23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the XXXX participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 
INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting or other personal consumer reports

Not updating accurate information nor investigating properly and taking major points from my credit score back to back, also had to call and have a Supervisor to contact Capital One as well to verify the error that still was being reporting on my report takin my points
Product: Debt collection

Brock & Scott PLLC ( B & S ) is produced and recorded with XXXX  County Circuit Court a false Appointment of Substitute Trustee from the alleged Lender/Investor XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Appointment was signed and notarized by XXXX XXXX XXXX XXXX employee acting as " attorney -in-law '' for XXXX and notary public also employee of XXXX . 
On, XX/XX/XXXX, in accordance with 28 U.S.C. 1746, I sent a second request to verify the alleged debt as follows : 1. Provide Lenders direct contact including name, address, and direct phone number according to 15 U.S. Code 1692g ( b ) 2. Alleged Account # with Lender/Note Holder/Investor 4. Amount of alleged debt : 5. Date this alleged debt was acquired.
7. Amount paid if debt was purchased.
8. Provide copy of Servicing Agreement between alleged Lender/Note Holder/Investor and loan servicing company. 
9. Authorization to an alleged Servicer to Foreclose on subject property on behalf of Lender/Note Holder/Investor.
10. Provide verification that your company as a debt collector is authorized to act on behalf of the stated creditor.
11. Verify specifically, name ( s ) of person ( s ) assigned as Trustee to handle trustee sale and to be held accountable. 
XXXX XXXX XXXX provided only a copy of deed of trust and Note, but with a word REDACTED on it to create an impression, the documents are made from legal size pages. 
On XX/XX/XXXX, in response to my previous complaint, B & S claimed to have the original copy of Deed of Trust and Note. This is a lie to government agency. 18 U.S.C. 1001 is generally prohibits knowingly and willfully making  false or fraudulent statements, or concealing information, in " any matter within the jurisdiction '' of the federal government of the United States. 
If B & S insists on having the original Deed of Trust and Note, I demand to mail a copy of original legal-size Deed of Trust and Note to CFPB and to the Office of Virginia Attorney General, Consumer Financial Protection section, and to me for a comparison, as I do retain a  homeowners copy of all closing documents including the Deed of Trust and Note. 
Otherwise, I want you to know that B & S engaged into white-collar crime by conspiring with XXXX in their attempt to commit a civil theft and fraud against Land Record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX who became injured after serving on XXXX deployments with the United States XXXX. Unfortunately, I had to receive XXXX on a military related XXXX in XX/XX/XXXX, that caused me to remain out of work up right before XXXX. I am thankful that PennyMac placed me on an unemployment forbearance plan that ended in the middle of XXXX in XX/XX/XXXX. However, I was affected at work by an hour decrease from XXXX hours to about XXXX XXXXours per week around XX/XX/XXXX. I informed PennyMac of the reduction in hours, and was offered two options : pay the lump sum owed from the unemployment forbearance plan or enter into a repayment plan. I chose the latter option while I was still struggling because I was not made aware of a COVID forbearance plan after informing PennyMac of my COVID-related financial issues. Moving forward, I made all six of the repayment plan payments on time and was still reported late for three of the six payments. I have been pursuing PennyMac with numerous requests and phone calls to remove these late payments initially in XX/XX/XXXX and consistently since XX/XX/XXXX. I informed the company that is the only obstacle that is keeping my family and I from closing on a home. If PennyMac does not remove these payments, we will be another homeless family on XXXX XXXX. I tried to reach out to several supervisors, but the agent ( XXXX ) on the phone either hangs up on me or asks " why do I need to talk to a supervisor when I will get the same answer? '' I even reached out to the President, XXXX XXXX on XX/XX/XXXX. 

I have attached the four months of statements between XXXX and XXXX. In the months that I was reported late, the statement reflects a lump sum owed even though I was on the repayment plan and the payment was already made. The XXXX payment due XXXX XXXX statement ) reflects the repayment plan notice on the statement and shows the correct amount due. Therefore, I was not reported late for XXXX. Yet, I was reported late for XXXX, XXXX and XXXX XXXX skipping XXXX XXXX. How is this possible when all payments were made on time. Even without the CARES ACT in place to protect consumers on a COVID forbearance plan, this is clearly an error on Pennymac 's part. Even so, as a XXXX XXXX who fought for this country, PennyMac should not give me a hard time with removing these three lates considering the circumstances of being XXXX while experiencing the hardship of COVID alongside everyone else. My family is in dire need.
Product: Debt collection

Claim to be XXXX and XXXX, but will NOT give me an address to send a letter requesting proof of debt. Called at XXXX in the morning on XXXX occasions, have claimed to be a legal office, an investigator, etc. Have threatened to garnish my wages, and when I told them they ca n't do that without taking me to court and proving the validity of the debt, they wo n't give me any more information. I 've received nothing in writing AT ALL. They have told me to go home and wait for my summons, but wo n't give me any more information. Illegal on soooooo many levels.
Product: Debt collection

I received a letter from Hunt & Khan, P.A. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXXXXXX XXXX XXXXXXXX to collect a debt I owe, {$1800.00} to XXXX, XXXX. To the best of my recollection I do not owe anything to XXXX . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to XXXX but I do believe that something smells rotten here. Please help, thank you.
Product: Debt collection

The original creditor, a XXXX  using XXXX XXXX for billing, never contacted me directly to share that the insurance denied payment because they incorrectly billed an out of network code, instead of the in network code for the doctor. The procedure took place on XX/XX/2022. It took over 21 months and over 30 calls individuals to identify that the creditor listed, XXXX XXXX, is not the creditor that is owed. 

The creditor, XXXX XXXX, was never listed on the collection notice. XXXX XXXX is the location where the medical procedure was performed. After several calls and email to Wakefield Associates ( debt collection ) and XXXX  ( creditor ), I have not received any responses to correct the medical bill issue. XXXX has been unresponsive to phone calls and emails ; the doctor that analyzed the results is not reachable and Wakefield Associates has never responded to any dispute inquiry email that has been sent to them. They claim that they responded via mail but USPS has no record of any mail being sent to my address. My insurance company needs for the bill to be corrected so it can be paid.
Product: Debt collection

On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through apple pay and cash app and that more money would come later. I did so and later that day my XXXX account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from XXXX stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail Sunrise Credit Services stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at XXXX.
Product: Credit reporting or other personal consumer reports

I have been trying to get Equifax to remove a duplicate XXXX XXXX XXXX collection for {$1300.00} from my consumer credit report since it showed up on my XX/XX/XXXX Equifax report! I have done at least complaints directly with Equifax and keep getting results claiming verified as correct. Please see the attachments to show my 3rd round complaint letter sent to Equifax which included the issue about Equifax reporting a XXXX XXXX XXXX collection showing twice on my report. I have included XXXX credit reports from Annual Credit Report for Equifax. On the credit report from XX/XX/XXXX, I had XXXX collection from XXXX and XXXX duplicate collections from XXXX. I sent a dispute letter certified mail XX/XX/XXXX. On the consumer report from XX/XX/XXXX, I then had XXXX duplicate collections from XXXX and XXXX duplicate collections from XXXX. On the report from XX/XX/XXXX, Equifax removed the duplicate XXXX XXXX but the XXXX is still showing twice with same exact account number and same exact amount. One shows an open date of XX/XX/XXXX and one shows an open date of XX/XX/XXXX. I feel Equifax blatantly violated my rights under 15 USC 1681 to have a accurate report and were not doing their investigations as they claimed. Otherwise, this duplicate would have been fixed long ago since my disputes of it have been going on since XX/XX/XXXX. Please see the attachment that clearly shows the original creditor XXXXXXXX XXXX XXXX XXXXe WAS NOT CHARGED OFF and PURCHASED BY XXXX UNTIL XX/XX/XXXX. This shows that Equifax has an inaccurate entry for XXXX on my report with a DATE OPENED XX/XX/XXXX which is before XXXX owned the debt!!!!!! 

I want Equifax to get that duplicate XXXX XXXX XXXX with a " Date Opened '' of XX/XX/XXXX DELETED off of my report. I have spent hours and hours trying to get this resolved with them since XX/XX/XXXX. I am beyond disgusted with their lack of actually verifying this information. It just shows this is what they do according to : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors. I am definitely going to seek advice on the legal aspect of them violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX, for committing identity theft. I have never given XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXXXXXX XXXX XXXX continues it's collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 15 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I had XXXX XXXX done at my doctors office by a third party. The XXXX  company was paid in full by my insurance company except for {$25.00} that my insurance company said was not covered for XXXX XXXX XXXX I am currently appealing the {$25.00} charge as my XXXX is covered 100 % by insurance. After being paid by my insurance company the XXXX company redid the bill and billed me {$40.00}, which did not include the {$25.00} being appealed. I sent the XXXX  company copies of the insurance claim and explanation of benefits several times. I also contacted my insurance company and my doctors office who both said this was illegal and they would get it straightened out. I guess not, because the XXXX  company turned the erroneous bill of {$40.00} over to collections
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$20.00} XXXX XXXXXXXX XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX Balance : {$130.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

XX/XX/year> - received foreclosure summons - monthly payments {$1200.00} was sent not knowing or notified an increase of {$150.00} totaling {$1400.00} for a new mortgage payment and was mailed the same day. After receiving summons i called Fifth Third Bank and they advised of outstanding balance was due and a cashiers check was sent in the amount of {$5400.00}. Also at the same time sent was XXXX new mortgage payment of {$1400.00} which has been cashed. Because of my uncle having XXXX XXXX people are the co-guardians of estate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$370000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX sent settlement information to remove from credit report. Company has not removed inaccurate information
Product: Debt collection

Received a letter XX/XX/2018 from a debt collector on behalf I guess XXXX XXXX XXXX XXXX. I guess the debt collector is TransWorld Systems Inc. First time received about a debt costing {$330.00}. I have been reporting fraud to my bank services XXXX XXXX and XXXX XXXX about fraudulent claims. Unaware about XXXX  services costing {$330.00}. This statement or charge, Im claiming is fraud or possible fraudulent claim as well.
Product: Money transfer, virtual currency, or money service

I recieved an email of paypal and it said that I can't no longer used business using paypal. Before when my account is not verified They e mail me something how my paypal account without limit, and then I just follow the instruction and then they congrats that I am already established seller and my account is unlimited payments then I transact everyday, and now, after transacting every a few months later, paypal sent me an email today that I can't no longer use any transaction o business in Paypal, the problem is I have a waiting payment in Paypal, and according to e email I can no longer recieved money using paypal, I try to go their resolution center but I don't see anything to fix the problem
Product: Mortgage

The IRS is requesting a copy of my 2021 IRS 1098 for the Interest Paid on my Home Equity Line of Credit. The total amount paid in 2021 was approximately {$18000.00}. Without the 1098 the IRS will not allow me to deduct this expense and is pursuing action against me. I have contact Cadence Bank XXXX different times requesting this form. They keep sending me a transaction history for the year but not the IRS 1098 form. I continue to share with them that the IRS will not accept this internally prepared document and I need the IRS form. They then continue to say that someone in another department will have to have this document sent to me and they will make sure it gets done. However, they never respond. I am running out of time with the IRS and if Cadence Bank will not get me the IRS 1098 form I will be liable for over {$6000.00} in additional taxes to them.
Product: Vehicle loan or lease

On XX/XX/year> I purchsaed a new car with a partial financing from XXXX XXXX XXXX ( CHASE AUTO ). The total amount to be repaid is {$140000.00}. The first installment payment was due by XX/XX/XXXX but I decided to pay off the entire loan and received a pay off quote of {$140000.00} that was valid until XX/XX/year>. I sent a payment ( endorsed negotiable instrument ) of {$140000.00} with certified mail to CHASE AUTO on XX/XX/year> : XXXX XXXX The payment was received and signed for on XX/XX/year>. CHASE AUTO did not apply the payment to my account to set off the balance on my account to XXXX : UCC 3-603 Instead they pretended they did not receive my payment and marked my account as late : having missed the first payment. This is fraud! 
Chase Auto did not return my payment or apply my payment to the balance of my account. Chase auto is in Breach of fiduciary duties and Breach of contract.