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

Experian, XXXX and XXXX are reporting inaccurate and false information on my credit report. 

Experian is reporting XXXX XXXX XXXX XXXX XXXX, MD XXXX that address would removed and put back on. I have also never lived at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

XXXX has reported that an account for XXXX XXXX with last date reported XX/XX/XXXX, Experian and XXXX doesnt show enough information for the XXXX XXXX account. Theres no balance, no high credit limit, the date of last activity for experian is XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is showing the dates of last active as XX/XX/XXXX on XXXX, how can that be if I filed bankruptcy years ago with this account?? Experian and XXXX doesnt have enough information about the count. Hey he dates of last activity are all mixed up, theres no information about the credit limit or anything. 

XXXX XXXX is showing that the account with XXXX was last active on XX/XX/XXXX. This is incorrect. XXXX is showing last active of XX/XX/XXXX and doesnt show balance for XXXX XXXX doesnt show any information on payment status or credit limit. There nothing showing what type of account it is. All this information doesnt seem like it has been verified because theres so much missing information. Experian. Shows that the account wasnt opened on XX/XX/XXXX and XXXX and XXXX show Date opened on XX/XX/XXXX. What information is accurate?? 

XXXX is postponing XXXX as open account type but the account status says closed. The accounts also show that theres no high credit limit but theres a balance due of {$84.00}! How can that be. Date last active is incorrect as well. 

XXXX XXXX is showing for XXXX incorrect and missing information. Theres no balance for no high credit limit, no credit limit. XXXX shows account status as other but Experian shows as closed. Experian also has the account as last reported on XX/XX/XXXX and a XXXX shows XX/XX/XXXX. What is correct? Why is all the information reporting differently? 

XXXX XXXX is showing for XXXX that the account is indeterminate? Who is verifying this information? The account type is left blank, high credit limit is left blank. There is too much information left blank. 

XXXX is posting that I have 2 dismissed chapter XXXX and one dismissed Chapter XXXX. They are all missing information Reference numbers are wrong for The chapter XXXX. They also are saying I filed at US DISTRICT COURT that is incorrect. The status is missing, the date settled is missing, the liability amounts are missing. 

For XXXX its showing that I filed a chapter XXXX at BK ... who is Bk? This information is inaccurate. The date settled for the Bks are incorrect. 

Experian shows all inaccurate account reference numbers. Dates settles are incorrect. 

All these accounts are in violation of the FCRA. They have you provide me with how they verified any of this information which leaves me to believe that they are not conduction reasonable investigations or following then procedures or obeying laws. 

Please have them remove all the accounts listed below from each credits report. 

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

XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX, XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XX/XX/XXXXand should have never been assigned to them for collection. XXXX XXXX XXXX   is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXXafter the account was discharged in bankruptcy.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. 

In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!
Product: Checking or savings account

on and/or around XX/XX/year> called usaa as I was unable to cancel the policies online.

as usual its so many games they play and expect customers to be at work with them.

I do not work for usaa and the hours it takes to do simple task, I am not a slave nor do I work for free. 

disable veteran dealing with my health I do not have time to keep with all the back and forth and paying for things I do not need. 

I obtain insurance from a reputable company and the house on record is going through deed in lieu foreclosure. 
USAA can contact the VA and discuss with them again never call me. it is always viewed as harassment it is the most stressful experience, so many employees that are not qualified and do not have an understanding of law, rules and regulations. 

It is clear that the training provided are not applied
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified THREE ( 3 ) reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ). 

For the account ( account name and number : ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

no actions were taken I will be writing a dispute letter and to keep disputing
Product: Credit reporting or other personal consumer reports

Social security is XXXX From XXXX XXXX my complaint is that experian and trans union has not removed the negative items off my reports on experian their one negative item and Trans u ion their three negative items .these items supposedly been removed from my reports I have a federal trade report on file. Please have Trans union and experian block these negative accounts and also on Trans union theirs four hard credit inquiries that suppose to be removed off my Trans union reports
Product: Credit reporting or other personal consumer reports

Request for Full Investigation and Verification of Credit Report Discrepancies ( YES THIS IS INDEED THE REAL XXXX XXXX ) I am writing to formally request a thorough and complete investigation into discrepancies on my credit report that I have raised multiple times in the past. Since my identity was stolen in 2012, unauthorized accounts, collections, late payments, and inquiries have appeared on my profile. Despite numerous attempts over the years to have these items properly investigated, the issues remain unresolved. 

XXXX years ago, my credit report directly impacted my ability to secure a career opportunity, and I am still dealing with the consequences of these errors. Despite providing police reports, FTC reports, and evidence from XXXX XXXX, which confirm that my personal informationincluding my driver 's license and Social Security numberhas been involved in multiple data breaches ( such as XXXX, XXXX, XXXX, and XXXX XXXX ), the disputed accounts remain on my credit report. 

I have repeatedly requested documentation verifying how these accounts were authenticated, including proof that my identity, signature, and authorization were used to open the accounts. Unfortunately, I have only received vague responses stating that the accounts were " verified '' and " accurate '' without any supporting documentation or evidence. 

This lack of proper investigation is not only frustrating but also a violation of my rights under the law. I am being unfairly held accountable for fraudulent accounts and inquiries that I did not authorize. As a result, I have been unfairly restricted from obtaining a new car, home, and, most importantly, a job at a credit union that I was offered and truly wanted. 

I respectfully request that you conduct a thorough, detailed investigation into the following accounts, inquiries, and past-due payments on my credit report that I have no knowledge of or authorization for. I require full verification and evidence of your investigation, including how these accounts were verified and authenticated. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- showing closed like it should on XXXX but others not Accounts are being taken off and placed back on my credit profile without any explanation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary documentation to resolve this issue. 

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

I am interested in disputing all inaccurate information on my credit report with experian. please remove all listed information that is hindering my file an not accurate on all 3 credit reports. please remove asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ).

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA.

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.
Product: Mortgage

I had a phone call with roundpoint mortgage XX/XX/year> and XX/XX/year>. I was recently on XXXX declared disaster forbearance. The receptionist said she can process the deferral to underwriters if I pay 5 months of mortgage payments. I am financially strained and do not have 5 months of mortgage payments. Next, she asked if I can repay the loan back in full and I do not have that ability either. I ask if she can do a phone screening like I had back on XX/XX/year> of my income, and monthly payment. She refused and couldn't connect me with underwriter or management. According to fannie mae, i should be eligible for deferral or loan mod.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing a corporate account from my personal profile and XXXX not only did n't resolve it they also refusing to dispute it again although they 've been notified that it 's a corporate account and should not be on my report
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I reached out to the company as I am in a state that was declared a natural disaster by XX/XX/XXXXand was looking to obtain disaster forbearance, due to the unexpected expenses that arose from the hurricane. The company tried to push me into a " hardship '' assistance program that would have negative impact on my credit, and reduce my credit worthiness. After explaining the following to the company " I am needing assistance that does not fall into hardship. The key difference is the protections provided that does not cause a negative reporting to my credit, which you have outlined is a possibility here if I accept your hardship assistance. '' They responded on XX/XX/XXXX by saying they would give me the relief which would last 60 days. After 9 days of no response, ( XX/XX/XXXX ) I reached out to the company to follow-up as it was nearing the date that I was going to be reported 30 days late day ( 20 days late at this point ), I did not receive a response until XX/XX/XXXX ( 28 days late now ) stating that they do not offer any sort of disaster relief and tried to again push me into the hardship program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX COLLECTION : XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX  XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was trying to work with Capital One previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to XXXX XXXX XXXX and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was defrauded out of {$790.00} when calling what was said to be XXXX  customer service I was told my account was in jeopardy & needed me to do a XXXX  transfer that would bounce back. That was not the case I felt very uneasy about it & should have listen to my gut the man instructed on me what to do & press I was under major stress & thought I was doing the right thing. Within an hour I contacted my bank & told them I believed I was being defrauded. I was right, they tried twice saying they messed up the first time. The Bank stopped the second but refuses to refund me for the first although I have screen shots of the banks message saying it would be reviewed since it wasnt a normal action on my part. They denied my claim twice. I am not a rich person & during a pandemic its caused so much stress & mis-trust in myself & Bank of America. They claim to protect their clients but me & thousands of others have been taken advantage of because of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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
Product: Credit reporting

I have account from XXXX XXXX XXXX listed on my account, which states opened XX/XX/XXXX and now it shows opened XX/XX/XXXX for amount XXXX and it has been more then 10 years and this item is old to be removed. I do not have a vehicle financed with XXXX XXXX XXXX. This item was previously removed off my credit history. This needs to be removed ASAP!