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 agenciesEquifax, XXXX, and XXXXon 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: Debt collection

Received a notification from my credit report that an account was added that I have no knowledge of and that no written notice was provided. After checking all of my credit reports I see that this collection agency reported this account improperly on my report., My report also states that this debt was opened in XXXX XXXX, 2017, which is also incorrect. It appears they have illegally reaged this collection account on all of my credit reports which is having a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called Equifax because my Credit Score will not display on any of my Credit Reports. I am contacting your agency because this issue was suppose to be resolved in 72 hours but I still don't have a Credit Score from Equifax. Please can you rectify this important issue.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Permanent Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inclusion of a XXXX XXXX  account on my credit report, as I have never held such an account. According to the Fair Credit Reporting Act ( FCRA ), all information on a consumer 's credit report must be accurate, complete, and verifiable. However, the reporting of this account on my credit report is inaccurate for the following reasons : XXXX and XXXX XXXX XXXX : The XXXX account in question is listed as " charged off '' and " written off '' on my credit report. When a creditor charges off and writes off an account, they typically seek and obtain a tax deduction for the amount written off. According to the IRS, the creditor must issue a Form XXXX to the debtor, treating the written-off amount as income to the debtor for tax purposes. 
If XXXX has written off this debt, it indicates that they have claimed the corresponding tax benefit. It is therefore contradictory and inaccurate for XXXX to continue reporting that I owe them money. A creditor can not simultaneously claim a tax write-off for a debt and report the same debt as owed by the consumer. 

Violation of FCRA Standards : The continued reporting of this account in this manner renders my credit report inaccurate, in violation of my rights under the FCRA. Specifically : Section XXXX ( b ) of the FCRA mandates that consumer reporting agencies maintain maximum possible accuracy of the information in their records. 
Section XXXX ( a ) provides me the right to dispute inaccurate information and requires the credit bureau to conduct a reasonable investigation and correct or delete information found to be inaccurate or unverifiable. 
I have attached a copy of my credit report, highlighting the inaccuracies related to the XXXX account. Additionally, XXXX has failed to provide me with a Form XXXX, further evidencing the inconsistency and inaccuracy of their reporting. 

For these reasons, I respectfully request the following : XXXX an immediate investigation into this matter, as required under Section XXXX of the FCRA. 
Permanently remove and delete all references to the XXXX account from my credit report. 
Provide me with a written confirmation of the actions taken regarding this dispute. 
Please complete your investigation and provide a response
Product: Mortgage

Rocket Mortgage purchased my loan in XX/XX/XXXX. After sending correspondence via mail, email and phone calls to inform me of this change with my mortgage, I proceeded to set-up an on-line account and monthly auto-payments which began in XX/XX/XXXX. Immediately, they began calling my mobile phone and sending emails trying to get me to refinance my loan. I told them I was not interested and that didn't matter to them. I received another phone call in mid XXXX pressuring me to do a refinance with them. The call first started with a female, then when I began to converse and explain that I wasn't interested, a male came on the call and began pressuring me to consider that they could do much better than my current loan. I very kindly explained that I'm not interested and they kept talking. This went on for more than five minutes and a request by me to stop contacting me but the man kept telling me how wrong I was not to consider refinancing. I finally had to hang up. I received two follow-up emails immediately after the call asking for me to " rate '' the caller and a copy of Rocket Mortgage privacy policy which apparently grants them permission to contact and harass customers. I logged onto their site and removed all phone numbers associated with my account so they would stop calling me. Unfortunately that didn't stop them. They began calling my home phone number which I'm not sure how they got it. 

After this continued harassment, I decided to contact my long-time mortgage broker and asked him to start a refinance of this mortgage to rid myself of Rocket Mortgage. This was in early XX/XX/XXXX. On XX/XX/XXXX, my mortgage broker requested a payoff from Rocket Mortgage which started another string of harassment calls. It was literally within 5 minutes of my mortgage broker calling them for the payoff that they call my home phone. I refused to answer and they continued to call every 2 hours through Tuesday, XX/XX/XXXX. I also received an email from XXXX XXXX, XXXX  of Mortgage banking for Rocket Mortgage stating that I had submitted a request which I had not. My mortgage broker requested a payoff and nothing came from me. For 5 days they harassed me and when they called at XXXX on Tuesday, XX/XX/XXXX, I answered and told them that I personally did not request anything from them and that a payoff had been ordered by my mortgage broker. The call started with a female and when I started to explain that I was refinancing my loan because of their harassment, a male came on the phone. He quickly stated that they could beat whatever rate I was getting eventhough I had already explained that I was refinancing the loan to get rid of their harassment. Multiple times I requested that they stop calling me and that they are harassing me and he kept trying to convince me to refinance with them. I've had mortgages since XXXX and Rocket Mortgage now joins XXXX as the only companies that harass their customers to try to get them to refinance. This company needs to be stopped! They only had my loan for two months and it was constant harassment and pressure. They need to be investigated and stopped from this behavior.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed a bunch of unauthorized credit inquiries that I did not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on the platform, leaving my address, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caught significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A company reached out to me stating that I owe a debt, yet there was no supporting documentation by this claim. I want this account to be removed from the consumer report immediately.
Product: Debt collection

I received TAP and federal loan to attend XXXX XXXX in 2014. I dropped out during my 3rd or 4th week. I was never told that I had to repay XXXX for a full semester, in the amount of {$3700.00}, nor that I would be responsible for whatever payments TAP or the government did not pay after dropping out. I am now being harassed by a debt collection agency weekly and the school refuses to explain why that without any legal documentation should I be responsible for a loan I never accepted from the school. I have reached out and emailed the schools financial department who has insisted that I pay this debt even without any legal proof that I am responsible for it.
Product: Credit card or prepaid card

Greetings, I am a customer of XXXX, CitiBank and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. Thank you, XXXX XXXX
Product: Debt collection

Ive recently was notified by checking my credit report, that a unfamiliar debt was posted on my credit report. The account debt that was posted was by LJ ROSS Associates for a XXXX XXXX XXXX. I have dispute this matter with XXXX as well XXXX. This is not my account. I have not lived in that apartment in over 5 or so years. When I have moved from that location, I called XXXX  to discontinue services. My balance was at {$0.00}
Product: Credit card

I needed cosmetic dental work done and my dentist applied for XXXX dentist credit card on my behalf. I received XXXX credit balance to use at the dentist. I paid half the credit back then they used a XXXX interest on the loan. Making my balance double. I was never aware of such a high interest rate. I wouldve never agreed to take out this loan.
Product: Payday loan, title loan, personal loan, or advance loan

I sold a home in XXXX and retained a mortgage on the property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX initiated the 'Escrow Agreement ' that covered the loan and administered the loan initially. In XXXX servicing of this contract collection was transferred to Northwest Contract Collections , Inc.. The last payment on this loan was made this month. The final statement from NCCI included an unspecified fee of {$120.00} with me paying {$51.00}. I called and was told that {$6.00} was the regular monthly servicing fee and the rest was half of a account closing fee. I complained that I should not pay the fee. XXXX XXXX, the president of NCCI, called to discuss the fee. The account closing fee was primarily to benefit the buyer by providing him the Deed documents. The fee was split between the buyer and my, based on the original Escrow Agreement. I pointed out that the Escrow Agreement specified splitting only the initiation fees and the regular processing fees ( now {$12.00} per month ) and did not apply to the account closing fee. I feel the buyer should pay the fee. He did not have an answer but refused to change the fee. I'm due {$45.00} as a refund of half of the account closing fee.
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. 

Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 card

On XX/XX/year> I made a payment of {$370.00} on my Capital One Quicksilver card. To my surprise, I got a notification of fraud and that my card was restricted. I called and the representative sent a verification to the Capital One app to verify my identity and then said they needed to call my bank to verify it was me making the payment. I asked for a supervisor. I told her I was not going to be doing a XXXX way call with my bank because : that is a breach of my security having them on the line while I verify my information with my bank, it is Sunday and they're closed, and I am not able to call during normal business hours because I work and Im not spending my lunch hour doing that. A manager came on the line and I told him I felt like I was in the Twilight Zone. I asked him what was it about my payment that caused it to be flagged for fraud. He couldn't tell me. This isn't the first time I have made a payment with this checking account. The Fraud Manager couldn't help me. Everything is read from a script and they aren't able to think and troubleshoot a problem. I told him Capital One needed to do whatever they needed to but I would not be calling my bank with them. He told me if that wasn't done then the card would stay restricted. This left me no other choice but to close my accounts. The manager couldn't care less Capital One was losing a customer with two products. He also told me I couldn't speak with an escalations team. I was going to open a CD with this bank too. I'm glad I didn't. Not only is this situation frustrating, but having to close my accounts also hurts my credit score. I should not be forced to make a XXXX way call to my bank to make a payment on my credit card. I shouldn't be forced to do that to keep my account active. This is a very very bad practice and Capital One 's Fraud department needs to be audited.
Product: Student loan

My unsubsidized private student loan was approved in XX/XX/2008 by XXXX when I was attending XXXX XXXX University in XXXX. Then it was sold to AES as a new servicer. I am now in my last year of dental school. AES contacted me stating that my payments were now kicking in. I told them I was a full student in my last year of dental school, and I only receive financial aid which make it really hard for me to honor payments of almost $ XXXX. All I asked AES was to postpone my payments for another year because after graduation from dental school I was planning on getting a job and it should n't be a problem making those payments then. AES said they would see what they could do to help. So, AES made me submit an application for payment deferral just to tell me later that my student loan is an XXXX XXXX and that I had an extension once with XXXX bank, therefore they could not give me an extension. 
But AES suggested that I may qualify for a hardship payment reduction, and asked if I was interested in applying for that. I applied for it stating as a reason that I was a full time dental student and could not afford the payments until I graduate in a year. AES later told me my reason for requesting a hardship was not temporary in nature, therefore I could not qualify for a hardship payment reduction neither. 
Every time I call AES, they say I have to apply for something else because I was not approved for the previous thing they made me apply for. While AES was pretending to be trying to help me find a solution to my case, it was reporting me to the credit companies as late on my payments. 
I had to use the financial aid I was receiving to pay AES and stop the damage it was causing to my credit. 
I do not agree that AES reported me as late when they said they were trying to help me find a way to either postpone my payments or lower my payments. I would like AES to remove the late payments they reported to the credit bureaus and to postpone my payments till I graduate from dental school. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went into the dealership with a pre approval from XXXX XXXX XXXX  the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address several inaccuracies and violations on my credit report, as well as to reiterate my rights under applicable laws. I believe that the accounts listed below have been inaccurately reported, and I am seeking the immediate removal of these unverified accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must emphasize the urgency of addressing these concerns. The inaccuracies and unverified accounts on my credit report have had a profound and distressing impact on my life. The financial strain caused by these errors has affected my ability to secure loans, housing, and even suitable employment opportunities. 

To illustrate the emotional toll, allow me to share a personal story. As I stood before my dream home, the culmination of years of hard work and sacrifice, I was met with the crushing reality of the negative impact these inaccuracies have had on my credit score. The lender 's hesitation, the doubt in their eyes, and the subsequent denial of my mortgage application shattered my aspirations. The weight of these errors has caused sleepless nights, overwhelming stress, and has taken a toll on my physical and mental well-being. 

I implore you to take immediate action to rectify these injustices. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verified information on my credit report. These unverified accounts not only violate my rights but also contribute to a cycle of financial distress that I am struggling to overcome. 

In light of these circumstances, I formally request that you enforce my legal rights under the FCRA and other relevant laws by : Investigating and verifying the accuracy of the disputed accounts. 
Removing any unverified accounts from my credit report. 
Providing me with written documentation of the investigation and resolution. 
I understand the vital role credit reporting agencies play in our financial system, and I trust that you will treat my case with the utmost care and urgency it deserves. 

Thank you for your prompt attention to this matter. I look forward to receiving a written confirmation of the actions taken to rectify these issues within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

US Bank is reported my credit report. I have never even heard of them. Obviously someone had connected to my email, somehow " cloned '' my phone. And really who knows what else. I've noticed numerous accounts that are NOT mine. I've tried to reach out to US BANK but I just received an attitude from someone who claimed to be the only person available. And then I disconnected the call. I want the account and all the other ones that DO NOT belong to me REMOVED immediately from my credit report. This is seriously the last thing I need in my life right now. Please REMOVE this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 inquiries on my TransUnion credit report that I DID NOT AUTHORIZE and needs to be DELETED IMMEDIATELY. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I did not authorize these 2 inquiries and I am requesting that they be deleted from my TransUnion credit file. If TransUnion finds that I am remiss, I would like to request that they send me ALL documentation substantiating that these inquiries are mine. I have filed an Identity Theft Statement and TransUnion still did not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, here are the hard inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,