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

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

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

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. 

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

I want to bring to your attention that XXXX  XXXX XXXX XXXX has repeatedly reported inaccurate information, which violates state and federal laws and has negatively impacted my credit. This has happened for the third time. Each time, I have had to file a complaint with Equifax to rectify the situation. Suddenly, they reported 33 late payments on my credit report, causing my credit score to drop by over XXXX points. I am currently in the process of buying a home, and this has significantly affected my plans. I have been making payments consistently for 5 years, with the amount deducted from my Social Security and paid directly to XXXX XXXX. Even after I paid off the account at one point, they failed to report it accurately. The balance in 2020 was approximately $ XXXX, but it is now under {$600.00}. I have proof of statements and deductions from Social Security to support my claims. I have also sought legal representation from XXXX XXXX XXXX to file a complaint against XXXX XXXX XXXX XXXX, Equifax, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

AS Consumer by law Disputed Items below should be Deleted in my credit report Immediately!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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

Company : TRANSFORM CREDIT INC Amount : {$220.00} Dates : XX/XX/2021 I have tried calling the company to talk to someone and no one ever answers. 

Makes it hard to try to reconcile the inaccurate account. 

I am not sure what else to do except continue spamming their phone with calls. 

I have no signed documents or any documents for that matter that would justify the account that was created under my name. Therefore, the company does not have the right to establish an account in my name. 

Help!
Product: Vehicle loan or lease

I contacted the Westlake Portfolio to make arrangements to settle the account so I can become an XXXX. They agreed to settle for {$1600.00}. I also agreed to pay {$1600.00} to settle the account. I asked the representative to send me the information in writing because it kept me from starting the XXXX. They agreed. I never received it. I just got another email from them stating that the payoff amount is now {$2400.00}. They all of a sudden changed the amount. That's not right. I want and need the car off my credit report.
Product: Mortgage

XXXX2nd issue, same company, different problem. ** I called XXXX yesterday, XX/XX/2022, to extend my forbearance for my loan account and spoke with XXXX @ XXXX at XXXX and was told that as of XX/XX/2022 a processor had removed my loan from forbearance after my approval letter was generated XX/XX/2022 to include XXXX, XXXX, and XXXX payments within the forbearance period. I asked why my loan was taken out of forbearance and XXXX advised this was due to the fact that XXXX payment was made and the processor assumed the forbearance was no longer needed. I told XXXX this was because I continued to receive letters in the mail requesting additional information for the COVID forbearance ( even after a signed hardship letter, bank statements, and a copy of my layoff papers were provided ). I called several times to confirm the forbearance but none of the representatives I spoke with showed this was placed on my account in XXXX. To avoid negative credit reporting, I borrowed funds from family to make my XXXX payment. I then asked why no one made contact with me to let me know they were taking my loan out of forbearance and she said there were notes on the file that indicated an outbound call had been made, however, no message was left. I told XXXX this was more than unacceptable and also questioned why she was the first person to notice and convey this information to me ( even while calling several times in XXXX ). I did not receive anything in the mail to let me know my loan had been taken out of forbearance nor did anyone make contact with me to communicate this. XXXX advised she would go back to the processor who took my loan out of forbearance and tell them to backdate it from XX/XX/2022 through XX/XX/2022 and that she would follow back up with me by the end of the week. However, at this point, I have no faith in anything Im being told, as the story changes with every representative I speak with. I need assistance putting my loan in the proper forbearance, as indicated in the agreement sent and dated XX/XX/2022 and to include an extension to the original agreement. This is beyond maddening and frustrating how a person has to go through so much nonsense for something that should be relatively simple to follow. 

( **Ref case # XXXX, for other case information relating to additional complaint against this company for not following federal guidelines. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert on XX/XX/XXXX from credit monitoring company that my Capital One Card has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

XXXX and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Product: Credit reporting or other personal consumer reports

The following companies made multiple inquires for my Transition credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXX- Auto Financing XX/XX/XXXXXXXX XXXX XXXX - Auto Financing XX/XX/XXXX XXXX XXXX XXXX - Mortage Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX  - Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I was notified by Bank of America of possible fraudulent charges on XX/XX/XXXX for which I responded that I did not authorize or know about these charges. There were a few attempted charges, but only one was processed and appeared on my statement in the amount of {$280.00}. This was a charge from an amusement park in XXXX California on XX/XX/2024. This was a Monday. I was at home and work in XXXX California that day. I initiated a fraud claim to dispute the accepted charge from BofA and immediately canceled my card and requested a new one. They initially refunding the amount as a temporary refund, but came back with the receipt from the amusement park of the stated charges. BofA notified me of several attempted charges from the same place that day ( XX/XX/XXXX ) and they declined all of them, yet find that I am responsible for this charge. As of XX/XX/2024 I was notified that the charge is being reinstated by stating " The merchant provided documentation confirming you received the merchandise or service. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the credit agencies XXXX, Transunion and XXXX they are giving me a hard time about removing the bankruptcy and other credit related issues. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

XXXX XXXX from XXXX XXXX Fl Frontline Assest Strategies told me the request to report a XXXX balance was submitted to XXXX Credit Bureau on XX/XX/, however upon contacting XXXX Supervisory Department it has not been submitted nor received as submitted. I kindly called the collection agency to get this matter resolved so that I could report to the XXXX and close the complaint. I gave XXXX the information given to me by the XXXX supervisor to contact them thru the client email andXXXX phone # given to Frontline which he refused. This has been an open dispute with Frontline for over 9 months and to resolve it only takes an email or phone call, Frontline is continuing a request to collect a debt that has already been paid and closed and refuses to contact the credit reporting agency to report the debt as XXXX balance and refuses to give me a copy of the letter showing the account is paid and closed. Therefore, continues to harass me with phone calls, emails and letters from the collection company Frontline AS. I like as a resolution request have Frontline contact XXXX via phone call or email with the document verifying the account is closed with XXXX balance due.
Product: Mortgage

Chase Bank is a disaster in many ways. I wanted to buy a condo, and submitted that request to Chase and 3 other institutes for loans. When I received a better deal than Chase offered, I did not continue with them and made it clear that I received a better deal. After all the paperwork and promises, they had the nerve to send me a letter stating they are turning down my request for a mortgage! I turned them down, they didn't turn me down, and they can't make it appear that they did so, as I was accepted elsewhere, my credit is excellent and I have a 100 % quick payment of bills record. 

I don't want their letter on an record of mine, and the fact that they sent it is fraudulent, along with the fact that I turned them down. This has been going on since XXXX of this year, and I just received their refusal letter. Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

Hello XXXX has another bank they go through and the bank has been taking money for my account without my authorization
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Fraudulent Accounts Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. In addition, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent. 

I have disputed these fraudulent accounts with XXXX, TransUnion, and XXXX, and have provided them with all required documentation to support my claim. However, these errors remain on my credit report. 

Request for CFPB Assistance I am requesting that the CFPB investigate this matter, as it appears that my personal information has been used fraudulently. I seek your assistance in removing the fraudulent accounts from my credit report and ensuring that my personal data is protected. 

Please find my contact details above, and let me know if additional documentation or evidence is needed for your investigation. 

Thank you for your prompt attention to this issue. I look forward to your guidance on how to resolve this matter.
Product: Checking or savings account

I have financial dealings with Ally Bank. On XX/XX/XXXX there was a {$10.00} fraudulent withdrawal from my checking account. The amount was not significant, but it prohibited deposits to that account ; it seems that my card had been cloned. 

I disputed the charge. Ally did not respond and I sent a secure message to them. Their wait times for telephone contact are over One Hour ; their Chat fea ture has repeatedly informed me that my " session has expired '' ( this was months ago ) and complaints made by me were never successfully addressed. 

I have hundreds of thousands of dollars with this bank and being unable to contact them to order a new debit card for my convenient checking account is beyond comprehension. 

The charge in question is this : XXXX XXXX XXXX XXXX, TX, XXXX - {$10.00} - {$6.00} XX/XX/XXXX I have no idea who this is ; there is no information on search engines, and Ally has not responded since I disputed the charge on XX/XX/XXXX. 

For whatever reason, Ally 's 24/7/365 phone contact is now HOURS of waiting, and the fact that I am unable to CHAT with them and have never been able to resolve that issue, I am reduced to filing this complaint. 

In order to change a PIN and/or order a replacement card, one has to CALL them. Even secure messaging is unacceptable according to them. Other than waiting hours for phone contact, I am given no reasonable option. 

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

I have sent Transunion disputes regarding the XXXX XXXX account not reporting accurately across all three credit bureaus, specifying that I would like this account to be removed for all of the inaccuracies and they have not done anything but update this account.
Product: Credit reporting or other personal consumer reports

The account was written off since XX/XX/year> and the loan company never send me a 1099C to claim the amount that was written off on my 2022 XXXX tax return. The amount that was written off was {$23000.00} in XX/XX/year>. I contacted the company, but got an answer back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is reporting inaccurate information about the account statusXXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Informatio
n to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate ''.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be reported in error. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) -ACCT # XXXXXXXX XXXX {$250.00} In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. ACCT NAME : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX  -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX -ACCT XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXXXXXX XXXX XXXX -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The accounts listed above have multiple inaccuracies that must be verified items such as Account type, account status, date opened etc are reporting dates and amounts incorrectly between the bureaus. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character I have attached a snippet of the report and highlighted the many inaccuracies on the accounts listed above. Please Assist thank you.
Product: Mortgage

I own a XXXX flat on the north side of XXXX Illinois. During the pandemic my tennents were experiencing a hard time paying their rent due to reduced paychecks. At that time I had XXXX XXXX XXXX as my mortgage provider. I applied and got forbearance on my loan. I was told that I could get a loan modification at the end of the forbearance.This process dragged on forever and in XX/XX/2022 my loan was sold to Selene Finance. I again started the process of a loan modification with Selene Finance. Once again I was met with mass inconsistencies. I filed for the modification twice and each time I was denied, I am currently appealing their latest decision. Because of the time consuming process I am currently in the midst of a foreclosure. I feel that they are conducting fraudulent practices.They were suppose to provide me with determination my XX/XX/2022 but did not receive it til XX/XX/2022 when the letter was dated XX/XX/2022. All their correspondence is received late with little or no time to react. In my opinion that is not a coincidence
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of all negative items, as it is incorrect and does not reflect my true credit history. 

Creditor Name : XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Creditor Name : XXXX XXXX Account Number : XXXX This last account is only on my Experian but on no other credit agency reports. 

Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX