23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy. 

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the new requirements for Public Records I have filed disputes with Transunion, XXXX and XXXX to remove my tax lien based on it lacking a full SS # or D.O.B.
I disputed 2 times with XXXX and they just last week removed the lien.
With XXXX I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution.
With Transunion, I disputed first on line the week of XX/XX/XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XX/XX/XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XX/XX/XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XX/XX/XXXXI found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XX/XX/XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it.
I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XX/XX/XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with XXXX all I got was a chnage of a late payment from XX/XX/XXXX to XX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over 650 reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX HAS BEE SHOWING UP ON MY ACCOUNT, AND I NEVER APPLIED TO THEM.NOW THE ACCOUNT IS IN DEFAULT BY WHOEVER THE OWNER IS, AND ITS SHOWING UP ON MY CREDIT.
Product: Debt collection

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, XXXX, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.
Product: Payday loan, title loan, or personal loan

First, Mariner Finance 's website altered my payments when I submitted them online. On XX/XX/XXXX ( XX/XX/XXXX ), I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XX/XX/XXXX. On XX/XX/XXXX ( XXXX ) I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XXXX. In neither case did I catch the discrepancy in time, nor could I cancel the payment. In both cases it caused my bank account to be overdrawn, though I did succeed in reversing the payments. Mariner Finance is not allowing me to make online payments, although the fault was with their online system and not with me, and obligating me to mail cashier 's checks or money orders. The most recent issue that prompted the present complaint is that I'm unable to see my balances, payment history, required payments, or billing statements online. Mariner Finance advised me to try their phone application. I tried it and it indicated I supposedly don't have an active loan. Mariner Finance states it doesn't provide paper statements. Therefore, Mariner Finance is in violation and out of compliance to meet its legal requirements to provide me with billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( 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 in accurate.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Credit Report Dispute Aargon Agency Inc Collection SSN ( Last 4 Digits ) : XXXX XXXX : XX/XX/XXXX Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX To Whom It May Concern : I am writing to formally dispute an account appearing on my credit report, listed by Aargon Agency Inc . The account reflects an alleged balance of {$350.00} and is marked as Placed for Collection, with notations indicating the consumer disputes this account.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information on their file. Furthermore, the precedent set in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), reinforces the responsibility of credit bureaus to go beyond merely repeating information provided by furnishers and to independently verify the accuracy of the data reported.

The account in question is inaccurate and continues to reflect disputed information despite previous challenges. I therefore request the following : 1. A full reinvestigation of this account.

2. Documentation used to verify the validity of the debt.

3. Immediate correction or deletion of this item should it fail verification through proper documentation.

This letter serves as a formal request under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) for a reinvestigation and validation of the account in question. I expect a response within the 30-day timeframe stipulated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Credit card or prepaid card

I have 2 late payments on one of my capital one credit cards. I received paperwork on it saying my bill was due but I was already signed up for autopay and had more than enough money in my account to pay the minimum. When I realized there was an issue I paid this card in full and spoke with a representative to make sure I was signed up for autopay. I have spoke with customer service a couple times and they have not been helpful on something that was not my fault I have had no issues with getting my capital one account paid in time since this incident. I do not know what else to do. I should not be held liable for this.
Product: Credit reporting

I went through and completed a student loan rehabilitation program in XX/XX/2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since XX/XX/2013. It 's been over 4 years, but XXXX ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the National Student Loan Database, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Violation of the FCRA and is in violation of requisite XXXX Compliant reporting standard. 

Permanently remove all inaccurate accounts listed on the credit report within days allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute with Equifax in regards to by bankruptcy that listed an incorrect court address and date reported. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX when it actually XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX They came back claiming it verified, but have not correct the issue at hand, I sent in additional request for method of verification as well as removal. 

Not correcting date reported : It XX/XX/2017 rather than XX/XX/2017 Please see attach Equfiax Report Not from the original furnisher itself, and given past court cases in this regard has proven not be 100 % accurate.
Product: Credit card

I made a purchase on XXXX XXXX XXXX for concert tickets. I received a QR code from XXXX that DID NOT work. Ive been fighting this charge with Goldman Sachs for over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  apparently to get me a better rate.
Product: Student loan

My loan was transferred from XXXX to NelNet. The balance may be accurate, although I believed it to be lower, the problem lies with the verification, none of my payment history transferred over, my wife 's loans were transferred to a new provider and her complete payment history is available, the same is true for some of my other friends. This feels deceitful and predatory, it feels like they're hiding information from me for a reason I can only assume benefits them and costs me. How am I supposed to know the balance is correct? Shouldn't a complete payment history be included in the transfer to the new loan servicer?
Product: Mortgage

XXXX my house burned down and my insurance issued a joint check to my mortgage holder, Selene Finance XXXX 

Throughout the process of requesting funds to complete repairs, the loss draft department has slow walked requests for funding repairs and it has resulted in delays so long I have had to use my own funds to repair my house before the rain. They have held up funds for my cabinets so I had to buy them from my own funds. My insurance loss of use coverage for my rent while I am displaced is expiring the first week of XXXX and the people in the loss draft department want to lecture me on their long delay process to get my funds to rebuild. It took them 2 months to send me a check for my cabinets then it was not accepted by the vendor so I made a second request and they are still holding the funds telling me their corporate department can take their time approving the release of funds which has now been 14 days. They are trying to push me into foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account. They have stated they ca n't find the reference account in previous complaints yet it 's still being reported to  XXXX  as erroneous information and violating the FCRA.
Product: Checking or savings account

This is the second worst bank Ive ever try to bank with. From the workers to supervisors bad costumer service VERY POOR HONESTLY THEY XXXX AND VERY LAZY RUDE. I open my account so they close it the same day they froze it from XXXX till current Ive been trying to fix it and they wont help me at all but labeling me as a suspect caller due to my voice XXXX a trans woman sorry my voice aint as girly as it should but it XXXX me felt like again XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are in violation under 15 U.S.

Code 1681i ( 5 ) Removal of Inaccurate invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy You have violated law 15 U.S.C.

Sec. 1681 ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether last date reported, last payment date, and date last active is inaccurate. 
XXXX XXXX XXXX Please remove this account immediately
Product: Credit reporting or other personal consumer reports

Between the dates of XX/XX/year> and XX/XX/year>, my credit was ran without my authorization. There were no actions taken against the company.
Product: Debt collection

XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Jefferson Capital Systems , LLC for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for Jefferson Capital to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.
Product: Money transfer, virtual currency, or money service

XXXX 2023 I was activating a new card with cash app while doing it {$800.00} was taken out I sent a message for someone to call, all I got was text message was told there was no one to verbally speak to so i went through some steps with this person to active the card once it was working I ask when will my funds be put back on my card I was told with in 5mins and if not to put another ticket in for help. Well the money wasn't return and couldn't get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Mortgage

JP Morgan Chase via their attorney-in-fact, XXXX XXXX XXXX and their other attorney, XXXX, XXXX XXXX XXXX, had submitted a motion for summary judgement ( foreclosure ) against me and obtained a judgement from XXXX XXXX XXXX, XXXX XXXX on XXXX. I have been dealing with XXXX since 2009, having received the foreclosure summons XXXX after submitting the last payment of a six month trial modification on XXXX. The last modification payment was then returned with a letter stating " check does not reinstate loan ''. I also did a short sale in 2011 which XXXX had approved but then decided several months later that I needed to pay them XXXX in addition to the short sale ( I have this phone conversation recorded ). I hired attorneys in XXXX XXXX. 
The supposed original trustee was XXXX XXXXXXXX XXXX. My securitized mortgage was then transferred to XXXX XXXX in XXXX. JP Morgan Chase then transferred the servicing rights of such mortgage to XXXX in XXXX and now XXXX states they are attorney-in-fact for JP Morgan Chase Mortgage XXXX. 
The judgement they obtained was fraudulent and violations against XXXX, XXXX XXXX XXXX were made as seen in the answer to the original complaint ( filed with other people having the same common last name as myself as defendants ). The person who signed the affidavit testifying to the facts was supposedly a document specialist for JP Morgan Chase but as I recently found out, XXXX XXXX XXXX has never worked for JP Morgan Chase ( the motion with all of it 's violations plus the affidavit are attached ).
Product: Checking or savings account

I put cash to my bank account thru atm XX/XX/2023 around XXXX XXXX  which I never received. I was trying to call the number at atm, but consumer service was working only till XXXX. following day I was able talk to the agent and get credits on my account. 
I went to atm XX/XX/2023 at XXXXXXXX XXXX and same thing happened to me at same location, I put cash, which I never received, so I went inside the bank, they said they dont see the amount of money I put, they are able to see that I was attempting to put money and check my balance twice, that they are not able to do anything, they gave me phone number which I have to call and they will be able to help me, at some point I spend over more then 2 hours on phone which I couldnt resolve my problem. And they were sending be back and forth between departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

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/22 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 the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}