23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX : # XXXX, has violated my rights. 


I looked at my Transunion credit report in XXXX of 2024, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Transunion has shown me no proof of validation. 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 according 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 general lf, 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 supposed 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: Checking or savings account

On XX/XX/XXXX I noticed 2 unauthorized debits were taken from my checking account, on that very day, {$6000.00} to XXXX XXXX XXXX, who did not receive and funds and the second was {$4900.00} that was an online check payment made on my account from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX to XXXX XXXX endorse and cashed at a XXXX Bank. 
I went to the BMO branch and reported the fraud and filed the proper forms. The {$6000.00} was refunded to me on XXXX XXXX. However the other funds have not been refunded and they will not talk to me about my case and the branch said it's because it's an identity theft investigation. I have asked the branch to give me updates and they said they can not and I would have to all corporate, corporate said they can not give me update and I need to call the branch, so around and around I have gone I have copies of the check front and back.
Product: Mortgage

Bank of America continues to report inaccurate information on my credit report regarding payment history for a mortgage account that is no longer with them. This information has been challenge via dispute and they have yet to remedy the situation. I am aware this is a violation of my rights via FCRA and I request your assistance regarding this matter. Thank you
Product: Checking or savings account

I am now in a room in XXXX for XXXX I can be here till XXXX in after noon. I stayed in a room after about XXXX days I just have XXXX with me. There is no electricity in the room for some reason I called XXXX and interacted with a call center woman for about XXXX minutes Wellsfargo should use their power in California to give me back the value of XXXX dollars levied by irs.gov XXXX  checking account XXXX. They should levy the ssa.gov and probably even medicare.gov and give the value of money. I repeatedly informed this is a crime by XXXX XXXX XXXX XXXX and whoever survives using them one criminal XXXX has XXXX  my mother iniuring me with a large organization of thieves. They have XXXX my mother come up with covid rules and regulations and made lot of money selling mask but I have no money selling my book that each word using having mouth or who can put mask can use as well.
Product: Credit card

Costco Citibank Visa quickly accepted my dispute against a Hotel Reservation Company going by XXXX, a subsidiary of XXXX and owned by XXXX XXXX XXXX since XXXX. This online website mirrored the actual hotel 's website and made an effort to hide its 3rd party status. I was looking to compare prices and terms. Believing I was on the XXXX XXXX XXXX website, I entered the price evaluation algorithm on the first page of this 3rd party website. It appeared to be the same price evaluation software I was familiar with using to evaluate the full cost of leasing an auto, buying an airline ticket, and discovering the real cost of a hotel room. Believing I was on the XXXX XXXX XXXX website, I signed up using my credit card information hoping to get a discount as a member. It was XX/XX/XXXX, and I entered my desired calendar dates for XX/XX/XXXX through XX/XX/XXXX ( XXXX days ). I chose a room with a king bed, and a price of $ XXXX popped up. Great Price! I still wanted to know the terms ( refundability ), taxes, and fees. I was still in the price evaluation algorithm, and the only way I could move forward in assessing this information was to click on a button that read, " Make a Reservation. '' I did not want to waste my time and effort, so I clicked on it. Immediately, I was billed {$260000.00} and told the details would be an emailed receipt. I called the hotel, and they told me they were sorry that I had used a 3rd party vendor to make the reservation, and according to their contact phone number, it was XXXX. I went to my email and discovered they lied about the price. there was close to {$700.00} in undisclosed taxes and fees, and only then did they inform me that the purchase was non-refundable. In effect, I was misinformed about price, taxes, fees, and terms. Citibank decided in their favor after a long dispute process by informing me that the vendor " says they don't owe me anything. '' Every dispute agent I talked with on the phone expressed great concern for me and knew what had happened was WRONG! I asked Citibank if they have another process besides disputes to protect their consumers when their customers have been clearly defrauded. They said there was nothing they could do. I know they XX/XX/XXXX XXXX XXXX XXXX went into effect on XX/XX/XXXX. So far it seems that no federal agency has set up an enforcement mechanism for this law. After trying to negotiate directly with XXXX and XXXX, I was refunded {$2400.00}. They did not negotiate they unilaterally decided to charge me for one night after I " no showed. '' I canceled my reservations through this 3rd party vendor within 3 hours of being illegally tricked into making it and 30 days prior to my actual reservation date on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and my information is being used without my consent. i have now filed the FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed a copy of all 3 of my credit reports, XXXX, Equifax and XXXX credit reports where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on this account, but that is not accurate. I have already spoke to the creditors who state that I have not been late on these accounts and that i should contact the bureaus responsible. I contacted all 3 bureaus by phone and submitted disputes but they have not responded!! This misleading data is causing great harm to my credit score and its detrimental to my financial well being. As I am aware by researching consumer laws, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error. 
4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor.

5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX, Equifax, and XXXX are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681.

In addition, Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement ofPAID/PAYS AS AGREED, NEVER LATE. 

These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan. I currently serve this country in the XXXX XXXX and it seems unfair to me that these bureaus are allowed to placed erroneous data on my credit reports!!!
Product: Mortgage

I have been calling and emailing Chase Mortgage daily. 
After 4 hours yesterday I did get through. Despite the federal government guidelines, they are NOT offering deferred mortgage payments. They will only waive the late fee for 90 days. 
I lost my job, as did my XXXX adult children. 

They won't explain what happens, but say I will owe all the past due payments in 90 days. 
This is not what the news about deferred mortgage payments are saying. The news is saying homeowners will be allowed to defer payments. 
Chase Mortgage company will not!! 
Please help. 

They complained about all the incoming calls, I said if they would do the right thing maybe everyone would not need to call. I asked them to keep me updated if they make a decision, they said they would not.
Product: Credit card

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute several inaccuracies on my credit report, particularly concerning my address and accounts that do not belong to me. 

Attached to this letter are copies of my Social Security card, passport and my XXXX XXXX XXXX identification card. 

On XX/XX/year>, I spoke with one of your representatives regarding this matter. I need to dispute all information currently appearing on my account, including the addresses. It has come to my attention that someone else has been using my Social Security number to access and alter my credit information. 

I kindly request that the following five accounts be removed from my credit report : 1. XXXX XXXX ( Account No : XXXX XXXXXXXX ) 2. XXXX ( Account No : XXXX XXXXXXXX ) 3. XXXX XXXX XXXX XXXX ( Account No : XXXX XXXX ) 4. All associated addresses : o Current Address : XXXX XXXX. XXXX XXXX, XXXX XXXX GA XXXX o Previous Address : XXXX XXXX. XXXX XXXX, XXXX, GA XXXX o Previous Address : XXXX XXXX. XXXX XXXX, XXXX XXXX GA XXXX Please conduct an investigation into this matter and correct or remove the inaccurate information from my credit report. I would appreciate a written response within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I look forward to your response. 
Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to have fraudulent items removed from my credit file. These fraudulent entries are adversely affecting my credit history and financial standing, and I am seeking your immediate assistance in rectifying this matter. 
I discovered that there were fraudulent entries on my credit report issued by XXXX, Transunion, and XXXX Credit Bureaus. These entries have been listed as legitimate accounts, which I had no knowledge of or involvement with. 
Since discovering these fraudulent entries, I have made multiple attempts to have them removed from my credit file. I have submitted the necessary documentation, including police reports and affidavits of fraud, to support my claims. However, despite these efforts, the fraudulent items remain on my credit report. 

Resolution Requested : I kindly request the following actions to address this issue : Conduct a thorough investigation into the validity of the fraudulent items on my credit report, considering the documentation I have provided.

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature.

Provide me with written confirmation once these fraudulent items have been removed and no longer appear on my credit report.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand that the presence of fraudulent items on my credit report is a serious matter that can have severe consequences for my financial well-being. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to resolve this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response withinthe exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit report and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to move these following fraud items in mhy credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I opened a trading account with Robin Hood on XX/XX/year> and deposited {$3000.00} into my trading account. Within a few hours they made my account restricted and demanded that I provide documents like photo id and bank statement to proof identity which I did. The application requested that I submit for a call back to resolve the restriction issues and hasnt returned a call yet. They are holding my money hostage because they will not let me withdrawal back to my account, make trades, or transfer funds to another wallet. They do not respond to support chats I try to open. The app itself isnt even functioning properly for me. They are not doing anything to resolve the issue and are holding onto my money. I want my money back and I want to close this account. I would never recommend them to anybody. They are a fraudulent company that makes a living off of scamming hard working Americans out of their funds. This is ridiculous and I hope someone can help me and others dealing with similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has misinformation on my Credit Report. XXXX XXXX Bank Should show I owe them nothing instead of {$570.00}. After I closed the Account at XXXX XXXX XXXX  they kept adding charges to an already Closed account. XXXX XXXX was also closed with nothing owed And they kept charging the account after it was already closed. 

I want TransUnion to correct these XXXX accounts on my Credit Report to show I closed both these accounts with nothing owed.
Product: Debt collection

I am writing to file a formal complaint against Fair Collections and Out for placing an unauthorized collections account on my credit report. Recently, I received notifications from all three major credit bureaus indicating that this entity has reported a collections account under my name. 

I have never consented to any debt collection practices by Fair Collections and Out, nor have I entered into any agreement that would authorize them to report a debt on my behalf. Moreover, after conducting thorough research, I have found that Fair Collections and Out is not licensed in my state to engage in debt collection activities or to report collections accounts to credit bureaus1. 

The actions of Fair Collections and Out have caused me undue stress and have potentially damaged my credit standing. This is a clear violation of my consumer rights, and I believe it may also be in violation of state and federal regulations governing debt collection practices. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly. I am prepared to provide any additional information or documentation that may be required to assist in this investigation. 

Thank you for your attention to this urgent matter. I look forward to your response and a resolution that includes the removal of the unauthorized collections account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a specialized collection with XXXX XXXX  XXXX. I disputed this with all three credit bureaus, but Equifax is the only one still reporting it. This account is not mine, and I have been trying to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting Affirm has thoroughly violated my Consumer rights by Fraudulently reporting an account that was never authorized or consented by me the original Creditor Account NumberXXXX and has reported this account 90 day 's past due and closed as of XX/XX/2021. When asked to conduct an investigation by the fraud specialist with XXXX XXXX and they reported that the account was opened by a phone number and bank account that has been closed and is on the dark web. I then refiled a police report and FTC report regarding the Identity theft and Pursuant 15 U.S. Code 1681c2 - they where to Block all the information resulting from identity theft and willfully refused to do so and has continued almost 8 months later to update and report inaccurate defaming information on my consumer report. Once I send the Cease and Desist letter to them in hopes for them to stop the inaccuracy of reporting they generated an entirely new account stating it opened XX/XX/2021 and closed in XXXX XXXX 90 days Account # XXXX which I never consented or extended my credit to validate this debt and they are a willfully violating the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, which states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. By changing the account number the amount and placing an entire new debt on my consumer file is with my validation is not only illegally criminally but they are 6. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance for violating the Federal consumer laws and causing me severe and distressful harm and denial of consumer credit for their inaccuracy and illegal reporting. I am seeking immediate removal from my consumer file all the Affirm Account that are reporting due to their deception and Illegal conduct and expect them to abide by the federal law which grants me the right as the consumer to have fair and accuracy in reporting on my file. The following proof is attached for immediate removal thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries are not authorised by mtself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S.C 1681 section A States that I have the right to privacy.

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report Equifax has XXXX XXXX as the original lender and XXXX XXXX XXXX hasXXXX  XXXXXXXX  XXXX XXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on my credit report
Product: Debt collection

On XX/XX/22 I received call from my XXXX XXXX XXXX daughter who stated that she had gotten some type of collection call from a company called AA Recovery. Once she forwarded me the message I called AA recovery in reference to the account that I thought was closed. I worked out payment arrangements and then later that afternoon my mother in law called and stated that XXXX had called her as well trying to reach me. I am filing this complaint as I feel my privacy was violated. Not only did he not have my permission to speak with my minor child he should have never given any information indicating the nature of the call. Again this complaint is against AA Recovery and his contact number is XXXX XXXX XXXX