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

This is not a duplicate complaint and this complaint due to the XXXX evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Experian Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from Experian but it turns out being refused or ignored. I have sent dispute to Experian before and they completely ignored my letter, eve thou I mailed all via certify mail with return receipts. Obviously, they really violated the law and my rights and refused to correct their blunder. Emotionally I'm completely down and I can't believe how Experian can disobey the law. 
So, XX/XX/2022, I went to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse. 
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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, credit repair services, or other personal consumer reports

I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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  The following inquiries were not and should not be reporting. 

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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: Checking or savings account

PNC refuses to allow approved 3rd party companies to access my bank account via XXXX, a well-known authenticator in the banking industry. This is unfair and is basically forcing me to find a new bank to get around these restrictions - which are unheard of at other banks.
Product: Debt collection

I owed a balance from XXXX. This went to collections. It was to have come off my report in XX/XX/XXXX. Before that happened, it was bought by another company. Now it looks like it is a recent collection. Which it is not. Getting denied for a lot. Credit score looks worse than it should. How can they get away with this?
Product: Credit reporting or other personal consumer reports

I just received my credit report for Equifax and XXXX, and they told me one of my XXXX XXXX loan accounts are not being reported by the bureaus.
Product: Debt collection

I was looking into XXXX to help build up my credit and basically what they have is you pay so much a month and then at the end of it you get the money that you put in I signed up and never actually went through with getting the card, the card was never delivered me. I never used it never even signed up. They say I signed up but never paid. Ive tried to write them emails now. Theyre on my credit report trying to collect the money and whenever I talk to them, they said you never even signed up so it just doesnt make sense. Its not right that they would go forward with signing up for a card that I wasnt even interested in. I just looked at it. An account never signed authorize savings plan or whatever it is, I tried to be nice to them. Ive disputed and they are business. I want it off my credit.
Product: Credit reporting or other personal consumer reports

Hello, Chase Bank has a nation wide banking error & is reporting business accounts to personal credit report in error. Chase does not report business credit card accounts to personal credit unless it's delinquent. I talked to Chase & they apologize for this error & said they would put in a request with the XXXX major credit bureaus, XXXX XXXX, XXXX XXXX XXXX for this account to be removed immediately. However, Chase 's error is causing extreme stress on me because their banking reporting error caused my credit scores to drop XXXX points & I have an over XXXX credit XXXX score on all 3 bureaus. Furthermore, Im in the middle of getting prepared to purchase real estate this month ( XX/XX/year> ) & my credit score being lowered extremely is devastating & will set me back tremendously, delaying me purchasing a new home!! Also, Chase didn't even have the courtesy to send any emails or letters to customers warning us of this error, I just received d notifications from the credit bureaus that my scores drop extremely! This experience is stressful & devastating, I have worked too hard to have a really good credit score & to get in a positive position to buy a home! I was already frustrated with Chase that every time I apply for credit, they pull from 2 bureaus both XXXX XXXX XXXX XXXX & I get 2 inquires instead of just one, every time & I spoke to a supervisor about this & she said to let her know when this happens so they can correct it but nothing has not been corrected & now this, this reporting error is a way bigger issue but Im just exhausted from Chase 's system errors. Thank You
Product: Checking or savings account

Made a dispute with bank my card was used without my permission but they denied me my claim and denied to returnfunds My Claim number is XXXX They denied my claim
Product: Credit card

Recently XXXX less than 1 week ago ) I was short of funds and had to take a cash advance on my capital one credit card. I received the necessary funds to repay the full balance of the cash advance and called to get the I formation on how to do this. When speaking to the representative, I asked him what the procedure was to accomplish this as I have always been able to do this in the past with other credit cards. " XXXX '' the representative insisted that this was not possible and stated that the payments are always applied to the lowest interest rate XXXX and then they would go to the highest interest rate charges after all of the other balances were paid XXXX. This is totally unacceptable and potentially criminal! So what they are telling me is that I will be paying 30 % on the cash advance until I pay my entire balance in full?!? I told the rep that what he was saying was wrong and he proceded to tell me that they ( Capital One XXXX WOULD not help me. I have already been charged XXXX separate {$10.00} cash advance fees, which I understood and acknowledged before I made the withdrawals, but what he is saying was rediculous! I told him that I was going to report them to a government agency, and he was very rude and still very unhelpful. 
I am certain that there are laws prohibiting credit card companies from doing this. Please advise me of my rights in regards to thisThank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX  not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting an account from XXXX on my XXXX and XXXX Consumer reports incorrectly. I have sent them correspondence to which they have totally ignored. 
They are showing an opening date of the alleged account as XX/XX/XXXX. This is an impossibility. I have resided at my current address since XX/XX/XXXX. An address where all of the bills are in my husband 's name. 
This is a blatant attempt to re-age old debt to keep the statue of limitations alive. 
They are also reporting the date of last activity as XX/XX/XXXX, yet they claim the account was not opened until XX/XX/XXXX. This is yet another total impossibility!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear, TransUnion Consumer Solutions Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Product: Checking or savings account

Got several unauthorized transactions in the span of a few minutes adding up to a few minutes which added up to about {$500.00} and when reported to the bank I was told that they were valid. In addition when my new card was sent I had several attempted transaction before the card was even activated. They were not willing to refund my money or give me any information from their " investigation ''.
Product: Checking or savings account

There are many issues involved in this case so ill start from the beginning. 
I spoke to a gentleman who accidentally deemed my account compromised by mistake and cut off all access of me using my money. I changed my number recently so the bank froze my access to pay pills or access money through XXXX  and digital wallets and all banks are closed until XXXX  and its XXXX.i dont have a card or the bank will not unlock my account or bypass whatever they have to, to give me access. I can still access my account online and via the app but i can only look at it. My wife, children and I need money to buy groceries and food and gas and its an emergency because we do not have any of those right now. We just moved back to the XXXX from XXXX and we dont have people who can help us. I was told i have to wait 5 days until they can unlock my account in which they made the error to cause this problem and im suffering from this. The emergency is that my family has to starve for 5 days until wellsfargo can fix their own error for me to be able to access my own money and feed my children is ridiculous and this is horrible this is causing great distress for my family and I and wish that someone could help resolve this issue please or contact someone who can help us. I called wellsfargo many times and no one knows how to fix the issue I have been treated poorly by representatives of wellsfargo included being hung up on. I was told to do many different things and nothing worked and its very stressful for me. Every call i was transferred 2 to 3 times ive spoken to the highest available employees, I spoken with tech support, and Ive even physically went in to the bank and they all turned me away and told me to wait 5 days as if this is not an emergency. Im very displeased and suffering from this treatment and the representatives of this bank have displayed insensitive and apathetic customer service and are again causing me and my family a great deal of distress.
Product: Debt collection

The amount the company is telling me I owe is incorrect and therefore can not be reported without being able to verify the debt owed is correct, the only for them to know the debt owed is correct if for them to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX XXXX  XXXX XXXX to pursue collection and their licensing number, that I am requesting from the company before reporting it as verified and mine. I have requested Pro-Collect Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents. 

If they are unable to provide the full contract and explain why they have charged a reletting fee of {$2600.00} when in the partial contract they sent me says a reletting fee is {$1100.00}, then they are unlawfully reporting this debt!
Product: Credit reporting or other personal consumer reports

I called TransUnion to talk about personal information that was not correct. I spoke with XXXX from TransUnion and he informed me that he could not access my credit report so therefore he could not remove the personal information that did not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate public record ( bankruptcy ) on my personal credit report. This information is incorrect and in fact XXXX has conducted a investigation and the results came back as deleted as this information is inaccurate! Equifax is stating they are getting their information form a third party ( XXXX ) but this can't be true! for one my personal information is surpassed and frozen so how are they getting this information. Further more I have a letter form the courts that states they do not verify with any credit reporting agencies or third parties! 

I am requesting the removal of this bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX XXXX., v. XXXX XXXX XXXX XXXX XXXX, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgement ASAP. 

Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has deleted the account from my consumer report thus supporting my claim. Pursuant to section XXXX ( b ) ( D ) I demand that this agency removes this item of information from all consumer reporting agencies immediately. Please see attached.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 i went to a XXXX dealership to lease a new car. I was told a specific bank was going to be my lender then i started to get emails from all these banks that ran my credit, 8 total!!! 
here are the names : XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never authorize any of these banks to get a copy of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

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

I filed a complaint with the better business bureau. The company has reported that I am am delinquent on a loan that they have admittedly blocked me from paying. They have lied about me making partial payments as well as my ability to pay online. For some reason at the height of the Covid-19 crisis the company blocked me from paying any amount online they indicated that I need to come in to the office to make a payment. I am being harassed by the company. 

In addition the company is a loan sharking company that prey 's upon the poor and disadvantaged. I was presented with a loan application that included all types of unnecessary insurances and and XXXX insurance etc. The staff is forceful and rude when inquiring about the additional charges. As a result of being able to read, and being educated I was able to tel them to remove the excess charges from my loan. However as a XXXX XXXX that works with at-risk populations. This company should be investigated for loan sharking and taking advantaged of low income people who have little or no options. Its really sad people like this exist. I can defend myself but what about the old person on a fixed income or the single parent or the XXXX veteran. These people make a living scavenging on the poor.