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

Back in XXXX  I purchased a car from a dealer and the financing company that was used charged me an high interest rate and added somethings I didnt want but was told I had to get. The dealer was XXXX cars in XXXX XXXX And the financing company was Credit Acceptance Corp. And now Im being told because I cant afford the payment they will be repoing the vehicle soon. I believe I was taken advantage of in many ways and that the fees and the percentage rate was outragious. I was made to get an extended warranty that not long after getting the vehicle I had to take it back for bad turbo. And they wouldnt cover bolts or gaskets anything it needed to be put in all together they wanted me to pay out of pocket almost {$700.00}. So it didnt get fixed.
Product: Mortgage

On XX/XX/2022 I purchased a property that will under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. 

My mortgage as well as my escrow are serviced by XXXXLakeview Mortgage Servicing . I have provided XXXXLakeview Mortgage Servicing with Tax Bills, a letter from the Deputy Tax Collector explaining the PILOT program and an additional letter from the Deputy Tax Collector forecasting my future tax bills. 

Unfortunately XXXXLakeview Mortgage Servicing does not acknowledge these communications and continues to bill my escrow at 100 % of the ordinary applicable taxes assessed without considering the abatement. This is increasing my monthly escrow bill significantly for no reason. 

In addition, XXXXLakeview Mortgage Servicing missed paying the property taxes for Q4 2022 incurring a late fee of {$100.00}. This fee has been charged to my escrow account even though I am not the one that missed the payment. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to have this account verified by Midland Credit Management, as required by the Fair Credit Reporting Act ( FCRA ). However, the company has failed to provide adequate verification of this account and has not removed it from my credit report. As a result, this unverified account continues to negatively impact my credit score and financial standing.

I have requested verification from Midland Credit Management, but their response has either been insufficient or non-existent. This failure to comply with the regulations regarding accurate reporting and verification is not only a violation of the FCRA but also continues to harm my credit profile unjustly. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with federal regulations and removes the unverified account from my credit report. I have attached any relevant documentation, including my communication with Midland Credit Management, to support my case. 

Please let me know if you require any additional information or documentation to facilitate your investigation. I appreciate your attention to this matter and look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lied to me they took off my bankruptcy, but still on my report! Other credit bureaus deleted them! Plus Equifax compromise my report.
Product: Student loan

ok back in XXXX i had several loans out then i finally got them all consolidated with fed loan i have talked with fed loan reps and they see the problem and tried to help me but since i had so many seperate loans for being consolidated it was exhausting..so i was finally told about what deferments was because i had lost my job and was unable to pay so i got them and everything was ok i was supposed to every year get another one so i moved to another state and my deferment ran out i didnt recieve a notice or anything about i need to get another one finally my mail caught up with me but by that time i had been without deferment for 90 days quickly fed loan reinstated my deferment with no problem but would not remove my late pmts now since i had so many loans it shows on my credit like 8 missed pmts or maybe 10 all im saying since these loans was consolidated shouldnt i just have one missed pmt of 90 days instead of 8 to 10 which now like with XXXX  XXXX is seriously stopping me from getting a mortage all im asking is why should i have so many missed pmts it degrates my credit with so many missed pmts i acknowledge the missed all im asking is why so many consecutive have to show instead of just one missed pmt of 90 days
Product: Debt collection

Subject : CFPB Complaint Response Dispute of Debt & Request for Deletion Dear CFPB, I am writing in response to the companys reply regarding my complaint. Their response does not resolve the issue and further highlights multiple legal violations, reinforcing my demand for the immediate deletion of this account. 

1. Debt Buyer with No Legal Standing to Collect The company admits to being a debt buyer and not the original creditor. Under FCRA 623 ( 15 U.S.C. 1681s-2 ) and FDCPA 809 ( 15 U.S.C. 1692g ), a debt buyer must provide a valid chain of title proving they have the legal right to collect and report this debt. They have failed to provide : A bill of sale showing a direct assignment of this alleged debt to them A contract with my signature proving my obligation to them as a creditor A signed and dated agreement where I consented to their reporting or collection 2. FCRA & FDCPA Violations Misrepresentation & Unverified Debt FCRA 605B ( 15 U.S.C. 1681c-2 ) They are reporting an account that has not been properly verified with legitimate documentation.

FDCPA 807 ( 15 U.S.C. 1692e ) It is a violation to misrepresent the character, amount, or legal status of a debt. Their response falsely claims an obligation without proper substantiation.

FDCPA 808 ( 15 U.S.C. 1692f ) Attempting to collect an unverified debt is considered an unfair practice under the law.

3. Privacy Violation Unlawful Credit Reporting This company obtained and reported my personal credit information without my consent, violating FCRA 604 ( 15 U.S.C. 1681b ). As I have never had an account or legal agreement with them, they had no permissible purpose to access or report my credit information.

4. Contract is Invalid & Unenforceable Even if an alleged contract exists, debt obligations are not automatically transferable without consumer consent. This company has not proven : That the contract terms allow for assignment to a third party That I was notified and agreed to such assignment That they have a legal right to collect and report this debt Additionally, if this contract was created under Texas law, it may be subject to statutory limitations, making their collection efforts invalid.

Resolution Demanded 1. Immediate deletion of this account from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ). 
XXXX. Removal of any unauthorized inquiries associated with this company. 
3. Cessation of all collection efforts due to their failure to provide proper documentation.

4. Investigation into this companys practices for violating federal laws.

This company has failed to prove legal ownership of this debt, provide proper validation, or show permissible purpose for accessing my credit file. Their reporting and collection actions are unlawful, and this account must be deleted immediately. 

I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am requesting and I would like to submit my complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX BANK XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance {$17000.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX : {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have Midland Credit to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.
Product: Debt collection

Mr. Cooper mortgage/XXXX XXXX formerly Nationstar mortgage. My father is deceased as of XX/XX/XXXX. XXXX XXXX is attempting to collect a debt that they state is owed from mr cooper formerly nationstar. They are attempting to collect a full amount of a home equity line of credit that he owed from XXXX and will not release the lien on the property, they have not sent us a full papertrail as to how this debt is still owed from the time it left principal bank and Mers as to when and how it got to them and owed over the amount XXXX  years later than his line of credit was even for. With the substantial amount of issues we have found in my fathers records and statements and bank statements copies of checks vs their paperwork and actually the loan suddenly reappearing out of nowhere again that there has been mistakes as well as laws broken. We request a full paper trail including any and all notes or correspondence relating to from phone calls between my father and the creditor. The informations does not add up that has been provided vs the information we have. I do not believe the lien to be valid and if this is not handled quickly or an agreed upon settlement reached we will be forced to pursue legal action as to they are causing substantial harm to his descendants who are the beneficiaries to the property.
Product: Payday loan, title loan, or personal loan

I have a Line of Credit or Equity Line on our home that I applied with for at Suntrust. A merger took place and Truist acquired our loan. When making payment online the payment was not processed correctly because Truist did not recognize Suntrust system. So every month I have needed to call in to get payment allocated correctly. I had two parts to my loan and one was revolving and the fixed loan. I tried to pay small loan off and just have fixed loan option and took 3 months to get this done. Now Truist is saying I owe back interest of almost XXXX dollars which is more than my daily perdiem on loan. When I make a payment they keep taking my entire payment and apply all to interest and no principal for two months now. I have paid full amount due which is a XXXX and now they say they can take all my payment and put it to interest which is wrong since fixed term was to be interest and principal with month per diem being about XXXX  monthly. No one takes responsibility or can fix it due to they dont know why. Every time I have been told it was corrected it has not been.
Product: Bank account or service

I made an ATM check deposit of {$24.00} but Chase bank made a mistake and reported it as {$920.00} on XXXX/XXXX/15. They corrected their mistake on XXXX/XXXX/15 2 months later and debited {$900.00} from my account without my knowledge or notice and over drafted my account. I made a car payment online on XXXX/XXXX/15 and XXXX received that payment on XXXX/XXXX/15 before Chase decided to correct their error on XXXX/XXXX/15. Chase then decided to return the payment from XXXX and disregard my car payment that was processed before their adjustment. I think this is illegal and ridiculous that a bank would process a transaction to benefit and correct their mistake. Transactions should happen in chronological order not when Chase feels like honoring and online transaction. They should be responsible for their mistakes and not penalize their consumers for their negligence. My car payment should have been processed because there were sufficient funds in my account at the time the transaction was made. Chase should be responsible for honoring my car payment and take care of any fees assessed to me by XXXX. Transactions should be placed in chronological order.
Product: Credit reporting or other personal consumer reports

I submitted dispute on Equifax credir report ( No. XXXX ) on XX/XX/XXXX, without throught investigation, Equifax refused to correct the dilinquency as date XX/XX/XXXX which was on their incorrect information. " Resolved by Data Furnisher '' and just sent an email to me on XX/XX/XXXX and stated the investigation has completed. Obvioualy Equifax did NOT investigate the dispute but simply used existing report to cover its neglengency. The fact is, XXXX Account XXXX opened in XXXX and I had financial diffiulty to pay started in XX/XX/XXXX and did not pay the payment for more than 6 months. Then XXXX XXXX  put me into a delinquency installment program but did not report the delingquent dates. In fact, I was in deliquency during this period started from XX/XX/XXXX through XXXX, XXXX. Equifax did not conduct a thourough investigation and refused to change the deliquency date to XX/XX/XXXX and the incorrect date still in their report and hurting me. In order to prove their 'data funishier '' s date is correct, they must provide evidence and record showing that I had paid fully and was not in delinquency in this period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to this company for more  than two years. I 've made several request for this company to investigate, re-investigate, requested copies of th eir INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho  ugh TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docu  ments. Nothing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. Experian required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from Experian on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

XXXX and XXXX  indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.
Product: Checking or savings account

I am a XXXX XXXX.. and wells fargo has been troubling me for the last XXXX  years.. I have tried everything in my power to resolve it with them and they keep asking me to call back after XXXX hours. i have done that XXXX times now.. They keep giving me the round about and troubling me. i have XXXX XXXX XXXX and i have no help.. i am visiting my daughter and i would not be back in the country, they keep creating issues for me and their representatives dont know how to talk. Help me access my account. This all started when i tried to do a simple wire transfer because i am travelling and granddaughter is getting married in XXXX  days and i am in a different country with no access to my money
Product: Credit card

The complaint is with Capital One. In several instances in my dealings with them, they did not perform and violated several consumer laws. I had XXXX credit card accounts with them and I contacted them with billing concerns and formally lodged a billing dispute complaint. I sent the first letter to them on XX/XX/XXXX and then again on XX/XX/XXXX. They did not respond to either of the disputes within 30 days as the law states and made no attempts to investigate the matter. My complaints were about 15 USC 1666b and 1666d. They did not abide by these laws in how my account was handled and how they reported my activity. 

After several conversations with the various departments they sitll didnt even acknowledge the fact that I had in good faith submitted billing disputes on both of my accounts. Ultimately they wound up closing both of my accounts citing a violation of the cardholder agreement. They told me that they do not accept the form of payment I sent in. I sent them a registered security to satisfy payment and a security is a lawfull form of payment. When calling them and asking me to send them in writing that they do not accept securities ( commercial paper bonds ) as payment, they hung up on me several times. Finally, after calling back several times, they blatantly told me that they could not send me that information in writing. It was enough of a reason for them to close my accounts but they absolutely would not send me it in writing. My last communication with them was on XXXX, XXXX 2024 at around noon CST, on several recorded lines and this is where they told me they couldn't send me this information in writing. 

The reason why they would not send me the information in writing is because it backs up my stance in the disputes with them and also because they are committing securities fraud and evading paying taxes on the proceeds from those securities. They take their receivables, securitize them in a trust, and then trade them on the primary and secondary markets where they do not have to be registered for a few different reasons. First, they are a foreign limited liability company that doesn't have to register securities and secondly, they get securitized as commercial paper which also does not have to be registered, if they are not registered you can surely believe they are not paying taxes on them. This is the reason they refuse to send me the information I requested in writing. In their purchase, pooling and servicing, security and indenture agreement, it states that they do not and will not engage in any fraudulent practices when it comes to their investors and their handling of securities and then they evade obligation or liability by refusing to provide documentation when requested to an investor who feels that they are being used to commit the fraud.
Product: Credit card

XXXX XXXX, XXXX XXXX unknown bill charged masa up my credit profile
Product: Credit reporting or other personal consumer reports

According to the FCRA and Consumer Protection Act and Privacy act and also IRS publication 4681 IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } XXXX XXXX XXXX XXXX  for the cancelled debt of { {$750.00} } XXXX XXXX XXXX  XXXX XXXX for the cancelled debt of { {$900.00} } XXXX XXXX XXXX XXXX for the cancelled debt of { {$6500.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { XXXX {$600.00} } }. This is unsatisfactoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and EQUIFAX, etc. is not an affiliate of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of XXXX  as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal Pursuant to 5 USC 552a, Pursuant to FCRA, pursuant to 15 USC 6802. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from making adverse reports on a consumer 's credit standing if the consumer disputes an amount or account. However, creditors can report that the account or amount is in dispute. It is illegal for a financial institution to report a consumer 's transaction history without their written consent. This is because Congress has mandated that financial institutions protect the privacy and confidentiality of their customers ' non-public information. For these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX