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

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 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. 

Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX and list of Inquiries. 

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

i am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts blocked.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2017 I decided to get solar energy to help with climate control. 
An XXXX XXXX XXXX came to My house to sell me the panels. He said I could have a loan which I could get a credit on my income taxes and the payment would not ever increase. 
After several increased. I did not understand why. In these two years the panels did not save me money I complained but nothing was done. I hired another company & they suggested I add more panels. Bills still did not decrease & no response from company. 
A neighbor hired XXXX XXXX XXXX with good results. They came out & said they had a system which would work. They found that the permits had never been pulled & electric panel was out of date & could have caused a fire. They replaced the panel. The bills went way didn't to {$27.00}. I then had a new loan & was told I would get credit on my income tax. 
I have since found out they never registered the new panel with XXXX. The loan has now increased again and after a lot of investigation from An outside company & My accountant that I do not pay enough taxes to get a deduction. This was never Explained to me. I could have been given an option to lease ( from another solar person ) the equipment & the amount would have remained the same. 
I Am a XXXX XXXX  who trusted these companies & neither one of them gave all the correct information. I have also been told they should have seen the roof was 20'years old and not a good idea to install solar panels. Now I need a new roof & it will be costly to remove & reinstall the panels. 
I feel that my lack of knowledge has left me in a financial crisis with two loans & one for panels that don't work. I spent some time gathering data for an attorney to help me & after spending all that time he said he could not help. Me because there was no money in the case. 
I fell alone in a sea of misinformation from salespeople who have no integrity about their work. 
I would love to see some action taken. At the least I would like the first loan eliminated. I have paid a great deal for nothing. Mosaic the loan company takes no responsibility. 
If there is any thing that can be done to insure accountability I would appreciate it. 
These companies should not be in business. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Fax XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that on XX/XX/year>, I checked my credit report and discovered Four fraudulent inquiries that I do not recognize. These unauthorized inquiries are negatively impacting my credit score, and I believe they may be the result of identity theft. I have already taken the following steps : 1. Obtained copies of my credit reports from all three major credit bureaus 2. Identified and marked the six fraudulent inquiries 3. Prepared dispute letters to send to each credit reporting agency I am concerned about the potential for further fraudulent activity and the impact on my financial well-being. I would appreciate any guidance or assistance the CFPB can provide in resolving this issue and protecting my credit. Please find enclosed copies of my credit reports with the fraudulent inquiries highlighted. I am happy to provide any additional information you may require. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX  XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX I was quite surprised to discover an inquiry on my credit report, which I do not know of authorizing. As you may be aware, the Fair Credit Reporting Act mandates that no one may access an individual 's credit information without their explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on chexsystems   in regards to suspected fraud activity being reported by XXXX XXXX XXXX Missouri from XX/XX/XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to XXXX XXXX XXXX after receiving copies of a signature card bearing my signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from chexsystems and XXXX XXXX XXXX. Thank You in advance
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX to request additional information regarding charge-off account # XXXX, which is being reported by TransUnion, XXXX, and XXXX. Despite providing my full name, address, the last four digits of my SSN, and the full account number, XXXX responded on XX/XX/year>, stating they could not fulfill my request due to insufficient information. Adhering to protocol, I filed a dispute with the credit bureaus on XX/XX/year>. However, on XX/XX/year>, XXXX reiterated the same response, yet the charge-off continues to appear on my credit report. Both response letters from XXXX is attached. 

XXXX, TransUnion, and XXXX, how can you claim that the account has been verified by the creditor when XXXX can't verify me despite having all my details like full name, address, account number, and last four digits of my SSN? Please see the proof of attachment.
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. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX - XXXX - XX/XX/XXXX - {$970.00} INQUIRIES : XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand immediate action from the TransUnion Credit Bureau to dispute certain accounts in my file resulting from identity theft. This is not the first time I have contacted you about this issue, and it is unacceptable that my information has been exposed in the XXXX data breach, yet appropriate measures have not been taken to protect it. The account you are reporting has already been deleted by other credit bureaus, and under the Fair Credit Reporting Act ( FCRA ), credit reporting must be 100 % accurate. It is imperative that you take immediate action to rectify this error by removing the said account/information from my credit report as soon as possible. Any inaccurate or misleading information can severely impact my creditworthiness, which can have significant long-term consequences. I expect you to act with the utmost urgency and professionalism to ensure that this situation is resolved promptly, as any further delays or inaction will not be tolerated. I need the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, deleted from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

At or around XX/XX/year> Regions Bank closed my account for suspicious activity. I was told that a XXXX  party vendor wire transfered money into my account in the .middle of the night. I did not authorize or have any dealings with this party. Regions Bank told me they were closing my account to protect me the customer. Recently I went to apply for a bank account at XXXX XXXX XXXX XXXX all these years later and was denied. I received a copy of my Early Warning System Consumer Report and it states that the account wad closed for Checking Account Fraud. I contacted Regions and they told me I have to go thru the dispute process. I had no involvement in this action. Thus contribution reason is false and inaccurate.
Product: Checking or savings account

My ex-wife and I received 3 checks from the IRS in the amounts of {$300.00} ( dated XX/XX/XXXX ), {$300.00} ( dated XX/XX/XXXX ), and {$4200.00} ( dated XX/XX/XXXX ). The checks were written to us both as payees as follows : XXXX XXXX. & XXXX XXXX XXXX remotely deposited the {$300.00} check dated XX/XX/XXXX into her personal, sole account with Chase Bank ( account ending in XXXX ) on XX/XX/XXXX without my knowledge, without my endorsement, and without my consent. I filed a police report for theft, and the police determined it to in fact be theft. 

I believe the other two checks, in the amounts of {$300.00} ( dated XX/XX/XXXX ) and {$4200.00} ( XX/XX/XXXX ), both also from the IRS, were deposited in the same manner in the same account. They were never endorsed by me, nor did she have my permission to deposit them. I do not have access to this account.I have filed a police report for those checks as well, which is still open.
Product: Credit reporting or other personal consumer reports

I did not authorize these Inquiries ..Please have them removed thank you! 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received an email from Experian indicating that my FICO score decreased by 13 points. When I finally got through to a human being the representative couldn't tell me why the point drop happened. They could not successfully transfer me to a supervisor but did offer to sell me a credit report. This is very disturbing because I haven't purchased anything recently that would require a credit check/review. It also dropped my credit rating from excellent to very good. Whatever happened with Experian ... it did not affect either XXXX or XXXX I don't understand how Experian continues to be allowed to have access to people 's credit information when they obviously have no idea of what's going on. They always seem to want to charge some type of fee to remedy the situation your calling them about ... whether it be a credit report or a credit lock. These people are crooks.
Product: Debt collection

I received a letter in the mail from Collection Bureau of America dated XX/XX/2022. The letter was invoicing for a debt from XXXX XXXX XXXX, a service I have never engaged nor of which I have even heard. 

The letter is addressed to a differently spelled name and references a service address to a city in a state where I don't live and have never visited. 

The Collection Bureau of America has been unable to provide any verification. Further, when calling the original service, they acknowledged that there is no phone number, name, address or other evidence associating this to me. 

The Collection Bureau of America should get paid, by the correct debtor ; that person is not me. There is nothing that would tie this to me, yet I am impacted due to their faulty business practices. 

The address on service from the original purchase is owned by an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, that would be the ideal contact to start in order to find the debtor whom engaged this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting 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 XXXX  XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit card

I have deliberately overpaid my Target Red credit card, which resulted in positive credit balance, in order to increase the purchasing limit on my Target credit card. But when I tried to use my card, Target suspended it and did not allow me to use their card to make purchases, nor did they accepted to close the account and refund the credit balance. 

I contacted Target to resolve the matter, but Target kept stalling and delaying for unreasonably long period of time. First they requested that I fax them XXXX documents to " verify my identity '', which I complied with by sending them the documents more than once as Target claimed they " did not receive '' my fax. Finally, Target admitted that they did receive the documents to verify my identity. 

But even after verifying my identity, Target refused to release the funds to me ( by letting me use the card, or by refunding me the balance on my credit card ). This time, Target demanded to verify the source of funds that I used to overpay my credit card, so I explained to them that the source was prepaid XXXX debit cards, which I used in their own store to pay my target credit card, and therefore they have the detailed record of the source using their own system, but Target still refused to release the credit balance with the pretext that they " need to investigate the source of the funds '', and they refused to give me a date for when their investigation will be competed. 

Already one whole month has gone by for this investigation and the investigation does not seem to be going anywhere, and to me it seems Target wants to keep this investigation going indefinitely for the sole purpose of stealing my credit balance rather than to actually do any investigation.