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

I am writing to formally lodge a complaint regarding a persisting issue with Experian 's credit reporting services. Specifically, despite the resolution and closure of a previously reported collection account, Experian has failed to remove this item from my credit report. 

The collection in question, valued at {$380.00}, was paid in full and closed as of XX/XX/2023. Subsequent to the payment, I have diligently corresponded with Experian through multiple letters providing evidence of payment and closure of the mentioned collection account. Regrettably, these communications and documented proofs have been disregarded, leading to an inaccurate representation of my credit profile. 

The adverse impact stemming from this erroneous reporting has been substantial. It has significantly hindered my ability to pursue essential financial endeavors, such as securing a mortgage for a home purchase. Furthermore, the unjustified retention of this resolved collection has unduly lowered my creditworthiness, impeding various financial opportunities. 

I implore Experian to expeditiously rectify this error by removing the aforementioned collection item from my credit report. The persistence of this inaccurate information has not only caused undue inconvenience but has also resulted in tangible repercussions that detrimentally affect my financial standing and opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX XXXX XXXX of XXXX  and have worked with a law firm to repair my credit. XXXX is showing a collection status from XXXX  XXXX XXXX XXXX. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXX, an account opened at XXXX XXXX XXXX  on XXXX XXXX account number ( XXXX ), an account opened at XXXX XXXX XXXXXXXX the account number ( XXXX  ) on XX/XX/XXXX, a personal credit credit card with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX under account number ( XXXX ), A personal loan at XXXX XXXX XXXX XXXXXX/XX/XXXX under account number ( XXXX ), and a collections account opened at XXXX  on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 at approximately XXXXXXXX PST, I received an email from Experian about a change to my account. It stated that a vehicle was added and that this was NOT a marketing email. I logged into the Experian dashboard which led me to the " XXXX '' products section and confirmed a XXXX was added to my account. I clicked the " manage '' button to remove the vehicle. 

I called support the next day ( today, XX/XX/2023 at XXXXXXXX PST ) and asked why that was added to my account ( worried it was fraud ). Support told me it was just a marketing email, however, the email specifically says its NOT a marketing email but an actual account change. Support refused to help me remove it on their alerts system and said " someone will contact you about it but there is no ETA ''. I asked to speak to the dispute department where I was next transferred to. 

Dispute department said since it's auto related, they can't help and only member services can. So she routed me back to the member services team. Member services said it was a new product that experian was promoting by trying to alert certain customers, so that they can generate product costs and see if we were ultimately interested. I asked why they would intentionally and unlawfully add a vehicle to my account and claim its a marketing email, when the email specifically states its not marketing. She had no response and said they would try to remove the car from my alerts and account. 

Experian is intentionally manipulating and adding false information to my account in order to trick me into buying products from them and claiming its not actually happening ( gaslighting ). This is absolutely unacceptable on top of illegal and I believe they are sharing my info to third party businesses to rope me into their unethical and illegal sale tactics. Please help
Product: Debt collection

My complaint is against Bull City Financial Solutions the original creditor is XXXX XXXX XXXX XXXX I received a notice that I owed a balance of {$390.00} from Bull City Financial Solutions being that I never heard of the place I called to see what the balance was and why are they contacting me they informed me that I was admit it to XXXX XXXX Hospital XX/XX/XXXX in which they said that I had a child that was born that day who was XXXX I inform them that I was not admitted in the hospital to deliver a child in XXXX my last child was born XX/XX/XXXX I do not have a child XXXX years old and the debt is not mine so remove it from my credit they refused to remove it from my credit and they insist that I had a child that was born XX/XX/XXXX and was XXXX XXXX and XXXX XXXX Hospital I told them to do the research I am XXXX years old my youngest son was born XX/XX/XXXX I would like to add also that I received the XXXX XXXX XX/XX/XXXX there is no way that I had a baby in XXXX and I need that debt removed from my credit they refused. Not sure how they even obtain my information to even send me a bill and I need this investigated because obviously I am another victim of identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like TransUnion, XXXX, and XXXX, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

My credit limit was decreased $ XXXX based on a delinquent payment on a different account. That was a error on my credit report. I have resolved the error and it has been removed from all 3 of my reports. The credit limit decrease was done based on an error in my credit report. Once the error was corrected and removed I was told by customer service that theres nothing they can do. 

Again my credit limit was decreased based on an error. Once the error was removed they wont discuss or reverse the decision even though its based on wrong information. The adverse action should not still apply if its based on wrong information
Product: Credit card or prepaid card

When I received my XX/XX/2018 statement, I noticed a charge from XXXX XXXX XXXX XXXX had been posted to my account on XX/XX/XXXX. I did travel on XXXX XXXX in XX/XX/XXXX, but not in XX/XX/XXXX, and I definitely did not authorize any charges for {$1400.00}. I reported this to Citibank, and that account number was closed.

As a result of my report, representatives from XXXX XXXX contacted me. They explained that this charge was for an online flight upgrade on my flight in XX/XX/XXXX. They explained that I had authorized an upgrade in the amount of XXXX XXXX Rupees. Unfortunately, this amount was not properly converted this to US dollars. Instead of XXXX Rupees, I was charged XXXX dollars. They were unable to explain why the charge was posted in XX/XX/XXXX, rather than XX/XX/XXXX. They said that I should check with Citibank.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting and Failure to Correct Errors Complaint Details : In XXXX of XXXX  I sent a dispute letter to the Credit Reporting Agencies regarding inaccuracies on my credit report. Specifically, the dispute concerned late payments and charge-offs that were erroneously reported. I provided Experian, XXXX and XXXX with all necessary documentation and requested that these inaccuracies be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

Experian, XXXX and XXXX responded to my dispute, claiming that the information was verified as accurate. However, they failed to provide sufficient evidence to substantiate their verification and did not conduct a thorough investigation as required by law. This response from the Reporting Agencies violates my rights under the FCRA, as they are required to take reasonable steps to ensure the accuracy of the information they report and to conduct a proper reinvestigation when a dispute is submitted. 

Due to Experians failure to correct these inaccuracies, I have suffered significant harm, including damage to my creditworthiness, loss of business opportunities, and XXXX XXXX As a result, I am seeking the following remedies : 1. Immediate removal or correction of the inaccurate information on my credit report.

2. Compensation for damages, including {$1000.00} per inaccuracy, as outlined under the FCRA for willful noncompliance.

3. A formal apology from Experian for their failure to comply with federal regulations.

Additionally, I am preparing to escalate this matter to litigation if Experian does not resolve this issue within 30-45 days. I believe that Experians failure to address these inaccuracies is a willful violation of the FCRA, and I am seeking appropriate legal remedies to ensure compliance and to protect my rights as a consumer.
Product: Mortgage

We paid to have an appraisal done to remove our PMI from our mortgage, which was approved in XX/XX/year>. Our mortgage sold several months later to Newrez and they have been charging us {$260.00} despite have the documentation showing that they had no legal right to charge it at all since we paid for the appraisal and had it removed. We have contacted Newrez XXXX times since the end of XXXX with no resolution in sight. We continue to be told that we will get an email or phone call following up with a solution and they have sent nothing. They also stated that our homeowners insurance increased despite our insurance company telling us there has been no change. Newrez continues to lie and not provide the information to us that they are quoting from " our file ''. If it is information pertaining to our mortgage, they should be willing and able to provide it to us. Both of these issues have caused our mortgage to increase over {$500.00} per month. There should be legal repercussions for charging additional PMI when you have documentation on file that it was removed several months prior to it even being transferred over to Newrez.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATION/XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXXXXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I did a closing with TD Bank for a mortgage refinance on XX/XX/2020. They sent someone representing a company called XXXX XXXX XXXX to handle the closing and getting the documents signed. This person told me they would email me copies and that the closing would be finalized on XX/XX/2020 once they sent the documents over to TD Bank. I told him to ensure that the copies were sent to me via a secure medium, not email. Today, XX/XX/2020, they sent me an email with the documents I had signed as an attachment to the email which is not secure. It included my social security number, checking account number, all my financial information, credit information, address, basically all of my private sensitive data/information. I complained to both companies about this, and the title company replied saying that email is totally secure ( emails attached to this complaint ), and TD Bank never even bothered to reply or call me.
Product: Credit card

I have consistently ensured that payments on this account are timely and not overdue. I'm confused about the reported late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.
Product: Credit reporting or other personal consumer reports

A fraudulent item that I never benefitted from still appears on my report, even though it has already been removed by both XXXX and XXXX and blocked from reporting. Yet, you continue to include this false and fraudulent information on my credit report, which I find both insulting and damaging to my character and credit. It's deeply stressful and a violation of my rights as a consumer. I've reported this to the Federal Trade Commission, but nothing has been resolved or removed.
Product: Checking or savings account

Hello, I was scammed out of {$150.00} on XX/XX/year>. There was suppose to be a service provided and that service was never made. I contacted the merchant via social and through text. The woman presumed to have had an online class & in person class that she did not accept me in to. She did not respond at all even after the time of the service was over to apologize or anything. I paid in advance for this service on XX/XX/year> because I thought this was a real event. Chime banking who I bank with denied my dispute after documentation being submitted with no real cause of denial.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request many times to provide me with the documents that their company has on file that was used to verify accounts the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Checking or savings account

After transferring funds from my external bank account to my account with Barclays Bank, the amount was successfully debited from my external account. However, Barclays denied me access to my account. I was initially informed that I would have access to my funds within a few days, after submitting all the requested documentation via email. Despite waiting for weeks, and even after the funds appeared in my account, I was unable to access or use them. Eventually, my account was locked without any clear explanation. When I contacted customer service, they failed to provide a valid reason for this action
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account, # XXXXXXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX  XXXX XXXX, # XXXX U.S. Dept. Of Education. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX XXXX XXXX, XXXX card closed the credit card I had. The card # is XXXX XXXX XXXX XXXX. The reason they said was because I tried to make a payment from an unauthorized account. The payment was returned and I have made payments from the correct account before and after this incident. The returned payment was made on XXXX XXXX, XXXX in the amount of {$XXXX}. The account unauthorized was an account in my name at the Federal Reserve in XXXX, account XXXX. I was told I could use these funds as they were in my name, but I was misguided and and made a mistake. What account I tied to use should not be relevant to the credit card company. That is between me and the account holder where I tried to make the payment from. I have pleaded with them to not close this account. I apologized for the mistake. I feel I am being treated unfairly because of this mistake I made. This is a case of disparate treatment. They do not close the accounts of other card holders for making the same mistake. I have been singled out and treated less favorably as a result of the mistaken unauthorized payment. My civil rights, Title VII of the US Civil Rights Act protects me and they need to treat me the same way they treat any consumer that makes a mistaken payment. Barclay 's has said they are closing all accounts who tried to make payments from the Fed. But they have admitted that they do not close accounts for other card holders who make mistaken payments from unauthorized accounts other than the Fed. Not fair treatment. A mistake is a mistake. There was no harm done as I paid a {$XXXX} returned payment fee. What is so special about my behavior and error in payment that gives them the right to close the account, while I was on vacation, when other consumers have made a similar error and not had their account closed? Barclays card customer service # is XXXX. Thank you, XXXX XXXX