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

Subject : Experians Refusal to Block Fraudulent Information Despite Providing Valid Identity Theft Documentation Dear CFPB Representative, I am filing a new complaint against Experian due to their continued refusal to comply with FCRA XXXX and their failure to remove fraudulent accounts and inquiries from my credit report, despite receiving legally valid documentation proving I am a victim of identity theft. 
XXXX XXXX with Experians Conduct : 1. Refusal to Block Fraudulent Accounts and Inquiries ( FCRA 605B Violation ) * Experian has denied my FTC Identity Theft Report and police report without valid reason.

* They continue to report fraudulent accounts and inquiries on my credit report in direct violation of FCRA 605B.

2. Failure to Provide Proof of Verification for Disputed Accounts ( FCRA 611 ( a ) ( 7 ) ) * Experian claims that certain disputed accounts were " verified '' by the data furnishers, but they have not provided documentation proving this verification.

* Under FCRA 611 ( a ) ( 7 ), I am entitled to request Experians " method of verification. '' * If they can not produce this documentation, the accounts must be deleted immediately.

3. Unlawful Reinsertion of Previously Deleted Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) * Some fraudulent accounts that were previously removed have been reinserted without proper notification.

* This reinsertion violates FCRA 611 ( a ) ( 5 ) ( B ), which mandates that credit bureaus must : * Provide a written notice within 5 business days informing me of the reinsertion.

* Ensure that the furnisher has certified the accuracy of the information.

* Experian failed to follow these legal requirements.

4. Failure to Remove Unauthorized Inquiries ( FCRA 1681b Violation ) * Multiple unauthorized hard inquiries remain on my credit report despite providing proof that I did not authorize them.

Actions Requested from CFPB : 1. Order Experian to Immediately Block Fraudulent Accounts and Inquiries * Experian is required under FCRA 605B to remove fraudulent information upon receipt of a valid identity theft report.

2. Require Experian to Provide Proof of Verification for Disputed Accounts * If Experian can not provide verification, the disputed accounts must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

3. Hold Experian Accountable for Illegal Reinsertion of Deleted Accounts * Experian must be investigated for violating FCRA 611 ( a ) ( 5 ) ( B ) by unlawfully reinserting fraudulent accounts.

4. Impose Monetary Penalties for Experians Repeated FCRA Violations * Due to Experians failure to comply with federal law, I am requesting {$20000.00} in damages for financial harm and emotional distress.

5. Monitor Experian for Future Violations * Experian has repeatedly failed to follow consumer protection laws, and stricter oversight is necessary to prevent ongoing FCRA violations.

I request that the CFPB take immediate enforcement action against Experian and hold them accountable for their continued violations. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 US

C 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2023 I Mailed Experian And XXXX A Dispute Letter Regarding Unauthorized Inquiries Reporting On My Credit Report. Experian Wrote Me Back On XX/XX/2023 & XXXX On XX/XX/2023. Stating That These Inquires Are Factual, WITHOUT Providing Any Names Business Addresses Or Phone Number On Those Who Made Unauthorized Credit Inquires So I May Contact Them Directly. 

I Never Authorized Such Action & This Constitutes A Violation Of My Rights Under The Fair Credit Report Act 604 As Well Violations Of My Rights To Privacy.

This Is Not A Request For A Reinvestigation.
Product: Credit card or prepaid card

I have had a credit card with the company Elan for approx 30 years. 

I pay the card balance in full prior to the due date every month and thus have never paid any interest. 

Every monthly statement always shows a previous balance of XXXX and no interest charges. 

Suddenly in XX/XX/XXXX, the ( online ) statement showed that I had a balance due ; and that there were interest charges. I reviewed older online statements going back a few months and saw that the online statements were showing interest and overdue balances. However, I have previously downloaded copies of the same statements that show no balance and no interest due. So somehow, Elan went back in time and CHANGED the statements. 

After several phone calls and a lot of time spent explaining this, a manager finally admitted that they had back charged me for interest because they received a payment XXXX day late during XX/XX/XXXX. I pay electronically so perhaps this was over weekend or something, but I paid from my bank on time. But at the time the payment was XXXX day late, they did not charge me interest and I never knew about it. I still have the relevant statements showing no balance due for the ensuing months. If I had known they wanted me to pay them something because of the payment being XXXX  day late, I might have paid. But since they say I didn't, now they were trying to charge me for interest and fees accruing during the ensuing 3+ years. 

Finally the manager I spoke with said she would just waive all the interest and fees. Magically, the online statements were re-created again and now look like they originally did with no interest or fees. So I thought all was well, until... 

Today I went online to get my latest statement, and it correctly shows no prior balance. However, I see in another part of the website it says I owe what I calculate as an extra {$530.00}. I called repeatedly today about this, spoke to 3 or 4 people who were no help ; they just keep insisting the 'balance ' is right even though I have the current statement that shows it is wrong. 

This is very frustrating. I can't seem to get anyone on the phone that has any real knowledge. Maybe the smart people there are on vacation today. I have a perfect credit record and don't want it ruined because of this kind of a problem. 

The really onerous thing about this, which I think has to be addressed, is that Elan was somehow able to basically RE-CREATE all the past statements seemingly at will, changing the amounts owed each month, etc. Lucky I have copies.
Product: Credit reporting or other personal consumer reports

My credit score use to be over XXXX, recently it dropped below XXXX. I notice payment history was downgraded from exceptional to very good. When I look at the data it says no late payments for months and I know I have no late or missing payments for decades. 

I call Experian and they said they only look into monitoring issues and gave me an XXXX XXXX XXXX number to call. When you call that number you can not get to an agent, only order a credit report or lock. I need to speak with someone.
Product: Debt collection

I received a call today from premium asset services. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a XXXX time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.
Product: Student loan

See Previous CFPB Complaint XXXX regarding EdFinancials failures with their website and AutoPay. This complaint was Auto Closed after EdFinancial responded with a non-response that did absolutely nothing to resolve the issue. As a direct result of everything in my last complaint, it cost me a 0.25 % APR reduction through no fault of my own. It is unacceptable that I shouldn't be granted to capacity to benefit from this provision they marketed. It constitutes misleading or false statements. EdFinancial needs to recalculate my student loan retroactively applying the 0.25 % APR reduction to Day 1 of the repayment of the loans ( XX/XX/year> ) as my activities -- had their system not continually malfunctioned -- would have had my loan in AutoPay by the first payment date. I will not accept what amounts to a penalty APR for the months leading up to the eventual enrollment in AutoPay that didn't happen until they completely moved their website to a different host. They also need to retroactively post my payments as if they arrived on the Due Date each month. My basis for this demand is that I got confirmation emails stating my AutoPay was successful, but then AFTER the due date, I'd get an email saying it was NOT successful. This is very misleading and cause payments to be late and additional interest to accrue. After this recalculation is done, my loan balance needs to be adjusted/reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  account XXXX auto loan date opened XX/XX/XXXX account charged off {$4500.00} written off {$5400.00} as of XXXX 15 U.S.C 1681 section A, states I have the right to privacy 15 U.S.C. 1681 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$340.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

I sent the credit bureaus a letter asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy and these XXXX accounts have been removed from XXXX while Transunion and XXXX will not remove them. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am disputing some inaccurate information that reporting and harming my credit negatively. 
This company ( LAW OFFICES MBA ) has put a medical debt into collections against me illegally. 
Under 15U.S.C. 1681 sections 602A states : A. I have the right to privacy.

Under U.S.C. 1681 section 604A. section 2 states : A consumer reporting agency can not furnish an account without my written instructions. All these accounts and information these agencies is reporting is innaccurate and illegal.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/year>
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. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX 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: Debt collection

They are reporting collections on my  XXXX  that are not mine. They were previously on my   XXXX   and  XXXX  credit reports they were removed from there because they were not able to be validated, after deletion of those bureaus they placed them on my  XXXX  with out notifying me of that. These collections are not mine.
Product: Mortgage

PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pulling my credit report and I am seeing this XXXX  XXXX on my credit report with XXXX and Equifax when Bankruptcy Court clearly states they DO NOT Share this information to any of the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( TBOM/ASPIRE ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

On XX/XX/2019 I was hit with a collection on my credit report. I called the phone number associated with the debt and realized it's the same number that's been calling and harassing me with legal action.

They even tried to trick me into giving them certain info for them to use against me in court and after all that, they still never told me what the collection was for. 

They even told me they have certain records they could pull that'll give them the upper hand in court. 

They're still calling, now from multiple numbers ( which I have to answer sometimes since I work from my phone.
Product: Mortgage

There is a lot to say here. I am at my wits end and what i read about this company both from cfpb and other customers has me really concerned. I had problems before the pandemic. I was behind. Before the loan transferred from XXXX i wrote certified letter which i have proof of telling them i was in the property and to contact me once my loan transferred. No one did. then XXXX  XXXX XXXX did and then i heard nothing. Yet they still did a property inspection on XXXX despite me letting them know i was in the property.I requested over and over again thru Ms XXXX by phone and by email what was needed for my review to complete it. nothing for weeks it was not until i escalated it that she got back to me and she calls me when i am not available or when i give her a time she does not say yes i will call and confirm and then she misses me. I still need CLARITY as to what is needed for the review. While i am actively trying to sell the home, i still want the review to go forward. I need loan modification papers now. here is the latest issue in addition to all else, needless property inspections, unanswered QWR and an account manager who does not do her job consistently and get back to me. i just got a paper saying the payment will go up to XXXX with a XXXX escrow shortage. there is no way i can do that. and i have never had such a high payment with such a high monthly amount. Also i have no idea where shortage is coming from the back amount i owe from being behind? since taxes have not gone up that much. I am also doing a property tax appeal now. I need answers. I need relief asap and a full explanation. I need answers to QWR as to why payment went up from XXXX to XXXX or so. I sent it nothing just like I sent that i was in the property and they still did needless inspections. I will never pay for those. In your answer you are going to answer me with a script saying that inspections are in the promissory note. not when you know where i am and when i have mde it known i am in the property which i did. Courts have found them to be arbitrary an capriicious. 
I need this escalated not nasty scripts back i need my case reassigned which ihave asked for over and over. Your reputation Fay servicing is not good and i will not lose my home or be hte victim of unscrupulous acts. I want out of the home as i have for years. i am working on that but i will not lose my time. i need an explanation asap on all and a loan mod and a review. pending selling this place.