23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2022 I called FedLoan Servicing to inquire about my refund for {$6600.00}. On XX/XX/2022 I received a {$3000.00} deposit to my account for less than half of this amount and have yet to receive the remaining {$3600.00}. When I called on XX/XX/2022, the agent was more concerned about arguing when I had and had not called into customer service than addressing my issue. I need to know when the remaining balance will be issued as the agent seemed to think the full balance was deposited on XX/XX/2022 when this is not the case. I am missing {$3600.00} and nobody has been able to answer when I can expect these funds. My balance shows up in full although I am missing these funds. 
According to the original timeline I was given, these funds should have been deposited by now since the original refund request was on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

CALVARY SPV 1, LLC WAS PAID IN FULL THROUGH GARNISHMENT AND NEVER SENT LETTER OF SARISFACTION TO XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ALSO
Product: Vehicle loan or lease

To whom it may concern, On or around XX/XX/year> at around XXXX I noticed that there was an attempt to repo my car. I caught the gentlemen in the middle of the tow before the car was lifted and let them know that I did not consent and told them not to take my car. The XXXX gentlemen continued anyway breaching the peace at my parents residence and church. I let them know that the residence I was residing was also a church and that they are trespassing. I also let them know about my consumer rights, and that they were breaching the peace. They continued even physically assaulting me by knocking my camera from my hand as I was recording, and that's when I jumped into my passenger side of my vehicle. XXXX of the repo men jumped into my driver side yelling, in my face and making some pretty outlandish threats all while spitting in my face, and decided to light a cigarette blowing the smoke in my face as well. I stayed in the vehicle, and he then called the police. The police came to the scene where they let the repo men know they had to leave, I also filed assault charges against the men with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Prior to this I had been talking to the company about the allonges to my contract as well as the initial negotiable instrument per as I wanted to negotiate the contract as per Constitution Article XXXX Section XXXX states : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of XXXX XXXX XXXX XXXX coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any XXXX XXXX XXXX, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. Also stated that : money is In usual and ordinary acception it means gold, silver, or paper money used as circulating medium of exchange, and does not embraced notes, bonds, evidences of debt, or other personal or real estate. 

Further more I asked for the XXXX 'S information to file with them the proper UCC-s which I was denied the information, as well as lied to about receiving paper statements via mail. They have been giving me the run around on documentation, and in Arizona it takes an initial 90 days for them to come to the conclusion of repossession. Furthermore the initial contract is built on Fraud and they have acted in a fraudulent manner making the contract void of any negotiation or payment.

The fraud being withholding my initial license plates after signing the contract initially, and forcing me to pay my first bill in order to receive them. Revoking my gap insurance, and initially forcing me to pay a down payment. They also withheld information on how to sign the document, as the initial loan was generated from my signature. My signature was the initial payment and bond to the contract. 

I will also site here for my UCC filings over the contract making it void for documentation. My UCC 3-104 UCC 3-603 UCC1-308and UCC 3-419 and HJR192.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXXwhen I was in school.
Product: Mortgage

XX/XX/XXXX I closed on a home I purchased. XXXX XXXX XXXX XXXX is my lender and banker for my business account. 
While in the selling process I discovered the buyer was using a VA loan to purchase my prior home I sold to him. 

Moving forward to XX/XX/XXXX. I received a call from someone wanting to buy the home to add to his investments. I explained it was already sold to a vet buyer. He then explained to me the home was for rent on XXXX and I was the name on the Property Appraiser site. I hung up and looked up the address in XXXX and sure enough its there. 

Knowing VA loans ( my half brother, step dad, dad, and grandpa ) VA loans require you to live in them. Sure you can rent a room out, but this ad is for the full 3bdrm 2bth house. The price doesn't make sense for that to be a room price either. 

So I called the VA hotline, gotten a REF : XXXX, and on XX/XX/XXXX, and XXXX I called Rocket Mortgage the lender of the individual whom bought this home. Rocket Mortgage after giving me their sing-a-long song and dance routine I finally got to someone whom promised me a reply in 72 hours. That individual called me and she assured me they would get this taken care of. Well here is the problem. It's not been taken care of. The ad is still listing on XXXX for rent, and I am still getting calls on the property. 

I am fully aware the individual is supposed to live there and CAN rent other rooms. But this is NOT the case otherwise the 3bdrm 2bth house would list as 1 or 2bdrm for rent. Not the full 3/2, nor at that price point. The neighbors XXXX, XXXX, XXXX and XXXX all confirm no one is living in this home. 

This neighborhood is an extremely tightly close group of home owners and they all watch out for one another and work to keep squatters out, and communicate with each other. It is a true neighborhood watch community with monthly meetings. 

The VA user details I can provide as instructions above stipulate not to include in this complaint. 

Rocket Mortgage still to date hasn't taken care of this issue and the ad is still listed. I DID report the listing today with XXXX as a problem address.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX  {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed
Product: Credit reporting

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : i contacted them 2 times XXXX/XXXX/2016 & XXXX/XXXX/2016 they never responded to me. 

1. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The information is incorrect for the following account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The information is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX 5. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

8. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. The information is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I started receiving emails from a XXXX email stating that I needed to take action on my account. I had not seen these emails before as I have always paid my credit balance promptly. I also did not show a balance on my credit card. I contacted XXXX  customer service multiple times through phone and website customer service chat. I asked if the emails I was receiving were coming from a legitimate XXXX  email so ensure they were not a scam email. I send the email address and asked if it was a true XXXX email. I was told to ignore these emails as the email address was not from XXXX  and that they would never send emails like these to customers ( I have attached screenshots of this conversation ). I did as they recommended. I continued receiving the emails but continued to be told to ignore them. I then noticed a decline in my XXXX XXXX and upon my own investigation found that it was caused by my XXXX  account. I again called XXXX  and after a long phone call and asking them to dive deeper, they informed me that the emails were in fact from XXXX  and although my payments were on time, they were from a XXXX account. On the same call I changed the bank associated and continued paying all balances right away. I have attempted to dispute and request a credit correction from XXXX  twice and been denied each time.
Product: Debt collection

A year or so before the 2008 real-estate collapse my wife and I plus my sister and her husband signed on as partners in a land development loan for a residential subdivision located XXXX WA. in a small town " XXXX Washington '' as additional guarantors. We had hired a local multimillion dollar land developer to manage the project and finance the loan under a joint venture agreement in our project. The project was then constructed under the loan however the building lot values suddenly collapsed and the project went into default. The original bank that issued our loan also collapsed shortly thereafter and our account was taken over by Washington Federal Bank XXXX WA. who then began to be very aggressive in collection demands and hired a very aggressive legal firm to process the collections. At this point the banks legal firm took over and arranged the banks position and the bank took over the real-estate lots and sold them at about out 50 % of former value. After the lot sell off the Bank immediately sued the joint venture to collect the short fall of the loan balance. This is the point where a collusion was arranged between the banks legal firm and our financial partner to literally join together in a legal manipulation to defraud my family and shift most of the loan debt away from our wealthy project manager to our family. To repeat : The bank paid their attorney to join with our partners attorney in a direct legal maneuver to defraud my family our right to hold the wealthy developer in the land loan contract to pay his fair share of the dept. This claim can be documented by my own records and the records in the State records. Basically the " banks attorney '' literally assisted and actively worked for our partners attorney to process file and get approval of a small change in WA State law that allowed them to put a XXXX line down the center of WA State that allows legal advantages on legal proceedings to people on the XXXX XXXX of WA over people on the XXXX of WA State. This was done to accomplish one important goal : they were then able to release our financial partner of his debt responsibility and pay only a very small payment. Why? because our financial, partner had too many outstanding loans and needed assistance to spread out his loan portfolio to avoid bankruptcy. The consequences to my family? The bank forced my entire family file chapter XXXX bankruptcy, loose our life savings, I have to come out of retirement and go back to full time work, and the XXXX my sister. I am XXXX years old, a XXXX XXXX Vet, a registered XXXX, and I am living on SS and a few hours of XXXX per month. The bank still has a {$1.00} XXXX mortgage lean on my {$120000.00} farm I have no money to fight off these crooks. Please help.
Product: Credit reporting or other personal consumer reports

I am raising this complaint against XXXX, XXXX, and Experian for their ongoing failure to address inaccuracies on my credit report, even after multiple dispute attempts. These inaccuracies continue to harm my credit, and no adequate corrective action has been taken.

This involves the following violations : FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, which is required under the law.

FCRA 605 ( c ) : The date of last activity is inaccurately reported and should reflect the last payment date, not the current reporting.

FDCPA 809 ( b ) : The company has failed to validate the collection account despite my formal requests, violating their obligations under the FDCPA.

I am requesting that the CFPB investigate these violations and ensure that the credit bureaus take the necessary steps to correct the errors, properly mark the account as disputed, and validate the debt in compliance with federal laws.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$0.00} - Charge off
Product: Payday loan, title loan, or personal loan

Good afternoon, In regards to my HELOC account with TD bank. 

XX/XX/2020- I had received email confirmation after applying for the forbearance. 

XX/XX/2020- shocked to see a late payment so called and made {$410.00} payment and representative said that the application should be approved before next payment. She said there is heavy volume and sorry for the mix up on their part. XXXX did not receive any late charge therefore indicating like representative said that the mortgage forbearance has been applied. 

A Monday in XXXX spoke with XXXX once I discovered my credit was destroyed. 

XX/XX/2020- spoke with XXXX XX/XX/2020- emailed XXXX and no response XX/XX/2020- submitted by mail TD bank 's Consumer Credit Report Dispute Form. 

XX/XX/2020- spoke with representative XX/XX/2020- spoke with XXXX TD representative had me under the assumption that my online application was approved from XX/XX/XXXX. Unfortunately, I discovered in XXXX around 100 point credit score drop. XXXX has resubmitted the back date request again ( XX/XX/11 was told denied because they said there was no evidence of me requesting the forbearance ), after XXXX did that in early XXXX. I have an email to prove it and a call that was made on XX/XX/XXXX talking about why did I have a late charge when I had applied for the forbearance. 

Respectfully
Product: Credit card

On XX/XX/year>, Citi reduced my revolving credit limit on two different cards. While this behavior is typical of most credit card issuers, Citi reduced my credit limit leaving me less that {$100.00} dollars in available credi. The available credit they left me with will not cover the monthly interest charge. When interest is applied, I would immediately be over my credit limit and subject to over limit fees. Leaving so little available credit while knowing it the application of monthly interest charges will put me over my limit is predatory behavior. This is the second occurrence of a drastic limit reduction that would put me in danger of exceeding my credit limit. These are not the actions of a bank acting in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}
Product: Checking or savings account

The essence of my complaint is that my CONFIDENTIAL account information was provided by PACIFIC PREMIER BANK to an outside, unrelated third party which caused a deposit of funds into my account that were not mine. 

Following this, the problems ensued trying to return the money to the rightful owner, which rather than facilitate the return, Pacific Premier Bank made the situation worse and delayed the return of funds for nearly one month. During this time, Pacific Premier Bank froze my business banking checking account and prevented access to my funds. 

This was compounded by the gross negligence of illegally freezing my account for three weeks! 

After this experience, I moved to a different bank and incurred costs for the change to a less desirable bank that is further from me. In addition, I incurred {$1300.00} of costs ( {$1000.00} legal expenses ) to resolve this matter.
Product: Credit reporting or other personal consumer reports

I received a letter from rent recovery attempting to collect a debt. I requested that the information be verified and was confirm that the debt was valid. Upon further investigation I discovered I was being violated due to incorrect reporting and unfair debt collection practices. I sent the letter from XXXX XXXX back showing violations, along with an affidavit of fact, a letter stating my claim and resolution along with an invoice for the aforementioned violations. The letter I sent has been confirmed as delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.