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

I would like to file a complaint on both agencies XXXX and Experian for reporting inaccurate information in regards to one account XXXX XXXX XXXX XXXX XXXX I have gotten results back from both agencies and both agencies are reporting two different XXXX  removal dates within a 2 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. XXXX results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice XXXX XXXX XXXX that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. trasnunion had failed to fix the month and year of the removal datee because the date remains the same. I've never once denied ownership of this account with XXXX and experian, my disputes have always been based on inaccurate reported information. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX Experian results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied me with results but both results reflect different XXXX information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accurately with respect to any delinquent account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what XXXX XXXX has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX under 623 tracking XXXX and waiting for there response in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXXThis agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after aby reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT 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. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


EXPERIAN you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!!

( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, 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 below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account : XXXX XXXX ( Experian removed once then put back on my report ) 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Transunion, Please advise why youre reporting this inaccurate XXXX when the court confirmed via the attached letter that they do not furnish information, or anyone else for that matter. 

I have checked my XXXX XXXX Report and the XXXX does not exist. 

XXXX has also deleted the XXXX from my credit file as well. 

I have attached a copy of XXXX XXXX XXXX letter and copy of XXXX credit report investigations showing where bankruptcy was deleted on XXXX from my credit file. 

Lastly, a letter from the local XXXX courts. 

Please remove the XXXX from my Transunion credit report immediately!!! 

Please explain the methods you claim to have used to verify it when it doesnt exist. Thank you for your assistance. 

TransUnion continues to report the inaccurate information on the credit report. 

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

I have disputed XXXX via Equifax & XXXX, I have requested that XXXX VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to Honda. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted Honda and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by Honda Financial Services and within all honesty at our time of life the prospect of being bound to Honda Financial Services for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that Honda was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX my area code is still a XXXX XXXX XXXX which is simular to a XXXX area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2021. Since then, the account has been updated as a charge-off every month and has been paid and settled. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX XXXX : XXXX XXXX XXXX XXXX  Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from US BANK, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called US BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and US BANK with no successful resolution. XXXX XXXX, and XXXX reporting me XXXX days late in XX/XX/2020. There was an error on their part. I was never XXXX days late.
Product: Debt collection

Agency used derogatory, XXXX and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( Law Offices of Frederick Weinberg & Associates ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, XXXX ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with XXXX and XXXX debtors.
Product: Checking or savings account

My husband and I had a Checking account with USAA Federal Savings Bank for 20+ years. I got a text notification on XX/XX/2023 ( Saturday ) at XXXX from USAA stating that access to our account was restricted due to suspicious activity. We had been having problems for about 6 months with someone trying to get into our account, opening up a 2nd checking account, and we'd done everything they advised us to do with changing user names, passwords, and I had to get a new debit card. When I called them back on XX/XX/2023 to find out what was going on, they advised that USAA would be closing our account because the fraud attempts on our account. I told them I had just over {$900.00} in that account and I wanted to pull it out before they closed it and they would not all us to do that. The customer service rep at that time would not allow me to talk with someone in the Fraud department or a supervisor. He just continued to say they would be closing the account in 60 days and the reason they had to keep it open that long was in case any deposits came through, but nothing could be taken out. 
Our account should have been closed on XX/XX/2023, but to date it has not been closed and I still have not received the money from that account. I called them on XX/XX/2023 ( Friday ) and was informed the account was still open. After a LONG time with the customer service rep going back and forth with another department ( assuming the Fraud department ) I was told by the person I was speaking with that he didn't quite understand the technical problem, but he said my account would be closed in 1-2 business days and my money would be in the mail at that time. 2 business days was XX/XX/2023. I called them again today, XX/XX/2023, and was told my account was still not closed. The information just continues to be relayed through a regular customer service agent so I am still unclear what the issue is and have to sit on hold for extended periods. Today I spent well over an hour on the phone, again, with several individuals and was finally allowed to speak with someone in the Fraud department directly. I was told the same thing I was told on XX/XX/2023, which was that they would do what was needed so the account would be closed. This time, the person said they would not give me any specific number of days before it was resolved, but that she was the right person for this to be elevated to and she was working with senior staff to resolve it. If the purpose of leaving it open for 60 days is solely to allow for " deposits '' to be accepted, it make no sense to me why they could not have allowed us to take out our funds the day they contacted us, or send us our funds at some point sooner than 60 days. My husband has a lot of medical issues going on and our budget is tight, so even though it is only {$920.00}, not having those funds for medications, copays, etc., has created some financial hardships for us and we just want this resolved and want our money sent to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear, Equifax Information Services LLC On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b 2. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 3. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b 4. XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. 

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

After sending certified, return receipt letters to Equifax on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$310.00}, account # XXXX, requesting that I would like some type of verification for the supposed debt that was bearing my signature, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long Equifax is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Equifax, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Mortgage

XX/XX/XXXX of 2021 my wife and I started the refinancing process with Amerisave ( company based off Georgia ), the loan originator very friendly called XXXX XXXX which confirmed the interest rate at 2.65 % and a savings of $ XXXX  monthly on our new payment, we submitted all the necessary docs immediately as we new rates were record low and despite having multiple lenders on the phone that offered same deals we decided to stick with him as he was pretty helpful and convincing. We paid the {$500.00} fees right same day as we started the process, submitted everything asked within 12 hours every time XXXX asked for something and after 2 weeks communication stopped, we were contacted by XXXX XXXX the loan processor with a complete different disclosure that was more than twice the amount of closing costs, I questioned both and again complete silence. 2 weeks later XXXX XXXX the second loan processor reached out with the same scenario, wrong disclosures and again extremely higher closing costs plus now an increase on interest even though XXXX confirmed over and over not to worry about the interest spike if it ever happened as he'd be able to offset it somehow. Again I politely replied to XXXX and XXXX and the same thing happened, silence and no communication for another 2 weeks. I called and left voicemails, sent emails, and the last communication we received via email was about a week ago and again for a third time a new loan processor was CC 'd on the email called XXXX XXXX that had less idea than the previous 2 of what's going on. So far we've lost the opportunity of closing with a real and honest lender which we skipped as we chose Amerisave, the {$500.00} fees, {$600.00} for the savings we could've saved by closing within 30 days with a real and honest company that cares about their clients and the future losses we will continue to have due to their crooked way of operating which is a monthly {$300.00} until the rates hit rock bottom again probably on a next crisis who knows. Stay away from these guys, little I knew that on consumer affairs they have endless 1 star reviews and if you take the time to read them all like I did after the fact unfortunatelly they will all be similar to my experience.
Product: Debt collection

I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times t discontinue threatening me at work with legal Acton and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX and should learn to pay my bills. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Product: Checking or savings account

M1 Finance is where I have my XXXX IRA. I submitted a transfer to my linked bank with XXXX  XXXX XXXX and it said it failed. No other detail or information was provided. This has never occurred previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX XXXX has been added to my credit report for Experian, XXXX, and for XXXX. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.