vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information.

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate.

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper 's web page does not allow additional payments to be made regularly. In order to make additional principal payments, you need to make your monthly payment. As soon as you make your monthly payment, it updates for the next month payment and then you still can't make additional principal payments because you haven't made your next month payment. I have been making these additional principal payments and this occurs regularly where their website stops the additional principal payments. 

It's a loop and now it's not allowing the additional principal payments to be made - that is not acceptable since early payoff is allowed. I just made XXXX payment and have a current additional principal payment scheduled in XXXX - I would like to schedule the XXXX additional principal payment but it's not available and their calendar only goes 30 days, so you have to reach a certain date to schedule another month payment. You can't do that if you can't they refuse to allow the option to be available. 

In addition to not allowing the paydown of the mortgage principle, the escrow team can not do basic math and get my escrow correct. I've asked, I've called, I've provided them the data and yet they still can't get the math correct. I'm at this point going to wait until XXXX when they realize they can't do math and raise my escrow accordingly. I am not exempt from all the taxes and still owe ~ {$650.00} a year- they included {$0.00} for the taxes. This is the worst mortgage company I wish I never had. I'm trying to pay it off but their site makes it so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear, Experian Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/year> Sincerely yours, XXXX XXXX XXXX : Proof of identity, FTC identity theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : Former : XXXX XXXX Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX is STILL REPORTING my INACCURATE account to Experian AS 60 Day delinquent WITH A UNPAID BALANCE! THIS HAS TRIGGERED MY XXXX XXXX XXXX AND CAUSED PHYSICAL & FINANCIAL HARM. 
On XX/XX/XXXX @ XXXX, I called XXXX XXXX  XXXX spoke with XXXX XXXX the Collection Supervisor ) @ ( XXXX ) XXXX - XXXX AT WHICH TIME she told me my PAY OFF BALANCE WAS : XXXX ~ Which I immediately PAID thru her USING MY BANKING INFORMATION THEY HAVE ON FILE. in noting ; MY auto loan WAS ON AUTO PAY for the ENTIRE LENGTH of my LOAN. WITHOUT NOTIFYING ME IN ANY SHAPE, FORM OR FASHION ; THEY STOPPED MY AUTOPAY!!! WHICH CAUSED ME TO GO INTO ARREARS IN THE 1ST PLACE!!!

I HAVE CHECKED MY BANK STATEMENT - WHICH VERIFIED THE {XXXX} WAS PAID! ( but due to Bank Regulations, I Could NOT SCREEN SHOT THE STATEMENH

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Account was paid by gap insurance claim due to total loss of vehicle. Original debtor agreed and deleted account from credit report. Collection agency reported a few months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello... I have a false hard inquiry... identity theft on my credit file that I was like to get removed please & Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had activity on my card totally XXXX dollars that i did not approve or had nonknowledge of. I even sent the back a letter stating I was not a member of this wed site when transactions occurred,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
On XX/XX/2022 I made an online purchase to XXXX for {$1400.00} that was IMMEDIATELY deducted from my account balance with Flagstar Bank via XXXX in order to succesfully place the order. However, I canceled the order a few days later when it was ready for pickup ; but the funds never reflected back to my bank account. Flagstar Bank claimed they didn't even see the transaction because " it dropped off '' when it canceled. And provided me with a manipulated statement with other charges from previous dates to justify my balance. Transactions that had already been cleared and not even within the time frame were reincorporated to justify the missing money in question. Either they or their computers manipulated numbers to make my balance make sense. When i made the purchase and it removed my money and i wasnt able to pay my contractor thats why i canceled. But the money Never returned to my balance after canceling. Flagstar Bank " could not find the transaction in their system ''. XXXX found the transaction, and said it Was refunded to my bank. My bank Flagstar, could not find the transaction at all. They both sent me in circles blaming each other, the bank blaming XXXX, XXXX blaming my bank, yet the money is gone. Disappeared. Flagstar Bank did not credit me the missing amount because " in order to do so, there would have to be a transaction. Which they " could not find. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I sent a certified letter with return receipt to Credit Collection Services XX/XX/2024 for a validation of an alleged debt of XXXX. Credit Collection Services reported the account as " CLOSED '' with a Balance on XX/XX/2024 with XXXX but did notify XXXX or XXXX about the disputed Collection account which has not been properly validated. Credit Collection Services is using a tactic known as " Parking Debt '' on my consumer profile without delivering proper disclosures prior to furnishing data to the consumer reporting agencies. Collection activity has not ceased by this non public information being furnished to consumer reporting agencies, further damaging my ability to obtain credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
The dates are daily and go back for three months. I've been in legal battles with the management of the park my home is in for two years. We've been mostly successful until recently, due to my constutional rights being outright ignored. I've never missed a lot fee nor have I neglected to pay my mortgage in nearly 9 years. I may be late. Especially now that I have to pay a mortgage for a home I can not live I and the rent of the apartment my family currently resides in. The mortgage company representative has called and emailed me daily, sent letters that have threatening language, in spite of me telling him to stop this harassment on multiple occasions. I have given him a date that my mortgage will be paid, that is within reason. He continues to email me, and speak to me in a condescending, disrespectful and unempathetic manner. Given my unique circumstances, his actions are both deplorable and from what I've researched, illegal. If this continues, and I'm sure it will, I plan to seek out and take all that the law allows me to from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo has been mailng mediation request forms pertaining to unauthorized accounts opened by Wells Fargo reps for several months ... I've filled out and returned a total of XXXX or more so far, acknowledgment letters are received, provided tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation, tracking id XXXX, in which case, no payment received from that mediation.. payment sent to an old address after I moved, no proof of address verification provided. I've called most recently, told all mediation efforts have been exhausted which refers to prior mediation, no payment received as stated prior. The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, Designs By XXXX. Wells Fargo was previously fined by CFPB for handling of accounts such as ones named here, has little to no credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 
2. Account inaccurately reported. Account number is different from other bureau. Also Past Due of XXXX in a collection/chargeoff account. This is inaccurate reporting and misleading. 
XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear, Transunion Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX Sincerely yours, XXXX XXXX Enclosures : Proof of identity, FTC identity theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief