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

I have read Experian 's response to my complaint dated XX/XX/2020. Yet my question wasn't answered about them claiming I have 1 delinquent account " hurting my score. '' I received Experian 's credit report by mail. The credit report is absolutely correct, with 100 % of the accounts in good standing and zero accounts are delinquent. I thought for sure Experian would update my profile. I have a monthly active membership with Experian so I figured I would log in to see. Sadly, here is what I found on my profile page with experian : XXXX Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. 

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator 1 account The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the FICO Score. Most late payments stay on your report for no more than seven years.

Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


Few accounts paid on time You have few accounts that are in good standing. 

Number of your accounts currently being paid as agreed 7 accounts The FICO Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.

FICO High Achievers have an average of 6 accounts currently being paid as agreed. 

XXXX**** Let me make it simple. Do I have a serious delinquency? True or False?

Is your credit report that shows I have zero delinquent accounts accurate? True or False? Side note : I keep my own records, I have never been delinquent in my entire history, and Experian 's report indicates that fact correctly. 
You say, " FICO High Achievers have an average of 6 accounts currently being paid as agreed. '' Is that statement true or false? I ask, because I have 7 account in good standing, which is MORE than 6, but still somehow it is " hurting my score?? '' Thank you in advance for clarifying the contradictory statements in my Experian credit profile and then correcting them to be accurate and non-contradictory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a long time now and all I wanted is to have this account removed from my credit report. XXXX XXXX XXXX ACCT # XXXX****I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated .The credit bureaus have failed to show me signed documents showing that the account belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me. Please help do something about them.
Product: Credit card or prepaid card

Goldman Sachs charges double interest : interest for the month in which a late payment was made, and interest on the total balance of the next month, even if the balance of the previous month was only paid one day late and the entire balance of the second month was paid in advance. This method of charging interest is unlike any other major credit card issuer, is surprising, not disclosed to consumers until after it happens, and deceptive. 

Further, the bank does not mention that the second interest payment can be avoided by not using the credit card in the month following the late payment ( I think that would avoid the interest ). Instead, Apple simply says you have to pay the interest for the second month.
Product: Credit reporting or other personal consumer reports

National Credit Adjust placed a collection on my account. I requested proof that this account is mine via XXXX XXXX mail, and they received this request on XX/XX/2023. I have a signature card from the XXXX. Postal Service showing that they received the request. 
They failed to respond at all and have provided no validation of this debt. After 30 days with no response, I sent proof of this request to all XXXX credit bureaus : XXXX, XXXX and XXXX. I sent these credit bureaus copies of the letter sent, postal receipts, tracking information, and signature cards showing that this debt collector received my letter. 
Despite the fact that I sent proof that I reached out to this debt collector, the credit bureaus refuse to remove the collection from my reports. They claim that National Credit XXXX has sent them validation of the debt, and even though NCA won't send anything to me, they won't remove the collection account from my report. 
When the credit bureaus notified me that they wouldn't remove the collection from my reports, I called this collection agency asking for proof of the debt. They acknowledged that they received my initial request for validation on XX/XX/2023. They also falsely claimed that they have 90 days to respond to my request under the FCRA. They only have 30 days, but regardless, it has already been 90 days and they still haven't responded. 
During the phone conversation with their representative, I once again requested that they send me proof that this debt is mine. Still, they have sent nothing. 
Under the FCRA any company that places a collection on my report has to provide proof that the debt is mine within 30 days after I request that information. If they don't, the credit bureaus have to remove that information from my report. The credit bureaus have refused to do so despite my attempts to obtain validation. 
Please assist with the removal of this account from my credit report. I have acted in good faith trying to obtain validation of the debt, and it is not only unfair that only the credit bureaus have been given this so-called proof, but it is also financially damaging to me.
Product: Credit card or prepaid card

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Checking or savings account

i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XX/XX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XX/XX/XXXX. 

I applied the account with XXXX XXXX ( XXXX ) on XX/XX/XXXX and submitted request to XXXX on XX/XX/XXXX. $ XXXX assets was successfully transferred on XX/XX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/2023 Subject : Notice of Dispute I am writing to formally dispute the accuracy of the information contained within my credit report maintained by Experian. 
I am a victim of identity theft. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I hereby request that you block all of the fraudulent information on the police report and listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act.

I have conducted a thorough review of my credit report and identified several inaccuracies that require immediate attention. The following accounts and late payments were reported without my authorization or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I DO NOT CONSENT TO AUHTORIZE TO PUT A FRAUD ALERT ON MY CREDIT REPORT PLEASE REMOVE AND BLOCK IT TO MY REPORT.
Product: Checking or savings account

Busey bank claims they closed my account but I had requested to close account after switching financial institutions. I come to find out 2 years later that they sent my account to collections for an unpaid balance and have been charging me fees. I have never been made aware of this prior to last Thursday. I have reached to fork with and see if any fees could be waived but they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  WI XXXX : Ref : XXXX XXXX inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but XXXX XXXX and Experian continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however Experian has one and XXXX XXXX has 4 even adding items that shouldnt have been added back to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Product: Mortgage

I made my mortgage payment to Ocwen Loan Servicing , LLC on XXXX XXXX, 2015 and it still has not been credited to my account. I have made numerous attempts to provide proof of the payment, but they will only accept a revolving bank statement as proof. My bank does not provide such a statement. I have sent them 3 months worth of bank statements so that they could trace my balances themselves if they think that I was somehow manipulating the data on the XXXX statement. I have also provided a copy of a screen shot of the payment that my bank provided to me when I went into the branch to get proof of the payment. They are extremely uncooperative and rude to me when I try to get this resolved. I have sent information to them on XXXX occasions and made XXXX phone calls and still it has been over 3 months and it is not resolved. This is affecting my credit and they keep charging me late fees and continue to make harrassing phone calls to my home. I just do not know what else I can do at this point. I have now had to contact an attorney for help in getting this cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX Ryman Place XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA term investgative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Please remove these items from my credit report immediately Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.
Product: Credit reporting or other personal consumer reports

My personal information was part of data preach by Equifax I've contacted the XXXX bureaus about my concerns to no avail the following accounts are as follows need to be removed immediately XXXX XXXX Account # XXXX Flex card is reporting as a individual when it is a business credit card, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXccount # XXXX and XXXX XXXX hard inquiry all of this was not authorized by me which show incorrect info the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never my address and when contacted the creditors none of them could validate me owning this debt. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the address they have has never been my personal address. Please have all XXXX bureaus remove this info from credit file I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry from Wells Fargo XX/XX/2024 on my credit report, which I did not authorize. Upon discovering this unauthorized inquiry, I contacted the number listed on the credit report. However, they requested my social security number, which I was unwilling to provide. Consequently, I filed a complaint with XXXX. 

XXXX promptly responded the following day, indicating that Wells Fargo claimed to have obtained my permission. I unequivocally deny ever granting such permission. This unauthorized inquiry has adversely impacted my credit score. 

I am seeking assistance to have this negative mark removed from my credit report and, if possible, to pursue legal action against Wells Fargo for this unauthorized access to my credit information
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting

I have a Public Record on my credit profile that is inaccurate in its filing. The derogatory is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. Although the procedure is dismissed, the credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. I have a right by consumer law to have knowledge and/or document of WHO VERIFIED!!! This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Checking or savings account

I simply asked them to close my saving account and transfer {$300.00} that was in there to my checking account. 
It has been 2 months and these idiots havent given me my money. First they said it was transferred to my checking and then they reversed it. 
I have filed XXXX CFPB complaints and they keep closing that saying that they are sending me a check. Finally I get a check and I deposit and and then that is reversed as well as they put a stop payment on this check. So I have no clue what these idiots are doing. When I call them, they keep transferring me from one department to another. I have a voice mail from XXXX or XXXX from their so called XXXX Executive customer service that this check is good and they are closing the case, but of course they were lying again. 

XX/XX/2023 Telephone transfer to XXXX XXXX XXXXXXXX XXXX - {$300.00} {$200.00} XX/XX/2023 Telephone transfer from XXXX XXXX Account transfer {$300.00} {$500.00} XX/XX/2023 DEPOSITED ITEM RETURNED Stop Payment XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$300.00} {$200.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX | Deposit {$300.00} {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from US District Court that stated they do not release any information related to my bankruptcy. 
I then requested that Transunion, XXXX, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? A few of the mentioned accounts are incorrect, causing me some discomfort.
Product: Checking or savings account

On XX/XX/2020 I finished the process of opening an account with Discover Bank. Over the next few days, I deposited into my account what was worth {$2300.00} in checks. On XX/XX/XXXX, I received an email saying my account was suspended due to suspicious activity and I needed to contact Discover immediately. After contacting them, submitting further information to prove my identity, I spoke to several employees. One of them told me she was having specialists assess what was going on and that they would contact me later that day or early the next morning ( XX/XX/XXXX ). By around XXXX  on the XXXX, I had still not received any notification from Discover so I called myself. I spoke to an employee who told me my account had been permanently closed due to a business decision and that they would send a check eventually. Later on that day, I called back to ask some questions, specifically about if there is any way I can find out the exact reason why my account was closed and when I will be receiving my {$2300.00}. The employee speaking with me said that the business decision could be a number of reasons and that the reason why is not disclosed to him. He also told me I need to wait 60-90 days to receive my money. I have received NO correspondence from them about what is going on besides the original email on XX/XX/XXXX. I am not sure what to do, if there is even anything I can do.