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

I contacted Best Buy Credit on XXXX XXXX for a credit report update, from a mistake that they have made in XXXX of XXXX when they accidentally reported a late payment to XXXX. They did not report this late payment to any of the other Credit Bureaus because it was a billing address issue that was resolved. They have notes in their records from XX/XX/2015 that the billing issue was resolved. Their reasoning for not being able to correct this dispute is because " their records don't go that far back. '' However, I have TWO recorded conversations with Best Buy credit that the reporting of the late payment was a mistake because it was already resolved. The resolution date is XXXX XXXX, per a phone conversation with 2 different Best Buy credit employees. I just want them to correct this late fee with XXXX so it does not show up on my report, as it doesn't show up on XXXX  or XXXX. The only thing Best Buy keeps saying is that they can not go back more than 6-12 months. This is unacceptable because their mistake is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported two late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with XXXX acct. num. ) to have payments differed until after my orders ended ( XXXX. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called XXXX to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. XXXX customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into Experian and it did no good ). XXXX states they have no way to call Experian to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, XXXX XXXX research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, XXXX customer service and Experian to get the mess sorted out but Experian said they are not allowed to talk to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company XXXX XXXX I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. 
I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. 

Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than XXXX years old. This hasn't been followed in my case. 

Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private.

Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.
Product: Debt collection

XXXX XXXX of Northstar Location Services ( XXXX ) is continually calling our phone number looking for my sister in law stating they are collecting a debt. We do not know how they got our number & my sister in law knows nothing about this. I e asked them to stop calling, to remove our number to no avail. I looked the company up & I see XXXX complaints. Please do what you need to do to shut this down asap!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report the account listed as XXXX XXXX Account # XXXX & XXXX XXXX XXXX Account # XXXX incorrectly. They are reporting the account as charged off when thats not correct. Each consumer agency stated they verified the information but provided no proof that they did verify it : since we could not come to terms with this information I initiated arbitration and this is notice they the filing fee needs to be paid and turn over any evidence that proves that this account is indeed charged off and a collection. I know it can not since the negotiable instrument used during this transaction is a security being traded in the primary and secondary markets. Furthermore the bank never loans money but processes securities. The consumer agency is also in cohorts with the creditors because they sell consumer information for a profit and by their own SEC filings it states the report are securitized this is why they refuse to remove the information even though they know its incorrect because I can not have a collection for an account that is also raising capital.
Product: Credit reporting or other personal consumer reports

I am looking at my credit report and noticed there was something I noticed that was not correct. I sent a letter to Experian explaining that I am a victim of identity theft, their were fraudulent accounts opened in my name. In the beginning, those accounts were DELETED. Most of those accounts were closed, however, Experian is still reporting negative activity to those accounts as open. I was told to file a complaint with FTC and also file a police report. In addition, add a fraud alert to my credit profile and upload supported documents for evidence. I did ALL that was asked. In addition, the item ( s ) were Deleted. However, Experian is still reporting as ACTIVE accounts. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to section ( f ) and except as provided in subsection ( g ), if the completion or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly, or indirectly through a reseller, of such disputes, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item ( s ) from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the disputes from the consumer or resellers. According to 15 USC 1681e ( b ) states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Described of reinvestigation procedures.
Product: Credit reporting or other personal consumer reports

Transunion has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/2023 request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses and phone numbers that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. I have one name : XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX does not belong to me. I have one address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and one phone number XXXX. The other numbers are inaccurate. I never worked for XXXX. Please remove XXXX XXXX XXXX from my credit report this is outdated information and inaccurate. I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. Transunion is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX XXXX XXXX  called me to pay XXXX XXXX and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. XXXXXXXX XXXX have charged off this account since XXXX reporting every month
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX Employer - USMC Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX account # and they repossessed the vehicle while I was in hospice with no notice written or by phone that they where going to repossess the vehicle.i recently looked at my credit report on XX/XX/year> and noticed several inaccurate, inconsistent, incomplete information XXXX XXXX is reporting to the XXXX equifax and XXXX according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.toyota mtr is violating my federally protected rights under 15u.s.c1681.please investigate this account and delete it from XXXX equifax and XXXX is severely damaging my credit and I can't obtain an auto loan because of there predatory lending practices.i did not give written instructions to the company to report this account to my credit file and it is violating my federally protected rights to privacy and confidentiality.delete immediately. 
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Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

Bank of America Close my account not under the terms and aggreements written at the time of opening my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Equifax sent an email notifying me of a hard inquiry on my credit report from XXXX XXXX. I called XXXX XXXX  immediately to notify them that I did not authorize the inquiry. They told me they had no record of the inquiry. I then logged into my Equifax account to dispute the inquiry. On XX/XX/XXXX, I was notified that they ruled that the inquiry was valid. I called them today ( XX/XX/XXXX ) and they told me I needed file a clain with the FTC and submit documentation to them for the inquiry to be removed.
Product: Student loan

I have filled out numerous IDR applications because the initial monthly payment Mohela charged was incorrect under the SAVE plan. The information on the application has always been the same but the payment has changed with new applications but it still not correct. The last application I filled out with a Mohela representative over the phone. She told me I could be placed in forbearance but I would still accrue interest so I opted to make the payment. Under the SAVE plan some of the interest being charged to my account would be covered under the SAVE plan interest laws since it would exceed the initial amount of my original loans if Mohela was actually charging me the correct amount monthly based on my income and family size. I have called numerous times and today was on the phone with Mohela for over 5 hours before an automated message stated that a representative would not be able to answer my call today and if I would like a call back next business day to press # 1. I pressed # 1 and verified the phone number but Im not optimistic I will actually received a call back based on the multiple calls Ive already made and the messages Ive sent with no response.
Product: Money transfer, virtual currency, or money service

I met a guy online through a XXXX social media named XXXX on XX/XX/XXXX. He asked me to add his number in XXXX. We chatted a lot in the last XXXX days. But on XX/XX/XXXX, I found out that what he cheated me. He sent me some paintings and cheated me that those were drawn by himself. On XX/XX/XXXX, I found this painting in a restaurant in XXXX, which was drawn by the owner. I contacted her to confirm about those paintings. This was verified that he cheated me. But the transactions happened. On XX/XX/XXXX, he asked me to download an app named XXXX. He instructed me step-by-step how to register, verify ID and contacted the customer service to add funds into this XXXX On XX/XX/XXXX, he taught me to do investment and then said that I should add more money into the account. He can help me earn more by having XXXX - XXXX in the account. But on XX/XX/XXXX, I realized that he might cheat me and I found evidence. Also, according to the images he sent to me, I found those belong to a instagram user from XXXX. I want to report my case to see whether your organization can help me and I contacted the Bank of America, and they filed claims for me for those transactions. But the processing time is XXXX business days to XXXX calendar days.
Product: Credit reporting

I contacted XXXX and they were not able to verify the information on this account. The CRA reported verification of this account. I dispute the accuracy and method of the verification with the Original Creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

Payment was pending for my student loan payment from navy federal checking account for days until other money came out and it went negative. Then I got an overdraft fee and returned check fee. 

XX/XX/XXXX {$29.00} returned check fee XX/XX/XXXX {$29.00} returned item fee
Product: Debt collection

Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.
Product: Credit reporting or other personal consumer reports

Attached is a complaint regarding an inaccurate bankruptcy record reporting on my credit file. Experian did not addressed my complaint. Experian used a generic response which I l am unable to determine what is being addressed. Example Bankruptcy remains AT request re-investigation we contacted public record vendor. I did not request them to contact any public record vendor. Experian will not provide the name of this public record vendor nor is it listed on my credit file. I unable to contact this public record vendor in order to dispute what personal information they may have. I have not given Experian or any other public record vendor permission to use my personal information. I AM REQUESTING THE DELETION OF THIS RECORD OR THE NAME OF THE SOURCE so that I may dispute directly with them.
Product: Mortgage

Fees and other charges not initially disclosed but shows on the statement after loan was processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX XXXX or XXXX ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt.

Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action. 
LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
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 any item 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. 

XXXXXXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.