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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX EXPERIAN XXXX. XXXX  XXXX XXXX XXXX XXXX : Last 4 SSN : XXXX To whom it may concern : On XX/XX/2020 I called Experian Dispute Center, talked with someone named XXXX in regards to removing a negative item from my credit report that had reached its, 7year FCRA removal date. Experian maintains this information under my Social security Number. While we were exchanging information on the phone he confirmed the item was removed. It would not be posted on any future, Experian report. Within 3 to 4 days after this removal, my Fico Score went from XXXX to XXXX. During this process I am in the middle of refinancing my home with a XXXX  VA lender and have agreed to a {$25000.00} Dollar cash out. All was good, until I check my Experian credit report as of the XX/XX/XXXX and low and behold, the item that was confirmed to be removed is back on my credit report. On the XX/XX/XXXX I received notice that my Fico score went back down to XXXX. The VA refinance lender reports to me I have lost my lock in rate also I am disqualified for refinancing and cash out due to the return of the disputed negative item and the loss of the XXXX Fico score. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( 0 ) ( ii ). You are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previous deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than5 business days after the reinsertion if, authorized by the consumer 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

This is a very serious violation of the FCRA, I reserve the right to pursue legal action for the blatant disregard for the law. I will offer you 3 options before pursuing legal actions 1. Within 7 days from receipt of this letter, raise my Fico Score back to XXXX 2. Compensate my loss of {$25000.00} dollars 3. Legal action will be pursued in XXXX County Florida, XXXX Circuit Court A copy of this letter has been sent to Cc : CFPB Cc : Attorney Generals Office Cc : XXXX  Cc : Veterans Affairs Office, Washington D.C
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has still been discovered that the credit bureau Experian is still reporting a inaccurate address on my report. I sent a letter certified with my identification showing the address that should be reporting. They stated my current address is reporting however they are stating that a previous address is still reporting as accurate. I am steady telling them that the alleged previous address should not be reporting. I contacted the companies that are reporting this inaccurate address and have advised them that the address they have is not reporting correctly. These companies have advised me that they do not show a previous address that Experian is reporting so why does Experian keep knowingly reporting inaccurate addresses? I also contacted the other two credit bureaus XXXX and XXXX they stated they don't have a previous address showing, they only have a current address. I have attached proof that this address alleged previous address are not reporting with the other bureaus. Everything being reported a consumer 's report has to be reporting 100 % correct and it is not. 

According to Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank for taking the time to read this. I have contacted trans union to remove the inquiries off of my account that I did not authorize, the representative said that they could not do that when I know that they can and that it is only right that they do seeing that I did not authorize these transactions. There are eight inquiries that need to be deleted youll see listed below. 

XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly showed up on my credit report today, and I have no clue why. I did my regular check, but this time there were discrepancies that I couldnt explain. I refreshed my browser hoping it was a glitch, but the inquiries didnt disappear. I urgently want this issue resolved as Im incredibly frustrated. Please review the documents Ive sent thoroughly so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Equifax to delete this false information from my credit report, reported by XXXX XXXX. They have investigated however the information provided by XXXX is repeatedly inaccurate and is not consistent. They have a delinquency date of XXXX for {$1.00} past due. This account was previously deleted from my account and in XXXX XXXX it appeared on my report as a collection account. I have written and requested XXXX to provide proper documentation showing all payments received as I have disputed the accuracy of their data to Equifax. XXXX has not provided me information or properly reported that information the credit agency. How can a company report past due debt and not report the date of last payment received? The alleged debt has monthly payments of XXXX $ and they reported the amount past due is {$1.00}. This amount would be more if my date of first delinquency was in XXXX. This information is wildly inaccurate. The information is obviously false and has been reported multiple times by XXXX despite several attempts to rectify the situation via Equifax and XXXX. Please has XXXX and Equifx remove this false information from my credit report immediately as it violates the FCRA of reporting inaccurate information. Equifax has failed to properly review the information from their investigation. The information is obviously false down to the dates, reported dates of past due amounts, amounts due.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

Credit cards were open using my personal information. As per chase they were an XXXX and freedom card. I contacted the bank when I was made aware of the fraudulent accounts. These accounts were open when I was in XXXX XXXX ( XXXX ) .The credit card company closed the old cards and reopened new credit accounts and charged me for it. I provided a police report and a bank statement to the fraud investigator because she asked for it. The fraud department is now asking that I provide them with my bank account information to help them with their investigation. I asked for proof that they couldnt provide. 

I need all credit card accounts in my name with chase closed and removed from my credit file as I never applied for any credit card with chase. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


NXXXX XXXX XXXX XXXX : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCE XXXX {$2000.00} STATUS : DEROGATORY ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

credit acceptance still reporting loan over XXXX yrs... they have refused to pick up vehicles.. ive disputed numerous time... the account to old to contiue to report negatively on my credit report...
Product: Credit reporting or other personal consumer reports

The social security number that is on my credit report is not mine also there should be absolutely nobody else on allowed access or have any kind of credit limits of any sort under my name and personal information I have no clue who XXXX is this is some one stealing my identity
Product: Mortgage

XXXX XXXX failed to make the payment to my homeowners insurance company. They lied about making the payment and when it was sent out.They have increased my mortgage payment substantially twice, within 2 months, with no notice or explanation. Calls to customer service result in representatives telling me I will receive something in the mail or that my account has not yet been updated to display the accurate disclosures. XXXX has not properly disclosed its practices as required by the regulations and is making misleading statements to conceal its practices, resulting in consumer harm.
Product: Bank account or service

Compass Bank Accessed a {$38.00} fee on XX/XX/XXXXfor {$10.00} despite the fact that I had a deposit of {$1400.00} in the account. The customer service rep I spoke with on a recorded line stated the put the {$10.00} through on the XXXX. They money was available as if the date. The recording clearly states the date. If the rep had stated the XXXX, that would be a different story. However, with the recording they can not back track now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and proof of residency with my current ant only address. 

XXXX ) XX/XX/XXXX XXXX # XXXX ) Inaccurate Reporting 2 ) XX/XX/XXXX XXXX # XXXX ) Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX # XXXX XXXX, NY XXXX This is now my second attempt trying to resolve this issue with Equifax.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report. 

I am demanding for the following accounts to be verified and updated by credit agency. All late payments be removed. 

I am demanding all inquires to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unverified Inquiry I am demanding the following late payments to be removed from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX22 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Debt collection

This is not a duplicate dispute To whom it may concern, I recently sent Experian a disputed document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The account shown above are duplicate collection accounts that were illegally put on my XXXX and XXXX reports. Both XXXX and XXXX have removed the XXXX account due to their fraudulent & illegal actions.. Multiple collection accounts for one assumed debt is an illegal reporting practice and so is falsifying addresses. 
2. The account shown above has different balance owed amount from other submissions on the XXXX and XXXX accounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
3. The account reported above are not my debit, and I have no knowledge of it.

4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX, I successfully opened an American Express Bluebird prepaid account. In XX/XX/XXXX, I received, what I thought was suspicious email indicating that my Bluebird account would be closed. I immediately contacted customer service to verify the authenticity of the email and was told that the email was fraudulent and that I should disregard it and not click on any links in the email. I deleted the email in accordance with the conversation with the American Express Bluebird representative. 

On XX/XX/XXXX, two whole years after the American Express Bluebird account was opened, and had been used multiple times throughout the years, I was advised that my account was being closed because compliance at American Express Bluebird allegedly could not verify certain information on my account. That's poppycock. 

The account has been opened for over two years and not once in those two years did anyone at American Express Bluebird ever notify me that there was an issue or problem with the account, or that information could not be verified. Now all the sudden there is a problem with the account information that allegedly could not be verified. 

It is apparent that the account is being closed for a discriminatory purpose on the account of my race, age, sex, national origin or other illegal discriminatory practice.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt
Product: Debt collection

AWA Collections was enlisted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to collect charges of over {$500.00} for a root canal procedure. I was told I had to pay {$900.00} upfront to XXXX XXXX before they would perform a root canal procedure. This was performed by XXXX XXXX, XXXX. The office was to preauthorize this procedure which would have been covered by my dental insurance. They did not pre-authorize the procedure. After the procedure was done, XXXX XXXX sent me a bill, since the insurance company denied the claim because it was never preauthorized. The dentist had damaged over {$5000.00} of porcelain veneers on my front teeth when she smashed into my front tooth and broke off the bottom, then filed down the rest of my front teeth and she refused to take responsibility and admit she damaged the teeth. She put a yellowish/grey colored crown on the front tooth that didn't match the color of the other front teeth, after I told her she needed to use a lighter color. I went back at another appointment to have it replaced and after waiting 45 minutes, the receptionist told me the dentist wasn't there and I'd have to make another appointment. They have not contacted me to reschedule and have refused to replace the XXXX  with one that matched the other teeth. XXXX XXXX submitted bill of over {$500.00} to AWA collections, which it now over {$700.00} due to the collection agency continuously adding on fees every few weeks. XXXX XXXX should have written off any remaining amounts they claimed were owed, due to their error/incompetence of not pre-authorizing the procedure, and for the thousands of dollars of damage they did to my other teeth.
Product: Credit card

My minor child used my credit card for over {$12000.00} of unauthorized charges within gaming apps through XXXX. When I initially reported the unauthorized charges, I did n't even know it was my child that had done it ; Citibank said we were not responsible for the charges. They refunded some of the charges and then declined to remove any more stating that we are responsible for misconduct of the child.