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

Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2XXXX ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a ) XXXX Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX  delete this account not mine. 
c XXXX XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXXXXXX XXXX Account # XXXX e ) XXXX XXXX Account # XXXX  Delete this account not mine f ) XXXX XXXX Account  # XXXX  Delete this account not mine. 
g ) XXXX XXXX  Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX  ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You XXXX XXXX
Product: Mortgage

I requested information earlier this year regarding the process to remove PMI, I was given little information. I proceeded to submit a request to have an evaluation to remove my PMI. 

I've received a few contacts ( email and phone calls ) from an unknown name and email/phone number inquiring about access to my property. The person who is reaching out did not mention this is related to my NewRez request for PMI. The person only listed they are with XXXX XXXX. 

I am requesting information from NewRez to confirm this communication from XXXX XXXX is legitimate, as I do not want to allow strangers into my home without confirming their identity first. NewRez has not been able to provide this detail to me, so I am submitting this compliant and hope they can respond timely.
Product: Money transfer, virtual currency, or money service

I noticed three unauthorized transactions on my WesternUnion account. I called them immediately and they kept transferring me from department to department without initiating any inquiry. There is no process in place for fraud prevention at WesternUnion.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Mortgage

Mr. Cooper wrote me to move out of my house because they can not modify the loan modification I applied for in XX/XX/XXXX. They gave me many options to choose from which included Short Sale and I choose Short Sale. I hired a Real Estate Agent to contact Mr. Cooper to ask for approval for the Short Sale. Mr. Cooper approved the Short Sale and instructed my Real Estate Agent what to do. My Real Estate Agent did exactly what Mr. Cooper asked my Agent to do, including putting a Lock Box at the front door.. Then we gave Mr. Cooper an offer and it was rejected because Mr , Cooper said the offer was too small. In the letter Mr. Cooper wrote me, it said they will take any offer no matter how small. Also Mr Cooper asked me to move out of the house as soon as possible which I did. I moved out out of the house on XX/XX/XXXX. Before I  moved out of the house Mr. Cooper arranged with a firm to come to take the picture of the house. A representative from the firm came and took the picture of the inside of the house. On XX/XX/XXXX my Agent told me she got an email from somebody who said he has bought the house at the auction sale that was scheduled for XX/XX/XXXX and XX/XX/XXXX by Mr. Cooper Short Sale Department. Up till this time XX/XX/XXXX the house was in perfect conditions. I called Mr. Cooper Short Sale Department on XX/XX/XXXX to request for a relocation fee. I spoke to one Mr. XXXX of the department who told me that only my Real Estate Agent can do such a request, and not the home owner. I also told Mr XXXX that I have moved out of the house and M r. Cooper should speed up taken over the house. I also told Mr. XXXX that the house has been bought at the Auction Sale. He told me that he was not aware that someone has bought the house. On XX/XX/XXXX I got a call from the XXXX County Sheriff that he was at my house. The Sheriff told me the front door of the my house was opened when he got to the house and the house is badly damaged by water. He said that the sprinkler were on and the house was flooded and windows were damaged. My Agent has already arranged to call Mr. Cooper Short Sale Department on the XX/XX/XXXX to request for a relocation fee for me and then this happened. I smell a rat here. My suspicion is either Mr. Cooper has something to do with this or the the person who emailed my Agent that he has bought the house has something to do with it. This e-mail was unsolicited. I could be wrong. I have lived in this quiet affluent community for 12 years and this sort of thing has never happened all the 12 years I lived there. Also it happened just when I am handing over the house to Mr. Cooper. I don't know what is going on. I am confused. Please I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Equifax in late XXXX. Over 30 days have passed and I have yet to receive a copy of my completed investigation results in the mail. I even sent a follow-up letter a couple of weeks ago, and that has received no response either.
Product: Credit reporting or other personal consumer reports

**Statement of Identity Theft Incident** All this information I have was provided from Experian Credit Report I will make a separate one for the other two bureaus.

In these past few months, I discovered that my personal information had been used fraudulently to open bank accounts, credit cards, and loans in my name. I did not authorize any of these activities, and I am a victim of identity theft. Below is a list of unauthorized inquiries and accounts that were opened in my name : XXXX. XXXX XXXX XXXXXXXX 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 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 As soon as I became aware of what was happening to me, I placed a credit freeze to prevent further unauthorized activities. 

Additionally, my information was leaked through the **XXXX data breach** in XXXX and the XXXX XXXX data breach** in XX/XX/XXXX. As a result of these breaches, my personal information has been sold on the internet. 

**Unauthorized Bank Accounts : ** - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 
Account No : XXXX
Product: Checking or savings account

On Saturday XX/XX/XXXX I stopped at a XXXX XXXX XXXX  ATM located at the XXXX XXXX. I attempted to withdraw XXXX dollars the machine displayed an error occurred after I accepted atm fee and displayed unable to complete transaction. It gave my atm card back but no funds were dispersed, cash app took the money out of account immediately. I reached out to the atm number listed for errors XXXX and reported atm ID XXXX. The representative stated that the funds would be sent back to cash app. I filed a dispute with cash app and they have yet to resolved the situation causing me economic hardship. I reached out to the XXXX XXXX XXXX number again on XXXX and the atm claims representative XXXX stated that the funds were sent back to merchant Cash app as there was a network error with said ATM. Cash app is giving me the run around and not returning my funds.
Product: Credit reporting or other personal consumer reports

Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and Experian has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the XXXX and XXXX has.my date of birth is XX/XX/1981 Experian has it XX/XX/1981 its wrong. 
XXXX has my employer direct deposit and XXXX has XXXX and that is wrong need to be updated. 
XXXX  # XXXX original balance is wrong has {$10000.00} for XXXX and {$5300.00} for Experian the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX # XXXX open dates are wrong on XXXX  and Experian and needs to be removed. 
XXXX  XXXX # XXXX original balance is wrong on XXXX {$800.00} and XXXX is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on XXXX and Experian shown XXXX different dates and need to be removed of my report.also the past due is showing XXXX different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing XXXX different dates XXXX and XXXX and report dates are both off and needs to be removed off my report. 
XXXX # XXXX loan terms are showing XXXX different years on XXXX and XXXX. Reporting dates are both wrong on XXXX and XXXX and needs to be removed off my report. 
XXXX XXXX XXXX need to be removed courts does not send any data to credit agencies and need to be remove due to privacy
Product: Debt collection

CROWN ASSET MANAGEMENT communicated with me regarding an alleged debt. I informed them I refuse to pay and I wish they stop communicating with me. CROWN ASSET MANAGEMENT failed to cease communication, instead, they have committed identity theft and provided my personal and private non public information to a non interested 3rd party.
Product: Credit reporting or other personal consumer reports

Over the last two years, I have been diligently working to rectify the inaccuracies on my credit report. Each time I reach out to Experian and XXXX, I find that the dates of first delinquency are altered, causing some accounts to remain on my report for 10 to 15 years instead of the expected seven. The customer service experience has been frustrating ; they often assure me that they will return my calls but fail to do so, and the information they provide about the dates of last activity and delinquency is frequently inconsistent.

This continuous frustration is leaving me feeling trapped due to the inadequate service, lack of empathy, and poor treatment of customers.
Product: Checking or savings account

Hello! In XX/XX/2024, I opened an online savings account with Marcus by Goldman Sachs ( XXXX XXXX XXXXXXXX ). I funded the savings account with {$2000.00}. A couple of months later, without any warning, I received a letter saying that my account was closed. There was no explanation whatsoever as to why the account was closed. More critically, the money in the account was gone ; Marcus has not returned my initial deposit or the accrued interest. I called the bank several times over the past several months, but they have not given me any answers. They're not telling me why the account was closed without my authorization, and they're refusing to return the funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian advising them that one or more of the Dismissed bankruptcy on my credit file was not authorized ( has no signature ). I contact the United States Bankruptcy court to dispute the information directly and was advised to contact the credit bureaus, which I did on many occasions. ( See enclosed ). 
Each time that I send Experian letter to inquire about the unsigned dismissed bankruptcies on my profile. They send that same standard response. THE INFORMATION HAS BEEN VERIFED. It doesnt say how and who the information was verified with.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I will certainly be entitled to under FCRA Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests sent via Certified Mail, the fraudulent items listed below still remain on my credit report in violation of Federal Law. I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. THIS IS A REQUIREMENT, AND NOT AN OPTION. 

Therefore, I hereby ONCE AGAIN demand that you immediately delete the fraudulent accounts listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX  Account # XXXX Fraudulently Opened on XX/XX/year>. ( Identity Theft! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX  XXXX TN ) Acct # XXXX ... XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and Transunion have removed these accounts from their records. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

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

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE ONE FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. ONE IN WHICH IS " XXXX XXXX. ''. WHICH IS A VIOLATION ACCORDING TO FCRA ( 15.U.S CODE & 1681 ( A ) )!!!!!!!!!!!!! 

WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS ILLEGAL TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It my understanding that you will investigate these item for me to ensure accuracy. 
Here is the item I am asking you verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Failure to Reinvestigate Disputed Credit Report Information and Correct Inaccurate Information being Reported to the Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX XXXX for failing to properly investigate and correct inaccurate, incomplete, inconsistent, and unverifiable information they are reporting to XXXX, Equifax, and XXXX such as incomplete payment history, inconsistent account status. The company is reporting recent late payments despite the account being charged off and reporting as a write off. I have not received any bills for this account in over a year, yet they continue to report new delinquencies ; all of my credit reports have different information. Despite multiple disputes made directly to the office by phone, by email and requests submitted to the credit bureaus, the company continues to report the same incorrect information. Please delete this item from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX have a legal duty to provide only accurate and verifiable data to the credit bureaus. Their failure to properly investigate my disputes violates these legal obligations. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute by a credit bureau , they are required to delete this item from my credit report XXXX XXXX  refusal to properly investigate despite their continued reporting of disputed information is a direct violation of these provisions and is causing me to be denied housing and additional sever financial hardship I am requesting that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX complies with the FCRA. Additionally, I request that the CFPB hold them accountable for their failure to uphold consumer protection laws. 

Please advise on the next steps regarding this matter. Thank you for your time and assistance. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$730.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$550.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$540.00}. 
XXXX account from Unknown with account # XXXX and a balance of {$690.00}. The original creditor is Unknown. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is XXXX BANK. 
Collection account from XXXX with account # XXXX and a balance of {$4500.00}. The original creditor is XXXX XXXX. 
Collection account from XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which should not be there and and it's stopping me to get a better place for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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