23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH has effectively kept me from obtaining a loan modification, for which my mortgage loan qualifies. I had always made my mortgage payments on time every month, but when I suffered an unforeseeable job loss, I saw that it was going to be impossible to stay current with my payments. I was given a forbearance agreement which I accepted and started making the payments. Unfortunately, I also had to make payments to the bankruptcy Trustee and it was impossible to keep up with both payments. I had to stop making payments and tried to work with PHH Mortgage to get a loan modification, but they would not work with me since I was in bankruptcy. My delinquency has now grown and I am afraid that I will not be able to get into some sort of workout option. PHH Mortgage has definitely received all of the money I should have paid them as I was put into an interest only loan when I bought my home. I definitely was taken advantage of and would have never taken that loan if I realized what I had signed. PHH Mortgage has never provided me with a single point of contact and they are refusing to work with me. I have never had a loan modification on my loan and I make enough money for a reasonable payment, so I must assume that PHH just wants to take my home away to capture the equity that I have in the home. I am extremely upset and frustrated with PHH as they are sending my loan through the foreclosure process and I need help to keep my home for my wife and children. My financial situation has turned around and I am out of my financial distress. I am hoping that you can look into how they are treating me and help me keep my home.
Product: Payday loan, title loan, or personal loan

I have received XXXX phone calls so far in a 7 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off accounts.
Product: Credit reporting

I 've sent 2 dispute letters to Experian. One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question.
Product: Student loan

I work for a federally qualified community health care organization and because of that I get the opportunity to apply for grants given by the government to pay off my student loans I submitted a document that needed to be completed by Aidvantage about my student loan and it needs to be sent back to me so that I can submit it for evaluation and be able to receive this grant ( XXXX ) that will go straight to my student loan. I submitted this form to Aidvantage on Friday XX/XX/2024 and called them to ensure they can speed up the process as the application for the grant has a deadline they told they will escalate the process, I called again on Monday to ensured it was done nothing and I called again today XX/XX/XXXX and I was told they will escalate the process every time I called they lie I just want to pay my student loan and I am not asking for anything that does not belong to me it is my student loan my information I have the right to have that stated on a document. 
Please help thanks
Product: Credit reporting or other personal consumer reports

Credit reporting agency has been notified of inaccurate and unverified information and has not removed the information as well as not followed guidelines required to maintain accounts and information on credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian 's credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 








Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : XXXX. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
XXXX. Failure to Provide Investigation Results : The response I received from Experian vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
XXXX. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If Experian the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
XXXX. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX XXXX XX/XX/year> Experian isn't doing an investigation. All Experian is doing is receiving the complaints or factual basis information and sending it back as verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is all described in an existing open complaint, but I want to note that THIS ERRONEOUS CREDIT REPORT TRADELINE WAS UPDATED BY THE CREDITOR ON XX/XX/XXXX, AND WAS UPDATED BY EXPERIAN 'S COMPETITOR 'S XXXX  AND XXXX ON XX/XX/2021. And yet here we are a month and a half later, and two complaints to CFPB later, and with it resolved ON MY CREDIT REPORT, and yet Experian claims they are still investigating. What is it that they are investigating? So I note that they have failed to complete an investigation within the 30 days required by law, in addition to LYING ABOUT DOING ANY INVESTIGATION WHATSOEVER INTO MY DISPUTED TRADELINE. Had they done any investigation, they would have updated the report on XX/XX/XXXX with the correct balance and closed notation, just like the other reporting agencies. They really are claiming to investigate and NOT INVESTIGATING. And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. 

XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, XXXX and Transunion. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two late payments. I have never been late. I have disputed this with Experian and they have done nothing!!! not been able to resolve it. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In accordance with fair credit reporting this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 1681 section 604 it also states a consumer reporting agency can not furnish an account without my written instructions. Again this discover card has been reported late multiple times please delete!!! 


Also I requested debt validation letters from XXXX XXXX XXXX and credit services. They just appeared as collections and have no clue of them I have been a victim of identity theft I have my credit file flagged and with a statement. They have not been able to provide the validation letter to me in writing with my signature and any agreement between me and them. I have disputed this with Experian and all they do is say its validated however they dont provide the documentation that I have requested.
Product: Credit reporting or other personal consumer reports

Please look at the attached documents thoroughly as I have noticed some inaccurate accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 
They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 


Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. 

Thank you for your swift attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Santander Bank Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. Under 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C. 166b 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: Payday loan, title loan, personal loan, or advance loan

My loan was paid off early on XXXX and Upstart refuses to inform credit reporting agencies that the loan is paid off and closed. I contacted them several times and filed a dispute with XXXX. Upstart said my account is still active. Loan is number XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts and inquiries on my credit reports from Experian, Equifax, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose.

3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable.

Harm Experienced : The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

Actions Taken to Protect Myself : 1. Filed Multiple Identity Theft Reports with the FTC.

o FTC Identity Theft Report Number : [ Insert Here ] 2. Notified the creditor ( LENDERS ) and initiated a fraud investigation.

3. Placed fraud alerts and frozen my credit reports with all three major credit bureaus.

4. Filed disputes with Experian, Equifax, and TransUnion.

5. Currently in the process of filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts are closed by the companies, when I received my reports back from bereaus via XXXX, Equifax and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Birthdate : XX/XX/year> SSN : XXXX In response to your email and based on what was said, I have determined that 1. The block was not blocked due to an error. I requested these accounts to be blocked due to it being identity theft!!

2. The block was requested by I, the consumer and gave proper representation with relevant material.

3. Im requesting you to show me proof of me obtaining the possession of these goods or money on these accounts.

The accounts on my consumer report I need removed due to them being identity theft are -XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX As I stated before, I am a victim of identity theft. Please see the attached documents for the PROPER and RELEVANT REPRESENTATION relating to this case. The attached documents include a copy of my drivers license, proof of my residency, a copy of my SSN, and a copy of the FTC identity theft report affidavit I filed regarding this case. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 4 days making you in VIOLATION of this law! As a Consumer I am demanding the deletion of ALL accounts and information i've listed as identity theft in the FTC identity theft report affidavit i've filed and attached immediately!!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO WRITTEN CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of ALL accounts and information i've requested immediately!! If these accounts are not removed from my consumer profile immediately, I will be required to get my FCRA attorney and take legal action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't know that there was a report on something I never signed or aware of. I recently downloaded XXXX XXXX for help with my report in general but got better answers in someone stealing your identity in alerts. I had no idea of this until now, because my credit should of been good.
Product: Mortgage

I received a notice from Wells Fargo Home Mortgage in the middle of XX/XX/XXXX that there was an escrow shortage and I could pay it in advance. Otherwise, my monthly mortgage payments would increase. ( I have received these notices in the past with other mortgage lenders, including with this lender, have paid the escrow shortage and my monthly payments remain the same ). But in this case, I paid the escrow shortage on XXXX XXXX by check, but my mortgage payments still were increased effective XX/XX/XXXX! I called their Customer Service number in XXXX, inquired why my mortgage payments still increased when I had payed the escrow shortage in advance? Their response was that they may not have gotten all the advance notice of increase in property taxes in time and that was the reason for the increase in mortgage payments. I responded that this didn't make sense. They apologized but that was their explanation.
Product: Debt collection

Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about fraudulent accounts on my credit report that remain despite my previous notifications to the creditors. The accounts in question are : - XXXX XXXX XXXX, Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX I have previously contacted these creditors, and although they claimed to investigate, the fraudulent accounts remain. This situation is a violation of several provisions under 15 USC Code laws. 

I am attaching the FTC report for reference and request immediate removal of these accounts from my credit report. 

Thank you for your prompt attention to this matter.