23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We took an equity line with Citizens Bank in XX/XX/XXXX. After a long process to get this loan we signed the paperwork in XX/XX/XXXX. We then used the money to pay contractors to do some work on our home. The paperwork was " lost '', " not processed '' or just misplaced and we had to duplicate some of this paperwork for months after the loan was originated. The payment set up was incomplete which caused headaches and late charges which after a full year the bank realized their errors and reversed all those charges and cleaned the record. In XX/XX/XXXX I refinanced my home and closed the equity line. Unbeknownst to me or my wife was that Citizens slipped a line in the documents to charge {$350.00} for early termination of the equity line if closed within three years. I only found this out when I received a statement showing my payment for this. They also charge us a yearly fee to have the loan " open '' which they did not prorate for the 4 months we did not use. I have complained to the bank about this and that the loan officer did not explain this fee prior to the loan being opened. On top of this they also charged {$25.00} for a fax to get the payoff of the loan. The bank refuses to give a refund for the {$350.00} or the prorated fee for the loan or the {$25.00} for a fax fee that was also never discussed. {$25.00} for a fax seems a bit high, almost a price gouging situation. The bank personnel have told me they would return calls several times within 24-48 hours and yet have taken over a week on each occasion to reply to me with the same negative response about reimbursing my fees that were paid. Had I been aware of the {$350.00} fee I could have kept the loan " open '' until XXXX with a minimum balance to avoid these fees. I was not given that opportunity to do this and the statement I received was weeks after the payment was made making this situation even that much more frustrating.
Product: Debt collection

I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards
Product: Money transfer, virtual currency, or money service

I went to the gas station to get gas using my Chime card and it was declined twice and I was told that I had to wait 24 hours to get my refund. I waited 24 hours and the next day I XXXX searched Chime customer service number and called. I believed that I was speaking to a representative. The person had me download an app called XXXX and that he needed to visually see the transaction, And to confirm that there was nothing wrong with my account. I was sitting right beside my wife and he requested {$250.00}. From her for " URGENT NEED ''. He shifted numbers and a few dollars around for a few minutes saying that there didn't appear to be anything wrong with the account, then took everything out of my savings account switched it to my checking account and was gone. I've filed 5 complaints regarding this matter with Chime and they see nothing wrong however they can see that I never made that transaction or authorized any such transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This collection company XXXX XXXX XXXX is fraudulently & illegally reporting on my credit report. 

I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges.

- Please provide me a copy of my signature with the provider of service to release my medical information to you.

-Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPPAA complaint will be a violation of the FDCPA because you will be deceiving me after my written request. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from the collection agent.

PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I made 8 disputes regarding negative items on my credit report. These items are in correct.
Product: Credit card

Ex wife stole my identity in XXXX and XXXX opening multiple accounts from utilities and store credit cards and general credit cards she used one of my two addresses she had access to and I found out some last year and some year before everything has been filed with FTC and identity theft.GOV who then sent me here capital one is a completely selfish company who can see I have freezes on my credit see I have multiple alerts see I have other cases deleted but refuse to do the right thing!
Product: Student loan

I am enrolled in the public service loan forgiveness and have been since XXXX. My loans have changed hands a number of times and are now being handled by XXXX. I should be due to have them pay off my loans by the end of XXXX. I received a payment count of 64 in XXXX, which then suddenly dropped to 59 and 61 payments. This makes no sense as the payment is applied to all loans, not just one. This does not reflect the length of time that I have been making payments on my loans. I called and asked for a reason and they could not give a reason. I asked for a recount on XX/XX/XXXX and was told it would take 60 days. Today is XX/XX/XXXX. I called them today and was told that it is still being counted and they have no idea when it will be complete.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX  Balance : {$390000.00}.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX 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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXXXXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried for the longest to shake off these accusations off credit cards, and usage of my credit. Ive went through XXXX XXXX  the last 3 years surviving trying to take care of my small XXXX children on my own and having XXXX XXXX. I want to clear up this mouth XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Universal recovery cooperation. 

I called them to pay my husbands death off and the guy I talked to was so rude I hung up on him. I told him I would pay him Thursday when I get paid and I wanted him to work with me but he refused. He wanted me to give him my account infoation and I refused I told him I would call back Thursday and pay it, he was yelling at me and saying I was like everyone else a talker I told him no I 'm not like that I told g I contacted you to pay that bill and not the other way around and it is not even my bill so he should be happy that I contacted him to pay it. He said if I would n't be like everyone else I should not have a problem to give him bank account information. I told him no you wait he would n't stop yelling at me so I hung up in him. Later XXXX I called with some questions and he was an XXXX again. My husband finally took the phone and asked for his supervisor she got in the phone with my husband and was rude as well. And they keep saying if y dot pay it today it will be more in XXXX days what dosent make since
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

Equifax has a hold on my credit report and wont allow creditors to pull my credit. I have sent over my drivers license and social security card and utility bill to verify that my name is NOT XXXX XXXX and asking that this be changed to XXXX XXXX immediately. Please verify this information and allow creditors to pull my credit score. Please publish my credit report. You can not block my credit report for unknown reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. As pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) I never gave these companies written instructions to pull my report. The companies reached out to me and let me know that they have sent letters to equifax informing the to remove these unauthorized inquiries. Equifax know that according to XXXX XXXX XXXX ( b ) when they do their investigations they must prepare XXXX  accurate report to the XXXX. Remove these XXXX inquiries immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021. This is a defamation of my character and I want {$1000.00} for each inquiry because equifax came back stating that they spoke to these companies and it was verified when that was not true. Equifax was not being fair and equitable and I suffered from. I will be taking this to federal court if I don't get my remedy
Product: Credit reporting or other personal consumer reports

Consumer report shows I was late on payment this account was paid off XXXX XXXX that I have never been late for months XX/XX/year> and XX/XX/year> I have attached screenshot of the paid check
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Product: Debt collection

I changed electricity providers, I notified XXXX XXXX and they charged me for the same time period I paid XXXX. I sent my bill from XXXX to them and they turned it over to a collection company.