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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX & CO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ( Original XXXX : XXXX ) XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX
Product: Debt collection

After battling through XXXX XXXX  XXXX and XXXX I called my insurance company to see if all treatment and costs are fully covered, they assured me insurance covered absolutely everything since I'm on XXXX Medicare & Medicaid that I'd owe nothing. A month after my XXXX treatment ended I received a letter from Focus Financial Services saying that I owed hundreds of dollars. Please be advised I never received a bill from the hospital even though I have Informed Delivery from USPS. Last year in XXXX I called Focus Financial Services and informed them it was an error, since I got off the phone with XXXX and they paid all my bills and there is no outstanding balance. Almost a year later Focus Financial Services send me another bill for hundreds of dollars and called me on Wednesday XX/XX/XXXX at XXXX XXXX. I called them Thursday XX/XX/XXXX to dispute charges they said I'm responsible for these charges.
Product: Vehicle loan or lease

I surrendered my car in XX/XX/2021. I was contacted by Tidewater after they sold the car for 4,000. They call me repeatedly telling me I owe 16,000. They have even called my landlord asking questions about me and telling them that I owe them
Product: Mortgage

My mortgage is a VA loan that was purchased by Newrez a couple of months following its origination. We have had longtime plans to release 1 acre of our 16 acres to our daughter so she can build her home. We got the area surveyed, soil tested, approved by our county committee, and legally separated into its own parcel, but it remains in our name. We had the quitclaim deed written up by legal counsel and took it the county register of deeds to transfer ownership to my daughter. The register of deeds at the county informed us that they are unable to file this quitclaim deed without a partial release from Newrez for this 1 acre out of the 16 acres secured by the lien ( deed of trust ). 

Upon initiating the process for a partial release, it was discovered that Newrez documents state that only 8 of our 16 acres are being held as collateral because its value was enough according to the appraisal to cover our loan amount should we default. Newrez mortgage documents do NOT match the lien ( deed of trust ) on file with the county, as that document states that newrez is holding all 16 of the acres as collateral. This MAJOR inconsistency in the lien ( deed of trust ) and the mortgage documents was not caught by the underwriter of our loan, the VA officer who approved it, the realtor selling the property, the title company who facilitated this purchase, and Newrez who purchased this loan. Had this been identified by one or more of these parties, I believe the loan would not have closed with this MAJOR error. 

Upon bringing this error to the partial release team at Newrez, they stated that this is now a legal matter that is to be addressed and corrected by their Legal Remedies team, as the county will not require a partial release when the lien ( deed of trust ) is corrected to state they are holding 8 acres rather then 16 acres. We have contacted this team via email and have not received any response in regard to this matter. This was a legal mistake that was made when the Lien ( deed of trust ) was filed with the county. At this time, the 8 of our 16 acres that Newrez states they are NOT holding as collateral are tied up by Newrez because of the ERROR on the Lien ( deed of trust ). 

We need this mistake corrected IMMEDIATELY as it is NOT ETHICAL and ILLEGAL for Newrez to be hold 8 acres of our property hostage due to a clerical error that Newrez failed to identify. In the state of Tennessee, this incorrect lien ( deed of trust ) is legally invalid, so it is also in Newrez best interest to correct this immediately as an invalid Lien ( deed of trust ) leaves the loan unsecured. If this is not corrected in a timely manner, we will take legal action to have our 8 acres given back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an item on my credit report as fraudulent. I am disputing the account : XXXX XXXX Account # XXXX as fraudulent. This account was opened without my authorization
Product: Credit reporting or other personal consumer reports

EASTERNACCOS XXXX Dear XXXX XXXX XXXX XXXX This is not a dispute but a formal request for validation of the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ) and related legal precedents, I am requesting complete validation of the following details for this account : Date of First Delinquency : Provide the documentation supporting the date the account first became delinquent. 
Date of Charge-Off : Include the exact date the account was charged off and provide evidence of this status.

Date of Last Payment : Specify the date and amount of the last payment made on this account.

Additionally, I request the following actions in compliance with the FCRA and consumer rights : Cease Communications : Under 15 U.S.C. 1692c ( c ), I request that all communications regarding this account cease immediately.

Cease Reporting : Do not report this account to any consumer reporting agencies until full validation is provided.

Case Law References : Henson v. Santander Consumer USA Inc., 137 S. Ct. 1718 ( 2017 ) : Clarifies the obligations of debt collectors in ensuring accurate reporting and account validation.

Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : Establishes the creditor 's responsibility to substantiate claims with clear documentation.

Nelson v. Chase Manhattan Mortgage Corp., 282 F.3d 1057 ( 9th Cir. 2002 ) : Highlights the need for furnishers to ensure the accuracy of their reported information.

Please respond within 30 days of receipt with the requested documentation. Failure to provide adequate validation will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities.
Product: Payday loan, title loan, or personal loan

My husband and I have a direct pay account with this loan company that automatically withdraws out of our account every first part of the month so far for two and a half years we had no problem with this loan company or them with us. XX/XX/XXXX this year, shows my account, on the loan company 's website that they went in to pull the funds from the bank but then did an reversal on the same day in which me and my husband did not know we figured all bills paid with no problem, Today XX/XX/2020 we get a text from One main loan company stating that our payment was returned, and that we are to call them, even on their website says that they will charge my account {$20.00}, plus charge me a {$15.00} late fee on top of the payment. Our payment is {$110.00}, they charging us today {$130.00} altogether, which is unbelievable, we never had a problem with the loan company making our direct payments. We changed banks this month and we put our bank information for autopay direct to make payment. Also my husband and I went to our bank and got proof that the loan company never made an attempt to even pull from our bank account. The account was not insufficient of funds at the time of XX/XX/2020 And would like to know why did the loan company wait too XX/XX/2020 to not honor the payment agreement of direct pay, especially at this time of the holidays. We called this morning to speak to a customer representative about this problem she told us that they will try to waive this fee and if it's waived it will be 2 to 3 business days, and again called a second time to another customer representative and she said the same thing but for us to fax our proof of what we have too them even though we have to wait 2 to 3 business days for the unjust charges to be waived. In the meantime they want too charge us late fees. plus never emailed me at the email address they have on file throughout the month of XXXX.
Product: Debt collection

On XX/XX/XXXX, Citibank, n, a received our written request under RESPA law. Citibank not only failed to acknowledge the written request but also failed to respond. We are seeking a copy of the allege loan agreement. On XX/XX/XXXX, Citibank filed a law suit demanding payment. The credit agreement was never signed by the lender. Under Florida statute XXXX A credit agreement is not valid unless it's signed by both the debt and the creditor. The loan agreement does not reflect it was executed by citibank therefore we never had a valid contract. Assuming that we had a valid contract which we do not, Citibank was barred from filling the action because we modified the first lien back in XX/XX/XXXX. Under the HAMP guideline when debtor engages into a first lien loan modification the bank is barred by treasury guiltiness to dismiss the action. Citibank must dismiss the action but also extinguished the debt. see attached supported documents.
Product: Checking or savings account

In late XX/XX/2020 I received in the mail a PIN disclosure letter from " XXXX XXXX XXXX, XXXX XXXX, TX XXXX. '' Seeing that it was from " XXXX XXXX '' I was immediately nervous as I know I have no open account with Citibank, nor have I requested an account to be opened. The next day, I received a debt card in the mail. This was clearly from Citibank. I did not activate the card and I immediately checked my credit. I saw no report of anything new from Citibank on any of my credit reports. That night I looked up Citibank 's phone number online, called and checked into whether they had an open account with me via their automatic phone system. None of my information was registering in their system. I presumed it was deceptive advertising and moved on. Then on XX/XX/2020, I received in the mail a check book from Citibank. This is when I called Citibank and angrily told them to close this account. They forwarded me to their " fraud department '' and closed the account. The reason for me contacting cfpb is that I don't believe this was fraud from an individual stealing my identity. If someone was fraudulently opening an account in my name, why would they open it with my current address? I believe since my credit is frozen with all three major credit bureaus and there was no trace of any inquiries on my credit reports which is usually present when I set up an account, I believe that Citibank set up this account with my personal information without any authority from me seeing if they can hook me into activating the account. Similar to what XXXX XXXX was caught doing recently. If this is something that other customers are reporting, I want to add my voice and report Citibank for deceptive account practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, I am XXXX XXXX. I am writing to dispute the fraudulent hard inquiries that I have just found out. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the credits. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re- investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I authorized an online payment from my checking account. I noticed it had not come out. I called them. forwarded them the confirmation email that I received. they then took 2 weeks to figure it out while calling me saying I was late. They finally took it out on XX/XX/XXXX and did not effective date it for XX/XX/19 when I originally made the payment and provided such proof for. 
For XX/XX/2019, I called and advised them I needed to make a payment from a different checking account due to a XXXX  XXXX issue and a protective order. they took the month from the account I specifically asked them not to touch ever again. I asked 4 times if he was sure it was coming from my XXXX XXXX XXXX XXXX account. he responded yes. I called back and had to wait for my ex to be refunded and then be able to make a payment from my account. This is a huge hassle because we are unable to speak to each other. I called last week and advised them he was threatening to have me arrested for something that is none of my fault. Via a mediator I was able to calm him down and reassure his money will be refunded. Payoff stated it was a back office  issue. 
Low and behold, they call me yesterday and set up a payment for today and I ask several times if it is coming from the XXXX to avoid another issue. Well, its pending today from my ex 's account. And the police are on their way here. 

This is ridiculous. This could ruin my XX/XX/XXXX year career as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why is this continuing to happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  and beneficial was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report
Product: Student loan

I called Navient ( XX/XX/XXXX ) in response to an email notification that my student loan payment was increasing to {$360.00} a month, I am 71 years and employed, but my net salary is XXXX per week. I called Navient and was transferred to a representative with XXXX XXXX who advised me I qualified for a payment plan that would greatly reduce my debt over a 10 year period. The agreement was I pay {$170.00} per month for 6 months and then {$40.00} per month thereafter for the remaining period and Navient and XXXX XXXX ( who I was also getting collection calls from about my student loan balance ). The first payment was deducted from my bank account on XX/XX/XXXX, XXXX ( XX/XX/XXXX ) I received an email from Navient stating a payment of XXXX was done on XX/XX/XXXX. I called Navient and provided the information about my patent plan with XXXX and was told XXXX was a third-party collection company perpetrating a collection scam. I was advised to contact my bank and dispute the {$170.00} payment and contact Consumer Financial Protection Bureau to report what had occurred. I also contacted XXXX XXXX  to let them know what Navient had said and was to that XXXX Financial had filed IDR papers with Fed Loan. I asked for a copy of whatever was filed on my behalf because at this point I do not know what to believe.
Product: Debt collection

I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
XXXX + XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove a fraudulent XXXX card from my credit. I have tried several times to inform them of the false information. Ive never had that account it is fraud and not mine, also a XXXX account is on my report that is fraud and not mine they refuse to remove it I have also only ever lived at XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX XXXX since 2013 all other addresses or not correct
Product: Checking or savings account

I was charged XXXX times in the same day for close to the same amount. Only XXXX transaction was authorized. I explained to my bank and they claim no error was made which is not true
Product: Debt collection

I do not have an account, nor have I ever had an account with Zions Debt Holdings based out of UTAH or any of its affiliates, I have never received any notification of this debt prior to it automatically showing up on my Credit Bureau Reports. I have not been given the chance to dispute of validate this debt pursuant to the Fair Debt Collection Practices Act 15 U.S.C. 809. I have researched only to find they are a company out of Utah with a Registered Agent of XXXX XXXX. I was unable to verify any licenses to collect in Florida with the Florida Office of Regulatory Licensing or in Utah for that matter. This is not a refusal to pay but a matter that needs should have been validated. I want to make sure that this is not a debt that has been re-aged from an old account that could have been possibly tied to a previous bankruptcy I filed several years ago. I want to be able to provide proper documentation in its entirety to my Attorney if need be. They have seriously harmed my credit rating without notice of my rights as a consumer and never given the opportunity to dispute the validity of this debt and its entirety. They claim I owea balance of High Balance {$1300.00} with an Original Creditor by the name of XXXX which i firmly dispute that i have opened in XX/XX/2022. I have never opened an account nor have I ever had an account.
Product: Credit reporting

This item was previously disputed and found to be inaccurate. This was subsequently deleted. I spoke to XXXX XXXX services and they confirmed I have a XXXX balance and this debt does not belong to me. Today I learned that this has been reinserted into my credit profile. I request that this be permanently deleted and provisions in place to prevent re-issuance.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting the account XXXX XXXX XXXX account number XXXX in the amount of {$6000.00} dollars as an closed account. The true status of this account is Collections. For I still receives calls, Emails, and Letters from XXXX XXXX XXXX requesting for payments. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 I have the right to a Fair and Accurate Credit Report. That is LAW. In the CFPB portal I will download proof of XXXX XXXX XXXX XXXX requesting Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,