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

This is my first 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, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} Account Name : XXXXXXXX XXXX XXXX # XXXX Opened XX/XX/XXXX - BALANCE {$3700.00} Account Name : XXXX XXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX - {$12000.00} Unauthorized Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Have Tried Every possible way to cooperate with Clarity Services and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a 1099c from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Product: Credit reporting or other personal consumer reports

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. 

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

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX 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 XXXXXXXX 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

On XX/XX/2023 Experian dropped my credit score significantly based on false misleading information from XXXX bank. I only have a checking account through XXXX, only a debit card. The new information states I had a XXXX  bankcard, and it's reactivated. It states I've used XXXX  % of my available credit. This is a false misleading statement.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ) 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, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XXXX, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a recent debt added from Southwest Credit System originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with XXXX. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX  cable, they are saying I had cable opened XX/XX/2020.
Product: Debt collection

i received a ticket last year right before my husband returned from XXXX. I forgot about the ticket and i found it and wanted to pay. went online to retrieve information from the XXXX XXXX Superior Court and was referred to contact Alliance One. I called them and the representative attempted to verify my account by my social, which i told him he did not need for a traffic ticket. He then attempted to verify my address with what they had and they had the number off and the zip code. I have never received anything from this company about my debt. The representative XXXX XXXX then said his office only takes a full balance payment after he told me the payment was for XXXX. He said that included a {$300.00} assessment fee. So if i am correct that means my ticket was {$380.00} and the fee is almost a XXXX % penalty fine? He then told me, " well you got the ticket 11 months ago ''. Once again I reminded him that I never received a notice of debt from XXXX XXXX, the fee was n't on the ticket, and they had never sent me anything. To which he said " by signing you acknowledge the fee ''. I also explained how i was calling in good faith to fix my fine, but he told me i could contact the court and they would tell me I had to contact them,. Basically I had no resource then to pay the fee. Please let me know what other resources i have. i do n't have a problem paying the fine and a fee, but a assessment fee of almost XXXX % seems to me to excessive and I 'm wondering if illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXX and now they are real and putting charge-offs and late payments on XX/XX/XXXX I was also part of the XXXX   breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for Experian XXXX XXXX free age XX/XX/XXXX it's been closed since XX/XX/XXXX
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 USC 1681. 

Account Name : Dept of Ed/XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXXXXXX  ( Duplicate date with wrong amounts ) - {$10000.00} and {$4000.00} - inconsistent amount report from other two credit bureaus. 

Account Name : Dept of Ed/XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXXXXXX  ( Duplicate date with wrong amounts ) - {$1200.00} and {$960.00} - inconsistent amount report from other two credit bureaus. 

Account Name : Dept of Ed/XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXXXXXX  ( Duplicate date with wrong amounts ) - {$5300.00} and {$8000.00} - inconsistent amount report from other two credit bureaus. 

Account Name : Dept of Ed/XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX ( Duplicate date with wrong amounts ) - {$2600.00} and {$1900.00} - inconsistent amount report from other two credit bureaus. 

Account Name : Dept of Ed/XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX ( Duplicate date with wrong amounts ) - {$5700.00} and {$6400.00} Account Name : XXXX XXXX XXXX Account Number : : XXXX failed to verify legitimacy of account by providing contract. 

Account Name : XXXX XXXX - Account Number : XXXX reported inaccurate and inconsistent payment history since XXXX. 

Account Name : XXXX XXXX - Originator XXXX XXXX XXXX  - Account Number : XXXX I did not enter into a contract with XXXX XXXX. I requested a copy of the original contract in which they failed to provide. Inconsistent information from original creditor placed on credit report Account Name : XXXX 's - Account Number : XXXX inconsistent reporting from other two credit bureaus Account Name : XXXX - Account Number : XXXX  inconsistent reporting from other two credit bureaus Account Name : XXXX XXXX XXXX XXXX - Originator -XXXX XXXX - Account Number : XXXX. I did not enter into a contract with XXXX XXXX XXXX XXXX. I requested a copy of the original contract in which they failed to provide. 

Account Name : XXXX XXXX- Originator XXXX XXXX - Account Number : XXXX. I did not enter into a contract with XXXX XXXX. I requested a copy of the original contract in which they failed to provide.


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 604 A 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 records of convictions of crime which antedates this 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!
Product: Credit reporting or other personal consumer reports

After pulling my credit report, I could see that Target was reporting late payments on these days listed ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). I've called Target several times to get this inaccurate information removed because my accounts were never late. The Target reps never helped with disputing this inaccurate information. It was never removed or updated. This is against the FCRA and 15 USC 1681.
Product: Mortgage

I purchased a flood insurance, not required by my mortgage company. I had a flood and got a check for {$32.00} in XXXX. I have been stonewalled by my mortgage company ever since and have not been able to cash the check. I rebuild my house as a owner/constructor and should be able to fix the damage myself. I have all documents to prove that I was my own construction company. The mortgage company will not respond to any of my correspondence XXXX XXXX, XXXX XXXX XXXX, a XXXX XXXX supported lawyer company. 
I was in foreclosure, through XXXX I am no longer in foreclosure and has not been for a year. 
My foreclosure lawyer also tried to help me in this matter and he got stonewalled as well. 
I do not know how to or where to go for this matter to be dealt with and hope you can help me so this matter will be resolved.
Product: Vehicle loan or lease

I opened a loan with peak acceptance XX/XX/XXXX and the car I had to let go for medical reasons it took them two months to pick it up and finally picked it up on XX/XX/XXXX. After the repossession i tried to contact them about personal belongings in the car and was not allowed to do so also I never received any notice about the sell of the vehicle like they are suppose to send you. Also I never received any paper work after the sell of the vehicle about any kind of remaining balance are any type of information from them. Also on my credit report they report date of last activity as XX/XX/XXXX and the car was repossessed in XX/XX/XXXX and they continued to report to my credit as me being late until XX/XX/XXXX even though there was no communication from them at all about any remaining balance are debt owed to them. Upon contacting them about this info I was told they do not have my debt in there system but yet call me 5 minutes later and say they found some information on my account but were unwilling to allow me to talk to anyone in the reporting department.
Product: Debt collection

I was hospitalized at the XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX for approximately 12 days. At the time, I had no insurance coverage. As a XXXX XXXX veteran, medical bill assistance was available to me. Additionally, the hospital had a program that enabled the forgiveness of all related debt for the hospital stay and treatment for which I qualified. Immediately after my hospitalization ended, I applied and was accepted into their medical forgiveness program. Within 120 days of my hospital stay, I received a letter from the hospital notifying me that the entire hospital stay and all related treatment debt had been forgiven. 

Approximately 9 months after my discharge from the hospital, I received a letter from IC Systems notifying me that I owed approximately {$6500.00} for an unpaid medical bill from the XXXX XXXX XXXX XXXX  Hospital of XXXX XXXX, NJ. I immediately called the hospital. During the call, I was told that I had no outstanding or unpaid medical bills. Further, the hospital spokesperson stated that not only was the information about the bill incorrect, but that the hospital did not use IC Systems to collect their delinquent debt. 

After I completed my inquiry with the hospital, I called IC Systems. Their spokesperson stated that she would look into the validity of the bill, but it was solely my responsibility to satisfactorily resolve the matter. IC Systems never followed up or acknowledged this telephone conversation. 

On more than one occasion, I have attempted to have this debt removed from my credit report with XXXX   and XXXX. The reply from both credit reporting agencies has been that the debt appears to be valid. I noticed today that IC Systems has changed the classification of the debt on the XXXX report to show that they are the lender and I am the " borrower '', as of XX/XX/XXXX. Clearly, that is an incorrect statement. 

The alleged debt is not valid. I believe that IC System, XXXX XXXX XXXX XXXX XXXX XXXX, MN is committing a fraud with the goal of collecting a fictitious amount at my expense. In the meantime, my credit score and family are suffering because IC Systems regularly modifies their notes to give the appearance of fresh or renewed collection efforts. 

At this point, I have been held captive by IC Systems for nearly 4 and half years!!
Product: Debt collection

National business factors in XX/XX/XXXX repeatedly call my place of employment and home 7 to 8 Times a day stating I would be garnished and bank account froze if I did not set up a payment plan. I never received notice of these bills from XXXX XXXX XXXX XXXX but I had taken my children there due to emgenecies out of my control and I had no income or job but could not get the XXXX approved. Once I had a job they kept calling and threatening garnishment of my paychecks if I did not set up a payment plan which eventually I did and paid XXXX a month for 2 years but yet none of the medical debt went away and barely paid off. XX/XX/XXXX they started harrassing me for another payment plan stating the other one did not count and I were to be garnished again they kept calling my work and my phone I had to get a new phone number and bank account to stop it.
Product: Vehicle loan or lease

I have filed a few complaints about BBVA Compass Bank. Their response was just posting the bill of sale of the motor vehicle and financial loan information without any explanation. BBVA Compass Bank also had committed fraud the information that was sent in response to me listed that the sales date of the car was XXXX XXXX of XXXX. I did not purchase the vehicle on XXXX XXXX of XXXX. I did not sign anything until XXXX XXXX of XXXX. XXXX XXXX was also the same day that I had put {$4000.00} dollars down as my down payment. So BBVA Compass Bank approved and made the sale of the vehicle on Monday XXXX XXXX of XXXX. I did not purchase the vehicle until Tuesday XXXX XXXX of XXXX. So that would be them either commuting some type of fraud or making the financial loan invalid. That making me Not Responsible
Product: Debt collection

Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. 

I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. 

I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.
Product: Mortgage

On XX/XX/XXXX I received a mailed letter ( dated XX/XX/XXXX ) from XXXX stating that my homeowner 's insurance policy had not been renewed, and that if not renewed, XXXX would purchase a policy for the house for an excessive amount. 

On XX/XX/XXXX I called XXXX customer support and was told to have my insurance provider ( XXXX ) send a renewal notice. I called XXXX on XX/XX/XXXX and requested the notice be re-sent ( they told me they had already sent multiple notices to XXXX. ) The representative from XXXX also found that my home loan number on file was incorrect. ( I am unsure of whether XXXX changed my home loan number, or if it somehow became corrupted on the insurer 's end. The insurance premium was paid out late by XXXX in XXXX and there was no misunderstanding about the loan number. ) The loan number was corrected and an updated renewal notice was sent to XXXX. I received in the mail a copy of this notice dated XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again and they said they had not received the new policy renewal notice. They once again asked me to send them another copy and I did so. There has been no response.
Product: Debt collection

This company never contacted me prior to listing my balance in my credit report. Upon contacting them, they acknowledged that they had a return address, and used an old address without verifying. 
My account with the lender shows my current address, yet they frivolously used an old address, did not verify and never notified me of my rights to dispute, nor informed me what the debt was related to, nor that it would be placed on my report. 
I never received any notice or communication from this debt collector prior to contacting them. 
Upon contact, they exhibited rude practices and said there is no legal requirement for them to let me know of my rights, or contact me in any way.
Product: Checking or savings account

I use Chime and have for about 5 years now. I wasn't aware of the last lawsuit and now XXXX is available for me to use. The problem I have is when I get short checks it repays my previous balance and lowers my credit limit. Then it reloads slowly by day. They take XXXX of my paycheck and hold my funds from me every week. Then let 's me borrow the money the next week. It's causing me to fall behind on my bills cause I don't have full access to my whole check anymore. And support just transfers me until someone hangs up. It's been almost a whole year now I've been complaining and no one is helping me within Chime support. They just tell me that's how the system works. I work to hard for my money to be just taken from me every week and only to be offered a small portion of it back to actually pay bills.