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 account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXXXXXX XXXX XXXX XXXX unknown account ( possibly fraud/violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX  violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX  , and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, This is a formal complaint that you continue to report inaccurate information on my credit report. 
The following inaccurate information appears on my Transunion report as of today XX/XX/XXXX XXXX. XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. 
I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and transaction records of all payments made and missed since I opened this account. '' I do not agree with the results of your investigation. Please provide me the proof of your investigation and proof of the negative payment status for this account, if you are unable to provide the requested documentation of proof please update all payment history on this account to paanl ( paid as agreed, never late ). Please do so in a timely manner as this inaccurate information is causing me mental and physical anguish. As well as interfering with my everyday livelihood. 

XXXX. XXXX XXXX  inquiry on XX/XX/XXXX. 
I do not have any accounts with this company nor did I authorize them to perform a hard inquiry on my credit report. Please provide documentation signed by me from the creditor authorizing them to perform a hard inquiry on my credit report. If you can not provide the signed by me documentation I kindly ask that you remove this fraudulent hard inquiry from my credit report. 

Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, in your response to this complaint.
Product: Checking or savings account

My complaint is against USAA Federal Savings Bank. I have a checking and savings account with USAA. I have my social security check and USAA annuity check direct deposited into that USAA checking account every month. I have that checking account digitally connected to my XXXX checking account so I can transfer money from my USAA checking account to my local XXXX  checking account. I use that money to pay my bills from that XXXX checking account. Around XX/XX/XXXX I noticed USAA had message on my online account indicating that there was a connection problem with my XXXX account. Calling them to fix that connection problem led to a lot of bumbling on there part which finally resulting in them erroneously flagging the XXXX account as fraudulent. The USAA banking supervisor admitted this on the phone to me yesterday which was XX/XX/XXXX. I have spoken with supervisors in USAA banking including XXXX  and XXXX. They have spoken to the Fraud Department while I was on the phone and come back advising me that Fraud said it would be 6 business days to fix it. After six days it was not fixed. I spoke to XXXX again who said even though the Fraud Department made the error according to the Fraud Department there was a lot of red tape to go through and it could not be done immediately per the Fraud Department. I spent over an hour with her on the phone while she tried to get the Fraud Department to fix it. The Fraud department worked on it for that hour while we both waited. They said they could not fix it and said it would be three more business days. During the last two to three weeks I have had numerous frustrating calls with supervisors and associates where they said everything from 6 business days to finally the XXXX account was marked fraudulent to it would take six days to remove that fraudulent tag. It has been six days and they still have not fixed this. I have changed or been asked to change by pin at least seven times when calling these people and put through a number of security checks including giving them my Online ID once again. I have given them the XXXX account number probably six or seven times. They tried to get me to put another account in instead of the XXXX checking account. I refused because that is not fixing the problem and it will still be on there that I have a fraudulent account which could have many unforeseen consequences. I have confirmed with XXXX bank that the XXXX account is not fraudulent and that there is nothing wrong with that account. The local bank leader XXXX XXXX confirmed the legitimacy of the XXXX account with her bank while I sat there and then called USAA to advise them it was a legitimate account. They would not talk to her and she got no further than an associate on the phone. Meanwhile I do not have the ability to transfer my money funds in the USAA checking account to my XXXX  checking account and that money is what I pay my bills with. My XXXX  account is getting smaller and smaller while I wait for these people to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my TransUnion score with credit karma declined almost  XXXX  points. Upon further investigation I noticed  XXXX  recent credit inquiries on my report that I did not authorize. I called transunion and spoke to a representative and she would not help me or assist me in removing these. They are from   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX ,  XXXX  and   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

In XX/XX/2021, I found out my father took out a loan in my name. I began receiving notifications through my credit reporting agency that my score had been affected because of this. I reached out to the original creditor ( XXXX XXXX for XXXX XXXX ), and the collection agency they referred the debt to, Portfolio Recovery. I explained this was not my debt. My father had even admitted to the debt being his, had called Portfolio Recovery directly, and signed sworn statements verifying this debt. The account was not mine, has never been mine, I do not even own a vehicle in order to take out a loan like this. Both agencies refuse to remove my name from the account. Additionally, Portfolio Recovery has been calling me nonstop even after they have been told to only correspond with me via email or snail mail. I have made this request to them in writing several times, yet they continue to call me everyday.
Product: Credit card

For months, I'd been in dispute with Synchrony Bank/JCPenney ( SB/JCP ). They stated that I owed them {$13.00}. I claimed that I had overpaid {$9.00}. For decades, my payments to SB/JCP were for premiums to XXXX XXXX XXXX , for two insurance policies. This incident dropped my FICO Score by XXXX points. 

After countless telephone calls, to both SB/JCP and XXXX XXXX , I sent a detailed letter to SB/JCP. They admitted their mistake. I received a check, for my overpayment, and my XXXX  Score was restored to XXXX. 

-HOWEVER- Because of my countless 'phone calls, a second dispute had been opened, A Customer Service Representative XXXX XXXX, told XXXX that my payment of {$32.00} was never received. SB/JCP sent me an undated letter, asking for further documentation. SB/JCP wants : 1. An unredacted bank statement. 
2. A clear legible copy of the store register receipt, displaying the payment. 

The resolved, initial dispute had my Checking Bank Statement, showing that SB/JCP had deposited the {$32.00} ; and I sent the screenshot, emailed to me by SB/JCP, stating that my {$32.00} was processed, on XXXX. 
1. My redacted Checking Statement was accepted for the initial, resolved dispute. 
2. I didn't purchase anything at a store. As I stated in the first paragraph, monthly payments were for two insurance premiums. 

-HOWEVER- On the Checking Bank Statement, I had redacted my Balances ; and the Descriptions of other payments. I don't feel that SB/JCP needs to know that I charged groceries, utilities, medications ... and what my checking balance is. It's irrelevant to the dispute. The payment and amount paid to SB/JCP is unredacted. This unredacted item was accepted on the initial dispute. 
When I asked both a Customer Service Rep and a Supervisor why they need the whole bank statement unredacted, I was told, " unredacted statements are the bank 's policy. '' Because SB/JCP knows the {$32.00} was paid, I feel that THIS SECOND DISPUTE IS BOTH UNNECESSARY AND THREATENING. I'm afraid that my XXXX  Score and my Credit Rating are again going to be affected.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts these hard inquiries are a result of identity theft. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting or other personal consumer reports

By law If XXXX  XXXX is going to report a delinquent charge off to my account They must properly verify the account with account with documentationThey say I owe a certain amount.Its incorrect its inaccurate.I requested from them the original credit card agreement with the terms and conditions.I want the history of the account the account.I want all the account statements .They sold the debt to a debt collection agency I dont owe this amount that they are listing on my credit reportThey need to remove it.
Product: Credit card

I am writing to address the unexpected and unjustified closure of my Chase Sapphire credit card account. On XX/XX/year>, I received a certified letter stating that a payment of {$12000.00} was made to this account using an unauthorized checking account that I do not own. Furthermore, fraudulent charge attempts were made on the card after this unauthorized payment. 

I was not notified of this payment or the fraudulent activity until after my account was closed, nor was I provided an opportunity to respond or clarify the situation. As a loyal Chase customer of nearly 20 years with an impeccable payment history, this action is deeply concerning and unacceptable.

Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right.

Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.
Product: Debt collection

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. The following United States Codes Credit Collection Services USA has not abided by : 1 ) 15 USC 1602g : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 2 ) 15 USC 1692e : XX/XX/XXXX, Credit Collection Services XXXX XXXX XXXX XXXX XXXX doing business as XXXX was the original creditor and they are the current creditor, 3 ) 18 USC 1961 racketeering and extortion through XXXX XXXX, 4 ) 15 USC 1692j : deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8. I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by Credit Collection Services XXXX on XX/XX/XXXX via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX as XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00} per occurrence per offence. XXXX XXXX XXXX doing business as XXXX and Credit Collection Services USA is now civilly liable to pay me for the damages.
Product: Vehicle loan or lease

This company continues to call me and sent me overnight mail, which causes the delivery person to ring my doorbell and disrupt my household. Unacceptable. This harassment must stop!
Product: Money transfer, virtual currency, or money service

Money of {$37000.00} was wired to a scammer. Requested to recall the wire transfer but the bank denied the claim saying it was an authorized transaction and I benefitted from the transfer.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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.
Product: Checking or savings account

Wednesday, XX/XX/2020 approximately XXXX Chase Bank in XXXX, TX The total was {$800.00} because of the {$3.00} transaction fee. 

I went tot he ATM to get the {$800.00} of our budget money from our XXXX account using the Chase ATM. I have done this many times, near the start of every month. The ATM machine got to the point where the machine sounded like it was counting the money but suddenly gave me an error and spit out a receipt and no money. The receipt said there was an error and to call a Chase phone number, which I did immediately. It took the money out of our account, but gave us no cash. I then went in to talk to the employees who had no solution. I called both Chase Bank and XXXX and no one was able to fix it. I called them all again yesterday and XXXX informed me they are waiting for Chase to respond to their open case. So here we are in day 3 of no budget money so that means no food for my family. I dont understand how this is legal.
Product: Mortgage

THIS IS YET ANOTHER COMPLAINT ABOUT WHAT CHASE BANK HAS DONE TO ME.EIGHT AND A HALF YEARS AGO I ASKED CHASE WHAT THEY COULD DO FOR ME. I DID NOT ASK FOR A MODIFICATION OR A REFINANCED MORTGAGE. I SIMPLY ASKED WHAT THEY COULD DO. I LIVE IN A COLLEGE TOWN AND HAVE NUMEROUS RENTALS AND IT WAS HARD KEEPING ALL OF THE HOMES OCCUPIED DURING THE CRASH OF 2008. CHASE AFTER MANY MONTHS TOLD ME I QUALIFIED FOR MODIFICATIONS ON ALL THREE OF THE LOANS I HADWITH THEM, I HAD NEVER MISSED A PAYMENT AND MY CREDIT SCORE WAS  XXXX. THEY HAVE ILLEGALLY FORECLOSED ON ME, BROKE INTO MY PROPERTY, CANCELLED MY INSURANCE AND SHUT MY UTILITIES OFF. I HIRED AN ATTORNEY AND WAS ABLE TO GET THE HOME BACK IN MY NAME. THEY ARE NOW THREATENING FORECLOSURE AGAIN, AFTER FOLLOWING ALL THEIR DIRECTIONS TO GET A MOD. THEY LIE, CHEAT, DECEIVE, AND EVEN STEAL MONEY FROM ME BY NOT APPLYING ALL OF WHAT I HAVE PAID THEM ON MY MORTGAGE. PLEASE I NEED YOUR HELP TO STOP WHAT THEY ARE DOING, OR MAY DO. IT IS A HELLISH NIGHTMARE I WOULD WISH ON NO ONE. PLEASE HELP. I WANT MY NAME AND PHONE PUBLISHED SO OTHERS CAN CONTACT ME. XXXX XXXX XXXX. I HAVE IN MY POSSESSION A CONFIDENTIALITY AGREEMENT CHASE TRIED TO GET ME TO SIGN TO SHUT ME UP FOREVER, WHICH I INTEND TO GO PUBLIC WITH IF THEY DO NOT FIX THE MESS THEY CREATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, and how are you? This is going on for almost 90 days and i haven't received any responses from my previous disputes about this Credit Acceptance. This account was actually deleted or removed from XXXX  and XXXX due to several violations on reporting but XXXX  continues to ignore my request for deletion. It's illegally re-aging my account because it's reporting incomplete, unverifiable, and inaccurate information. There is no way that this could've been verified or looked into. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of
consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I owed an apartment complex ( XXXX XXXX XXXX XXXX ) back around XXXX. Well the complex sent the debt over to Rent Recovery Solutions collection agency. I paid the balance off in full XXXX XXXX. Before the payment was made, I asked the rep at Rent Recovery Solutions, will it be deleted off my credit report. The rep states yes, I will have to wait 9O days before it's removed. Well I made the payment. They stated in the meantime they will send me an email Showing that the debt has been paid in full. Incase I wanted to move again, I could show any new property the email showing that it's been paid. However, every time I apply at a new apartment complex, the property always tells me that they see a judgment from XXXX XXXX XXXX XXXX on my credit report. And I always have to explain to them that I paid it off and I will also send the email from Rent Recovery solutions showing that it's been paid in full. So, last week which would've been the last week of XXXX XXXX, I call rent recovery solution to ask them why was they still showing on my credit report even after I paid them In full. The rep tells me oh... it's still on your credit report because what you had owed at the time wasn't {$1.00}, XXXX. She stated that if the debt wasn't over a XXXX dollars they don't remove it. She said that my balance was {$980.00}. Mind you it was over {$1.00}, XXXX once that taxed me. So I told her that's not what the rep told me at the time, she stated that person is no longer there anymore. She stated that it shows closed and paid in full on my report. Ok but I'm Still having issues with moving, with it being on my report. This should be illegal, I already see that they have open lawsuits for violating the Fair Act Use. I just want them To remove it off my credit report. There's no point in keeping it on there, if it's been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just sold my personal information, they had from a deleted account. They sold my information to XXXX XXXX XXXX. This is the beginning of more harassment and intimidation via constant phone calls from XXXX XXXX XXXX who wants me to tell them my name and info or they will continue intimidation tactics like unlawfully reporting old deleted accounts. XXXXXXXX XXXX has not provided me with a 1099C has requested, nor have them shown a contract between the name XXXX XXXX AND XXXXXXXX XXXX They are essentially selling my name, address, and social security number, and keeping my personal information as a asset for life, continuously selling old accounts to debt buyers, without providing anyone with a 1099c showing the debt was discharged almost 2 yrs prior. I am seeking damages for violations of the Fair Credit Reporting Act, Fair Debt Practices Act, and The Fair Credit Billing Act.