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

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX However, they stated everything was complete and accurate. But, how's that possible If the date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States that I have the right to privacy. 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) 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 dates back more than 7 years.

15 USC 1681s2 ( 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.

Also, they aren't even in compliance metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I have submitted over 70 complaints with XXXX in regards to identity theft. I have followed their request and submitted all documents and yet the situation blatantly goes ignored. It should not be this difficult to get assistance after getting your life destroyed by identity theft when youre trying your best to piece it back together. This company is violating my rights and this matter should be looked into immediately. I have also already submitted several complaints with the CFPB as well so they clearly do not care about consumers.
Product: Credit card

Someone fraudulently opened a Chime account with my name. But now they won't close it for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for TransUnion account status as derogatory, XXXX  account status as Closed, XXXX  account status as derogatory, so 2 credit agencies are reporting as derogatory, but XXXX  reporting as closed, which means not derogatory. As a creditor, you can not report different information between credit agencies, which is a violation, so delete this account immediately. Secondly, TransUnion reporting a high credit of XXXX, XXXX  reporting a high credit of XXXX, and XXXX  reporting a high credit of XXXX, you can not report different credit limits between agencies, so delete this account per violation. Third, TransUnion reporting payment status as collection/ charge off & comments as transferred to another lender, XXXX  reporting payment status as late 120 days and Comments as purchased by XXXX XXXX XXXX XXXX , and XXXX   payment status as collection/ charge off and comments as consumer disputes. You are reporting different payment status, and comments between the credit agencies, which make this information invalid, and you are reporting this debt as it is due to you, but you stated it was sold. This is clearly a violation, delete this account immediately per violation. 

You can not report an account that you have no legal right to collect because, You do not have a verbal or original written contact with my bearing my signature on it, stating you have the right to collect. In addition, you are reporting the debt as sold. I have enclosed a snapshot of my credit report showing the reporting/ proof. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with bearing my signature and please do not reply with a copy of an copies of credit card statements, or information from third party collection agency, as this do not validate the right to collect and will not hold up in court.
Product: Checking or savings account

I received a letter to my home on XX/XX/2024, dated XX/XX/2024, stating that JP Morgan chase has decided to close all of my accounts on XX/XX/2024. I have XXXX accounts in good standing with JP Morgan Chase and have been a customer for XXXX  years. I now find myself scrambling to acquire new bank accounts and credit cards, and have no information on why the bank decided to shutter my accounts, which prevents me from understanding whether or not illicit/discriminitory factors were used to make a decision to shutter my accounts.

My hope is that the CFPB can force chase to disclose why they shuttered my accounts.
Product: Credit card or prepaid card

Fortiva changed my retail card into a credit card without my authorization. They sent and email that I didnt opt out of. I deleted thinking it was junk but in no way agreed to a credit card. It now shows up in my credit report as a new account. I feel like this is fraudulent. Dont consumers have to agree to a credit card? What are my rights?
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 XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " closed or open/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday XX/XX/XXXX I was XXXX XXXX  twice by XXXX XXXX XXXX. I had a plan for XXXX  that night, but sought medical attention instead. While I was in the hospital, I discovered my insurance premium had been unpaid for 2 months ( even though I set up AutoPay in XX/XX/XXXX ). When I reviewed my bank activity further, I realized he had drained all 5 of our joint bank accounts while I was hospitalized, as well as additional instances I discovered dated for XX/XX/XXXX - so he's done this to me twice across multiple account. XXXX refuses to comply, USAA refused to acknowledge this as fraud, and wont return my emails, so I've decided to report both XXXX and USAA to the FTC and CFPB. I am a victim of not only fraud, but financial abuse - both during and well after our relationship coming to a violent end and USAA doesn't care that we shared those funds. Since reporting to USAA via phone and email I have been blocked from their fraud email XXXX, and I only ever receive and " out of office '' message even though this is the fraud contact email listed on their website at XXXX : XXXX. USAA refuses to open new accounts funded with the recovered funds. I am out of options at this point.
Product: Credit card or prepaid card

Synchrony Bank closed my XXXX credit card through XXXX  as well as my Amazon card without warning and without cause. I've been paying off all of my purchases, no late payments ever. Synchrony has also blocked access to my rewards balance, which is around {$360.00}. They are essentially stealing this money. 

The net effect has been a huge hit to my credit score. By lowering scores and closing accounts, they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. 

I use this XXXX card to make purchases for my company, which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.
Product: Debt collection

Please see attached Validation letter. 

On my Debt Validation Letter, XXXX XXXX # XXXX was delivered to January Technologies LLC XXXX XX/XX/2023 requesting for validation of this debt from XXXX ACCT # ending in XXXX, its past 30 days & i have no response from them & this is a violation of 15 USC 1692g. 

On my Debt Validation Letter, i asked them to delete this Account from XXXX  off my XXXX Consumer Report if they can not validate this debt in 30 days from receipt of my letter, which time has already passed.
Product: Mortgage

There is someone by the name XXXX XXXX showing up and affecting my credit score.. 
I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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 Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Subject : Opting Out of Authorization Pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/XX/XX/XXXX, UT XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

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

Already placed an complaint by phone with your office. However a repeat of what is going on is : Transunion do not have my credit score or credit history for me to view in order to place disputes. Upon calling Transunion Dispute Dept. I was redirected to what they call the special fraud dept unit. Upon speaking with them I could not verify my own information for them to release my credit score or history of my credit, because they say they can not verify my information to open my account. Transunion acknowledge that there has been some identity fraud as to why they can not verify the the right information. Bottom line they can not give me my score or my credit history and that was that. Now I should not be block from my own credit and the final deal is Transunion is selling me this : I can not verify then its nothing they can do. 

Besides filing a complaint with Consumer Financial Protection Bureau, I will wait the process from which you will receive from contacting them, and if Transunion have not fixed this violation of blocking me from my own credit I will be filing sue with my lawyer. 

I am in the process of straightening up my credit with the other 2 Bureaus with no problem, because I am attempting to buy a house and Transunion is holding me up with their unprofessionalism of how to handle identity theft. Surly is not to block me from my own credit and can not disputes items if I can not view the items to dispute and can not get in from the questions they use to verify who I am. 

This need to fixed ASAP.
Product: Mortgage

My name is XXXX XXXX in XXXX I bought a home in XXXX CA and it cost me {$570000.00}. I fell for the interest only for five years and in XXXX, I was able to refinance through XXXX Bank. For the past 4 years, I have never been late. I always pay my mortgage on time and pay extra on the principle. in XXXX, XXXX sold my home to a Debt Collection agency named Bay View. This agency uses fraudulent accounting systems. Every month I send extra money to pay off the principle, they set the money aside stating just incase I do not send full payment. When I use the phone to talk to them, the amount noted by phone that they received is thousands of dollars less than what I send. My payment is {$2000.00} per month and I send it {$3500.00}. I make the statement reflect that {$1500.00} if for additional principle payment reduction. Since XXXX of last year, each statement I receive does not reflect the additional principle until I call and have a great amount of XXXX to the point that I am on medication in order to deal with the XXXX they are causing me. In addition, there online service is so useless. I tried to send them an email and it did not go through. I tried to file a complaint, the complaint form was not available. It has been 12 months since I have been living in this nightmare called Bayview Collection Agency. I did not authorize XXXX to sell my home to BayView and Bayview is not a bank. It is a debt collection agency making me feel that they will eventually make me lose my home. They charge me interest on the higher amount instead of the amount after the principle is reduced. I sent {$3000.00} for the month of XXXX and XXXX of XXXX to be paid on the principle and they are holding my money into a special account. This is against the law. I am trying to pay off my home sooner so I do not have to deal with their fraudulent calculation. Can you please help me? 
I am so XXXX and feel they are ripping me off. They are not available to speak to on Sundays when I usually get a chance to finally check my mail. I work out of town and sometimes I do not get the mail during the week. You can call me on my cell phone XXXX XXXX XXXX XXXX. I wonder how many home owners in the state of California are not able to pay their principle down if they choose to do so. How do I get my account from under a debt collection? Who do I call? Do I have to pay a fee to get rid of this unethical agency? Is it legal for them to hold my money and not apply it to the principle as I ask? Is it against the law to pay my principle down? I am living a night mare and I am severely sick and ca n't possibly function knowing that there is an agency out there that is ripping me off. I work very hard even though I am legally XXXX. Can you please investigate this agency? And see what can I do to get my loan with a bank that will help me lower my monthly payment?
Product: Credit reporting, credit repair services, 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Credit Karma and XXXX continues to report false and fraudulent accounts on the consumer credit report. They continue to not verify the information that was passed to them without consent and has also gave my private source data information to third parties a that i have never done any business with. I never gave consent for my private source data information to be shared with XXXX XXXX nor have any contracts with XXXX. I have filed a complaint with the fTC as well as the SEC and it has been longer than 90 days they still continue to violate federal codes. Reporting false information and transactions that are not consumer credit transaction. XXXX funding continues to try to contact me after a cease and desist has been sent through certified mail and still have not produced the contract they allege they have not any documentation showing I went into a consumer credit contract with them. This company continues a to breach my trust contract by using my private source data information without consent or authorization
Product: Debt collection

I am a former tenant of the XXXX XXXXXXXX XXXX XXXX XXXXXXXX, located in the city of XXXX, XXXX at the address XXXX XXXX XXXX, XXXX, I had a conflict with the XXXX. The fact is that I booked an apartment and made a payment for the reservation. My lease was ending and I booked housing in advance. Closer to the release date of the reserved apartment in the residential complex, I went to the office and I was presented with the fact that this apartment went to another person. I, a XXXX  XXXX, through an interpreter, reminded that this is illegal, the XXXX XXXX XXXX began to drive me out of the office and later apologized. As a result, I moved out of this residential complex and handed over the keys, the premises. They did not return my deposit and issued unfounded bills. Now the core XXXX has transferred the unfounded debt to the collection agency XXXX. XXXX does not provide documentation on the transfer of debt and ruined my credit report
Product: Debt collection

A lady called me on XX/XX/2021. I had to repeatedly ask who she was, and why she was calling. She was very evasive, and said its a business matter. She didnt disclose it was a recorded phone call, until several minutes into the call, not at the beginning. I want them to immediately cease all contact with me by mail, phone, email or in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her XXXX card in XXXX, around XXXX/XXXX, when I first moved to the XXXX. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to XXXX XXXX   and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
XXXX XXXX  say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from XXXX XXXX  stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call XXXX XXXX  for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at XXXX XXXX  and I'm the one suffering.

Today XX/XX/XXXX I spoke to XXXX XXXX  following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems insulting given the lack of service received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my experian credit report is not my information
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX # XXXX. HAS VIOLATED MY RIGHTS. 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.