23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Conserve, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the Assignment Contracts as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 


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

I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with Experian to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the XXXX XXXX  XXXX XXXX and cleared. Hopefully that should come off my credit in a timely manner. I have tried Experian boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - XXXX, XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 
In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? 
Please provide me with the name of that individual, their business address, and telephone number. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1s hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts 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 with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : XXXX XXXX XXXX XXXX XXXXXXXX Provide Physical Proof of Verification
Product: Credit card

XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. 
The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. 
I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. 
Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. 
I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. 
Sincerely, XXXX XXXX
Product: Debt collection

I disputed with the EXPERIAN company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the disputes requested info i requested or response about when I will.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I had this service years ago and it appeared to work. Now it does not. I believe they do not possess the proper avenues to correct my credit reports. I have received several responses from my creditors in question and they report that insufficient information was asked and NO CHANGES WILL made. XXXX XXXX  then puts a para legal on the phone and I asked for a Supervisor and was promised a call back. I received nothing within 4-5 days. I called back, was denied by another paralegal and their Supervisor. Then, after holding another 10 minutes got a Lawyer, who basically stated that they DO NOT provide refunds, but he would go through the history and see what they could all learn from the call. They were much more thorough in their decline of my {$750.00} investment to their services, than they were with the intro to the mighty services they provide. They are arrogant and belittling at the same time. Consumers should watch out for their empty promises or innuendos that state that they can FIX your Credit.
Product: Credit reporting or other personal consumer reports

This credit reporting company is not investigating like they supposed to under the FCRA. They are required by FCRA to verify 100 % that all information reported is 100 % accurate and need to provide me with evidence for this disputed information.
Product: Mortgage

I have already filed a complaint against Carrington Mortgage. They verbally told me on the phone when I spoke with a representative that there was an issue with the title on my property XXXX XXXX XXXX XXXX XXXX GA XXXX and that once the title issue was resolved they would let me do a deed in lieu. Today when I called they informed me that they were selling my property to yet another bank and I would have to begin the foreclosure process all over again. This house has not been paid on in over 4 years and has been vacant over 4 years as well. I had to file bankruptcy to stop this property from continuing to hurt my credit however it is still showing me as the owner on XXXX and therefore I am not allowed to ever purchase another home for my family and rebuild my credit. Carrington Mortgage also stated they had someone come out and secure the property, I can gladly provide documentation that this property is not secure. People are stealing copper wiring and taring away the permanent foundation underneath and are going into the property and doing illegal drugs according to the officer I called out the the property. The officer stated that they have asked the bank/Carrington Mortgage to board the property up and they fail to comply. This is a huge safety hazard. I do not understand what it is going to take to get this property out of my name. I want to do a deed in lieu as agreed upon and yet here they are shuffling me off to yet another mortgage company instead of holding up to our verbal agreement. They stated the would contact HUD to get this to stop reporting to cavirs but when I contacted HUD they said they were not contacted and it is still reporting. Is there anything legally I can do? This seems unfair to me to never be able to buy another home because they are not foreclosing on this one after 4 years nor allowing me to do the Deed in Lieu as they agreed to. As mentioned I can gladly get pictures of this property they claim is secure and show it is in fact not, it is a dangerous hazard to the community.
Product: Money transfer, virtual currency, or money service

I was scammed online and had sent payments through Zelle with my XXXX XXXX. I disputed all transactions and still havent gotten my money back. Please help me. I sent payments on XX/XX/XXXX and XXXX. XXXX of {$100.00}, 2 payments of {$200.00} and 2 payments of {$400.00}. The scammer had asked me to deposit XXXX into my account and sent it to them through Zelle. Little did I know those same checks that were deposited into my account for their transfer had be returned to them which made it deduct {$1500.00} out of my hard earned money.
Product: Debt collection

On XX/XX/XXXX FCO ( Fair Collections & OutSourcing and I reached a settlement agreement that with a payment of XXXX my account with them would be considered closed and settled and updated to reflect that on my credit report to reflect settled in full ( See attached ). The payment was made to them and I received a confirmation letter dated XX/XX/XXXX. In XX/XX/XXXX i checked my credit and the account reflected as : Open and with a balance of {$3400.00}. At this point I disputed the information and received a letter back from the creditor ( See attached ) stating that the account has been reported correctly. They have not stuck up to their part of the agreement and my credit has been impacted from XX/XX/XXXX until today. I would like this information to be updated on my credit to what was agreed upon. I have been turned down for an apartment due to their inaccurate reporting because it does not reflect that i have paid them in a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquires on my Equifax credit report and I called in to report them. They were very inconsiderate. They refused to acknowledge they were fraud. I asked to speak with a supervisor. The agent in XXXX stated there was no supervisor available. I asked for a callback. They said they dont do outbound calls. What kind of establishment is this? This agency plays a very important role in our lives at it is supposed to report and correct inaccurate and fraudulent activity. The only thing she said I could do was mail or fax a copy of my SSN which I am not comfortable doing and mailing my police report to them stating what inquires were fraudulent. I have filed a police report, and I have a case number. I will not Fax or send in the mail a copy of my SSN. Theres not a single person who works in finance that would recommend anybody do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX are not mines I never filled any application out or gave anybody my information to do so Also inquiries XXXX XXXX XXXX XXXX XXXX XXXX I never filled out any app or gave them permission to pull my information I never applied for anything with them
Product: Money transfer, virtual currency, or money service

Issue Paypal withholding refund by seller asked for this to be loaded like prior refunds over 10 years using this service issue 1 not resolved and asked for private details out of line with consumer rights to sign up issue 2 asked for bank details and that is already submitted to them - further notice for them to release money - granted to them this is criminal outlined in theft of money refunds or transfers to consumers - buyers issue 3 seller has notified the refund was supplied over within two months ago issue 4 all calls and emails are returned in failed sending to the company issue 5 all prior refunds hit the bank eg {$41.00} but over {$200.00} they are asking for transfer and or ID online - Federal governments are in compliance and this PAYPAL maybe subjected to fraudulent ongoing activities ... 
CUSTOMERS - BUYERS and perhaps sellers - BE careful I will be finding other services to get to the bottom of this theft of my hard earned money!
Product: Credit card

We applied online through Chase Slate for a " full '' balance transfer. We wanted to transfer our XXXX XXXX balance of {$45000.00} with a higher interest rate to Chase Slate. We got a letter in the mail saying that we were approved for {$3400.00}. At this time I called Chase Slate and said if you ca n't transfer the full amount of $ XXXX then I do n't want any transfer. They ignored that request and opened up the credit card account anyway, transferred {$3400.00} to XXXX XXXX and sent us a bill with a balance due of {$3400.00}. When we called them and asked them why they did this they did not have an answer. They said sorry. Completely unacceptable. We wanted only XXXX credit card with XXXX balance at the lowest interest rate we could get. If Chase Slate was not okay approving us for the full balance transfer that is fine. They should have stopped the process and let us know. At which point we would have said thank you very much we do n't want your credit card at all. Instead they just opened up an account for us with a balance that was not requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is still not correct! With all 3 credit bureaus! Yes XXXX  and Experian added my name in full but did not add XXXX As a suffix. My first name is XXXX Middle is XXXX Last or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX XXXX line of credit is only showing up on XXXX XXXX not on XXXX or Experian. XXXX store credit card is only showing up on Experian. Not on XXXX or XXXX XXXX. Also your companies blocked my auto loan from XXXX XXXX XXXX. XXXX XXXX was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. Experian take off discover card inquiries for the last time still on here.
Product: Checking or savings account

I would like to start by stating I am home bound and unable to leave my home. I opened an account with Wells Fargo online. I received the debit card but never received the pin. I lost online access and based on their system I need the debit card pin to regain online access. I called on 4 seperate occassions about getting a debit card pin sent to me. Each time I was told a pin was sent and resent to me please allow 7 business days for delivery. I waited patiently and it never showed up. Finally on the 5th phone call I was told I needed to confirm a pin sent to my cell phone but the system would not allow the pin to be sent at the time. I called two more times and eah time informed the system is down. Meanwhile U dont have the access I need to my money. Not to mention after telling them each and everytime I was home bound and couldnt go into the branch I was repeatedly told I need to make a way to get there. Wells Fargo is insentive to customers with problems. Finally I decided to close the account and was told the system would not allow it to be closed. Today I was finally transferred to the executive office and instructed the account cant be closed and they cant send me a cashiers check and try to coordinate something with a local branch. Mind you I am homebound. This has been an ongoing situation for at least 8 months and meanwhile fees and being deducted from this account each month for non activity. I was contacted by Wells Fargo following my recent complaint and told to send a letter which I did and those account is still not closed. Meanwhile every month account fees are being deducted.
Product: Credit reporting

I made requesting to removal due to following both public records has been reporting in my credit file since XXXX XXXX item were reported by vanguard mgmt company since XXXX XXXX. Than it went court matter and paid in XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 9.5 years XXXX item were reported by XXXX XXXX copany since XXXX XXXX. Than it went court matter and paid in XXXX XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 10 years XXXX attached letter of disputes and their vague response and playing with credit since last 9 to 10 years Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Product: Credit reporting or other personal consumer reports

Equifax is not accurately updating my score. They are providing false information that is almost XXXX points less than the correct score. 
I went to XXXX XXXX XXXX to open an account in XXXX they reported a low score of XXXX. I have disputed and removed numerous inquires and accounts this year. 

I requested a copy of my credit report and they suddenly lowered my score again without any notifications or reasoning explaining why. 

Equifax refuses to update my information correctly and I have children and a life I have to maintain. They are jealous and a negative entity that is now causing poverty in my life : I need an accurate score so I can always have housing and transportation.