23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The reason for this complaint is because I received a letter in the mail from Glasser and Glasser P.L.C informing me this communication is from a debt collector and is an attempt to collect a debt. As I go through the paperwork I realize that XXXX XXXX an employee of XXXX XXXX XXXX XXXX sent my medical records to a 3rd party without my consent. Which is a violation of my rights according to the code of Virginia 32.1-127.1.03 - 3. No person to whom health records are disclosed shall redisclose or otherwise reveal the health records of an individual, beyond the purpose for which such disclosure was made, without first obtaining the individual 's specific authorization to such redisclosure. 

In the packet I received from Glasser & Glasser P.L.C a consent & financial responsibilty form was provided but not a form of authorization from XXXX XXXX. I am unaware of how many people have access to my non public personal information without my permission. I attached the documents where the law firm sent me my health record with all the information showing, then the second copy blacks out the procedure codes and the final copy blacks out everything. 

This incident made me deeply concerned about the protection of my personal health information and how it was carelessly mishandled. According to HIPPA regulations, healthcare providers are required to safeguard patients protected health information and ensure confidentiality. The incident I experienced indicates a failure to uphold these regulations, exposing my private medical information to unauthorized individuals per 42 USC 1320d-2 As a result of this breach, I have experienced stress and anxiety from my medical records being shared with people I did not grant access to, lost of trust in the entity who holds my medical records. Financial loss due to having to attend court and not able to make up time because Im a single parent and I can only leave my child at daycare for so many hours. This breach of trust has shaken my confidence in XXXX ability to protect patients privacy & confidentiality.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I also asked for the original contract to be provided and it was not.
Product: Mortgage

I was inquiring about a home equity line or loan to be in second position and was clear about not wanting to touch my first mortgage. I asked directly and specifically if they do straight 2nd mortgage liens and helocs and he said yes. I told him about another lender only offering a new first and I didn't want that. He said, that is what we specialize in, second mortgages. So based on that information, we applied. After our credit was pulled, he said he would be reviewing all of our application information and get back to us. We scheduled an appointment and when we spoke, he said we can offer you an $ XXXX home equity line of credit but we need to refinance your first mortgage and it will be at a higher rate and payment than what you currently have. How is this not a bait and switch? I told him so and asked that they remove the inquiry and he said he obviously misunderstood what I was looking for ( the conversation was supposed to be on a recorded line ). I want the inquiries that are now reducing my credit score to be removed as I was lied to and convinced to apply based on false product offers.
Product: Mortgage

I have requested a simple VOM ( verification of mortgage ) document be completed by my mortgage lender, Shellpoint Loan Servicing, but they do not respond which is causing my new mortgage company to delay submitting loan to underwriting. I have emailed, phone, sent written signed authorization requesting the form be completed and for them to speak with my new mortgage company officer about any questions but continue to refuse to do so. The delay is causing me loss of funds.
Product: Mortgage

XX/XX/XXXX : I contacted XXXX ( XXXX ) XXXX from CrossCountry Mortgage, LLC for XXXX loan to buy a rental property in XXXX XXXX, NJ. 
Got email from him same day which said following : " 20 % down dscr worst case 7.875 % rate no point 25 % down dscr worst case 7.5 % rate no points If the market lowers from now until closing we will give it to you We will also refinance you for free when market improves '' Later that day his staff XXXX sent ( attached ) loan estimate for above quote. 
XXXX : I reviewed loan estimate & informed XXXX & XXXX through email : -The rent from the property would be $ XXXX so the XXXX ratio would be less than XXXX, hope that is okay. 
-The property would be in XXXX XXXX 
XXXX : i signed NJ_Lock-In_Agreement ( attached ). 
XXXX : I noticed loan estimate was modified & prepayment penalty ( PPP ) was added i.e " As high as {$20000.00} if you pay off the loan during the first 3 Years ''. It seems to camouflage it they even changed the title company. i informed XXXX XXXX staff ) we should not have prepayment penalty as it was discussed earlier there will be no XXXX or points on this loan. 
XXXX : Another staff member XXXX XXXX emails me with following options : We would be able to remove the XXXX but it comes with adjustments to the points/rate. If we removed the XXXX, wed be able to offer : Keep rate at 7.5 % with XXXX discount points Increase rate to 7.99 % with XXXX discount points. 
When I pointed out we had rate lock agreement with no XXXX or points he sends me a screenshot of document, which I had never seen before, showing XXXX on loan. I replied back with screenshot of NJ Rate Lock agreement that I had signed & which had no XXXX or points. He then on XX/XX/XXXX replies back with another excuse We were using {$4500.00} as the estimated market rentWe can do a 1 year pre-payment penalty and a rate of 8.375 % with XXXX point as opposed to the 3 year XXXX On XXXX I texted XXXX saying I had provided all the info in the beginning of the process & nothing has changed from my end. But changing loan terms just XXXX week before closing is a scam, First you add XXXX yrs prepayment penalty, then you blame XXXX ratio & now you are saying appraisal is a problem. I also told him I would have no option but to start reporting this to all the agencies if we can not resolve this. I had already paid XXXX. 
Couple of hrs later XXXX emails me they are fixing it i.e We are working on getting this updated for you. Apologies for the inconvenience. Correct. Sent in for exception on secondary. Will let you know when they come back to us. 
XX/XX/XXXX morning I get Mortgage Commitment letter. ( attached ) XX/XX/XXXX : They are not telling us when we can close & XXXX is saying they are Working on exception to clear. This is after giving the same reason earlier & then providing commitment letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card due date is the XXXX of each month and closes on the XXXX ... .and XXXX  of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... XXXXEXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE MY ACCOUNT!!
Product: Student loan

On the month of XXXX, I applied for Income Driven Based Repayment Loan. They received the status however, they said I am on the standard loan program for now. The only way I could get back on income driven loan repayment is By paying the full amount which XXXX dollars. I paid that amount on XX/XX/2019. Now, someone changed the dates of the application that I applied for income driven based loan repayment. I called Three times regarding if I am going to be on income driven based and I needed to see letter if I am on it.. til this  day..nothing has changed.
Product: Debt collection

I have a credit report about atnt they're trying to collect funds from a phone that I once had I would like to use my rights of rescission 15 USC 1635 also they're in violation of the truth and lending as I put a Downpayment on this phone and they're trying to collect funds from me I would like to receive the property and collect the money using 15 USC 1635 they're also in violation of 15 USC 1662 as I put a down payment and money for installments
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I received an alert on all XXXX credit bureuas that my credit score decreased by XXXX points and that my balance increased from its correct balance {$75000.00} to {$100000.00} on XX/XX/year> then to {$100000.00} on XX/XX/year> when I never refinanced or did any loan modifications. See most recent loan statement that includes the correct balance of {$75000.00} but reporting incorrectly to the credit bureaus. This has caused damages my score dropped significantly XXXX points by this incorrect reporting.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the XXXX pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the XXXX pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

I have had a HELOC product for the past 10 years for a rental property. The loan was originated by XXXX XX/XX/XXXX. Over the course of the loan, the servicing has been performed by XXXX, XXXX and now SLS. I have paid the loan in a timely fashion for the past 10 years. I have made the payments on-time and have never missed a payment, nor had a delinquent payment over the course of the loan. The loan 's servicing was recently sold to SLS over the past 9 months. Unbeknownst to my husband and me, the loan matured XX/XX/XXXX. I was never notified of the pending maturity, nor received a pay-off statement in the mail. 
I contacted SLS XX/XX/XXXX to make my monthly payment, as I was unable to sign-in online. I was told from the servicing representative that the entire loan balance had matured. I stated to the representative that I had never received any communication from them. The servicing representative indicated that the documentation was forwarded to an address that I no longer maintained, and had not maintained for over 30 months. The previous servicing agent ( XXXX ) had the correct mailing information on file, as I previously received my bill on a monthly basis with no issue. I was told that when the servicing transferred that I should on my accord contact the servicer and provide them with a copy of my driver 's license and address. As this information was not communicated to us, how would we know? 
As I did further research, my credit report now reflects that I have been past due since XX/XX/XXXX. I am unclear as to why they are showing the XX/XX/XXXX payment as past due. As I previously indicated, I have NEVER had a past due payment on the loan for over a period of ten years. I am willing to pay the HELOC balance in full ( $ XXXX ) ; however, I would like the lender to correct the false, negative information that is being reported to the main XXXX credit bureaus. Additionally, both the lender ( XXXX ) and their vendor ( SLS ) need to ensure that correct information is maintained and properly integrated when servicing rights are transferred and/or sold. Proper due diligence regarding vendors may ensure that this process does not negatively impact the consumer. If we had been properly notified, as required, we would have had a better opportunity to make the necessary arrangements to complete the pay-off prior to maturity ; however, we never received any communication. 
I have asked the servicer for a copy of the pay-off statement, so I can forward them the funds. I am not in-receipt of the pay-off statement and am unclear where/how much funds that I need to forward. Daily I receive calls from their debt collectors demanding full payment. I ask them to check their servicing notes within the customer 's file. I have indicated than I am willing and able to pay, but I just need a pay-off statement. 
XXXX XXXX XXXX *********** XXXX XXXX XXXX ***********
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian regarding an HIPAA Violation I have not heard a response back since XXXX XXXX. They just didnt respond and as stated by FCRA they are required to respond to my request.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX  customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

I went to open bank account, account was open, I signed paperwork and when I was trying to cash a work check, 10 mins later account was closed
Product: Debt collection

I submitted a complaint with CFPB about Ability Recovery. Ability Recovery stated that they are only the 3rd party trying to collect. XXXX XXXX XXXX are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. XXXX had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now XXXX XXXX XXXX hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.
Product: Money transfer, virtual currency, or money service

On different situations I have been hacked by multiply people on CASH APP. I reached out to them twice with proven documentation that they did not help the situation. I reviewed no money back etc. also having problems collecting money that I deposit.
Product: Credit card

Approx date of action : XXXX XXXX XXXX After Bank of America took a long time to correct their error of withdrawing nearly XXXX from my checking account for a balance of approx XXXX on an XXXX credit limit the online payment feature is now suspended. I have contacted XXXX XXXX who in my emails is my contact person. I have contacted him both in 3x in phone calls and at least 3 times in responses to his original email. I have gotten no response and my online payment is still suspended. I can make purchases but can't pay online. I'm going on vacation in 13 days and need this particular XXXX XXXX XXXX XXXX as it is tied to my cruise for points accrual. This is the 2nd time I have had to file a consumer complaint about Bank of America 's XXXX XXXX XXXX XXXX.
Product: Student loan

To the lengthy respons  e from Works and Lentz, which failed to address as to why has it taken them almost two years to contact me regarding the debt again ; then having your collector tell me " its your debt, not mine '' ; as much as is my debt, you guys want to collect that money back for your client, right?
Also, why would your collector tell me is not their fault they might not have the correct contact information for me?
Works and Lentz job is to collect money back for the clients they represent and track them down if necessary.
Also, as the Works and Lentz represe  ntative said in their response when first spoken to me back on  XXXX   2015 , I mentioned this debt to be consolidated with the rest of my  XXXX  account if they knew that was not going to be the case why did they not mention anything?   I am still beyond upset at the   way this debt is being handled.
Its alarmning to know companies like Works and Lentz are still in business especially with the reputation they hold in their industry.
Product: Mortgage

We filed for chapter XXXX bankruptcy inXX/XX/XXXX.  Since that time the mortgage servicer stopped sending me monthly statements showing the dates my payments were received and how the amounts from each payment were distributed. I attempted many times via phone call, email and letter to resolve this. They stated that since we were in bankruptcy they were not allowed to send us any billing information, even if we requested it. They would also not contact me for any reason. If i called and asked for a return call they would not respond, when I asked for them to send me a document showing how my payments were posted they would not respond. My attorney and I both sent letters giving them authorization to call, mail or email me so they would be exempt from the bankruptcy rules and they refused. The court agreed to exempt my first mortgage from the bankruptcy so we had to reaffirm the loan at the beginning of the bankruptcy and we made the payments to the servicer ourselves, not through the trustee. With this information their representative told me that no one is able to exempt any creditor from a chapter XXXX bankruptcy and that it was my trustee that made the payments. It was not the trustee. Finally about one year ago they sent me documents showing how they had applied my mortgage payments over the preceeding couple years. It was a spreadsheet that any average consumer would not be able to interpret let alone an accountant. Since we filed for bankruptcy in XXXX they had referred our account to their " bankruptcy department ''. Whenever we would call we would have to wait to be transferred to their bankruptcy department which is not their regular customer service group. In every attempt to reach our account representative we would have to leave a message and would not receive a call back. They also restricted what we were allowed to do on their website such as not being allowed to make payments online or download statements that showed how they had applied my monthly payments. 
The last time i talked with the account representative he stated that in order for them to remove us from post bankruptcy status and restore everything to normal which includes sending complete monthly statements we would have to provide another reaffirmation. They have been informed that the court does not require other than the first letter at the beginning of the bankruptcy as my lawyer has indicated and yet they still tell me I and my lawyer are wrong.
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, nor do I have any connection with the mentioned creditors.
Product: Credit reporting or other personal consumer reports

The car was total loss in a car accident in XXXX of XXXX. I have tried to settle to no avail. On XX/XX/XXXX, I went to inquire about a vehicle for purchase. I was denied due to credit acceptance placing a repo on my credit report. States that they repo the totalled car 52 months ago. The credit report is showing open delinquent payments. FCRA states I have the right to fair credit reporting.
Product: Vehicle loan or lease

I hereby exercise my right to rescind the agreement under the provisions of the CFR 1026.23 AND Request for refund under Section 15 U.S Code 1605 Determination of finance Charge.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXXXX XXXX closed my account in the amount of {$740.00}. They sent this information to the credit bureaus as a " Charge Off ''. Since then, they have not sent me a 1099-C form for a Cancellation of Debt for this item. I am requesting this be taken care off and delete this item from my credit report ASAP.