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

XXXX XXXX XXXX has issued a 1099 c on a Charged Off debt, but the charged off account is not showing a XXXX balance as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX well not fix my credit information the amount and credit limits are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXXXXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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, credit repair services, or other personal consumer reports

I have reached out to Bank of America in regarding to debt validation to no avail. I want to get this account cleared up and reporting accurately on my credit report.
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.

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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Product: Mortgage

my account went into forbearance due to the covid 19 pandemic, and after the forbearance period ended i tried to make payments and additional payments to catch up on my debt the return the monies as overpayment and started foreclosure proceedings.
Product: Credit reporting or other personal consumer reports

I did not authorized any of those companies to run those hard inquiries on my account.
Product: Mortgage

I have just talked to Seterus representative, and asked him the same questions. I understood that he could not provide me with the answer I wanted, except to go through this process. 
1. Question : why I am not qualified to pay property tax myself? I have been simply told that I can't - due to the home Affordable loan period. However, even in the company 's response on page 34, a Q & A page,  which reads : " Do I have to carry an escrow account on my mortgage loan? A : Your loan documents will determine whether you qualify for an escrow account closure. If you feel you qualify and want to request an account closure, please call us at XXXX. '' It seems to me that there is a way to close the escrow account for my loan. I need Seterus to  explain to me how and why I am not qualified to close the escrow, since it has been a problem from day one of this mortgage. I have been asking the same question from XX/XX/XXXX, 4 months passed I still do not have the answer. 
2. I was told again that the escrow account request is again increased this year, and I need to pay more into it, to have the account become prepaid. I do not understand why I have to be requested to prepay tax to the server of the loan, and the amount has been increased more than the tax increase. I felt it is just a way the company tried to punish me since I have chelanged the company. 
3. I am willing to pay the {$1600.00} for XX/XX/XXXX mortgage, according to the schedule that listed in the company 's answer, and additional {$76.00}, which XXXX said is due to the shortage of XX/XX/XXXX and XX/XX/XXXX ' original payments. These extra amount, should go to escrow account as a prepayment of the tax, as XXXX explain to me. Therefore, when the loan refinanced, the amount should stay in the escrow. Please waive all the additional fees and charges, since I did pay each month on XX/XX/XXXX and XX/XX/XXXX, and I also paid XX/XX/XXXX mortgage in XX/XX/XXXX. 
Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Capital One Venture X was advertised as a credit card that allows customers to earn miles and transfer those miles to other airlines. However, this core functionality is not working, and they have no workaround for it. They have no idea when it will be resolved and have said it's affecting multiple customers. They do not seem to be rushed in fixing this issue for customers. A quick XXXX search will show that this issue has been affecting many customers since more than a year ago. This is NOT okay to not be resolved immediately. There is an issue with their XXXX method.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

Im trying to consult with someone about a charge on I havent got an update. This is not correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX- {$500.00} It was sent via dispute stating that this account did not belong to me ; I'm unaware of a XXXX  XXXX account. Although the account was disputed as not, my account still shows on the credit report as " account not disputed ''. Either the company sends validation or this account, an actual validation of this account. Such as full details about the age of the account and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest and the date of the original creditor claims when the account became delinquent. I have not received any of this information from XXXX, Equifax, or the collections agency. This account needs to be removed based on my rights via the FCRA.
Product: Debt collection

Jefferson Capital Systems has put something on my credit report from XXXX XXXX that has never been Validated or verified. And for the record I havent opened up anything with XXXX in XXXX of XXXX. Jefferson Capital Systems has been sued already for purchasing loans that were forgiven and putting them on peoples credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added two inquiries to my credit report from the brief period XX/XX/XXXX-XX/XX/XXXX. These inquiries are from XXXX XXXX XXXX XXXX , XXXX and XXXX which I have never allowed to perform any soft or hard credit check and neither am I interested or was ever interested in their services. From a quick online search both companies have come under scrutiny after claims they make inquiries and check credit without one 's acknowledgement. Currently, XXXX XXXX XXXX is in the process of a class lawsuit for doing this ; and XXXX has a website to report these cases which I have reported. I have not heard back from both companies and consumers state they have asked directly to get these unauthorized inquiries removed without success. I have also frozen my credit report file under Equifax 's service online and have taken further steps to prevent such incident due to a possible Equifax breach. I have tried contacting Equifax but was unsuccessful as I was told by a representative they can not remove inquiries even if they were not authorized ; that it was " a job for the companies that reported them '' to remove.
Product: Debt collection

I became a XXXXXXXX XXXX in XX/XX/XXXX at XXXX XXXX XXXX. Prior to the XXXX, I was informed by XXXX XXXX staff that I would not incur any costs ; that the recipient 's insurance would be responsible for ALL medical bills related to the procedure. 

I began receiving bills from XXXX XXXX XXXX in XX/XX/XXXX and forwarded them to my XXXX XXXX  at XXXX, per her instructions and was told it was being handled by their billing department. The bills kept coming and I kept forwarding them to XXXX. 

I received written notice in XX/XX/XXXX that XXXX XXXX XXXX submitted the bill to a debt collector, Professional Finance Company Inc., XXXX, TX. They, in turn placed a {$1000.00} collection debt on my credit report. This was also submitted to XXXX, per my instructions. Unfortunately, it was not resolved. 

I discovered this fraudulent debt of {$1000.00} on my credit bureau report in XXXX XXXX This is the ONLY negative item on my report, and it lowered my credit score. I filed a dispute with the credit bureau and was denied relief. ( I did not understand why. ) XXXX XXXX is aware of this and has tried to assist, unsuccessfully. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX XXXX. I spoke to a representative today with XXXX XXXX XXXX at XXXX and was told that they removed the debt ( XXXX  it out ) on XX/XX/XXXX ( 1 1/2 years ago! ). 

I do not understand why Professional Finance Company Inc. persists in their fraudulent collection tactics and why my Credit Bureau Dispute was denied. I need an explanation and resolution from both entities. Please help! 

XXXX XXXX XXXX  is a voluntary act in the United States. I did not expect or ever want any recognition or compensation. By the same token, I did not expect any bills related to the XXXX or being subjected to this type of harassment and the resulting negative financial impact. 

Regardless of the stress, XXXX and aggravation this has caused, I would do it again. Life is precious. Please help get this resolved. Thank you.
Product: Credit card

Executed a balance transfer from XXXX to Wells Fargo on XX/XX/XXXX for {$4300.00} and was charged the usual 5 % balance transfer fee for a XXXX no-interest charged offer. On XX/XX/XXXX, I made a normal purchase of {$55.00}. On XX/XX/XXXX, I made a normal payment of {$55.00}. On XX/XX/XXXX I made a payment of {$300.00} toward the balance transfer of XXXX which is the first-month payment of the 15 months without interest. On the last day of the statement, I was charged {$1.00} for MINIMUM INTEREST CHARGE, which Wells Fargo stated to me on the phone when I made the complaint, that this is the standard process for Wells Fargo. 

I believe this is an unfair procedure, I have done this with other banks and they don't do this. Please attached documentation.
Product: Credit reporting

I have a car loan that was with a company called XXXX ( Now XXXX ) They are reporting information on my Transunion Consumer report wrong. I Disputed it, Yet they refuse to fix it Nor delete it since it is inaccurate. The CRA sent the dispute to XXXX who verified the info on the report. However when you compare all 3 reports you can see they ALL have different info being sent to the CRA. Meaning that the report has to be wrong since all of the data does not match the other 2 reports. Per the FCRA if all the data is not 100 percent accurate It can not be on the report.
Product: Debt collection

Debt was from XXXX  XXXX  they are asking for cash advised them that I had insurance and I also been in and out of hospital XXXX XXXX  they are asking me for cash I'm XXXX can't work no money
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I hereby request that you provide validation of this debt, including but not limited to the following : 1. The amount of the alleged debt : A comprehensive itemization of the debt claimed, including the principal amount, any interest, fees, or other charges.

2. The identity of the original creditor : Full disclosure of the name, address, and contact information of the original creditor, as well as any associated account numbers.

3. Verification of the debt : Copies of all documents, contracts, agreements, or any other instruments that substantiate my obligation to pay this debt.

4. Proof of your authority to collect the debt : Legal documentation establishing your agencys right to collect this debt, including any assignments or transfers from the original creditor.

Take notice that under 15 U.S.C. 1681s-2, you are mandated to report only accurate information to consumer reporting agencies. As such, you are required to inform all credit reporting agencies to which you have reported this debt that the debt is disputed. This notification must be made within five business days of your receipt of this letter.

Failure to comply with the provisions of 15 U.S.C. 1681, including but not limited to your obligation to validate the debt and to report it as disputed, will result in immediate legal action. Such action may include filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing all available remedies under federal law, including monetary damages, statutory penalties, and the recovery of attorneys ' fees. 

Furthermore, you are hereby notified that any continued attempts to collect this alleged debt without proper validation, or any failure to cease communication in violation of the FDCPA, will be considered harassment and will be met with swift legal action. 

You have 30 days from the receipt of this letter to comply with these demands. I expect your response to include all requested documentation. Any correspondence must be sent to the address provided above. 

Failure to respond within the legally required timeframe will result in an escalation of this matter to the fullest extent permitted by law.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from CarMax Auto XXXX XXXX ( VIN # XXXX ). I made a down payment of {$2500.00}, which included {$1600.00} from a trade-in and {$900.00} in cash. The loan was financed through CarMax Auto Finance. 

Upon reviewing the Retail Installment Contract, I discovered that my loan had been sold and assigned to CarMax XXXX XXXX XXXX ( XXXX XXXX ), which holds the rights to collect payments. However, I have continued to make payments to CarMax Auto Finance, which is not the rightful creditor. 

Further investigation revealed that my loan was securitized and sold as part of an asset-backed security on the secondary market, specifically linked to the XXXX XXXX XXXX XXXX XXXX with CUSIP number XXXX. This securitization was done without any disclosure to me, in violation of the Truth in Lending Act ( TILA ) and Uniform Commercial Code ( UCC ). CarMax Auto Finance continues to collect payments despite not being the proper holder of the debt. 
I formally requested proof of debt under UCC 9-210, asking for original loan documentation, servicing agreements, and details regarding the securitization. Despite this request, CarMax Auto Finance has failed to provide any of the requested documentation.

Additionally, under TILA ( 15 U.S.C. 1635 ), I am entitled to rescind my obligation to make payments due to CarMaxs failure to disclose the securitization and assignment of my loan. This lack of transparency has deprived me of my rights, and I believe CarMaxs continued collection efforts are unlawful. 

On XX/XX/XXXX, I sent a notarized letter to CarMax XXXX XXXX XXXX, CarMax XXXX XXXX XXXX, and CarMax Auto Finance, formally requesting proof of debt, documentation of securitization, and a servicing agreement. I also asserted my right to rescind under TILA. They have not responded or provided the necessary documentation to resolve the matter. 

I am requesting the CFPB 's assistance in investigating this matter and compelling CarMax to provide the requested documentation and cease collection efforts until the matter is resolved. If CarMax fails to respond within 7 business days, I will proceed with arbitration suit and seek remedy at the fullest extent of the law.
Product: Debt collection

FACT BILL AMOUNT WAS XXXX PAID PAYMENTS IN THE PAST - PAYMENTS MADE IN FULL!! I HAVE OVER CHARGED AND HARRASED I DEMAND COMP FOR MY MENTAL AND EMOITONAL DISTRESS REPORTING MY PRIVATE INFORMATION TO ALL CREDIT B. NEED TO REMOVE FROM CREDIT REPORT IMMEDIALLY BIL IS PAID IN FUL AND THE OVER CHARGED DID NOT REPORT TO THE CREDITOR PAYMENT IS BEEN MAD IN FULL. 
FEDERAL CONTRACTOR WORKING FOR CREDITOR COMPANY HARRASSED ME DAILY, VIA TEXT, PHONE CALLS, POLICE REPORT FILED\ NEED REMOVE FROM FROM ALL CREDIT REPORT AGENCIES AND DATA AGENCIES. A POLICE REPORT HAS BEEN RECORDED WITH ALL POLICE AGENCIES INCULDING ALL FEDERAL AGENCIES THAT HELP HARD WORKING AMERICANS THAT PAY TAXES!!
Product: Debt collection

Di-Tech Holdings claims that I foreclosed on a home loan in XX/XX/XXXX. The home was taken back by bank Green Tree Services for {$620000.00} in XX/XX/XXXX, which more than covered the note. I don't know who Di-Tech Holdings are but they have put a negative note on my credit report with the major agencies. They have the date wrong and since they made money there should not be a negative mark on my credit report.
Product: Credit card or prepaid card

Had life-humanitarian event XX/XX/2018, notified cc company XX/XX/2018. Have been ready to pay in full since XX/XX/2018 and have since closed account. The resolution is to change the way it is being reported on my credit report to accurately reflect true paid in full with no delinquencies. cc company is refusing to update reporting this account from charge-off to removal or paid satisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living, breathing human being, as opposed to a legal entity such as a business operation ( corporation etc. ) and for this reason I have rights under 15 U.S.C. 1681. Equifax is governed by 15 U.S.C. 1681. And they have invariably violated my rights on numerous occasions. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX from XXXX XXXX XXXX in XXXX tx. I asked for a XXXX they said that they don't do XXXX. I purchased the car XX/XX/XXXX XXXX took the car back because of mechanical problems 3 times. In XXXX I started getting calls from Westlake Financial I called and asked why they said that they are taking payments for XXXX XXXX. When I first went to XXXX XXXX XXXX they said that Westlake would take me as a customer. Ok I went to trade the car in and I'm told that the car has a total loss on the title Noone at XXXX told me that I'm stuck with this car that has no value to it. Fraudulent Sales on behalf of XXXX XXXX XXXX. I was sold this cat for XXXX dollars payments XXXX per month my insurance company only let me put liability on the car because it is a salvage title I want my money back and this car is reporting on my credit.
Product: Credit card or prepaid card

Been charged a fee of XXXX a month for the past 11 months by a company called XXXX XXXX. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with Capital One and they stated that XXXX XXXX sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before. Upon further investigation I have come to realize that XXXX XXXX XXXX works with XXXX XXXX and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. 

In addition to these over charges I stated to the Capital One the product is malfunctioning and the company refuses to correct any of the issues or replace the products. I also told them that I refuse to pay for items that are defected and not working. Capital One does not seem to care or want to help me in the situation.