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

ubject : Experian Refusing to Remove Outdated Address Without Proper Verification Complaint Details : I am filing this complaint against Experian for refusing to remove an outdated address from my credit report despite my formal dispute and request for verification. The address in question is : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX I have not resided at this address since [ Year ], and it is no longer relevant to my credit profile. However, Experian has refused to remove it, stating that it is tied to a debt. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to verify the accuracy of the information they report, but they have failed to provide proper documentation linking this address to a valid and outstanding debt.

Steps I Have Taken : 1. Submitted a formal dispute to Experian on XX/XX/year>, requesting the removal of this outdated address. 

2. Provided supporting documents, including proof of my current address ( drivers license, utility bill, lease, etc. ) to confirm my identity.

3. Requested verification that this address is legally tied to an active debt.

4. Received either no response or an inadequate response from Experian, failing to provide documented proof. 



Fair Credit Reporting Act ( FCRA ) Violation Concern : Experian is required under the FCRA to report only accurate and verifiable information. If they can not provide proof that the old address is legitimately linked to an unpaid, valid debt, they are obligated to remove it. Failing to do so constitutes unfair and misleading credit reporting, potentially harming my financial standing. 



Requested Resolution : I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene and require Experian to : Provide proper documentation proving that this address is linked to an outstanding debt, OR Immediately remove the outdated address from my credit report if they can not verify it. 



Supporting Documents Attached : Copy of my dispute letter to Experian Proof of mailing and delivery ( certified mail receipt ) Experians response ( if any ) Copy of my credit report showing the outdated address Proof of my current address ( utility bill, lease, etc. ) XXXX failure to comply with the FCRA is unfair and needs to be corrected immediately. I appreciate the CFPBs help in ensuring that my credit file is accurate and fairly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax 's credit report, there is one account from XXXX  XXXX XXXX that does not belong to me. That account did not appear on my other credit reports. 

I filed two disputes to Equifax to have an account removed from my report ; however, Equifax did not fix that for me.
Product: Mortgage

The company will not provide a " Satisfaction of Mortgage " even though the debt is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a negative XXXX  XXXX credit card on my credit report and it does not belong to me the other two major credit agencies deleted account and handled everything properly but Experian can not seem to get it right! Experian removed the account a while ago once I sent in he details for removal and the police report and then suddenly I see it is back on my credit file again. I reached out to Experian right away and they refuse to remove it now and are continuing to ignore my requests to have this removed and have my credit file reflect accurate information. this is causing a great deal of harm to my credit score and upset within our family who will be homeless due to this credit scree and all the problems its causing,. I have let Experian know this and they have completely let me down and ignored me.
Product: Checking or savings account

I purchased a vehicle from a dealer in XXXX XXXX. I traded in my old vehicle and the dealer made arrangements to pay the lein holder Wells Fargo the balance due on the loan, which was {$11000.00}. However, Wells Fargo made an unauthorized withdrawal from my checking account, held by XXXX  XXXX XXXX, in the amount of {$11000.00}. This overdrew my checking account, which triggered my overdraft protection and erased everything I had in savings, leaving me virtually penniless. 

I have spent considerable time on the phone with both Wells Fargo and XXXX  XXXX XXXX and each entity suggests that I contact the other. I can not get either to return my funds and I can not get satisfaction.
Product: Bank account or service

Investors Bank, XXXX XXXX, XXXX NJ has continued to mail banking statements, XXXX Tax forms - to a former address despite my repeated requests. 
I have called their customer service line. I have met with the branch manager. I have met with the assistant branch manager. They have copied my license three times in the past seven months and assured me that they have corrected it ; yet they continue to send banking statements to an address that has been invalid for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and noticed a change. There was an XXXX XXXX Credit card on my credit report being delinquent. I called the merchant and they check the account with my SSN, name address and said i do not have an account with them. The account that is listed on my credit report is fraudulent. This must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX days, and I haven't received any response. This lack of action is really concerning. According to Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Debt collection

DEBT AMEX ACCOUNT DISPUTE XXXX XXXX XXXX XXXX Dear sir/Madam, I am writing to formally dispute the account listed under account number on my credit report with an amount of {$3500.00}, as I do not recognized this debt.this account is reported as charged off with a profit loss/write off ; However I have been receiving multiple collection attempts from this company.Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.
Product: Checking or savings account

On XXXX XXXX 2020 I received a refund from XXXX for an item I Purchased with my visa Credit Karma card which i have provided screen shots of The refund was issued was to post in 3 days I called Credit karma to inquire about why the refund has not been posted on the 3rd day Which today is XXXX XXXX 2020 I was told by customer service 2 different things one rep told me funds would not be made available till Monday XXXX XXXX which is unacceptable another told me That she does not see a refund issued on my account I called XXXX for a second time to see if they did issue the refund and i was told by their rep the refund was issued on the XXXX of XXXX I was also told by a representative at credit karma That i made using their visa card to release my personal banking and routing information for a refund which is unheard of for any type of refund They say Credit carma uses XXXX XXXX as their bank I called XXXX XXXX  and was transferred back to credit karma because XXXX wasn't able to access my account even though all transactions regarding my account goes through XXXX for routing purposes thru Credit Karma Credit karma should not be allowed to have access to people 's funds or money if credit karma can't even provide a customer with any kind of account information support or access to the customers actual funds a third party does they are not the bank XXXX is the bank and XXXX XXXX handles their customers not credit Karmas customers.If you have a credit karma account as a customer you have nobody to speak to in customer service who can accurately help you with funds or deposits made in your account This company should be looked in to as a whole as this is not the first issue I have had with them regarding funds in my account And I would caution anyone who reads this to never sign up with credit karma This company is not a safe financial institution to keep any of your funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting the accounts below get verified properly or deleted immediately, because the original balances amounts, date opened, status dates, original creditor name balance update dates and creditor contact information are not matching across all XXXX credit bureaus. I sent multiple letters over the course of 1 year requesting that the accounts below or verified. My Last letter was sent off on XX/XX/2022. I asked the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX, XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated 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 is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX XXXX/XXXX  # XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my loan number is XXXX and the property address is XXXX  XXXX XXXX XXXX, XXXX, PA XXXX. My loan was foreclosed while it was with Ditech in XX/XX/2017but the IRS says Ditech did not report the mortgage to the IRS. I need the XX/XX/2017 1098 mortgage interest statement but XXXX and Shellpoint say they can not see the info from Ditech since the loan was not active when they took over the portfolio. 

I'm requesting your assistance in obtaining my XX/XX/2017 mortgage interest statement from Ditech so that I may resove the issue they have caused for me with the IRS since they ( Ditech ) failed to report the mortgage to the IRS.
Product: Checking or savings account

Someone obtained my information and opened a checking and savings account with my email, name, address, social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Product: Debt collection

On  X/X/XXXX  I started paying  Works and Lentz  {$75.00} a month a total of {$3000.00} as of this day after being threatened to sue on first notice of this debt, threatened over the phone that if I did not pay at least this amount every month that they would have to proceed through legal actions. I never received a bill from the hospital. I had no acknowledgemention of this debt. I did however receive other bills from the hospital (   XXXX   XXXX   XXXX   XXXX   XXXX   etc. ) Which were all paid for. I was caught completely off guard when Works and  Lentz first c ontacted me and because of the manner of which they decided to address themselves I was to scared to question or do anything about it and did not know I could do anything about it. I have asked Account manager  XXXX   XXXX  from m Works and Lentz t o send me verification of this debt and account summary 3 times and have never received. The amount of this debt is currently {$11000.00} it started at {$14000.00}  Works and Lentz f irst received our account on  X/XX/XXXX . After already paying thousands to the hospital for the other bills and never even hearing about this one I was very upset that the hospital never even gave me a chance to try to pay this bill by never sending me anything about it and now this bill has hurt my  cr  edit score  significantly. Works and Lentz  reported to the credit bureau   XXXX   before even contacting me. The amount reported was {$13000.00}. {$1300.00} less then what they say I owe.
Product: Credit reporting or other personal consumer reports

I have been having the hardest time with Equifax when it comes to them updating my credit report. They have addresses and accounts and inquiries that are not mine. 2 accounts in question I know for a fact is not mine due to the addresses they have and Equifax refuses to remove them and provide proof via mail of accuracy. 

Even XXXX and XXXX has not provided contracts with my original signature. Digital signatures do not count as well as the addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reported my account being late for the month of XX/XX/XXXX. I have contacted them and they refuse to correct the inaccuracies. Attached you will find a copy of my payment history. XXXX XXXX  is illegally reporting information to all 3 credit report agencies. I was made a late payment of XXXX on XX/XX/XXXX and I made 2 payments of XXXX ( XXXX ) on XX/XX/XXXX. The balance of the loan even shows reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
XXXX!!! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
Transunion Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.
Product: Credit reporting or other personal consumer reports

ALL of the personal demographics on my Equifax report is incorrect There are multiple inconsistencies, obsolete and inaccuracies in my entire account section of my Equifax report. 
It has been incorrect for years with no resolution.
Product: Mortgage

I applied for a assumption with Nationstar Mortgage on XXXX XXXX, 2016 and as of today 's date they can not tell me whether I 'm approved or declined. I have submitted the documents requested more then once, changed the contract dated per the mortgage lender with Nationstar because it is out dated, and I signed disclosure as of XXXX XXXX, 2016 which I believe they are out of compliance. I have tried to speak with a supervisor of which no one can give me a name or number at the XXXX number or this mortgage lender. The original mortgage lender is now out of the picture and another person has stepped in. This person has asked for information that I has already given them and they still tell me that the wait time for a approval is 30 days from todays date XXXX/XXXX/2016.
Product: Debt collection

The Trellis Company is a collection agency that is requesting money from me that I have already paid and I have records to prove it. There was one other collection agency which was XXXX XXXX and they passed it to Trellis Company. Trellis Company took funds from my Social Security. I sent letters to them and they still continued to sent threatening letters to take my wages and any other monies. I think this is fraudulent and I'm willing to believe that other people have had this done to them. I am willing to go to court and I am writing this because this is what I am told to do at this point. 
I would advise anyone with a school loan to save all of their paperwork.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX, XX/XX/585975****** National Credit Adjust 991809****** XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AXX/XX/XXXXXXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX / XXXX XXXX XXXX XXXX XX/XX/DS CitibXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM Bus Admin ODA XXXX