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

To Whom It May Concern, I am filing a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) related to the improper reinsertion of fraudulent items into my credit report. Despite providing all legally required documentation, Experian has failed to fulfill its obligations under the FCRA.

Details of Violations : 1. Improper Reinsertion of Blocked Items : Experian has reinserted previously blocked items ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX without : * Providing prior notice or certification from furnishers. 
* Verifying the accuracy and legitimacy of these accounts. 
* Notifying me of the reinvestigation process. 
2. Failure to Investigate Disputes : Experian did not conduct a reasonable investigation or provide verification of the disputed items, as required under FCRA 611 ( a ).

3. Failure to Honor Identity Theft Protections : Despite receiving : * An FTC Identity Theft Report.

* Police Report.

* Proof of Identity and Address, Experian has failed to block fraudulent information in violation of FCRA 605B.

Harm Caused : * Financial harm due to denial of credit and increased interest rates.

* Reputational damage from inaccurate reporting.

* Emotional distress from prolonged disputes and Experians negligence.

4. Removing phone numbers and addresses off my profile.

Resolution Demanded : 1. Require Experian to : * Permanently delete fraudulent accounts and unauthorized inquiries. 
* Provide certification and detailed documentation for all reinserted items. 
* Implement additional fraud protections on my credit file. 
2. Enforce compliance with federal law and impose penalties for repeated violations.

3. Compensate me for damages caused by Experians actions.

Attachments : * Experian Correspondence * FTC Identity Theft Report * Police Report * Disputed Credit Report with Highlighted Items Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the following information on my credit report : Incorrect Address XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXXXXXX XXXX XXXX I have never lived at any of these addresses, worked for any of these employers, or used any of these phone numbers. I believe that this information was mistakenly placed on my credit report. I have attached documentation supporting my dispute, including a recent piece of mail that proves I dont live at any of those addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I ordered my free annual credit report ( to include all three credit bureaus : Equifax, XXXX, and XXXX ) by way of telephone number XXXX. After the automated system collected the required information, it stated that I would receive the credit reports within 15 days ; however, today is XX/XX/2021, and I have not received the reports. The reports should have been received no later than XX/XX/2021. Given the reports contain a significant amount of personally identifiable and other confidential information, it should NEVER be in the hands of identity thieves or other perpetrators. For example, the reports contain confidential information such as : creditors and account information, account numbers, balances, payment amounts, employment information, current and former addresses and phone numbers, and other confidential information.
Product: Debt collection

I am requesting debt validation for an account Windham Professionals XXXX is reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. I'd like the account be CORRECTED and UPDATED : XXXXXXXX XXXX XXXXXXXX. XXXX
Product: Mortgage

PennyMac took my XXXX XXXX mortgage payment of {$1600.00} and applied it to late fees and then put the rest in escrow. Then they reported my mortgage as being 30 days late causing my credit score to drop XXXX points. When I called them on XXXX XXXX, XXXX, the rep I spoke to acknowledged what they did, apologized and said she would fix everything including reporting to the credit bureau that I was never late. All she said was I owed {$180.00} in late fees which I paid on the spot. I could hear her boss in the backroom agreeing with everything she was saying to me. The next day XXXX XXXX I paid my XXXX payment of {$1600.00}. That afternoon I started receiving calls that my mortgage was late and I called them back every time. They called on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and now today the XXXX. Every call was XXXX plus minutes long stating everything that was taking care of on the XXXX XXXX call. Everyday but today they have said oh ok, we will make a note of this and it will be fixed. With the exception of today, today the rep tells me, that the conversation never happened on the XXXX even thought I asked her several times to review the recording tapes and that I still owe {$1300.00} for XXXX payment. 
Obviously no one there knows what they are doing and as the customer I am getting the raw end of the deal. 
The women I am speaking too now is telling me I am wrong about everything and I owe an additional {$1300.00} before all this will be fixed. So now the payment I made for {$1600.00} for my XXXX payment was again applied to late fees. 

This company obviously does not know what they are doing and should not be handling my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

Unethical business practice. Unethical company. 
I had a few cards issues by Synchrony bank, the most recent just in XX/XX/2023. They are now closing all my cards with them, and the letter cited " not paying down my mortgage enough ''. My mortgage is current, every payment not only on time, but EACH payment included extra principle payment. I paid it down more than was scheduled, but this is the reason they gave for closing my cards. I can not pay them off on line now, but must call to make these payments so I don't default on them. 
Now they've harmed my credit rating, even though I was current with them. They damaged my credit and adversely affected my entire life, even though I WAS CURRENT WITH THEM. 
I hadn't defaulted on any of these cards, they were all current, but they closed them out and I don't have a valid reason for it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill bits legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is proof Equifax is not doing a proper investigation and XXXX is using E-Oscar to submit information without providing any proof they're providing accurate information. I have submitted multiple documents that prove they can't validate the information they're providing and they need to be reported to the FTC. XXXX and Equifax are in violation and I need to be compensated for this continued violation at {$1000.00} per month. I have been disputing this inaccurate information for over 18 months and Equifax and XXXX are both liable for the damage to my credit that has occurred. I'm asking for {$27000.00} from both companies as they're aware they're committing this violation and realize there aren't any consequences for this known violation. Hold them responsible.
Product: Debt collection

My vehicle was totaled in XX/XX/2022. I filed a claim with XXXX  insurance company, who first denied receiving the initial claim, and then denied coverage for the date of the accident. They declined assisting me regarding my issue, although I had renewed my policy prior to the accident. I later find put that Capital One filed a false claim of repossession that supposedly took place a month before the accident in XXXX. Yesterday I received a XXXX check. XXXX and Capital one collectively worked together and caused me grief, defrauded, manipulated, and provided false and misleading information and I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my XXXX and XX/XX/XXXX how can my information be verified and it's reporting XXXX different information my payment history on XXXX and Experian is not accurate with each other and it's not all listed date last active on XXXX is XX/XX/XXXX and Experian it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for XXXX is XX/XX/XXXX date for Experian is XX/XX/XXXX Last active for XXXX is XX/XX/XXXX Experian is XX/XX/XXXX there's no payment history in XXXX how can it be verifed from XXXX XXXX showing different information needs to be deleted immediately violation of the fcra
Product: Mortgage

The billing procedures of PHH Mortgage are deplorable. Since they took my mortgage over from Ocwen, i was able to log in to make my payment ONCE. Their website is down, you are unable to view tax documents, escrow, property tax info ( all needed for tax purposes ) or make a payment! When you log in, it says we can better serve you over the phone. To use their automated system to make a payment ( over the phone ) it costs money- its through XXXX XXXX speed pay and they tell you upfront it costs money. So you have to sit on the line ... ... ... .. and wait. Eventually you get a customer service rep, usually from over seas, that will take your payment information, but you have to ask them about the fee. Mail a payment in? I wouldn't trust this company with a mailed payment for ANYTHING. I started getting notices from my homeowners insurance company. My insurance wasn't paid, and i was made the billing agent. How is that even possible when its included in my mortgage payment? I can't even log IN TO SEE MY ESCROW ACCOUNT. I am beyond frustrated with this company- their billing procedures are invalid, because you can't make your payments through their websites, as their statements suggest. I smell fraud and they are XXXX miles away. This has been going on since XX/XX/2019. Every month is a hassle. I received an email telling me I have to log on to get my tax documents. But when I do ... XXXX nothing. Call us so we can better serve you. I have talked to their tech support twice. I got the same run around each time. I have used different browsers, i have cleared my cache, I don't have any issues with ANYTHING BUT THEIR WEBSITE- how can you run a business like this!!! ANGRY Dear ( xxxxxxxx ) : An Escrow Tax statement is now available for you to review. For more information, please log onto http : //www.mortgagequestions.com. 

Please do not respond to this e-mail as it will be sent to an unmonitored e-mail box. 
to : We feel that your home loan needs can be better addressed over the phone. 

Please call toll free at ( XXXX ) XXXX so one of the expert mortgage consultants can help you complete your home loan process. 

Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator at root @ localhost to inform them of the time this error occurred, and the actions you performed just before this error.

More information about this error may be available in the server error log.

I just called in to get my loan number to finish this complaint. they told me this time, my loan was never registered on their website, which is why I am unable to log in. Huh, really? I've been through this before, twice but ok, just for the purpose of this complaint, i went through it ... .. AGAIN Internal service error. It is not me- its them. I used 3 different browsers and 2 different computers, neither of which have any issues with ANY other website. 

Registration Error! We have encountered an error. Please see below for additional details. For help, please call XXXX Monday - Friday XXXX - XXXX ET and Saturday XXXX - XXXX ET. 

Huge FAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid my mortgage two days late. The company would not accept the next two payments on time, so Guild Morgage reported me late for the next to months. I have spoke to the morgage twice but with no results. 

Please remove this from my account
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Over the course of the past month, XX/XX/2022, XXXX XXXX ( XXXX, specifically ) has called my daughter, my son, numerous friends, and my wife 's place of employment. He has provided information that I owe a debt and that I listed them ( which I have never provided my children 's name for any debt collection ). He threatened my children that this matter is " very serious and needs immediate attention ''.
Product: Debt collection

I do not have a contract with this company. They never provided proof of a contract with me or them. I would like this removed from all credit bereaus in a timely manner.
Product: Student loan

The XXXX XXXX XXXX hired the XXXX XXXX XXXX to handle all its defaulted loans. The XXXX XXXX XXXX is reporting inaccurate information because they received files from XXXX XXXX which is the original loan holder. My loans are fromXX/XX/XXXX and XX/XX/XXXX and they are older than seven years but still want to report them on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended college in XX/XX/XXXXso I do not understand these late payments. I never received any bills or statements.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : 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  Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Debt collection

I am writing on behalf of my wife XXXX XXXX. We saw back in XXXX of XXXX  that she had a collections on her credit report for a medical bill she received as a child. We immediately contacted A-1 to pay the amount of {$200.00} in full the very next day. We requested a goodwill deletion because of her otherwise perfect credit record- this was a debt levied onto a minor who at the time did not even realize it existed. Because of this circumstance A-1 agreed to a goodwill deletion. 

This past week the collection was reopened on her credit reneging on their promise and the account now appears to be open as if we never paid. Attached are bank statements and credit report info that documents this illegal situation and illegal attempt to collect an already paid debt. 

I am also sending this to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as the originator of the medical debt for their failure to utilize a reputable debt collection agency and being complicit in these illegal actions.
Product: Debt collection

I sent them a letter asking to send me verification that this is my debt i have a common name i have mail coming to my home from a person same name as me. There debt was merging to my file. I have sent 2 letter to this company asking them to send documents stating who there are they keep sending me the same computer generated documents they are fake and fraudulent. I need this removed off my Credit report this is hurting me from getting credit in this pandemic to feed my family. This company is taking advantage of people during these hard times. There saying i owe. XXXX dollars for a cell phone bill float from almost 7 years ago. I never had a phone through that company I have been on my mother phone plan XXXX. Since 2001. The documents they sent me are payments being taking out of a account thats not mines. the docs are fraud who charges a credit card everyday for a payment thats not real.
Product: Vehicle loan or lease

I am one of the auto loan consumers effected by recent Wells Fargo settlement. I put purchased my vehicle late XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 )  COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 161 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.