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

Experian has been misusing my personal information without my written express consent. I have repeatedly call wrote in to their company to remove all the inaccurate information thats being reported on my consumer report. Under the fair Credit Reporting Act ( FCRA ), and Fair Debt Collection Practices Act ( FDCPA ) this constitute a violation of my rights. 15 U, S.C. subsection 1681e ( b ) ,1681 i, 1681 s 2, 1692 a ( 6 ), 1692 e, 1691f 1681 g ( a ), 1681 I ( a ) ( 1 ) ( A ), 1681 i ( a ) ( 7 ). Experian has violated my right consumer report reflect inaccurate information that still has not been updated nor has my credit score has been increased back to the XXXX that my score was before the violation now currently my consumer credit score has decreased to a XXXX within incorrect and misleading data effectively immediately restore my credit and delete all deceptive information from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fourth 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX RXXXX XXXX  XXXX XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has been 7 years and this record has been on my XXXX and XXXX. XXXX deleted once I went to the court house and notified them the courthouse did not report this information.

This information has been requested to deleted from Lexis Nexis.
Product: Debt collection

An apartment was rented that had began leasing on XX/XX/XXXX in my name. I was unaware of this until Saturday, XX/XX/XXXX when I received a notification that a collections account was added to my credit report. It is in the amount of {$24000.00}. I contacted the debt collector and they gave me a list of items to provide to prove that this is identity theft. This is the third apartment that has been rented using my identity in the past year, and the debt collector mentioned having a fake drivers license and paystubs in my name as well. I live in a completely different state than all 3 of these apartments and am trying extremely hard to remove them from my credit report as well as have these individuals handled properly as this is criminal behavior. I have since gotten identity theft protection.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Barclaycard to dispute several late fee assessments on my account and their failure to reply to email and written disputes of said amounts on XX/XX/XXXX and XX/XX/XXXX. My account due date is the XXXX of each month and the fees that I'm disputing are characterized as late fees : XX/XX/XXXX ( {$40.00} XXXX despite payments : XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$160.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$170.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$100.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$200.00}. 

I spoke with representative XXXX on XX/XX/XXXX, as the phone lines were closed the majority of the year due to COVID and I had been unable to reach anyone by phone, email or letter until this date. XXXX advised that Barclays closes their billing cycle on the XXXX of every month and as such will apply any payments made prior to the XXXX to the prior month 's billing. I advised that I make payments exclusively online through my In Home Support Services worker because I am disabled and pay someone to come in to handle my legal affairs at the beginning and end of each month. At no point in time did the website indicate that payments made on that day would not apply to the monthly payment. In fact, the minimum payment for the month showing as owing is always listed and gives the account holder the belief that it is being paid. 

I asked XXXX to transfer my call to manager XXXX XXXX XXXX, as I disagreed with their policy of assessing late fees for timely payments without providing any type of notice, as well as their failure to answer emails and written complaints regarding previous late fees, as I would've been apprised of their policy had they responded to my earlier disputes. 

XXXX refused to apply the payment that I made today for {$77.00} to my XX/XX/XXXX due date despite the fact that I told her that the payment was made online XX/XX/XXXX for my XX/XX/XXXX due date and that COVID has left me unable to make additional payments. Additionally, she refused to refund any late fees from XXXX despite their failure to respond to my previous disputes and only promised to provide a credit for the {$40.00} late fee assessed on XX/XX/XXXX in a future billing cycle. 

In most months, I make between 2-3 payments to help pay off my card sooner. At no time did their website alert me to the fact that my payments were not being recorded appropriately and they never responded to my inquiries to clarify their policies to allow me to make any changes.
Product: Mortgage

BSI FINANCIAL SERVICES - XXXX is reporting a late on my credit file from XX/XX/20. At this time i did not have access to my bank information and i made several attempts to make my payment over the phone and online with my debit card and they refused to take my payment. I was stuck out of town due to COVID and had no access to any of my information. Once i got back i was able to successfully make my payment but when i checked my credit file and saw the late. I was very disappointed. I was not trying to be late and since i had been in communication trying to make my payment i thought i was fine. I am very frustrated with BSI, i was never told i would get a late marking on my credit file and like i said since i was in constant communication with them trying to resolve this issue. It was truly out of my hands and feel as this late notation should have not been added to my credit file. I would like BSI to remove this late from my credit file.
Product: Debt collection

Called from local number XXXX-XXXX-XXXX and threatened to come to place of work for a signature, requiring a supervisor or HR rep from my company present as a witness. Left callback number of XXXX-XXXX-XXXX. Message was a recording, exact wording as such : I'm a private carrier contacting you in regards to a sealed document that requires a signature from you they are scheduled to be delivered and presented to you at a place of employment or residence within the next 48 hours between XXXX XXXX and XXXX XXXX please make sure to have two forms of valid ID and A witness to sign off on the document if you happen to be at a place of employment you will need a supervisor or HR representative to sign off as a witness if you have any questions or would like to place a stop on the service please contact the filing party immediately at XXXX-XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Transunion has violated my consumer rights for months with no regard to the law. I have reported to TransUnion that they are violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) more than once but Transunion has ignored me. They are reporting two accounts : XXXX with account number XXXX and XXXX with account number XXXX. Both of these mentioned accounts are not reporting 100 % accurate information. I have attached proof that I have alerted them of these two violations over 30 days ago along with my current credit report that displays all 3 bureaus proving that these two items are not 100 % accurate as the law states.
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 told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX, Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 supposed to modify accounts that aren't reporting correctly.

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

Illegal inquiries  hard n soft frauds pulls
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I issued an ACH payment through Webster Bank to XXXX XXXX in the amount of {$1800.00}. This was my XX/XX/2021 mortgage payment. 

Around XX/XX/2021 I received notification that my loan was being transferred to XXXX XXXX. 

On XX/XX/2021, I contacted XXXX XXXX  to pay my XX/XX/2021 mortgage payment and was told I never paid XXXX 's mortgage and had to pay XXXX + ~ {$200.00} late fee due to the payment being late. I made the payment totaling {$2000.00}. 

After XX/XX/XXXX through XX/XX/2021, I corresponded with XXXX XXXX  and Webster Bank to find the money that went out of my account on XX/XX/XXXX but was never returned nor posted to my mortgage loan. XXXX claimed they never received funds from Webster Bank. Webster claimed they sent the funds.

I was provided with letters from Webster Bank indicating that the money was withdrawn and never returned into my account. Despite the letters that contained tracer numbers, XXXX XXXX  denied having ever received the funds. 

Around XX/XX/2021, I filed an ACH dispute with Webster Bank to find the money they lost. They concluded this dispute and sent me a letter dated XXXX saying I authorized the funds to be withdrawn and thus my dispute was closed. 

I still do not have the {$1800.00} that was withdrawn from my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I submitted a request to Coinzoom to close my accounts with them. On XX/XX/2023, CoinZoom support staff replied that they would not or could not comply with my account closure request, citing that their system does not support such action. 

I do not have any outstanding debts or other obligations that would necessitate keeping the account open. 

CoinZoom cites that complete deletion of my personal info from their system is not possible due to financial records laws, but I have not requested deletion of my info- I have only requested for my accounts to be closed.
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 : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX  Balance : {$6500.00}
Product: Debt collection

XXXX XXXX XXXX XXXX {$690.00} Lanier collection agency for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with XXXX XXXX XXXX or Lanier agency
Product: Debt collection

Midwest is attempting to collect on a debt that I do not owe for {$610.00}. They are harassing me with an attempt to ruin my credit. They are reporting a debt as if I had signed a contract with them. Midwest is violating my Fair Credit Report act rights. They call and leave messages that they are sending someone to arrest me. They are reporting negative information on my credit reports.
Product: Credit card or prepaid card

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time or to my address.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Credit card

XXXX XXXX : {$7000.00} Date Opened : XX/XX/2023 I signed up for an interest-free period of XXXX months when I obtained this credit card, with a credit line of {$7000.00}. Since then, I have consistently made payments above the minimum due every month. My due date falls on the XXXX of each month, and although I typically pay within one to five days assuming a grace period, I have never received any notification or indication during the payment process that late fees would be applied to my account.

Every month, I receive emails reminding me of my bill due date. Upon receiving these emails, I promptly
follow the link to the Syncrony Bank Care Credit Card website and make my payment accordingly. However, at no point during this process am I informed that a {$41.00} late fee would be added to my balance
or deducted from my payment, along with additional interest on these late fees.

Upon reviewing my account activity recently, I was shocked to discover that I have been charged {$41.00} late fees every month since XX/XX/2023, totaling {$490.00}. Additionally, there is an extra {$24.00} in interest on these late fees, bringing the total to {$510.00} for the year. This practice not only feels predatory but also highly deceptive, as it does not align with common business standards or ethical financial practices.

As you will see in my attached documents that where im guided to check out thats exactly how it has looked every month even though they were attaching late fees to the balance. The only way I discovered said late fees was through my activity tab. Additionally the the fees listed YTD on another attachment are falsely listed as only {$170.00} again confirming the deceptive practices Synchrony bank is pulling over on consumers.
Product: Payday loan, title loan, or personal loan

Sim card was stolen from phone. Suspects applied for loans in my name through the months of XXXX to XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX that are UNKNOWN to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Student loan

I am currently paying monthly student loan payments to Mohela for my balance of XXXX dollars and hoping to be forgiven under the Public Service Loan Forgiveness program. Even though I have sent in periodic employment verification forms signed by my XXXX XXXX, Mohela has not applied a count to my forgiveness of this loan since XXXX of XXXX The latest communication I received from them was on XXXX stating that I had not met the 120 payments required for forgiveness when I actually met the goal of 120 payments back in XXXX. Someone that Mohela is not accurately reading my Public Service Loan Forgiveness Employment Verification forms correctly and applying the forgiveness. Meanwhile, I'm still paying them {$75.00} a month. When I ask if I will be reimbursed this monthly payment because I have made over 120 payments now, Mohela will not give me a straight answer and directs me back to the Department of Education when Mohela should have an answer as they are holding my loans. So according to my records, I have met the 120 payments for forgiveness back in XXXX but they still continue to show me at 116 payments for 8 months now. I am also owed a refund of my monthly payments since I met 120 payments and they are still taking my payment each month. It's simple math but Mohela refused to look carefully at my forms and consider what I am stating to them. Please help in getting them to forgive my loans and refund payments I have made since I should have been forgiven. I can clearly see online that I have provided the correct paperwork in order for the loan amount to be forgiven under PSLF.
Product: Debt collection

There is an account with Convergent Outsourcing reporting an inaccurate collection account on my credit reports. I am not familiar with this account and have reached out to them to get validation of debt to resolve this issue. It has been more than 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting documentation regarding this account or for the account to be deleted from my reports now as they are in violation of the consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

The above message was sent via mail on XX/XX/2023 to the Credit reporting agency regarding a student loan account. They refused to follow the law on XX/XX/XXXX that clearly states they are in violation of government code 15 USC 1681a. I've requested the account to be removed from my credit report.
Product: Debt collection

ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 3 collections for the last few years. XXXX # XXXX for {$990.00} XXXX # XXXX for {$940.00} XXXX # XXXX for {$1500.00}. The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXXThese charges are currently on my XXXX and XXXX but not on XXXX I sent a hiippa dispute letter on XX/XX/2021. Its been 30 days, no response. I have sent in 30 day notice to comply to both bureaus today.
Product: Credit reporting or other personal consumer reports

This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on XXXX and also Experian. It's reporting ( XX/XX/XXXX ) on XXXX. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. XXXX, XXXX and Experian has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : XXXX