23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting this formal complaint to address Fortivas unauthorized and unlawful action in opening a credit card account ( XXXX ) under my name without my explicit consent. I recently observed that my Fortiva account ( XXXX ) was closed around XX/XX/year>. Subsequently, my regular monthly payment of {$67.00} decreased to {$25.00}, which I presume is the minimum monthly payment. This change is likely to incur higher interest charges over time, resulting in additional financial burden. 

Upon reviewing my account statements, I noticed a balance transfer ; however, no explanation was provided regarding where the balance was transferred or the reason for this action. After speaking with a Fortiva representative and a manager, I was informed that an email was allegedly sent notifying me of the account closure and the balance transfer to a new credit card account that Fortiva opened under my name. I did not receive any such email, nor did I consent to or authorize the creation of this account. If I had been properly informed, I would have exercised my right to opt out of this action. 

Fortivas actions constitute a violation of legal and ethical standards, as the establishment of a new credit card account under my name requires my explicit authorization. This unauthorized activity is fraudulent and unacceptable. 

Please consider this a formal notice of dispute. I hereby demand the immediate restoration of my original account and the complete removal of the unauthorized credit card account from my credit report. Should this matter not be resolved promptly and satisfactorily, I will pursue all available legal remedies to seek damages to the fullest extent permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account for {$1300.00} appeared on my XX/XX/XXXX and XX/XX/XXXX credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, Revsolve. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and XX/XX/XXXX who both ruled the collection account was valid. I have received no information from XX/XX/XXXX, XX/XX/XXXX or Revsolve as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at XXXX point valid, it has been illegally re-aged on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

American express refused my application for a new card after being a card holder in XXXX and XXXX for over 48 years. 

I have only a minuinmal credit report based on 1. no activity and 2. education payment by one of my children AND 3. Just returning to USA after working for years out of the country. 

So American express simply rejected my card transfer. OMG after years of good credit with them. And offered no help, no interest, nothing. 


There policy is so terrible and the credit report is so so misleading. And they should no interest in check y credit ith them or any one else over the past 40+ years. 


That rejection has causes me great embassment and many problems. 

I also have great credit with banks in XXXX and XXXX and other credit cards with great credit. 

The Amex system is unfair and wrong and misleading. The situation is costing me money and other problems having to use cards regester in other countries.
Product: Debt collection

In XX/XX/XXXX I received a debt collection notice in the mail for a utility company in Texas from XX/XX/XXXX. I have never lived in Texas and can give proof that I lived and worked in XXXX  at the time of this service. I called the debt collector and the company they are supposedly collecting on behalf of and was told to email XXXX. I did this and have gotten no response. I have not been given any way to dispute this through the company. I have filed XXXX police reports, XXXX in Texas where this debt occurred and XXXX in XXXX where I live. I am concerned this is going to impact my credit If not disputed and resolved quickly. I need the company to cooperate as the police can not do much since this is for a debt that occurred in XXXX and to my knowledge is not a current or recent issue.
Product: Credit card

I had XXXX store accounts with Synchrony Bank that were closed by them in the last 2 years. One was with XXXX XXXX and XXXX with XXXX XXXX XXXX  XXXX. All my payments were on time and the XXXX XXXX card had a XXXX balance when it was closed. This has caused a significant decrease in my credit score. They sent a general message saying due to random checks of accounts they decided to close my account. I reached out for further answers and was given the same generic answer.
Product: Credit reporting or other personal consumer reports

Good Afternoon, On XX/XX/XXXX I was notify by the Internal Revenue Services that I was victim of Theft Identity. On XX/XX/XXXX I had an appointment with the IRS to resolve my problem. Since now I do not have a final resolution. In the mean time I check for my credit report and there are many hard inquires on my credit report that I did not approved and that's why I am requesting your assistance. 

This are some companies or inquires that I do not recognize : XXXX XXXX  ( car loan ), XXXX XXXX XXXX ( credit card ), XXXX XXXX XXXX XXXX ( car loan ), XXXX XXXX XXXX car loan ), XXXX XXXX ( car loan ), XXXXXXXX XXXX ( personal loan ), XXXX XXXX ( home loan ) XXXX ( home loan ) Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections and XXXX XXXX are both reporting a debt on my credit file and it must be fixed immediately. I recently took a look at my credit and noticed that both Bonneville Collections and XXXX XXXX were reporting the same debt. This is a clear violation under the FCRA. If this is not resolved within a timely manner I will have no other option but to consult with the Attorney General and consult for legal suite . They are both in violation and this must be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX and absoule recoveries these account are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, American credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Product: Credit reporting or other personal consumer reports

I have recently discovered that 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. The account starting in XXXX of 2021, XXXX of 2021, are the accounts in question. Knowing that 15 USC 1681 section 602 A : states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions, neither allowing by act 15 U.S.C 1681c. ( a ) ( 5 ) stating 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. Lastly and ultimately, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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

I am submitting you this CFPB Complaint today because a lot of fraudulent infomartion are ind reported on my Credit File. Under the Fair Credit Reporting Act section 605b, I am asking you to please remove the disputed accounts and information off of my Credit File. I did not authorized any of these accounts. Also, some of these accounts were not being reported on the initial report I used to submit my first complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following accounts and information off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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 {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you truly believe that the disputed items belong to me, I require you to please send me copies of documents supporting such claims. If you are not able to present me any documents, I prefer you to please remove the disputed items off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been disputing a company called XXXX XXXX they have been removing and replacing the same account for months now, they arent letting me know that they are adding it back and they also are not sending me proof of the original signatures, so those are XXXX violations of my rights. 

XXXX XXXX  keeps adding and removing late payments but I was never late and they wont fix the billing error permanently. 

XXXX has a billing error and wont update payment history to paid on time. 
XXXX also has another account that they wont remove an account that is unverifiable. 

And also XXXX XXXX and Experian are removing accounts that should be on my report. 

There are many violations that need to be fixed immediately, their may be more as you will see in the letters provided below.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Your company really needs to do more to investigate, correct the problems occurring with Equifax. The fact that this company still continues to operate is UNBELIEVEABLE! I have contacted Equifax NUMEROUS times starting in XX/XX/XXXX when I noticed my credit report/score appeared to be frozen without any  movement since XX/XX/XXXX. One of my creditors advised that it sounds like I could have a Split File. 

Most recently, I have contacted Equifax XX/XX/XXXX and sat on the phone for 42 minutes with someone who could not understand me, nor help me. I was transferred to a US representative who STILL could not assist me w/ a possible Split File. I've even spoken to representatives who do not even know what a Split File is. I was told my issue would be sent to escalations and I would be contacted ... I have not been contacted. I again contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX trying to get answers as to why and how my file has disappeared. Now my bank can not monitor my remaining credit files because of Equifax! 

On both XX/XX/XXXX and XX/XX/XXXX I spoke with Supervisors. XXXX on XX/XX/XXXX as well as XXXX. XXXX confirmed there was no freeze on my account ; however, she could not access my report at all. XXXX then proceeded to tell me she was escalating my issue to the Corporate office. I still have not been contacted for assistance finding my file. On the previous days, my file was accessible. Now all of a sudden IT IS GONE?!?!?! I attempted to apply for credit and was told my file contained incomplete or missing information. HOW IS THIS POSSIBLE?! OR LEGAL?!?! 

WHY ARE YOU PEOPLE NOT DOING MORE TO HELP US?! Equifax holds our most personal and financial information ; yet, they are allowed to continue to operate in this manner? PLEASE DO SOMETHING ABOUT THIS as this CAN NOT BE LEGAL!!!
Product: Credit reporting or other personal consumer reports

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 I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates acc

ording to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as
appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Fay Servicing is not allowing me a fair opportunity to manage this account as a co-borrower. I have requested monthly statements, payoff statement, to make me the primary borrower & to have any & all information in regard to this account to be mailed to my address NOT the property address. Im being denied a fair opportunity to protect my personal credit. Every dispute response is verified as accurate but historical information is changed to reflect different information that was previously verified as accurate. I have fought clarification for the past 11 months. I depend on dispute information & credit reports to try to manage this account. I didnt even have an account number or transfer information until XX/XX/2023 through XXXX XXXX XXXX XXXX XXXX . Fay Servicing seems to have consistent poor customer service based on reading reviews. Very similar to my own situation. They make no attempt to resolve the situation when I have tried everything I could to protect my credit. I have no control of any future delinquencies because I only find out the status AFTER its reported & ONLY on my own via credit reports & disputes.
Product: Mortgage

my husband and i paid off the mortgage and he was the XXXX on the loans. he was XXXX of XXXX when a real estate friend coned him into a {$55000.00} loan at 15 % interest short term. the agent used his brokers mortgage company to secure a loan against my house which of course was quit claimed to me before my husbands death. the agent forged my signature on XXXX form that had to be signed by me in the loan package, without my consent or knowledge and then the loan was moved to a different bank. i made monthly payments after my husbands death until i paid so much and the balance never seemed to go down much also i put extra money towards principal and i dont think the bank applied it correctly. i have scrutinized apprx. 10 years worth of monthly statements and found errors in the banks work. XXXX year i was billed XXXX times for the same month and made the payment. the realtor has thrown money occasionally and some within the last year, but the terms of the loan state that in the event of default he is responsible for the entire amount interest and attorney fees. i am facing foreclosure on XX/XX/2016 for default on a loan that is not even mine. im not sure if the bank that gave the loan is at fault the realtor that took the money or the person who notorized the signature. i wasnt even there but it was my name and the realtor admits doing it. i also had the signature analyzed. please email me back. thanks, XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments toXX/XX/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XX/XX/XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is billing me every month for their services but its been a while since I have no more access on my account. I go on the site to recover it and it says that I dont have an account ( not what my bank account says but ok ) I try to make a new account and it says that I already have one.. Never got an answer from someone on the phone. They just take my money for years and I have no service. Straight up robbery. The second I can get out of there I will and never come back. It supposed to be a place where you can monitor your activity, but you cant and they take your money.
Product: Mortgage

I started to apply for my loan assumption in XXXX of XXXX. As of XX/XX/XXXX it is still ongoing. Due to delays that are the fault of CMG Mortgage, they ran my credit twice ( impacting my credit ), required me to provide my pay stubs three times, required me to provide bank statements six times. I have provided all requested items in a timely manner. After each request, I've had to wait 30 to 75+ days for a response. They request items could have been asked the first time I provided documents and they ran my credit report. When I provide them what they ask for on an item, they come back and say they need additional information ( that they could have asked for in the request ). I have asked to speak to someone in underwriting so that I could provide supporting documents immediately but that has been ignored. I am more that happy to provide any needed documentation but the constant delays have made me in contempt of court. I was supposed to have this refinanced by XX/XX/XXXX ( one year after my divorce ). My ex husband has required me to pay for a life insurance policy in the amount of the loan. I could be taken back to court at any time. My pay, credit score, and small amount of debt more that qualify me for this assumption but it is as if CMG Mortgage is trying not to approve it. I can provide all supporting emails, letters, and other documentation as needed but it contains personal information. I've attached a timeline of events without personal information included.
Product: Money transfer, virtual currency, or money service

I had applied to Experian a credit report business that gives many services in line with credit scores and reports.I had not completed the application and was waiting to and after so much time in weeks they put on a charge of {$23.00} on my XXXX debit card.And they caused me to now have bad credit.All that time and they decided to get a transaction not authorized.I would like a refund of my money of {$23.00} and they gave me {$3.00} back after I complained.
Product: Credit reporting or other personal consumer reports

Incorrect information my credit report, delays resolving disputes. These inaccuracies have negatively impacted my credit score and caused undue stress and difficulty in managing my financial affairs. 
Despite multiple attempts to resolve these issues, Nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been popping up on my account. I didnt apply for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was scan on XXXX-19 through this company ( Screeningreports inc ) And by the certain cycle I was told that the company is using to scan my report, is showing a inaccurate XXXX Credit score and information on my report which is causing me to get Denied for my apartment lease. Its showing the inaccurate amount of my credit cards balance & other loans balance. I have worked hard for the past 6 months to get my score up to a certain score in order to get approve but however the company is getting a inaccurate XXXX credit score on  my report. I wasnt told specific details of the cycle the company use, but Im totally confuse on why its showing inaccurate information.
Product: Debt collection

My partners daughter 's hospital bills were sent to collections in my name. We tried to get it fixed and nothing happened. Legally I do not have rights to her.
Product: Debt collection

TOLD I MAY BE PENDING LEGAL ACTION SINCE I COULDN'T PAY ONE LUMP SUM RIGHT AWAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
Product: Student loan

I paid all my student loan balances with Ed financial in XXXX of 2022 and my accounts were all closed and I received a letter stating that my accounts were paid in full. Now I have a balance of {$28000.00} on my student loan account even though I paid everything in full in XXXX. My credit has been affected as a result.