23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022, I contacted Halsted Financial Services regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX {$4200.00}
Product: Credit reporting

I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.
Product: Debt collection

I was order to take XXXX work from my doctor. I went to the medical building which I have been there before and their no issues, but this time was different. I wasn't aware or told that they switch coverage and no longer accepted my insurance. I feel as though they knew and proceeded to move forward with the process. If I had any knowledge of this I would have walked out the office and went somewhere else. It wasn't a need to take the XXXX work it was regular blood work being done. This was a mistake on their part.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed that there are 8 fraudulent accounts and 10 inquiries showing on my report. I have filed a police report and filed a claim with the FTC I will attach both to this complaint. I have been a victim of identity theft I recently checked my credit report because I was preparing to purchase a vehicle and I noticed that there are 8 fraudulent accounts and 10 inquiries showing on my credit report. I will list the name of the bank that the account was opened with ; the account number # ; what date the account was opened ; and the amount $ that the account is in debt. XXXX XXXX XXXX # XXXX opened XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$37000.00} ; XXXX XXXX XXXX XXXX  opened XXXX XXXX {$300.00} ; XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$720.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$590.00}. There are also 10 inquiries showing on my report I will list the name of the bank that the inquiry was made and the date that it occurred. XXXX XXXX on XX/XX/XXXX ; Consumer XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of who opened these accounts and I did not give anybody permission to use my information
Product: Mortgage

Hello, I called Flagstar Bank on XX/XX/2021 to start my Loss Mitigation process to start making my monthly payments after loss of income due to COVID19. I spoke with an agent in the loss mitigation department that provided the information to do two options : a streamline or loss mitigation application. I informed the agent that I wanted to do a LOSS MITIGATION APPLICATION and did not want to do a streamline modification. The agent said she would mail the loss mitigation application or I could print it off online and complete and mail/fax back. I followed up after two weeks to see if my application was received. The agent stated to call back in 2 weeks because it would take 4 weeks. This went on for all XXXX, XXXX, XXXX, XXXX, XXXX to XX/XX/2021!!!!!! Every month I called and was told by EACH agent in the loss mitigation team that underwriting was still reviewing my loss mitigation application!! Until I spoke to an agent that informed me on XX/XX/2021, that the loss mitigation application was closed in XXXX and the agent submitted a streamline modification in error and then submitted approval to extend my forbearance for three additional months. Which is NOT what I had asked for since XX/XX/XXXX. This agent advised that she would send me the application to complete the loss mitigation application and submit it back. I completed the forms and submitted and called every four days to confirm all documents were submitted correctly and was told I needed to send a letter stating that I do not have additional earned income and tax statements. Today ( XXXX ), I called because I received an XXXX overnight letter from Flagstar stating THEY APPROVED ME FOR ANOTHER STREAMLINE MODIFICATION!!!!!!!! I called and spoke with three agents and a supervisor and was told this was done in error and that he would close the streamline modification and would reopen the loss mitigation application again. That it would take up to four business days. They continued to give me the run around and prevent me from making repayments and making my account current. The streamline amount is MORE than my current monthly payment!!!! Which is why I need the loss mitigation application to be submitted. I need help to resolve this. A call back ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I only applied for one credit application and now I have XXXX hard inquiries that I have no knowledge of or have my consent
Product: Debt collection

I requested a debt validation in writing (609) letter to the collection Agency Financial Data Systems on XX/XX/XXXX Financial data systems failed to validate the date and they sent me 17 pages of my medical records/files dating back to XXXX. They have violated my civil rights under (HIPPA). I did not give Financial Data Systems permission to have copies of my private medical records nor did I sign a release form or a HIPPA release form to be released to a third party. The medical records that they sent me have private information on them as well as my health insurance information. I do not have a signed contract with Financial Data Systems and they have also sent these private medical records to all three credit bureaus. XXXX, XXXX and XXXX. The debt is $XXXX  dollars.
Product: Mortgage

I have a FHA loan with quicken loans and have met the equity for it to fall off but I am still being charged for it. Quicken loans is saying that I am required to pay this until I meet the obligation in of the amortization date stated regardless of what my loan to value is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Product: Debt collection

The following company : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.
Product: Checking or savings account

I reported fraud to my account and someone else went and contacted the back and stated that they didn't report it than it was going back and fort so the bank decided to close the cases and than turned around and stated that they are going to take the money out the account that they owe me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus overdraft fees that I had to pay
Product: Credit reporting or other personal consumer reports

This correspondence serves to notify you that I have recently obtained a copy of my credit report published by your organization. Upon careful examination, Im writing to dispute the inaccurate information that appears in my XXXX consumer report. 

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, pertains to Section 623, which addresses the responsibilities of consumer reporting agencies regarding the maintenance of accuracy. The Act stipulates that these agencies are required to report solely accurate information. Therefore, I kindly request to remove the inaccuracies from my report. 

On XX/XX/XXXX, I examined my credit report and discovered that Discover is reporting incorrect information. Firstly, an old address, XXXX XXXX XXXX XXXX Oh XXXX, has reappeared, although I have never resided at that location. Additionally, the status of my Discover card tradeline is incorrect. For account number XXXX, it indicates that the account was written off in XX/XX/XXXX, which is inaccurate ; it should have been written off in XXXX. Furthermore, the second Discover card, # XXXX, has an erroneous reporting status for the period from XX/XX/XXXX to XX/XX/XXXX. I request the removal of this inaccurate information from my record. 

Furthermore, regarding my Discover Credit card ending in XXXX, I have noticed that XXXX, XXXX, and XXXX reported a charge-off in XXXX, whereas it actually occurred in XXXX. Federal regulations require the accurate reporting of information, and this company has not complied. I request the removal of this inaccurate data from my credit report. 

On XX/XX/XXXX, I dispatched a certified letter to all credit bureaus, requesting the removal of accurate data associated with Discover. I informed them that they have 30 days to verify and eliminate this erroneous information.
Product: Consumer Loan

I took a loan out from Big Picture loans out of pure desperation. When I accepted the loan it appeared that I would have to pay back the {$600.00} I originally borrowed and a {$210.00} finance charge. Today I thought I was making my last payment but when I logged on it said I had another payment due on XX/XX/XXXX. I called the company and basically all they could tell me is that I have yet to pay on my principal balance and I am paying the {$210.00} finance fee over and over. They offered to settle with me which leads me to believe that they do this often and I am not the only one that finds the terms of this loan misleading. The first settlement offer was for the {$810.00} which is the original {$600.00} I borrowed plus the {$210.00} fiance fee, I said no that does n't work and they offered to lower it to {$600.00} and I again said I could not do that and they offered to settle for {$360.00}. After digging around on the confusing and misleading website, I found that they are charging me 967.591 % interest. That means I owe them around {$3600.00}! The XXXX different women I talked to when I called never mentioned anything about interest, only kept referencing the {$210.00} finance fee that I have paid 4 times now. I understand that they have a business to run and families to feed but this is ridiculous. They are taking advantage of people desperate to make ends meet. I feel totally bamboozled and ripped off. I have no idea what I am going to do.
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR ONLINES COLLECTIONS, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR ONLINE COLLECTIONS, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bank XXXX XXXX Account # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Equifax drop my credit score by 74 points. I believed that there was an error. 
I called to ask for a credit report and they said that I had one this year and I would have to pay for it. 

I told them that the questions they were asking did not pertain to me. My first name is XXXX, they asked about XXXX. The had me having a car load in XXXX and a mortgatge in XXXX. I have neither. The equifx representative laughed at me when I told him I believed the law stated If incorrect info was on my report I could ask for another. He laughed and hung up.
Product: Credit reporting or other personal consumer reports

I have a account on my credit report of Equifax that has been sold to another company and the original company is reporting erroneous and false information on my report with balance and acting like the still are the owner if this account... ( see Attachment ) Due the fact this account has been sold to another company together with all of my private personal and federal information the first or original company can not report this account anymore on my credit report and can't have any sum of balance showing over there due the fact the second company that this account has been sold already paid for this balance .... 

I'm talking about XXXX XXXX
Product: Bank account or service

I recently opened a bank account at Regions Bank in XXXX Georgia. My initial deposit was a cashier 's check from XXXX XXXX. I was told there would be a hold on funds being a new account ; understandable. However, the banking associate told me after processing that because it was a cashiers 's check, funds would be available the next day on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX to deposit another check from XXXX XXXX. At that time I was told I had a negative balance and a hold was placed on the check. That afternoon I received XXXX pieces of correspondence from Regions. XXXX was my check card, the other a letter informing me " We have confidential information that indicates that the check may not be paid. '' XXXX direct ) the funds were to be made available on XX/XX/XXXX. All money that was originally released to me was held by the bank to cover the opening deposit in my savings account, which I was required to open. I have not seen one penny of my money and it has been nine days since I opened the account. When I tried to withdraw money today, they told me my account was frozen. No date was given when funds would be available. The manager told me that the fraud monitoring dept. placed the hold and being Saturday nothing could be done. I would like to have access to my money and close my account and take my business elsewhere. My card was also cancelled because I have not used it yet and my pin number was changed without my knowledge.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received notice back in XXXX  that my mortgage was being released from bankruptcy and that I needed to prepare to start making payments. I was not receiving any notices from the mortgage company because they had my file geared for electronic mail and I never authorized it. I have never filed bankruptcy, so I requested copies of all payments, deed and my primary note. I have been given the run around from Select Portfolio Servicing ( SPS ) for the past 6 months. I have applied for mortgage assistance but have been denied. 

I receive at least 3-4 pieces of correspondence from SPS every day and each of the mail pieces have different dates and very confusing information. This appears to be a tactic being used by this company to confuse the consumer or to make me give up the fight for my home. I have been in my home for 20 years and have requested an audit on the numbers because I purchased my home for XXXX and today I owe XXXX. There is obviously something shady going on with this company. In my research I learned that there are cases similar to mine all over the country and SPS is in litigation with over XXXX consumers regarding similar issues. I am seeking protection under the laws that protect consumers like me. 

My home has been placed up for foreclosure in the next 30 days. I am seeking HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Checking or savings account

I opened some disputes on my chime checking account against XXXX thats a betting casino site someone stoked my information and took the money from my chime account to make illegals bet. Betting is illegal and I have contacted XXXX and they said they refunded all the money to you guys ( chime bank ) but the money is still not in my account. Im being owe over XXXX usd dollars in my account. If this is not fixed before Thursday I will proceed to small claim courts. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?