23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My name is XXXX XXXX this complaint is in regards to vehicle titled under CarMax Auto Finance under VIN # XXXX. CarMax Auto Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in CarMax Auto FINANCE automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. CarMax Auto Finance are now breaking the law and could be held criminally and civilly liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to CarMax Auto Finance 's address.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Improper Reporting by Discover Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper reporting of an account on my credit report by Discover. The inaccurate information reported by Discover has negatively impacted my credit score and financial standing, and I believe it violates the provisions of the Fair Credit Reporting Act ( FCRA ). I request your intervention in resolving this issue and ensuring that the improper reporting is corrected or removed from my credit report. 

Fair Credit Reporting Act ( FCRA ) Violation : Discover 's improper reporting of the account violates the FCRA, which requires accurate and fair reporting of consumer credit information. The inaccurate reporting has adversely affected my creditworthiness and financial standing. 

Fair Debt Collection Practices Act ( FDCPA ) Violation ( if applicable ) : If the improper reporting involves debt collection practices, it may also be in violation of the FDCPA, which prohibits unfair or deceptive debt collection practices. 


Thank you for your time and assistance in resolving this important issue. 

Sincerely, XXXX XXXX
Product: Mortgage

The service provider of my mortgage, Bayview Loan Servicing, wanted to initiate a modification of my loan conditions based in a Hazard Insurance policy added to my loan for an amount of XXXX XXXX/month. Bayview said that it was included to my mortgage due to the lack of answer from my Homeowner Associations to their proof of hazard insurance request. 

Once after Bayview acknowledged that they received the corresponding proof of Hazard Insurance from my Homeowners Association ; Bayview decided to remove the mentioned fee as per Bayview letters attached to my previous CFPB complaint # XXXX of XXXX XXXX XXXX. 

My loan was modified and signed by Bayview 3 years ago and adjusted to my XXXX XXXX income that to present has not changed and is still for the same amount. I can not accept Bayviews new loan modification proposal without a legal ground or proper reason. Bayview XXXX wants to increase my monthly payments progressively, change my mortgage interest rate from fixed to variable, and extend the number of payments from XXXX to XXXX making the current mortgage period from 24 to 33 years. 

Because I have not accepted these changes, Bayview has filed a foreclosure request on XXXX XXXX XXXX, and suspended it on XXXX XXXX XXXX. This seems to a way of intimidation and harassment. 

Frivolous foreclosure grounds : Bayview has filed a frivolous foreclosure on the XXXX XXXX XXXX district ( ( Foreclosure case # XXXX ) against my home using the false statement that I have not paid my bills since XXXX XXXX as a mean of pressure against me because of my denial to accept their modification proposal. Making a foreclosure of a home is a very serious matter. They should have started by asking me for proof of my payments instead. 

I am current on my mortgage payments to them as shown on my Bank statements sent to Bayview through CFPB on XXXX XXXX XXXX ( complaint # XXXX ), but even after receiving my proof of payment, XXXX hasnt closed the foreclosure case. 

Bayview has returned my XXXX XXXX mortgage payment to my Bank 4 times, and just returned my XXXX XXXX payment too, Bayview stayed in its answer to CFPB that they are unable to accept my payments because my home is in suspended foreclosure dated XXXX XXXX XXXX. Their foreclosure was based on the false allegation of lack of payment and I consider it falls into the range of frivolous foreclosure. 

I therefore request this foreclosure case to be closed in the next days, or I will be forced to start a demand according to Fla.Stat. sec. 57.105 to dismiss frivolous foreclosure action with prejudice. This situation is really affecting my health negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a natural person, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 Any other adverse item 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

Dear CFPB, I am writing to file a complaint against Calvary Portfolio Services for inaccurately reporting a collection account of {$1300.00} from XXXX on my credit report. 

I am a current XXXX customer with multiple accounts in good standing, and none of them have ever been in collections. I have already disputed this collection directly with the credit bureaus. However, I am contacting you now to request further assistance in resolving this matter definitively. It's possible this error is due to a mistaken identity with someone having a similar name. 

Thank you for your attention to this complaint. 

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

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' THIS IS MY SECOND DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND I AM FURTHER BEING VICTIMIZED BECAUSE THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX.REMOVE THESE FRAUDULENT ACCOUNTS AND KEEP THEM OFF
Product: Credit card

Citi decided to terminate my checking account in 2023. While doing so, they blocked my online access to my Citi credit card accounts as well. When I call them, Citi representatives helped me register new online access, but within minutes the new access got blocked by Citi. This already happened 3 times. 

Citi also cancelled paperless services for my credit card, without asking for my consent.
Product: Credit reporting or other personal consumer reports

My student loan through XXXX was XXXX through the XXXX XXXX XXXX XXXX program. It has a balance of {$0.00} and is closed. This information has been reported to Equifax by XXXX yet they still report the loan as having the full balance. I have filed a dispute with Equifax three times but they refuse to update the balance to {$0.00} even though they have documentation from me and from XXXX that {$0.00} is the balance on the account.
Product: Credit reporting or other personal consumer reports

I have several addresses and inquiries reporting on my credit report, i've never inquired about nor authorized. 
Several Accounts listed are not mine and are a result of identity theft. Ive filed an FTC report on the matter and have requested proof that such debt is linked to me or authorized by me. XXXX has failed to give such proof. 
Ive also never authorized any company to sell my information. 
I have mailed out dispute letters and have not received any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks
Product: Credit card or prepaid card

I have been in USA two times as XXXX XXXX  ( XXXX XXXX and XXXX XXXX   ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XXXX XXXX.The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip I opened a Wells Fargo checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to Wells Fargo bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureaus. I was shocked because I haver never apply for any credit lines/loans/credit cards in Unites States till XX/XX/XXXX. After a few months I found out information about credit reports/score/credit history. I login to XXXX/XXXX/XXXX  and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt had a visa to USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about USA. So, this complain is about WFFNATBANK account which was open ( according to credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ .I have never apply for WFFNATBAN credit card/never received. credit cards. I physically lived in XXXXit 's no way for me to used this card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems. 

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 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 Any other adverse item 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the placement of a Commercial Fraud Alert on my credit report & Removal concerning XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. This request stems from fraudulent activity, contract irregularities, and continued violations of federal consumer protection laws associated with my account. Below, I outline the key issues and provide supporting evidence for your investigation. 

Details of the Issue 1. Payments Never Late : All payments on this account were made on time, and I never defaulted on my obligations. 
2. Failure to Validate Debt : On XX/XX/year>, I submitted a formal request under the Fair Debt Collection Practices Act ( FDCPA ) for a Debt Validation and issued a Cease and Desist letter. During a conversation with an XXXX agent named XXXX, I was informed that payments would be ceased until the debt could be validated. Despite this, XXXX later sent a letter reflecting a debt amount of {$0.00} and claimed they are not debt collectors. Nevertheless, they continue to send billing statements, raising serious concerns about the legitimacy of the debt and the identity of the actual creditor. 
3. Violation of Cease and Desist Request : XXXX knowingly disregarded my Cease and Desist request by continuing to send bills and correspondence despite acknowledging that the debt amount was {$0.00}. 
4. Erroneous Contracts and Misleading Representations : The contracts associated with this transaction contain significant errors, including references to a third-party entity that was not part of the original contract. In their response to my CFPB complaint on XX/XX/year>, XXXX stated : XXXX dealerships are independently owned and operated, and XXXX has an arms-length relationship with them. The customer should contact XXXX to express their complaint about the dealership. XXXX will stop sending the customer written or oral communications, other than those that are legally required. The credit application, the contract, and payment history were sent to the customer. 
This admission further underscores the irregularities and lack of clarity regarding the true parties to this agreement. 
5. Continued Billing and Credit Reporting : Despite XXXX  response and acknowledgment of their arms-length relationship with the dealership, they continue to send billing statements and mark my credit report for late payments, which is in violation of federal consumer protection laws. 
6. Refund Due for Payments Made : Given XXXX  failure to validate the debt and their own letter reflecting a {$0.00} balance, I am entitled to a refund for all payments made on this disputed debt. 

Supporting Documentation XXXX  response to my CFPB complaint, dated XX/XX/year>, acknowledging their arms-length relationship with the dealership and including the credit application, contract, and payment history. 
A copy of XXXX  letter reflecting a {$0.00} debt amount. 
Proof of payments made to XXXX despite their failure to validate the debt. 
Evidence of XXXX continuing to send billing statements and marking my credit report for late payments despite the lack of validation.
Product: Mortgage

I purchased a mobile home in XXXX for {$40000.00}. I put down {$10000.00} and financing {$30000.00}. This was financed with Green Tree and they have since changed their name to Ditech Financial but it is the same company. 
On XXXX XXXX, XXXX, I will have been paying this mortgage for 20 years. The company now says I still have a balance of over {$16000.00}. 
I requested an amortization and according to this document, most of my payments have gone to interest with zero going toward the principal. When I questioned Ditech, I was told it was because of simple interest which is crazy because I should still have principal payments and not zero. 
According to my calculations, I have paid over {$80000.00} on a {$30000.00} loan. Ditech has sent me a letter stating that I owe over {$22000.00} on this {$30000.00} loan that I have paid on for 20 years. 
So for the past 20 years, this company has only applied {$8000.00} to the principal which is just crazy. 
I need help. I have contacted them and offered a settlement offer of {$3000.00} along with a hardship letter as I am now living on a limited income of {$850.00} per month. They have turned down my offer and asked for {$7000.00} and I have counter offered {$5000.00} but I feel that I have paid them enough. 
They have called me asking when I am going to vacate my home and I told them I wo n't leave. 
Please help.
Product: Credit reporting or other personal consumer reports

There was not way of method of verification on any account listed. I request : or delete XXXX. Chain of XXXX : on every account listed XXXX. Itemized account history of each account listed on report XXXX Credit Entry
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

I have had this Medical Collection reporting to my Equifax credit report for some time now with no success getting it removed. I have made several attempts for validation of debt with no response. 

The balance {$670.00} Date opened : XX/XX/2016
Product: Checking or savings account

XX/XX/XXXX filed CFPB complaint XXXX, was responded to on XX/XX/XXXXXXXX  with explanation " Capital One has made the decision to deny these claims due to we are not able to locate these transactions in our system. We recommend checking with the sender of the funds to confirm they sent it to the right routing number and account number. To be able to look any further into these transactions we would need the 15-digit trace number from the sender of the funds to try and locate the transactions. XXXX These were not disputes but missing direct deposits. I contacted XXXX on XX/XX/XXXXXXXX  ( he called back XX/XX/XXXX ) XXXX Ext : ( XXXX ), explained that I DID include the tracing XXXX  XXXX at the bottom of my complaint and he said he overlooked them because he thought they were complaint case XXXX XXXX and that he would reopen the complaint and have it investigated. I have not heard back from him since that call. These were included in my initial complaint with the company before filing CFPB. Still no answer to where the lost funds are. AGAIN routing XXXX  confirmed as Cap1 so funds are somewhere within Cap1, and confirmed with rep at VA unemployment that those are the tracing XXXX  XXXX for each payment sent. They wonttake action until the payments are returned. Company name : XXXX  XXXX XXXX Date, amount, check XXXX XXXX XXXXXX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX Total : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a list of recent Inquiries that I did not personally authorize, I contacted the companies and they are non responsive, credit bureaus has my phone number on fraud protection file for them to contact me before allowing this and they still listed them ... 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Card Inquiry from XX/XX/XXXX + Bank  XXXX Card Inquiry from XXXX XXXX, XXXX + Bank XXXX Card Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank  XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank  XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$3700.00}, {$8700.00}, {$2900.00}, {$8000.00}, {$16000.00}, {$1100.00}, {$5900.00}, {$11000.00}, {$21000.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} XXXX -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.