23daVinci/CFPB_Complaints huggingface dataset:
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 consumer 's right to privacy. '' XXXX and 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. '' PORTFOLIO RECOVERY is a financial institution by definition under that title. 15 USC 1681 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. '' PORTFOLIO RECOVERY the financial institution and the Consumer reporting agencies XXXX and 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, XXXX, PORTFOLIO RECOVERY 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 - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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 $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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 XXXX  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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. 

The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. 

" On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Removed from report on XXXX XXXX XXXX XXXX They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. 

XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. 

There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Thank you for your help.
Product: Money transfer, virtual currency, or money service

I want all Monies that was reported to be Refunded.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Transunion allowed a duplicitous debt collection company named XXXX XXXX XXXX to put a derogatory report on my credit report. XXXX XXXX XXXX are known for being dishonorable and crooked. I don't even know how they got my social security number because I never had any dealings with them. I paid the debt off with the original " XXXX XXXX XXXX XXXX XXXX '' so XXXX XXXX XXXX should not be on my credit report in any way.
Product: Checking or savings account

While using Wells Fargo 's mobile application. I had successfully deposited four checks into my business checking account. However, when I deposited the fifth check for XXXX dollars, Wells only added XXXX dollars to my account. It is hard to have faith in a bank that is effectively stealing from your business. This comes shortly after I was left unable to pay my credit card at the beginning of the month due to Well 's failure to allow access to those funds. Millions of people, including myself, were forced to come up with an immediate solution on no notice. I was fortunately able to do so, avoiding the massive interest that I would have otherwise have incurred. For those who were not as fortunate, I would like to ask on their behalf, who is going to foot the bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) 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 an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX -XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/XXXX, I had balance of XXXX. I noticed it lowered to XXXX ( XXXX lower ) after someone was sending me XXXX. The XXXX has no transaction tied to it. The XXXX has not been added to my account even though the app shows it was completed- it was not. I contacted them through the app XX/XX/XXXX and no one has helped me since- Its now XX/XX/XXXX. This is not the first time this has happened. I need my money.
Product: Debt collection

I finally received the documents from said company end of XXXX and faxed them over to the number listed on the package. I have yet to receive any correspondence. This was faxed over on XX/XX/XXXX. Please respond to my dispute this inaccurate collection from my report. I do not owe national grid this money and should not have this listed on my credit report. Please see the previous complaints. I have provided all necessary information and have done as requested but your improper use of stall tactics is keeping me from accomplishing my goals in a timely fashion. I have attached a copy of the fax that was sent.
Product: Credit reporting or other personal consumer reports

XXXX and Prestige Financial are conspiring to keep inaccurate information on my credit file. I filed for bankruptcy in XXXX XXXX Prestige has updated the account to show as a charge-off with no information about the bankruptcy in addition the charge-off amount is XXXX XXXX but they are reporting past due XXXX XXXX. I have previously disputed the past due amount with XXXX, Prestige and filed a complaint with CFPB in which I was provided a half-hearted response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has Federally violated me as a consumer by reporting information on my consumer report without consent from me XXXX XXXX the consumer, Federal law states a consumer report does not report transactions or experiences between the Consumer or Person making the report Per 15 USC 1681a., Federal law also states any nonpublic information pertaining to the consumer must be protected with privacy unless consumer gives consent, I never gave Experian consent to report defamatory and false statements on my consumer report. Furthermore, Experian has never contacted me to investigate any information on my consumer report which means they are in violation of Federal law.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are consumer reportingagencies 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 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 non public personal information. '' Any and all consent to Equifax, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, 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 unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to these agencies never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) also 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. '' These accounts are adverse items 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 undersection 1681b of this title.

these consumer reporting agencies are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I have opted out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On Thursday, XX/XX/XXXX, Experian responded, but it is not satisfactory. Experian must MANUALLY investigate my credit - worthiness for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to accurately record my FICO score. I monitor my credit regularly. My FICO score has not moved and remains dormant since XX/XX/XXXX/XX/XX/XXXXbecause of their product failure. I joined the Experian product brand XXXX   to digitally access my utility bill payments to XXXX XXXXy credit score. Experian 's product has failed. Over the past several months, I contacted Experian several times, but I am unable to reach a representative to no avail.

Experian is falsely advertising a product that does not work and failed. I want my credit score updated for the past several months mentioned and to terminate from XXXX  without losing my FICO score accumulated to date. Exactly a year ago, I logged a complaint against Experian because they removed over 20 FICO points from my credit report and I still do not understand why. 

Thank you.
Product: Credit reporting or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian and XXXX credit bureaus. 
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX.
Product: Mortgage

Please remove Loancare charges off my credit. Attached is Loancare discharge Mortgage doc, Loancare payoff statement, Loan pay off wire transfer and the house Closing Disclosure. After spoking with Loancare customer service two weeks ago the account was showing as closed and paid off. They confirm that they have a glitch in their system, and they mark the account as closed and paid off on XX/XX/20. then I guess their system automatically keep posting that this account not paid in full because no one went in the system to correct I manually.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment in the amount of {$1900.00} and the agent said that my charging privileges would be restored on this card. I have 4 cards and they were all behind on payments which the agent and I discussed prior to making the payment. The agent assured me that I would be able to use the card on my vacation after the payment cleared from my bank in about 2 days. I was not able to use the card and I called Amex to see why, the agent said that she needed to call my bank and confirm the payment was taken out, we did a 3 way call and verified that in was taken and applied to my account. She then tried to release the hold and restore my charging ability but she could not. She elevated it to a supervisor and that I should call back. When I called back they said that they would not be able to restore my charging, because the other accounts were in default and offered me a full refund of the payment since the payment was made under false pretense. They reviewed the recorded conversation with myself and the agent and agreed that he was not truth-full when I made the payment and assured me that the refund was issued. When the refund did not arrive in the mail within 10 business days I called back and they assured me that refund would be deposited directly to my bank account and apologized for the delay. I gave them my account information and it was supposed to arrive in 3 - 5 business days. When it did not arrive again I called and another supervisor assured me that it would be refunded by mail and that I would get it in 7 - 10 business days. 3rd attempt dated XX/XX/XXXX, ref # XXXX. As of this date American Express has not issued my refund as promised. They have not restored my charging privileges and have been dishonest in their business practices on several occasions. I would like to have my refund refunded. Several times members and supervisory members have been dishonest and not truth-full in the way they have interacted with this consumer. Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit it is my understanding that you will investigate these item for me to ensure accuracy HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : I AM NOT LIABLE FOR THIS DEBT WITH : 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  THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION IT LIKE ASKED IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506 TITLE VI SECTION 611, PLEASE PROVIDE THE NAME AND BUSINESS ADRESS OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTE YOU THANKS
Product: Credit card or prepaid card

Khols close account due to Covid-19 and they are not working with me. The bill gets higher everyone I call. The hardship is high and I am a victim of disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from my report.
Product: Credit card or prepaid card

[ If this section has lost its formatting, please see the file " XXXX. Amex - XXXX to XXXX '' ] American Express has acquiesced, 3 times to : XXXX. Violation of US Code 1601 ( transparency with credit transactions ) XXXX. Consumer fraud, XXXX. Contract fraud, XXXX. XXXX fraud, and XXXX Credit card fraud Here is the context : I sent XXXX letters to the American Express XXXX XXXX requesting transparency with my credit transactions. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX His XXXX assistant XXXX XXXX responded to my request for transparency by assuring me Amex complies with all regulatory agencies and I must pay my bills as per the Cardmember Agreement. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX assistant XXXX XXXX XXXX responded to XXXX XXXX letter by asking them to respond via affidavit, under penalty of perjury, to each of my questions. I offered 21 days from the date of receipt to respond, making it clear failure to respond is acquiescence to those XXXX things listed above. I also offered the opportunity to request an extension, should they need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a similar letter with identical questions, as well as a copy of my letter to XXXX XXXX. I extended him the same 21 days from the date of receipt to respond via affidavit under penalty of perjury. I made it clear that failure to respond is acquiescence to those XXXX things listed above. I also offered him the opportunity to request an extension, should he need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a copy of my previous letter, as well as another copy of my letter to XXXX XXXX. This time, I extended him XXXX business days to respond via affidavit, under penalty of perjury. I made it clear that a lack of response would be construed as XXXX XXXX time acquiescing to the XXXX things listed above. 

XXXX XXXX, XXXX response : I received a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/2023. His letter simply stated Amex complies with all regulatory agencies and that I must pay my bills on time as per the XXXX XXXX.
Product: Debt or credit management

ClearOne Advantage took money toward Debt Consolidation and didn't perform their due diligence. I canceled the program and asked for a refund of all moonies in my account and since XX/XX/24 the account has gone down {$100.00}. They have not sent me any refund yet.