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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has -been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 XXXX XXXX Account number : 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: Vehicle loan or lease

Good afternoon, In XX/XX/XXXX I leased a XXXX XXXX XXXX, in XX/XX/XXXX, XXXX months before my lease was up I was notified by the dealership that I could turn in my lease early, if I was interested in leasing another vehicle. 

I went to the dealership, turned in my leased vehicle, and did a new lease on a XXXX XXXX XXXX. 

When I first least the car, in XXXX, I was called back into the finance office, as they stated there was a problem with my lease, I re-signed new paperwork, and never looked at the lease again. 

XXXX XXXX XXXX, when I did the new lease, again, I was called XXXX weeks later in XX/XX/XXXX, as there was a problem with my lease paperwork, I went back in and re-signed paperwork again. 

Approximately XX/XX/XXXX I was notified By XXXX XXXX XXXX XXXX, that XXXX XXXX over {$3000.00} in excess mileage for my lease. 
I specifically, asked for, demanded, a XXXX-year, XXXX mile per year lease, this is the XXXX lease that I have had over the past XXXX years, I have never had anything lower than XXXX miles per year. 

The dealership is now stating that that is not what I signed, I am working with Hyundai Motor finance. XXXX, who have a greed to deduct half the charge as I have done my due diligence with proof of photographs from the day I purchased the car, my dollar amount per month with the added dollar amount for extra miles, however, the dealership is absolutely unwilling to work with me. 

In addition, today I went to the dealership as I was promised a three-year maintenance service contract with the new car, and came to find out today that there is no service contract on my paperwork, again, I was lied to by my sales person/finance manager Hyundai Motor finance. corporation has an open case pending, and recently sent us to collections, my father, was a cosigner on the first lease they have threatened to take our homes if we do not make this payment. 

I would have made the payment, if I had all signed up for XXXX miles a year, the sales person lied, the finance manager lied, in both instances and they are not willing to except responsibility. 

I need some assistance in trying to sort this out Hopefully without obtaining an attorney, or blasting them on social media, yelp, the Better Business Bureau, I am beyond frustrated and need some assistance.
Product: Credit reporting or other personal consumer reports

im freaked out. im trying to get an apartment and cant because of this account thats not mine!! 

i took a look at my credit report and saw XXXX XXXX XXXX their account number is XXXX and opened on XXXX please delete this account so i can move. ITS NOT MINE!!! UGH
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX to dispute the debt only to get cussed at
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all 3 credit bureaus.
Product: Debt collection

I have received notification that there 's a late payment on my credit report and I have paid on time every time.
Product: Mortgage

Nationstar Mortgage has alleged since XX/XX/XXXX they are servicing on loan numbered XXXX. I have disputed this debt since their allegations. I HAVE NOT made a payment on this debt ever. According to Nationstar, this debt has a running arrears more than {$140000.00}. They are reporting this disputed debt to the credit bureaus as delinquent. Nationstar Mortgage reports the alleged debt as delinquent, but advises I ca n't make any payments. I 've attached the most recent activity Nationstar Mortgage has reported to the credit bureau on XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT ON THE ALLEGED DEBT AND I WILL NEVER MAKE A PAYMENT ON THE ALLEGED DEBT THAT IS A FRAUD.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 reporting or other personal consumer reports

recently l locked at a copy of my credit report and noticed inaccuracies on my account this account is hutting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy here is the item l am asking you to verify as cocurate XXXXXXXX XXXX  XXXX as shown on your report
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I ensured to include a copy of my photo ID, social security card, and a recent bill displaying my current address to assist TransUnion in verifying my identity and address. Despite providing all necessary documentation and following the correct procedure for disputing inaccuracies on my credit report, TransUnion refused to conduct the investigation as requested. Their response, dated XX/XX/year>, stated the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
TansUnion 's refusal to investigate the disputed items on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation upon receiving a dispute. TransUnion failed to provide a valid reason for their refusal to conduct the investigation, leaving me without proper justification for their decision. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Student loan

From XX/XX/XXXX through approximately XX/XX/XXXX, my student loans were serviced by XXXX. During this time, they told me that I was enrolled in the XXXX program and making qualified payments. Multiple agents at the organization told me this. From XX/XX/XXXX through XX/XX/XXXX, I was a fellow with XXXX at the federal XXXX. From XX/XX/XXXX through XX/XX/XXXX, I was employed by a consulting firm XXXX XXXX XXXX XXXX XXXX in XXXX, GA ) placed at the federal XXXX. XXXX told me this was a qualified employer. Not until I tried to get these payments certified did XXXX tell me that they were not qualified because I worked for a consulting firm and was not an actual XXXX employee. I also worked for a nonprofit in XXXX before starting graduate school from XX/XX/XXXX through XX/XX/XXXX. XXXX also said these payments were eligible. Summer of XXXX, I was informed that XXXX was not authorized to manage any XXXX payments and that none of these payments would be qualified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy WESTERN FUND Account Number : 1731 Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX FL XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 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 an 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: Mortgage

My Mortgage was sold to a new lender. New lender, Flag Star bank stated I must carry flood insurance for my property as it was in a SFHA. All FEMA maps indicated the home was in a low risk flood area. Lender purchased and force-placed a flood insurance policy for the XXXX year at the cost of approximately {$2700.00}. I have been forced to repay this money which resulted in a shortage in my escrow account. Due to COVID restrictions I was not able to have my land surveyed until XXXX. I paid {$400.00} out of pocket for a surveyor and finally I obtained a Letter of Map Amendment in XXXX of XXXX stating that my home is in Flood zone XXXX I submitted this document to the mortgage company and while I was told I no longer had to carry flood insurance I was also told that I would not be refunded the money I was having to pay back for the lender-placed flood policy. FEMA suggested I contact the insurance company directly and pursue reimbursement through cancellation code 19. When I contacted Flag Star to obtain the policy information for the policy they purchased for XXXX I was first given information for a policy that didnt exist. I was then given information for a policy from XXXX and told that I had to call a specific XXXX number and that I should not call the company directly. When I called the number I was given and stated that I, per FEMA, needed a refund based on cancellation code 19, I was told that I needed to speak to Flag Star directly and was transferred back to Flag Stars call center. The call center again told me that I was not entitled to any refund. I then contacted FEMA again who expressed concerns that it appeared I was being forced to retroactively pay for a flood policy that never existed. FEMA also stated that they had no evidence of any flood policy in existence for the property during the XXXX year. When I called Flag Star again and requested information on the supposed flood insurance policy I was told that the policy was through Flag Star and that if I called the insurance company about it directly they would have no record of it and wouldnt know anything about it. When I expressed confusion and concern over the fact that I appeared to be paying retroactively for a policy that had never existed and asked bluntly what I was paying for and where the money was going I was told that I was, paying into my escrow account. I have been dealing with this issue since the summer of XXXX. I have spent close to 40 hours total on the phone attempting to rectify this issue. I have asked to speak to supervisors and have never been allowed to speak to a supervisor directly. On multiple occasions I have been told that the issue was being escalated and have been promised that the problem would be resolved. During my most recent phone call with FEMA I was advised to file a complaint with the state department and told that it appeared the bank was fraudulently taking my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unauthorized credit inquiry on my credit report from Curo XXXX XXXX XX/XX/2023. I have no idea who this company is and what it could be for. It is fraud and I need to have this removed from my credit.