23daVinci/CFPB_Complaints huggingface dataset:
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 a account without my written instructions. 

On XX/XX/2022 I received a notice that my credit score had dropped XXXX points due to three late payments involving XXXX XXXX XXXX XXXX had been reported. The months reporting late were XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted all three credit unions, and provided them with copies of my on-time payments for the following months. In XXXX  I made an on-time payment to XXXX XXXX XXXX XXXX in the amount of {$350.00}. In XXXX  I made an on-time payment of {$350.00}, and in the month of XXXX XXXX, I made an on-time payment of {$350.00}. After a few weeks all three unions wrote me a letter informing me that all the information reported on my report was correct, and that they found no errors. This is incorrect, given I provided documentation proving that I indeed made on-time payments for the following months ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like these items to be corrected/and removed to report correctly.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My payment due date as stated on my statements and terms is the XXXX of each month by XXXX. My payment was due XX/XX/year>XXXX  and on the same day, XX/XX/year>, I logged on to pay at XXXX EST, 29 minutes before the payment was due. I tried to pay but the system had the same day grayed out and would only let me choose payment from XX/XX/year>. I chatted with someone immediately and was told that " payment was due by XXXX EST '' that day or it was late. However, this is not anywhere in my agreement or on their site when paying or terms. I was forced to schedule it for XX/XX/XXXX. I asked a different rep for help who told me not to worry and that they would remove the fee if I chatted later and that my credit score would not be affected which is false. I think Synchrony intentionally violated our agreement to deceive customers into paying late fees by removing the option to pay at all on the same day after some undetermined time that is not stated. They expect the customer to reach out later and fix their mistake when they had no lawful reason to charge one in the first place. They are hoping we don't reach out. My screenshot metadata proves it was XX/XX/XXXX when I tried to pay and was denied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Breach of Personal Information Notification Dear TransUnio

n Dispute Department, I am writing to formally address a serious concern regarding the unauthorized sharing of my personal information without my consent, as defined under Section 18.2-186.6 of the Virginia Code .

It has come to my attention that there has been a breach of the security of your system, which involves the unauthorized access and acquisition of unencrypted and unredacted computerized data that compromises the security or confidentiality of my personal information. This situation not only violates my privacy rights but also poses a significant risk of identity theft and other forms of fraud. 

As a resident of the XXXX, I am deeply troubled by the potential consequences of this breach. I request a detailed explanation regarding how my information was accessed, the specific data that may have been compromised, and the measures being taken to rectify this situation. Additionally, I would appreciate information on how you plan to notify affected individuals as required by law. I will continue to file complaints with the CFPB, FTC until this account is removed from my credit report. Your company has ignored all of my disputes, and reporting misleading information. 

I expect a prompt response to this matter, as it is crucial for me to understand the steps being taken to protect my personal information and prevent further unauthorized access. 

Thank you for your attention to this urgent matter. I look forward to your swift reply. 

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

In according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : CXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Bank account or service

Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX companies that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical collection was placed on my credit report and I called the creditor and was told that they were going to have it removed. Transunion has not removed this. This is medical and it violates hipa.
Product: Credit reporting or other personal consumer reports

An accordance With the fair credit reporting act the list of accounts below violated my federal protected, consumer rise to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX, has violated my rights. I looked at my Equifax report on XX/XX/XXXX of 2023 and noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency Prepare a customer report It shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 US 1681 ( e ) ( b ) And according to 15 USC 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters to XXXX, XXXX and Experian on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, XXXX, XXXX, or Experian also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Someone has been repeatedly calling me from MRS BPO, almost every day and several times a day since XX/XX/2021. They never leave a message and have never sent me any correspondence as to who they are and why they are calling me. I do not have any delinquent payments nor is anything negative on my credit report so I'm not sure why they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't heard anything on status of my compliance letter, So Im reinterating my request in The Fair Resoulution BOX,
Product: Credit reporting or other personal consumer reports

I'VE SENT SEVERAL LETTERS IN REGARDS TO THE INACCURATE LATE PAYMENT BEING FURNISHED TO MY PROFILE. IT HAS BEEN OVER 30 DAYS SINCE THE LAST REQUEST AND I HAVE YET TO RECEIVE A RESPONSE. THE LATE PAYMENT FROM XX/XX/year> HAS TO BE A COMPUTATION ERROR AS I HAVE NEVER BEEN LATE. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED. 

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my report, the incorrect information was still found in my Experian reports which I believe have been taken care of due to the written appeals I sent. I've contacted the account listed & they told me I've never missed a payment, yet Experian refuses to fix the account from being listed late. I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. The account that should be corrected is : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Cease and Desist Hand delivered on XX/XX/XXXX ( Video Proof ) Affidavit of Truth Recorded on, XX/XX/XXXX Affidavit of XXXX XXXX Deed Fraud, Recorded on XX/XX/XXXX Affidavit of Official Cancellation Discharge Note-Draft Recorded on XX/XX/XXXX Follow Up Notice recorded on XX/XX/XXXX Notice of Rescission Notarized and Faxed on XX/XX/XXXX Violation Warning : Denial of Rights Under XXXX of Law Delivered by Registered Mail # XXXX Delivered on XX/XX/XXXX at XXXX p.m.
Product: Vehicle loan or lease

Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my remedy, as a consumer and the original creditor. 
On XX/XX/21 I went to XXXX XXXX XXXX XXXX to purchase a vehicle. I did not realize until a few days later that I was false or misleading representations by the sellers at this organization. Based off XXXX XXXX XXXX I should have been given disclosure of obligors right to rescind. That did not happen, and I feel very deceived and taking advantage of. Based off 16 CFR 433.2 ( b ), the following statement should have been on my contract bolded in ten point font. This Notice was not on my contract either, which in sense voids this contract. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
The following should have been on my contract bolded in ten-point font. This Notice was not on my contract either, which in sense voids this contract. One thing after another that makes me feel like a fool and fully taking advantage of. 
Since then, on XX/XX/21 I submitted documents for billing error and resolution to the GM of the store XXXX XXXX, XXXX XXXX the Executive VP, XXXX XXXX Agent, and the CFO XXXX XXXX. Based off 15 USC 1666 ( b ) ( 2 ), I have request additional clarification including documentary evidence thereof to fix this billing error. I have given them the proper billing error notice based off of my rights 12 CFR 1026.13. I also gave them a notice to rescind this transaction. Based off 12 CFR 1026.23 ( d ) I have the following rights and expect XXXX to fulfil their obligation to resolve this billing error. 
12 CFR 1026.23 ( d ) ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. 
Based off 18 USC 8 states the United States of America has the obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency 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. So, what alleged debt am I accountable for.
Product: Student loan

I have been having difficulties with Navient for years. They were becoming a nuisance with incessant phone calls, so I wrote them a lettter to cease and desist. They then informed me that they would refuse to contact me in any form. I NEVER said that they could not contact me via email, or postal mail. I have reason to believe that the loan has been paid in full, but I can not verify so because of Navient 's steadfast refusal to communicate with me. I have not received any correspondence stating that the loan has been paid in full, if any overages have been refunded, or if XXXX/XXXX/XXXX has been notified of the account being closed. Navient is grossly out of control in it 's customer service practices.
Product: Consumer Loan

I purchased a XXXX Hyundai Santa Fe from XXXX XXXX XXXX in XXXX XXXX SC on XXXX XXXX 2015. After reviewing the contract and after the contract was already sent to the lien holder ( Ally bank ), I decided that I wanted the gap coverage of {$790.00} and the extended service warranty of {$1500.00} charges returned to me or my lien holder. After fighting with the dealership and being told lie after lie I finally got my money back. The amount of {$1500.00} was sent toAlly bank and applied to my account on XXXX/XXXX/2015. The amount of {$790.00} on XXXX/XXXX/2015 was also eventually sent after a complete run around of who should refund this money. I looked at my payment history with Ally and noticed that the amount of {$1500.00} was posted which made me very happy. Then when checking my history again I noticed that the amount had been reversed and never has been reposted. I called Ally, spoke with XXXX ( XXXX/XXXX/15 ) and was asking why this was done and I would like to know where my money was. They stated the reason it was reversed was due to that it was a service warranty and that they had taken interest on the amount so they needed to correct that mistake. It has been two months to correct that mistake. I called Ally again on XXXX/XXXX/2015 and spoke with XXXX she could not answer my questions so I asked for a supervisor. I then spoke with XXXX who told me that after checking with someone that he could not give me a date when my money would be reposted to my account. He did n't want to add to my frustration and would not give me a reason why it was taking so long or why I could not have a date for expecting my money to be there in my account. I addressed also that the {$790.00} gap coverage warranty was posted and that they had taken out interest on that so I wanted that reversed also and the interest taken off. Today is XX/XX/XXXX and in 3 days as you can see from my attachments that has been taken care of - even though they reposted as if they did it on XXXX/XXXX/15 when it was n't done until the last XXXX days. As you can see the amount of {$1500.00} has not reposted to my account. I do not know why you have to fight so hard for your money but if I owed them they would want their money now. I have my car payments in a timely manner, never late. I would just like the same respect and I wish there was someway I could get back all the time and frustration that I have spent on this commitment. Fighting with the dealership and now this bank. I have put in many hours talking to people, arguing and being lied to. I just want my money posted to my account and treated like they would want to be treated. They want me to pay them money toward the loan and I want them to post what is owed back to the loan. Thank you!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$5900.00}
Product: Checking or savings account

I deposited {$15000.00} at a Bank of America location on XX/XX/2024 at a location in XXXX XXXX XXXX XXXX My account had been set up for me to receive notifications whenever a transaction is being made on my account however Bank of America failed to notify me of any account misuse. My account has been victim to fraud and Ive lost about $ XXXX in funds. 
Upon calling Bank of America they canceled my card and issued me a new one but never protected my account Id like to get my money back, rectify this issue and pursue legal actions against breach in their ability to have fraud protection.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete thank you
Product: Debt collection

I had a credit card with Barclays with a XXXX limit. The account was passed due and was charged off. The account shows on my credit report as closed/charged off status and XXXX balance. 

XXXX XXXX purchased the account and they are reporting the balance as XXXX with an open date XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Date of inquiry XXXX XX/XX/year> Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year>