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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with XXXX and Apple Card. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXXXXXX XXXX XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, XXXX, XXXX and Apple continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , the XXXX credit reporting agency , and Apple Card ( XXXX XXXX  ), block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX and XXXX, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy.

I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure option, a requirement under 15 USC 6802 ( b ) ( c ). 

I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations. 

Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX & Potfolio Recovery ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

RECEIVED A DEMAND BILL FROM SIMON 'S AGENCY FOR INVOICE WITOUT SUFFICIENT DOCUMENTATION TO VERIFY ACCURACY OF BILL. REPEATED ATTEMPTS TO CONTACT AGENCY BY PHONE AND EMAIL, AND REGULAR MAIL WERE NOT RESPONDED TO. INVOICE WAS PAID TO PREVENT A NEGATIVE REPORT TO RATING AGENCIES.
Product: Debt collection

Received a letter from I.C. Systems Inc stating that I owe {$1400.00} to XXXX XXXX. I have had other debt collectors fraudulently place this debt on my credit report in the past. I have never had any account with XXXX XXXX, I have never done business with XXXX XXXX. I'm demanding that I.C. Systems Inc. Cease and desist immediately. This debt is not mine I have never done business with XXXX XXXX and I strongly believe this is fraudulent. I will take legal action against I.C. Systems Inc if they continue to pursue this alleged debt, and if they pass or sell this fraudulent debt off to another debt collector I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reinserted an account that was deleted from XX/XX/2019. They said that I had initiated a dispute. Hiw can you dispute an account that was deleted 3 months ago? I called Experian and they said it was a different account. I only had one account with credit one. I reviewed the account and it was in fact the same account. I have a letter from credit one saying they are going to delete the account. I sent the letter to Experian and they say the account remains and has been updated.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Balance : {$120.00}
Product: Money transfer, virtual currency, or money service

I have sent complaints to cash app about fraudulent purchase I've mad over a number of yrs and they were of no help at all to me. I've gad to cashapps closed and not one explanation as to why. I've lost thousands dealing with thos company and they gave me the impression that there was nothing they coyd do about it. I'm nit sure of exactly dates I just know that I started using cashapp back in XXXX but the problem began around XXXX and two accounts later. I tried calling the number they have to resolve and I'd always get out on hold then the phone would hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XXXX XXXX, XXXX. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX JA XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX ACCEPT XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion due to their failure to address my repeated disputes regarding inaccurate items on my credit report. On multiple occasions, specifically on XXXX, XXXX, XXXX, XXXX, and XXXX, I sent dispute letters to TransUnion, urging them to investigate and rectify these inaccuracies. 

Furthermore, I contested incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and recent bill with my current address. 

Despite my diligent efforts, TransUnion failed to conduct a reasonable investigation into the disputed items. Instead, I received responses dated XXXX and XXXX, stating that they did not receive requests directly from me or an authorized third party. This response is unacceptable as it undermines my consumer rights protected by the Fair Credit Reporting Act. 

As per the FCRA, credit bureaus are obligated to conduct thorough investigations into disputed items. TransUnion 's failure to do so constitutes a violation of my rights. I am providing copies of the dispute letters sent to TransUnion, along with their responses, as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XXXX XXXX, XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XXXX XXXX, XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against Chase Credit Card Services for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing.

1. Inaccurate Reporting of Payment History and Targeted Retaliation : Chase inaccurately reported my account, ending in 1156, as 90+ days past due. This misinformation appears to be linked to the combination of a Chase loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by Chase directly correlate with my dispute, indicating targeted retaliation.

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, Chase neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and Chase responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, Chase charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, Chase imposed a late fee based on false reporting. Additionally, Chase arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations.

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by Chases system.

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds Chase accountable for these actions, ensuring fair and ethical practices are maintained.

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried every month over the last year to get these accounts that do not belong to me removed from my credit reports, they keep saying " verified '' and then when I ask how it was verified I get no response and start the dispute process over again. I have supplied definitive ( signed and/or notorized contracts ) proof that these accounts do not belong to me! If they are not removed voluntarily I will be forced to proceed with legal action.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$2200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$4900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$8300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.these failure align with my experience, where Experian has neither nor corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts that I have done, as Experians indication violates federal law and my rights as a consumer.