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

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

Made a call today XX/XX/year> requesting a settlement due to all the payment so have made on this loan which the balance is now made up of Moseley interest, the representative I spoke with was no help and every time I call to inquire about a settlement Im being told they wont offer one because its better for them to repossess my vehicle, my vehicle is worth way more than I borrowed and I have already paid back most of the balance and now this company is trying to milk money out of my pockets with their extremely high interest rate, this loan was designed to make it difficult for me to pay back since the interest just keeps accruing. Please help me fix this situation as I am tired of dealing with this company and their rude and unprofessional representatives who dont understand the consumer and are simply just trying to make extra money! Please also investigate this business and their business practices which I know for a fact are unethical. My only interest is a settlement offer to be done with this company and nothing else. Every time I report this company they say one thing and then its something else but has yet to work a resolution with me til this day. Im also including a screenshot of the call I made today which the representative didnt listen to anything and immediately insinuated repossessing my vehicle.
Product: Credit card or prepaid card

I opened an American Express XXXX XXXX XXXX credit card in XX/XX/2021, which came with unsolicited e-mails regarding credit card offers and enrollment in their credit monitoring product. In XX/XX/2021, American Express canceled my credit card account, at their discretion, when my authorized user on the account used abusive language on a phone call to American Express customer service. Despite the account being canceled by American Express, and not me, I continued to receive special e-mail offers and e-mails related to their credit monitoring tool, none of which I was able to use because my account had been canceled and closed by American Express for a reason that did not directly involve me personally. There are no " unsubscribe '' links available in the e-mails to stop these unwanted and unsolicited e-mails from being sent to me. I attempted to log-in to my closed account, and because my account was obviously closed and inactive, I was unable to log in and change e-mail preference to state that I did not want to receive any further marketing e-mails from American Express XXXX As you will note in the attached e-mails, these unsolicited and unwanted marketing e-mails were sent AFTER my account was closed by American Express. As a result, I have had absolutely no way to stop receiving these communications, and American Express does not provide any opt-out link in the e-mails themselves. I believe that American Express is using unfair, abusive and deceptive marketing practices in their e-mails to me : they are sending me unwanted and unsolicited communication regarding an account that was closed, and I have no way to remove or unsubscribe myself from their communications. American Express should have policies and procedures in place to ensure that former customers are not sent harassing, deceptive, unfair and abusive marketing e-mails with no way to remove oneself from them. Furthermore, I have tried to resolve the issue of these e-mails with American Express directly, and none of their customer service representatives has any clue who would handle such an issue. In the end, I'm stuck receiving abusive, deceptive, unfair and unsolicited marketing e-mails that may potentially contain the misuse of my personal and confidential information on my closed account. All relevant documentation showing that these communications were received AFTER my account was canceled by American Express are attached to this complaint.
Product: Debt collection

On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX I received an image via text with the following message : FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. 
Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts. 

I also received the following text message : Call us at XXXX or visit us online using reference number XXXX at reminder.fncbinc.com/fncb Reply STOP to stop texts. 


I received these messages on other occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received these messages from the number ( XXXX ) XXXX. On XX/XX/XXXX, I received these messages from ( XXXX ) XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I received a Discover credit card in my mail that I did not apply for. It had my accurate first name and address, but was taken out in my maiden name. I called Discover on XX/XX/2023 and closed the account. On the same day, I also received a letter from USPS indicating that I had requested a change of address, which I never had. I filed an online dispute for this on XX/XX/2023. After this, I put a fraud alert on myself through XXXX. I also filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) A Collection Opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX and XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This complaint is a follow-up to complaint XXXX, whereby it was described how this debt collector ( RCI Billing ) reported a delinquent medical account to credit reporting agencies in XX/XX/2023. The delinquent balance ( s ) of {$1400.00} and {$290.00} were reported to credit reporting agencies between XXXX and XXXX. Each amount was false and inaccurate. I provided documentation showing how my original balance with XXXX XXXX XXXX account was reprocessed and covered by my health insurance plan. 

In RCI Billing 's response to my complaint, it confirms that my current balance is not {$1400.00} or {$290.00}. In fact, RCI Billing confirmed that it had already been informed by XXXX XXXX XXXX in XXXX that the medical account balance was reduced from {$1400.00} to {$40.00}. Still, for several months RCI Billing continued reporting a greater ( incorrect ) medical account balance to credit reporting agencies. Doing so, violates the Fair Credit Reporting Act ( FCRA ). Moreover, it is a violation of the Fair Debt Collection Practices Act ( FDCPA ) to report delinquent medical bills to credit reporting agencies, without first attempting to collect the debt. 

RCI Billing has not ever attempted to collect {$40.00} from me. Therefore, they should not have flagged the account as delinquent or reported the medical bill to credit reporting agencies. Despite its acknowledgments RCI Billing has not offered any path towards resolution. In complaint XXXX, I requested for RCI Billing to remove all references of this medical debt from the credit bureaus. In this complaint, I am also asserting that I have a right to pay a debt before it is reported to a credit bureau. At this point, RCI Billing has not honored that right.
Product: Mortgage

We purchased our home in XX/XX/XXXX. We were not sent a copy of our owners title insurance policy. I called the title insurance company for a copy and was told that she would work with the current title company in every way but never said anything else about me getting a copy. Now she wants to only give an indemnification letter not a copy of the policy. We are trying to refinance and have learned that the liens on the house are still outstanding. Liens to be satisfied at the time of closing. None have been released. The title company that closed on our loan is out of business and she is now working for another company and acts like its not her problem when she has the canceled checks showing where the liens were taken care of, Without a policy number I ca n't even submit a claim and am being stonewalled on all sides, ( the builder got in trouble and vendor liens were placed on the house, We knew this going in and were told it would be no problem. XXXX of the vendors said he did not get paid. Even the attorney of record is not available for me. Said she would not have any papers pertaining to our loan. I also checked out the title company that did the closing and she had not had an active business license in the state of XXXX since XX/XX/XXXX. Yet she closed my loan in XX/XX/XXXX. She now works for another title company as senior underwriter and told me I ca n't be calling her. She says my files are in XXXX and she ca n't get to them and her computer has crashed. 
What recourse do I have available to me? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX can fax you anything you need, I ca n't email at this time. 

Thank you, XXXX
Product: Mortgage

Bank of America has been in the process of foreclosing on my home for 7 years and the previous bank foreclosed on the property XX/XX/XXXX. Bank of America has acknowledged the prior lenders foreclosure as of XX/XX/XXXX. Bank of America has removed the mortgage trade line that has showed lates on my credit for 7 years, however the title to the property is still showing in my name with the XXXX County Assessors office.
Product: Credit reporting

Experian has investigated an account that is in error but has failed to properly correct the account. The account is with CHILD SUPPORT ENFORCEMENT and the Account Number is XXXX .... Previously the account listed a monthly payment of {$2800.00}. Now the account lists a monthly payment of {$1200.00}. Neither are correct. The correct monthly payment is {$0.00}. Experian has failed to properly correct this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of XXXX different accounts with Experian by mail. One of the accounts is still being negatively reported on my Experian credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that Experian investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Experian headquarters. A response from them has been received and it shows that one account was updated not deleted even though Experian was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX XXXX XXXXXXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX Violated the FCRA and Experian was notified about the violation, but did nothing. The main problem with Experian 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against Experian will be filed soon.
Product: Credit reporting or other personal consumer reports

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Product: Debt collection

I paid debt to XXXX XXXX XXXX through a settlement with their lawyer in 2015. Now XXXX XXXX is using a different lawyer who says that settlement in 2015 is null and void and I have to pay again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there are 3 student loans reporting in my credit reports that I never opened. I never applied for student loans, I never even went to college. I have contacted XXXX, XXXX, and Transunion to request the removal of these accounts but, they came back verified by Dept of Education. I contacted the US Department of Education and requested documentation with my signature, proving that I applied for these accounts but, I never received a response. These 3 accounts reporting in my credit reports do not belong to me!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Self.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to me.
Product: Debt collection

My number as been associated with another party that ARS ( ARS National Services ) is attempting to collect or clarify a debt obligation.

I have responded in person on a number of occasions to a number of the 50+ messages left on my cellular voice mail morning, day and evening. I have requested my number be removed from their records. I have been unsuccessful in stopping the harassment and would like the CFPB to step in and help.

I want ARS to honor my request to cease and desist contacting me for debt obligations that are unrelated to me and hope my issue helps others that are facing the same problems.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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: Student loan

Mohela does not allow automatic payments ( i.e. of interest incurred ) during deferment stage of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two discrepancies on my TransUnion report through XXXX XXXX on XX/XX/2021. I went to the TransUnion site to verify because I never received a written notice from TransUnion concerning these collection accounts. Once I logged in the TransUnion website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, one free report per year. TransUnion did not provide any options for a free report. These two collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every 3 months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the TransUnion site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with TransUnion.
Product: Credit reporting or other personal consumer reports

Requested incorrect information late payments be corrected and removed several times Company has not complied or provided any documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.