23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue with my credit report that I have been unable to resolve despite multiple attempts. My credit report contains an incorrect name and address, and there are accounts listed under this incorrect information that do not belong to me. I have only one correct name and one correct address, which I have provided above.

1. Violation of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 The inclusion of incorrect name and address information on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. Under the FCRA, I have the right to dispute inaccurate information, and the credit reporting agencies are required to investigate and correct these errors within 30 days.

2. Violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - Address Discrepancy Rules The incorrect information on my credit report also implicates the Fair and Accurate Credit Transactions Act ( FACTA ). The Act requires that any substantial discrepancies in address information be addressed and resolved by the credit reporting agencies. Failure to comply with these provisions can result in significant harm to consumers.

3. Potential Financial Compensation for Violations Under the FCRA, if the credit reporting agencies fail to correct these errors or continue to report inaccurate information, I may be entitled to monetary compensation. Specifically : Actual Damages : I may recover actual damages incurred as a result of the errors, such as increased interest rates, denied credit, or other financial losses.

Statutory Damages : In cases of willful non-compliance, I may be entitled to statutory damages ranging from {$100.00} to {$1000.00} per violation.

Punitive Damages : In cases of willful or reckless violations, the court may award punitive damages.

Attorneys Fees and Costs : The FCRA also allows for the recovery of attorneys fees and court costs if legal action becomes necessary.

4. Request for Deletion of Incorrect Accounts As a result of these violations, there are accounts associated with the incorrect name and address that do not belong to me. I am formally requesting that all accounts linked to the incorrect name and address be deleted from my credit report.

5. Previous Attempts to Resolve I have reached out to the credit reporting agenciesXXXX, Experian, and XXXX multiple occasions to address these errors. Unfortunately, I have not received any responses or confirmation that these issues have been addressed. The lack of response is not only frustrating but also constitutes further non-compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft since XX/XX/XXXX. The information listed in this complaint, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. These accounts need to be closed out by any creditors and collection activity must cease.
Product: Debt collection

After notification of a collection debt on my records, I sent a debt validation Letter to Transworld Sys Inc I sent this letter through mail and they received it on XX/XX/. It has been over 30 days and they have failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my request for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.
Product: Credit card or prepaid card

I made a purchase on XXXX  on or before XX/XX/22. In the amount of {$320.00} for a dinning table set from their 3rd party vendor. I item wasnt as described on the website and when I received the item it wasnt in a box and the item was very very small. I called Walmart to inform them and to return this item I was told that they had to email The vendor and give them time to respond. The vendor then emailed me asking for pictures of the table in which I sent to them several times. I asked over and over for a return label and a full refund and nothing. I called my credit card company and they still charged me {$320.00}. I have emailed saved with the communication between me and the seller.
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.
Product: Credit reporting or other personal consumer reports

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Debt collection

I have a few debt collectors that have tried to collect on a debt that has been paid, for a while now, and they say I still owe it. This is for a credit card, I have faxed the letter from when I paid it and they still keep sending it to different collection agencies. This has affected my correct score. Please help with this.
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to the company in match in regards to a fraud account being opened on my Behalf and the company was no help they did not remove anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america XXXX
Product: Mortgage

I made additional principal payments with my previous loan servicing company - XXXX XXXX XXXX. Those payments were made on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they total {$11000.00}. On XXXX/XXXX/XXXX my loan was transferred to another service bank - Flagstar Bank. Flagstar Bank has the wrong principal balance. They do not have the {$11000.00} of payments on the account. I talked to their customer service a few times and every time they tell me to contact my previous loan service company and ask XXXX to send Flagstar the missing payments. I talked to XXXX XXXX XXXX a few times already and they keep telling me they have send the {$11000.00} to Flagstar. I told this Flagstar and I asked them to take the necessary steps and obtain the missing information and payments. I asked Flagstar to contact XXXX  and work with them but they would n't do that. They are not taking any additional steps to resolve this issue. I have also send Flagstar the following ledger and amortization schedule that I obtained from XXXX as a proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to Experian, XXXX and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with Experian, XXXX or XXXX. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with TD bank issues ever since I opened my first account with them in XXXX there was something that happened that my account was breached and ever since then I have been dealing with fraudulent activity on my social. now there has been an account that has been hurting my credit for the last 7 years and they will not take it off my credit and keep selling to different collection agencies. the account does not belong to me and every time I ask them to provide documentation they don't send anything and ignore my request. it has hurt my credit so much and now I am at the point I have been trying to resolve this for years and have not gotten anywhere. I have tried multiple credit repair services and nothing has worked and no answer from TD Bank. someone just told me recently that you might be able to help me as I have given up hope on TD bank and the way they operate delivering a bunch of empty promises of getting it resolved and getting back to me when they never contact me again.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> EXP XXXX XXXX XXXX XX/XX/year> 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My Familys members dont have bank account for the Unemployment Benefit from the New State Department Of Labor,  so they used my bank account. There was no problem until XXXX, XXXX, 2020, i saw all the money was gone and i called in. They told me that they need to hold {$2000.00} for some reason and then, they closed my account. They didnt call me to let me know until i called in and found it out. After 3 days from the date account was closed, i called back in and they said they need to investigate. Then, i called back in after 2 weeks, the money is still not returned back to the New York State of the department of labor for my familys members. I believe that there is illegally action in my  situation and I want to file the claim against the bank
Product: Debt collection

I am writing to express my extreme frustration and ANGER about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. I am a victim of identity theft and I have been working diligently to resolve the issues that have arisen as a result. I am very disappointed that your bureau has not taken the necessary steps to assist me in this matter. I have already contacted the other credit bureaus and they have removed the accounts that were fraudulently opened in my name. I can not understand why your bureau is not complying with the law and removing these accounts as well. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am extremely ANNOYED that I have to go through this experience and I demand that it be resolved immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card or prepaid card

I FILL OUT ONLINE APPLICATION FOR A CHARITY CARD WITH COMMERCE BANK OF XXXX XXXX AND WAS SUPPOSED TO PULL XXXX, BUT INSTEAD PLULLED XXXX FOR A DIFFERENT CARD FROM COMMERCE BANK OF XXXX AND WAS DENIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. Transuion doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on XXXX and experian. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
Product: Money transfer, virtual currency, or money service

Coinbase. 

I used this system to transfer some crypto from XXXX. Then I went and converted it to USD. Then, my phone number was hacked, based upon the obscene amount of text messages I received, so I recently changed my number. I have tried several times to get their " customer service '' to address the issue, with NO success. I have {$50.00} in the account, and all I want to do is withdrawl this money, but I am caught in an XXXX loop in which their lack of customer service to address the issue has me in a loop, I suspect intentionally, in order for me to NOT use that money. 

By the way, the reason for the money transfer was because of a SCAM using online work as the pretense for it.
Product: Mortgage

Ocwen Mortgage not only charges a late fee if your mortgage payment is past is grace period, but also a {$10.00} " rush payment '' fee/ convenience fee. '' They wo n't take the payment unless its through XXXX XXXX, and XXXX is the one actually charging the fee. It 's unfair that their online system will not just accept the payment. For example if my payment was due on XXXX XXXX, and I do n't pay it until XXXX XXXX it charges a regular late fee, which is ok, but they will not accept the payment unless its through their XXXX XXXX it 's just seems unfair that they will not let me just pay my bill!
Product: Credit card

We disputed a charge with the bank/Citi Bank and described the whole situation but what the company responded was clearly not about the case. 
The reason of disputing the charge : We checked in a hotel on XX/XX/XXXX and checked out on XX/XX/XXXX. We're asked to pay {$55.00} resort fee and deposit. The morning when we're checking out, the hotel charged us {$610.00} in total for falsely accused us of smoking in the room as the smoke detector detected a smoking event while we've been non-smokers our whole life. Plus, we didn't hear any detector went off. The only thing we did in the room was taking a shower and sleeping. We confronted with the frontdesk and they simply asked us to dispute with the credit card or contact the manager but the manager never showed up nor returned the calls. We further looked at the XXXX reviews and XXXX complaints, finding many people experienced the same issue. This hotel is an absolute scam. Besides that, the hotel knew our flights back home was on that day so we couldn't afford keeping arguing with them or take any actions on the scene. 
There's nothing we can do but filling a dispute with credit card company on XXXX XX/XX/XXXX after we saw the transaction has been posted, and they declined the dispute on XXXX XXXX, and we further emailed information/evidence on XXXX XXXX to re-open the case and they declined it again XXXX XXXX. The reason the credit card company gave was we didn't provide detailed explanation of what we expected versus what we actually received, and they refused to respond to any further inquires regarding this matter and suggested we contact the hotel directly. 
First of all, it's clearly shown in this transaction we expected to have a room to sleep during the night and what we received was a scam of hundreds of dollars and a dirty room. Secondly, the merchant/hotel has been doing this scam for many years and there's no way we can get in touch with them and they could never provide a resolution/refund. They've prepared everything to scam people. 

The evidence we provided with the bank : XXXX  complaints and XXXX complaints from other customers who experienced the same thing, attempted interaction with the hotel and details about the situation.
Product: Mortgage

I had a mortgage loan with XXXX XXXX XXXX and it took over a year to get a modification but I finally did itMy payments went down to about XXXX. A monthI did n't want to lose my house so I went thru the painstaking processAfter a couple months XXXX XXXX XXXX sold my mortgageTo nation star and they immediately raised myPayments back to almost XXXX. A monthI can not afford this payment and XXXX XXXX XXXXNor nation star will advise or help meI am an XXXX yr old widow with very little incomeAnd just went thru a bout with XXXX XXXXMy home is totally falling apart and I have no moneyTo fix itIt floods the air and furnace do n't operate rightI have plastic bags in windows and doors to keepThe weather out my windows are rotting roof leaksYou name it I 'm in trouble I do n't know what to doTo get my payments back down so I 'm not homelessSomeone please help meI 'm even going XXXX and losing some XXXXAnd no money because it 's all getting eaten upBy my mortgage paymentGOd, will someone please guide or advise me whatTo do?? XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. 

I have been requesting this to be remove from my credit file. But the bureaus just don't really do anything about it. It is still reporting on my 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$10000.00}
Product: Debt collection

On XX/XX/year>, I sent a debt validation letter by certified mail to XXXX XXXX XXXX. XXXX did not furnish me with the necessary evidence to substantiate the debt, nor did they validate it within the stipulated timeframe and they backdated everything. If a debt collector refuses to provide all the requested paperwork and information and still pursues debt collection, it is against the Fair Debt Collection Practices Act ( FDCPA. ) I received a " Account Summary Report '' in the mail from the debt collector, which did not validate the debt. But in terms of the FDCPA, this is not " debt validation. '' I would like this debt to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( XXXX ) ( B ( XXXX ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.