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

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payment for XXXX, XXXX, And Experian! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX  Bankruptcy with Experian XXXX XXXX - Inaccurate reporting! This account is showing two different dates that a bankruptcy was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. Bankruptcy on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXXXXXX XXXX XXXX Reporting for Experian XXXX XXXX- was included in bankruptcy - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - Experian & XXXX - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - Experian XXXX XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - XXXX - This was included in bankruptcy - and bankruptcy on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - Experian & XXXX XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.
Product: Student loan

Payment plans they always directed me towards left me with an inflated principal much larger than the original amount owed. This lender is currently being sued how can I get help with forgiveness or payment options?
Product: Checking or savings account

Bank of Texas has seized my bank account with due process of the law. 26 usc 61 source of income. IRS publication states income must return to source and no were it is stated Bank of Texas is source. Since XX/XX/year> Bank Of Texas along with its employees Autumn XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has conspired to commit fraud, deception, malfeasance. CEO XXXX XXXX has been notified and refused to resolve this unlawful, unconstitutional seizure of my bank account. The only option I have is to file 1099B on the bank and federal lawsuit against bank of Texas and its individual employees. No were in the United States of America constitution it states Bank of Texas can seize money from living breathing natural men. I have spent countless hours to resolve this unlawful seizure including sending notices to Bank Of Texas. I want this issue resolved.
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 confidentiality under 15 usc 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly.

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: Debt collection

I signed up with XXXX solar services XX/XX/XXXX for solar panels. They installed the panels in XXXX XXXX XXXX The solar panels were installed for months with no active service due to company failing the XXXX XXXX XXXXXXXX XXXX therefore the company had to resubmit the permit application. However I was getting billed for a service that was not even working at the time. I contacted XXXX via phone and email which I have all emails on file. I took the company months before I could receive a reimbursement check after making serval attempts. XXXX XXXX then took over the company and things only gotten worse. Mosaic which is the finance company for XXXX XXXX XXXX billing me which I could not afford to make any payments due to the fact I was still had to pay my electricity bill with XXXX. This company has been giving me the run around and I made several request to cancel my services but to no avail. In XXXX I made a complaint regarding the damages the company did to my roof when they installed the panels because my homeowners insurance would not renewal my policy due to the broken damages. I filed a complaint with Mosaic informing the company that I have to pay my electric bill that I can not pay off a loan for a service that is not operable. I filed 2 complaints with the XXXX and help me XXXX. I was threatened by XXXX XXXX that if I don't with to proceed with the project that he will forward my account to collections. The only reason why XXXX got involved in my case because I filed the complaints with the XXXX. I have sent several emails to the company requesting cancellation of my project. Issues regarding the cancellation of my homeowners insurance but to no avail. They also sent a crew of the workers to my home without informing me that they were removing the panels off my roof. Therefore the solar panels has been detached off my roof for a year now. XXXX never completed the services and I informed them that I no longer want there services. However Mosaic attempted to put a lien on my home without even informing me. I have negative impact on my credit report for this company. XXXX XXXX is very unprofessional unresponsive and and provide unreliable service and I totally regret doing business with them. Mosaic removed the lien off my home in XXXX XXXX XXXX  and canceled the loan. I am not sure what is the status because I have negative impact on my credit report as a Mortgage and Home improvement loan. This is very unfair how I have been the victim in this matter and was obligated to pay for a loan for a service that I never received any services for. The same way they gave me false information regarding a tax credit and it will help me pay off the loan but I never received anything when I filed my taxes. I have all supportive information pertaining to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several time to inform the credit companies ( XXXX, Equifax, & XXXX ) about unauthorized hard inquiries ( 1 ) XXXX XXXXXXXX  ( XX/XX/2022 ) ( 2 ) XXXX XXXX ( 3 ) XXXX  XXXX. ( 4 ) XXXX XXXX ( XX/XX/2022 ). ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( 6 ) XXXXXXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX ( 9 ). XXXX XXXX XXXX ( 10 ) XXXX XXXX
Product: Prepaid card

Rushcard has been holding onto my refer a friend credits for way too long now. I 'll call and they say they 're going to send to cooperate as priority. Nothing yet. I have about {$180.00} worth of credits they owe me.
Product: Checking or savings account

I am filing a complaint regarding Chimes failure to properly handle a dispute on my account. During XX/XX/year>, a total of {$1500.00} was withdrawn from my account across XXXX transactions by merchants, Chime, and XXXX. I believe these transactions were unauthorized and invalid. 

I submitted a dispute to Chime on XX/XX/year>, providing all necessary details and evidence. Despite this, Chime has failed to resolve the matter or refund the funds to my account. I contacted the merchants XXXX and XXXX NY, and both confirmed that there is no account in my name in their systems. Furthermore, these platforms require users to be XXXX  years or older to create an account, and as I am XXXX XXXX XXXX, it would have been impossible for me to open or use an account with them. 

Despite presenting this information to Chime, they have not provided a satisfactory resolution. The merchants involved are not listed on the CFPB portal, so I am holding Chime responsible under Regulation E of the Electronic Fund Transfer Act to investigate these transactions and refund the unauthorized charges.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX I received a call and voicemail message from Capital One fraud department saying that they wanted to confirm suspicious activity with my information. I ignored the message because during that time I have been receiving many scam calls and texts to my cellphone. 

On XX/XX/XXXX, I was browsing my XXXX XXXX and found a hard inquiry done to my credit report that I had not requested or authorized. The hard inquiry was made on XX/XX/XXXX and the institution Information is : Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I quickly went to XXXX and submitted an online dispute describing what had happened. The resolution came on XX/XX/XXXX, and it determined that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The whole result of the dispute is attached in this report. 

On the same day, I called Capital One, and they told me that they are not able to do anything about it and that I have to take the concern to a Credit Bureau. 

After that, I called XXXX. They added a fraud alert on my credit information and prompted me to make a report to the Federal Trade Commission. From the FTC, I was redirected to this forum.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report there is one bankruptcy in XXXX and 3 accounts in XXXX that don't belong to me.
Product: Credit reporting or other personal consumer reports

I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. 
This situation is giving me hard times in my job and daily life. 

XXXX XXXX  XXXX -- XXXX This account is reporting in XXXX and XXXX. 
VW CREDIT INC XXXX -- > This account is reporting in XXXX only.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments below. Your report didnt fix anything for my problem!
Product: Checking or savings account

Accounts opened wrong email, wrong telephone number not opened by me no fraudent activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone attempted to get a loan with my credit file XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX someone attempted to use my credit fine again for a loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXsomeone attempted to get a loan on my credit file XXXX XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX
Product: Checking or savings account

Searched internet for a higher interest rate for my savings account until I paid quarterly taxes the next XXXX payments so I transfered {$28000.00} from XXXX XXXX  on XX/XX/XXXX to Synchrony high yield savings account. Also, wanted a savings account to deposit savings into on a regular basis with every paycheck. 

Quarterly taxes were due in XXXX. I tried to pay them using the debit card they supplied but it has an expiration date out of range for IRS XXXX website. 

So, I needed to transfer {$7000.00} back to XXXX XXXX, so I could write a check and pay my taxes to IRS and XXXX XXXX XXXX. Synchrony then restricted my account and cancelled the transfer. 

Hence, I had to borrow {$7000.00} from our family business to pay my taxes and next quarterlies are due in XXXX and my license plates and home insurance is due in XXXX. 

I have called multiple times to ask them to contact me and request documents to resolve this situation to no avail.
Product: Credit card or prepaid card

On XX/XX/2019, I received my monthly SSI deposit to my Direct Express debit card. I happened to be up around midnight and saw the deposit appear. A few minutes later I saw mysterious charges being made which I will outline below. P.S. I live in Rhode Island and was no where near Florida  : XX/XX/2019 Deposit from SSA - {$2300.00} -- -- -- -- Fraudulent withdrawals and purchases : XX/XX/2019 XXXX XXXX FL - ATM {$1000.00}, XX/XX/2019 XXXX XXXX FL - ATM {$500.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX XXXX FL - ATM {$23.00}, XX/XX/2019 XXXX XXXX FL - ATM {$.00}, XX/XX/2019 XXXX, XXXX, FL {$500.00}, XX/XX/2019 XXXX, XXXX, FL {$360.00}, XX/XX/2019 XXXX XXXX FL - ATM {$80.00}, XX/XX/2019 XXXX XXXX XXXX FL {$3.00}, There are no other purchases/withdrawals made in Florida as I closed the card IMMEDIATELY upon watching the account get drained. All other charges on my card are mine. I just noticed the XX/XX/XXXXcharges - apparently, whomever did this made these purchases a few minutes prior to the XX/XX/2019 monthly deposit. 
I have NEVER given my card or card number to anyone in FL. I don't know anyone!! These charges are so clearly fraudulent and it is extremely upsetting that this situation remains unresolved. I've had to take a loan from my bank to pay my rent, my bills, food, etc. SSI is my only income. I have XXXX XXXX  and am unable to work. I pray this can be resolved.
Product: Debt collection

Over the span of two weeks, I have received 26 calls to my cell phone from a debt collection company by the name C B E Group. My phone automatically rejects calls from this company but keeps a record of calls rejected. It is my understanding that it is in clear violation to make multiple calls to a number in a 24 hour period in an effort to collect a debt. I do believe it is considered harrassment. I would like the calls to stop and to pursue legal repercussion in regards to this harassing behavior. 
XX/XX/XXXX XXXX @ XXXX XXXX 3 times in one minute @ XXXX XXXX 2 times in one minute @ XXXX XXXX XX/XX/XXXX XXXX @ XXXX XXXX 2 times in 1 minute @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 3 times in one minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 times in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX @ XXXX XXXX 2 tines in 1 minute XX/XX/XXXX XXXX @ XXXX XXXX 3 times in 1 minute @ XXXX XXXX 2 imes in 1 minute @ XXXX XXXX  XX/XX/XXXX XXXX 4 times that day XX/XX/XXXX XXXX 2 times that day
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report listed below. 

XXXX : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} Experian : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$34000.00} XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

I'm disputing unjustified inflated rental charges imposed by XXXX Car Rental following vandalism of rental vehicle. I booked/reserved XXXX rXXXX  XXXX XXXX XXXX XXXX XXXX contracted rate of {$510.00} to attend a funeral in XXXX XXXX XXXX Vehicle was picked up at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for rental period XXXX. When not in use, vehicle was parked at curb in a residential neighborhood ( relative residence ). On XX/XX/XXXX ( approx. XXXX XXXX. ) I discovered vehicle had been vandalized when I attempted to move vehicle. Driver 's door lock was drilled out and something was jammed in the ignition not allowing me to insert key. Vehicle was not drivable. I immediately contacted XXXX Customer Service to report vandalism, was transferred to XXXX and XXXX and filed an incident report. Was informed vehicle would be towed to XXXX, that I needed to provide access to vehicle for towing company and XXXX would be contacting me. I was also guaranteed transport to the airport to catch my noon flight. Transport was never provided. Had to contact XXXX ride-share at my expense. Towing company contacted me at XXXX p.m. ( when I landed in XXXX ) to advise they were on site and towing damaged vehicle to XXXX XXXX XXXX as directed by Dispatch. I also filed a claim with XXXX XXXX XXXX as I have a premium rental car protection policy. Since this incident, XXXX has attempted to charge and collect unjustified charges for what they allege are XXXX additional rental days the vehicle was in my possession until I returned it to XXXX. This is untrue. The towing company XXXX XXXX XXXX XXXX XXXX ) has verified that the vehicle was returned to XXXX on XX/XX/XXXX the date rental was due. The towing company stated that once XXXX XXXX is notified and an incident ID is issued, the rental agreement is considered CLOSED. XXXX has turned me over to a collection agency, Viking Client Services LLC who are attempting to collect {$2100.00} for the rental ( {$510.00} rental fee plus {$1600.00} alleged additional days ). As documented on XXXX XXXX Rental Agreement, the correct/contracted amount of the rental amount is {$510.00}, which I am willing to pay without dispute. However, Viking agents are ignoring the facts and refusing to accept this amount and want to settle the debt for {$1000.00}, which is unjustified. I have done due diligence by complying with returning the vehicle as directed. I've spent numerous hours of frustration and stress attempting to communicate with XXXX Customer Service, and Viking without success. XXXX has also placed me on a " Do Not Rent '' list. XXXX XXXX XXXX has also tried to advocate on my behalf. I am a XXXX on a fixed income and wish to end this harrowing experience as soon as possible. I have documentation to substantiate my claim.
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX