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

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX   all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX   XXXX- XXXX XXXX XXXX XXXX - XXXX
Product: Mortgage

I bought my family from 2006 and iwas given a loan by XXXX XXXX XXXX {$80000.00}, I told the broker I am receiving SOCIAL SECURITY {$600.00} per month XXXX due to XXXX. 
I was told my monthly mortgage is only {$1600.00} .The loan was negative ARM.When it started to increase the payment it was harder and harder for me to pay and i ask for modification, I was told not to make payments for 3 months to be able to qualify for modification for the meantime my loan is getting to the point that i exhausted all efforts to make payment .Nationstar mortgage LLC took over the servicing and colecting the mortgage payment but while on the process of modification Nationstar mortgage forclose my property by XXXX A LAW CORPORATION FOR BANKING INDUSTRY address XXXX XXXX XXXX, XXXX XXXX XXXX, CA,XXXX, XXXX XXXX and sold my property on trusstee sale XX/XX/XXXX.I beg to them that i have people helped me to save my property but they never gave me a chance. telling me I am allready forclose.On XX/XX/XXXX I filed for bankruptcy Chapter XXXX, again the BK is on process and the was trustee continued to auction my property. .I send a written request to give me the original copy of my property DEED OF TRUST, TRUTH AND LENDING ACT AND THE NOTE AND SECURITY INSTRUMENT, I have the physical possession of said documents in my name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ..As of now I have not receive a response from XXXX. 
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Product: Payday loan, title loan, or personal loan

XXXX XXXX, the lender in question, claims that I applied for and received a loan in the amount of {$300.00}, ( {$250.00} plus {$45.00} finance charge ). I have applied and received loans from XXXX XXXX in the past few years, and never had any problems at all, until now. I don't understand what happened. I took out a loan from them back in XX/XX/XXXX, to be repaid by my bank, XXXX XXXX XXXX on XX/XX/XXXX. As you can see in the enclosed bank statement, ( highlighted in yellow ), XXXX XXXX debited my account in the amount of {$300.00} as agreed, on XX/XX/XXXX. It was the way XXXX XXXX and I conducted business ; I applied for {$250.00} loan, and they would debit my account on the 3rd day of the following month, period. I never had any issues with regards to not paying my loans with them. 
The loan I took out in XXXX was the last loan I obtained from them. No other loans were taken out. I attempted to take out more loans back in XX/XX/XXXX,  but they denied my requests stating that a loan was " not paid '', and that I had an outstanding balance of {$300.00} which had to be paid right away. I had no idea what they were referring to. I tried talking to them, to their manager at the store location, but they told me that the loan had to be repaid. I still do not understand what happened here, or why they're claiming that I owe such alleged loan. I have inquired with my bank, XXXX XXXX XXXX, to see if maybe I overlooked something, but they have had not " requests for payment ( s ) from XXXX XXXX   since the last payment was debited on XX/XX/XXXX. NO REQUESTS WHATSOEVER from XXXX XXXX. If I had in fact, taken out any loan ( s ), I'm sure XXXX XXXX would have had no problem debiting my bank account. At this point I do not know what to make of this matter. I am assuming that someone at the store location with XXXX XXXX made a mistake, because I have not taken a loan since the date above mentioned. One more thing, the name of the XXXX XXXX representative who signed the alleged contract at the alleged time of the loan, I do not recognize, since I remember most of the clerks ' names at this particular store location.
Product: Debt collection

I am making this complaint against Firstsource Advantage , LLC. for committing identity theft. I have never given Firstsource Advantage , LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Firstsource Advantage , LLC. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and Firstsource Advantage , LLC. continues its collection efforts, I will file for litigation for actual damages caused and Firstsource Advantage , LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Upon conducting a thorough investigation into my credit report, I uncovered several discrepancies that have significantly impacted my mental XXXX. The discovery of unverifiable, invalidated, inaccurate, and questionable items has caused me XXXX XXXX. It is imperative to emphasize that your agency 's reporting must adhere to the standards set forth by the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is explicitly stated that all reported information must be entirely accurate. The presence of these accounts in violation of such statutes raises serious concerns regarding the integrity of my credit report. 

I have attached copies of all correspondence previously sent in an effort to address these issues. It is my expectation that your agency takes immediate action to rectify these inaccuracies and ensures that my credit report reflects only completely verified and accurate information, as mandated by law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  IQ DATA INC/RENT  COLLECT GLOBAL, REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  IQ DATA  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,   XXXX   XXXX   AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/XXXX   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS   XXXX   XXXX  ND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE
Product: Money transfer, virtual currency, or money service

I withdrew money from my EUR XXXX on coinbase.com on XXXX XXXX. 
It was only XXXX XXXX XXXX after their fees and banking fees ) but there is hundreds people with same problem, also a lot of them withdrew much more money. 

The website told me that transfer is completed and I will have money on my XXXX bank account by XXXX/XXXX/XXXX. I did not get this money. 

First I thought there is a small delay. 
On XXXX/XXXX/XXXX I decided to contact them. I 've created case on their support page. 
My question was without response for a few days so I decided to reach them on twitter. 
After next few days they replay on twitter, they wanted me to give them case number from their support so they can take a look. 

They answered me on their support site that they confirmed it as a problem and they are working XXXX to fix the issue and my " case has been recorded for review by an expert. '' I can not give you specific date because their answers has wrong dates (! ). 

After a next days ( XXXX XXXX ) of silence from them I lost patience and I wrote to them again. I get a very fast answere : " Hi there, Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 


Thank you for your continued patience, and sorry for any inconvenience caused. '' So I was waiting. I did n't hear from them until then. I was writing on their support site and on twitter.
Four days ago ( XXXX/XXXX/XXXX ) they answered to my tweet again : " We apologize for the continued delay. We are working to resolve the issue as soon as possible. Thank you for your patience. '' So I am still waiting and I hope that you will help me.
Sorry for my bad English and thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX - US Bankruptcy Court 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, credit repair services, or other personal consumer reports

XXXX XXXX. A mortgage company checked my Transunion Credit report. 
Unbeknownst to me, there was an account added to collections, from a XXXX XXXX    XXXX XXXX for the amount of {$420.00}. 

I was very confused as I have NEVER done business with said company. Also the fact that Transunion blindly added this information to my report. 
I never once received any information in writing or phone call, in regards to knowing this debt ; that I might dispute within the 30 days that is legally required. 

I mailed out a certified letter to the collection company that is claiming I owe the debt, by the name of XXXX XXXX XXXX ; requesting VALIDATION NOT Verification, of the debt. 
They DID NOT respond. 
This DEBT IS FRAUDULENT and therefore should be removed from my TRANSUNION report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with a error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions significant inconvenience and financial loss, and seek appropriate attention to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud account XXXX/XXXX/XXXX my information was stolen in the equifax data breach and this account was open with stolen information, Current shows as a charged off account with a XXXX balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX  and a collections of XXXX is listed my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Jefferson Capital System added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. When contacting Jefferson Capital System, I was informed that they no longer had the debt and it was sent to XXXX XXXX. I called XXXX XXXX and was informed they couldn't find the reference number associated with any account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debit at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address TransUnion 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit ( Complaint # XXXX ), and filing prior CFPB complaints ( # XXXX submitted on XX/XX/XXXX ), TransUnion reinstated fraudulent accounts without providing a valid reason.

TransUnion has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ). Supervisors have stated that their " policy '' prevents the removal of these fraudulent items, which directly contradicts the law. These accounts, including collections, late payments, and charge-offs, are the result of identity theft, as evidenced by my submitted FTC Criminal Complaint.

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations.

In addition, I am reporting the failure to remove two fraudulent student loan accounts from my credit report, despite submitting a valid FTC Identity Theft Affidavit and all required supporting documents. These accounts were opened fraudulently at XXXX XXXX XXXX XX/XX/XXXX under account numbers XXXX and XXXX. In XXXX, I submitted my FTC affidavit disputing these accounts and provided all necessary documentation to have the items blocked and removed in accordance with FCRA Section 605B. However, despite compliance with the legal requirements, these fraudulent accounts remain on my credit report.

I have spoken with several supervisors who informed me that the accounts could not be removed due to an internal " policy '' that conflicts with the procedures mandated by law under FCRA Section 605B. This policy does not align with the federal protections afforded to victims of identity theft and has caused significant harm and frustration.
Product: Credit card

I went to XXXX to purchase tires. I made several attempts to complete the purchase with my Chase SW Visa Rewards Credit Card which shows online as having proper credit balance and current status is ok. Each time the card was declined. I called XXXX and they said the issue was with Chase Bank. I called Chase Bank and they said there was a fraud hold on the card. I asked why. They could n't tell me. They put a hold on the card without telling me and caused me to spend over an hour trying to figure out. This is a breach of the cardholder agreement and just plain wrong. They are dishonest. If they are going to restrict use of the card with new online merchants they should notify the consumer prior to doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.
Product: Debt collection

I have been receiving excessive notices from portfolio recovery regarding a debt that I do not believe is mines. I have asked for them to verify the debt gas not been done. They just keep calling and sending notices and threatening to take legal action. This is in my credit report I have disputed it. It is agreeing my credit negatively.
Product: Debt collection

received letter from ERC stated I owe XXXX to XXXX XXXX XXXX XXXX which I never had an account with and that has been placed with ERC for collection.They offered discount for {$660.00} and I can pay it with cash at XXXX pharmacy or XXXX store or mailed.They gave me account number and reference number.Had never account with XXXX XXXX XXXX, tried to call number provided but can not reach anybody.Letter tell me that I can dispute the validity of this debt with I never had any relation with that company if I dont dispute it will be consider valid and reported to credit bureu.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a denial of credit letter from XXXX XXXX. The reason for the denial was listed as : '' we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' Equifax was the credit bureau listed. I then pulled a copy of my report which showed, " Fraud Victim " Extended Alert '' & File Blocked For Promotional PurposesAlert Contacts 1 Records Found. '' Next I called Equifax to get this removed, answered dozens of questions, and was told it would be removed shortly. On XX/XX/2018, Equifax emailed me that my " dispute had been completed. '' When I clicked the link and entered my information, it says it doesn't match and they can not display my results. I have called seven ( 7 ) times to various phone numbers for Equifax, and been hung on four ( 4 ) times! I finally spoke to " XXXX '' ( spoke with a nearly unintelligible foreign accent ) ( XXXX ) who told me the fraud alert was removed last XXXX, which I know is a lie, since it showed up on the report I pulled on XX/XX/2018. I told him that since this involves a denial of credit the FCRA requires them to provide me a free copy of my report and to resubmit my credit file to anyone who has requested it in the past 6 months, but he refused to comply! 

So, as it stands, I can't access my credit file and neither can my creditors, and Equifax won't do anything to help!