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

I fully completed the First Advantage form, " Request for Full File Disclosure, '' which required the inclusion of sensitive information and personally identifiable proof ofidentification documents. For security purposes, I mailed all required documents via US Postal Service on XX/XX/XXXX to : First Advantage Consumer Center Attn : Full File Disclosure XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/XXXX, I emailed First Advantage requesting the status of my request. On XX/XX/XXXX, I received the following reply : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hello XXXX XXXX, Thank you for contacting First Advantage to check the status on your Full File Disclosure. We apologize for the delay, but our department never received the documents that you sent by US mail. In order to provide you with your Full File Disclosure in an expeditious manner we would like for you to provide a copy of your documents by email. 

Again, thank you for contacting First Advantage. 

First Advantage Consumer Advocacy Center ( XXXX XXXX First Advantage | O : XXXX F : XXXX XXXX Follow Us : XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - As First Advantage should well know, documents containing sensitive, confidential, and personally identifiable information should absolutely never be transmitted using email. 

This may indicate First Advantage should not be trusted with the sensitive and confidential information they collect, store, and transmit. How are they handling this information? 

And with the excuse the gave me in above email, how many consumers unwittingly comply by sending sensitive documents such as passports, driver 's licenses, social security cards, military IDs, credit card and utility billing statements, property tax bills ( these are all sample documents requested by First Advantage ) through email? 

First Advantage should be investigated and audited as to their business practices and safeguarding of information.
Product: Mortgage

On XX/XX/XXXX, as required, I paid {$1000.00} for the 2nd Installment of the XXXX Taxes for my property. I made this payment in person at my bank because there was no information in the XXXX County Treasurer 's Office that Select Portfolio Servicing , Inc., had paid {$1000.00} as required by law. The result was both payments were received by the Treasurer 's Office on XX/XX/XXXX. I called several times and wrote to Select Portfolio requesting reimbursement. Select Portfolio had transferred my mortgage loan to another company to be effective on XX/XX/XXXX. When I called Select Portfolio 's Customer Service I could never get through to an Agent because my loan number was no longer active. In addition, my correspondence was never acknowledged by Select Portfolio. I visited the XXXX County Treasurer 's Office and was told that since XXXX XXXX, the Agent for Select Portfolio had declared that they were paying on their behalf, not on my behalf, as the mortgagee, they could not return my payment. Why would they pay on their behalf? It's not their property. The XXXX County Treasurer 's OfficXXXX website shows I'm due this refund. According to the Treasurer 's Office, XXXX XXXX must request a refund from the XXXX County Treasurer 's Office and issue the refund to me. Both companies, Select Portfolio Servicing , Inc. and XXXX XXXX must act.
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 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 : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX 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 EXPERIAN 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.

The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX  XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They 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. Equifax, XXXX XXXX, and XXXX 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 they 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 they 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. This is the second attempt to get the requested information from the XXXX letters sent to Equifax. PLEASE SEND THE REQUESTED INFORMATION OR DELETE THIS ACCOUNT FROM MY NAME/ CREDIT REPORT.
Product: Mortgage

Our mortgage was denied on or about XX/XX/2021 after receiving conditional approval on XX/XX/2021. After applying for the loan the processor advised us that the loan we are refinancing had to be removed from forbearance. I took the mortgage out of forbearance and made the first three monthly payments. The forbearance was due to the pandemic. We lost one income and were uncertain about what the future would hold. Both of our credit scores are 800 plus. Our debt to income ratio was less than 30 %. We had sourced and seasoned cash reserves deposited in the institution. The Loan to XXXX was going to be in the area of 60 %. The lender led us to believe they would complete the refinance. We locked our loan rate and followed their instructions. We did not shop another lender or lock the rate with another lender. On XX/XX/2021 I received an email from the processor that our loan had been denied by the underwriter. At this point I do not know the reason why because I have not received an adverse action letter from the lender. However I believe the lender is treating forbearance as foreclosure or bankruptcy. I'm sure that was not the intention congress had when implementing the CARES Act and extending forbearance to homeowners that had lost a job due to the pandemic.
Product: Mortgage

My wife and I applied for a VA 15 year mortgage through Navy Federal Credit Union in XX/XX/XXXX. More than six weeks later, it was denied for inadequate income. Navy Federal would not consider the more than {$400000.00} in annual income we would receive from the XX/XX/XXXX sale of XXXX XXXX that we owned for more than 30 years. Subsequently, Navy Federal moved us to a conventional, 30 year mortgage at a higher interest rate. 

The failure of Navy Federal to act timely, to look at the source of our income and how long we had that income was unconscionable in our eyes. From day one, it was clear that we had sold our business and our principal source of income was now through a 20 year contract with the employees who bought the business. By the time Navy Federal acted, we were so deep into the process, we were compelled to continue on the path they directed or we would have lost the home. The sellers had grown impatient with the delays. 

Particularly egregious to us was that in reviewing VA lending guidelines, as set out in VA pamphlet 26-7, we should have readily qualified for exceptions to requiring we have our new source of income for 24, as well as 12 months. Prior to starting our own XXXX XXXX XXXX XXXX, I had worked for the XXXX XXXX XXXX for eleven years. Out of XXXX XXXX, I started with XXXX as a XXXX XXXX and worked my way up to XXXX and XXXX XXXX   XXXX positions before resigning to start XXXX XXXX. With a college education, more than 40 years of work in the field and substantial earnings both before and after the sale of XXXX XXXX XXXX XXXX, we easily met the VA guidelines which clearly set out that decisions as to income should not be mechanically applied, but consider on a case-by-case basis using education, experience and past income and the likelihood it would continue. Over the five years between XXXX and XXXX we averaged annual growth in excess of 30 percent. 

We do not believe Navy Federal acted in a timely manner to deny our claim, thus denying me an opportunity to go with another lender. Furthermore, we believe Navy Federal, through their actions and failure to follow VA guidelines, deliberately directed us to file for a higher rate conventional mortgage, thus allowing Navy Federal to make more money on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 To whom it may concern : I would like someone to know how I was taken advantage of today and seek reimbursement for money taken unknowingly to a theft. 

I received a fraudulent warning email from XXXX saying XXXX XXXX had spent {$470.00} from my account. I responded to the email on the same day it was sent ( XX/XX/22 ) to reassure the company that I had not made any purchases. 

I was given a report # XXXX and told that they would reimburse this money and help me to prevent any future cyber attacks. I believed them and proceeded to allow them to use " XXXX '' app to walk me through the addition of virus identification. They said I had XXXX XXXX XXXX, and XXXX virus. I was glad to have someone help me rid of this on my phone. The representative then added new apps and set up accounts including : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These were to prevent further online hacking. 

I became suspicious after my bank simultaneously called and the representative told me to ignore them. Once I disconnected with the XXXX representative, they continued to call back some times texting but the numbers always said " XXXX XXXX. '' My credit union was immediately informed, but they said since I " allowed '' them on my phone, that I was responsible for the theft ( {$500.00} XXXX  cash, and {$120.00} XXXX ) that I immediately know of. Unfortunately, they had " XXXX '' spyware and saw my driver 's license information while setting up " XXXX ''. I can lock my account, but only a photo id ( stolen ) is needed to reopen it. 

Phone numbers used to call me included : XXXX XXXX XXXX XXXX separate e-mails say : XXXX XXXX, I am calling from XXXX support. Please call me back at XXXX XXXX XXXX Police were notified on XX/XX/22 at XXXXXXXX XXXX  and said the money was probably already in a different country and not much they could do but I could file a report if I wanted to. However ; contacting the bank and companies for accounts set up was my best bet. 

Thank you for your help. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear Source Receivables Management, I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXXnner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

I have identified 13 fraudulent accounts in my TransUnion report that I would like to have removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, Ga XXXX XXXX SS Number : ( XXXX ) ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts From Credit Report Dear Credit Agencies, I am writing to formally dispute certain information appearing on my credit report, as I believe that some accounts listed are inaccurate and unverifiable. Recently, XXXX, one of the credit reporting agencies, removed and deleted the disputed accounts from my credit report due to their inability to verify the information. In light of this, I respectfully request that you conduct a similar investigation, and remove the unverifiable accounts from my report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific accounts in question are listed below : XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$7100.00} XXXX XXXX  ( XXXX ) ( Acct : XXXX ) Opened : XX/XX/XXXX {$8900.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$800.00} XXXX XXXX  ( XXXX ) ( XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX  ( XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX {$82000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$10000.00} XXXX XXXX XXXX ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$14000.00} According to the FCRA ( 15 U.S.C. 1681i ), you are required to investigate disputes and ensure that all information on my credit report is accurate and verifiable. XXXX has already removed the accounts in question due to their unverifiability. I request that you review the same information, and based on the outcome of your investigation, remove these unverifiable accounts from my credit report. 

Please provide me with a detailed written response outlining your investigation 's findings and any actions taken. If the accounts can not be verified, I expect them to be removed promptly. 

Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If the accounts are not removed, I request that you provide the name, address, and phone number of the original creditor, along with any supporting documentation they provided to verify the information. 

Thank you for your attention to this matter. I look forward to your timely response and to having these inaccurate and unverifiable accounts removed from my credit report. 

Sincerely, XXXX XXXX Please note : XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX was deleted from XXXX because it was fraudulent and unverifiable. Please see attachments : Please remove and delete from my credit file due to inaccuracy and inconsistent with other credit agencies and bureaus.
Product: Credit reporting or other personal consumer reports

This is concerning Account Number : XXXX previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish. Your company is also furnishing different information to the credit bureaus. How is this legal when all information should be correct? How can there be 3 different Date Last Active? You also failed to investigate that my personal information was compromised in the XXXX data breach. I will attach both my credit report and data breach claim ID. In the absence of any such documentation and other violations, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : CAVALRY PORTFOLIO SERV XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please removed these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. And I was informed by XXXX and Experian that my information has been apart of a Data breach. After careful review of my credit report I have noticed several inaccurate reporting accounts. I have attached for your review. Please remove these accounts immediately for it is damaging my financial reputation. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I made settlement arrangement with XXXX XXXX XXXX  and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with XXXX XXXX XXXX not following through and reported these as paid. Experian is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding all three credit bureausEquifax, XXXX, and XXXXdue to their failure to provide me with the information I requested concerning their investigation of XXXX XXXX. I contacted each of the credit bureaus requesting details on the investigation they conducted after reporting issues related to my account with XXXX XXXX. Despite multiple attempts to obtain this information, I have not received any response or explanation about their investigation or the findings. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I am entitled to receive information about disputes and investigations. I am seeking assistance from the CFPB to ensure that the credit bureaus provide the necessary details regarding this investigation and that any inaccuracies on my credit report are addressed