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

Experian has failed to fulfill it's 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 The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes These failures align with my experience where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) 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. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Debt collection

Debt collection agency has called repeatedly alleging I owe money from various different loans pertaining to my social security number and has also mentioned same thing in an email. Unsure of how information was obtained in the first place, but I have made it very clear that none of this makes sense to me and to please stop immediately. 

Instructions have not been followed and harassment continues. I have even received text messages as well from them. XXXX/ seems to be an automated service, nonetheless bothersome. 

I would love some assistance to A. Get this information out of their hands and B. Harassment to stop immediately Thank you
Product: Debt collection

Someone signed up for multiple accounts on my name while I was XXXX and even has another social security number, my ID information as well. 
-Jefferson Capital for XXXX XXXX The police report has been done and the account was removed from my credit report but its back. 

Also, XXXX XXXX simple has been ruining my credit for years. Company sold me faulty merchandise, I returned it and it still has a negative mark on my credit report. 

XXXX XXXX XXXX repeatedly reporting monthly on an account that has been closed and charged off. Theres no agreement. 

XXXX XXXX Reports wrong account to credit bureau of choice . Account information not correct or on all 3 reporting agencies.
Product: Mortgage

During XXXX period of unemployment I was kicked out of a pmt plan to try to catch up because I did n't submit XXXX pmt on the XXXX.That cancellation consequence was n't disclosed to me. Wells Fargo told me I could apply for a modification in XXXX. I submitted my application and I had n't gotten much help from my agent. I submitted EVERYTHING that was required of me. They said that I was denied approval due to afforability and because I had already gotten a modification in XX/XX/XXXX. It was actually XXXX that I had gotten my modification. I appealed their decision with an updated decrease in income because I had a non-borrower contributor lose his job ; my husband. Also, I had a slight increase in expenses which does not allow for affordability. During the review process I was told that everything was on hold and to try and save my payments to pay at a later date. During the 7-month period I had another season of unemployment, birth of a child, and a XXXX for my child and for myself. These circumstances dipped into the savings i was able to retain. In XXXX they denied me and told me I was 8 mths behind and that i SHOULD have been paying all along. I had misinformation, inconsistent information, and had to speak to all different agents other than the XXXX assigned to me. I may have spoken to the agent assigned to my case XXXX or XXXX times. He never answered the phone. He never returned a call within 48 hours. I would get letters stating receipt of documentation usually. I would always have to call someone to find out what i needed next. Usually a lot of time had already elapsed be requests were n't made known ahead of time. They denied my appeal and now have me in a suspended forclosure status. I am waiting on a reinstatement quote letter that should have been ordered XXXX. I am still appealing their decision based on the 24-month modication rule i read upon and the affordability aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX**-Balance {$1300.00} XXXX XXXX-Balance {$580.00} XXXXXXXX XXXX**-Balance {$3000.00}
Product: Vehicle loan or lease

I recently was in the process of purchasing a home for my family and I and a week before closing I am being made aware that I have detrogarty marks on my credit from XXXX. 

I originally entered into an installment loan contract with XXXX XXXX and my terms were 12.49 % interest rate, finance charge of {$5800.00} amount financed {$11000.00} for a total of payments {$17000.00}. This would be XXXX payments at {$200.00}. 

I always paid more on my loan with XXXX XXXX and was ahead on my loan. 

In 2020 the account was transferred to XXXX XXXX XXXX. They changed the account from an installment loan to a revolving card. The payments are not applied properly and then they are now adding late charges and then adding finance charges that are already calculated in my monthly payments. 

Reviewing the statements from XXXX the statements have many errors and again my payments are not applied correctly. Just recently i have XXXX credit delinquency hits but yet my loan has been paid off way before the maturity date with all the extra money that was being sent. 

I attempted to reach out to XXXX myself and after I had XXXX minutes wasted with an unprofessional representative, I finally spoke to a supervisor XXXX who followed me step by step with all of my concerns. Although he was understanding, he stated that he would not be able to rectify the situation and would need to esculate it but told me that I would need to mail my credit report to XXXX XXXX XXXX in XXXX XXXX, CA. When i asked why XXXX XXXX XXXX when my statements say XXXX XXXX XXXX XXXX. I explained that would take too long and also offered me an email address. 

I sent an email to XXXX but this is very time sensitive and will cost me a home for my family and I if not corrected immediately. 

I am a XXXX XXXX and not readily available to discuss things and even authorized and signed a XXXX party release form to speak to my mom XXXX XXXX. Still have not received any communication from them. 

I think they need to reverse and repost all of my payments including the payments ahead when I was with XXXX. They can also refund me ALL late fees and additional finance charges charged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX, XXXX XXXX XXXX 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: Debt collection

I have been contacted by a company " True Accord '' by EMAIL to attempt to collect an alleged debt that I have no knowledge of. I have never given this company permission to contact me Especially by email. This company is in violation of 15 U.S. Code 1692 ( a ) and 1690 U.S. Code1692 ( b ) ( 2 ) ( 3 ) ( 5 ). This company can not legally state that I owe a debt, especially one I have no knowledge of. I will be attaching the email, dates and how many communications I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the date below : Creditor : XXXX XXXX  ACCOUNT # : XXXX I was never late 30 days in the month of XXXX 2017. I am not sure how this happened. I have always made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit card

A XXXX form was sent to an address XXXX XXXX XXXX, XXXX TX XXXX. I have never lived in a city or at that address. The individual who lives at that address contacted me and forwarded me the XXXX form. I have contacted CHASE credit card to inquire how and why this happened as I have lived at the same address XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX for 13 years. After several attempts to speak with chase and understand who authorized the address change they said they do not know how or why the information was sent to the 3rd party and that they do not keep records for that information but that they were sorry it happened. Chase bank reps do not want to discuss the matter with me and I feel they are trying to hide how this event occured.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and Inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XX/XX/XXXX- The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized XXXX XXXXXX/XX/XXXX - The inquiry was not Authorized US SM BUS ADMIN XXXX XX/XX/XXXX XXXX The inquiry was not Authorized XXXX XXXX  - XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX  XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX XX/XX/XXXX - The inquiry was not Authorized XXXX XXXX  XX/XX/XXXX - The inquiry was not Authorized XXXX XX/XX/XXXX- The inquiry was not Authorized ACCOUNTS : XXXX XXXX  XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX - This account has never been late, update this item to paid as agreed XXXX XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX  XXXX - This account was never late, update this item to paid as agreed XXXX XXXX XXXX- Not reporting accurately under 1682e ( b ) XXXX XXXX  XXXX - UNDER 1692j, cease and desist asap XXXX XXXX- Not reporting accurately, it says open but collections ? Delete this asap 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: 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

Experian has incorrectly reported false information which I have disputed twice with only 1 change. A charged off account was reported as late/ written off for a full year while debt was already sold to a third party collector. I filed a dispute which updated the status to charged off but still falsely reported who owned the debt. The XXXX off XXXX was re-aged by 2 years and Incorrectly reported for XXXX total. XXXX charged off my XXXX and sold my debt XXXX. It is being reported as Charged off in XXXX and falsely reported by XXXX as their own debt. XXXX was sold and paid to another company XXXX and has not been reported as such. Experian has been closing out my disputes QUICKLY ( sometimes XXXX ) without proper investigation and does not provide their methods of investigating.
Product: Money transfer, virtual currency, or money service

My Coinbase account was blocked. On XX/XX/XXXX. I received an email from Coinbase that the block had been removed from my account. It never was. On XX/XX/XXXX I was told again by email my identity could not be verified and they wanted a copy of my drivers license, that they already had along with my Passport. I sent no less than 3 copies of my Drivers License it was accepted by the computer and said it was satisfactory. On XX/XX/XXXX I tried to sign into my account, it is still blocked. I sent the required documentation, my Passport, it was accepted yet my account is still blocked. On the same day I filed a customer service request to restore my account I have not received a reply. I tried to call but they do not have a customer service for anything except for accounts that have been compromised. I have been trying to have my account unblocked since XX/XX/XXXX. Two years and four months. This is my case number I received on XX/XX/XXXX Case # XXXX - Account blocked
Product: Mortgage

I went to closing XX/XX/XXXX. I was recently informed why my FHA loan to be insured was rejected XX/XX/XXXX because of the wrong appraisal was submitted. I want a copy of the FHA rejection letter for my record stating the wrong appraisal was in fact submitted. I want all documents from FHA regarding why my loan wasnt insured and also any suggestions FHA department written to rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my personal information on my credit report corrected since XX/XX/2022. The names, address are all incorrect. Can you please assist me. All help is appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

While waiting for my unemployment, I was laid off due to COVID. 
I called the company to arrange a later payment due to the pandemic. They understood and agreed. I have since paid everything up. This is my only late EVER on anything and I can't believe this was put on to my credit report. 
I checked my credit today, and I have a late on my report. I want this removed.
Product: Debt collection

I sent a letter out XX/XX/2018 to verify this debt and I havent received any reply. I sent another letter out certified XX/XX/2018. 
It has been 30 days.
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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected rights to privacy and confidentiality under USC1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 u.s.C section 604 A section 2 : states consumer reporting agency can not furnish a account without my written instructions. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information.The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX reporting inaccurate on XXXX and experian inaccurate dates amounts payment status on my credit file please remove account the item was sold by the creditor and it was written as 100 % payment history current so why is it still reporting A collection or repo on my file. 

XXXX Bank XXXX reporting inaccurate on all XXXX bureaus please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion- The following accounts are reporting inaccurate information on my credit profile. 

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account.