23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, today I got my new credit report from credit monitoring My XXXX, and I'm still see that XXXX  and Experian still reporting a late payment on XX/XX/2015. When is not a late payment reported in Transunion. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable.

Also Credit Bureau should get information from the same FurnisheXXXX XXXX XXXX XXXX ) in this case.
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 accounts 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 Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXXXXXX XXXX Inquiry Date : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This complaint is in addition to complaint file # XXXX. 
Violations : Violating FCRA laws set forth in the Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-. 208. Reporting false and harmful negative consumer information concerning late payments by consumer falsely.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX 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

XXXX, Equifax XXXX XXXX have failed to accurately report and remove fraudulent accounts from my record. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. As a result during the period of my XXXX  multiple fraudulent credit card accounts were opened in my name. Three XXXX XXXX XXXX accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Master Card {$9800.00} & XXXX XXXXXXXX {$5800.00}. These cards totaled over {$33000.00} in fraudulent debt resulting from identity theft. XXXX  department store credit card {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit card totaling {$4800.00} in fraudulent debt resulting from identity theft. I submitted the required documents XXXX police reports, letters from XXXX XXXXXXXX XXXX multiple times to transition bit they have failed to act appropriately on my behalf. All of the accounts listed were opened between the periods of XXXX and are all a result of identity theft.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 
Creditor name : XXXX XXXX XXXX ; Account name : XXXX XXXX ; and Account name : XXXX XXXX XXXX all have violated my rights. 

15 U.S.C. 1681 A. States I have a right to privacy.

15 U.S.C. 1681 A Section 2 : It also states a consumer reporting agency can not furnish any accounts without my written instruction.

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 and any other adverse item of information, other than records of conviction of crimes which antedates the report by more then 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

They call all hours of the day and night all the way from XXXX to XXXX 7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the XXXX customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was XXXX, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.
Product: Checking or savings account

Hello, I am a XXXX  year old male who is having issues with XXXX  account from golden one. I am of age to possess this account. Golden one will not allow me to transfer fund out of account. Golden one is illegally holding fund that I can not access. I pay the taxes every year on this account and can not access any of the money?
Product: Money transfer, virtual currency, or money service

This is a formal complaint against Xoom a XXXX XXXXl money transfer service I make this complaint because of the blatant misrepresentation of their service and the time that I was told it would take for my money to become available to me. It is my belief that Xoom purposefully holds peoples money for extended periods of time so as to collect interest on those accrued funds. Example : If Xoom processes $ XXXX XXXX dollars that they say will take one hour to transfer and then holds that XXXX XXXX dollars for five days they will be collecting interest on that money. Money that is not theirs and in that time denying the rightful owner of that money their ability to collect interest on that money or to have use of those funds thereby potentially causing unjust hardship on the rightful owner of those funds or the rightful collection of interest of interest on those funds. 
I now will give account of my exact experience that gives cause to this complaint I initiated a transfer of funds from one of my accounts to another one of my accounts. Both of these accounts have been used and verified by Xoom in a previous money transfer/ The account I transferred from was exactly the same and the account I transferred to was exactly the same. The first time I used the Xoom service I gave leeway for what was a timeframe that extended beyond what I was told in the understanding that having to verify these accounts may be a legitimate course of action. 
I now give account of the second transaction that gives cause for my complaint. 
When you go on the Xoom website and start a money transfer you are given options on what they term Receiving Options, please see attached image to see these options. I chose the option Debit Card Deposit, this option offers the fastest service, that they say may take up to 30 minutes, and of course my expectation that my funds would be available to me within the timeframe that Xoom advertised and stated. After I completed the transaction I did not receive an email confirming the process, whenever I do any business online and don`t get an immediate conformation email, I always take a snippet image of the transaction number while still on the website, you can see that image also attached to this form. Also because I did not get an immediate email conformation and the funds had not shown up in the receiving account for this transfer I went back onto the Xoom website to assure myself that the process was successful. When I went back onto the Xoom website I was met with a notification that stating that there was a delay that may take up to three/3 days for my money transfer to complete. 
When I woke up next day I went to my emails and there was finally a transaction receipt however there was also a statement that this transaction was now expected to take six/6 days. 
As a final statement and to summarize, I assert that Xoom is intentionally unjustly delaying and holding funds as a practice so as to collect the interest on those funds. 
I have attached images as documentation of this process Please let me know if you need anything else
Product: Credit reporting or other personal consumer reports

I dispute multiple things on my credit. Report date is not knowledge to mines still keep appearing on my report.
Product: Checking or savings account

Credit Karma notified me that I had a new hard inquiry on my credit report as a result of a XXXX XXXX credit card application that I did not send in. After the perpetrator received the denial, they opened a Credit Karma bank account, ordered the debit card, and added the digital card to their XXXX XXXX, all in my name through my Credit Karma account. They were able to add their own phone number to my account in order to get the verifications necessary, all without any permissions or identity verifications from me, the account owner. Credit Karma could have ruined my credit.
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 15 USC 1681 Accounts : Account numberXXXX  Date openedXXXX  XXXX, XXXX Account typeCollectionName XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX Date XXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account XXXX Date XXXX XXXX, XXXX Account typeCollection XXXX XXXX ACCOUNT XXXX  Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) 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: Checking or savings account

I began the process of opening a " checking account '' on Chime on XXXX. I'm not 100 % sure but I apparently did something out of the ordinary while sending my {$9000.00} to the chime account, and consequently had no bank record at my bank of the transfer because it went through as a transfer rather than a deposit. It was all done online. I received an email from XXXX that says Transfer Initiated. I am attaching a copy of this email below for your reference. There is no documentation of this transfer at my bank until XXXX when the money cleared from my checking account. There is a hitch regarding this transfer as it cleared my bank as XXXX rather than Chime which just seems to add more confusion to this issue. 

The real issue here is that my account at Chime is locked. I don't know what my account # is unfortunately. I never got that far. All I can say that the account is linked to my cell phone # which is XXXX I have been back and forth with Chime " Member Protection Team '' at least 25 times unsuccessfully as they are insisting that they have to have a copy of a bank statement from XXXX XXXX XXXX dated XXXX showing the transfer of the {$9000.00} to Chime. The problem is there is no such entry on my checking account. The only record I have of this transfer is the email from Chime and then finally on the XXXX of XXXX the money cleared and showed up on my checking account statement. I have made several trips to my bank and they provided a letter documenting all activity on my checking account which verifies that there is no documentation of anything on XXXX. So ... ... ... XXXX has my {$9000.00} and I have no way of getting to it. They have said on the phone that they can see that my money is in the Chime account. I know this isn't legal- it's Fraud isn't it? 

The message you will see in my attachments from Chime in response to my submission of numerous documents and letters was received by me over and over again. It felt as though my problem was being handled by a computer rather than a person. They refuse to offer any kind of solution aside from the demand over and over again a document that doesn't exist!! 

I really need help. I'm a retired XXXX. I'm XXXX XXXX XXXX and I'm at my wits end trying to make any headway with these people. We're not in a financial situation where we can afford to absorb this loss. I dearly hope that you are able to resolve this and have our account unblocked or force them to just return my money. I wouldn't use this Chime account if my life depended on it. I'm going to forward copies of my correspondences. 
I thank you in advance for your intervention in this matter. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX : Experian I recently reached a settlement agreement with XXXX XXXX XXXX from a past due bill. After my XXXX had check in hand and I signed the agreement I waited a few weeks then disputed the charge to have it removed. For whatever reason Experian is the only credit bureau that seems to not want to remove this after submitting the proper documentation as proof they refuse to remove the collection, it has already been removed from the other XXXX credit bureaus XXXX XXXX XXXX XXXX ). I can't understand why they won't remove it, I have paid the debit so why keep it on me unless it's just to bully me for whatever reason beyond my understanding. Any help with this would be greatly appreciated. Thank You
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission
Product: Payday loan, title loan, personal loan, or advance loan

This company, " getflex.com, '' falsely advertises that the use of their product to pay rent would " improve your credit score '' by reporting ontime rent payements to credit bereaus, they did this in order to gain my business when I would not have used them otherwise. This blantent and gross misconduct is fraud, and I expect to be reimubursed the fess charged by these scumbags. I also hope the FTC shuts down this garbage permanently.
Product: Credit reporting or other personal consumer reports

recent checking my credit report I have noticed that Ive been a victim of identity theft and found numerous Credit inquires I have no knowledge of here are the inquiries that I found XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I appreciate your attention to removing some erroneous items from my credit report, but there are still unauthorized entries that need to be addressed. I recently obtained a copy of my credit report from your bureau on XX/XX/XXXX and noticed several unauthorized hard inquiries listed. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Each company involved has been notified via certified mail that these inquiries were not authorized, and I have requested their removal. In accordance with the Fair Credit Reporting Act, I am asking that these unauthorized inquiries be removed from my credit report. Please provide me with an updated copy of my credit report once these inaccuracies have been corrected.
Product: Student loan

I am a current XXXX XXXX who has been trying to place my loans in XXXX XXXX forebearance. I have called to my loan servicer, Navient, numerous times to provide the appropriate paperwork. They have also confirmed that this paperwork is not something I can download but rather they need to produce and either electronically send to my inbox or mail. 

Months have gone by and I still have not received the appropriate paperwork. Meanwhile, I have been having to pay fees due to the fact my private loans still are not in XXXX XXXX forebearance
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balance XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer XXXX/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.