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

My name it's XXXX XXXX and I tried contacting Lexus nexus on a fraudulent act on there behave with false accusations on my DMV report. They have on XX/XX/2018 I was at fault in a accident. In which hand there is zero record of me being at fault for any accident. When I spoke to one of there receptionist on the phone they said an insurance company told them I was at fault ... That was not the case and how can they justify or take measures into there own hand by heart say with out getting facts. These accusations are making my insurance premiums sky rocket. Please help me resolve this matter with this company. I even went down to the XXXX WI Police department and they have no record of the accident they are claiming ... .Again my name is XXXX XXXX I live in XXXX XXXX WI XXXX and my phone number XXXX email XXXX. Last 4 of social security number XXXX ... .Thank you have a blessed day
Product: Checking or savings account

I tried to open a bank account recently and was denied. I'm unsure why I was denied because this would be my first time attempting to open an account at a major bank that isn't online. I have tried to reach out to the bank to get the item removed off of my background and remove my info out of XXXX. This has caused issues in my life as far as financial strain & not being able to get a loan during hardships. I have never signed or authorized for an account with PNC bank. I have filed a police report referencing the account and sent it to the bank in question. I need this information removed as soon as possible so I can gain my financial freedom back.
Product: Credit reporting or other personal consumer reports

Loan agreement was not conducted and adhered to as per original contract
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX BANK XXXX XXXX HAS VIOLATED MY RIGHTS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I have no knowledge of this debt and I never gave this company any of my information or signed any contracts with this company
Product: Credit reporting or other personal consumer reports

On my credit report I see a credit card I did not authorize and I have spoke with XXXX XXXX and they can't help me or assist and I am requesting this to be removed from my credit or marked as closed due to I have no knowledge and it's incorrect and a violation to FCRA " All must report accurate information or shall be subject to penalty '' I have made this my third and last request otherwise I shall file a Class Action as I have checked that XXXX XXXX is incredibly high in fraud and transactions as of any other bank.
Product: Mortgage

Were in the process of refinancing our home mortgage. There is a pre-existing, zero-balance HELOC that the new lender is seeking to subordinate to its loan. I have contacted my bank, HSBC, and was advised by its Special Loans group ( approximately XXXX2021 ) that the only way to get that done was to email XXXXXXXX XXXX to request that it be done. I made repeated requests by email with no response. Ive supplemented that with calls to the Bank itself, who, no surprise, disclaims any ability to do anything. 

The refinancing is important to my wife and me, and this lack of accountability and responsiveness can not stand. Appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act the list of accounts has violated my federal protected consumer rights to privacy and confidentiality. Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : XXXX. Account Name : XXXX XXXX XXXX. Account Number : XXXX. Has violated my rights 15 USC 1681 action 602A states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the record by 7 years. 15 USC 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 inaccurate
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX XXXX is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX and XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, Experian, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX And XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have called XXXX, equifax, XXXX about mis information and unauthorized reporting done to my reports. I would like all collections and inquiries removed from my credit report. I have gave no consent or authorization for this information to be reported in my credit reports.
Product: Debt collection

Person threatened me, if I didnt pay the bill. I never received anything from this company, and not my account. I hung up they called me back 4 different times.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Selene Finance, LP Attn : Loan Resolution Department Subject : Request for Urgent Review of Partial Claim Agreement and Credit Bureau Report Correction Hello, I am writing to formally request the immediate review of my Partial Claim Agreement, which I originally signed with XXXXXXXX XXXX XXXXXXXX prior to the transfer of my loan to Selene Finance. Since the transfer, I have faced significant difficulties in having my agreement properly reviewed by your office, despite my consistent efforts to provide all necessary documentation. 

On XX/XX/year>, XXXXXXXX XXXX XXXXXXXX confirmed via email that they sent all pertinent documents to Selene Finance. On XX/XX/year>, I personally sent the Partial Claim Agreement to your Loan Resolution Center again, yet there has been no acknowledgment or review from your end. Instead, my account has been marked delinquent, which has been reported to the credit bureau, affecting my credit standing. 

I have repeatedly contacted your customer service agents, who consistently assure me that a request has been sent to your management office for review. However, I have not received any follow-up communication, and my issue remains unresolved. During a recent call, I was told that my only option might be to pursue legal action, which I wish to avoid by reaching a mutually satisfactory resolution. 

I respectfully request the following actions : Immediate review of my Partial Claim Agreement as previously submitted. 
Correction of any errors reported to the credit bureau due to this unresolved matter. 
Confirmation of the steps taken to address this issue and ensure that my account reflects accurate information. 


Thank you for your time and cooperation. 

Sincerely,
Product: Debt collection

3 Accounts wrongfully claimed me as an account holder I contacted each XXXX XXXX XXXX attempt to have each one Closed XXXX XXXX XXXXBARCLAYS BANK XXXX XXXX  since these accounts have been defaulted contracts furthermore theres files have been created against my will and broke 18 U.S. Code 1028A Allowing my private information to be obtain without giving permission under this law I see to it that ALL information disclosed and reported whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Report # XXXX Consumer Report ( XXXX )
Product: Vehicle loan or lease

Well, to preface this im a young, unmarried XXXX so if anything I've written seems incredibly XXXX, chalk it up to that. ( TL/DR at the bottom ) Anyhow, I bought my first real car back in XX/XX/XXXX from a dealer in XXXX NC. I always wanted an XXXX   so I went and found a 13 for a good price, drove out there and brought it home. It was in good running condition, no noises or lights of any kind. About a month later I start hearing a creak from the rear right side of the car so I brought it into XXXX XXXX XXXX of XXXX to get it seen. The associate I was speaking with told me about the recall out on the 13 models for the valve springs which I knew was bricking upwards of 30 other people 's cars. I told him about my concerns and he reassured me that dealer had done 15 other recall jobs and none of those customers ran into problems after having the work done, so against my better judgement I gave in and let them do the " free '' recall. 

I came back the next day to find my car running fine, got the keys and drove home without a problem. About a week and a half later I could tell the vehicle was having trouble starting and made some different noises while running at times. I chalked it up to the noisy fuel pump problem but it only got worse. Eventually it went into and out of limp mode ( read CEL and TCL ) multiple times and I was definitely hearing new noises from the motor, almost like a rod knock. So I parked it, called the dealer and had it towed into the shop for repairs. 

I called in every few days to get updates on my car and the dealer keeps putting me off with excuses. The first week it was waiting on XXXX reps to look at the motor and see if it was due to the recall ( they said it wasn't, despite me not having any problems previous to the recall ). The week after that it's waiting for adjusters to look at it because it's still under warranty from the day I bought it ( 3 month, 3000 mi powertrain warranty ) and as of today I still haven't gotten an answer from the dealer nor the warranty company even though I make a point to call in every other day or so to make sure they're actually trying to resolve this problem. 

As of the last time I called in, that being yesterday, the rep from the warranty company said they need to reevaluate the cams because the tech at the dealer didn't break them down far enough to gauge whether or not it was an actual mechanical failure. That means for the time being I'm stuck without a running vehicle and leaning on my fellow XXXX to help me out with getting XXXX done. I don't mind waiting for people to get the job done right, but I can't help but feel like I'm getting XXXX  for not only faulty recall work, but a XXXX warranty that they're saying might not cover it, despite being well within the boundaries of it. Is there anyone I could call or talk to who could help speed things along? Anyone who can help protect me from having to pay a 2500+ dollar bill because of shady business practices? 

The warranty company in question is the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off a charge with Affirm through their collection agency, XXXX, which agreed to a settlement. This settlement payment was sent to Affirm on XX/XX/XXXX, and my account now reflects that it is paid in full, as confirmed by the electronic loan verification memo I received from the app. I submitted the settlement statement from XXXX to XXXX to update my credit report, but Affirm asserts that the amount on my report is accurate. When I called Affirm, they confirmed that my account is indeed paid in full but stated they will not update my credit report. 

I subsequently sent both the loan verification memo from Affirm and the paid-in-full statement from XXXX to XXXX for a reinvestigation . Both documents include all account information and indicate that the account is settled. However, Affirm maintains that the amount on my credit report is correct, despite my account showing as paid in full, and the memo and loan verification stating paid in full. 

I need assistance with this situation, as the company is refusing to update my credit report to reflect that the account has been settled. I have a recorded agreement with their collection agency for a settlement charge-off, and they are not honoring this agreement.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since 2016 but still JH portfolio Debt equities LLC Account XXXX still send me a letter for collection
Product: Credit card

In the Costco transfer from XXXX XXXX to CitiBank, existing XXXX customers were informed the balance transfer interest rate would reamain the same for the transfer balance. I was notified today that the interest rate on my ENTIRE balance ( new purchases and transfer balance ) went up to 25.49 %. I have disputed this rate increase with CitiBank, but frankly, do not expect a response in the next year or two. Customer service there is negligent and usurious. 

Is there recourse?
Product: Credit reporting

This is a new complaint, as an additional issue with Equifax, This is a NEW Issue - as there are IMMEDIATE and PERMANENT Changes they have made that are impacting me in such a harmful manner, and knowingly. 

The manual manipulation of my records has crashed my scores and in one day, from XXXX to XXXX -- - and in a PRODUCTION EQUIFAX Credit Reporting instance. Apparently the changes made against my record to resolve this issue were simply moved into an application, with no quality checks or inspection, Attached is my record in Equifax - Yesterday, and then TODAY when they went in and changed the PAY HISTORY segment of their application to show a CHARGE OFF Status as of XX/XX/XXXX, all while the DATE CLOSED remains unreported. 

This account has been closed for XXXX years. 

Equifax has indicated that there was no response needed to my disputes, manipulated the data residing in their database to such a point of inaccuracy that this record 's corruption is not reversible, or their technical team no doubt would have done it by now. Yet, although they are aware of the issue, and according to the FCRA defining their needed action to delete this account, have instead updated data that has caused my scores to DROP and in ONE day by XXXX points. 



There is an existing dispute with Equifax regarding the state of my account - within their records. I have asserted that the records are not juist corrupt - but at such a innacurate state - that they must be deleted. 

I am attaching of screen shot of what my account looked like on XXXX and then today - XXXX hours later on XXXX. 

1. XXXX is a closed account since XX/XX/XXXX ( on or about XXXX ) 2. XXXX was in a CHARGE OFF STATE at that point, or XXXX. XXXX should have a CHARGE OFF STATE indicator on my records in XXXX. XXXX does NOT have such an indicator, and in FACT now does have a CO state as of XX/XX/XXXX, which is wholly inaccurate as per the XXXX file specifications, that require this date/data to be equal to the actual date this account became in that state5. The account still, has no closed date - appearing as if this is current CO6. This manipulation/change by Equifax/XXXX has NOW caused my score to drop over XXXX pointsThis CRA is now responsible for literally, destroying my credit one day at a time, and with knowledge that - this account under the FCRA, has become so corrupt that they MUST remove it. 



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

In accordance with Fair credit act this creditor ( XXXX XXXX Bank XXXX has violated my rights. Under 15 US c 1681 section 602 states I have a right to privacy. 15 US c 1681 section 604 ( a ) section 2 it also states that consumer reporting agencies can not furnish an account without my written instruction. Under 15 US c 1666 b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert showing a XXXX late payment on my credit report in XXXX of 2022 from XXXX. 

When I first signed up for this account they were not reporting to the credit bureaus and as a matter of fact, that was one of the leading factors behind my using the company to make a purchase. This is my first time ever using XXXX. 

After I got the account they started reporting to the credit bureaus, and they didn't give consumers an option to opt out. I already felt that was a violation because it changed the age of my credit report and my utilization. It also reports as a consumer finance account and that carries a negative indicator on credit reports. Lastly, it's a short-payment account and upon paying off the loan I also took another hit from the account closing. 

On top of that, my truth in lending disclosure shows a different payment date from the one that they claim is the date they based the late payment on which can create confusion. 

I called the company and requested a removal of the late payment. A supervisor told me he would put in the request and I should hear back in XXXX business days, but almost immediately after I got off the phone I got an emailed response that seemed automated saying they would not remove the reporting. I sent back a lengthy email stating my cause and have not gotten a reply back form the company. I was originally told I would hear back by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 

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
Product: Mortgage

Wells fargo has been reporting that I am in home preservation since XX/XX/2020. 
I have been able to pay all of my payments and was not in forbearance. I am trying to Irefiance my loan and they will not give me a letter stating that I was not in forbearance. 

They are stopping me from refinacing and lowering my rate, I called Wells Fargo XX/XX/2020, XX/XX/2020, XX/XX/2020. XX/XX/2020 to tell them I am not in Forebearance.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM NOT A 3RD PARTY.I AM A NATURAL PERSON SUBMITTING THIS DISPUTE ON MY OWN BEHALF. 

I received two letters from Experian asking me for personal identifying information which was already submitted with my dispute.Experian asks for driver 's license, bank statements, full name including middle initial.social security number, date of birth and complete address for the last two years.I have provided ALL of the above and have attached them to this complaint as well. 

I am a victim of XXXX  and my request is to BLOCK the following information from my credit report within four ( 4 ) business days pursuant to Section 605C of the Fair Credit Reporting Act [ 15 U.S.C. 1681c-3 ] .I have attached FCRA Section 605C Self-Attestation Form signed by organization BELOVED whom is authorized by the State to make this determination.This is my SECOND request for the items to be blocked.The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX-ACCT # XXXX XXXX XXXX-ACCT XXXX XXXX XXXX XXXX XXXX-ACCT # XXXX Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

This is the third attempt and third request. I am making for the assignment of contract and the full forward agreement. This attempt I will release the ceae and desist until this is resolved. And now they can provide the documentation.