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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) and the Department of Education regarding an ongoing issue with the reporting of my student loans to the major credit bureaus : XXXX, Equifax, and XXXX. Despite XXXXDept of Ed no longer servicing my student loans, they continue to report inaccurate information, which is negatively affecting my credit. 

1. Loan Status : My student loans were transferred from XXXXDept of Ed to a different loan servicer. However, XXXXDept of Ed has consistently reported these loans as active and delinquent on my credit reports, even after the transfer. 
2. Inaccurate Information : The incorrect reporting has resulted in a significant drop in my credit score, making it difficult for me to secure credit, obtain reasonable interest rates, or even rent an apartment. 

3.Communication with XXXX/Dept of Ed : I have made numerous attempts to contact XXXX and the Department of Education to resolve this issue. Despite my efforts, the inaccurate reporting continues.

4.Impact on My Financial Well-being : The inaccurate reporting by XXXXDept of Ed has had a direct and negative impact on my financial well-being. It has caused me undue stress, limited my financial opportunities, and has affected my ability to access essential services. 
5. My current loan servicer is correctly reporting my loan debt but because of XXXXDEPT OF ED reckless reporting to all of the above mentioned agencies the amount of debt on my consumer report is doubled ( which includes current debt in addtion to the debt that XXXX/DEPT OF ED is reporting . 

I request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to rectify the inaccurate reporting of my student loans by XXXX/Dept of Ed . 

According to the law : 1. As stated by : 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING 2. As stated by : 15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

How are they following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? 



I appreciate your prompt attention to this matter and request that you keep me informed of any progress regarding my complaint. I understand that the CFPB is committed to ensuring fair and transparent financial practices, and I am confident that you will take appropriate action to resolve this issue. 

Thank you for your assistance in resolving this matter and for your commitment to protecting consumers ' rights. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold to SLS Mortgage in XXXX 2015. For the duration of my mortgage between all the lenders I 've had, my homeowners insurance has been paid from my escrow account. For some reason, this has stopped, and I find out with a letter from my insurance company. I should also mention that my monthly payment has n't changed, so now I 'm suddenly paying the additional cost of my insurance. I called the lender and I called the insurance co. Both bounced me back & forth on this. In the meantime, I 've had to pay a few installments of the insurance to keep it active. But this week, I get a letter from a collection agency from the mortgage company which infuriated me further. All while I am still waiting for SLS to do research on this matter and get back to me on why this happened and what we can do. I take my credit extremely seriously, and I want my mortgage company changed. I did n't pick them, I do n't want them servicing me. I want to make sure my credit is n't impacted. At present both XXXX & XXXX report my credit at over XXXX. I have not missed nor been late with any mortgage payment, and I 'm not happy with the service of this company I 've never heard of.
Product: Mortgage

First of all I want to express my anger and frustration with US Bank Home Mortgage. They have done absolutely nothing to help us resolve our mortgage issues. We have requested to have a loan modification 4 times in the past several years and have been turned down each time. My husband is working XXXX jobs in order for us to be able to afford the mortgage payment each month and he can not do it anymore due to health concerns. He has XXXX. I recently under went XXXX to XXXX am unable to do the many simple everyday tasks at home I used to do. We have expressed this to US Bank on our last request and they did say we were eligible for the loss mitigation program and after 5 months of waiting they sent us a letter denying our request as we did not qualify. This is ridiculous. All we want is to lower our mortgage payment by refinancing so we can get a lower interest rate. They refuse to help us. They basically told us we need to stop making payments to get their help. Why on earth would be ruin our credit when we have worked so hard to restore it after having to file bankruptcy back in XXXX? We can not get a loan anywhere else due to the fact our current mortgage is way over the value of the home. US Bank approved our loan back in XXXX for {$260000.00} based on a bogus appraisel done by XXXX. Our house was never worth {$260000.00} especially when we purchased it originally in XXXX for {$150000.00} ( this was a brand new construction home ). US Bank did do a drive by appraisel on XXXX/XXXX/XXXX and appraised it at {$180000.00} that is a far cry from {$260000.00}. We still owe {$230000.00} on the mortgage so we are basically SOL going anywhere else to refinance. This has been a total nightmare since we started this process back in XXXX. We are at our wits end with US Bank. What gets me is they can go and spend XXXX XXXX dollars on a new football stadium, but they refuse to help us. This is why people do crazy things that they normally would n't do. Another thing is there customer service sucks! They are absolutely no help and no one has a clue what the other one is doing or has done. I know we are not the only customers of US Bank with issues, I have read hundreds and hundreds of complaints about US Bank. Someone needs to stand up to them and hold them accountable for approving bogus loans. We are now at the point of just turning the home over to US Bank and let them deal with trying to get {$230000.00} for it. We are fed up with US Bank and their shenanigans!!
Product: Credit reporting or other personal consumer reports

I have tried to get this account deleted and Transunion has refused to delete this account according to the FCRA. An account should be deleted from the first delinquency reported on the account or any inaccuracies reported to the credit bureaus. I have called multiple times and I haven't gotten any help. I'm entitled to {$1000.00} per violation as evidenced and upon refusal I can sue per FCRA.
Product: Debt collection

Bank of America sent me an email in regards to Complaint ID : XXXX ( attached ) on Mon, XXXX XXXX XXXX XXXX XXXX XXXX asking if I am the person who filed the complaint. Please reference Complaint ID : XXXX for details on the original complaint. 

I responded that I am the person who filed the complaint about them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have not responded to me since I replied. I asked them to communicate by email since I am unable to use the phone when I am working from XXXX XXXX XXXX XXXX XXXX 

I responded quickly and showed Bank of America that I am willing to communicate with them about my original complaint and they have completely ignored me and have not responded to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX recently and noticed that Aqua Finance reported me late in XX/XX/2023 on my pool loan. I have never missed a payment. If I recall correctly, i contacted them via phone to change my due date as it was set for the XXXX but kept coming out prior to the XXXX which caused banking issues. The rep over the phone agreed to move it to the XXXX of the month but the rep failed to do so, which apparently caused a late payment in the system. 

This isn't correct and I urge compliance to pull the calls and review this claim. This report to my XXXX is false and needs to be removed and marked as current.
Product: Debt collection

My name is XXXX XXXX XXXX, and in XXXX of XXXX I moved from XXXX, to XXXX, XXXX. Since the moment I moved into XXXX, my service with XXXX was bad and resulted in many missed, dropped and no calls either coming in to me or my attempting to make. I spend countless days and weeks attempting to resolve the problem with XXXX. I was finally in XXXX of XXXX advised that because no resolution could come with regards to my paying for telephone services I was neither making or receiving, I was advised that I was being let out of my contract. since XXXX I am continuously being sent collection notices, and I have spoken to countless supervisors and have been advised that I do not owe anything to XXXX and that my account is not stating any negative remarks and/or comments. On XXXX XXXX, XXXX, I have received yet another letter from a collection agency and I called XXXX again and was advised by an account representative that someone would look into this yet again. <P/>Please help.
Product: Debt collection

The Bureaus Inc put on my credit report an account where I was never served notice of the collection item and was never given a chance to dispute it or ask for proof of claim.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : WELLS FARGO HM MORGAGE XXXX
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Account # XXXX Reason : The account was closed by the consumer It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

I am a victim of identity theft I notice an account was open in my name without my knowledge or consent in the amount of {$100.00} I am working with the local sheriff department
Product: Debt collection

There are two derogatory marks on my credit report which prevent me from being approved for immediate housing. I am currently homeless with my XXXX children and there is one affordable apartment I paid to apply and got denied today due to my credit report. 

LVNV FUNDING LLC unauthorized/ fraudulently opened XX/XX/XXXX  {$180.00} and XX/XX/XXXX  {$1100.00}. 

I have no knowledge of the activity made on this open account.
Product: Credit reporting or other personal consumer reports

This is my second time filing a complaint about this account .CFPB Complaint # XXXX i received closed on my complaint and iam not understanding why XXXX XXXX will not fix this. with the laws of Physics if i pay {$380.00} twice a month for the last six months adds up to {$770.00} for the month.so there is no way i can be 30 days late for XXXX and XXXX. no way. i have been a week yes in the pat not 30 days. my account was out 30 days late when i pay every XXXX weeks. so there is no way i should be 30 days late for XX/XX/2024 and XXXX XXXX i deferred a few payment in the pass during XXXX and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. not gave me no info that i had to make a modification payment plan on ending balance. i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so Iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home. 
making 2 payments of {$380.00} a month satisfied my payment for the month. This is not right!!! Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Transunion credit report, XXXX XXXX XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX XXXX XXXX XXXX and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I called equifax several of times about an on-going disputed related issue with the a company name XXXX XXXX XXXX Account XXXX XXXX. They have been reporting a 30 day late payment in XX/XX/XXXX. Which this is account was never late, the payments was made automated from bank account which I provided proof. Also, credit acceptance contacted me and agreed to corrected this action. I also, I have a letter that was sent to me in mail from this company in the dispute department I have sent this equifax this information and they havent fix this issue. Instead my payment history is not being reflected at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I have no affiliation with these accounts and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. Please find the enclosed documents for your review and reference.
Product: Credit reporting or other personal consumer reports

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error ; ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


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

XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
po box XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents and letters showing inaccurate information. 
Accounts show different open dates, and amounts. 
report not showing correct name and address.
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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : AXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX 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.