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

Being downloaded is a Debt Validation Letter to Experian pursuant to 15 U.s. Code 1692g - Validation of debts, and 1006.34 Notice for validation of debts. 

I am requesting Debt Verification from Experian in their investigation results from [ XXXX XXXX XXXX XXXX ], I have a right to request all records, pertaining to the sealed eviction record, that is sealed from general public, I want documentation to show how they came up with the " Debt being verified as Accurate ''. I want the documentation they requested from the company to know what is being submitted to Experian, and I want documentation regarding how Experian investigated, and what evidence they obtained to verify the debt is verified as accurate. I do not want incomplete documentation, and I definitely do not want to be ignored, and recieved no response from Experian, I have a right to know what is being reported, all records so that I may review them, and dispute any, and all innacurate information, being submitted to Experian from XXXX XXXX XXXX XXXX in their investigation, I want Experian to send documents from XXXX XXXX XXXX XXXX, pertaining to them being licensed in the state of California as A licensed Debt Collection Agency that Collects on Public Records, Experian needs to provide with this companies License number so that I may be able to investigate to see if they are authorized to collect doing business as a third party collection agency, I want validation, that they are permitted by the courts to release the public record to the general public, to include credit reporting, after the ( record was sealed from the general public ) .meaning it is prohibited from appearing on my credit report. ( 2 ) I want Experian to verify the case number that is on the documents submitted to exclude any fictitious fake account numbers that XXXX XXXX XXXX XXXX tries to give them to verify it is a valid collection, I want Experian to verify and list in their paperwork submitted to me the original Case number XXXX, I want to know why Experian deleted the public record, and re-inserted the sealed record back on to my credit report, when Experian no longer reports public records, or judgments, I want an explanation as to why it has been re-inserted a total of 20 ( X 's ) after deleting it 20 ( X 's ) exceeding the re-insertion limit, Experian has a total of ( 30 ) days from the date they receive this it
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has no respect for the laws. They claim they verified an account and per Metro 2 standards for accuracy they clearly did not investigate this account. The account reporting as XXXX XXXX is reporting late payments in XXXX and XXXX of 2022 however there is no payment history for those dates. I informed EXPERIAN I have never been late on this account. EXPERIAN needs to update the payment history for all dates as paid as ageeed or delete this account immediately due to inaccurate and incomplete reporting.
Product: Debt collection

3rd party collector threatened me and collected on a debt i did not have with them while i was under duress
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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: Credit reporting or other personal consumer reports

**Issue : ** Despite clear evidence of violations provided, Experian has chosen not to remove the debt, even though there have been no changes to report. 

**Experian Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : EX-V1 ) : ** Experian failed to conduct a reasonable reinvestigation within the mandated timeframe, as evidenced by inadequate documentation from XXXX XXXX XXXX XXXX This violates FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, XXXX XXXX. 

2. **Delay in Responding ( Code : EX-V2 ) : ** Experian did not respond within a reasonable period despite my letter dated XX/XX/2024, violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, XXXX  XXXX. 

XXXX XXXX XXXX Violations : ** 1. **Failure to Provide Comprehensive Verification ( Code : XXXX ) : ** Medical Merchants Credit 's documentation inadequately ties the debt to me, violating FCRA Section 611 ( a ) ( 1 ) ( B ) and Metro 2 standard , XXXX XXXXXXXX. 

2. **Neglecting to Address Dispute ( Code : XXXX ) : ** XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard XXXX 

3. **Shifting Burden of Proof to Consumer ( Code : XXXX ) : ** XXXX XXXX XXXX inappropriately shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart .
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify XXXX  and Experian of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous times the official document to prove my residency! I have not resided at XXXX XXXX XXXX XXXX, XXXX, ohio XXXX. There is 8 accounts on my experian that is attached to that address. Official proof of residency documents can be : Current official document with your name and address This information can come from a number of documents, but is necessary to proving where you live. A utility bill, credit card statement, lease agreement or mortgage statement will all work to prove residency. I have sent in XXXX XXXX file showing that address is not on my file. XXXX XXXX XXXX XXXX, XXXX, ohio XXXX has been deleted from XXXX XXXX for over a year. I sent experian that information a long time ago. I have sent in my passport, credit card statements, social security card, police report, and ftc affidavit and experian refuse to remove this erroneous address and the accounts that is connected with that address. The accounts connected to that address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and fingerhut. Experian " verify '' was a LIE! The information was not verified! E-oscar is not verifying with the original creditor! I have reached out to legal assistance. I will be sending a copy of this complaint to the CEO of experian ( XXXX XXXX ). A consumer definitely should not have to go through this ridiculous measure when information is mixed up with another consumer. Punitive damages will be sought if this is not resolved asap! experian has all the documentation that I have sent prior to this complaint! do not send me another pre-made generated letter stating the erroneous accounts is verified!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX one account is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX  XXXX  ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release my report
Product: Debt collection

I am in bankruptcy chapter XXXX. Third party company continues to call after I have informed them I am in Bankruptcy XXXX. Told me today they were calling XXXX, Police and others to be at my home shortly. I left work to go home. The numbers calling from are:XXXX andXXXX
Product: Credit reporting or other personal consumer reports

I opened an account with Experian to check my credit score. There was a free basic trial, which I opted into. Then cancelled after receiving quite a number of emails I simply did not want. Now I am trying to close my account, I do not need my credit score from Experian. However, it is simply IMPOSSIBLE to close it. I've tried everywhere logged into the website, there is simply no option to close/delete my account. I do not want Experian to have my data anymore and with that sell it. I've called multiple times and just can not get through the menu options, all of them end up with their robot stating that I can do it on experian.com. I've mentioned I want to speak to someone, they will just loop me back into the regular menu where there are no options to close my account. My biggest concern is that this company has all my information, including social security number and I do not believe it is secure in their hands. I no longer want them to have access to my information and they are making it impossible for me to have any authority over it.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX Balance : {$8300.00} XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX Balance : {$680.00}
Product: Checking or savings account

I am writing to file a complaint against navy. Federal credit Union regarding multiple overdraft fees. I have andcurred the spy having sufficient funds when transactions were authorized. I was charged fees due to legs, posting authorities and credits. This issue aligns with the recent CFP b findings against Navy Federal for similar practices. While transactions settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Im not sure why this is on my credit report when Ive had full XXXX for over 10 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not providing me with substantial proof of validation that they claim they've received. In light of recent investigations brought upon the credit agencies, namely EQUIFAX, XXXX AND XXXX I find that my consumer file is being irresponsibly tampered with. Over the past six months I have made several attempts to remind EQUIFAX, XXXX AND XXXX of their duty pursuant 15 USC 1681. 15 USC 1681 a ( 1 ) states the banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. It appears they are intentionally and willfully being neglectful in remedying my affairs while impairing the efficiency of the banking system. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigation, all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. Pacific concrete F.C.U. V. Kaunanoe Is clear case law that states A copy of a consumer credit contract is not sufficient to validate a debt. '' I never gave consent to ANY of the credit reporting agencies to furnish my private data AND per EQUIFAX privacy policy, I was not given full disclosure of my rights to opt out.
Product: Debt collection

When calling Credit Acceptance they say the account is no longer with them and is with XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX say they are legal representation for Credit Acceptance. I am trying to make payments to the car loan but payments can not be made to them by phone or online. I made a recent payment by phone with XXXXXXXX XXXX XXXX for Credit Acceptance but the payment says it went to XXXXXXXX XXXX XXXXXXXX and I have no account with them and Credit Acceptance refuses any communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed the accuracy of account XXXX XXXX DEALER SERVICES # XXXX with TRANSUNION due to inaccurate information. TRANSUNION stated they conducted an investigation and verified the account yet failed to add the " Account Disputed by Consumer '' under the " Remarks '' which is a violation of the FCRA. Please see attached document. This is grounds for the removal of this account from my consumer 's credit report. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are not reported accurately, the consumer reporting agencies shall promptly delete the account from the consumer 's credit file.
Product: Debt collection

I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was scammed by XXXX different groups, XXXX XXXX and XXXX, which continued until XXXX. Unfortunately, I lost a total of {>= $1,000,000}. Additionally, I was further scammed out of approximately {$10000.00} by fake recovery agents before realizing they were also fraudulent. 

Here are the details of the transactions : XXXX XXXX : Funds were wire transferred from my bank to the XXXX XXXX, converted to XXXX, and then transferred to XXXX and subsequently to the app 's wallet. 
XXXX Address : XXXX Website : XXXX XXXX XXXX XXXX : Funds were wire transferred from my bank to the XXXX XXXX converted to XXXX, and then sent to the XXXX XXXX. 
Bitcoin Address : XXXX XXXX XXXX XXXX XXXX XXXX  The scammers initially contacted me through an advertisement on XXXX. I began trading with them and gradually invested more money into their platform. After a month, they froze my savings and refused to allow any withdrawals. This situation has left me financially burdened with loans and in significant debt.
Product: Credit card or prepaid card

I was behind on payments being made to a Wells Fargo credit card account. I set up some type of payment arrangement with them but I could never see if I was caught up on making these payments as the new payment arrangement never showed up in the account and still told me I was past due. Furthermore they continued to report the amount as being past due the same amount even though I had been making payments. I had letters sent to me in the mean time saying I could not receive any more relief at the same time furthering my confusion on what was actually happening with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : Original Creditor 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 XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notice my credit report showing late payments in which I never miss a payment on the folling account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Bank charged me overdraft fees despite the fact that the account was not overdrawn.
Product: Credit reporting or other personal consumer reports

This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be Source Receivables Management stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been unable to lift a security freeze either through the website, telephone or representative. Each time I try they tell me they can not help me or they do not believe my identity. I have tried to resolve this numerous times. 

When I go online, they say the site is down temporarily. Please see the attached. 

When I call the automated system they give a vast array of options to choose from to confirm my identify, and they consistently say I " failed '' the identity check. 

When I call a representative, they go through the same array of questions. They say I answered one question wrong and will not lift the security freeze. They then tell me I must MAIL a letter asking to lift the freeze along with two forms of identification. I NEVER hear back from them. I always have to deal with an international who has a barely passable understanding of the English language ; why don't they have stateside reps? 

THIS IS UNTENABLE. They allow my identity to be stolen and then they won't allow me access to MY credit report. 

Please help me in dealing with this situation once and for all.
Product: Credit card

I ordered a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX in XXXXXXXX TN ON  XX/XX/year>. I did this with my Citizen credit card. I got an alert from Citizens fraud department to call them about the XXXX charge. They asked me did I purchase something for this amount. I said yes is there a problem with this seller. They said no just confirming the amount. I asked the seller for the tracking # and shipping company XXXX  days later no response. Then he replied that he had to go to the hospital for XXXX and would send me the tracking number. Another XXXX days went by no tracking number. I emailed him XXXX more times before contacting Citizens. I told Citizens the problem and there said they would investigate it. Weeks went by no call or letter from Citizen so I called them again and sent emails to there disputes department but emails were sent back and no received. I called them again and they said I cant call the fraud department they must call me which they never did. They called me in XXXX and said they would credit me back the charge but on XXXX XX/XX/year> they said they will the me the again because the seller showed them proof of shipping. I said please send it to me because the seller never gave me a tracking number and you have not given me any proof of shipping and delivery. Thanks XXXX XXXX
Product: Mortgage

I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. 
I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.