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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX S.S.N. : XXXX D.O.B. : XX/XX/XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by Equifax and XXXX Dear CFPB, I am writing to file a formal complaint against Equifax and XXXX for their handling of my disputes regarding an account reported by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Despite submitting a police report and other documentation demonstrating this account is not mine, both credit reporting agencies continue to inaccurately report this account, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
Specifically : 1. Inconsistent Reporting : o Equifax reports late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
o XXXX reports late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies alone indicate inaccurate reporting between the two agencies.

2. Failure to Investigate Disputes : I provided a police report substantiating that this account does not belong to me. However, XXXX AND Equifax continues to assert that the account is " accurately reporting '' without addressing the inaccuracies in payment history or ownership of the account. 
3. Harm to

Credit Profile : The continued reporting of this inaccurate information is unjustly damaging my credit profile, resulting in financial and reputational harm. Attached to this complaint, I have included the following supporting documents for your review
: A copy of the police report filed regarding this fraudulent account.

A report from Equifax showing their account reporting. 
A report from XXXX showing their account reporting. 
I am requesting that the CFPB intervene to ensure both Equifax and XXXX conduct a proper investigation into this matter, remove the inaccurate information from my credit reports, and comply with the FCRA requirements. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to another town and went to open bank account and I was refused and they gave me a print out showing me it was because of chexsystems I contacted them and they were no help I go get a loan it was because of chexsystems I didn't even know I had anything to do with chexsystems before I moved I had a credit score of XXXX and when I get to another town it was XXXX I don't understand and can't get any answers and know one wants to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX Equifax and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly
Product: Mortgage

My mortgage was recently sold and now the new mortgage company is requiring me to obtain additional homeowner insurance or they would provide it a substantial price. I have had the same insurance coverage since the day I took out me mortgage in 2007. According the my mortgage contract I had to obtain insurance that was approved by my mortgage company. I complied with that obligation. The coverage was approved by my initial mortgage company. My understanding is that if a mortgage is assumed by another company all terms and condition are to be continued with no changes.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, as i viewed my report i have noticed multiple errors that i would like to address as for they maybe impacting my credit ; and that's not fair to myself. 

the year i was born : XXXX only not XXXX my formal name is : XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX , not XXXX XXXX , not XXXX XXXX  not XXXX XXXX i have not resided at any of these locations listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Only address that i reside in is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX my email is : XXXX not XXXX nor XXXX and, y phone number is : XXXX not XXXX thank you for understanding
Product: Credit reporting 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection agency put a bill on my credit report that is not in my name nor am I responsible for. Collection agency is trying to make me accountable for my x-wifes medical bill. The bill is not in my name, nor was I the guarantee on the insurance plan. Collection agency never even sent me a bill so that I could have tried to resolve the issue with them. 
AR RESOURCES INC XXXX XXXX  XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. According to the report provided by " XXXX XXXX XXXX XXXX' on XX/XX/2024, there is an entry from XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX stating that I have an auto loan with them. However, I want to emphasize that I have never had an auto loan with XXXX XXXX XXXX XXXX. 

This entry is inaccurate and is negatively impacting my credit score. I hereby request a thorough investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I ask that you promptly verify the accuracy of this information with XXXX XXXX XXXX XXXX and take necessary steps to remove this erroneous entry from my credit report. 

Enclosed with this letter are copies of documents supporting my claim. 

I appreciate your prompt attention to this matter and request that you notify me in response to this particular complaint ( CFPB.GOV ) the results of your investigation. If the investigation confirms the inaccuracy of the reported information, I expect the entry to be removed from my credit report immediately. 

Thank you for your assistance in resolving this issue.
Product: Payday loan, title loan, or personal loan

XXXX. Was paid today. Quoted a payment of XXXX by XXXX, XXXX and now XXXX quoted by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX account from my credit report for inaccuracy. the date last active shows XX/XX/XXXX on transunion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX!
Product: Credit reporting

I have incorrect information on my credit report being reported by Experian the agency which reported it was XXXX XXXX liens that were supposed to be cleared and XXXX XXXX gave me the copies to send to all XXXX reporting agencies and I sent them to the reporting agencies on XXXX different occasions.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention :
Product: Checking or savings account

On XX/XX/24 I disputed XXXX of my transactions from account that were atm charges. I disputed the transactions because I didnt receive the money when I withdrew from the bank. XXXX amount was {$500.00} & XXXX was {$400.00} and I havent heard any update or believe my bank has even began working on my dispute. I was told a few days ago over the phone that my disputes were received but not reviewed.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

The following is being reported to my transunion credit report. Someone have opened up fraudulent accounts in my name an collection agency has started a collection on my report stating that I opened up XXXX XXXX XXXX XXXX... Ive never been to XXXX ever... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX These inquiries I have no Knowleged of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Type : Individual Requested On : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX
Product: Mortgage

Nationstar ( dba Mr. Cooper ) has started an illegal foreclosure against my house, which is my primary residence where I live with my wife and children. Here is what happened : On XX/XX/XXXX, I received a letter from Nationstar stating that I had been approved for a loan modification. Shortly after, I received a packet from Nationstar with the loan modification documents. I signed the documents on XX/XX/XXXX, and soon thereafter returned them to Nationstar. 

On XX/XX/XXXX, I received a letter from Nationstar indicating that the documents I signed had errors on the dates. The letter further stated that Nationstar was going to send a mobile notary to help me sign the documents. 

On XX/XX/XXXX, I met with the mobile notary sent by Nationstar ( XXXX XXXX XXXX XXXX XXXX and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. 

In XX/XX/XXXX, I was contacted by the mobile notary XXXX XXXX, and she indicated that Nationstar wanted me to re-sign the documents. On XX/XX/XXXX, I met again with the mobile notary sent by Nationstar and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. 

I made six ( 6 ) payments under the new terms from XXXX to XX/XX/XXXX. In XX/XX/XXXX, the company blocked the portion of the website that allowed me to make payments. 

The company has now filed a Notice of Default dated XX/XX/XXXX. 

To stop the foreclosure, the company wants me to sign a different modification, with higher monthly payments. I told them we already agreed to the terms and there is no legal justification for them to reject the loan modification documents that have already been signed and notarized. 

The filing of the Notice of Default has damaged my credit score, and the lowered credit score is having further damage to my business, including higher prices for insurance, higher cost for operating bond, and higher interest on business credit cards.
Product: Money transfer, virtual currency, or money service

PayPal is holding all my money from my my account after selling something on XXXX for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS IN XXXX XXXX, SOMEONE OPENED A FRAUDULENT ACCOUNTS UNDER MY NAME. THE XXXX XXXX AND THE XXXX XXXX ACCOUNTS ARE FRAUDULENT, I NEVER OPENED ACCOUNTS I NEVER USED THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT, I NEED TRANS UNION AND XXXX XXXX AND XXXX XXXX TO UNDERSTAND THAT I AM A VICTIM, THESE ARE NOT MY ACCOUNTS.
Product: Credit card or prepaid card

I find out in my XXXX credit report. I'll had a collection from Apple Card Credit issue by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. It say 's in the documents this account is Apple Card consumer credit account opened under in my agreement. And it say 's also in the papers the Co-Owner may have access in my information. I'll never apply this credit and I don't have any idea. And I don't understand why this Goldman Sachs Bank, approved people apply online using other people Identity. It is not safe if this Bank they don't make it sure the information are correct before they approved people applying credit card online. I did call the XXXX XXXX because it say 's in my XXXX report XXXX XXXX is the Data Source and XXXX XXXX.
Product: Mortgage

My application to the California Mortgage Relief Program was approved for bringing my first mortgage current ( {$11000.00} ). Mr Cooper was given this payment XX/XX/2023 but applied the payment a full four months later to my account, on XX/XX/2023 ( which was confirmed by Mr Cooper ). 
I was unable to begin an application with California Mortgage Relief Program for my property taxes until the prior payment to Mr Cooper was applied, so I was an additional XXXX months behind with my property tax payments. 
My property tax application with California Mortgage Relief Program was finally submitted successfully on XX/XX/2023 -- -with full approval from employees of Mr Cooper XXXX who also acknowledged the four-month delay in phone conversations. However, my Property Tax application was then denied on XX/XX/XXXX because Mr Cooper, without informing me, needlessly intercepted and paid my property tax, even though I already told them the California Mortgage Relief Program was going to take care of it for me. Now I XXXX need to pay the amount of those taxes ( plus interest ) to Mr Cooper. The total taxes which Mr Cooper paid was {$3900.00}, including penalties. I attempted to remedy the situation with no less than XXXX different employees of Mr Cooper, some of whom were rude to me on the phone. 
After this, I again applied to the California Mortgage Relief Program to pay for the months of mortgage payments missed while I had to wait for Mr Cooper. This is still in process.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/year>, I paid the fee that the apartment asked me to remove me from the lease. They told me everything was okay, they didn't give me any paper to support that, and me I trusted them like a XXXX person. And 2 days ago I saw a collection on my credit report. I didn't received any phone call or email about it, and I am not in the XXXX now, because I am in the XXXX and I am XXXX in the moment. 
I tried to call them, they just told me the person who took care of it is not working here anymore. Maybe he stole the money or something because I gave him the money order to remove me from the lease. I have the receipt of where I purchased the money order.
Product: Student loan

I transferred to XXXX XXXX XXXX University in XXXX from XXXX XXXX Upon my acceptance, I was awarded scholarships and federal and private student loans. After completion of the program in XXXX, I attended graduation and walked the stage. However, I received an empty diploma holder and inquired about the status of my diploma. The school acknowledged that I completed the requirements to graduate but said they would not issue my diploma until the remaining balance of the private student loan was paid in full. I've inquired several times over the last XXXX  years, even stating that they were violating my rights and they still didn't provide my diploma. As of XX/XX/XXXX, the school is closing nationwide and I still have not yet received my diploma. 

I filed a complaint against them in XX/XX/XXXX. They initially contacted to ask what I needed. They gave me a website that did not have what I needed and have not sent my official transcripts or diploma. When I contacted them after trying the link, my email was blocked from being delivered. See previous complaint # XXXX for pertinent docs. New complaint doc attached.
Product: Checking or savings account

I am a victim of identity theft, and I have filed an Identity Theft Report with the Federal Trade Commission and a Police Report. I demand that the aforementioned fraudulent items be removed from my ChexSystems report and that all collection activity cease and be blocked within four days.
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. Act Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( auto loan ), Act Name : XXXX XXXX XXXX XXXX XXXX XXXX ( credit card ) Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years