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

I received a credit report from Experian regarding a previous complaint on XX/XX/XXXX, Dispute Results Report # XXXX. It says to assist you in understanding summary, we have provided additional information that relates directly to items on your personal credit report. PLEASE REFER TO YOUR CREDIT REPORT FOR UPDATE. THERE WAS NO UPDATE. They don't explain what they call a FICO Score 8 as to why it dropped 62 points. They quote to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited time amount of your information regarding dispute. This dispute was made on XX/XX/XXXX, and dispute done on XX/XX/XXXX. That is not what they said in the reponse to my CFPB Complaint. On my credit report they are allowing XXXX XXXX under Status Foreclosed. This account is scheduled to continue on record until XX/XX/XXXX. They are allowing XXXX XXXX 's statement remain on my report that this account is to continue XX/XX/XXXX when it doesn't match their payment history. This item was was updated of your dispute in XX/XX/XXXX, again no update. As a consumer on a foreclosed property the date starts as of the the first deliquency date and stays on your credit report for 7 years. My first deliquency date was XX/XX/XXXX which shows on XXXX and XXXX and should be removed on XX/XX/XXXX. You as a credit reporting agency that see 's my credit report that XXXX XXXX will remove the foreclosure in XX/XX/XXXX, which is not true. I am tired of fighting with Experian and their dropping my credit score by 62 points. Their customer service reps don't know what their talking about and they are rude compared to the other bureaus. You as a credit bureau reporting agency are the worst for customer service. I may have difficulty speaking with XXXX   and XXXX but they are polite. I have my foreclosure coming off of Experian XX/XX/XXXX, XXXX  XX/XX/XXXX, and XXXX XX/XX/XXXX. So XXXX XXXX reports the wrong information and the credit bureaus are letting them report the wrong information. Again I never made a payment in XX/XX/XXXX and I want the payment of XX/XX/XXXX removed. I want you to see what they were reporting to XXXX which XXXX XXXX f/n/a XXXX XXXX XXXX changed when they took over in XXXX. Now see the company I am fighting to make them get my credit reports right to all credit bureaus!
Product: Debt collection

MS Services LLC has been harassing me and holding my credit file XXXX. They're attempting to collect {$350.00} from me for a debt I do not owe. They have not provided the original signed contract and refuse to remove the debt from my credit file. Due to them negatively affecting my credit I have been refused auto loans and credit accounts and have suffered many other damages due to their negligence.
Product: Credit reporting or other personal consumer reports

I sent each creditor GS Bank USA, XXXX XXXX, and XXXX XXXX XXXX all a letter asking for personal information regarding my accounts. They never sent me anything I will be uploading the letters that I sent to each creditor.
Product: Payday loan

I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. 

I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. 

This company practices are illegal in the state of Nevada and should not bee allowed to operate here. 

After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process.
Product: Credit reporting or other personal consumer reports

This Complaint is Being Filed Against XXXX credit reporting agency and JPMCB Card Services according to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' 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. The companies listed below are financial institutions by definition under that title. JPMCB Card Services. 15 USC 1681 section 604 a section 2 says 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. The company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says 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. The companies listed below ( JPMCB Card Services, 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 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 now exercising my right to out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX  XXXX Balance : {$2600.00}
Product: Debt collection

I refinanced my XXXX XXXXXXXX XXXX which I financed with PNC Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires. 

On or about XX/XX/XXXX, PNC responded and alleged that information furnished was correct, accurate and that they would not remove the 60 day late payments. ( See attached ) PNC in addition attempted to muddy the waters and deflect from the issue of the ( 60 ) day late payments and speak on my current late payment. 
PNC is a disgrace company who has taken predatory actions against my personal credit. 

PNC Executive Client Relations specialist, XXXX XXXX was assigned to investigate this matter. XXXX recited hearsay second hand information. She was not able to verify or give reference to any of the persons or parties that were part of her investigation, In addition, there were no dates included in her investigation to corroborate her investigation. XXXX XXXX alleged she was on vacation and did not respond to multiple emails of mine. Allegedly XXXX was on vacation when i received this response to the CFPB. I was not afforded my constitutional right to confront my accused or cross examine any parties that were part of this investigation or have a way to address any of the alleged information submitted by XXXX. ( See attached emails ) I intend to take this matter to the XXXX and US Attorney General 's Office due to this travesty. I continually suffer till today due to two ( 60 ) day late payments which were no fault of mine. PNC and XXXX XXXX were the only parties in control of this check, yet I am the only one who is suffering. I have missed out on loans and refinancing due to this. 
My rights pursuant to USC Articles and Constutional Rights have been infringed upon and I intend on using this complaint as prima facie proof for my lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions XXXX  XXXX XXXX XXXX {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to correct my personal information with XXXX, transunion, and XXXX.
Product: Checking or savings account

On or about XXXX  Capital One experienced some type of issues, I found out on XXXX  on social media ( in the morning ) there was no communication until after XXXX XXXX it was then I received a blanket statement about a technical issue. They are not answering calls and as of XXXX XXXX nothing has been deposited in my account but they are allowing money to be withdrawn with no issues
Product: Credit card

While checking my credit card balance at Wells Fargo, I saw a charge I didn't recognize. It was on XX/XX/23 in the amount of {$64.00}. The description says XXXX *KRUIZIN # XXXX I checked my XXXX account and found no such transaction had occurred, so I called Wells Fargo 's credit card " service '' phone number : XXXX. 
First call : After going through all their steps to insure it was me, including a voice recognition, I was informed that the address I've lived at for over 20 years was incorrect. I disagreed with the rep but she didn't care. I asked what address was showing on my account ( again, AFTER all the verification steps ) and was told that she couldn't give me MY information. I argued for a minute and ended the call. 
Second call : My address passed the test, it seems I DO live where I live, but the rep was unable to listen to me. She referred to this as me " doing business with the particular entity. She kept telling me I said things I didn't say. I told her to stop putting words into my mouth and she promptly hung up on me. 
Third call : I still seem to know my own address and my complaint was finally taken seriously. Charge disputed, new card on the way. It should NOT take 3 calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Money transfer, virtual currency, or money service

Good Afternoon. I am reaching out to you in hopes that my situation gets attention and that I can receive help. On Monday XX/XX/2020 I shipped a computer system for {$1600.00} to someone in Oregon. this person made me believe that he had paid me thru XXXX in order for me to ship the Computer. But this was not the case. I never received any funds and instead the same user posted himself as a XXXX representative. Later on, the that same night I received a fake email from XXXX stating that I had to wait until the parcel was delivered before I could receive the funds. ( {$1600.00} ). On Friday XX/XX/2020 The buyer received the computer, and I received a notification from the same Fake XXXX. Stating that my account had a limited and that the buyer had to send me the amount of {$3000.00} in order for my account to expand. Moments later I received a text from the buyer regarding the {$3000.00}. He agreed the send these in order to expand my account. when he did I received a notification in regards to those {$3000.00} stating that I had to send the buyer their {$3000.00} back via any other platform except XXXX. At this point I'm just thinking of doing the right thing and I send her {$2500.00} from my bank of America Account and {$500.00} from my XXXX XXXX Savings account. via XXXX. as soon as I did I was expecting " XXXX '' to deposit the sum of {$4700.00} that they stated was going to be credited in to my account = {$1600.00} from the computer, {$100.00} XXXX service fee and {$3000.00} that the sender supposedly had sent. When logging in to my XXXX account. these funds where nowhere to be seen. so i contacted XXXX thru the original app and they responded confirming that the XXXX that has been supposedly claiming to be XXXX was a fake account. at this point I got really upset and did not know what to do when I realized that I had lost {$3000.00} worth of saving and my computer. 
I decided to call my banks on XX/XX/2020 to see if they could reverse the transactions. They agreed to take my claim but stated that there is no guaranteed that I will receive my funds back. I really broke me the thought of not getting those funds and specially during this Covid-19 situation. I tried calling the buyer but the line appears to be disconnected. If you need a copy of any of this, I have all of this available.
Product: Credit reporting or other personal consumer reports

I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.
Product: Credit card or prepaid card

SYNCHRONY BANK WHICH INCLUDES WAL-MART ; QVC ; LOWES HAD SUED ME FOR NON-PAYMENT. I CAN NOT PAY A BILL WITHOUT GETTING A NOTICE IN THE MAIL. THEY HAVE CLOSED MY ACCOUNTS AND TURNED OVER TO COLLECTIONS. I HAVE DONE RESEARCH AND THEY HAVE DONE A LOT OF UN-FAIR PRACTICES. I WAS NEVER NOTIFIED THAT MY CREDIT WAS BEING TURNED OVER TO COLLECTIONS WHICH IS A VIOLATION OF MY RIGHTS ; THEY ALSO SENT REPRESENTATION TO A HEARING WITHOUT MY KNOWLEDGE THAT I COULD HAVE HAD REPRESENTATION ALSO WHICH IS A ANOTHER VIOLATION OF MY RIGHTS. THEY ALSO PUT THESE NEGATIVE ITEMS ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. THESE ARE JUST SOME OF THE ITEMS THAT THEY HAVE DONE WITHOUT MY KNOWLEDGE WHICH IS IN VIOLATION OF MY RIGHTS. I HAVE ALSO BEEN IN CONTACT WITH SEVERAL DIFFERENT CUSTOMER SERVICE REPRESENTATIVES TO MAKE PAYMENT ARRANGEMENTS AND THEY WOULD NOT WORK WITH ME SO THIS IS A REFUSAL OF PAYMENT WHICH IS ANOTHER VIOLATION. THEY ALSO TURNED MY INFORMATION OVER TO A THIRD PARTY WITH OUT MY ACKNOWLEDGMENT OR ANY NOTIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX misspelled my name and XXXX  and experian can't get my correct addresses EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ADDRESSES REPORTED XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is correct wrong address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX wrong name spelling XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING, LLC has sued me and got a judgment against me without me being notified in the 1st place of the lawsuit. It does not state who my original debt is with. I do not recognize this debt or the amount ( {$1200.00} ). Their lawyer, XXXX XXXX XXXX XXXX, are demanding personal information that I should not hand over until I know exactly what debt this is and the detail of the debt or proper notice of trying to collect the debt. 
This is improper practice and this company has a long history of unethical practices and having their lawyers harass people. They are behind their lawyers bullying and threats of judgments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 




In accordance with the fair credit reporting act I C System # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

The following credit inquiries were without my permission. 

Inquiry details 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

Checkr sent a background check to XXXX which caused my account to get deactivated by XXXX. The background check was not accurate and incomplete. It showed I had 2 accidents but did not specify that I was not the driver at fault in either accident and that I also stopped for an ambulance to get thru in the accident and the person behind me didn't see the ambulance and bumped me from behind. It even specifys this in the accident report from the police. It is nearly impossible to get thru to an actual person from XXXX or checkr to explain the inaccuracies reported. I've sent over 50 different emails between the 2 companies and can't get in touch with an actual person.
Product: Credit reporting or other personal consumer reports

I have submitted two requests for information on my credit report to be corrected and I keep getting emails back from Experian refusing to correct the misinformation. Upon review of my credit report, I noticed some account information that was inaccurate. I detailed that information in a letter to Experian and they responded, stating they did not believe the dispute was from me or that I may be working with a credit repair company. I'm not sure how they came to this conclusion because the letter included all of my personal information and return address. I then resent the information back to Experian and Notified them it was indeed me and that I was needing the inaccurate information corrected on my credit report. Experian then replied a second time with the exact same email that they were not going to investigate because they did not believe it was me or that I was working with a credit repair company. I believe they just don't want to investigate or correct the misinformation which is hurting my credit score.