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

Contacted Experian directly and through their dispute process. Provided proof that account was paid in full. They have not updated or removed the incorrect information showing collection. This is negatively impacting my credit. Why does experian not have any liability in posting incorrect information? They require the consumer to jump through multiple steps again and agin, but will complete an investigation in less than 24hrs. There is NO way they could receive anything from a creditor, review it and/or compare it to the information provided by the consumer. 
Creditor - XXXX XXXX, XXXX XXXX 2019. They show payment was made but the amount is incorrect. It was paid off.Also, its posted 2x ( same account # ) on my credit report with different amounts which even furthers my claim that its incorrect.
Product: Debt collection

Hi, To whom this may concern, I have contacted the Medical Data Systems at numerous attempts. First attempt was XX/XX/XXXX via email to ask for Debt Validation. Second attempt was XX/XX/XXXX to inform them that I haven't received a response from the company to verify proof of debt within the 30 day time frame by federal law from the first attempt of reaching out to the company. I have attempted to ask the company for the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The company has failed to provide proof of the debt they are stating that I owe. Unfortunately, I am not obligated to provide payment to any company or agency that can not provide proof of debt or payment they are stating I owe, according to my credit report. When I called the company to confirm the amount listed on my credit report they were discussing amounts that we're never reported and informing me that I have to pay an extra amount in order to close my account, which is violation of the False Claims Act. 

I also contacted both offices via phone ( Florida and Alabama ) to discuss the concerns of my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts has violated my rights. 

15 U.S.C 1681 Section 602 A states have the right to privacy 15 U. s. c Section 604 A Also states a consumer reporting agency can not furnish a account without my written consent or instructions XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, US Dept acct XXXX XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  acct. XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX, and XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Bank XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : The Bank XXXX XXXXXXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 5. Account Name : The Bank XXXX XXXXXXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 6. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 7. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit card or prepaid card

In XXXX of XXXX I decided to check with my wife, XXXX on what she was buying at Walmart that was running our credit card bills so high. I had my XXXX statement out and review each purchase on the Statement with her online orders. We discovered 5 charges that were not made by her, all online orders. I reviewed all the statements we had received since we opened the account in XXXX of XXXX and found fraudulent purchases on every statement totaling {$2200.00}, again, all online orders. 

I called XXXX XXXX, which was the issuer of the Walmart card about these discovered charges. I provided their fraud department with every charge that we found on the statements that were fraudulent and the told me they would investigate and get back to me, and the investigation would take about 90 days. 

The following month in XXXX of XXXX XXXX sells the account to Capital One and new cards were issued. As of today, I had not heard anything about the investigation that XXXX was supposed to be doing so I decided to call. I called the number on my old statements and it directed me to Capital One so I gave them the story about what had happened. I was told that they didnt any record of it and told me that I needed to contact XXXX since it occurred when they owned the account. 

I called XXXX and was told that all the information was transferred to Capital One when they sold the account and they had no records of the fraud claim. So here I am apparently in this black hole, unable to resolve this issue since nobody is taking responsibility for this incident.
Product: Credit reporting or other personal consumer reports

Summary for CFPB Complaint - Experian Account Access Issue Issue Overview Unable to access Experian account and receive adequate customer support. 
Details Account Access Can not log in to Experian account Error message directs to call customer service Customer Support Failures Automated system offers unhelpful login instructions No option to speak with a live representative Attempted Resolutions Tried different web browsers ( XXXX, XXXXXXXX XXXX ) Multiple calls to XXXX Explored alternative support channels Impact Can not access credit information or manage credit profile Requested Resolution Direct human support to resolve account access Clear explanation of the issue and prevention steps Personal Information Name : XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXt has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. The law firm or student debt is listed under Roosen Varchetti & Olivier Ga, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, Ga XXXX. THEY REFUSE TO CLEAR MY NAME. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX  and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX  and Experian. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, XXXX, XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 


Experian, XXXX  and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper AKA IS AT again. After going through several rounds about Escrow. They finally decided to follow the law and do an escrow analysis. It was discovered that I have an escrow surplus. That was recorded on XX/XX/XXXX, I called on XX/XX/XXXX to make an inquiry if the check was actually sent out since it was nearing three weeks. I mentioned this the representative and they offered me a stop payment and reissue of check. I told her please do not that. I then asked her to speak to an Escrow specialist because I had a question. She transferred me I waited for over 45 minutes and no one picked up so I hung up. Later that evening I noticed I had a voice mail. It was a representative calling me to tell me that they placed a stop payment on my check. I called the next day when they opened and found out that this was done and on the same day I received the check, I asked if they could reverse the reversal since it was less than 24 hours. They told me no because a reissue was in progress. I decided to call back to confirm this so the next representative I spoke to said that the check was okay that I had. I asked her to confirm the check that I had was okay so I read the check number to her. She repeated the check number and said it was okay to cash. So I deposited the check into my account only to find out that it was reversed by my bank and my account is severely negative and will incur fees. I called today to only be disrespected by rude representatives and still no clue when I am going to receive this surplus money. 

Please CFPB will you investigate this company. I am a person who has blessed enough to pay their mortgage on time every month I can't even imagine how they are treating people that are not so blessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was speaking to a loan officer from XXXX XXXX XXXX  XXXX, XXXX about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiry appeared on my XXXX XXXX XXXX report. 

I did not give permission to SAN DIEGO COUNTY CREDIT UNION to inquire about my credit. 

I contacted XXXX, XXXX and San Diego County Credit Union to find out who made this inquiry. 

NOT ONE OF THE COMPANIES ABOVE THAT I CONTACTED COULD HELP ME IN FINDING OUT WHO AND WHY THIS INQUIRY WAS MADE!!!!!!! 

Alert Type New Inquiry via XXXX Processed Date XX/XX/2022 Creditor Type Credit Unions Alert Date XXXX Creditor Name SAN DIEGO COUNTY CRED Phone Number ( XXXX ) XXXX Creditor Address XXXX XXXX XXXX , XXXX XXXX , CA, XXXX
Product: Student loan

Hello, I have tried numerous time to get in contact with my private student loan provider. Originally the student loan was with Chase bank, who informed me they sold my student loan to XXXX. I am aware I have defaulted on my loan. I have received no paper statements or bills to warn me that I was nearing default. Chase is stating that they have no record of the student loan and referred me to XXXX. XXXX has informed me that I am not in the system and that they as well have no records of my student loan. The loan default does appear on my credit reports. The last time I called both Chase and XXXX was on XX/XX/XXXX as well as various previous occasions. I am completely unable to track down my student loan info to resolve the default status. Before the loan defaulted I had been in contact with Chase bank ( XX/XX/XXXX ), they would not offer my any payment solutions to help me resolve the past due balance. I had been hospitalized for 45 days and had proper documentation to provide that I was in the middle of an economic hardship due to health reasons. In addition to this, I live in XXXX TX and was affected by the Tax day floods, as well as XXXX XXXX floods and hurricane Harvey, That is to say 3 years consecutive of natural disasters that prevented me from being able to get to work and gain compensation during the time that all major roadways were flooded. At the current moment have not been able to get any information on where or whom carries my student loan, how to resolve the default, any balance info, and have not received any proper documentation. I look forward to hearing your response. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 there were two fraudulent charges on my Credit Karma spend/Save account. One in total of {$1500.00} and one in total of {$2000.00}. I had got an email earlier stating that my phone number and email had changed on my account and I did not change it. I called right away to report that I did not change it. During my phone call with credit karma I saw these two charges made on my account that I did not make. I attempted to have them freeze my account but they shuffle you around to the higher departments and speak broken XXXX. They are not quick enough to handle situations like this. While I reported these fraudulent charges, they were still pending in my account. But they allowed the money to then be dispersed to whoever made the transactions instead of blocking the money. I am now told I will get provisional funds on XX/XX/2024 which is ten business days from the dispute. I have {$440.00} in my credit builder account with them but I am unable to get that money out so that I can have funds for basic daily life needs. I was on the phone with them today for over a half hour and was transferred about 3-4 times to the higher department. I feel as if they shuffle you around to frustrate you so you give up. I can not give up {$3500.00}. I just purchased a house XX/XX/2024 and those funds held my first mortgage payment that is due XX/XX/2024. I also hired painters who I owe {$2000.00} to. I can not pay either of them at the moment. This is a financially devastating nightmare. I am a nurse who works two jobs and I couldnt even buy a cup of coffee the other day on my 16 hour shift. I need answers. I tried to stop this fraud from happening and they failed to protect me. I plan to close this account and go to a local bank once this gets resolved. I would never recommend anyone utilizing this company and trusting them with your business.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit  agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.