23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the past year or more I have provided PSLF forms and employment documentation. I also recently attempted to apply for a lower monthly payment and was denied the payment plan and my loans were placed into forbearance which was not requested on my behalf and during forbearance any payments that are made do not go towards loan forgiveness. In the past I was told that the number of years worked with previous employers did not satisfy the 120 payments. The results should be assessed due to many loan providers recently being scrutinized by not providing accurate information and overcharging clients that are not in my best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request Physical Verification of this debt that was report to my credit by Equifax, XXXX and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that Equifax, XXXX and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.
Product: Credit card or prepaid card

I have been receiving steady flow of junk mail from Citibank credit card about 0 % and other unsolicited offers. I have called and told them to stop. They stop & the next year again I get this junk mail. This will have to stop or I will be forced to initiate legal action.
Product: Checking or savings account

Miscellaneous fees, overdraft fees then account closed yet went on my credit report. Called to figure out the fees kept getting the run around to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to both XXXX and XXXX, the credit card provider, XXXX XXXX, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX Dollar and XXXX Cents ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX  Sent : Wednesday, XX/XX/2022, XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with XXXX XXXX, which handles your XXXX  account. This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, R.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and XXXX. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its fraud and no one tried to help
Product: Checking or savings account

My inheritance Was deposited into my account it was cleared and then shortly after the bank closed all the accounts and stated that they sent my funds back. It has now been almost over XXXX  days and I have not received anything. And this is BMO bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several disputes submitted online and written to have inquiries removed, resulting in nothing being removed and Transunion stating they have been verified. i would like to be provided with the proof of verification as I do not recall authorizing these hard inquiries on my credit report. Under the Fair Credit Reporting Act, noone can request my credit reports without my permission. I would like to be shown proof that I in fact authorized these inquiries, or please remove from my credit files.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX XXXX breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account # XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXXXXXX Account # XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account XXXX XXXX Balance XXXX {$790.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # XXXX  Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRES Creditor Name Date of inquiry Credit Bureau XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing today because of an ongoing issue I have been having with XXXX Bank in regards to an auto loan listed on my credit reports. I have attempted to contact XXXX Bank via the dispute options at the 3 credit reporting agencies and also via phone, at all numbers listed on these bureaus as direct contact numbers and also through telephone numbers I have gotten online for their customer service. To date no telephone number has granted me access to their agents or customer service. I have not been able to speak to anyone regarding this issue, to verify the debt amount in documents and thereafter to pay the debt if it is legally accurate. 

The disputes I have filed, based on accuracy of amount reported have all been returned stamped that the company has met FCRA compliance in establishing proof, yet this same proof has been denied me in either written notification, official mail or a proper written response to my disputes under the FCRA. 

I am mystified as to why this would be and have no option but to contact this agency in hopes of finding a solution to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX : Complaint Against Experian for Incorrect Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint against Experian regarding inaccuracies on my credit report. I have encountered a persistent issue where my credit report includes a name that does not match my legal name as listed on my driver 's license or utility bill. 

Despite my efforts to resolve this matter directly with Experian, the issue remains unaddressed. I have provided them with the necessary documentation to prove my identity and correct the inaccuracies, yet they continue to report this erroneous name that I don't use when identifying myself. 

I am deeply concerned about the impact this situation is having on my financial standing and creditworthiness. If this issue is not resolved promptly, I will have no choice but to pursue legal action. 

I request your assistance in addressing this matter with Experian to ensure my credit report is corrected. Thank you for your attention to this urgent issue. 

Sincerely,
Product: Checking or savings account

Subject : Request for Denial Letter Regarding Personal Line of Credit Application Dear [ Recipient 's Name ], I hope this message finds you well. My name is XXXX, and I recently applied for a personal line of credit. However, my application was denied, and I have yet to receive the formal denial letter at my address : XXXX XXXX XXXX, XXXX, Pennsylvania. 

Could you please confirm whether the denial letter has been sent? If not, I would appreciate it if you could resend it to the aforementioned address. 

For your reference, my checking account number is XXXX, and my savings account number is XXXX. You can reach me for further clarification or updates via email at XXXX or by phone at XXXX. 

Thank you for your attention to this matter. 

Best regards, XXXX
Product: Credit card or prepaid card

On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.
Product: Credit reporting or other personal consumer reports

The inquiries listed are not associated with me or my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed XXXX XXXXXXXX XXXX XXXX  a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through Experian and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.
Product: Credit card

I used my card at an atm. The ATM lost power. I did not get my money. I filed a dispute over a month ago. I have provided chime with a statement from the ATM owner, filed a complaint with the XXXX. In that complaint Chime was present a charge back settlement saying I should be credited XXXX. They are refusing to speak with me or credit my money. 

I have been been hung up over 56 times. This company has no interest in resolving my problem or giving me my money back even though I have given them everything they need to do so.
Product: Credit reporting or other personal consumer reports

Subject : Reconsideration Request for Fraud Block Declination - File Number : XXXX Dear TransUnion, Thank you for your prompt response to my fraud block request. I appreciate your commitment to ensuring accurate credit reporting. However, I respectfully disagree with your decision to decline my request to block the disputed account ( s ) under Section 605B of the FCRA.

Key Points of My Dispute : 1. Fraudulent Activity Confirmed : The account ( s ) in question were opened or manipulated without my authorization. The payments or transactions you referenced were not made by me and should not be used as a basis to deny my fraud claim.

2. FCRA Compliance : Section 605B of the FCRA provides protections for victims of identity theft. I have submitted the required documentation, including my police report and/or affidavit, as proof of the fraud. The presence of prior payments or disputes does not negate the fraudulent nature of the account.

3. Request for Reconsideration : I urge you to conduct a thorough review of my case and reevaluate your decision. Additionally, please provide specific details about why you believe the fraud block request is a misrepresentation of material facts. This will help me provide any further supporting documentation necessary.

4. Legal Protections and Next Steps : If you maintain your decision to deny this request, I will be compelled to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel to ensure my rights are upheld under the FCRA.

I kindly request that you expedite this matter, as the fraudulent account ( s ) are causing significant harm to my credit report and financial well-being.

Thank you for your attention to this matter. Please confirm receipt of this letter and let me know if additional information is required to resolve this issue. 

Sincerely, XXXX XXXX This response emphasizes my rights under the FCRA and sets the stage for further action if needed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 

Account XXXX : XXXX XXXX XXXX : XXXX Account XXXX : XXXX XXXX : XXXX Removed as a collection but Shows as closed yet reports a late payment, It is NOT My Account :
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX  XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX  XXXX {$16000.00}
Product: Credit card

My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.
Product: Debt collection

I sold my home on XX/XX/2019. 

Specialized Loan Servicing in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling SLS this and they keep trying to collect money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

I would like to explore the feasibility of holding my mortgage servicer accountable for what I deem a deliberate and prejudicial attempt to delay or deny myself and others from mortgage assistance opportunities, with the express interest to foreclose upon our homes. 

OVERVIEW I have lived in my home for 20 years. Due to loss of income and hardship I have been behind on my mortgage payments for quite some time, and have been working with an attorney to delay foreclosure until such time as I could reasonably get back on my feet and apply for a loan modification. 


I began the application process for a loan modification review in XXXX of this year and after countless submissions of paperwork and requested documents, Specialized Loan Servicing has exhibited a pattern of conduct that lead me to believe they are deliberately stalling my application for mortgage assistance, or at minimum become negligent in the duties to serve the consumer. 


PATTERN OF ACTIVITIES They have rejected documents multiple times claiming they were not legible despite all of them being emailed as high resolution pdf files and / or digital photos. 

They have claimed erroneously that some documents were not signed even though they were. 

They have claimed to have not received some documents while receiving others, from the same email correspondence to them. 

They have neglected to return a single phone call despite requesting call back from my point of contact and multiple times. 

They have hung up on me as I requested clarification as to why they are making erroneous claims about documents. 

They have cited irrelevant details about documents as a basis for rejecting them, such as expiration date of driver 's license not being legible among many others. 

They have agreed on the phone to have received all documentation on multiple occasion only to then tell me a week later that they have a list of things still outstanding, things that I had already submitted. 

They have delayed my loan modification application process to where original documents have now expired and the entire process needs to start over. 

While it may seem like I am a disgruntled consumer, My experience despite going back and forth with them on the phone countless times, is they they have no intention of servicing my request for mortgage assistance, and have only sent me on a wild goose chase of document submission and resubmission, only to drag it out as long as they can to foreclosure trial. 


OUTCOME I believe in my experience with Specialized Loan Servicing that they have given me the run around on purpose. I believe that a secondary hypothesis is that they are highly negligent. The consumer is being harmed adversely as I am about to lose my home, and possibly their negligence or run around is being done to push me to a foreclosure trial with no intent to try and help with mortgage programs supposedly made available to us. 

My outcome is to hold Specialized Loan Servicing accountable to their negligence and actions.