23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it May in concern, I been in constant communication with the WELLS FARGO HOME MORTGAGE - HOME PRESERVATION PROGRAM on behalf of my account and see what are my options repayment of delinquent balance that was in Forbearance ( COVID SITUATION ). I requested review for mortgage modification on XX/XX/2021 for what is owed & been submitted all documents requested at this point. I contacted them for follow up and after months they continue requesting the same docs since hasnt been reviewed on time and the documents signed got expired and need to be resubmitted. At this moment after 1 year and half of this process, calling daily, been submitted all documents, also contacting the executive office and submitted more than 20 claims to Excallation department about my situation and concerns about this process without any resolution nothing has been done. I just been notified that the foreclosure process started when my last call they told me was under reviewing and submitted all documents again dated without been requested for them dont have any issue ( 45 pages faxed confirm ). 
Just to add more details about my concern At this point my property increased in value 3 times of what is owed and I feel the bank want to take over my property since they know they will make more money than what is owed. 

Also when I buy my property in supposedly good condition but it wasnt. I was victim of sale fraud since the 1st week I moved in to the property all this happened-kitchen collapsed, electricity exploted, water start coming out thru wall and all that come thru the plumbing go out thru bath tubs. That puts me in the very bad situation since even can be at the house with my kids for that reason I was on the emergency of this repairs and renovation been done immediately to puts on living conditions for my family been able to live in stable condition. This problem also cause economic problems that wasnt plan by that time and needs to be done urgently. This repairs also helps the increase of the property value that they need to take under concern. 

Im not feel like they are willing to help since they havent been doing a fair work and most likely make me feel mistreated and all misleading information and non communication because they also never talk or mention other options available thru government agencies & services that where available providing funds for homeowners that just been close on XX/XX/XXXX. 

I understand that by Law by the Consumer Finance Protection Bureau- The No FEAR Act to federal lending corporation my application supposed to be review as others and come back with resolution or recommendations on behalf of my default account, at this point I havent received nothing on behalf making me feel discriminated. Please I need help on behalf and what I can do to dont loose my home.
Product: Debt collection

My card information was stolen by someone and was used and bring my account in a negative, yes its my account but it was stolen and used
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate.

The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.
Product: Debt collection

I was learning how to read my credit report and discovered multiple charges that stated I owed for products I never owned and tried to dispute multiple times until I spoke with the credit bureau and they suggested I file a complaint with federal trade commission,
Product: Debt collection

I have asked Lake Area Collections to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by several creditors. My hope is that the Consumer Financial Protection Bureau will take action to enforce the relevant laws and ensure that my consumer rights are upheld. Additionally, I would like to share a deeply personal story that illustrates the severe impact these violations have had on my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Violation : Unauthorized credit inquiry without my consent. 
- Relevant Law : FCRA Section 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate personal information reported. 
- Relevant Law : FCRA Section 1681c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violations : Multiple violations including improper reporting practices, inaccurate information, and reinsertion without proper notice. 
- Relevant Laws : FCRA Sections 1681e, 1681i, 1681s-2 The impact of these violations on my life has been nothing short of devastating. Due to the inaccurate and improperly verified information on my credit report, my ability to secure housing, employment, and even simple everyday transactions has been severely hindered. I have been unjustly denied rental opportunities, faced higher interest rates on loans, and felt the constant burden of financial insecurity. 

These violations have caused not only financial stress but also emotional turmoil. I have struggled to provide for my family and faced humiliation and embarrassment due to circumstances beyond my control. The sleepless nights and XXXX I've experienced as a result of these violations have taken a toll on my mental and emotional well-being. 

With all due respect, I implore the Consumer Financial Protection Bureau to take strong and immediate action to ensure that my consumer rights are upheld and that justice is served. I humbly request that you use your authority to compel the relevant creditors to remove these unverified and inaccurate accounts from my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in the best interests of consumers and ensure that my rights are protected. I am hopeful that this dispute will lead to a resolution that allows me to regain control over my financial and emotional well-being. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting

Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help
Product: Credit reporting, credit repair services, or other personal consumer reports

I gotten back my background check for XXXX XXXX. There is a XXXX  charge from Iowa in XXXX or XXXX but I've never lived no where but Kentucky and haven't been XXXX since XXXX.
Product: Money transfer, virtual currency, or money service

I called after depositing a check from an individual I believed to be real & didnt google the address where the check came from before depositing it. I checked to find it was a property for sale & not a location for the business name provided, which I did XXXX spoke to a chase bank representative worried about the check & asked to have it stop to have her sound very annoyed and explain I would need to call back tomorrow to another department and that there was no way she could put a flag on the deposit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, Experian, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : XXXX and Experian report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleging systemic 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, when Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Loan Details tab of my account with XXXX XXXX XXXX XXXX appears the following message : XXXX XXXX XXXX  does not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transferred to XXXX XXXX XXXX on XX/XX/2021. 
During the first or second week of XX/XX/2021, I received a Welcome letter dated XX/XX/2021. My mortgage payment is due the first day of each month, so it is not possible to pay the correct servicer when the Welcome letter was mailed only a couple of days before my mortgage payment due date. Listed below is an excerpt from the Welcome letter. The second sentence and last sentence of the first paragraph contradict one another and the second sentence of the first paragraph contradicts the second paragraph. 
The servicing of your Mortgage Loan for the property address listed above has been transferred, effective XX/XX/2021. This means that after this date, a new servicer will be collecting your Mortgage Loan payments from you. No other terms of your Note and Mortgage will change. XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/2021. XXXX XXXX XXXX XXXX ( XXXX ) will collect your payments going forward effective XX/XX/2021. 
Please send all payments due on or after XX/XX/2021, to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, City of Industry, CA XXXX Posted payment XX/XX/2021 yet the statement dated XX/XX/2021 does not show the payment and the amount due is two times the monthly mortgage payment. 

The previous Servicer and XXXX XXXX XXXX, XXXX both reported to the credit bureaus that my mortgage balance is approximately {$330000.00}, so the credit bureaus listed my mortgage balance at approximately {$660000.00}. My credit score with each of the three credit bureaus decreased XXXX to XXXX points and decreased on credit card websites XXXX to XXXX points. I contacted the XXXX XXXX XXXX XXXXXXXX Customer Service Department. The employee escalated to another employee. I explained the issue to the employee that received the escalation. Her response was a giggle and stated no big deal, it will be corrected next month. 

XXXX XXXX XXXX, XXXX informed me they do not have an impact on my credit score and they did not report any information to the credit reporting agencies until XX/XX/2021, but I have attached contradicting information. I provided this information to XXXX XXXX XXXX XXXX, which they ignored and continue to state they did not provide information and will not respond any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company who failed to provide the documentation requested of them. Their response was a bill. I didnt ask for a bill, I asked for proof of hour this item was verified and validated. A bill is not proof. I requested approximately 8 different items to show there was an actual investigation. They failed to respond with this information within 30 days. Then street proceeding to not provide the requested documentation they reported the account to the credit bureaus
Product: Credit reporting

the company that reports credit EXPERIAN HAS OVER XXXX XXXX ADDRESSES THAT ARE NOT MINE AND OUT DATED INFORMATIONADDRESSES ABOUT XXXXOUTGATED INFORMATIONREQUESTED A SCORE AND REPORT AND THEY SENT NOTHING
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was in the process of purchasing a home with US Bank Mortgage since XXXX 2015. I received a preapproval letter and then an approval letter with the amount approved. I have emails and documents to prove the approvals. I had my credit ran and destroyed during this process by bank. I was told to let US Bank refinance my car, my credit cards and get a credit card to pay off the IRS from US Bank. I was told to pay for an appraisal on the house that I was purchasing. I got an inspection processed on the house, purchased new furniture, gave away my furniture that I had, due to the fact that everything was still a go with the bank loan. The bank asked for documents over and over for the same documents time after time, right up to the closing time and still said the loan was good. The bank at one point got an approval for an extension on the closing without me having to pay for it. All of a sudden on another closing time, supposedly, the loan was denied just out of the blue. I have emails of a conversation to support that the loan was good and supposedly due to the fact of my employment at a part-time job and credit inquiries, in which US Bank was the only one who ran my credit so many times. The bank has had all of my employment history from day one of this process. The bank was very unethical on their part and I would like this investigated. What a disgrace on the bank part to approve someone and then ruin their credit because I did everything the bank asked me to do and then some.
Product: Debt collection

XXXX : the original amount of debt was {$590.00}. 
The debt was with XXXX after switching service. Had called XXXX many times but debt continued to build up. 
Paid the entire debt in full and in good standing through ERC. ( letter attached ) PLEASE UPDATE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Product: Student loan

XX/XX/2023 I was informed by my credit bureau that my student loans that had been written off due to outcome of the XXXXXXXX XXXX XXXXXXXX XXXX had been added back to my credit report. I have since uploaded the documents to show this to Nelnet, emailed Nelnet- they now dont even allow emails. I have called and they say they will research it and get back to me, they still have not. Many of us were reaching out to them on XXXX ( now XXXX ) and they keep telling us to call but arent helping. And its seemingly primary the people that are part of the settlement. I just want my account adjusted back to XXXX as per the settlement. This is a part of the email sent to Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the BBB assigned to your complaint : XXXX In Nebraska, South Dakota XXXX Kansas XXXX XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the settlement. This is a part of the email sent to me from the department of education : Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXXXXXX ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ).