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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit card

I am disputing the collection account with XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Despite my diligent efforts to rectify inaccuracies in my credit report by submitting disputes to XXXX, XXXX, and Experian, they have flagrantly disregarded their legal obligations under the Fair Credit Reporting Act ( FCRA ). It has been over 30 days since my initial dispute, yet they have failed to provide a response or take corrective action. This blatant violation of federal law is unacceptable, and I demand immediate resolution. Attached are copies of all correspondence sent to substantiate my claim.
Product: Checking or savings account

Im missing 2 refunded transactions coming from XXXX XXXX in the amounts of XXXX each totaling XXXX. XXXX XXXX sent a email receipt confirming the two refunded payments were sent to my bank DAVE XXXX the bank has done this multiple times before with not keeping my funds secure making it extremely easy for someone to steal everytime a merchant refunds my account I never receive my refunds anymore this happens every month I am tired of it they will lie and not investigate when they say they either didnt deposit it or they didnt protect my money causing someone to steal again its not right I have a family to feed they just dont care
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on multiple occasions since 2018, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws with govern them for financial gain from these false reports. I will also have a complaint filed with my State Attorney General.
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. I have already submitted a complaint and I have requested information regarding the accounts below over 120 days ago and have not received any information or a resolution from the companies listed. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : DEPT OF ED/XXXX  # XXXX has violated my rights.

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: Money transfer, virtual currency, or money service

{$360.00} XXXX Tried to petition because money was somehow not available and I never got a solution.
Product: Credit card or prepaid card

About 3 Or 4 mouths ago when I review me statement I fount transaction I did not made them I filed a claim and chase bank remove that transaction I found It again in my statement On XX/XX/2018 amount is XXXX it is for XXXX XXXX I contact XXXX XXXX company and asked them if I bought anything from the company or I have to pay anything to the company and they replayed that I did not made any transaction or bought anything from the company. ( please see the attachment ) I also contact chase bank about same transaction and the answered that the order is shipped to my address and it was under my name. 

I did not made this transaction and I did not receive anything The company which ( sold ) me said that they never sold any thing under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. XXXX XXXX XXXX account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of JACHO institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.
Product: Debt collection

G.E Capital Care sold the account according to them to Synchrony Bank in XXXX FL., which lists XXXX numbers XXXX or XXXX when I called they said the account had doubled from XXXX to XXXX dollars, and suggested that I contact another offsite agency that handled charge offs. I told them I was going to come to you and they said submit a letter in writing and mail to XXXX FL, attn. '' Dispute Department.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the XXXX house did not find any filling or any information shared with XXXX XXXX and then all these inquirires which are not mine never requested any services from those creditors on those dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of Equifax Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error and requires your immediate attention. My credit report contains mixed information, with accounts, transactions, and items that are not mine repeatedly appearing. This ongoing issue is extremely distressing and causing significant XXXX as it unfairly impacts my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I signed up for a solar home loan and the company that financed it with Sunlight Financial. The company that monitored the solar was power home solar also known as XXXX XXXX. XXXX XXXX has now went out of business and filed bankruptcy and therefore left all of its customers without workmanship on the solar system supplied by XXXX. Sunlight Financial is still trying to collect on this loan when the loan contract has been broken. Yes, The warranty with XXXX on the solar system is still valid but theres no one to service the solar system and currently my system does not work and has not worked since XXXX of 2022. Prior to XXXX, the system only worked periodically. I am paying {$65000.00} for a system that doesnt even work. I agreed to the loan with the expectation that everything in the contract would be honored. The contract has been broken. We did not have 2 separate contracts we had 1. In that loan we are paying for the equipment but we are also paying for the workmanship warranty and installation cost. I have attached an email with my complaint to the company.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late XXXX 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 60 days 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 XXXXXXXX Never Sent the XXXX 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 XXXX
Product: Student loan

I started paying on these loans on XX/XX/2012. Total payments towards Navient equal {$14000.00}. The balance of the loan remains almost at the same amount when the loans were first taken out. 

I also filed a complaint with Navient regarding the loans because some of those loans i don't recall signing for. When i was attending XXXX XXXX, i was paying XXXX over {$950.00} per month using my Gi Bill. On top of that, these loans were taken out for no reason, i was paying 100 % of the fees due to the school.

Attachment shows payment history.
Product: Credit card

I realized XXXX day after a payment was due that I had not paid my card. I went online to pay the balance and noticed that they had already put a late fee and interest on my account. I always pay the balance due. I called them to see if they would waive the fees and they said they would waive the late fee but not the interest. Although I was not really satisfied I realized I made a mistake and accepted that I had to pay the interest. I paid the balance the day after it was due. I then signed up for autopay to pay the future balances so I would not be late again. My following month was paid then when I received another bill there was interested on the bill again. I called for an explanation and they said that since it was late the XXXX time then the interest charge was automatically placed again. I explained that even if they wanted to claim that, the balance I paid was {$570.00} and the interest being charged for XXXX day was {$10.00}. That would come to 54 % interest. She claimed there was a basic interest charge regardless. I also spoke to her Supervisor and she also refused to budge. I told them that if the {$10.00} was not waived I would cancel the card, which I intend to do after I pay the current balance. I still disagree with their practices and told them I was going to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago XXXX XXXX  acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the XXXX XXXX   XXXX XXXX account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my TransUnion and XXXX  credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.
Product: Checking or savings account

So there a charge on XX/XX/2018 that was not authorize by me for XXXX for XXXX XXXX and I let navy federal know about it and nothing was done also I had ACH charges to account that I never have or used that I disputed and I was told nothing is going to be done by it I want my money back
Product: Debt collection

I asked for validation of this debt owed. I am unaware of this debt - who what where or when this debt is from
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt.

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.

15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating XXXX is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payme
nts may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6400.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

XXXX XXXX XXXX is reporting as an open unpaid account with a past due balance of {$8300.00} as of XX/XX/XXXX. 
This account was opened XX/XX/XXXX and included and Discharged in my chapter XXXX Bankruptcy XX/XX/XXXX. 
Experian refuses to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX.XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX ... XXXX XXXX XXXX, XXXX XXXX XXXX. I reached out to the FTC and my local police and Im also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I need to stress that this complaint isn't a mistake. My credit report has an inaccuract that isn't assured to be the maximum possible accuracy. This error are really weighing on me and is continuing to affect me negatively in ways you can not is to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit card or prepaid card

I never signed up for Syncrony Financials card security on my Care Credit Card. They have now for the past two months charged me over {$150.00} in card security fees that I never signed up for. It is surpassing my interest its ridiculous and I never opted in nor did I know that I needed to opt out of it. I have emailed them twice. Once on XX/XX/2018 as well as XX/XX/18 that is atrocious and I used this card to help me get myself better at the doctors not at some store getting a manicure.