23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

ACCOUNT NAME. ACCOUNT NUMBER XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX 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 XXXXXXXX 15 USC 1681 section 602a states : I have the right to privacy. 

15 USC 1681 section 604a section 2 states : a consumer reporting agency can not furnish an account without my written instruction 15 USC 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 anteater the report by seven years. 

15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the believe that the information is inaccurate. 

15 USC 6802 ( b ) ( 1 ) states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX XXXX, Equifax and XXXX about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and Equifax and XXXX refuse to investigate the accuracy of the account. XXXX sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would an investigation done of the following collection account, I do not owe this and would like for it to be removed from my credit report. 

Portfolio Recovery A Opened XX/XX/2014 + {$1200.00} Original creditor : XXXX XXXX
Product: Checking or savings account

On XX/XX/23 a bank account was opened at Bank of America in my name and approved with out my consent. Also an account with Merril Lynch was also opened. XXXX XXXX notified me immediately and set up a three way call with Bank of America and Merril Lynch to have this resolved.
Product: Checking or savings account

XXXXReceived an e-mail from them with a " Quarterly Statement '' ( no transactions ) for an account which I have NOT been associated with for 7 months now, the business was also actually closed XX/XX/23 ( it was my sister 's XXXX but I was also authorized signer on the account ) ... I no longer have access to the account and I requested they close the account. However, as with many biz 's, they rely exclusively on automation, can't call/contact a human... they just fire back some more auto-generated XXXX! I want this account closed, or at the very least, my name/e-mail REMOVED from their records so I don't continue getting unneeded info ( where's their security concerns for privacy here... I've TOLD them to close it, but they still retaining MY e-mail address as the backup ... I believe the biz e-mail addy has been closed ). If they need further verification, they can contact XXXX XXXX owner ... If they'd care to call or e-mail me ( NOT General SPAM, but specific to this matter ), I'll be happy to provide them her name, XXXX, phone, etc.
Product: Debt collection

Cornerstone Credit repeatedly calls my phone regarding a debt they claim I owe. I paid the debt through the original creditor ( XXXX XXXX ) and have given that information to Cornerstone Credit, which they acknowledge the debt was in fact paid and they can not report anything to my credit report because it was paid through original creditor. They repeatedly call me to pay their fee, which the bill should never have been sent to them in the first place. I have requested they stop calling, which they do, then start calling again 2 months later.
Product: Mortgage

Me and my ex husband were referred to loan depot to speak with XXXX XXXX a Lender to help with refinance of a martial property which through our divorce i was award half the equity. My ex couldn't get financed and XXXX helped with the process and she was advise he is very old school and doesn't like change and can't afford for his payments to go up a lot. my ex gave XXXX authorization to sign and my email to all the process on his behalf. to sign any documents. my email is on file and phone number, XXXX has been speaking and getting information and documents from me since the beginning of this loan. once it got to the end and I asked XXXX about the payment, she advise me over {$900.00}. I advise her I would speak with my ex and get back with her and also asked about the interest being lower. Well me and my ex spoke and decided the payments were going to be to much and place him in a hardship. I sent a email advising her we both agreed to cancel the loan since we have not signed. This is where things got nasty and harassing and want ever call pulled. XXXX who was a manager from processor stated she was sorry to hear that and she would have XXXX cash cancel the loan. I get a email from XXXX XXXX stating to me she can not cancel the loan because I'm not on the loan. me and my ex attempted to call her and left message she hung up and he left a message stating he wanted to cancel the loan. XXXX was advise to not contact us several times. she sent a email stating he was being pushed to say that. first off. I was awarded half the equity it would benefit me to go though with the refinance no cancel. then she advised me that he needs to call her manager no one was willing to cancel. so we called and speak with XXXX XXXX and he was rude and stated he couldn't speak with me and begin to advise to hold and I can call my ex on the other line. then when I got my ex on the line mr XXXX kept over talking and saying he could get the loan down another {$100.00} which at this point was point less and then asked if he could call him back. my ex call Mr .XXXX  and was told he was in contempt, so basically harassing and threating just because we said no. I need all the phone conversations pulled. XXXX XXXX has lied and gave misinformed information and her emailed pulled. as I advised to stop contacting me. she also called me on her personal phone.
Product: Checking or savings account

Both my joint savings and my personal savings were blocked on XX/XX/XXXX. It is now, at the time of writing, XX/XX/XXXX and my funds are still unavailable. The bank refuses to unblock my account and refuses to help me with my funds. I have bills to pay and all they tell me is that, The information is private and we cant do anything else. 

I have bills to pay and I cant if my money is not being released.
Product: Debt collection

I previous filed a complaint against this company for trying to collect a debt I do not owe. This company has ruined my credit and continue to try and collect a debt that I do not owe. I received a letter from the collection agency stating they reported I owe a debt for {$580.00} to the credit bureaus. I continue to dispute this debt over and over. With this company false allegations and continuous aggressiveness to pursue a debt they know I do not owe has caused a tremendous amount of stressed to my family and should be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is 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 ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX  ( 3 ) XXXX XXXX XXXX, XXXX - XXXX XXXX
Product: Debt collection

Receivables Performance Management , LLC is trying to collect for a debt that they are saying is owed. I spoke on the phone with them for XXXX minutes on XX/XX/2021. The companies representative said they can not provide me proof of verification of the debt I owe. I informed the representative that is a violation of fair debt collection act. The end result the representative never provided me with any validation of the debt.
Product: Credit card

It has come to my attention that these companies have accounts open under my name and I have no knowledge of this. I do not recall applying for credit with these companies ever before. Either I have been mistaken for someone else or this credit was the result of some fraud. These companies were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these accounts were all opened this year of XXXX Credit lines opened from {$200.00} to {$500.00}
Product: Mortgage

Wells Fargo bank is XXXX around with my mortage and they are forcing insurance on me for my home i live which i dont need, I already have insurance through state farm insurance and i am not happy with wells fargo at all trying to focr insurance on me and trying to charge me for it. Not happy at all. Something needs to be done and wells fargo needs to be dealt with. Its like the government trying to XXXX XXXX on me which i dont need. Please fix this XXXX.
Product: Credit reporting

Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, Experian.
Product: Debt collection

Got a letter to try to collect {$25.00}. Paid the {$25.00} already.
Product: Debt collection

At this moment, I do not recall how I became aware of this debt, but I phoned the collections company on XX/XX/XXXX to request a detailed invoice for the debt. When I last talked with XXXX, no one could tell me what the debt was for. 
In short, the phones I received from XXXX did not work, I returned them. At that time I paid a restock fee and asked to pay any outstanding bill. The rep double checked and said I did not have one.  Later that month I received a bill for {$1700.00}. I called the store, but in the end, no one could tell me what the bill was for and subsequently stopped answering my calls. The next month the bill was {$1500.00}. I eventually got through to an online customer service rep and they realized some of the phones were not returned. After updating my account, there was still a balance for {$240.00}. He could not tell me why. 
When this balance showed up in collections, I phoned the company on XX/XX/2020. I informed them that XXXX could not tell me what the bill was for and before I would pay, I wanted an itemized invoice. Given all the inaccurate info they previously reported, I wanted to be sure this is a valid debt. The rep seemed to agree. On XX/XX/2020 I received an alert on my credit report for this balance. I had not heard back from the collections company. I phoned them to inquire about what happened since our last conversation. XXXX XXXX informed me that she was aware of my previous request and that I previously told them that I did not believe it was a valid debt. She said they did not receive a reply from XXXX and stated that she made another request while I was on the phone. I asked is it appropriate to report a debt you can not verify, she said yes. She stated the call was recorded so this can be confirmed. My primary concern is because I have no accounts in collection on my report and have a business transaction this could kill. She said give her a week and I do not have a week. 
I am asking they honor their first conversation with me. Prove the debt is valid and give me an opportunity to pay. I truly do not understand how and why I am expected to pay a sum of money just because a company said so and how a collection company can report a negative account without proof of the debt. 
Finally, this was a XXXX XXXX acct, I feel it was not set up properly if it is reported on my personal account. I was told my personal info was only needed for the credit check. this is more of a XXXX issue.
Product: Debt collection

Someone opened an XXXX XXXX XXXX account in my name and the account is fraudulent. The account has a balance of {$250.00}. It was opened on XX/XX/2016. I have filed a police report and have spoken with XXXX XXXX XXXX regarding this matter. Hopefully it will be resolved soon.
Product: Mortgage

I was turned down for a refi by XXXX XXXX a XXXX XXXX XXXX at XXXX XXXX XXXX in the beginning of XXXX. XXXX told me to keep my credit score up and in XXXX of XXXX I should call her and she would get the refi starting again because that is when I would have 12 months of on time payments. I called XXXX on XX/XX/XXXX and reminded her she said I would be good in XXXX to get the refi with cash out. I send in all the paperwork she requested and had a home inspection on XXXX XXXX. I spent money and time fixing all the items and issue the inspector brought up. I called XXXX onXX/XX/XXXXecause I hadnt heard from her and to find out when the inspector will do the final inspection since I did all the work. She called and left a message while I was at work on XXXX XXXX, I called her back within 15 minutes, but didnt hear from her again until XXXX XXXX when she told me I was denied. 
I always had to call and email multiple times to get a response from XXXX. I was very upset that the refi wasnt going through since XXXX had told me not to pay my XXXX mortgage. She said she told me to hold it, but she didnt ever tell me that nor act like the loan wouldnt get approved. I called her boss, XXXX XXXX on XXXX XXXX and asked him to pull the call to verify that XXXX told me not to make the payment and never mentioned to hold it in case. He said they didnt record their calls, but I told him every time I called, the message said the calls were recorded, and he said we dont record all of them. I asked him to be compensated {$1100.00} so I could make my mortgage payment on time. He said he would put the request in, but the most that has ever been paid was {$100.00}. 
On XXXX XXXX, XXXX boss XXXX called me and apologized and offered my {$100.00} for the problems with my refi and said he would be taking XXXX bonus for her error on this refi. I asked for him to give it to me then since she cost me to be late on my current mortgage. He said I cant do that. 
On XXXX XXXX I received an email from XXXX XXXX saying she would have the check cut for me on Friday XXXX XXXX. She later called and said no one was there to cut the check and I didnt end up getting it until XXXX XXXX. I think that paying me {$100.00} and taking XXXX future bonus shows wrong doing on their part and should be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/2020, XXXX  XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020
Product: Debt collection

In early XXXX my XXXX XXXX XXXX was repossessed by VW credit and then sold at an auction. Under Georgia repossession laws VW credit was to have sent me a loan deficiency letter stating what the balance of my loan was. Being that I never received anything I assumed that the debt was satisfied. Now I am in the process of buying a house I see that VW credit is still attempting to collect the loan. Under GA law I should have been notified by VW credit in writing by certified mail any balances owed within 30 days being that they havent done that they can not legally collect on the debt. At the time of having that loan I was going through a very rough financial time and was unable to pay all of my bills my auto loan included. Now I am getting back on my feet and repairing my credit to get a house for my XXXX XXXX and our upcoming family and this debt is preventing that from happening. I am asking that VW credit do the right thing under the law and remove this debt. Please do not punish my growing family for my financial mistakes. 


XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX  I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Product: Student loan

I received a notification on XX/XX/XXXX and its available on my Studentaid dashboard that my remaining 2 loans are eligible for forgiveness. Originally had 4 loans.Only 2 were forgiven in XXXX. My XXXX qualifying payment was in XX/XX/XXXX. The notification states, I should hear from my loan servicer XXXX within 30 days of the letter. I have called both XXXX and Studentaid several times since then. Each time with conflicting replies. XXXX states they have no idea and do not see that notification on their end. They point the finger at Student Aid. Student Aid on their part state they already submitted all the necessary details to XXXX. I filed a complaint on XX/XX/XXXX on the Student Aid website. Even though it references it takes 15 days for review, I have not received any response. 
This back and forth is like a slap to the face. I see many comments on XXXX of folks with the same issue. Bounced back and forth.