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

This company XXXX XXXX is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my XXXX XXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This  company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse I will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were XXXX and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts XXXX XXXX, XXXX/XXXX, XXXX XXXXt, XXXX, XXXX XXXX  accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and Equifax .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. Equifax refuses to delete it. The collection company has sent me a draft that they sent to Equifax to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later. Creditor also says Equifax has never contacted about my account even though I have disputed it 7 times with Equifax
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 : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

The compliant is my mortgage payments are not being sent to the three credit bureaus. Shellpoint mortgage states since I was in a bankruptcy, and discharged they would not report my payments. The representative stated, I would have get a home modification loan or refinance the loan. This makes no since, my loan will be paid off in XX/XX/XXXX. Shellpoint purchased this loan from XXXX. XXXX immediately started reporting payments after I was discharged in XX/XX/XXXX. I tried talking to XXXX to make sure Shellpoint received all the required documents. XXXX representative XXXX stated that all the rules should be the same for mortgages ; but I would have look into it. XXXX stated that all documents were sent to Shellpoint. I had the same problem with XXXX when my Chapter XXXX Bankruptcy was discharge and I had to notify CFPB to rectify the problem. Shellpoint loan number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX 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
Product: Checking or savings account

I opened an account with Bank of America XXXX  months ago. I deposited my check bc they told me that XXXX  days prior to me coming in they changed their rules not to mention I called before hand and they told me it was okay. Hmmmm now is this bc Im women once I came in???? Not sure! I then spoke either XXXX XXXX the market manager he assured me theres no issues my funds will be available tomorrow I said okay I trusted him seemingly that he was a market manager for this branch I then logged into n XXXX  account no funds their holding it for XXXX  days this makes no sense Im a single mom I work hard for my money XXXX  mortgage is due theres no way I should have been treated or mislead this way Im in a tight spot I need XXXX  money I will be closing my account I will also be filing a complaint with someone higher up were not in times to be takjj in h advantage if n Ive had enough!
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report regarding my XXXXXXXX XXXX As of XX/XX/year>, my XXXXXXXX XXXX was paid in full, and I have a XXXX balance with no outstanding debt.
Product: Credit reporting or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Under FCRA and 15 U

SC Dear TransUnion, This letter serves as an official and legally binding demand for the immediate deletion of inaccurate, unverifiable, and/or incomplete information reported on my credit file. Your agencys failure to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I demand immediate compliance, as the presence of the disputed items is causing significant harm to my credit profile and financial standing. Items in Dispute : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX Legal Basis for My Dispute 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of the above-mentioned inaccurate items demonstrates a clear violation of this statutory requirement.

2. 15 U.S.C. 1681i : Upon receiving a dispute, agencies must conduct a reasonable and timely reinvestigation to verify the accuracy of the information. If the data can not be verified, it must be deleted within 30 days.

3. 15 U.S.C. 1681c : Prohibits the inclusion of outdated information, such as accounts beyond the permissible reporting period. If these items fall into this category, they must be deleted immediately.

4. 15 U.S.C. 1681s-2 ( b ) : Obligates data furnishers to promptly correct or delete inaccurate, incomplete, or unverifiable information once notified of a dispute.

5. 15 U.S.C. 1692e ( FDCPA ) : Prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Any inaccurate reporting tied to debt collection activities is a direct violation of this law.

My Demands 1. Immediate Removal : Delete the inaccurate, incomplete, or unverifiable items listed above from my credit report.

2. Verification Details : Provide the name, address, and contact information of the entities that verified the disputed items, along with any documentation used during verification.

3. Updated Report : Provide me with a corrected and updated copy of my credit report.

4. Cease and Desist : Stop reporting the disputed items to third parties during the reinvestigation process, as required by law.

Notice of Legal Action Failure to address this matter within the 30-day timeframe prescribed by law will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Pursuing legal remedies for damages incurred due to your agencys noncompliance, including but not limited to violations of the FCRA, FDCPA, and U.S. Code Title 15.

I expect full compliance with these demands and a written confirmation of the resolution of this matter. You are hereby on notice that I will aggressively protect my rights under the law. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multipla overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions
Product: Debt collection

I am currently in collections with XXXX XXXX Hospital for a bill that I already over-paid. The hospital owes me the sum of {$65.00}. 

In XX/XX/2017, I went to XXXX XXXX Hospital for an XXXX on my XXXX. A few weeks later I received a bill for the amount of {$440.00}. I promptly paid this bill and have a receipt for the transaction. 

A few weeks later I received two additional bills for the services, one from XXXX XXXX in the amount of {$45.00}, and the bill from XXXX XXXX Hospital for  {$370.00}. This is the bill they want me to pay. I paid the XXXX XXXX bill as this was a third party service associated with the services that I received at the hospital. 

To resolve the issue with XXXX XXXX Hospital, I called their billing department many times over several months but they were not able to find my previous payment. After months of trying to get them to resolve the issue, they sent my information to a collections company which is now requesting that I make the additional payment.
Product: Credit card

cant get to cs they tx u automated said his name is XXXX he a csr, nothing when u tx bk your concern. never got anything on doing it on line, this nonsense on fees to mail statements needs to come to and end, they make enough on lates fees, XXXX  mailing is not XXXX
Product: Student loan

I have been paying on time, faithfully on my Navient Student Loans for several years. I noticed that recently my balance doesn't seem to be decreasing as it should be. After researching my loans, it appears that 5 ( of 12 ) of my loans have been charged an interest rate over 9 % starting with my XX/XX/2017 payment. These loans are listed at 6.55 %. 

One additional loan doesn't even make sense when looking at the history. At one point they charged a payment of {$200.00} in a single month for interest on a {$4000.00} loan. 

3 loans have been paid off for at least a year, meaning 6 of my 9 active loans contain likely errors.
Product: Vehicle loan or lease

I purchased a new vehicle from XXXX XXXX in XXXX Louisiana in XX/XX/2019. I put XXXX down payment. I was so happy to get my wife a reliable vehicle that I overlooked a lot of details. I have struggled to make payments and have almost turned it back in several times. In hind sight I made bad decision. I saw an article about Santander and after reading, I got my contract from the car and was surprised to read a lot of the allegations Santander settled their complaints ... were done to me. I felt used/tricked/manipulated/stupid. Mostly not informed. I am still stunned to find I have a XXXX car payment for 5 yrs at 18 % interest. My signature is there but again uninformed and stupid. I can not ever remember filling out a credit application only that they ( the salesman ) was looking for me a finance company. I signed for roadside assistance, I already had with XXXX XXXX XXXX The total price I pay is XXXX I feel stupid and taken advantage of. I was given rebate of XXXX which is invisible with the high interest rate. I unknowingly signed for gap insurance, I got that with my car insurance. I purchased a appearance protection warranty like a fool. XXXX XXXX for etching XXXX I wouldn't knowingly buy that. Wheel/tire insurance for XXXX I would not knowingly buy that. There has to be a way to stop customers from being taken advantage of. I wrote santander a letter asking for some form of relief ... I received no response. I called the attorney general of louisiana and I submitted a complaint on their website. I also have a purchased warranty in addition to the new car warranty. XXXX dollars.
Product: Mortgage

Truist is in willful violation of U.S. Code, Title 12, Chapter 49, 4902 ( Homeowners Protection Act of XXXX ). The company had bought loans from SunTrust Bank and are refusing to remove Private Mortgage Insurance ( PMI ) from a mortgage loan originating XX/XX/XXXX. 

According to law, the PMI can lawfully be removed after the principal amount of the loan is less than 80 % of the value of the home. 

A letter was sent XXXX XXXX, XXXX, to remove PMI from the loan but Truist then sent a reply letter dated XXXX XXXX, XXXX, denying the removal of PMI, stating that they bought the loan with the understanding that it was federally backed. 

Whether the loan was bought out by another company or not has no bearing, as the law pertains to the origin of loan, or initial amortization schedule ( see U.S. Code 4901 for definition of cancellation date ). 

A response was made XXXX XXXX, XXXX, notifying Truist that they are in violation of the law and they had 30 days to comply, per law, which they still have not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00} and XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

My Coinbase account was hacked around XXXX, and I have a case # XXXX. 
I was getting some respounce but nothing anymore, I can sent all the emails I sent them. 
and they sent me. I found out about the hack on XXXX, I put a lock on the account and no transactions were going to be allowed and they put a holt on the account for 24-48 hours because of suspicious activity, I got someone on the phone and they said the account will be put on hold, But all transactions went through now I have XXXX in account .... This is one of the emails I sent Case # XXXX I would like my account back like it was before I was hacked on your site. I had {$4000.00} cash and some coin about {$200.00} in Dogecoin before XXXX what is going on over there someone needs to contact me. 
I would like to send all the emails so that you can see the email trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.
Product: Debt collection

This notice is to inform you that PORTFOLIO RECOV ASSOC has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/2021, PORTFOLIO RECOV ASSOC has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX & XXXX  XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX Balance {$4500.00} XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX 2021 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXXXXXX Inquiry : XXXX XXXX, 2021 ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX WY XXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original CreditoXXXX Name : XXXXXXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2021 XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is in reference to complaint # I appreciate the response to my complaint. This is the first time I have received any reports. PLEASE THOROUGHLY REVIEW THE FILES YOU SENT ME AGAIN ... THE REPORT IS FOR A XXXX XXXX AND THE RENTAL AGREEMENT SHOWS A XXXX XXXX. I have not rented an XXXX from that location nor do the dates match. I returned the car on the XXXX and the damage report is from the XXXX.