23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX  DC XXXX Subject : Formal Complaint Against Experian for Violations of Section 605B of the FCRA and Reporting Inaccuracies Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which mandates that credit reporting agencies ensure the accuracy and verifiability of information reported on consumer credit files. Experians recent actions, combined with the issues highlighted in the CFPBs recent lawsuit against them, demonstrate a clear pattern of disregard for consumer rights. 

My XX/XX/year>, Experian credit report contains several inaccurate and unverifiable entries that Experian has failed to properly address despite their obligations under the FCRA. Specifically : XXXX. XXXX. XXXX, XXXX ( Account # XXXX ) - Experian is reporting this account with a balance of {$130.00} attributed to " Champions. '' I have no record of any agreement or transaction with " Champions, '' and Experian has failed to validate this debt. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - This account, associated with " Regional Finance TX, '' reports an outstanding balance of {$2000.00}. This debt was resolved, but Experian continues to report it inaccurately without providing documentation to validate the claim. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Experian is reporting this debt, allegedly tied to " The Bank XXXX Missouri, '' with a balance of {$670.00}. I dispute this account entirely, and Experian has failed to substantiate its reporting. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) - Experian is reporting this account with a balance of {$720.00} from " XXXX. '' This debt is inaccurate, unverifiable, and has caused significant harm to my creditworthiness. 

Under Section 605B of the FCRA, Experian is required to : - Block the reporting of information that can not be verified.

- Conduct a thorough investigation of disputed items within 30 days.

- Ensure that all information reported is accurate and tied to the consumer through verifiable documentation.

Experians failure to meet these requirements violates my rights as a consumer. Furthermore, the CFPBs recent lawsuit against Experian underscores systemic issues within their organization, including their failure to ensure accurate reporting and proper dispute resolution. 



Experians negligence has caused significant financial and emotional distress, lowering my credit score and impacting my ability to access fair financial opportunities. I trust the CFPB will act to enforce consumer protections and hold Experian accountable for their repeated violations. 

Thank you for your attention to this matter. I am available to provide additional information or documentation as needed. I can be reached at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Debt or credit management

On the XXXX of XXXX we were served with a lawsuit from Wells Fargo Bank , National Association, As Trustee for XXXX XXXX XXXX XXXX  XXXX, Mortgage Pass-Through Certificates, Series XXXX. Also XXXX XXXX is being sued with us. 
Case # XXXX XXXX XXXX XXXX XXXX XXXX. Dated XX/XX/2023. 
Someone ask if we had a second mortgage and we never have. Was told it may be a Zombie Mortgage. The official who dropped off the paperwork told us we have 13 days!! Right before the holidays when people are off and dont come back to work until after XXXX XXXX. 
Im a XXXX XXXX citizen.
Product: Debt collection

Date : XX/XX/2018 / I submitted reviewing of claim placed for collection by Professional Debt Mediation , Inc., XXXX XXXX XXXX XXXX, Fl XXXX Date Notice of Collection : Opened XX/XX/2018 Amount : {$1200.00} Last XX/XX/2018 I submitted a dispute about a Notice of Collection for a delinquent account of an original creditor : XXXX XXXX XXXX XXXX, Florida. 
In XX/XX/2018 I called this collection agency to know the status of my dispute. At this time they have not answered about the investigation that I requested about this debt. 

I agree with XXXX a rent contract for 6 months that I needed to modify because I have to move for reasonable causes. We agreed a new contract which I fulfilled to the end in XX/XX/2018. I have documents included to prove this payments. I was never communicated by phone or letter any charges regarding damages or pending payments by XXXX XXXX of Florida. Nor, any alert notification of collection claiming for this debt. When I was reviewing my credit score in XXXX XXXX, in XX/XX/2018 ; then I saw the collection notice submitted since XX/XX/2018 and immediately I took action by phone and providing documents and submitted again in XX/XX/2018. 

As a consequence of this Collection notice pending. I have a negative reputation that is affecting my credit history with the credit card agencies. They have limited my credit balances. Also, my credit score is deminished.
Product: Money transfer, virtual currency, or money service

PayPal, which handles online financial transactions between buyers and sellers on the XXXX  platform, is improperly withholding payments to XXXX  sellers even when perfect performance has already been rendered to XXXX  buyers. This unjustified withholding of valuable consideration from XXXX sellers is a clear breach of PayPals escrow contracts with various parties, especially in the absence of a sellers breach and without the approval of buyer and/or XXXX itself, because it is not authorized by statutory, decisional not administrative law and imposed costs on XXXX   sellers. PayPals has already been put on notice about the unlawfulness of its approach and the injuries that are imposed on XXXX  sellers, but this escrow agents persists in its error and refuses to uphold its fiduciary duties. The argument that PayPals breach of its escrow contracts actually helps XXXX to prevent fraud has no basis in law nor in fact, considering that XXXX provides numerous protections to its buyers that does not require impairing the rights of sellers and does not support this policy.
Product: Checking or savings account

I went to a bank in XXXX NY and made a deposit of {$820.00} on XX/XX/XXXX. When I inserted my card the machine refused it and again I tried. When I checked the balance online it showed a deposit of XXXX. I contacted the bank and advised of the situation, providing all of the info of time and place and was told that the bank would research and within XXXX  days deposit the missing balance. 

I contacted the bank on XX/XX/XXXX and was told there was no discrepancy. I was then told I needed to provide the receipt which I did not receive. 

Please assist that in correcting this deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. Asof todays date, 3 credit bureaus have not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check thepayment history, date open, last activity, and Status of the listed accounts which I believe were reportedin error. 
XXXXXXXX XXXX XXXXXXXX XXXX. Balance : {$260.00} ; XXXX XXXX .... Balance : {$280.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$3700.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry fraudulently made on XX/XX/2018 by unkown subject on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month the Department of Education sends out that I am deliquent ( behind ) on payments for my student loan. They have done this the ENTIRE pandemic. Also, I have a credit repair company that fights it every month, gets it off my report only for it to return like clockwork the next month. 

This is fraudulent and hindering my credit. That is a violation of my rights and my credit. 

Unacceptable.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by ( experian ). I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries from XXXX XXXX/ XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX. These inquiries aren't mines they are showing on my Equifax. I have dispute them and can not get them to verify the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not comply with the Fair Credit Reporting Act, in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file.
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On XXXX XXXX, 2017 I obtained my annual free credit reports from XXXX. I noticed that XXXX XXXX had an account listed about me that is inaccurate. I did not authorize XXXX XXXX to report this account on my credit file. I called XXXX XXXX on or about XXXX XXXX, 2017 to ask them the deleted the account because it is incorrect. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX, XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three credit bureaus wrote back to me stating that XXXX XXXX verified that the information about the account was accurate and that it would remain on my account. I am distressed that XXXX XXXX continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX  XXXX I was told and viewed a work slip for repairs on the car as I took possession of it. I followed up with a mechanic at the car dealership set the appointment up with. The mechanic said he would attempt to repair the car however he said it needed extensive work. We called back to the car dealership and was told that they would only do one repair to the head gasket. I personally paid for the second head gasket in order to keep the car from not smoking constantly. Again the same mechanic attempted to fix the car I went back to the dealership to see if there was something that they could do to assist me to give me another call I was told at that time it was on me even though they had filled out a work request slip. After spending close to XXXX dollars and Reporting this to credit acceptance and the manager at the car dealership I returned the vehicle. 4 years later there has constantly been reports on my credit saying that I owe money and there's interest accumulated as if I am in possession of this car when I explained the situation I was told to file a complaint.
Product: Credit reporting

Midland Funding is in accurately reporting an account with XXXX XXXX that is not mine. This account was disputed with creditor as well as the credit Bureaus. I have also yet to find a bond on file for said company for the state of illinois which is required to lawfully collect debt in this State.
Product: Checking or savings account

After I filed the claim someone from the office of the director contacted me with questions. I explained that my account has been hacked approximately 40 times The account has been frozen five times and someone keeps lifting the freeze without letting me know!! She said she was putting a freeze back on the account!! 
Shortly after the account got hit!! After a few calls over 3 months I stated that I was no further along!! They are saying I owe money! I asked for an explanation and they are unable to get me one!! There are fees and interest being charged to the account and I just received a letter saying that they completed their investigation and they are correct!! I still dont have any idea what the charges are for!! And the amount keeps going up!! So far its gone up {$500.00} And they still cant give me an explanation!! And how do the freezes keep getting lifted without my knowledge!! 
Last but not least they notified experian that I was satisfied and they wanted to close the complaint!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a unauthorized Hard Inquiry made on my Credit by Discovery Card on XX/XX/XXXX. This Hard Hit was made totally at their own Discretion and DEFINITELY not authorized by me. As I understand this is a common practice by Discover Card when browsing through one of their sites. They believe most people aren't keeping tract of their Credit Score and are seeking to use personal information for their own purposes. This is a huge misuse and invasion of privacy running Credit Checks without the person 's authorization. I had already applied for a Discover Card a few months ago. Why would I authorize another hit when I already did so on XX/XX/XXXX and was refused?
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these two accounts on XX/XX/2020. i also has called them about these old accts that were past the limitation with experian and to deleted these old account that keep re -aging every month on my credit report Experian continue to tell me that its accurate without any details and proof this has been very frustrating for me to continue let them lie to me about these accounts the amount on the account is Acct:XXXX is for the amount of XXXX. 
Acct:XXXX  is for the amount of XXXX
Product: Checking or savings account

I hope this letter finds you well. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. We got hit by a tornado, which left damage and debris all over the place. While in an emergency, I retained XXXX XXXX XXXX who agreed to clean all the debris and remove and haul them away for {$5000.00} per community. After I paid the {$15000.00}, they asked that I pay them another {$2500.00}. Once I paid them the additional {$2500.00} from another account, they then asked me to pay another {$370000.00} just to get going on the work again. In the end they robbed me of {$17000.00}, and did not remotely do close to any of the work we agreed to, if any work at all. They did not hold up their end of the deal, and they lied to me. I am very disappointed wells fargo is taking the merchants word over mine. All they did was ask the merchant if he did the work.
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 XXXX XXXX XXXXXXXX, 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Student loan

I was approved for the loan forgiveness and it was not added to my account it is still showing my account at the amount that they were collecting for they never changed it and they're still trying to collect for it. 
They also revolt my account and added more debt to it it is not the original debt that I approved for school is over {$50000.00} now and I never received that much money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I received an email that I had a new credit inquiry on my XXXX report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.
Product: Student loan

I requested a Direct Consolidation Loan from the Federal Department of Education serviced by XXXX in XX/XX/XXXX. The Direct Consolidation loan was approved by the end of XX/XX/XXXX, paid to Navient in XX/XX/XXXX, and Navient reduced my outstanding loan balances to {$0.00} as a result. Yet, FAFSA reports on its website that I actually borrowed over {$170000.00} in total borrowing when I only borrowed less than half that amount. The DOE Consolidation loan now serviced by XXXX was paid directly to Navient, not to me. My original loan balance with Navient from my original student loan consolidation loan in XXXX amounted to {$60000.00} in total borrowing, the rest is interest. According, FAFSA is reporting that I borrowed {$190000.00} in total and owe over {$170000.00} outstanding debt. This is both wrong and unjust. When I sent a complaint to FAFSA, I was ignored and nothing was done. 

My second complaint regards the handling of my original student loan consolidation in XX/XX/XXXX with Sallie Mae. I applied for a direct consolidation loan in XXXX with Sallie Mae. For unknown reasons, my direct consolidation loan turned out not to be through the Federal DOE, but was run through a commercial refinance ( private ) rather than through the Federal DOE. At no time in XXXX was I told that my Federal Consolidation Loan was not being consolidated through the federal government, but was being manipulated by Sallie Mae to private commercial interests. I have since learned that the CFPB sued Sallie Mae for fraudulent servicing practices, but I am not aware of how student borrowers such as myself who were misled by Sallie Mae into student loan consolidations that were privately held. In my case, according to DOE and XXXX, none of my prior XXXX  years of IBR payment history will be credited toward repayment of my student loans as a result of Sallie Mae 's fraudulent lending practices. I believe that similarly situated borrowers like myself should be provided with some avenue of relief from Sallie Mae 's deceptive lending practices. In my case, all of my loan payment history should be counted toward my repayment history of my student loans since XX/XX/XXXX. As thing now stand, my student loan debt will follow me until XXXX, according to XXXX. Since my degree was for graduate study, my loan should end in forgiveness after 25 years, not 39 years as things now stand. Thank you for any help you can provide. Yours truly, XXXX XXXX