23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Carmax Auto Finance handling of a charged-off account ( Account XXXX XXXX  ). This account reflects a charge-off amount of {$26000.00}, which has been reported as income to the IRS, according to IRS Publication 4681. However, Carmax Auto Finance has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected. 

Carmax Auto Finance asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, Carmax Auto Finance is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards. 

I am requesting the following actions : Immediate Removal of Charge-Off Reporting : If Carmax Auto Finance is actively collecting on this account, it should no longer be reported as a charge-off to either credit bureaus or the IRS. 

Investigation of Potential Fraudulent Practices : I believe Carmax Auto Finance actionsreporting this debt to the IRS while still attempting collectionmay constitute fraud under Publication 4681 guidelines. 

Clear Documentation or Issuance of 1099-C : If Carmax Auto Finance does indeed consider this debt discharged, they must issue a Form 1099-C promptly to reflect it correctly.

Additionally, I am contacting the IRS regarding this matter to request a thorough investigation into Carmax Auto Finance practices of potentially misrepresenting discharged debts as ongoing charge-offs while also declaring them as income to the IRS. 

I urge the CFPB to escalate this matter for immediate review to ensure Carmax Auto Finance complies with all applicable laws and regulations. Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint XXXX Cash App ( Block, Inc. ) e to in.

de qua Mustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically ; Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

0 : 3Zurthermore. thir dispute resolu? 43ress a KY was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have contacted the servicer several times dating back several years. This issue should have been resolved long time ago. 

Each time I contact them, they are telling me the correct institution is reported on the loans. I have logged into the portal and the correct institution is not reported. 

Because the correct institution is a " for-profit '' university, it may safe to say the loans would be forgiven. The government has forgiven loans from this university. I am not sure why the servicer is stating they can see the correct institution and I can not see it. 

I believe someone is trying to prevent the loan from being forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that CS rep failed to do her job and also told me since the debt was paid off the account would be removed
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX  - {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - {$830.00} XXXX XXXX - XXXX - {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$43000.00} XXXX XXXX XXXXXXXX - {$2100.00} XXXX XXXX XXXXXX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX XXXXXXXX account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my Experian credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.
Product: Mortgage

I have been trying to get assistance from my mortgage company for months to a year now. I am just trying to get my mortgage caught up, so I can start paying again. I fell behind due to loss in income. Every time I send in the items they ask for, they turn around and ask for more items. I sent in the final list of items they needed on  XX/XX/year>. We called back and there was nothing needed. 

Next thing I know they are asking me for a HAND WRITTEN document and all of the same items again.

XXXX days later, a man showed up at my doorstep stating there was a sale date for XX/XX/year>. 

I have every fax and email confirmation that has been sent to New American Funding. They just keep asking me for new things every time I send them what they need and then they assessed a sale date after I have done EVERYTHING they have asked me to do.

I am attaching the documents to this complaint again for review in hopes to stop this impending sale date.

All I am asking for is them to review this correctly. I am ready to resume making my payments again, I just need help getting caught up.
Product: Credit reporting or other personal consumer reports

This is what I sent Equifax : I am writing to formally dispute the accuracy of the information currently being reported on my credit report. I am a real person not a Bot or a credit repair agency. Specifically, I am contesting the late payment notation for XX/XX/2018, which is reported as " 90 days late. '' I firmly believe that this information is inaccurate and should be deleted from my credit report. 
The reason for my dispute is that there are no prior late payments of 30 days or 60 days preceding the alleged 90 days late payment in XX/XX/2018. It is important to emphasize that my payment history has consistently been in good standing, and this isolated 90 days late entry is an anomaly that does not accurately reflect my credit history. 
INACCURATE ITEMS IN DISPUTE : FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. 


FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. 


FED LOAN SERVICING ACCOUNT # DISPUTING : MISSING 30 DAY LATE PAYMENT AND 60 DAY LATE PAYMENT HISTORY ON EQUIFAX CREDIT REPORT DELETE this account for inaccuracy because this late payment on XX/XX/2018 says 90 days late is reporting inaccurate because there are no prior 30 day or 60 day late payments prior to this 90 day late payment. Please DELETE this inaccurate account. 


In accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and verifiable information on my credit report. The presence of this inaccurate late payment notation negatively affects my creditworthiness and could have serious consequences for my financial well-being. Therefore, I kindly request that you investigate this matter thoroughly and promptly delete the erroneous late payment entry from my credit report. 
Please conduct a comprehensive review of my credit report and take the necessary steps to correct this inaccuracy. I kindly request that you provide me with written confirmation of the resolution of this dispute, including the removal of the inaccurate information from my credit report, within the legally mandated time frame. I understand that you have a legal obligation to investigate and address disputes in a timely manner, and I appreciate your prompt attention to this matter. 


Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 

Enclosures : Official Equifax Credit Report ( Showing The Inaccuracy HIGHLIGHTED ) Current Florida Driver License BILL SHOWING MY CURRENT ADDRESS : U.S. DEPARTMENT OF EDUCATION
Product: Payday loan, title loan, personal loan, or advance loan

I went online to make full payment on XX/XX/year> around XXXXXXXX XXXX ET. The online system would not allow me to make payment. The online payment will allow me to make the full payment. Due to complications, I contacted citi by phone. 

I called in to make full payment. The representative would only allow a certain amount to be paid over the phone. I then would have to pay the remaining balance on the next day. 

I requested an adjustment be made as I could not make full payment over the phone nor could I go online to make full payment due to citi card system outage they were having online.
Product: Debt collection

Original Creditor is XXXX XXXX located at XXXX XXXX XXXX in XXXX, FL the Collection agency is XXXX XXXX stating I owe {$1300.00}, I am disputing this company because I left the apartment due to flees and the Apartment building didn't wish to have apartment exterminated after I had ask them on several occasion. I never received my deposit as well.
Product: Money transfer, virtual currency, or money service

I went to send my friends wife money for work she had done for my family via paypal. i did this on XX/XX/2018. It was {$4500.00} The paypal email she told me over the phone was correct, but i typed in the number 4 instead of the word for as she did not specifically tell me that. The money got transfered to the wrong paypal account and the user accepted it. Now that user has not answered my emails about refunding my payment. I opened a case with paypal the same day i made the transfer as we later realized it was the wrong account. and they closed it after a few days saying they did not see anything wrong with my account. Paypal makes it impossible to cancel an incorrect transaction or properly confirm emails of who you are sending payments to. The customer service reps on the phone at paypal were absolutely useless in my case, they assured me I would get my money back and i have not. I am extremly annoyed because this is a lot of money. If it had been {$20.00} i would not care, but its over {$4000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : 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: Checking or savings account

On XX/XX/XXXX, my wallet was stolen or lost on XX/XX/XXXX. There was an account open in my name with all of my demographic information on XX/XX/XXXX. I discovered this information and contacted the bank and they informed me that there was an account opened in my name on the XXXX on XX/XX/XXXX. I was had gotten an email blast that the account was overdrawn XXXX {$840.00} on that date. I also called the bank and inquired about whether I would be responsible for that and they informed me that since I let them know that there was possible identity death that day I would not be responsible for those XXXX XX/XX/XXXX. I also attempted to call all the credit bureaus and let them know about this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent 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: Mortgage

It is a RESPA VIOLATION to give or receive a thing of value for referring business between lenders and Realtors. XXXX SC is a cesspool of people like Prime Lending buying business at the expense of clients. 

From XXXX-XXXX on Tuesday X/XX/2017, Prime Lending is having a party with an open bar to thank their referral partners for business in XXXX SC.
Product: Debt collection

Disputed with XXXX and it says it's my account but I never lived in the area that the credit was open the address is not my address I have never lived anywhere but my home address nor have I ever Owen the phone number attached to account
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 card or prepaid card

In XXXX of 2021 Kohls put a late payment on my account. This was a payment processing issue on Kohls end and was confirmed by three employees from Kohls and management when I called in. One of the employees even disputed the late payment for me because she said it was Kohls fault. The employee went out of her way to dispute after management was talked to and got management approval to do so due to Kohls taking ownership of the payment processing issue. The issue is showing on all three bureaus and has greatly lowered my score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block Inc ) due to inadequate customer services and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. 

On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. 

I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.
Product: Debt collection

On XX/XX/2022 I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( parent company XXXX XXXX XXXX. ) to seek diagnosis and treatment for XXXX XXXX symptoms. I filled out two intake forms, one electronic and one paper where I highlighted that Im experiencing XXXX symptoms. 

I am then told by the receptionist to step outside and schedule a XXXX  call with the doctor for health precautions. During this 30 second call, the doctor informs me that the center does not test or treat for XXXX so they wont be able to help me. I left the center with the expectation that since no service was provided, I will not be billed. Surely, the receptionist should have simply informed me that the center does not treat XXXX upon reading my intake form hence not required that I take the XXXX call. To my surprise, I received a letter in the mail a few weeks later from them stating I owe them {$110.00} for the 30 second XXXX call. 

I called them to inform them that this was an erroneous bill since no service was rendered however the hospital dismissed my claim and insisted I pay through their repeated billing mails. 

After months of repeated billing mail, they decided to escalate collection of this predatory bill to debt collection agency, Kinum. To my suprise, Kinum is now adding interest on the bill amount to further intimidate me into paying this predatory bill. I am writing to the CFPB requesting cancellation of this bill because of predatory billing practices from XXXX XXXX XXXX. as well as predatory debt collection practices from Kinum.
Product: Debt collection

East Point Recovery called me one time and then about an hour later I received a call from my father. He had told me that they called my mother, told her all about the debt and then emailed a settlement offer to my dad. Neither of my parents are on my finances and I am an adult. There is no reason why any of that information was shared with my parents. 
It appears that I had an account that was set up for automatic payments and when my bank card expired I defaulted on payments. I wasn't even aware that this had happened. However, I have no issue with paying the debt that I owe. What I do have an issue with, is the company 's ' practices of sharing personal information with not just one but both of my parents. The agent even mentioned my credit history to my mother. I have proof of the exchange from multiple notes and numbers taken by my mother and then the actual email that was sent to my father 's work email. This is none of my parents business and put me in a difficult place and uncomfortable position with my parents. This is completely inappropriate way to handle business as I was mortified when I received the phone call from my dad. I emailed the person back who sent the settlement offer and never got a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. This dispute is in response to XXXX XXXX XXXX 
I have a fraudulent account on my credit report that's reporting, and the 3 bureaus wont remove it. I have disputed this account over 5 times with each bureau. The account was opened in XX/XX/2018 around the same time I lost my wallet. I have contacted the creditor also. And they won't delete it. Why am I being punished for a charge off account that I never had? I even sent a police report to the 3 bureaus letting them know I lost my wallet and had a fraudulent account on my credit report. I am suffering during these times because of that unknown charge off account. It's hurting my ability to purchase a home. I have never defaulted on anything. I have perfect payment history. No collections. Why would I default on a XXXX dollar loan? This just doesn't make sense to me. I refuse to pay for something that isn't mine. I need this removed. 

XXXX  World Finance Co  # XXXX. XXXX # XXXX. DATE XX/XX/18. BAL {$310.00} XXXX WFC. Acc # XXXX DATE XX/XX/18. BAL {$310.00} XXXX World Finance Co. Acc # XXXX DATE XX/XX/18. BAL {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. It was recommended to me that if something did not seem right on my credit report, that I should send letters to the credit bureaus for them to fix any of my issues. So, I proceed to send a letter to TransUnion on XX/XX/2020 to place disputes on anything that seems to be inaccurate on my credit report. 
I received a response back that the alleged bankruptcy was verified as accurate. Since TransUnion, did not remove the incorrect information, I then again sent them letters dated XX/XX/2020 and XX/XX/2020. I never received a response from TransUnion. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked TransUnion for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from TransUnion. They have failed to comply with the FCRA. 
Attached are all documents regarding my complaint against TransUnion. 
I ask that TransUnion complies to the Fair Credit Reporting Act and removes the item Chapter 7 Bankruptcy case number XXXX from my credit report.