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

Experian did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. 
Experian continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. 

Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. 

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Product: Debt collection

On XXXX.XXXX.2017, I was notified that Debt Recovery Solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, was reporting that a collection on my report. I immediately contacted the agency that this was not my account. I had disputed and removed this account previously and I am at a loss as to why this is back on my credit report. I requested validation in writing from the company and submitted a disputed verbally. I received one paper that looked like a receipt. I did not receive anything showing that I had been treated, no original documentation with my signature, no account number, or that I had been treated to incur this debt. I also disputed this with XXXX, and was told that the agency had clicked a button stating that it was my account and that was good enough. NO DOCUMENTATION has EVER been provided because I was not seen, this company is reporting fraudulent information and it needs to be removed. I will report this fraudulent action to every government agency I can until practices like these are stopped. Tis company gives other legitimate collection companies a bad name.
Product: Credit card or prepaid card

Direct express/coamerica is where I get my social security benefits and has a contract with the federal government. They are not only completely unprofessional they are operating illegally. I submitted a dispute back in XXXX and followed all the proper procedures as outlined in their online process explanation. One excuse after another they done nothing but push the date up of when the dispute was received by them. Over 90 days later and no resolution to the dispute or no credit has been issued to my card. They have been taking money off my card and no sending the payment to the businesses. This has resulted in me being taken to court by several businesses and facing tons of fines for late fees, disconnect and reconnect fees which quadruples the amount of the dispute. Ive since lost my card and unable to get through to a single person for several months to get the card cancelled and to get the money reimbursed to me. Each time I call I get hung up on and then transferred to the the survey. Also several places have issued me refunds to the card and they have never put a refund back to my card for any of these refunds. I am not able to communicate with this company at all and they have no desire to follow any laws. Im not only requesting them to be responsible for all the charges Ive faced for their unlawful activities Im asking they lose their government contract as they dont know how to follow your policies and companies that break federal laws arent allowed to hold government contracts
Product: Credit reporting

Opened an account with XXXX in XX/XX/XXXX -- they back dated this account to my member service date of XX/XX/XXXX -- this account has been reporting an opening date of XX/XX/XXXX for the past XXXX years -- just recently for no explained reason trans union reported closing this account dated XX/XX/XXXX and opening a new account dated XX/XX/XXXX -- same account! This dropped my credit score XXXX points -- called XXXX and they said it should reflect an opening date of XX/XX/XXXX -- they said i needed to dispute with trans union.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The official street name of my address is ; XXXX XXXX, XXXX I have repeatedly requested Experian to correct my address and they have lied, insulted and refused. Their claims run the gamut from ( 1 ) your creditors gave us that address ( 2 ) The USPS verified that address ( 3 ) we are not allowed by law to change your address. 

I have lived at this address for five years : XXXX XXXX XXXX, XXXX XXXX, GA XXXX But Experian says my street name is : XXXX XXXX, XXXX I have called and talked to multiple people the last person ( XXXX, supervisor in XXXX XXXX ) was discounting, XXXX and insulting. We experienced multiple language challenges. XXXX tried to explain to me how the USPS works -- I have live in the United States all my life. Experian has the most uninformed representatives that do not take feedback and show total disregard for their US customers. 

I have spoken to and written to the USPS and they have my street name listed just the way I do " XXXX XXXX, XXXX ''. I have reviewed my creditors and none of them have the incorrect version that Experian has refused to correct. 

Experian has consistently underreported my information, incorrectly reported and not take care to be an ethical corporate citizen. I have had to put a freeze on my account just to protect myself from being impacted by Experian 's sloppy handling of my information. 

I have asked to have XXXX XXXX manager, Mr. XXXX, contact me however, I have not heard from him. The Experian representatives are unwilling to work for the consumer and therefore will argue incessantly to keep wrong information. 

Please help me resolve what should have been an easy resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report that it has showing is supposed to be judicate it withheld and it's only showing up for their system but no other system
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase asked to put account in billing error for {$13000.00}. According to 12 CFR 1026.13 I should not see any adverse reaction such as requesting a payment while a billing error dispute is active, adverse credit reporting, acceleration of debt, and restriction of account in any form. If any of these actions or any action according to 12 CFR 1026.13 happen I will sue in Federal Court, reported to the SEC for securities fraud, and report to all administrative enforcement under 15 U.S. Code 1607. I wrote them a letter on the 12/15/22 about putting my account in a billing error. Chase cancel my credit card for putting in a billing error. They're breaking the law of 12 CFR 1026.13. I should not have seen any adverse action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issue with my credit file reflecting inaccurate information. I am Self Employed I do not work for the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX   Please delete these from my file they are not accurate. My name is spelled XXXX XXXX. XXXX please delete any other names they are not mine. I do not live in Florida and the following addresses are not accurate please delete them : XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX, XXXX, FL XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, FL XXXX The following numbers are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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: Credit reporting or other personal consumer reports

Starting in XX/XX/year>, I contacted XXXX regarding inaccurate information on my credit report in order to dispute the XXXX XXXX account that is on my credit. I have sent XXXX XXXX letters proving that the information is inaccurate and different than what Equifax and XXXX are reporting. All they have done is respond with letters stating that they don't believe I am the person submitting the information. I am now requesting the account to be permanently removed from my credit report as the dates, the date of last payment, balances and account number are all inaccurate and they do not match what XXXX has sent me or what the other credit bureaus are reporting.
Product: Debt collection

I didnt know that the credit card company had put the account in collections until it showed up on my credit report. I later received a letter from Midland collections agency about the debt that they took over from XXXX XXXX XXXX  of XXXX. In the debt letter it stated that the debt was from XXXX XXXX and the only option it gave was to pay the debt. The information on the account details were inaccurate because the XXXX XXXXXXXX account has been closed for over 5 years. In the letter the charge off date was XX/XX/2020. Midland credit should not have been able to start collections on the account because the account is barred by the statute of limitations for North Carolina. Midland credit also did not acknowledge in any of the letters I received from them that I could dispute the debt. I have disputed this collections account since it was put on my credit report and it has not been removed. I asked for verification of the debt and have yet to receive it. Midland credit also increased the balance owed to XXXX which caused my credit score to drop even more because of this unlawful collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off to Experian on XXXX XXXX XXXX. I told Experian to do a full Investigation on the accounts I have listed below. I have also attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX I haven't received a response letter. I ask Experian to FULLY INVESTIGATE, and I also ask them to tell me the METHOD OF VERIFICATION of the Investigation, as well as I asked for a updated copy of my credit report. In which I never received. In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also as i was reading the FCRA and noticed they violated these laws as well 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) They stated that these account were verified but how is it possible if they didn't do a proper investigation according to the law. FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Student loan

I submitted a payment of {$440.00} to Navient on XX/XX/18. Despite having debited my checking account for the payment, Navient 's systems are not reflecting this payment.
Product: Debt collection

Threatened that I would be sued or was being sued by HSBC. This caller ( with a masked caller ID XXXX stated that '' he did n't want to have to notify XXXX named my employer ) with this '' XXXX take it to them XXXX but had to speak to me TODAY. I researched and found that HSBC might mean any number of companies of credit. I have had no contact with any of those companies in more than XXXX years IF at ALL. I firmly believe that this company is pursuing debts that exceed the statute of limitations and are trying to use bullying tactics to do such. I did contact a financial attorney today and informed him of the issue and the recording I have of the gentleman threatening to contact my employer about a debt I do not owe.
Product: Mortgage

I took out a HELOC in XXXX with XXXX and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX  ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX  as well as the paid-in full letter from XXXX lien dept . However, they never released the lien. 

XXXX XXXX was a savings and loan association that was based in XXXX, California. The company was acquired by XXXX XXXX in XXXX, which in turn was acquired by Wells Fargo in XXXX. 

Following the acquisition by XXXX and later Wells Fargo, the XXXX XXXX branches in XXXX XXXX and other locations were rebranded as Wells Fargo branches. Today, Wells Fargo operates hundreds of branches in Texas, including several in the XXXX XXXX area. 

I need Wells Fargo to provide us with the proof of payment/lien release .
Product: Credit reporting or other personal consumer reports

I have identified information on my report that is a result of identity theft. These accounts addresses and inquiries do not belong to me : Account : XXXX XXXX XXXX XXXX # XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Inquiries : 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 XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX in the amount of XXXX dollars owed to heights finance I have asked on multiple occasions for later pay date when I actually be to able to make payments of XXXX the date that was given to company but yet Im constantly seeing that my credit score has fallen after I have made 5 other payments. 

XXXX XXXX XX/XX/XXXX the amount of XXXX I have requested a pay off date when I can actually pay in full the declined as they interest will go up daily after the fact I have been trying to work things out to get it paid and was noted in the contract XXXX XXXX XXXX IN THE amount of XXXX financed vehicle XXXX XXXX XXXX I have been making on time payments yet make credit score has not been boosted for making the payments on time they told me it will when I first purchased back in XX/XX/XXXX yet my credit has not been moved at all as theyre not reporting to the bureaus I suppose
Product: Debt collection

Citi repeatedly calls multiple times a day for collection on XXXX cards. Today alone they have called 3 times between XXXX and XXXX. They called 6 times Friday XX/XX/XXXX 8 times Thursday XX/XX/XXXX It 's been going on like this for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CR UN reported with XXXX and alleged to be Late1-2 Alleged is reported in deficiency of reporting mandates and or principals therefore the obfuscation must be eradicated as is my not illicitly requested resolution, please do so HERE AND NOW! This claim has lauded ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : Incidentally, the item questioned above, Data Reporter Identification Number reported as Not Reporting for XXXX, XXXX for XXXX XXXX, and as Not Reporting for XXXX are one, two, or each in potential deviation ( XXXX ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of Data fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more ostensibly deficient of its exigency of reporting predilection! With respect to item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, XXXX XXXX XXXX for XXXX XXXXXXXX XXXX, and as Not Reporting for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 
Bearing attention to the item questioned above, Creditor Type : reported as Credit Card - Credit Union for XXXX, XXXX XXXX for XXXX XXXX, and as XXXX Credit Card XXXX for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and Page XXXX of XXXX purposes deficient of its exigency of reporting Appropriateness!