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

An attorney filled for bankruptcy in XXXX, MA Federal court. The reason was that my soon to be ex husband was responsible for half the mortgage and was not paying his court order. We had a probate court date and found that he would not be able to pay his half. At this point the attorney advised I vacate the bankruptcy because we owed much less than what the house would be sold for We did exactly that vacated the bankruptcy It did not show up for years! I have disputed it so now states dismissed and {$0.00} balance but it shows up 3x on all credit agencies.have signed up for pacer and can not find ANY INFO!
Product: Debt collection

T o whom it may con cerns, I recently disputed this debit and I received copy of the bill which included my medical record. I have never authorized  XXXX   XXXX   XXXX  to provide my medical record to a third party. The document provided by the debt collection agenc y ( Medical Revenue Service ) is cle ar violation of t he HIPAA l aw.  XXXX   XXXX   XXXX  has provided my lab report which clearly stated the details regarding my lab. These are medical information that should have stayed between my doctor, myself and the hospital. I was traumatized during that period and my medical data and information should stayed with the doctor. I was never given the chance to review this bill because I have never received it and I certainly did not authorize  XXXX   XXXX   XXXX  to provide my financial and medical record to a third party. I do not know who Medical Revenue Service is and I absolutely do not owe them a single penny.   I am allowed under th  e Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the attac  hed account to be deleted immediately from all three credit bureau agencies.      XXXX   XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX Account Number : XXXX bal. {$4400.00}
Product: Student loan

NAVIENT - XX/XX/XXXX that automatically deferred my loan. I contacted them immediately and told them I did not ask nor did I want a deferment. The said ok we have fixed it. I then on XX/XX/XXXX I received a letter stating they have changed my terms and payments. They lowered my payments and extended out my loan for 3 more years!! 3 more years of interest!! I called them and they could not explain. I have 2 loans taken out on the same date and payments started on the same time together. they now say one loan completes on XXXX and the other XXXX. They used to be the same XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, GOLDMAN SACHS BANK U add a hard inquiriy on my credit report per 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Product: Student loan

Nelnet has had my loans for over XXXX years. They transferred from Great Lakes at least that long ago. The Nelnet website STILL fails to show my payment schedule. It says the payment schedule is not available because they loans " recently '' transferred from Nelnet. This is a lie. I called Nelnet and they told me they have NO timeline for when the payment schedules from Great Lakes borrowers will be available on the website. They NEED to get their website updated with our payment schedules. When I asked how I could get it, they told me they could mail me the payment schedule in 8 weeks. This is unacceptable. 

I want my CURRENT NELNET PAYMENT SCHEDULE. I submitted a prior complaint and they sent me my OLD Great Lakes schedule. This is NOT what I am asking for. I want my current loan payment schedule as I am entitled to by law. AND I want a commitment from Nelnet that they will update the website for Great Lakes borrowers and stop LYING on their website that they " recently '' received our loans.
Product: Credit card

On the evening of XXXX XXXX XXXX, I saw that I had received two emails from Chase Bank on XXXX XXXX XXXX about a credit card that had been opened in my name. I also received a number of alerts from various companies that monitor my credit and banking transactions about a hard inquiry to my credit for the credit card. I did not open a apply nor opened a new credit card. Since discovering the fraudulent activity ( i.e. opening a credit card w/o my knowledge or consent ), I contacted my credit monitoring agency ( XXXX XXXX XXXX ), Chase Bank , and my local law enforcement ( XXXX XXXX Police Dept . - Non-Emergency ). Luckly, nothing was charged to the credit card. I have placed a freeze on my credit with all 3-credit bureaus, had the credit card cancelled and marked as fraudulent, and my Chase Bank password changed. I did see a phone number on my Chase account, under " Profile & Settings '', that I did not recognize ; XXXX. That phone number has since been deleted from my Chase account. I can provide screenshots that I took before I made changes to my account and/or the emails I received from Chase Bank regarding the issuance of the credit card, if you wish. I am more than willing to discuss this further over the phone too.
Product: Credit card

I am requesting a refund of {$420.00} associated with account number XXXX XXXX XXXX XXXX. Citi thank you rewards card. The refund was issued from XXXX on XX/XX/XXXX and on XX/XX/XXXX after a follow up email, I was told this via email by the merchant ( XXXX ) - I understand that the customer has an issue with a refund they claim they have not received. 

The XXXX for this transaction XXXX. An ARN ( Acquirer Reference Number ) is proof that the money has left XXXX and that the bank/pay service ( Acquirer ) has received it and provided us with proof of the receipt ( Reference Number ). If they are not able to find the transactions with the number they ( card issuer ) provided, they need to escalate this internally. There is nothing Apple can do anymore The details of my request are as follows : Citi Bank Case Number : XXXX Refund Amount : {$420.00} ( XXXX also be amount XXXX ) Mailing Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX On XX/XX/XXXX, at XXXX AM EST, I spoke with a female Citi ThankYou Customer Service agent, who advised me to contact this email ( XXXX ) address to request my refund.This email address is invalid/inactive. 

The XXXX account is now inactive/closed, and a refund from XXXX was issued to this inactive card. Therefore, I am requesting that a refund check for the amount of {$420.00} be sent to my mailing address provided above or to my choice of banking institution.
Product: Credit card or prepaid card

i received a statement by mail for {$4100.00} amount owe and on the statement there are no itemized charges at all, i have called many many times asking to give me a statement of charges and they are refusing
Product: Debt collection

In XXXX I received letters from the IRS and the Ohio Department of Taxation for Lottery Drawing. I contacted them both and told the money was stolen out of my bank account. I went on to provide documentation to both agencies. Information about the taxes came by way of the IRS to the Ohio Department of Taxation. After the IRS completed it's investigation in XXXX and updated said file. I contacted the Ohio Department of Taxation and them was the filed closed. I was told no. I asked for verification of debt that the IRS believed I owed. The Ohio Department of Taxation are just now recognizing in XXXX that they got paid in XXXX15 U.S. Code 1692g any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Product: Debt collection

i am a XXXX veteran so i dont need this nonsense from the csi group. and i never trusted sneaky shady uneducated debt collectors who take advantage of those who less fortunate to make a living wage in the united states. my services were provided by medical doctors at the XXXX clinic so i wish they would have dealt with me directly and stayed in contact with me so i could have paid them off in monthly installments till paid in full. i do n't think we needed to involve low life debt collectors they do not have a XXXX from a XXXX so they are not educated enough to understand how working with the company directly is the BEST option ... 

XXXX and possibly other credit reporting bureaus are stating i owe {$380.00} to csi group and the XXXX clinic. but i called csi and a woman named XXXX verified my balance was XXXX from back in the year 2012. you must not really understand XXXX and be behind the curveball. XXXX says they report directly from XXXX so XXXX is stating this debt is not settled in full and had a balance of {$380.00}. so i want you to all re-contact all XXXX credit bureaus : XXXX, XXXX, and XXXX and XXXX check my balance shows paid in full year 2012 and has a XXXX balance again in year 2012. and i want this cleared up and done for all XXXX credit bureaus because if XXXX bureau picks this up then eventually the other bureaus will pick it up. per XXXX phone call with me, i also want a letter from you all stating this debt had been paid back in year 2012. i will also be contacting the consumer financial protection bureau ...
Product: Mortgage

In XXXX XXXX, Nationstar Mortgage bought my home loan from XXXX XXXX XXXX. Somehow during the transaction, a paperwork issue occurred between the banks. Nationstar added a " late fee '' to my loan account, even though I had nothing to do with the transaction. Nationstar has acknowledged to me that the fee was erroneous since XXXX XXXX, and yet they have never removed the late charge from my account. My account is in good standing as I have never been late with a payment on the account. Nationstar has not removed the erroneous late fee and it is now XXXX XXXX, so it is now 4 years later and the " late fee '' still appears on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to XXXX, XXXX, and Exquifax, respectfully. I have been sent a reply from Equifax, and XXXX stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from XXXX in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX, Equifax, and XXXX have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been since XX/XX/2019 requesting to have a mortgage through Specialized Loan Servicing be reported correctly on my credit bureau. I have disputed this several times with all parties and to date this is still reporting illegally and incorrectly. I'm in a back and forth between XXXX  and SLS about the final status of this mortgage. SLS responded to cfpb in writing that they have instructed all credit bureaus of a paid in full on this account and to date it has not reported that way on my credit bureau. I paid a mortgage off in full and its being reported " settlement '' or less than full balance. When I called XXXX  they ask if the sale was a short sale, I told them absolutely not. They said SLS was still reporting account as a short payoff of!!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & XXXX  totally removed it. Equifax still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing. 
2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX  has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) XXXX  is showing 7 hard inquiries and Equifax shows the most at 11. Equifax has not corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, Equifax is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said Yes. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my XXXX  has dropped to XXXX as of yesterday. And Equifax has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700. HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.
Product: Mortgage

My loan was sold to PHH in XXXX from XXXX XXXX. I had the forbiddance plan with XXXX XXXX. PHH offered me the forbiddance plan to defer my monthly payments for 3 months due to loss of income. They told me that in XXXX I could call to have the loan modification for the 3 months I deferred. I have been calling PHH since XX/XX/XXXX, have called probably 20 times, spoke to different people and no one can resolve my issue. They promise call backs and miss them and when they call nothing has been done. One promised that they submit the application for loan modification but I called recently that was never done. They also promised me that they sent the papers via email and mail and never did. I am worried that this will affect my credit when its not my fault. The 3 months is due on XX/XX/XXXX and I still have not resolution of what it will be done. This is a horrible company with no structure to handle peoples mortgage.
Product: Credit reporting

I was never late on my autoloan and they reported me late. I have proof. They reported me late and wont remove it. They told me to email them about it and I received no update.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number : XXXX XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX