23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Vehicle loan or lease

ON XXXX of 2021 i realized a 30 day car late on my credit report for XX/XX/2021 by Ally Financial for my car lease, after reviewing my documents, i realized that this happened because the company failed to update my statement and didnt send me an statement for the month of XX/XX/2021, I reached out to Ally financial on XX/XX/XXXX of 2021 and I spoke to a representative and I complained they should take care of the XX/XX/2021 late reporting, since the companies neglecting of not sending me a statement resulted on the late, the representative told me she will take care of it and with 45 days I will see a change on my credit report, however after 45 days I called again to see if there is an update and there wasnt any changes or note in this matter, so I asked for a supervisor, and the representative transferred me to a supervisor by the name XXXX XXXX and after discussing with her the above issue she promised me she will send the right documents to the credit bureaus to remove the late mark on my report, and I will see the change within 30 days, after that period I checked and there was no update I called back the supervisor XXXX and she agreed that the company failed to send the document to to the bureau and she apologized for this, however we up now to 71 days and there is no result and ally financial representative and supervisor agreed with me that they failed by taking care of the issue in the right time.
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 XXXX  Bankruptcy Account Number : 2013657 has violated my rights. Or list of inquiries 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 or other personal consumer reports

I have some dipute results that i cant see and i also cant see a new credit report only a old one that doesnt update. If there is any names or date of birth on my credit report that arent mine i need them removed and also all inquiries that are associated with those names. I will upload drivers license as well.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withut my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As of XX/XX/19, I have received notification of a hard inquiry on my credit report from a Phoenix Financial about a medical debt collection. I have no collections out for any medical bill, which was proven after I called every medical related billing department in my knowledge and they confirmed all have been paid in full and not sent to collections. I want this off my credit fr report. 
Also I have received about 30 calls just yesterday ( now blocked by XXXX XXXX XXXX ) from an XXXX XXXX to collect on a medical bill that also does not exist.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed inquiries that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My credit card account was taken over last year and fortiva has failed to update negative information and the credit card account itself. On top of that bombarding me with emails asking for me to pay interest charges and late fees from the result of my account being compromised.
Product: Checking or savings account

Someone hacked my Chime account and started changing my phone number and my password so I didn't have access to my account. I called chimes immediately and told them the person who made those changes wasn't me and that I needed to speak to fraud department. They told me they didn't have a fraud department but that they had placed a freeze on my account. They then said to send copies of my driver license, social security number and to email a picture of myself ..... I email them all these information multiple times and I called to see if they had received it and they kept saying they didn't received anything. I told them I have the proof I have sent all the information multiple times and they wouldn't respond to me, they ended up closing my account, they didn't send me the money that was left in my account like they said they would and they left a horrible report on my credit report as if it was my fault that someone was doing fraud and they couldn't do anything about it!
Product: Money transfer, virtual currency, or money service

I attempted to transfer money from my Regions account to my XXXX account using XXXX on XX/XX/XXXX, under the impression that the funds would be available same day. After submitting the transfer, I was informed by Regions ' mobile app that the funds would not be available until next day ( XX/XX/XXXX ). After reading Regions Account Agreement,  the only exception for the funds not being available same-day ( other than for suspicious activity ) is if the Receiver has not enrolled in XXXX. The receiving account XXXX XXXX XXXX has been enrolled in XXXX for a while, and funds have been transferred to and from this account previously. 

I called Regions at XXXX and spoke with XXXX who explained that Regions does not dictate the processing times for XXXX transfers, but XXXX does. Is this true? 

I am wanting to know the reason as to why the funds are not being sent, to be available, immediately ; as Regions is holding the funds. This has caused a huge inconvenience and if I would have known the processing time ; I would have found another means to transfer the money. The notification of when the funds will be available should be displayed before the transfer is initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Avant LLC/Web Bank XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX/XXXX/XXXX amount {$550.00} i.m I'm disputing to the delinquent on my account in the amount of {$13000.00} that is incorrect ... ... .right Balance {$13000.00} ....
Product: Payday loan, title loan, or personal loan

The Continued Discrimination and deprivation of rights by Brightside Benefit is as follows : I applied for a loan through Brightside Benefit with XXXX XXXX XXXXXXXX XXXX as a consumer pursuant to 15 USC 1692a ( 3 ). Brightside Benefit representatives has continued to illegally force a {$33000.00} base pay requirement in which they have stated that XXXX and XXXX XXXX  has instructed them to enforce that illegal base pay requirement. Upon speaking to XXXX and XXXX XXXX  representatives on XX/XX/2023 they both stated that the {$33000.00} base pay requirement does not extort and that I am free to apply the same as anyone else in which I informed Brightside of XXXX & XXXXXXXX XXXX. Brightside stated in the attached screenshot for me to obtain something in writing from XXXX XXXX XXXXXXXX XXXX in which I have. On XX/XX/2023 I spoke with Brightside representatives and they continued to enforce the illegal basepay requirement. Brightside Benefit representatives further verbally enforced the base pay requirements that they stated is enforced by XXXX, they then shifted the blame on my employer, they then shifted the blame to a question that I answered to apply for services. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have been knowingly with willful intent discriminated against by Brightside Benefit and their representatives. I have obtained a written email from XXXX XXXX XXXX XXXX XXXXXXXX that there is no basepay requirement whatsoever. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of Brightside Benefit and their representatives they are civilly liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. After emailing the XXXX email response attached below and adding it to the chat Brightside Benefit stated during a call held on XX/XX/2023 that they will have a manager contact me but they can not guarantee contact. The CEO of Brightside Benefit Inc. is XXXX XXXX. I have have yhos business many chances to remedy this matter. Pursuant to 12 USC 4502 ( 6 ) I have compensation in relation to employment not income. As a consumer I am demanding that Brightside Benefit provide the documentary evidence with supporting laws that they have the authority to dictate what I can and cant apply for as a XXXX XXXX and a National of the several states. This business has knowingly with willful intent caused me damages as an aggrieved applicant for their acts of discrimination and deprivation of rights practiced against me. This complaint was made in good faith, peacefully, and respectfully.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at Ace Check Cashing a cashier 's check from a online job offer in the amount of XXXX after 30 min of varification was as hand back to and she said I can't cash this
Product: Checking or savings account

On or about XX/XX/2023, I contacted American Express Serve regarding transfers and reversals of funding done to my account. These transactions were in fact fraud. Along with the federal ID Theft report and correct documentation, I requested they close my high yields savings account. And open a brand new account with the funds from the old account. 

The customer service representative after verifying my identity took a look at my account and explained that there really was no need for that. As I wouldn't be expected to pay taxes on the transactions and that I didn't really have any money in my account to begin with so there was not need to actually close the compromised account and issue a new one. 

I than asked about my Banking History report and how that would look, she laughed and said, '' well I didn't really have a lot of money anyway. So it didn't really matter if it makes me look suspicions any way. '' She than asked if that was all I needed, and to have a good day.
Product: Checking or savings account

I was scammed/Frauded by someone acting as Wells fargo 's agent on XXXX XXXX XXXX pm I received a text from Wells fargo bank fraud department asking me if I had XXXX {$2500.00} to someone. I answered no. the next text said that " A representative will be contacting you shortly ''. two minutes later someone claiming to be wells fargo Fraud department agent called and said money had been taken out from the bank and I needed to XXXX  the {$2500.00} to a XXXX agent and they will return the money to my account shortly. I questioned him if he was a wells fargo representative and said yes. I checked the number he was calling from and I confirmed that the number was the official customer service number in the back of my XXXX  card. I filed a claim XXXX minutes after he disconnected the call on XXXX XXXX received a response from Wells fargo denying my claim saying they can not money sent through XXXX. this letter was dated XXXX and I received it on XXXX XXXX. 
I have accounts at XXXX and XXXX XXXX XXXXXXXX and they would absolutory handle such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency shows on the summary page of my credit report - LATE PAYMENT. However upon meticulously checking each and every account on my Experian, XXXX, and XXXX credit reports there are NO late payments recorded. 

Upon call Experian to notify them of this issue, several Experian representatives agree that they can not find a late payment on any account open or closed. They do not know why it appears in the summary section of my Experian credit report. They do not know how to remove it. 

This is preposterous that a credit reporting agency can not accurately report credit history. 
This information is false, it is damaging for potential creditors to see, and furthermore by Experian 's own admission it is inaccurate. 

Please make Experian to remove this false information from the credit summary on their report of me. I know I am just one individual but this inaccuracy is damaging to obtaining lower interest rates, finding good lenders, and possibly getting approved for loans, credit cards, etc. 

This is unfair practice, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several of my accounts are paid in full ; per the letter attached. The total amount paid off was {$47000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and Equifax. I have a excellent payment history. I am XXXX XXXX and Retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted Equifax directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? Equifax is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.
Product: Debt collection

I first saw an address on my credit report that I did not recognize as well as XXXX XXXX XXXX whom I had no business with ). I contacted this property and was advised there was a broken lease and an amount due. I advised them of not having any knowledge of this, someone using my identity and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had over XXXX inquiries on my credit reports, had accounts attempted to be opened in my name and addresses here in Texas and California that I was I had lived at XXXX Park XXXX XXXX XXXX XXXX XXXX Tx for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX Properties via email XXXX/XXXX/XXXX to XXXX XXXX of National Credit Audit Corporation, XXXX XXXX and XXXX XXXX of XXXX Properties. I have also filed complaints with several government agencies. I have XXXX XXXX and this is upsetting me. I also have fraud alerts on all of my credit reports. I applied for another apartment and was advised to contact Resident Verify where I was advised that XXXX XXXX has a Civil Judgment against me on XXXX, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and Transunion after the police report ( that names XXXX XXXX XXXX was provided. Neither of these companies has or had ANY OF MY CONTACT INFO, my address, my email address, etc and also I HAVE NEVER BEEN TO XXXX PROPERTIES AND HAVE NEVER SIGNED A LEASE OR AM AWARE OR ANYONE WHO HAS. There were other addresses on my credit report XXXX places in XXXX and other XXXX XXXX that were removed by XXXX and XXXX. This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and they did n't have the correct email when I spoke with them. So who did they serve? Who received the info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft.All of the verifiable info supporting my truths have been disregarded and I am willing to take all legal actions against these companies and am in the process of doing so. I would NEVER have known this had I NOT applied to another apartment whom I have supplied the emails I have sent to XXXX Properties and XXXX, phone calls to the companies, Police Report, and they were advised by Rent Verifiers of the XXXX XXXX on my credit reports. This is ridiculous. I have lived in XXXX Texas for 12 years since XXXX and XXXX XXXX La from XXXX. My brother is a retired XXXX Police XXXX and has been here in since XXXX. I have tried endlessly to get this resolved before these companies filed a Judgement against ME, someone whom never received NOTICE of this until I pulled MY credit reports through Annual Credit Report, and the judgement from the apartment that I am attempting to lease.
Product: Payday loan, title loan, or personal loan

After running my credit twice and submitting all necessary documents from what was a statically on the outside to be a guaranteed loan for XXXX this company had no respect for the fact of me being a victim of ID theft and asked me a question that did not pertain to me in the slightest in order to boilerplate did Nite me and continue on with. There program of curbing. Tensional borrowers should be given the chance to prove their identity in different formats considering the circumstances in this company chose to show no sympathy but yet ran my credit lowered my score and wasted my time. 

Upgrade received my ID ss card bank statement and a price of mail And completely ignored the fact that I was a victim of IDs left that I had called on the same phone as the warning on my credit Had me sign loan documents as if I was approved already before making the decision regarding verifying my ID and send me simply a blanket boilerplate denial putting me in distress.