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

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 and subsequent reinvestigation, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXX XXXX 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: Debt collection

Capital accounts is reporting that I owe {$500.00} for a XXXX XXXX. I had to XXXX the Dr. to find where she works. Found out she was one of the Dr. 's who is on call with XXXX XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX 's billing department on XXXX XXXX 2017 at XXXX XXXX pacific time. She informed me I do not owe the hospital anything and that nothing was sent out to any collection agencies. I informed her about this account and she stated the insurance covered it. Again informing there is no outstanding balances at all.
Product: Mortgage

We did a 15 year refi on our current home, that closed on XX/XX/XXXX. As part of the refi, Chase was so pay down our current HELOC to 0 and roll that into the refinanced amount. Even though everything is through Chase, I received a paper check from the title company, made out to Chase, drawn from a Chase account. I called the title company and after requesting some information from me, they wired the proper amount to Chase. However, Chase now refuses to let us access our HELOC without documentation saying it was a pay down, not a payoff. I've been going back and forth between the title company and the Chase refi servicing department for almost a month and we still can not access our HELOC. We are not in need of the money now but it is our back up funding for our daughter 's wedding in XXXX. Yesterday, the title company shared an email received from Chase, saying I only need to call to have the HELOC reactivated but I'm currently on hold with Chase, who have no idea what I'm talking about and still will not reactivate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX As a federally protected consumer I am demanding the deletion of the INQUIRIES listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Wrote Experian & XXXX Multiple Times Due To Unauthorized Inquiries On My Report. Both Credit Reporting Agency Failed To Investigate
Product: Debt collection

A company called High points asset keeps calling and leaving voice mails saying I have 72 hours to leave a statement on my behalf and that there are XXXX charges against me XXXX. Aways it is a recording. when I call back no one answers. They have also left messages on my parents phones as well
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification and Validation Under Consumer Protection Laws XXXX  XXXX Account Dispute Complaint Details : This is my third dispute related to the XXXX  XXXX account referenced in the attached investigation results. Despite my efforts, TransUnion continues to report the account as verified without providing any tangible evidence of verification or validation. I am a victim of a data breach, and my personally identifiable information ( PII ) may have been compromised, raising serious concerns about the legitimacy of this account. TransUnions failure to properly investigate and Capital Ones failure to provide documentation are clear violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Specific Issues : 1. Repeated Verified Status by TransUnion : TransUnion continues to label this account as verified without supplying adequate evidence or documentation that supports the accuracy of the account. This violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation into disputes. 
2. Failure to Provide Validation : XXXX XXXX has not provided legally required validation of the debt. No signed agreements, payment histories, or account records have been supplied in response to my requests, violating FDCPA XXXX ( b ). 
XXXX. Data Breach Concerns : As a victim of a data breach, my PII may have been fraudulently used, further calling into question the validity of this account.

4. Consumer Law Violations : TransUnions failure to conduct a reasonable investigation under FCRA. 
XXXX XXXX  failure to validate the debt under FDCPA. 

Requests : Provide Validation Documentation : TransUnion and XXXX XXXX must provide all documentation used to verify and validate this account, including : Signed agreements proving ownership of the account. 
Detailed payment histories and account records. 
Explanation of the investigation process used to verify this account. 
Delete the Account : If the requested documentation can not be supplied, this account must be deleted from my credit report immediately, as required under FCRA 611 ( a ) ( 5 ).

CFPB Investigation : I request that the CFPB investigate TransUnion and XXXX XXXX for their failure to comply with federal laws governing credit reporting and debt validation. 

Litigation Notice : Should this issue remain unresolved, I am prepared to pursue legal action against TransUnion and XXXX XXXX for noncompliance with FCRA and FDCPA, as well as the harm caused to my creditworthiness and financial stability. The repeated failure to provide verification or validation, combined with TransUnions unsupported verified status, constitutes grounds for litigation.
Product: Debt collection

I have no idea who or what this account is, I've never gotten any type of contact from them I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

Experian has failed to feel its legal obligations under the fair credit reporting act FCRA to conduct a reasonable re-investigation of this beauty information on my credit report, leaving an accurate or unverifiable accounts on resolve the consumer financial protection bureau CFPV, has recently filed a lawsuit against experience, a legend, systematic issues, such as failing to forward, consumer for via the evidence to furniture, acceptance and reliable responses, and feeling to adequately, notify consumers of dispute outcomes. These values along with my experience with experience has me the corrected nor removed needed items. Despite the evidence provided, cause an ongoing hard for my credit standing I am requesting immediate, corrective action to remove or a member disputed account as experience in action violates federal law in my rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian and CFPB several times regarding several egregious violations of my rights as a consumer under 15 U.S.C. 1681. 

Experian is refusing to abide by rights, complete dispute investigation request or remove the erroneous and unverifiable entries.
Product: Credit card or prepaid card

I received my Pay Pal rewards MC through Synchrony earlier this year, and have experienced a multitude of issues when 1 ) trying to obtain my rewards and 2 ) making payments. The foundation of my complaint is that customers are passed back and forth between Synchrony and Pay Pal with neither of them trying to solve the problems. I call Syncrhony and they tell me to call Pay Pal, I then call Pay Pal and they transfer me to Synchrony. In the past when I have to redeem my rewards, this back and forth has happened five times during one morning of trying to resolve this. This recent complaint deals with a text I received this morning about my account about a Fraud Alert. Not realizing that I would receive a fraud alert about a payment on my account, I responded that I did not recognize the transaction. I am in the midst of being afflicted by a very bad case of the flu, so perhaps if I would have gotten out of bed right away to verify the exact payment amount I scheduled a couple of weeks ago I would have been able to respond that I did recognize the transition. However, why in the world would I even receive a Fraud Alert when  someone is trying to PAY not charge to my card? That does not make any sense. When I realized what happened, I tried to call the Pay Pal number, but they don't even open until XXXX XXXXCPT, I tried to call Synchrony since that is the company I am paying ( I guess ) and once again, they could not help me and sent me to Pay Pal. This account is a nightmare. Why are these companies not required to address these issues without sending customers back and forth?
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXXXXXX XXXX  Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent account and incorrect addresses as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<
Product: Credit reporting or other personal consumer reports

My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the XXXX XXXX report.
Product: Mortgage

As a XXXX XXXX XXXX and Veteran we were impacted by the COVID Pandemic and were offered a forbearance by M & T Bank. When we were ready to resume payments we were told that our loan would be modified and that we would need to make 3 trial payments. In the process of doing so we never received any documents and that showed our new payment amounts, what the new terms would be and when the mortgage would be modified. We received phone calls almost twice a week from the bank however no documentation was ever provided to us. We were verbally told the payments to make monthly and did so in XXXX. We began the process to refinance our home with another bank and requested the forbearance and modification documents from M & T to provide to our new bank. We were requesting a mortgage statement the month of XX/XX/2021 which has not been sent to our home and is not available to see online. We requested forbearance documents which which has not been sent to our home and is not available to see online. We requested modification documents which has not been sent to our home and is not available to see online. I was told that the documents are in their QC process and would be sent to me after that process. When asked when that process would be complete no response was provided. When asked about the fact that M & T has failed to provide me a due date, mortgage amount and/or mailing address there was no response. I inquired what happens if the payment is late because that information was not provided to me and they said they would put me into default. I asked that a statement, forbearance and modification documents be sent to me via email. I was denied. I asked that a statement, forbearance and modification documents be sent to me via the secured messaging platform of their own internal online banking platform. I was denied. I am scheduled to close on the refinancing of my new mortgage in 4 days and need this information for underwriting purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer 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 in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This involved cash app and I want to get a refund from someone that was not honest to help with my credit score. I spent a total of XXXX. They never refunded the money even after I spoke with the buisness and didnt the cash app way too and was never refunded my money. 
I asked for my money back XXXX times over the past XXXX months. No thing came of what was needed or what I wanted. 
Sunday XX/XX/XXXX. XXXX XXXX weeks before that XX/XX/XXXX 2024
Product: Mortgage

I have been trying to obtain a modification from my old lender XXXX XXXX XXXX since XXXX XXXX when my loan defaulted because of past due property taxes. We believed that when he got our XXXX loan that the taxes was impounded. Once XXXX took over the loan and the 5 year statute passed for past due property taxes ; XXXX XXXX XXXX sent us a letter advising us that we was {$60000.00}. in debt for property taxes. Our payment went from {$3400.00} to {$10000.00}. We tried to ask XXXX to help us but they only tried to adjust the escrow which dropped the payments to about {$8500.00} which we still could not afford. We tried for three and a half years to get a modification with XXXX XXXX XXXX with no success. First they say we had too much income, then they said it was n't enough income. Lot 's of back and forth. Then in XXXX XXXX ; the sold the loan to US Bank, serviced by XXXX loan servicing. We have now been trying with no luck or success with them. They have denied the XXXX modification packets that was submitted in XXXX and the XXXX that was sent by our representative. We do n't know what to do and were afraid they will foreclose on our home. We tried to explain that we were part of the predatory lending from XXXX, but it appears that they do n't want to help us. Our loan is now XXXX years past due with lots of fees and costs. They are refusing to entertain any offers. They offered us a modification after they denied our request four times. Then started foreclosure proceedings on XXXX XXXX, XXXX ; right after they denied our appeal. One week after we resubmitted an appeal it was again denied and then on XXXX XXXX, XXXX they offered us a modification. The agreement was that we would have to come up with {$220000.00} in past due fees and costs. We would have a mortgage payment of {$8200.00}. We ca n't afford that. I believe they just offered us this so that we could show our inability to pay this agreed modification. No principal reduction, balance put to back of loan, no consideration for our income and expenses. I want someone to get involved because XXXX XXXX XXXX washed their hands of us and this new servicer ; is unwilling to help us. They only want to sell our house. We just want a fair offer. We asked for them if we could pay back {$100000.00} towards the default, provide us principal forgiveness in the amount of {$280000.00} ; to put the balance of our property taxes in the amount of {$24000.00} to the back of the loan and keep our payments roughly about {$5100.00}. They refused as well. We may have to file a lawsuit to stop them from selling our home. They are not following none of the guidelines that was set up in the us settlement lawsuit against the major banks. They are not trying to work with us at all. Can someone please help us with USBank and XXXX loan servicing. Time is of the essence and we are afraid that they will try to foreclose on us this month.