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

Please note that XXXX my identify was stolen,. XXXX to current due to XXXX etc. I am requesting and disputing information placed on my credit etc. 
Due to identity theft and different individual taking care of me during my recovery my credit is being reviewed. 

I have requested these docs before to no avail. 
So again, please send all signed docs related to this collecrion within 15 days of this letter Experian customer rep stated that they investigated the matter but failed to provide me with info on how they investigated the acct. thoroughly, according to US 1681 Section 7. Considering they were provided with a police report, they know my information was breached on their end twice and i pay for their credit freeze but to now avail i still have items appearing on my credit or extra SS attacked or other names and address
Product: Payday loan, title loan, or personal loan

A couple of years ago ( about XXXX ), I took out a {$300.00} payday loan with XXXX XXXX, in XXXX County, California. I intended to pay it off but forgot about it, when I moved to XXXX, California, to rent a room from my Sister in XXXX, California. A while back, I received e-mails from XXXX XXXX XXXX and XXXX XXXX demanding payment of {$400.00}. As background, I am XXXX XXXX XXXX, and about XXXX, I became a victim of identity fraud when I got a phone call at my workplace, with the caller stating I owed them {$500.00} and if I didn't pay this amount immediately, using a card purchased at XXXX, the caller 's company would sue me in a court action, and I mostly likely would lose my job. This phone call frightened me and I did as instructed, bought the card and loaded {$500.00} onto it, and sent the payment. After I had completed this payment, I spoke about it with the California Attorney General 's Fraud Unit on the phone and that representative told me there was no way to trace the payment and I was out the money. They also told me it was probably a scam, and I should never send funds this way. With regard to my current situation, I have responded to the loan company, ACE, but they insist that I buy an XXXX card, load {$400.00} onto it and send the funds this way to ACE. I am wary of sending payment via an XXXX  card because around XXXX XXXX, a local tv channel news item told the viewer not to use an XXXX   card for payment, they were a scam. Also, I am leery of sending funds to the e-mail ACE because of the bad English grammar, in their email, which is another sign it might be a scam. So, today I sent another e-mail ( we have been going round and round about this payment ) to ACE, XXXX XXXX, advising him I want to make a traceable payment to resolve my debt of {$400.00} but he insisted in his e-mail I need to use the XXXX payment process, which is different from the e-mail I got from XXXX XXXX XXXX of ACE, who told me to pay using a XXXX and they would send me the correct instructions to make this payment, but XXXX XXXX stated in his e-mail, I can only use the XXXX  method. Hence, my contact with your office. I need correct information ( perhaps a legal corporate service of process address for XXXX XXXX ) to send the {$400.00} to ACE and resolve this matter. Today, I spoke on the phone with XXXX of your staff and he tried to get a good mailing address for XXXX XXXX, but he couldn't. I think I'll look at the California Department of Corporations listing and see if I can find an XXXX XXXX service of process address.
Product: Student loan

I have been disadvantaged by Fedloan whom I consolidated all of my student loans through in 2016. I used XXXX ( Nonprofit organization that I paid nearly {$400.00} dollars to assist me ) to consolidate the loans and this triggered for me to receive an application for the Public Service Loan Forgiveness program. At the time that the consolidation went through, I was told that I my PSLF application was accepted and approved and was placed on an affordable monthly payment. To my dismay, a year later while dealing with Fedloan to recertify for the employment aspect of the application, I would be told that I was never in the program due to them not receiving my application. Although I completed the form and submitted it multiple times to Fedloans ( faxed and emailed ), their representatives ( multiple conversations related to this topic ) would argue that they never received nor processed an application for my account. 
Over the course of a 5 year time span, I feel that I have been mislead and given very misleading information regarding my original application, its approval ( which I was told eventually that it was never processed because they never received the application despite multiple submissions ), payments made to Fedloan ( which the ones that were made I would later learn were never applicable to the program because of Fedloan mishandling/mismanaging my application ) and repayment options in which I was forced to go on the income driven repayment plan after multiple attempts to have successful reviewal and acceptance of the PSLF application. I have also been forced into a perpetual state of student loan forbearance because of my inabilities to afford the loan amounts that have been assessed to my account. Now that there is an active litigation process going on, I would like to become part of the movement in order to receive recompense for my loans that are now much higher than they originally were due to interest and penalties that have been applied to an already six-figure student loan debt. I am struggling and need intervention with this situation as I am drowning in debt and am unable to afford payments at this time under the IDR program.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure t
o address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed inquiries that I didn't authorize
Product: Mortgage

I have a short sale offer for what my property appraises for and on XXXX XXXX, 2015 I was informed by my mortgage lender that instead of taking the offer and/or countering the offer at a reasonable amount they are going to proceed with the foreclosure sale. This will push me into a foreclosure situation. I have done everything that I can and I am desperate for some type of assistance. I feel as if the lender is n't doing what the government says that they should do, which is provide foreclosure alternatives to homeowners like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion reporting 30 days late and a XXXX XXXX account open from XX/XX/2020 I never late so I ask for the information that they take to verify the 30 days late I dont get that information all now. XXXX did have it late I write and ask to verify the information XXXX deleted it and update my credit report under the fair credit Act.
Product: Checking or savings account

I usually get paid Wednesday it is currently Friday and I have still not been paid. Until last night I had not received anything or been told anything about capitol one having issues until I received a email. Because I have not been paid my credit cards and loans have went past due and have heavily effected my credit and caused late fees but because I didn't get any information about the problem capitol one was having until a day after I could not call and get any of my payments rescheduled causing problems with my payments making me now have late fees and overdue balances.
Product: Credit card or prepaid card

I opened an account with wells fargo to buy furniture for my daughter. she was to make the payments. she accidently made a double payment on XX/XX/XXXX and XX/XX/XXXX. i called on XX/XX/XXXX and spoke to a XXXX , who told me the extra payment would be credited back to my daughters account on XX/XX/XXXX. today is XX/XX/XXXX, still no credit. I called today XX/XX/XXXX and talked to XXXX and XXXX and was told it could take up to 10 business days to refund that money ... that's not what i was told by XXXX..wells fargo has been caught in shady business dealings recently and i'm afraid this might be another. my daugher isn't even sure she made a double payment by accident..just saw the money missing from her account..i told them i was contacting the ftc who referred me to this site.
Product: Debt collection

Midland funding, keeps reporting different amounts to the credit reoprting agency 's every month to show activity on the account. One month they report XXXX then the next month they report XXXX. This action keeps the account showing activity. I've tried to advise them they can't keep doing this and they fail to stop or correct the problem. Midland Funding, reports the same two amounts every other month with the two amounts showing activity. They also report different balances to each credit reporting agency, to show activity.
Product: Debt collection

We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX  at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked. 
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again. 
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable. 
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX  XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX. 
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package. 
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact XXXX XXXX XXXX about a fraudulent credit card account on my credit report.
Additionally, I have also contacted the credit reporting agencies to have this information removed. They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card. This account is not mine and I want it removed from my credit report immediately.
Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act. The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Mortgage

I started a cash Out refinance in XX/XX/XXXX On my current home loan with NeWrez. The company has started this loan process 3 times as of today XX/XX/XXXX the loan still has not closed. The homeowner has excellent credit, this loan process is taking way to long. I feel that the slow pace has to do something with race. There is no reason a loan should take this long.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed in my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my rights as an identity theft victim to have the following fraudulent accounts removed from my credit file.

The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I noticed an alert via my credit card 's credit monitoring service stating I had an auto loan go into delinquency. I thought this was odd as I only have one auto loan and it is paid meticulously. After further investigation, I found there was a loan on my credit report by Lobel Financial at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. The fraudulent account is in the amount of {$5700.00} and upon initially discovering the account, I immediately submitted a dispute via XXXX. The dispute claim is now complete and instead of erasing this fraudulent account from my credit history, Lobel Financial simply charged off {$3700.00}. This is unacceptable as this is not my account. After these results came in, I called Lobel Financials Legal Department and they stated I could have the account removed by supplying a police report and copy of my credit report showing the fraudulent account. After sending this information in, they sent me a letter stating I needed to submit an identity theft victims complain and affidavit via the FTC. I am now about to complete the FTC complaint but I wanted to also file a complaint here to ensure this issue gets reported properly.
Product: Credit card or prepaid card

Received an Illinois unemployment credit card on from key bank cards XXXX. XXXX XXXX XXXX Ohio XXXX and did not file for unemployment
Product: Mortgage

I initally went XXXX XXXX XXXX XXXX Housing Counselors for assisatnce in dealing with Shellpoint on XX/XX/XXXX. At that point I was about 28 months delinquent and had lost income due to XXXX. XXXX XXXX XXXX XXXX  and everything was shut down due to XXXX. Prior to that I had no issues with my mortgage. From that point on Shellpoint has repeatedly asked for the same information over and over again. By the time that they finally are good with one thing then something else is outdated and I have to re-submit that all over again. 

This has went on for over two ( 2 ) years now. Finally, I had to file for Bankruptcy in XXXX of XXXX to save my home. I have applied for modification assistance at least three ( 3 ) times over the past two years and Shellpoint continuse to ask for the same things over and over again. Shellpoint has not operated in " Good Faith '' in trying to assist me. If they had helped me back 2 years ago I would not be in this situation today, especially since the default was not my fault, it was due to XXXX which was beyond my control. 

I have attached my Housing Counselor 's detailed notes of the interaction that we have had with Shellpoint over the past two ( 2 ) years and how we have provided them with everything that they have asked for.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Nationstar Mortgage claims XXXX XXXX XXXX transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when XXXX XXXX XXXX transferred it. However, Nationstar indicated the loan was greater than {$80000.00} past due when transferred. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XXXX. Notwithstanding, the loan history does n't show any delinquencies after XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to Nationstar. At the very least, Nationstar 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.
Product: Debt collection

Lvnv Funding Llc has not supplied me with the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, must terminate this collection action, and correct any erroneous reports of this debt as mine. 

Lvnv Funding Llc never provided any proof, as well as left Derogatory marks with the intent to hurt my ability to obtain credit which causes a detriment to my lifestyle.