23daVinci/CFPB_Complaints huggingface dataset:
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 creditors 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
Product: Mortgage

I was solicited by Equity Prime Mortgage for a refinance on my home after doing a search on line. I finally decided to refinance but had a modification 1.5 years ago. It was clearly on my credit report. The loan officer insisted I was qualified and charged me {$500.00} for an appraisal. I ask him numerous times, are you sure I qualify I had no money to waste. He assured me I did. So I had an appraisal and then I had to have the appraiser come back for a couple of small item which cost another {$150.00}. The it was going back and forth with under writing before XXXX of their employees realized it was a federal law I could not get a refinance until a 2 year waiting period. I ask for money back because I was miss informed and got an appraisal for a loan I would have never gotten had they know the policy. I think the company need an through investigation for their practices and I would like to have my {$650.00} back that I did not have to throw away.
Product: Debt collection

Collection I want to inform you that I have never done any type of business with this company that claims to have any type of debts with them. I do not know and I repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mention the legal status of an alleged debt. 3. Violation 15 USC 1692e A debt collector may not use any false, misleading or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4. Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt will cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the consumer 's prior consent given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer regarding the collection of any debt... 6. Violation 15 USC 1692d ( 4 ) The announcement of the sale of any debt to coerce the payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer granted directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if permitted by law, the creditor, creditor 's attorney, or debt collector 's attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX  XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

Have made several attempts to get finalization documentation on foreclosed property so I can apply for new home loan. 
Ref # XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, GA. XXXX
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 XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 generally, 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 ca
n 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: Prepaid card

DirectExpress gave SSI funds to a car rental company ( XXXX ) vs having the funds available for use, living expenses. I did not have knowledge of any dispute or outstanding debt I supposedly had with any merchant. The first cpl times I called in I was told XXXX had a dispute with me. None of it made sense to me. I had leased a car for 3 days in XXXX, but now they are keeping my SSI monies in the negative initially For - {$3900.00} and keeping my checks to pay off this negative amount. Which would be another 6 months of me negative XXXX balance. Due to their mishandling of my Monies -i am now homeless and suffered a XXXX. I am more then slipping thru the cracks, I have slipped - I 'm all the way down. I need someone to advocate for the funds that I 'm legally entitled to as well as the fact that my benefits are federally protected. Ever since I 've contacted them on XX/XX/2016 they have played games with me. The first dispute they never sent me any information on. They always pretended they were going to send me the dispute packet until their 45 days of investigation had ended, then I received a denial letter. So I wrote a complaint to the Treasury dept. The next thing I know I get a phone call from a man named XXXX at the email address : XXXX. He 's lead me to believe he was acting on my behalf, opening another dispute and asking to jump thru another hoop. I 'm writing to ur agency to ask that u would on my behalf give them a swift kick in the but. XXXX has done the same thing, left me hanging onto hope that this matter would be remediated and he was working on my behalf wherein he 's done the same protocol. Having me hang on and be hopeful and then close and dismiss my dispute. He knowhat SSI funds are federally protected and that I 'm doing every imaginable thing to survive this major set back. XXXX and DirectExpress know they could come at my Dispute from a number of directions yet they choose not to. I was so happy to find ur organization, and some of the cases uve worn in the courts. If any agency could be helpful to my situation. And the sooner the better. Allow me to thank u now for any all work u do on my behalf. Sincerely, XXXX pH : XXXX DirectExpress Tracking ID : XXXX
Product: Mortgage

I bought my home 9 years ago with a VA loan from XXXX. The loan was sold to Nation Star and I didn't have a problem then. The loan has since been tranfered to a different part of Nation Star called Mr. Cooper. I can no longer access my documents and mortgage stuff from the XXXX website. 

My biggest problem is the privacy notice that I got. It basically says that they are going to use my personal data for marketing purposes not only with Mr. Cooper but their affiliates. The notice said that there is basically nothing that I can do about this. 

I don't know the law but I always thought that my personal data belonged to me. I never agreed to do business with Mr. Cooper. I bought my loan from XXXX. I don't know the law but I want to know what my rights are and if my personal information has value then why does my mortgage company think that my information belongs to them. 

Is the Privacy Act of 1974 applicable because it is a VA loan? Is there anything similar to the Privacy Act of 1974 that governs civilan companies?
Product: Mortgage

On XX/XX/XXXX, following website directions, we filled out a request for a payoff statement on the XXXX XXXX website for a payoff date of XX/XX/XXXX. We received no response. 
When the payoff date passed, I called the consumer line for the company and was assured by " XXXX '' that he would email a payoff statement to me the next day at the latest for XX/XX/XXXX. Again, we received nothing. 
On XX/XX/XXXX I sent a letter overnight to the appropriate address on the back of my statement requesting a payoff date of XX/XX/XXXX. I advised we would file a complaint if we did not receive a response. We have not received a response. 
The delay is costing us interest on the mortgage and my understanding is that the company is required to acknowledge our request within 5 days.
Product: Debt collection

This debt is from a residence of 4 years ago, we were never sent a letter of intent to collect a debt. I did not receive a notice of right to dispute, nor did I receive any phone calls to collect a debt from XXXX XXXX, as I did n't realize I was being charged. Upon review of my credit report, the balance was sent to collections. I called the collection company to offer a settlement of {$500.00} and she laughed at me over the phone, lied to me about her title at the company, and then was very offensive, talking to me like a child. She offered me a settlement amount that was over my means, telling me that her supervisor approved that amount. When I asked to speak to a different supervisor, she stated " I AM THE SUPERVISOR LADY '', and she was very rude and offensive. I then spoke to another " supervisor '' who stated she was the supervisor, and unfortunately they could n't help me lower the settlement amount.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The company misrepresented that I owed a debt that it could not substantiate my ownership, even when I requested that documentation be provided. Further, the alleged debts were from XX/XX/XXXX and XX/XX/XXXX and I indicated if they were mine it was past the statute of limitations. Additionally, they provided information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate. Lastly they failed to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency and used illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am submitting this formal dispute regarding First Investors Servicing Corporation 's failure to update their records and provide me with the title for my account, which has been satisfied.

On [ Date ], I submitted a Form 1099-A to the IRS, which was accepted and processed. Following this, I provided the relevant information and documentation to First Investors Servicing Corporation, fulfilling my financial obligation for the account in question. Despite my compliance and multiple attempts to request an update, they have not reflected the account as satisfied, nor have they provided me with the title as required.

I have made several attempts to resolve this matter directly with First Investors Servicing Corporation, but they have failed to take appropriate action. Their lack of response and refusal to update my records is causing unnecessary hardship and is in violation of fair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this complaint myself with nobody help! MY NAME IS XXXX XXXX AND THIS REQUEST CAME DIRECTLY FROM ME!! I'M NOT WORKING WITH A CREDIT COMPANY TransUnion Consumer Solutions XXXX XXXX XXXX DATE OPEN XX/XX/2017 My personal information was exposed in the XXXX  Data Breach in 2017 '' i've contacted TransUnion informing them of this matter after reviewing my credit file with them MYSELF my name is XXXX XXXX also went and file a police report and Demanded a investigation also i've file a FTC report myself about this identity theft problem that i've been battling with for years now!!! i also filed a consumer complaint with CFPB and recently TransUnion Consumer Solutions wrote me back saying that my CFPB complaint regarding my investigation does not appear to have been sent directly by me or to be authorized by me!! this makes no sense i called TransUnion Consumer Solutions myself in the past and also file disputes on they websites nothing was solve!!! and recently i've log into my TransUnion and try to re submit a dispute as told by them and i was locked out i called TransUnion 1800 number and i waited a 4 hours and still no one to speak to!! this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft! my next step if this problem continue ill be contacting a attorney because this is very time consuming and complicated i've did everything i can possibly do!! being that i dont have a history in credit or finance i will be contacting an attorney who specializes in predatory loans and breach victim compensation please fix this issue asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX  XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - $XXXX (this is a duplicate account ||XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|TRANSUNION| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : XXXX DOB : XX/XX/XXXX XXXX : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX   {$950.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


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

I have filed multiple disputes with XXXX XXXX and experian about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, Experian, XXXX XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on XXXX, XXXX, and XXXX : they have stated that they received the information from XXXX. I did not give XXXX, XXXX, XXXX, or ARS permission verbally or in writing to report any information about me or collect any data on my behalf to report to third parties. XXXX XXXX, XXXX, and Advanced Resolution Services has violated the Privacy Act of 1972 by collecting and sharing my personal information without my consent. I have contacted them to ask the to remove the bankruptcy from my report. Several times they have stated that they verified the bankruptcy but did not provide any information as to how they verified and who they verified it with. I received a letter from the bankruptcy court stating that they do not furnish personal information or bankruptcy details to any third parties. The court also noted that they did not validate any information to be reported on any credit reports. Furthermore my bankruptcy was cancelled and all debts have been paid in full therefore the public record is inaccurate, the file has been withdrawn and closed. This reporting has caused a tremendous hinderance in my ability to obtain credit. I have sent multiple letters to each bureau and XXXX via certified mail.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the listed creditors, and I urgently request their removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is reporting late notations on XX/XX/2019. My husband and I worked for a company that ended up going bankrupt and leaving both of us with no work. We kept getting promises of getting paid and we went months without receiving a paycheck and when the company went bankrupt, we saw no pay for the months of work that we did. We fell behind on accounts and caught up as soon as we could. We ask that Chrysler Capital please remove the XX/XX/2019late notations.
Product: Debt collection

Sent letter, requesting validation of debt ; SIGNED CONTRACT. No validation of CONTRACT has been provided. Stated that if valid contract CAN NOT be provided to validate this debt then this company MUST REMOVE from all of my credit reports.