23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have had this Citizens personal loan for several years. I had this loan on auto pay for approximately 3 years now. Late XXXX or early XXXX my purse was stolen with debit and credit cards in it and checkbooks. All these accounts were breached and were frozen and changed to new accounts. This robbery affected my auto payment with Citizens. It was a business account attached and I learned it is a lengthy process to get back the money from the unauthorized transactions. I am having funding problems while waiting on the funds to be investigated and refunded into the bank account. I requested a forbearance of 3 months while I get a hold of my finances. I will need to pull money from retirement accounts because the banks can not tell me definitively when the money will be returned. Citizens refuses to allow a forbearance because I received one in 2019 ( per them ) I was trying to get them to see this is no fault of my own. I could not predict a robbery. I offered the police report and a letter from the detective handling my case because the offender has been identified. They refused the documentation and will not offer any type of temporary relief while I pull down money. I have not and would not be late if this criminal would not have stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.XXXX Creditcard XX/XX/2018 2.XXXX XXXX XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.Wells Fargo XX/XX/2018
Product: Credit reporting or other personal consumer reports

I have attached an FTC report for you to finally give attention to my case. I am in distraught that none of my requests are being given attention to, and none has been taken into consideration. My credit scores have negatively affected me and I could make use of therapy but even that I can no longer afford because of how badly my financial report has become.
Product: Debt collection

Navient keeps flagging my account as negative when the account shows discharged in Bankruptcy. Also it has been in forbearance and has been in forbearance since Covid XXXX. They need to stop flagging my account as late and messing up my credit.
Product: Mortgage

SHELLPOINT has not ever provided an account number AND loan number at the same time. They move the account number over to the loan number as if they are one in the same. 

Received the response from Shellpoint for the XX/XX/year> Complaint and it's entirely false. 

1. there are NO executable signatures on any of the documents provided.

Part 4 Has no authorized signatures even allowing this process to occur. 

Part 3 XXXX XXXX is my lender and theres been no documents signed by borrower allowing any transfer. No executable documents. 

Part 2 a. All Covenents have been performed and theres been no evidence to show otherwise. The only change the borrower took was to exercise her right to pay principle first with penalties and then the interest. 

b. There has been no forfeiture or condemnation of property. 

c. There has been no abandonment of property When borrower was paying mortgage payments online with the option to pay principle only, borrower exercised that right. Then NewRez removed the option, closed the online acct and started foreclosure proceedings. 

Turned it over to some foreign entity, without any knowledge of borrower. Provided false information to pursue this foreclosure and land grab. 

MOST IMPORTANTLY, THERE ARE NO DOCUMENTS WITH SIGNATURES THAT EXECUTE ANY OF THE DOCUMENTS PROVIDED. 

I'M AUTHORIZING CFPB TO TURN THIS OVER TO INVESTIGATION AND REVOKE ALL LICENSES AND CERTIFICATIONS.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite submitting evidence to support my disputes, Equifax consistently responds within 24 hours, stating that the account is accurate without providing any proof of a thorough investigation. 
This conduct violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to perform a reasonable reinvestigation of disputed information. Equifaxs actions also appear to contravene the Consumer Financial Protection Act ( CFPA ), specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations .

The FCRA mandates that credit reporting agencies must : 1. Conduct a thorough reinvestigation : Equifax has failed to verify disputed information by refusing to provide supporting documentation or evidence validating its accuracy.

2. Provide results of the reinvestigation : Equifaxs responses do not substantiate its claims that the disputed accounts are accurate, nor do they reflect a meaningful review of the evidence I provided. 
3. Correct or remove inaccurate information : The disputed items remain on my credit report, despite being inaccurate and unsupported by evidence.

As a result of Equifaxs failure to meet these legal obligations, the negative items on my credit report have caused harm to my financial standing and reputation. I request that the CFPB : 1. Investigate Equifaxs failure to comply with federal law regarding its dispute investigation process. 
2. Require Equifax to remove the inaccurate and unsupported negative items from my credit report.

3. Ensure Equifax provides evidence of compliance with its legal obligations under the FCRA and CFPA going forward.

Enclosed are supporting documents, including copies of my dispute submissions, Equifaxs responses, and evidence that refutes the accuracy of the reported information. 

I respectfully ask the CFPB to take swift action to hold Equifax accountable and ensure compliance with federal law. I look forward to your response and appreciate your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by XXXX who has since stated that the debt was fraudulent and have removed me out of their system. now i need deville asset to do the same.
Product: Debt collection

My letter sent certified mail on XX/XX/XXXX was delivered and signed for on XX/XX/XXXX. I have requested validation of debt, and to this day have not received this from the company. I was then forwarded a judgement from XXXX of XXXX that I never originally received. This judgement was sent to an invalid address and has an invalid employer listed to " garnish my wages '', therefore this is an invasion of my privacy pursuant 15 USC 1681 384.
Product: Student loan

I applied for, and received, a forbearance due to temporary financial hardship on 2 of my loans currently being serviced by American Education Services between XX/XX/XXXX and XX/XX/XXXX. These were both private loans owned by XXXX, and guaranteed by XXXX. The first loan ( 1 XXXX ) was disbursed on XX/XX/XXXX at a 5.1 % interest rate for {$35000.00} with a repayment term of 133 months. The second loan ( 2 XXXX ) was disbursed on XX/XX/XXXX at a 4.85 % interest rate for {$16000.00} with a repayment term of 133 months ). 

When the forbearance ended, the payment date was moved 3 days forward, from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. There was no reason given, nor could any of the employees I talked with explain why it was done. I am typically paid on the XX/XX/XXXX of  the month, and I called and requested to change the date back to the original day, the XX/XX/XXXX, as I would not be able to pay on the XX/XX/XXXX day of the month. To be safe, my direct debit was suspended, and I was assured that no late fees would appear nor would there by any report on my credit as long as I did pay the amount due by the XX/XX/XXXX of the month. 

I called on the XX/XX/XXXX and was told the change would be processed in 7-10 business days. I called back several days later and was then told that changing the date would actually take 1-2 billing cycles. I was again reassured that no late fees and no credit reporting would occur as long as I paid the requested amount by the XX/XX/XXXX. I paid  the amount due on XX/XX/2018 on XX/XX/2018. I was paid a day early because the XX/XX/XXXX was a Friday and paychecks are disbursed a day early so they are not held over weekends. 

On XX/XX/XXXX, I received a letter in my account inbox online stating my date change request could not be accommodated since my account was delinquent. I checked my online account, which stated my account was current, there was {$0.00} due, and that I had, in fact, paid ahead. 

Since I can not pay on the current due date, and it may take 1-2 billing cycles to change the due date, my account will always be delinquent ; therefore, I can never receive a change on the due date in order to pay on time. Additionally, I have been given wrong or contradictory information at each step of the process, culminating in my account being shown as current and " paid ahead '' while at the same time receiving official notification that it is in delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed a debt in collections on my credit report, back in  XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in  XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.
Product: Debt collection

i have contacted all 3 credit bureaus as well as the collection agency to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " ARCADIA '' ... ... all 6 times that ive challenged it has come back verified as accurate ... how is this possible? I've always had insurance and i do not recall this debt at all ... ..looking at this account it has been re aged to mess me up and thats a violation ... ... ..i have attached a copy of the report with both accounts
Product: Student loan

Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress. 

My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Debt collection

This company keeps harassing me with constant telephone calls. They are calling me to collect on debts of which I have no knowledge of. I have informed them that I was the victim of identity theft back in XXXX of 2020, and to stop contacting me. I believe that any accounts associated with this company were the result of identity theft. They refused to provide me with any relevant information due to my inability to validate the information they have on file. It seems they may have information pertaining to another individual. At this moment, there has been no negative impact on my credit reports. However, I anticipate that this may change in the future. 

I was able to gather the following information from them via our telephone call. 

Medical Data Systems ( MDS ) XXXX XXXX XXXXXXXX, FL XXXX XXXX ( Representative ) XXXX ( Supervisor ) Phone number : XXXX ( XXXX ) XXXX Fax : XXXX Police report filed on Wednesday, XX/XX/2020 ( XXXX XXXX ) XXXX XXXX Sheriffs Department. 

Incident Submission # XXXX FTC report number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax concerning a state tax lien that was paid in full and released. It shows correctly on my XXXX report. Equifax has only removed the name of the creditor off my report. It still shows I owe a balance of {$4500.00}. I first filed a dispute with them in XX/XX/2017 and have been filing one about this every 30 days. They will not fix it even though I have attached proof from the state department of revenue that it was paid and released.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to state they have verified this allege child support account when I know its incorrect. I would like to know the details explicitly on how they verified this information when I called the support office and they stated they have not spoke to no representative to confirm this information. This is my final attempt at removing this account before I sue and use every complaint filed as evidence I have repeatedly asked for the method of verification on which they determined this information was indeed correct.
Product: Mortgage

Contacted Midland Mortgage regarding loan assistance in XXXX however the revised amount ( approx {$1900.00} ) was higher than the last initial amount ( $ XXXX ). Kept in contact with Midland on a monthly basis and began making double payments XX/XX/XXXX to XX/XX/XXXX. When I contacted them in XXXX noticed my mailing address for notifications was incorrect ; I called them to update my mailing address, due to USPS mailing issues. I also asked how much time was left before any forclosure process. They indicated payments and forclosure determination is. In XX/XX/XXXX I sent XXXX checks for {$50.00} each. Mid XXXX, I received XXXX out of the XXXX checks back with a note requesting the full amount of {$2000.00} is required. When I called them to establish the requested monthly payment, to my surprise, I was told to stop paying my mortgage and that I'm now in the forclosure process. I was confused and asked if i sent in the full amount would tgey send it back, they gave an unsure response but assured me to stop paying all together. I moved forward with applying for loan assistance over the phone and asked them for next steps. They indicated that I could ask for a determination amount for the account to come current and that they would negotiate the terms with their attorney. They gave me the attorney 's contact information. When I called the attorney 's office, they said it's not true, it's the full amount or go to court. They also confirmed Midland did not request to have a complaint filed and to call Midland back asking if they could remove me from the attorney list and the status. I called Midland back and spoke to their forclosure office. They indicated that my assistance application is under review and they are using outdated documents to make the determination; was open to updated documents being sent in. They were unable to answer about the complaint process saying it's their attorney that makes the decision ; they were unsure. Updated documents were submitted the first week in XXXX. On XX/XX/XXXX - XXXX XXXX left a notice on my door with a summons and filed complaint. I explained to the Service processor I work out of state and not my home resident state. Serving should be to the updated address provided to them. XXXX confirmed they will update their records and inform Midland Mortgage ' attorney. I called Midland to ask them about the status of my loan assistance application the same date, i was informed it would take another XXXX days for determination. Midland is conducting dual tracking, did not provide proper notice and gave incorrect information forcing me into forclosure when I was making faithful double payments. Now i have to go to court utilizing the money to pay my mortgage payments, for a forclosure defense attorney. This doesn't make sense at all when they were being deceptive, creating unnecessary confusion and illegal activities according to the NJ forclosure statute.
Product: Credit reporting

I contacted Equifax about items that were removed from my credit report and inadvertently placed back on there by the office of consumer affairs. I spoke to several reps and supervisors to have a security/fraud freeze removed from my credit report because it 's violating the FCRA law by preventing me access to my credit score and report. I was told by a rep in the office of consumer affairs that this was done to protect my file, however, I asked for it to be removed because I did not ask for it to be placed on My credit file and there 's no suspicion of fraud. Equifax is refusing to remove this freeze and allow me to access my own credit file/score online. Someone internally in the office of consumer affairs did this purposely. This was previously reported to Cfpb.
Product: Debt collection

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.