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

Experian is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company. I have disputed this account with Experian on XXXX, XXXX, XXXX, and XXXX of 2021. They asked me to dispute the information with the furnisher in XXXX of 2021 and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. I have also contacted the clerk of courts on XX/XX/2021 and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Experian to please provide documentation of this account that they are erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Experian take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Experian is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Experian duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

XXXX XXXX Account # ending XXXX XXXX Account # XXXX Conns Account # XXXX
Product: Prepaid card

I filed a dispute for unauthorized transactions due to theft and fraud. I wrote a letter requesting provisional credit while an investigation be conducted, and I submitted a police report. I checked my account today and seen Netspend made an update in which they denied the claim with no credit given. My funds per my contract said I would be insured if reported in a timely manner. There is no way an investigation could be completed this fast, with no proof of an investigation.
Product: Mortgage

Hello, My name is XXXX XXXX and I am writing in regards to recent change in my Escrow right away after my lender XXXX XXXX XXXX sold my Mortgage to Lakeview Loan Servicing LLC. My loan is a fixed rate mortgage. The home was purchased through XXXX XXXX XXXX XXXX with Settlement Date of XX/XX/2018. They recently sold my Mortgage to XXXX XXXX XXXX and my first payment was due XX/XX/XXXX. Before this sale of mortgage to Lakeview From XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of agreed Settlement to XXXX XXXX XXXX even though XXXX XXXX States they purchased Mortgage on XX/XX/XXXX. During the time After settlement up until XX/XX/XXXX my mortgage remained the agreed cost. Suddenly, after paying my XX/XX/XXXX mortgage ( which I paid early to the new lender Lakeview ) I was informed my Mortgage payment was being increased due to incorrect calculation of the Escrow. I have not even had the house for a full year. The inspection of the home was performed a week before settlement. All figures we're calculated at that time. A month later the Mortgage Company XXXX XXXX came to the home and reinspection of the home was performed by them and the amount of insurance cost remained the same no changes. The county and State taxes have not increased since the purchase of my home on XX/XX/2018. I have no way of finding out how this new lender has come up with these figure. I have contacted both XXXX XXXX XXXX to try to find out and they don't understand why this has happened either. I would like this to be investigated further. I believe that Lakeview Loan Servicing is performing fraud against it's customer by purchasing their loans then increasing their payments and claiming it is a result of under charging in Escrow. I have provided the following documents to be researched.

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

On XX/XX/XXXX I submitted a complaint with on XXXX XXXX for an account reporting inaccurate information, from XXXX XXXX in the amount of {$5500.00}, which resulted in the account being removed from my report. I just checked my report today XX/XX/XXXX and found the same account back on my report this goes against my rights of accurate information being reported according to the fcra therefore should be removed and not placed back or the companies involved should be held legally accountable in all ways!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$80.00}
Product: Student loan

First off, I worked very hard to bring my student loans back to a good standing by following through with a repayment plan that got me out of default. I started this plan with XXXX inXX/XX/XXXX and made all of my payments on time. Apparently sometime in XXXX or XXXX XXXX my account was sent to Navient. I was first told by Navient that my payment would continue to be {$17.00} a month which XXXX had previously determined based on my ability to repay with my current income. I was ok with this and agreed to pay the {$17.00}. Fast forward a couple of months to the end of XXXX and Beginning of XX/XX/XXXX I received harassing phone calls and emails from Navient letting me know my payment was past due with a balance over {$500.00}. Shocked, I had no idea why this was so I tried to contact Navient. I was told that I was sent notification that I needed to submit my replacement plan paperwork to figure out what my income based plan would be. I never received that paperwork nor did I ever receive a letter of any kind from Navient. The only contacted me once and that was way back in XXXX XXXX and nothing was said to me about anything I needed to fill out. They gave me no warning when they jumped my payment from {$17.00} to over {$150.00}. I still do not know what my total is a month because I have never received any letter in the mail just threatening collection calls and a threatening email. I understand that Navient is currently in a lawsuit with the CFPB and let me tell you these people at Navient are crooks. I was never informed of my payment change nor was I ever informed that my repayment plan had to be resubmitted despite what they say. I never received any correspondence from Navient related to any reason why my payment would have skyrocketed. Navient are crooks and I will not stop until this issue is fixed nor will I make any payment because it is not a feasible payment. It is about {$130.00} too much a month for me to afford. I will choose food for my family before I pay any money to Navient. This company has and will continue to take advantage of the unfortunate until it is stopped and the CFPB is the only people looking out for the people 's rights.
Product: Consumer Loan

I have an account with Westlake financial ( XXXX ) and they are in the process of attempting to reposes a vehicle which I conveyed in a title loan transaction. The issue that I have is that Westlake has hired a third party agent that has violated the fair debt collection practices act on several occasions. Their agent has engaged in such practices such as conveying information concerning the vehicle make, model and year, parked in the drive way of a private residence for prolonged periods of time ie harassment of a third party and the most egregious act is misrepresentation of their standing or official title. 

The agents have stated om many occasions that they are " investigators '' however when pressed on the matter of holding a " validated investigators license '' of any type the third party agent, XXXX XXXX ( XXXX ) XXXX avoided the direct questions and said call " the number '' which he refused to convey. 
The primary issue of concern is the continued harassment of third parties who are not obligated in any way to this matter and the conveyance of proprietary personal information and false claims concerning their professional standing which is in direct violation of the FDPCAFalse statements. Debt collectors may not lie when they are trying to collect a debt. 
Additionally, sitting in the driveway for extended period of time ( XXXX ) can be construed as an obvious harassment tactic. 
Divulging proprietary information of the nature of the attempted contact specifically the Make, model and year of the vehicle which is an obvious attempt and inference to the status of the loan/account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contain a copy of my credit report and notice inaccurate information. Accounts reporting a wrong balance, balances that is not in subsequence order and is invalid and in violation of the fcra. Bankruptcies that are invalid. I contacted the company on numerous occasions about them reporting inaccurate information, they failed to send me method of verification, the failed to remove the information thats reporting inaccurate from my credit report. As a consumer it is my right to demand method of verification after the credit bureaus steady putting things on my credit report thats invalid, I will contact the XXXX XXXX XXXX as well as filing a lawsuit if the credit bureaus do not delete this negative inaccurate information I demand it to be deleted immediately this is my 4th challenge
Product: Debt collection

I have a XXXX 's XXXX card thru synchrony bank. I paid off the account 26 % interest with checks I receive from another account. XXXX XXXX had closed that account 3 months prior ) my thinking was they were reopening the account due to the fact they sent checks. They did not pay so my XXXX 's account was pass due {$35.00} now due XXXX. I had never been late and always paid more than was due. Then the phone calls started from some overseas XXXX people I could barley understand. They call day and night from XXXX to XXXX pm ever XXXX to XXXX minutes. I have paid their {$35.00} and BEGGED them to stop calling but they still call. I am a senior with severe XXXX XXXX. I have called Synchrony bank and told them all will be paid on the due date like my statement says but they said NO I will continue to get daily calls that is their practice Is their anyone out there that can stop this company!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported a delinquency to the credit bureaus which was incorrect. They wrote a letter to the with the steps they took to remedy, including requesting it be removed from the credit bureaus ( see attached ). XXXX XXXX Partners did what they were supposed to do, but the credit bureaus did not. 

Complaint : The credit bureaus did not update my information as directed by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello How are you doing I was having a problem with PayPal. A consumerfinance complaint was filed and I was talking to PayPal and the paradise was told that I was allowed to withdraw the funds in an account on XX/XX/2018. An email was received by PayPal telling me to allow me to withdraw money from My PayPal Account You have entered my PayPal account to add Visa Card to withdraw the amount from the account but when I enter the card information I receive a message that you can not withdraw the money because the account has restrictions and can not be withdrawn Contact the customer service agent to find out why you told me The employee will be contacting the president 's branch company to find out why she is not On the withdrawal of funds and told them that I want to cancel the email added to my account in order to get money because I work in profit sites from the Internet on a regular basis and this company send me money through PayPal, but you must enter the email in the account of PayPal in order to add money She told me that the president 's branch would be contacted and that a complaint would be made to solve the problem. I was told by a message from PayPal that when I looked at my email I received a message from PayPal telling me that I could not withdraw the money after 180 days. The money back if he wants to ed The funds are illegal in the accounts and did not respect the words that I tell you, and told me in the same number XXXX the case that tells the PayPal that I have been to allow the withdrawal of money These photos about the messages that I received from PayPal have been attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$3300.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$3100.00} XXXX XXXX {$1400.00} XXXX {$530.00} XXXX XXXX {$15.00} XXXX  XXXX {$22.00} XXXX XXXX {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$230.00} ( Original XXXX XXXX XXXX XXXX ) XXXX {$83.00}
Product: Mortgage

I am selling my home and the title company attempted to obtain a payoff from Freedom Mortgage on XX/XX/2020. No response was made with the title company ( XXXX XXXX ) reaching out again on XX/XX/2020 with the 2nd request, twice in that day. On XX/XX/XXXX, Freedom finally responded stating they were unable to move forward with the request because the signature on the auth did not match the name on the loan. ( I had gotten married since buying the house and had a name change, however the loan number and social sec number were correct on the auth ). On XX/XX/2020, XXXX XXXX resubmitted the auth again in the new name. No response from the mortgage company. On XX/XX/XXXX, the XXXX XXXX reached out again for the request stating that the closing date was set and we needed the payoff info ASAP. No response from Freedom. The title company AGAIN reached out on XX/XX/XXXX asking for a status as the closing was set for XX/XX/XXXX. Still no response. On XX/XX/XXXX, XXXX reached out to me asking if I would personally call to attempt to get the information. XXXX also called Freedom Mortgage and was told they have no other requests in their system other than when I called to personally ask for the information myself on XX/XX/XXXX. There is a documentation trail of all these requests and dates with Freedom not complying with the request. Freedom informed me that they have " 7-10 days '' to respond to anything and they are saying they will NOT give me the information until Friday XX/XX/XXXX which is 72 additional hours from when I called myself for the info. Due to the fact they are unwilling to budge on providing the information sooner, this has delayed 3 closings that were to happen concurrently. Despite asking for a supervisor, which I was never given access to, they refuse to give the information until mid-day Friday  XX/XX/XXXX although the first attempt was made XX/XX/XXXX with little communication on Freedom Mortgage 's part through this entire process. This has caused a huge inconvenience for many people involved that should have not occurred due to their untimely responses and refusal to provide the information that was asked 18 days prior.
Product: Credit reporting or other personal consumer reports

Hard Inquiries on report dont recognize, ..Not attached to any open accounts ... And I Didn't approve of..company ran without consent /permission.have my information..Ive got credit alerts added on file current XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian stated in writing that the following collection item was verified : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX for the amount of {$1500.00}. 

I was sent a collection letter by XXXX XXXX XXXX dated XX/XX/2019 on the behalf oXXXX XXXX XXXX demanding payment of {$1500.00} ( see attached ). I responded to XXXX XXXX XXXX by requesting validation of the debt ( see attached ) and sent my response to all listed addresses via certified mail ( see attached ) as well via fax ( see attached ). 

As of XX/XX/2019 I have received no response to my request for debt validation. 

Also debt collectors are required by the State of Tennessee Board of Commerce and Insurance to have a valid license on file with the state. Tennessee Collection Service Act 62-20-105 ( a ) reads " No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law. '' According to your website ( XXXX XXXX XXXX  ) during the initial dispute process Experian should have contacted XXXX XXXX XXXX   about the information disputed, instructed XXXX XXXX XXXX to review my dispute, to verify all information reported, provide Experian a response to my dispute, and update their records and systems accordingly. But without a valid license this means that XXXXXXXX XXXX XXXX is operating as a collections agency in the State of Tennessee illegally and therefore any information provided to Experian by XXXX XXXX XXXX is INVALID. 

Under the FCRA it is illegal for credit reporting agencies to report false/invalid information and therefore it must be REMOVED from my credit report. If you continue to report this on my credit report, I will find it necessary to pursue legal remedies up to including litigation seeking damages. I also fully intend to report XXXX XXXX XXXX to the Tennessee Board of Commerce and Insurance as well as the FTC for its illegal practices.
Product: Credit reporting or other personal consumer reports

I see duplicate accounts on my report or accounts that just have inaccurate information such as last payment amounts or status of the account. In addition, I did receive a letter in the mail that there had been a data breach, which I hadn't been overly concerned about. Nothing stood out, but now I have an address showing up on my credit report and my mortgage that isn't mine and my information seems throw together for almost every account. There's data that like I mentioned isn't very accurate and then no data available for several accounts as well.
Product: Debt collection

I AM DISPUTINGCCS COLLECTIONS {$250.00} ORIGINAL CREDITOR XXXX. AN INSURANCE POLICY XXXX XXXX XXXX XXXX FOR A XXXX XXXX WAS OPEN AS AN IDENTITY FRAUD WITH MY INFO WITH XXXX XXXX. IN XXXX SOMEONE STOLE MY IDENTIY AND PURCHASE WITH XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX. EVERY THING WAS RESULT WITH XXXX XXXX XXXX XXXX AND REMOVED FROM MY CREDIT REPORT BUT I NEVER NEW THEY OPEN AN ISURANCE POLICY WITH THAT CAR.