23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the failure of Experian to remove inaccurate information from my credit report. According to my recent credit report, there is information that is inaccurately reported, which is negatively impacting my creditworthiness. 

I have previously disputed this information with Experian and provided evidence to support my claim. However, Experian has failed to remove the inaccurate information from my credit report, despite my repeated attempts to have it corrected. 

This inaccurate information has caused me to be denied credit and has negatively impacted my credit score. I have made efforts to rectify this situation by contacting Experian, but to no avail.

I am requesting that Experian promptly remove the inaccurate information from my credit report and take steps to prevent such inaccuracies from occurring in the future. I also request that Experian provide me with a written confirmation of the removal of the inaccurate information from my credit report. This is not fair. Experian continues to turn a blind eye and deaf ear and report erroneous information. There are XXXX  XXXX XXXX that reside in Illinois! There's also unknown addresses on my credit report where I've never resided! Why is this legal? How is this ethical? 

I appreciate your attention to this matter and look forward to a prompt resolution. Please inform me of any actions taken by Experian regarding this complaint. 

Company : XXXX  / Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX.
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 XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXF XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX # XXXX, XXXX - XXXX : # XXXX, XXXX  : XXXX XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 in accurate
Product: Debt collection

Augusta collection agency has been threatening to arrest me because of a past due medical bill. They stated that they would send the sheriff to my job. Under distress, I signed a payment agreement that I would pay them XXXX dollars a month and I would pay the remaining balance in XXXX if I received a tax return. I only received XXXX dollars on my Federal return and I owe the state XXXX and they are threatening to sue me if I do not let them have my tax return information.
Product: Mortgage

Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report and unresolved accounts disputes. The ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence, I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Portfolio Recovery Associates , LLC has continued to contact me and also close friends that have no relation to the debt they are saying I owe. I am also not liable for this debt nor have I signed a contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

RASH CURTIS & ASSOCIATES AGREED TO DELETE THEIR ACCOUNT OFF OF MY CREDIT REPORT IN THE EVENT I SETTLED THE BALANCE WITH THEM. I HAVE SETTLED THE BALANCE YET, THE ACCOUNT STILL REMAINS ON XXXX. XXXX AND XXXX HAS DONE THEIR JOB. DELETE THIS ACCOUNT FROM THE REMAINING BUREAU IMMEDIATELY! I HAVE ATTACHED A SOPY OF OUR SETTLEMENT LETTER.
Product: Debt collection

I am billed from collection agency for bill on XX/XX/16 paid by my insurance companies which was primary XXXX paid XXXX, the secondary insurance XXXX would covered XXXX any balances should have been billed to XXXX as a secondary insurance in timely billing cycle. Also medical information was provided to the collection agency I was told XXXX  XXXX why would a collection agency need to know personal information provided to them by the hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, XXXX, Experian, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.
Product: Debt collection

This is the second time its happened its clearly seen on my credit report through XXXX the account was charged off in the amount of XXXX dollars give or take but can be found on XXXX which shows account closed with the amount I mentioned give or take. 
Now this happened where this new company or debt collector by the name of Fidelity Creditors SVC twice now filed a dispute prior on credit karma and now again through all 3 bureaus first dispute went good but then reappeared not sure how long after. Company or agency I mentioned is obviously playing games lying and ruining and now re trying to collect something that is clearly wrong and way over charged off amount from XXXX. Company provides not only an open account which is false and way past the time frame of XXXX closing and charging off years ago but also wrong amount clearly and being its the second go around they are playing games and jeopardizing a young XXXX XXXX XXXX like myself an account that shouldnt be opened and false intentional amounts over what was charged off and closed. Its taken me years and years to fix my credit due to financial circumstances and I have the opportunity to buy the condo Im currently renting. 
Im hoping to not only have this issue finally finished and handled not go back again to dispute twice gets fixed and same issue I want this false amount off fixed and the company should not even show on my collection accounts for all 3 bureaus end of story account is charged off nothing more then XXXX and account is closed. I want this company disputed action taken for them and most importantly reflect and be removed from collections accounts on all major credit bureaus. 
My time frame for this buy was until next month so if there is anyway a miracle can happen on timeliness quick results or turn around I would be so greatful! 

Thank you very much XXXX XXXX XXXX
Product: Credit card

I received a letter from Barkley credit card claiming that I am going to court for none payment of credit card, which I have no recollection of ever having this credit card, I went to The XXXX XXXX on XX/XX/XXXX explain to the judge and I was told to report this information
Product: Debt collection

XXXX was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the accounts corrected PRONTO : XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX FXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I hereby request the deletion of a charge off on my credit report by XXXX XXXXXXXX due to inaccurate information, the furnisher is unable to provide me with the copy of 1099C used in writing off the debt with the IRS to know how much the debt was charged off. The furnisher has not been able to provide this information since over 30 days as required by law. 

In this regard, kindly delete the charge off due to inaccurate information due to inaccurate information.
Product: Debt collection

Capital One has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. 

See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report incorrect information on my report regarding XXXX  XXXX XXXX, which shows as a closed account on my credit report. The XXXX  XXXX XXXX account on my report is fraudulent and does not belong to me. My identity was stolen and I reported that to Equifax and to XXXX  XXXX XXXX over a year ago. Equifax still has the account on my report and allows XXXX  XXXX XXXX to report inaccurate and fraudulent monthly updates on my report. I would like for Equifax to remove the closed XXXX XXXX XXXX from my credit report as it is fraudulent and identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 

Upon further investigation, I realized that my personal Information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. 



Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Checking or savings account

I went to Wells Fargo Website to open Checking Account and when I finishing completing the application I receive the following message and email Skip to main content Sign Off Customer Service Locations Apply Home Search Thank you for submitting your application, XXXX. 
Print Wells Fargo Everyday Checking Application Reference Number : XXXX Status : After carefully reviewing your request, we have determined that we can not approve your application for this account at this time. We will mail you a letter explaining this decision within approximately 3 business days. 

If you have questions, please call us at XXXX, Mon - Fri : XXXX XXXX XXXX XXXX, Sat Sun : XXXX XXXX XXXX XXXX  Pacific Time. 
Wells Fargo Bank, N.A. Member FDIC. 

About Wells Fargo Careers Sitemap Privacy, Cookies, Security & Legal Online Security Home Ad Choices Report Fraud XXXX - XXXX Wells Fargo. All rights reserved. XXXX ID XXXX When I contact the above number a young man name XXXX Answer indicating that he or his unit can not explain why it was denied that I would have wait for letter in the mail now I have a reference number and they should be able look it up but they can not please investigate this bank and online services and ensure that system is working legally and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Product: Credit card

Date of Application : XX/XX/2023 Requested Credit : Unsecured & Secured Secured Card : It appears that we have a bait and switch type of tactic being using as this Card is marketed for " rebuilding and establishing '' credit. 

Citi Bank has a recognized policy of extended credit based on relationship, and I've been a customer of thr bank for over 2 years. 

This Card does not present any type of risk to lending with the collateral secured by a deposit Only reason for denial would be to further hurt the financial situation, and not want to promote financial well being by the Card increasing the credit report positively, or XXXX discriminstion. 

Custom Cash Card : It appears that this card is being extended to individuals with XXXX 's credit score, and the current XXXX score is XXXX. 

There has been a long history of credit for 15-16 years with great payment history. 

Late payments are very good at XXXX out of XXXX payments paid on time and never late Income is average for the demographic. 

Inquiries I want these inquiries removed they are ruining my credit by black listing me and making me apply frivilously without ever obtaining credit. 

Every household is required to have a credit card for emergencies!