23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

++++++++++++++ ATTENSION XXXX XXXX++++++++++++++ XX/XX/2022 around XXXX I called a phone number In response to a letter I received by mail from Gustel Law Firm PC a third party debt collector who is a debt collector. Under the fair debt collection practices act, this is a violation of my consumer rights because pursuant to 15 USC 1692C I never gave prior consent to Gustel Law Firm PC to communicate with me by mail or phone. This is the first of many violations. Gustel Law Firm PC are attempting to collect a Alleged debt from three XXXX XXXX accounts, I have done business with XXXX XXXX in the past but I have never done any business with Gustel Law Firm PC, I do not have a contract with Gustel Law Firm PC. Security based swapping has taken place here between two corporations, this is very illegal pursuant to 15 USC 77q. I was connected to phone Rep XXXX XXXX. I asked if this was a actual law firm? She said yes I asked if attorneys were at this law firm she said yes XXXX also said an attorney has been assigned to my profile by the name of XXXX XXXX. This is violation pursuant 15 USC 1692e No attorney is to be present while attempting to collect a debt. This is very misleading. I asked XXXX if I was to write a check or make a payment who do I write the check to? XXXX says to write it to her law firm. Write the check to her law firm but shes collecting the alleged debt for XXXX XXXX? This is very misleading again. XXXX grew frustrated with my questions and begin to use Profane language towards me by raising her voice, this is a violation pursuant 15 USC 1692 d. I asked for the name of the CEO and XXXX first says the name XXXX then suddenly stops and says she doesnt have to give me that information and refers me to search for his name myself by googling the company. XXXX then says she can transfer me over to speak with an attorney. XXXX places me on hold then comes back and gives me the name of the CEO by the name of XXXX XXXX. This phone call was very stressful and left me depressed ever since. Just knowing Gustel Law Firm PC is trying to swindle money from me. Congress talks about how swindlers can be fined up to {>= $1,000,000} and can be imprisoned up 30 years pursuant to 18 USC 1341
Product: Debt collection

On XXXX XXXX I received a notification from XXXX XXXX that there was a change to my credit report. Upon checking my report I noticed an account sent to collections by Midwest Recovery Systems for a payday loan from XXXX XXXX XXXX that I did not take out. I received no notifications from either XXXX XXXX XXXX or Midwest Recovery Systems informing me of the debt nor were there any attempts to collect. My first time hearing of this account was when I received the notification from XXXX XXXX and signed in to check my reports. Furthermore, a XXXX search for XXXX XXXX XXXX turned up no results leading me to wonder if such a company even exists. I did not contact Midwest Recovery Systems as I fear this is a scam. Instead I disputed the items with XXXX and XXXX and filed complaints with the XXXX, the Missouri Attorney General 's Office ( Midwest Recovery Systems allegedly is located in Missouri ), and the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, with my personal information used fraudulently, leading to items appearing on my report that I was never associated with. I followed Experian 's guidance and filed a report with the FTC, which I submitted, yet these fraudulent items still remain on my report.
Product: Debt collection

Hospital was given my insurance, never billed them. 

Sold debt to NAR and I have given them the policy info and they refuse to bill it or remove it from my reports.
Product: Checking or savings account

I am a current Credit Karma money spend & savings account customer. I have been having issues assessing my funds for going on a month now. I never received a physical debit card in the mail so I have been trying to link my virtual card to XXXX XXXX & I get an error message stating it's an error on their end, so I then linked & verified my external business checking account to my CK account so I could at least access my funds that way I was able to transfer money a few times that way & my account keeps getting Frozen then unfrozen. I'm also a small business owner who was affected by Covid, I recently applied & was approved for the EIDL advance loan for {$10000.00} had it deposited into my CK account thinking it would be safe & my loan was reversed reason stating " Account Frozen '' I called CK support bcuz I was so upset not understanding why my account had a freeze on it randomly and how I lost out on {$10000.00} because of it they then want to unfreeze my account after my grant loan money was already returned this is absurd! It will randomly be unfrozen I'll try to transfer money it will say it went through and then it will return it saying that my account 's Frozen again I call them every day sometimes five times a day trying to get resolution and nothing they all say the same thing that they're going to submit a ticket and it's going to be given to the specialized team and they will mark it priority and I will hear back from somebody I never hear back from anybody! I got through to one representative about 4 or 5 days ago she told me that she was able to get a hold of someone in the specialized team they were requesting documents front and back of my ID & a current bank statement from my linked external bank account I provided those documents my account was unfrozen only to be frozen a few hours later AGAIN! NOW I HAVE BEEN CALLING FOR DAYS AND I'M NOT GETTING ANY RESOLUTION NO ONE 'S GETTING BACK TO ME NO ONE WILL GIVE ME ANY ANSWERS AND I CAN'T ACCESS MY FUNDS I AM LITERALLY BROKE RIGHT NOW I DON'T HAVE {$1.00} TO MY NAME I HAVE KIDS THAT ARE HUNGRY I HAVE BILLS THAT I HAVE TO PAY NO GAS IN MY CAR EVERY TIME I CALL THESE PEOPLE I DO NOT GET AN ANSWER AND I'M NOT GETTING ANY RESOLUTION MY ACCOUNT IS STILL FROZEN NOW THIS IS THE LONGEST THAT IT'S GONE BEING FROZEN IT'S BEEN GETTING FROZEN IF THAT MAKES SENSE BUT NOW IT'S NOT BEING UNFROZEN AT ALL I'M NOT GETTING ANY RESPONSE FROM ANYBODY! MY LIVELIHOOD 'S BEING AFFECTED MY BUSINESS HAS BEEN AFFECTED AND MY CHILDREN ARE BEING AFFECTED BY THEM NOT RESOLVING THIS ISSUE AND ALLOWING ME TO ACCESS MY FUNDS! WITH THIS COMPLAINT I'M ATTACHING SCREENSHOTS OF MY CORRESPONDENCE WITH CREDIT KARMA TO PROVE I'M NOT GETTING ANY HELP AND THIS ISN'T EVEN HALF OF THEM THERE'S TOO MANY TO SEND! I just need my money!! PLEASE HELP
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX | DOB :  XX/XX/XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, PA. XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Name of Account Account Number Provide Physical Verification 1. 
XXXX XXXX XXXX XXXX Unverified Account 2. 
SOUTHWEST CREDIT SYSTEMS XXXX**** Unverified Account 3. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Unverified Account 4. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX
Product: Debt collection

I had a XXXX XXXX account after a rude customer service person denied a issue I had. He then closed my account as fraud. Then XXXX would not allow me to appeal the decision. They then cowards my account to Tenagala and hunt who said they are a law firm but XXXX says they are debt collector. I cant tell if they are really lawyer they will not clarify. I emailed them back in XXXX XXXXthey never return my call or inquiries. Now they are suing me. I have tried to settle it but the account is charged off on my credit. XXXX never showed proff my account was fraud. This lawyer or debt collect will not prove if they are really a lawyer or debt collector.
Product: Checking or savings account

I switched my social security direct deposit and on the social security website it stated my social security check would be deposited into my chime account on XX/XX/2023. I still have not received it and contacted chime multiple times regarding this matter and they tell me over ans over again they do not see a social security check being deposited into my account as of yet. I have been getting social security payments for many years now with other banks and have never had this issue with any other bank. This bank also claim to Pay you up to 7 days early and Its going on 7 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/XXXX I found out that I am a victim of Identity Theft and an Unsecured Personal Loan in the amount of {$35000.00} was issued by Barclay Bank to the thief. I also found out that a XXXX Checking Account was opened in my name and the {$35000.00} went into this account. I've made numerous calls to the Barclay Bank Security Division at XXXX -- XXXX and spoke with the investigator XXXX. XXXX told me time and time again that she can not share information with me in regards to where the account was opened. I confirmed with her all of my information is correct on the loan application ( SS #, DOB, Address, Drivers Lic. # ) except the email address and my place of employment. The email address used on the application is not my email address, but XXXX said she could not tell me the email address. She did tell me the employer used is " XXXX XXXX '' which is wrong. I've tried to get other information but I've been told time and time again that it is under investigation, I have to be patient. I spoke with XXXX on Friday XX/XX/XXXX and she became very irrate with me, told me not to call her anymore, she is not giving me any more information, that the XXXX Police Detective assigned to my case # XXXX needs to get a subpoena for the information. The XXXX Detective spoke with XXXX, told her that this is a fraud investigation and she needs to give the information and again she told him to obtain court documents. Today Saturday XX/XX/XXXX, I received a letter from XXXX in regards to me putting a Fraud alert on my SS # and this letter clearly states the following : " You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing '' NOT once did any of the Security Fraud Associates that I or my wife spoke with or XXXX at Barclay Bank explain to me if I submitted a request in writing for this information they would give it to me. Clearly, under the law ( which I have been saying over and over again ) I am entitled to all the information used to obtain this XXXX $ FRAUDULENT PERSONAL LOAN that was approved ONLINE with no face to face interaction. 

I will be calling XXXX at Barclay Bank on Monday XX/XX/XXXX to get an address, email address, fax # so I can submit a request in writing for all the information regarding this Fraudulent Personal Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my XXXX ( and other reports ) it had decreased XXXX points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/year>
Product: Credit card

I currently have a Walmart store credit card issued by Synchrony Bank and have had ongoing problems with this bank. Most recently, on XXXX/XXXX/2016, Synchrony Bank reported that I am $ XXXX days past due. On XXXX/XXXX/2016, I made a payment of {$35.00} and on XXXX/XXXX/2016, a payment of {$75.00} was made. For the past two months, I have made {$110.00} in payments. I have yet to make a payment for XXXX, but it is forthcoming. 

I do not understand how Synchrony Bank determined that I have missed more than 3 payments. This would had to have occurred in order for me to become {$110.00} past due. In addition, I am consistently being charged interest for going over my credit limit. However, after each payment is made, there is no available credit. Therefore, I can not possibly go over my limit. It is the excessive fees which are causing me to go over my limit. 

There is no basis for this bank reporting erroneous information concerning my payments other than that Synchrony Bank is an unscrupulous lending institution with very unethical business practices. Prior to this reporting, I had no missed payments on my credit reports and as a result of Synchrony Bank 's error, my credit score dropped XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing issue. I have brought my credit scores up from the mid XXXX 's to currently XXXX in the past 3 years. This is according to all XXXX XXXX ( XXXX, XXXX and Experian ). However, according to Experian, my XXXX  scores are as listed ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  shows only a score of XXXX and nothing related to XXXX ; XXXX shows XXXX and XXXX XXXX and Experian shows only XXXX  from what I can see. 
My issue is why they haven't questioned the " fico '' score for transunion still being XXXX when that was the low score 3 years ago but the other XXXX have since increased. I have contacted all XXXX places asking this. XXXX is doesn't show the XXXX anywhere. Why does Experian show it and why can't they just address it? 

Even XXXX XXXX reflects the XXXX that XXXX and XXXX show. They all have the same information.
Product: Mortgage

I tried to do a modification on my home the title were in my names, my mother pass it was just me on the title also I was marry but his name was not on title.When I spoke with Wells Fargo about a modification they told me my husband had to be on and then we made to much money will not understand that home was my and my mother we purchased the home in 1974 they turn my down and wouldnt help me get a modification so with that I lose my home, and to top it off wells sold the property for a little of nothing but I had to pay the state of CA {$100.00} back then not get XXXX XXXX  for the house.I hope someone can help me Thanks!!
Product: Credit reporting or other personal consumer reports

Abuse of trust by a former co-worker in the AUTO loan processing process and where they took advantage of my good will and carried out a whole process of strong consultations with different banks and financiers that are exactly detailed before the credit bureau with my credentials for the procedure requested by XXXX XXXX ( XXXX XXXX XXXX XXXX  - Please see attached data / Digital backup ). 



XXXX XXXX asked me to help her accompany her to your office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. First, her credit and credentials were verified. ( SSN ) And the salesman who assisted her at the time told her that her credit score is very low and she needed to present a co-signer and contribute a higher premium to the AUTO. Having this information, XXXX, she suggested to the seller that they try my personal credentials ( SSN ) to see how my credit history would come to light and see if the monthly payment could be lowered. So USD XXXX was a very heavy amount for their finances. She was looking for an average fee between approximately USD XXXX. 



I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best economic decision for her budget. The seller and she assured me that only 1 inquiry would be made to the credit bureau and that it would be soft. And it wouldn't affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and NEVER request to be the main debtor and/or co-debtor in this process.
Product: Debt collection

I have sent certified letters to this company and A level 3 HIPPA violation was committed. A level 3 violation is '' an offense committed with the intent to sell, transfer, or use individual identifiable health information for commercial advantage, gain or maliciaous harm. Violation of Subtitle D of XXXX Sec XXXX ( Application of Security provisions and Penalties to Business Associated of Covered Entities ) Violation of Subtitle D of ARRA Sec 13407 ( 1 ) Breach of Security ) Liable for penalties under the HITECH ACT PQD SERVICE INC is in clear violation of HIPPA ( ... no permissible business purpose in divulging protected health info to anyone on an account ) should you ever inquire, report, update or verify anything on the credit report. I am asking you to have PDQ SERVICES INC located at XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX delete all information they have furnished to any and all credit bureaus and destroy any information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection. I will file a formal complaint to the XXXX XXXX  and the XXXX XXXX against your company
Product: Debt collection

I received a phone call last week on XX/XX/XXXX and was told the company was Global Client Solutions. When I called the number back ( XXXX ), I got a recording that sounded as if they were saying " XXXX '' or something of that nature. I left my name and number, but never got a call back. Today, XXXX XXXX, I received a call from XXXX and XXXX. I called XXXX and was told the company they were representing was Global Solutions. They said I had borrowed money from XXXX XXXX, which I have never heard of and when I asked for more information they said I made a loan XX/XX/2011 and that they would settle it for {$430.00}. I told them I had never heard of XXXX XXXX and unless they could send me written confirmation that I had borrowed money and never paid it back, then I was not paying anybody anything. At this point, they hung up and would n't give me any more information. If I owe somebody some money they should be willing to give me documentation of the debt and prove I have never repaid it. The number that called me today ( XXXX ) called my home and also left a message with a friend of mine and I have no idea how they got that number. The number XXXX also left a message with my sister and I have no idea how they got her number. How can I make these people stop calling me if they wo n't give me any information to prove I owe money?