23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The Health Insurance Portability and Accountability Act of 1996 governs health insurance ( HIPAA ). I retain the right to prevent any third party reporting agencies from accessing the privacy of my personal data and medical records. With this letter, I seek confirmation of the information provided, along with full documentation that includes all the data you allegedly obtained from the service provider of the debt. FCRA ( Fair Credit Reporting Act ) violations include continuing to disclose this medical debt without properly verifying it and giving me evidence that I have permission to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$140.00} XXXX XXXX  ( MEDICAL ) XXXX Balance {$140.00}
Product: Student loan

In 2005 I filed bankruptcy and my student loans were discharged. I never dealt with Navinent and I am constantly received numerous harassing telephone calls about fake loan forgiveness and other XXXX. I am called several times a day. The student loans were paid by the Colorado Student Bond Authority. There were no exceptions in the bankruptcy discharge regarding student loans. I am sick and tired of the harassment. The U.S. Department of Education said that they were above the judge. I am not sure of who the lender is anymore. I do not know if this was a private loan or a Stafford Loan. It was paid off by the Colorado Student Bond Authority.
Product: Mortgage

I am a XXXX  with XXXX XXXX XXXX in XXXX MI. I am writing a formal complaint against Members First Mortgage out of XXXX XXXX Michigan. They are by far the worst mortgage company I have ever worked with. They are sloppy in their paperwork, nobody returns phone calls, they say they send out documents when they never do. They don't have universal underwriting standards. In the 10+ loans I have closed with them, not one has closed on time, one took nearly 6 months for no good reason. 

I have had several clients switch lenders because of how poorly they were treated. I am working on a current loan where they are requesting receipts for repairs that were not part of the appraisal and were personal things asked for between the buyer and seller. The seller was able to fix many of the issues himself and therefore doesn't have receipts, this is the first time in my 5 years of working with them that they have ever requested receipts of repairs. They are extremely rude and have had issues with processors making my clients cry due to frustration with their questioning. Very accusatory and not customer oriented. They have already had to remove one processor XXXX XXXX due to her lack of customer service skills and the person they replaced her with is no better. 

I have attempted to contact XXXX XXXX who is the mortgage originator several times and have only received a return phone call once. They demonstrate gross negligence and general inconsistency with their practices. I am starting to feel like they are singling me out personally and giving me a hard time on purpose. I am feeling discriminated against and would like my complaint to be on file against them.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting in a inappropriate manner.Remove this accounts because the payment history is continued reporting after this accounts was closed. 


XXXX  XXXX. XXXX date close XX/XX/year> and XXXX XXXX XXXXXXXX date closed XX/XX/year>
Product: Credit card or prepaid card

I live in XXXX, one of the epicenters of coronavirus infection. Unable to go out I ordered groceries to be delivered. Chase Bank locked my card for fraud. ( This was XXXX XXXX  Saturday XX/XX/XXXX ) Obviously this was because the fraud detection algorithm has not been updated to reflect that peoples buying habits have vastly and suddenly changed worldwide. 
I called every customer service number they have. All have an identical message : due to coronavirus we have reduced our hours and are closed. I tried the website but the secure message center said it will take a week for a reply. I tried XXXX but all they do is tell you to call ; they will NOT say when the phones will open again. 
It is surreal, like the banking system is failing. Its not just me. There are desperate, hungry people messaging them on XXXX. Monday some lines opened but people spent up to 2 hours on hold then the calls dropped ( they posted screenshots of the phone call lengths ). 
Some people locked out of accounts are having rent checks bounce. It had taken me almost a week to get a grocery delivery slot & I was frantic. Thank god I have a good friend who stepped in and ordered my groceries on his own card this morning. 

I am unable to buy anything, and I can only use a card ( I have just one ) because were all inside. I contacted the XXXX XXXX and the XXXX XXXX and now am contacting you. I know a lot of terrible things are happening but we shouldnt also be unable to buy food.
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 confideniality under 15 USC 1681. 
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 or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 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: Debt collection

Receiving calls after XXXX XXXX  at night from companies I've never heard of, including Calvary Portfolio Services, XXXX XXXX XXXX from several phone numbers including XXXX and XXXX. Most recent late night call from the latter number was XX/XX/XXXX at XXXX XXXX They rarely leave a message and when they do they indicate they are trying to collect a debt. My mortgage foreclosure was handled several years ago through a HUD program ( SOHAZ ) and is closed ( according to not only the former mortgage holder but my credit reports ). It was closed in XXXX. No one should be calling me about it, and it is indicated as closed/resolved with all credit score agencies. If a debt collector is calling me for any other reason they have the wrong number, but regardless of whether they're dialing looking for the right person or not, they're repeatedly calling after XXXX. at night which is illegal. I have received calls as late as XXXX XXXX. but only recently began tracking the calls because they keep waking me up! Usually by the time I get to the phone out of a dead sleep they've hung up or it has gone to voice mail, but then they rarely leave a message. Calvary Portfolio called me this afternoon, and left me a message for the first time identifying only that they were a debt collector ( I had to figure out the company name myself through other complainants posting with the caller ID info on the internet ). The robo message said they were calling about a debt and left a callback number, but I don't owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Rent Debt Automated Collections contacted my niece who contacted me the week of XX/XX/2020. Apartment complex left a note on my door in XXXX of 2020 stating 60 day notice needed to be given if you intended to leave at the end of the lease XX/XX/2020. I spoke with someone in the leasing office who stated I only needed to submit a 30 day notice, I did however still e-mail ( in XXXX ). I turned in keys ( XXXX or XXXX ) and spoke with leasing office who stated no monies was owed. 5 month later I received a call from a debtor stating I owed XXXX XXXX in XXXX, MI {$850.00} but could not give an explanation of what the balance was for. I also never received any prior phone calls/e-mails/letters from XXXX XXXX  or the Collection Agency ( Rent Debt Automated Collections ) in regards to the debt. I made several attempts to reach out to XXXX XXXX but no one will call me back.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : NCB MANAGEMENT SERVICES, INC Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested my 1099C form to file for gross income because it has been written off as a charge off and have not received it. Also On my credit report it also reads charge off from XX/XX/XXXX - XX/XX/XXXX, repeatedly. They are reaging my account.
Product: Credit reporting or other personal consumer reports

I have several things on my credit report that are over XXXX years old n I believe should have been removed from my credit report by now whether paid or not
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX 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 XXXXXXXX, 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 or other personal consumer reports

These accounts are not mine, I do not want them on my credit report, I need them to delete them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has beem 10 years that GMFINACIAL reported the account closed and paid and charge off I disputed to remove to XXXX, XXXX, and XXXX. The credit reporting agencies has not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Receivables, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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

Equifax, has incorrect information and they are unwilling to help me resolve them. I have not been able to process a dispute with them that is effecting my score. They lowered my score by 44 points due to them stating that my utilization is 84 %, but I have no accounts open since all accounts are protected under chapter XXXX.I tried online and calling and still they refuse to help me get the information corrected. They are not very helpful in getting me the help I need. They refuse to let me speak to a manager. They have errors in the report as well as my profile on record. They want me to send my SSN by mail to them. I cant believe that this is the only way to resolve my issue by sending private information by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : today, despite several efforts including a telephone call to customer service, EQUIFAX would not give me access to my credit file ; I tried using the XXXX XXXX XXXX website and then using my 'personal account ' with EQUIFAX . Both times, EQUIFAX would not permit me access to my credit file. I also called EQUIFAX customer service, and after scrolling through minutes of pre-recorded messages, I finally was able to request a personal conversation with a representative, but that conversation never materialized, because the EQUIFAX system immediately scrolled to a 'survey ' and then hung up on me. Equifax needs to be put out of its misery before it gives millions of consumers costly legal and personal problems. Seriously, EQUIFAX can't keep personal information secure and then they cause problems and delays for consumers who want to see their credit files. This is unacceptable and if EQUIFAX can't do better, then they should be shut down before any more harm takes place. 

I also note that the so-called 'security questions ' ; asked by EQUIFAX ( online today )  were bizarre. I answered those questions accurately, but EQUIFAX indicated it could not 'identify ' me. This is pure XXXX, and no way to reach EQUIFAX to correct this situation. I now have two ( 2 ) different passwords for EQUIFAX, and apparently, what was acceptable last year ( XX/XX/XXXX ) is not working this year.

By the way, XXXX had no problem providing me access today through the XXXX
XXXX XXXX  website, and their security questions were actually related to my information, unlike EQUIFAX. Kindly assist me, and let others know about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, LA XXXX 7. i I do not make this inquiry. XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 8. i I do not make this inquiry. XXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. i I do not make this inquiry. XXXX Date of inquiry : XX/XX/XXXX Delete this account. 10. i I do not make this inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 12. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 15. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 16. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 17. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 18. The followng information is incorect XXXX Account Number : XXXX Delete this account. 19. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 20. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 23. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, LA XXXX
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items 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: Checking or savings account

2 months ago the bank ( HSBC ) shut my account down. They said that they were closing the banking relationship and that I would receive a letter of explanation and the money held in my account. I have called numerous times and set appointments with my account manager. He met with me on the phone and said that the money and letter should have already gone out. This was a mbout a month ago. Since that meeting via phone, I have set up 3 other phone appointments in which he didnt call me. I have left multiple voicemails which he hasnt returned and I also talked to customer service on several occasions with no resolution. Each time I am told that the letter/check are in processing but they cant give me a date as to when it will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX Bank XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Debt collection

am writing to dispute the inaccurate and unlawful reporting of a collection account on my credit report. This collection account, reported by Wells Fargo XXXXredit Service violates both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 for the following reasons : 1. Failure to Validate the Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, if a debt is disputed, the collector must cease collection efforts until proper validation is provided. I previously requested validation, but the agency failed to comply. 
XXXX. Inaccurate or Outdated Reporting Under the FCRA, 15 U.S.C. 1681c, negative information, including collections, must not be reported beyond the legally allowed timeframe. If this account is outdated, it must be removed.

3. Unauthorized Reporting or Misrepresentation If this collection account was inaccurately reported, duplicated, or lacks verifiable proof of legitimacy, it constitutes a violation of both the FDCPA and FCRA, and must be corrected or removed immediately. 

I have attached several supporting documents in my disputes letters, including correspondence and prior disputes, to support my claim. Under federal law, you are required to investigate and respond within 30 days. If this account can not be verified or has been reported unlawfully, it must be deleted from my credit report. 

Failure to address this matter led me to result in legal action or a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC )