23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for the improper reporting of several negative items on my credit report. These include accounts from the following entities : XXXX XXXX XXXX ( Account XXXX XXXXXXXX ), XXXX XXXX XXXX ( Account # XXXX )XXXX XXXX XXXX XXXXXXXX  ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Accounts # XXXX and # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX )XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX and # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXXXXXX XXXX Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Accounts # XXXX, # XXXX, and # XXXX ), XXXX XXXX XXXX Account # XXXX ), and XXXX XXXX XXXX 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681 et seq., to dispute the accuracy and completeness of these items. Under FCRA Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate or unverifiable information, and Experian, as a credit reporting agency, has a duty to conduct a reasonable investigation within 30 days of receipt of a dispute.

Experian has failed to meet its obligations under the FCRA in the following ways : Failure to Verify Accuracy : Experian is reporting these accounts without providing verifiable evidence of their validity. Under FCRA Section 611 ( a ) ( 5 ) ( A ), if an item can not be verified, the credit reporting agency must promptly delete or correct the information.

Lack of Reasonable Investigation : Under FCRA Section 607 ( b ), Experian is required to maintain maximum possible accuracy in the information it reports. Several of these items are outdated, unverifiable, or inconsistent with my records, indicating a failure to conduct reasonable investigations.

Failure to Notify Furnishers : FCRA Section 623 ( a ) ( 1 ) ( B ) requires credit reporting agencies to notify furnishers of information when a dispute is raised. I have no evidence that Experian has properly notified these furnishers or ensured compliance with the law.

Experians failure to comply with its obligations under the FCRA constitutes a direct violation of consumer protection laws. Should Experian fail to resolve these inaccuracies or continue to report unverifiable information, I reserve the right to escalate this matter by filing additional complaints with the Federal Trade Commission and state regulators, as well as initiating legal action under FCRA Sections 616 and 617, which provide for statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance. As a consumer, I have the right to fair and accurat
e credit reporting. Experians practices have caused significant harm to my credit profile and financial standing. I respectfully request that the CFPB ensure compliance with the FCRA and hold Experian accountable for maintaining accurate and verified information. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time, including now. 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate
Product: Debt collection

I have a debt on my credit report who I do not recognize. I received some phone calls for a collection agency treated me of jail and legal action against me and my family. I want this company to stop harassing me and stop calling me I am on the do not call list they even call my cellphone number.
Product: Mortgage

Seterus inc. my mortgage servicer has taken payments from me over the phone then sends letters saying my account is suspended and the money was put into a suspense account. They have tried to charge me with incorrect fees such as property inspection, that are only allowed if im in default. I would n't be in default if they properly applied payments they have taken from me and put in suspense.When I call I tell them and tell them I want to make my regular monthly payment and dispute the charges they agree and take my payment, then later they send me the letter saying I am in default because the money they took from me is in a suspense account.Meanwhile they keep adding fees including a lock change fee which never happened, they refuse to send me a complete intemized list of the fees. I have ample resources to pay they just wont apply any money taken to my account, they also report me to the credit bureau companys .All I want to do is pay my mortgage they insist I must pay these fees with no chance to even see what they are. Please help me I continue to fall farther behind every day Thank You
Product: Credit reporting or other personal consumer reports

XXXX and experian are reporting fraudulent accounts on my credit file which are not supposed to be there. I never had any dealings with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$630.00}
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, 2021. Honda Sales Consultant at XXXX, OH : XXXX XXXX input wrong SSN # of client in 'Honda 's " bank system. 
My credit score was dramatically down of his error.

But contract was signed with correct SSN # at the same date.
Product: Debt collection

Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement XX/XX/XXXX and paid XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.
Product: Debt collection

XXXX XXXX XXXX contacted me about a Debt with a company called XXXX, i've requested a copuy of the original contract, wet ink signature of the original creditor or company, and the Agreement with the last date of payment on the account. 

XXXX XXXX XXXX XXXX has sent me an email to my business email, and called my personal number outside of working Hours. 

i do not owe this debt the company ( XXXX  ) did not render the service that was agreed upon therefore i am requesting the XXXX ( XXXX ) to Cease and Desist any collection efforts as this is NOT a verified debt. Remove the debt from my personal credit and removed my information form their data base.
Product: Debt collection

XXXX held a XXXX mortgage on our home, release the lien and sold the debt when the home went into foreclosure by the XXXX mortgage holder. XXXX then sold the debt to Green Tree Financial, which I now know are, aka XXXX XXXX XXXX XXXX XXXX, aka DITECH Financial LLC. 
XXXX and Green Tree were both notified of the bankruptcy filing. Since that time I 've starting getting collection letters from Ditech, which is same parent company. I called and gave them the bankruptcy case number and the lawyers phone number, The ' XXXX '' who would n't give his agent # or other ID, was very nasty in telling me that they could contact me all they wanted by mail unless I sent them a letter telling them not to. I re-explained the bankruptcy filing to him, but he was rude again. 
Now the bankruptcy was discharged on Monday XXXX XXXX, and on Friday the XXXX I received another collection letter.. BUT it 's dated XXXX XXXX Odd that, and the envelope has no postmark date.
Product: Prepaid card

Their app wont allow me to transfer funds to an external bank account and they told me to go get cash from their ATM and take it across town to my bank. Its dangerous to walk around with that amount.
Product: Debt collection

On XX/XX/18 I submitted a complaint to your agency : complaint # XXXX regarding Meridian Financial fraudulently and illegally buying and placing numerous accounts on my credit report with fake dates/ amounts so as to show recent and restart clock. 

The results/theyre response was that they were to contact credit bureau within 5-7 business days to have all accounts they placed removed. 

As of last week, only one of the illegally placed 7 accounts were recently removed. However, they have increased amounts and the following remain on my credit report continuously causing damage to my credit/ Meridian Collections : {$2200.00} XX/XX/2018 {$920.00} XX/XX/2018 {$2100.00} XX/XX/ {$640.00} XX/XX/2018 {$250.00} XX/XX/2018 {$570.00} XX/XX/2018. 

As per results of last complaint : THESE ARE TO BE REMOVED IMMEDIATELY. 

This company illegal activity is ruining my credit and they have not complied with findings of last complaint.

I have waited long enough and I am being denied my legal right to have fraudulent accounts illegally placed on my report removed by this company.

I have sent letters in this regarding referring to said complaint and STILL NO RESPONSE.

This company needs to be sanctioned for its illegal practices effecting peoples lives and showing no regard for the conclusion of the Federal Governments findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken action on the amount of XXXX many time please help remove unaware of this, Stated the date opened was XXXX. I have many hard inquiries I'm unaware of also.
Product: Credit reporting or other personal consumer reports

The company is reporting a charge off XXXX XXXX XXXX XXXXXXXXXXXX just relieved from XXXX they saying its accurate when its not the charge off is reporting as income when it is illegal the XXXX  AND CFPB states that charge off are certificate of indebtness and also XXXX is violating my rights as reporting finances when finances are not to be reported and it should be removed immediately also violating my rights as too the inaccurate reporting causing stress and hardship continuously and also violates FCRA 1681 ( a ) and other federal regulated rules and laws CHARGE OFF ARE XXXX  CERTIFICATE OF INDEBTNESS AND THEREFORE ITS PUBLICATION 4681 thie erroneous Companies has violated the myself with that inaccurate Credit reporting also violates the FCRA AND PRIVACY ACT 1974 CHARGE OFF SHOULD NOT BE REPORTED ON CONSUMER RE P ORT AS MANDATED BY FEDERAL GOVERNMENT the company is XXXX XXXX  XXXX federal and states laws
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. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in XXXX amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

On XX/XX/2019 my mortgage was transferred from XXXX XXXX to Rushmore loan management services LLC. When I received the letter informing me that my account had been transferred I called Rushmore to inquire about making a payment. My new account number was not on the letter that they sent me so I asked them for my account number. They provided me with an account number of XXXX. I made my payment through my online XXXX checking account and it posted to my account on XX/XX/2019. Rushmore has not been able to confirm that they have received my payment. They told me that they made a mistake when they told me my account number and that my account number is actually XXXX. They are saying that I will incur late fees now because they still have not received the payment for XXXX. They are also telling me that this could take weeks to fix. I am concerned because if they do not acknowledge my payment within the next 10 days then they will mark my mortgage as being 30 days late. I need confirmation from Rushmore that they have received my payment and that they have credited the payment to my proper account number for XXXX XXXX XXXX, XXXX, MD XXXX. I need confirmation that I will not incur any late fees because I did in fact pay my mortgage before the XXXX. In the future Rushmore should send an initial statement to transferred loans that has the account number on the statement. I do not know what to do. From my research online Rushmore has a history of poor customer service and I am not confident that they are able or willing to correct this problem before they mark my mortgage is 30 days late.
Product: Credit reporting or other personal consumer reports

for the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time s Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report must be Delete in my cred
it report in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 )
Product: Credit card or prepaid card

I have been in the hospital for 21 days and have been unable to work due to this. I have been extremely ill for 3 months and have been falling behind financially. I was unable to make my payment on time to XXXX, however they were not willing to work with me. It is now showing as late on my credit report which I have worked so hard on trying to fix. I do not want to file bankruptcy if I can help it.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX $ Dep of ed/ nelnet XX/XX/year> XXXX $ Dep of edXXXX nelnet XX/XX/year> XXXX $ dep of edXXXX nelnet XX/XX/year> XXXX $ Dep of ed/ nelnet Did not give my signed consent too give out my personal info
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Mortgage

I have contacted Seterus numerous times about them wrongfully adding an escrow account to my mortgage account, and adding hazard insurance when I actually had homeowners insurance. I faxed proof of insurance to them in XXXX 2015 and XXXX 2015. I spoke to an agent today, XXXX/XXXX/15, who informed me the number I faxed proof of insurance to was incorrect. I used the number provided in the letter saying " send your insurance information to '' the number I sent it to!! She says she does not know where that number came from, and I told her it was on the letter from SETERUS. I have paid multiple payments to satisfy their allegations of my account being delinquent ; however, they take my payments and put them in a suspense account instead. They say they are charging me for insurance, so my payment has increased from the original agreed amount, {$290.00}, to {$410.00}. This company is in the wrong, they are unethical, they are thieves! I am in complete disbelief at how Seterus is still operating!!!!