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

Equifax ; XXXX  and XXXX are reporting incorrectly collections/Charge-offs on the US DEPT ED account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These collections were paid in full when my tax refund was garnished! This incorrect reporting of a collection/charge-off on the student loans is seriously harming my credit score. There is no outstanding balance due and therefore these accounts should not be reporting. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept of education and ASCENDIUM EDUCATION is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.
Product: Money transfer, virtual currency, or money service

PNC will not allow transfer to XXXX. I'm trying to pay a local vendor. This is frustrating to not be able to use my money as i see fit.
Product: Student loan

Navient, XXXX, and XXXX have not sent information requested three times. Copy of signed signature promissory notes, fraud complaint forms ie incorrect balances and or interest rates. I do not owe the amounts listed on my credit report and have asked that the debt be listed as disputed with ALL credit reporting agencies until all documents requested have been received to confirm the debt and interest rates are correct. The lender has NOT produced my signed with my signature on my promissory notes. I believe that someone is changing the terms of my loans to make it appear as if I owe more than I actually do and the lender refuses to provide information confirming the terms of these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian confirmed verified XXXX XXXX XXXX as verified as accurate. I requested reinvestigation procedures to determine accuracy of verification. I did not receive the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$6700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$2600.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$9000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$1100.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$1200.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX AMERICAN CREDIT ACCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DOBBS BLOSSOM AUTO L XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PREMIER XX/XX/XXXX XXXX PREMIER XX/XX/XXXX AFF FINWISE XX/XX/XXXX BLOSSOM XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX OMEGA AUTOSP XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I have asked XXXX XXXX XXXX XXXX Account # XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice XXXX XXXXXXXX  before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( XXXX ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and JPMorgan Chase & Co is the furnisher financial institution 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. '' JPMorgan Chase & Co is a financial institution by definition under 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. '' JPMorgan Chase & Co the financial institution and the Consumer reporting agencies XXXX, 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, and XXXX, JPMorgan Chase & Co whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMorgan Chase & Co 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.

JPMorgan Chase & Co, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting Act ( account & Number # ) has violated serveral of my rights 15 U.S.C 1681 Section 602 A. Clearly 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 instruction 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for ant purpose Remove theses late payment and update this account immediately as you are in the direct dilatation of several laws under the fair credit reporting Act.
Product: Debt collection

The company will not provide any documentation to support their claim that I owe the amount stated on my credit report. Have tried to dispute amount and it results that the claim is legal under the Fair Credit Report Act yet they refuse to give me any information whatsoever.

The amounts are incorrect if I even owe anything whatsoever. The company is not legally allowed to dismiss me and not provide any documentation to show proof of their claim.

Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$470.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$470.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Historical Info Original Creditor XXXX XXXX Contact Info Address XXXX XXXX XXXX, XXXX XXXX MN XXXX Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 

Please assist me in this matter. They are ignoring me and I dont appreciate the companies negligence in this imperative matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trellis company is willfully ignoring my requests and willfully violating my rights. I have notified them about identity theft. According to the law since I have claimed to be the victim of identity theft, the collection agency must temporarily stop their collection effort and investigate the debtors claim. 
They have not done this. If they claim to have investigated I would like to know how they investigated and who they spoke with. 
Again, TRELLIS- XXXX XXXX, Trellis XXXX are a result of identity theft. I am demanding Trellis to suspend their collection and do a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}
Product: Mortgage

XXXX XXXX # XXXX -- - Loan XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMS has committed Valuation Fraud and also violated their servicing guidelines. They are refusing to do an interior valuation, claiming they are not allowed due to COVID restrictions. This is a XXXX. The appraisal industry in California has not stopped or shut down due to COVID. RMS is simply coming up with excuses to not review this file for a short sale, which is a violation of their servicing guidelines. 

Additionally they are trying to force a dead person to complete repairs on the property, which is an illegal request in a short sale. 

I understand the impact COVID-19 has had, however, the rest of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point this is not a COVID issue rather RMS is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want RMS to complete an interior valuation and review this file for a short sale.
Product: Checking or savings account

I have been a banking customer at Marcus GS for a long time since I was still a graduate student and throughout the time I was working in XXXX. However, I recently started working in XXXX and when I tried to access my account, my access got blocked and my account was therefore locked. It has been more than 6 months and despite numerous calls, there has been no change to my account status and I am still unable to access my account despite having provided numerous details, notarized certifications, and other things. For each my call, the customer service representative will only tell me that it is blocked, there is something wrong with my phone number ( e.g., they can not send a text or the number is not registered under my name, which are odd because I have never encountered these issues and the number is validly registered under my name ), and the account will be subject to further reviews for several business days. It seems that the whole thing is just a stalling tactic and Marcus GS has been acting in bad faith by preventing me from accessing my own money or providing a reasonable way to resolve the issue. It has been very frustrating and I would like to switch my bank from Marcus GS if possible, because they do not even have a physical branch for me to come and show my ID and other materials that are needed to unlock this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested a copy of a credit report from LexisNexis. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that LexisNexis contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as LexisNexis. 

On XX/XX/2021, I sent a second letter via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter from LexisNexis that they were unable to process my request at the time. 

As of XX/XX/2021, LexisNexis continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with LexisNexis and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX Dated XX/XX/2017 that I did not authorize
Product: Credit card or prepaid card

Requested a purchase eraser credit of XXXX for account, on XX/XX/2022. Current rewards balance has higher amount available than requested credit. Usual account credit time is three days. First call to Capital One service on XXXX XX/XX/XXXX was check account next day. Checked and no credit. Second Call XX/XX/XXXX. Spoke to XXXX. Was told account would be credited by XX/XX/2022. Account Not Credited. Third Call on XX/XX/2022, Spoke with XXXX, stated he was a senior Supervisor # XXXX. Was told credit would now be 1-2 billing cycles and to check back in XX/XX/2022. Would not guarantee it would be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Vehicle loan or lease

Consumer portfolio services opened XX/XX/2017, This account was XXXX XXXX XXXX and sold due total loss. In accordance with the fair credit reporting act. has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666bB : a creditor may not treat a payment on and account under and open end consumer credit plan as late for any purpose.
Product: Debt collection

I am questioning the authority you UPHOLD on how you just DENIED my request without offering clear and justified explanations. DO YOU THINK I AM JUST PLAYING GAMES WITH YOU!? OR YOU ARE THE ONE MAKING FUN OF ME? DONT DO THIS TO ME WHAT YOU ARE DOING TO OTHERS!! I AM NOT WASTING MY TIME COMPLAINING I AM A VICTIM HERE AND THEN YOU SEND BACK SOME USELESS LETTERS!!! Your letter, which lacks specificity and transparency, undermines the trust and confidence that consumers are expected to have in your organization. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
Furthermore, it is disconcerting to find that your bureau, which is not directly involved in the initial investigations of fraudulent activities, deems itself fit to pass judgment on the validity of claims without providing any substantial evidence or clarification. This raises serious questions about the authority and competence of your bureau in making such crucial determinations.