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

XXXX XXXX  did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are VIOLATION of my HIPPA rights. Experian did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding 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. Additionally, I am allowed under the HIPAA law ( Health Insurance Probability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. Experian NEVER Validated the Debt and HIPPA Authorization.
Product: Debt collection

On XX/XX/XXXX I then sent copies of XXXX legal affidavits, the XXXX County Deeds Office letter response, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. The Account/Debt was established without my knowledge. 
As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 

COMPLAINTS XXXX On XX/XX/XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, XXXX stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account DEBT RECOVERY SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County, XXXX to XXXX, XXXX and XXXX stating the following : To the Following : 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 ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with DEBT RECOVERY SOLUTIONS, ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). 

On XX/XX/XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing DEBT RECOVERY SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that DEBT RECOVERY SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Product: Mortgage

i requested a loan modification in XXXX 2013. I was put on a 3 month trial, made all 3 payments on time and was told it would be approved. Then in XX/XX/XXXX, I was told that Ocwen did not receive approval from the Bankruptcy court for this modification so it was denied. I have paperwork showing it was approved. Ocwen then modified the terms of my loan without my knowledge, back-dated the paperwork to XX/XX/XXXX and sent me my contract that they signed in XX/XX/XXXX but I signed in XX/XX/XXXX. My escrow was at a negative balance at this point, they never applied any of my payments to my escrow for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and are telling me I am delinquent. I have a letter from the Office of the Consumer Ombudsman stating they were going to advance my mortgage two contractual payments to bring me current and i am now being told it will only be one month and I am still delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested via letter with necessary information a copy of my drivers liscence 2 pieces of mail correspondence to lift the freeze. On XX/XX/2019, I received a letter from ; Equifax information services LLCXXXX XXXX XXXX Georgia XXXX. Stating the following : dear XXXX XXXX XXXX this letter confirms Equifax processed your request and permanently removed the security freeze on your Equifax credit report. If you have any questions, you may contact us toll free at ( XXXX ) XXXX XXXX thank you for the opportunity to assist you Equifax information services LLC. The proble : they did not remove it they claim they can not find me in the system. I have called the above number 3 times I was put on hold numerous times to be told their system is updating. I also went on line twice and called another number many times and never was able to speak to anyone or given the option to unfreeze In light of their lack of service accuracy and their power over peoples lives they need government regulation I feel they are purposely infringement on my rights as a citizen I have lost the ability to rent an apartment over their incompetence I should have the right to sue them. I need representation to force them to correct their error my government should provide me with representation. Can u help me. XXXX XXXX XXXX XXXX Ky ( XXXX ) XXXX XXXX XXXX. Please respond ASAP Im going thru a divorce and need to rent an apartment. Thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX DEAR ( CREDIT REPORTING AGENCY ), Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

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 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Mortgage

We applied home equity of credit in XX/XX/XXXX through XXXX XXXX when we settled for a new home. We have been paying until the home market occurred and had difficulty. XXXX offered a settlement lowering balance to XXXX and have been paying XXXX monthly for yrs. Next thing we know we heard the company went bankrupt and did not hear anything on the home equity balance. suddenly this last month got a letter from Allied Servicing regarding the account and telling us for a foreclosure. I paid XXXX and the balance is XXXX SINCE XX/XX/XXXX. I don't know why they waited for nine yrs. I have attached copy of my account and statement.
Product: Credit reporting or other personal consumer reports

As a frequent shopper at tj maxx I was used to them asking me to apply for their credit card but I always declined. Then one day they started peer pressuring me into signing up I got to putting in my social security when I expressed I was uncomfortable with opening a new line of credit and wanted to back out. Not long after I got a notification that they did a hard inquiry on my account for a card application I never thought couldve went through so I want that taken off I never gave my consent to send that through.
Product: Debt collection

That is not reporting on all three credit bills, XXXX XXXX, Trans Union all negative items needs to be removed
Product: Checking or savings account

On XX/XX/XXXXXXXX  I requested a refund of {$14.00} left over in my account after an inmate had been discharged. This account was managed by " TouchPay Holdings LLC d/b/a XXXX XXXX XXXX which is the owner and manager of the website, which is owned by Global Tel Link d/b/a XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
After several calls beginning consecutively XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and, today, XX/XX/XXXX, I was told each time a refund check would be sent out. 
It appears that the reps were simply lying to get me off the phone, as the rep I spoke to just today informed me there are no records of any prior phone calls, and that a check was mailed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account : 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 Has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of an account on my credit report that was fraudulently created as a result of a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this unauthorized information permanently removed from my report. 
Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit. 
I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions. 
I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below. 
I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX. 
Thank you Inquiry details Ally Finan I Inquiry from XX/XX/2017 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2017 Misc. 
XXXX XXXX Inquiry from XX/XX/2017 Automotive  XXXX XXXX Inquiry from XX/XX/2017 Finance  XXXX XXXX Inquiry from XX/XX/2017 Finance XXXX XXXX Inquiry from XX/XX/2017 Finance XXXXXXXX XXXX  Inquiry from XX/XX/2017 Finance Your system only allowed me to report three companies so I reported Ally, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX  Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor.

to the secure trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS IS NNOT A DUPLICATE. I reported fraud and identity theft since XXXX to all credit reporting agencies and XX/XX/XXXX I pulled my credit reports dude to being denied a loan. 
Lendmark financial Services # XXXX XXXX Georgia placed a hard inquiry of ON XXXX XXXX XXXX On my XX/XX/XXXX XXXX credit report I recently received it is entered and recorded a hard inquiry that impacted my credit. Lendmark Financial Services # XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Date of XXXX XXXX XXXX As per attached screenshots. 
I did not authorize Lendmark financial to do this inquiry.

I want Lendmark financial to disclose this hard inquiry of XXXX XXXX XXXX when I did not apply for credit or a loan on this date. 
I request production of the documents relating to this hard inquiry asap to me only XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX the names of the person address and phone numbers ip address and email and etc used to obtain credit in my names. 
Thank you Lendmark financial Hopefully you can find my hard inquiry info this time as your company has denied this to to you could not identify the info
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. Experian, XXXX and XXXX fail to remove the account due to it being inaccurate and closed.
Product: Debt collection

I was shocked when I received my credit report and found late payments that I did not recognize. I'm not sure how this happened, I believe that my account got merged with someone else 's account. I have made my payments on time. 

Alleged Missed Payments 1. XXXX XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks. 

2. XXXX XXXX/XXXX  : I was never 120 days late. Please update to Paid as agreed, never late. 

3. XXXX/XXXX : I was never 30 days late. Please update to Paid as agreed, never late. 

4. XXXX/XXXX  : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX Subject : Dispute of Fraudulent Account # XXXX Dear Jefferson Capital Systems XXXX XXXX am writing to formally dispute the validity of an account that has been reported under my name. The account states that I owe {$1200.00}, which I believe to be fraudulent. I request an immediate investigation into this matter and verification of the account details. 

To assist you in resolving this issue, I have outlined my concerns below : I did not open or authorize the account associated with the alleged debt. I suspect that this account may have been opened fraudulently without my knowledge or consent. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written proof of the debt, including : - Documentation showing the original creditor. 
- XXXX of any transactions related to this account. 
- Evidence that I authorized the creation of this account or the transactions. 

Until this matter is resolved, I request that no negative information regarding this account be reported to any credit reporting agency. If the account has already been reported, I demand its immediate removal. 

I have enclosed a copy of my identity verification documents, including [ e.g., a copy of my drivers license and a utility bill ], to assist with your investigation. Please confirm receipt of this dispute letter and provide written acknowledgment. 

If this debt is proven to be invalid, I expect that Jefferson Capital Systems will promptly correct the record and notify any credit bureaus to which the fraudulent account may have been reported. 

I request that all future communication regarding this matter be conducted in writing and sent to my address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to resolving this issue amicably and in compliance with federal law. 

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

I've asked Experian repeatedly to please update my current address and delete old ones and they have refused. I have sent them a letter, spoken to their representatives and the problem is still not fixed. They shamelessly refuse to update my information. Both XXXX and XXXX have updated my current address and deleted all old ones.
Product: Debt collection

XX/XX/XXXX, The Apartment I was renting was hit by a tornado/major wind and hail storm, my insurance deemed the unit uninhabitable, paid for an alternative living arrangement and the costs of moving. 

Per Texas law, I had the right to move out due to the property not being viable any longer to live in. ( Texas Property Code 92.054 ) and the guidelines for property moving out of the premises with proper notification was followed. 

The property manager at the time when I noted the state laws, along with my intent to move out due to the uninhabitability of the unit and no means of fire egress, safety hazards due to glass imbedded in windows etc. stated " the owner is not allowing anyone to move due to the storm damage '' and in a way it was a " your out of luck ''. The apartment complex did not move forward or show effort to make life and safety repairs in a timely manner. 

Per Texas law I was entitled to a refund of my remainder in pre-paid rents plus a refund of deposits. My rent was approximately {$1200.00} per month and I moved out on XX/XX/XXXX. This would have entitled me to a refund of at approximately {$600.00} + Deposits. 

On move out, XXXX XXXX charged me a fee to break the lease, and also a carpet replacement fee. 

The carpet after speaking to a public insurance adjuster, was full of glass, and would have been replaced due to the storm damage and the inability of removing fine glass shards due to the amount of glass in the carpet. Carpet also was coming up at seams prior to the storm, and I had requested several times for the apartment complex to replace the trim because it was a trip hazard, wear due to improper installation. This alone would have pre-determined a carpet replacement by the landlord on my move out. 

I hand delivered and sent proper certified mail to the property landlord at XXXX XXXX XXXX  managed by XXXX XXXX. That was completed on XX/XX/XXXX. I also send additional letters responding to claims of debt owed, documentation about the damages. Which have been ignored. 

XXXX XXXX has handed the account over to RentDebt for collection activity. While this does not impact my living scenario due to current homeownership- this is impacting my credit - by an unlawful balancing of accounts in XXXX XXXX favor.