23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 under 15 USC 1681. 

-XXXX  : acct XXXX XXXX, 2024 {$1300.00} Collection XXXX : acct XXXX Closed XXXXXXXX XXXX XXXX XXXX : acct XXXX XXXX {$860.00} Late XXXX XXXX : acct XXXX Paid Late -XXXX XXXX XXXX  XXXX acct XXXX Closed -XXXX XXXX XXXX : acct XXXX XXXX, 2024 {$270.00} Collection -XXXX XXXX XXXX : acct XXXX XXXX, 2024 {$840.00} Collection 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 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. 16815-2 ( 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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XX/XX/2020 US SM BUS ADMIN ODA XX/XX/2020 XXXX XX/XX/2020 XXXXXXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020
Product: Credit reporting or other personal consumer reports

Best Buy I paid XXXX of XXXX XXXX. 
XX/XX/XXXX they email me thank you for your payment. 
Again XX/XX/XXXX thank you for your Payment. 

Next Email was XX/XX/XXXX thank you for payments Next Email XX/XX/XXXX thank you for your payment Best Buy billed me I noticed a large bill XX/XX/XXXX for {$3000.00} dollars and minimum payment of {$370.00}. I to paid the entire bill. 


I began to look back because this is wrong. 
After I complained to the company and XXXX They updated and there things appeared all explained. 

XX/XX/XXXX there is a bill of {$3000.00}. Minimum pay of {$370.00}. 

The month before and after this bill I paid it appears {$50.00} and this goes on until XX/XX/XXXX. Best Buy stated thank you for your payment. 

If a company asked for Minimum due {$370.00} and you pay {$50.00} for a year, this is usually unheard of. According Best Buy I was able to make purchases. 


My email from Best Buy do not reflect any of these payments. from XX/XX/XXXX to XX/XX/XXXX these is no email for all my payments. 

Also when I looked back I originally did not see the XXXX dollars reflected as a payment. 
Until I complain everything was updated and found. 

This is not right something is not right XX/XX/XXXX I paid XXXX XX/XX/XXXX paid XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

Name : XXXX XXXX Amount : {$1200.00} Name : Genesis Credit Management : Amount : {$2900.00} Original Creditor : XXXX XXXX For the month of XXXX ( XX/XX/XXXX), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My husband and I then paid rent/utilities for XXXX ( XX/XX/XXXX ) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XX/XX/XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from Genesis Credit Management and XXXX XXXX. I have already made attempts to have these collection items removed from my credit report, but I have not been 100 % successful. Although XXXX XXXX no longer shows on my credit reports, it does still show on my husbands. I was able to have Genesis Credit Management removed from my XXXX report, however it is still on my other reports and on my husband 's credit reports. It has now been almost 2 years that I have been disputing this debt with XXXX XXXX and the credit reporting agencies. My husband and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my husband 's job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  DEPT OF EDXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 I walked into a Chase Bank XXXX XXXX XXXX XXXX. to an ATM and attempted to withdraw {$1900.00}. The machine made fluttering noises etc. but never ejected the money. I let one of the bank representatives know and he printed me a receipt with information to file a formal claim. I called the same day and the representative let me know the matter would be investigated and if valid the money would be reimbursed immediately. The following day on the XXXX I received a deposit of {$1900.00} for the claim and assumed the claim was granted valid. 
A month later on XX/XX/XXXX the claim was reversed and the {$1900.00} were garnished. I called once more to inquire as to why, and the claim was refiled. Days later i received a notice stating the claim was again denied! 
I called the same XXXX  number 'Chase claims Department XXXX to appeal but they stated that I'd have to speak to the 3rd party company in charge of the ATM machines as they were who denied the claim. I called the number several times in attempt to speak to someone, twice of which i was hung up on as apparently, 'they weren't able to hear me '. The 3rd time i called, after hours of waiting, i spoke to someone and they stated i was denied the claim as the investigation proved it was an invalid claim and legers from the ATM showed the money was withdrawn. I then called again and spoke to someone in Chase 's claims dep. again to no avail. 
The matter has caused me many inconveniences and i have no way of proving my innocence as i never received the money from the ATM but have no access to cameras, ATM deposit and withdrawal ledgers etc. to prove anything. I'm afraid the overdrawn amount this has caused will eventually go to collections and cause more inconveniences. I'm being forced to pay money that was mine and was essentially stolen. Please help. Thank you
Product: Credit reporting

I 've disputed the information with XXXX, Equifax, and XXXX about duplicates listed on my negative account regarding student loans. XXXX loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be XXXX. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of the student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and resulting compromise to my personal and financial information. I request that you immediately cancel my student loan and debt. You have five business days.
Product: Credit card or prepaid card

I noticed I was having issues with my account. They closed it without my knowledge, without any warning & without my permission. I have always paid my account on time. I believe this is in retaliation of filing a complaint with them because they would not help me with a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I did a settlement with these people and every month I get a delinquent notice I sent the paperwork that the court had discharged that and I to them and also the three credit bureau of nothing happens except each month my wife and I get a delinquent notice
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

TransUnion has denied my Identity Theft Police Report that includes the person name that committed Identity Theft against me, Identity Theft Report from the Federal Trade Commission, and the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied my rights that protect me and my credit report/file of being a victim of Identity Theft. TransUnion has communicated to me that they are bigger than the laws that govern them of the Fair Credit Reporting Act ( FCRA ). TransUnion has ignored and denied 15 USC 1681C-1 ( FCRA Section 605A ), 15 USC 1681C-2 ( FCRA Section 605B, FCRA Section 609 ( e ), FCRA Section 605C-1, 15 USC Section 1681, 15USC Section 604 ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024, I was defrauded through XXXX XXXX. The scammer advertised furniture for sale and requested a {$100.00} deposit via XXXX to " hold '' the item, claiming high interest from other buyers. I sent {$100.00} via XXXX to XXXX with the promise of next-day pickup. 

I discovered it was a scam after finding identical furniture listings posted by the same seller under different names across multiple US locations. I immediately reported this to both Chase Bank ( case # XXXX ) and XXXX ( case # XXXX ). 

This scammer continues to actively defraud others using the same method. I have collected : -Screenshots of multiple fraudulent listings -Our message history -XXXX transaction records Their consistent pattern is : -List discounted furniture on XXXX XXXX -Request XXXX deposits to `` hold '' items -Create multiple fake accounts to repost same listings -Never deliver promised items Despite reports to XXXX, the scammer remains active using the XXXX account linked to XXXX. Immediate investigation is needed as they continue to defraud new victims daily using this same scheme.
Product: Credit reporting or other personal consumer reports

i have sent letters to the furnisher as well sent a complaint to all 3 agencies about Account : XXXX XXXX XXXX, they are not license in the state of Mississippi to do business as a debt collector and reporting inaccurate information on my credit report and needs to be deleted.
Product: Debt collection

Date opened XX/XX/2018 amount {$860.00} called the company they have no information on me and also called the bureau to get this removed because of false information and they would not drop this.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My Journey with XXXX and Consumer Rights Life often brings unexpected challenges, and for me, one of the most difficult periods was when I became homeless. During this time, I was unable to continue making payments on an invoice with XXXX. While I understood my responsibility and intended to resolve the matter once my situation stabilized, the account was sold to a collection agency without my knowledge or consent. 

The first time I learned about this new development was when the collection agency contacted me. To my surprise, I had never received a validation letter or any formal notification that the rights to the account had been transferred. This lack of communication left me uncertain about the legitimacy of the claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, companies are required to provide clear and timely notification when an account is sold to a third party. This validation letter ensures transparency and gives consumers the opportunity to verify the legitimacy of the debt and the new company. Without this critical step, the account 's validity comes into question. 

Since I was never informed or given the chance to validate the claim, I do not recognize this new company or their right to collect on the account. Consumer protection laws are clear : debts transferred without proper authorization or notification are not enforceable. 

In light of this, I firmly believe that this collection agency should close the case. I can not authorize or recognize a company with whom I have had no direct agreement or communication. My priority is to resolve this matter fairly and in compliance with the law, but I also believe it's essential to hold companies accountable for respecting the rights of individuals, especially during vulnerable times in their lives. 

This experience has reinforced for me the importance of understanding and exercising our consumer rights. It's a reminder that we, as consumers, have the right to be treated with fairness, dignity, and transparency, even during the most challenging chapters of our lives.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX