23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX ( XXXX ) owns my loan and until XXXX was also the servicer. On XXXX XXXX transferred servicing to Loan Care. 

In XX/XX/XXXX, I started a refinance with XXXX. XXXX requested a payoff amount from XXXX. XXXX made a timely payoff to XXXX. 

XXXX nor LoanCare timely credited the payoff. In fact, I couldn't even access my account information with LoanCare until XX/XX/XXXX. On XX/XX/XXXX LoanCare took a XXXX payment out of my bank account even though the loan should have been paid off. On XX/XX/XXXX LoanCare also finally recognized the Payoff payment, in the amount of {$290000.00}. HOWEVER, they also added a fee of {$700.00} labeled " ForeclosurePartialRepayPrinBal '' even though the Payoff was timely made, and even if it had not been, my auto-pay should have been pulled on XXXX resulting in NO fees or extra monies due. 

On XX/XX/XXXX I attempted to call LoanCare at the phone number listed once I logged into my account. This phone number leads to an automated system with NO OPTION TO SPEAK TO A HUMAN. 

I believe that LoanCare owes me a full refund of the {$2200.00} they pulled from my bank account + all of my remaining escrow + any overpayment from the {$290000.00}. Plus, they need to remove the " ForeclosurePartialRepayPrinBal '' fee from my account.

Thank you for any help you can provide.
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Experian in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In XX/XX/year> I reached out to Experian to investigate the matter. After 30 days i received rests from the dispute but nothing was changed after saying the accounts was updated and verified, I compared my report from the prior months and noticed nothing had been updated, which is a violations of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts at question was fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, there job is to make sure accuracy reflects on a consumer reports and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being no compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to this Data Furnishers and how they are in clear violations of the what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquires and accounts be Deleted.
Product: Vehicle loan or lease

I bought a used  XXXX   XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in  XXXX   XXXX , AL in  XXXX . The loan was financed wit h Ally Financial. I purchase d a mechanical warranty through  XXXX   XXXX  which was financed in my loan. The warranty was a lifetime warranty that covered bumper to bumper. I had all of the service and maintenance done at  XXXX   XXXX  from oil c hanges to tire rotation/balance to brake jobs. I recently had problems where the check engine light came on about 3 weeks ago and took the car into the dealership to be repaired. The vehicle was diagno sed as needing a water pump but it was not covered under the warranty because of the lack of maintenance which is false. I ended up spending over {$1000.00} for the repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have been violating my rights for 120 days now by reporting these accounts to my Credit reports : XXXX XXXX XXXX  SS Account # XXXX, XXXX XXXXXXXX XXXX SS Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX. 
I Have attached my credit report to show you that the credit bureaus aren't following guidelines to report this account to my credit reports. And I know they aren't doing this because they have updated these accounts as verified over 4 times with XXXX and Equifax after the furnisher deleted the accounts on with transunion. XXXX and Equifax are reporting thisfraudulentaccount unfairly and is affecting my life very negatively because I can not get a vehicle in my name and I have been homeless for two months now. I have lost countless jobs due to inconsistent transportation. XXXX and Equifax are violating my FCRA rights by keeping these accounts posted on my credit reports. The law states in 15 US code 1681 Section 2 ( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 US Code 611 ( a ) 15 USC S 1681i demands a proper investigation of my dispute request and the bureaus have yet to do a proper investigation that doesn't involve XXXX XXXX or any automatic processes. 
I know this because My previousdisputes totransunionregarding these accounts has resulted in deletions because they successfully complied and didn't violate my rights. 
Attached is my credit report, I have highlighted the accounts along with every violation that they have committed. I Have sent all of the letters attached to the credit bureaus on each date that is on each letter, it shows that the credit bureau are not following they're own laws that they must abide by. Thank you. 


Regards,
Product: Credit card or prepaid card

XXXX - XXXX XXXX- {$6000.00} The above charge was found on my credit card after an audit. I reported this charge to XXXX XXXX XXXX XXXX as soon as I found it. I've reached out to the merchant, and have not received any response. After reporting this charge I received a letter from XXXX declining my claim for fraud, stating that I had made payments on my credit card with my debit card, so it was not fraud. I don't understand how I am being penalized for paying my credit card on time, as I always do. I called back to explain to the representative that this is unacceptable and I need a resolution. I noticed this charge after I had an audit, which is why I continued to pay my credit card on time, they claimed to understand where I was coming from. I re-opened the fraud investigation, only to receive the same letter denying my claim, due to me paying. I spent hours on the phone, not on one occasion, but two and nothing has been resolved.
Product: Checking or savings account

I maid a payment to a credit card company, for XXXX XXXXXXXXthe payment was returned to wells fargo bank XXXX and the refused to give me my money back..I have proff that I made the payment, but wells fargo deleted the payment from my checking account, and my wells fargo bill payment, statement!!! .I reported this information to the XXXX  police department XXXX while the case was being investergated, by the police depart, the police department investergators allowed well fargo to go into my chenking account ending XXXX and the allowed wells fargo to back into my account, and post two payments back in XX/XX/XXXX for {$790000.00} and ater they sent the statement to the police department they delited those, I can prove that all these transaction, was done while the cased was investergated. i want to file this complaint aganst wells fargo and the XXXX police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I learned of the Equifax data breach. Not from them directly but from a news service I subscribe to. When I checked the website provided ( https : //www.equifaxsecurity2017.com/ ) I  learned that Equifax believed my data had been among the millions stolen. It was suggested I sign up for one year of free credit monitoring and would need to do so on XX/XX/XXXX. I was not going to be sent a reminder and if I missed my assigned date I would not qualify. After much research I decided my best course of action was to Freeze my credit on Equifax, XXXX, and XXXX. The best I was able to accomplish was 90-Day Fraud Alert with XXXX. I am furious that a company that took it upon itself to make a profit by collecting and maintaining credit data about me WITHOUT my approval was not able to protect that data.The phone numbers provided by Equifax ( and the online Freeze/Unfreeze form ) would take all my information and then inform me it was unable to process the Freeze. Then only provided by phone the mailing address I could submit my request to, read so fast that after 3 repeats I  gave up trying to write the information down.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal dispute and demand for action regarding the reporting of an alleged charge-off account by your company Total Visa on my credit report. The account is listed as a charge-off as of XX/XX/year>, yet the balance in question is under {$600.00}, and no 1099-C has been issued to denote debt forgiveness for tax purposes.

Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough investigation of this account and immediate remediation of inaccurate or incomplete reporting. 

Legal Issues and Requests Debt Validation Under FDCPA : Provide me with validation of this debt, including the original signed contract that evidences my agreement to the alleged debt and any assignment contract demonstrating your authority to report and collect on this debt.

Failure to provide these documents will constitute a violation of the FDCPA and confirm the debt as unverifiable, necessitating the removal of this account from my credit report.

Incorrect Reporting and Lack of 1099-C Issuance : As per IRS guidelines , creditors must issue a Form 1099-C for canceled or discharged debts of {$600.00} or more. If this debt has not been forgiven, you must substantiate the charge-off status with complete records. If the debt was forgiven, provide the 1099-C immediately.

Continuing to report this account as charged-off while failing to issue a 1099-C misrepresents the account status and violates the FCRAs accuracy requirements under 15 U.S.C. 1681s-2. 
Procedures for Accuracy : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), you are required to describe the procedures used to verify the accuracy and completeness of this information. Provide this description within 15 days of completing your investigation. 
Demands I demand the following : Validation of the alleged debt, including the original signed agreement and any assignment of ownership rights. 
Immediate issuance of a Form 1099-C if the debt has been forgiven or proof that the debt remains valid and collectible.

Immediate correction of my credit report to reflect " PAID IN FULL/AS AGREED '' or complete removal of this account.

Failure to comply with this demand will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. I also reserve the right to pursue legal remedies for violations of the FCRA and FDCPA, which may include statutory and punitive damages.

This issue is of critical importance as it continues to harm my financial standing and creditworthiness, impeding my ability to secure basic financial opportunities. I expect your prompt response and resolution within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Around XXXX. Wells Fargo had a collection representative called me and about late payments. At the time I did not have the money to immediately pay my car loan ( with Wells Fargo ). I stated I was unable to pay repeatedly to the Wells Fargo collection representative. They illegally debited my checking account ( Wells Fargo ) in the amount of {$800.00} without my permission immediately after the call. 

This organization is unethical and sick. I closed me account shortly after this event and will never bank with them again.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishings, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax 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 Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

On XX/XX/XXXX, CarMax Auto Finance responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$28000.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$28000.00} } for account number # XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Product: Payday loan, title loan, personal loan, or advance loan

This is an account that I open over a year ago. Recently the company sent me a settled offer on the account to close the account in good faith. I was told the account would be closed within XXXX days of making the settlement offer. I made the payment on XXXX XXXX for {$1000.00}. The creditor is still reporting the account as open but past due. As of today I received notice of charge of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX  XXXX # XXXX. 

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 an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Debt collection

XX/XX/2020 Receivable Management has applied a debt owed on my Credit Report. I have ask for verification, Validation and not bill. On XX/XX/2020 they have notified me stating they will remove the debt from my Credit Report. The reference # XXXX, Im requesting this go effect immediately, because it is damaging my Credit.
Product: Mortgage

I asked for an appraisal theyre refusing to give me an appraisal, and I found paperwork and their rules and regulations that say Im allowed to get an appraisal to pay off my grandmas reverse mortgage
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX I'm asking to provide the following info 1.name and address of original creditor?

2.amount of debt?

3.proof your agency has right to collect debt 4.any judgements 5.proof the debt hasn't passed statue of limitations 6.also the FFA ( forward flow agreement )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Jefferson Capital Systems notified me of a debt of {$990.00} and XXXX XXXX XXXX notified me of a debt of {$860.00} on XX/XX/2019, that I am not responsible for. These collections are reporting in error at the credit bureaus. 

I have requested validation of : Original wet ink original signature contracts, Validation of Georgia license to collect, registered agent info, validation of contract with Jefferson Capital Systems and  XXXX XXXX XXXX. No Such validations have been performed. 

These companies are in violation of my rights as a consumer. Request all collections be deleted and removed from all credit reporting agencies immediately.
Product: Credit card

I received a notice through the CFPB regarding the XXXX and XXXX late notices on my credit report last month. Apple Card reversed the XXXX and XXXX late notices in my Apple account XXXX but has failed to notify the credit bureaus. 

Over the last month, I have made several attempts to resolve this issue with Apple after receiving the notice through the CFPB. 

The late notices were a communication failure of the Apple Card representatives. The representatives told me several times that there would be no late reports to the credit bureaus from XXXX through XXXX. I have the recordings of my conversations with the representatives. 

This misinformation led to XXXX and XXXX late notices to the credit bureaus. 

Please remind Apple that the XXXX point loss on my credit reports is damaging my business and personal financial life.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act Request under 611 ( a ) ( XXXX ), failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}
Product: Credit card

The company kept charging me interest rates on an account that was closed, I talked to customer service and asked them why I was being charged, and all they could say was that it's an account and it has to be charged the extra fees.
Product: Credit card or prepaid card

On XX/XX/2022 I received a text from my credit card company alerting me to fraud. I immediately logged onto my account and saw several charges dating XXXX. I then called the fraud department for Genesis FS Card Services ( Indigo Credit Card ) and told them that these charges were no authorized by me and I had no idea who the companies were that charged my card and needed to get a new card number and dispute the charges as fraud. To this date the dispute has still not been resolved and I have had to call the credit card company twice a month. It has been almost 5 months of this. I have not received a case number, I have not received any letters or notifications acknowledging the complaint and it has been longer that 90 days. I have called Indigo Credit Card ( Genesis Bank ) on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022.
Product: Credit reporting or other personal consumer reports

We have a VA mortgage that is serviced by Pennymac and have had this loan since XXXX. 
Pennymac ( PM ) is reporting us 120 days late. We entered into a Covid-19 forbearance program in XX/XX/XXXX due to a job and health emergency. In XX/XX/XXXX we connected with a VA advocate through the VA and he worked directly with PennyMac on our behalf. In XX/XX/XXXX, we resumed our monthly payments but PM kept us in forbearance pending the VA Modification plan that was pending approval and had been extended in the XXXX XXXX. We only found out recently that our payments made XXXX were allocated to the mortgage payments due during forbearance ( Starting with XX/XX/XXXX ). Our understanding was that the forbearance period was " grouped '' together pending the modification terms. We were sent a letter on XX/XX/XXXX, " In accordance with the requirements of the Fair Credit Reporting ... .. we will report your loan current and in a Forbearance plan to the credit reporting agencies. '' The letter dated XX/XX/XXXX offered us a loan modification program. This letter did not state that if we entered into the program, PM would report that we were delinquent on our mortgage ( due to the application of payments made ). We were approved for the modification and notified by aletter dated XX/XX/XXXX, which was not received until after the first payment under the loan modification plan was tendered. It wasn't until after our first payment under the program that we were told PM would, " continue to report the delinquency status of your loan to credit reporting agencies ... '' Had we been properly notified and made aware, we may have chosen a different method to bring the account current ( i.e 401k, personal loan, etc ) During our hardship, we worked diligently to maintain our credit and pay our liabilities so this report of 120 days late was a shock to us. We have engaged a lawyer who has written a letter to PM, filed a complaint with TN department of consumer affairs and the TN department of XXXX but there has been no further change from PM. We have completed the trial modification plan but PM continues to report the account as late even though we have paid in accordance with the plan.
Product: Debt collection

Company named under credit management sent us a letter asking for money.. When contacted them they tried to get more personal information without any explanation who they are also with foreign accent