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

NOTICE OF OPT-OUT I have reached out to both transunion, XXXX AND XXXX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the XXXX considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? 

Transunion, XXXX XXXX are third party data XXXX and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt XXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE XXXX XXXX XXXX POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. I have tried serval times to apply for loans such SBA loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year>.
Product: Debt collection

XX/XX/2015, a fraudulent charge was added to my credit one account. I disputed the charge and it was removed. I then paid off and closed the account. A few weeks later more charges were added, including interest ( On a closed account? XXXX ), and a month later, the original fraudulent charge. I called them multiple times asking them to take care of it, they never did. One time they told me i reauthorized the charge, I asked for proof, they never sent any. I 've written formal dispute letters, they never responded. Of course i didnt pay this bogus charge, and as a result, they sold my account to a collections agency, LVNV? I called then today, and boy were they nasty. They claimed i made a payment on XX/XX/<YYYY> for the amount of the balance which is bogus. If I made a payment for the balance then why would there still be a balance? That does n't make any sense, theyre just trying to make the debt look valid. They said they would send a form to XXXX, to validate the debt. But I 'm tired of all this. I 've tried so many times and they do n't do anything. I want proof, I reauthorized the fraudulent charge. Not just XXXX word for it. I want an audio log of me reauthorizing said charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Inquiries on my credit reports for XXXX XXXX Transunion I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Chase Follow Up XX/XX/XXXX XXXX EST Contacted Chase at XXXX. No option to speak with someone about my account. The wait time was over 2 hours, so I requested someone call me back. Still no response. 
The number provided is the same number I have called in the past, and been transferred multiple places with no assistance. Given I have not been able to resolve this issue over the phone either in the past or this morning, I would prefer someone from Chase contact me at the phone number listed on my account to resolve this issue. 

Reference : Complaint XXXX
Product: Credit card

closed account without authorization and reporting a certificate of indebtedness which is income that isnt supposed to be reported into my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never got notice prior to this being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged XXXX  or 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 reporting or other personal consumer reports

I reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on Experian but shows 30 days late on XXXX ) XX/XX/year> ( shows okay on Experian but shows 30 days late on XXXX ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.
Product: Debt collection

Received A letter about this debt in mail from XXXX XXXX XXXXXXXX saying theirs an reduce balance opportunity. But I have no knowledge or authorized of this account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never opened any account with XXXX or XXXX XXXX. it says on the letter that the original debt was {$560.00}
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Vehicle loan or lease

I sent CarMax a money order to pay off my loan in full. Under UCC law, a money order is a negotiable instrument, and once cashed, the debt is legally satisfied. CarMax accepted and cashed my money order, thereby agreeing to its terms, which stated that the full balance was paid off. 

However, CarMax has illegally : Issued a repossession order for my vehicle, despite the loan being paid in full. 

Reported missed payments to the credit bureaus, which is false and damaging to my credit. 

Charged off my account, even though legally, the account should be considered paid in full. 

Laws Violated by CarMax 1. Violation of UCC Law Money Order as a Negotiable Instrument UCC 3-104 & 3-310 ( b ) ( 1 ) : A money order is a negotiable instrument, and once cashed, the original debt is discharged unless explicitly stated otherwise. 

CarMax cashed my money order, which legally satisfies the debt. Reporting a balance, charge-off, or pursuing repossession after accepting full payment is fraudulent and unlawful.

2. Violation of XXXX  State Law XXXX Statutes 673.3101 : Once a money order is accepted and cashed, the obligation is satisfied, unless a separate agreement states otherwise.

XXXX  Consumer Collection Practices Act ( FCCPA ) 559.72 ( 9 ) : Prohibits false credit reporting and unlawful debt collection practices, including illegally reporting missed payments and attempting repossession after payment.

3. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 CarMax knowingly reported inaccurate and misleading information to credit bureaus, damaging my credit and financial standing. 

Requested Action : Immediately cancel the illegal repossession order. 

Correct my credit report by removing false missed payments and charge-off status. 

Update my account to Paid in Full.

Provide written confirmation of these corrections.

CarMaxs actions violate UCC law, XXXX  state law, and federal consumer protection laws. If not resolved, I will pursue further action, including contacting the XXXX Attorney Generals Office, the XXXX XXXX XXXX XXXX XXXX XXXX, and legal remedies for damages. 





XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I sent XXXX  multiple letters to verify this account and I never received proof or a copy of a application with my signature.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought {$100.00} of bitcoin via coinbase. On XX/XX/XXXX I authorized coinbase to transfer {$87.00} from my Coinbase account to my XXXX account. The money was transferred but it also debited me another {$87.00} as if I requested another {$87.00} out of my bank account. There is no {$87.00} pending in my Coinbase wallet. I have no idea where that money went.
Product: Mortgage

This is a new complaint but it follows my last one which was : XXXX. After my last complaint that the bank was foreclosing because I did not sign the appropriate papers. I am pleading with you for help. The following are my issues : 1. DITCH Foreclosed again! 
2. Although the bank did respond to you, I did not get anything from the bank until after the foreclosure on Monday, XX/XX/XXXX. 
3. The Atty General 's office of Missouri wrote a letter to the bank and asked the bank to postpone the foreclosure so I can reapply for loan modification. 
4. I reapplied and I also set in the original paperwork.
5.The bank sent an e- mail to the atty general 's office on XX/XX/XXXX that they are requesting a postponement and will get back to him. 
6. I called the bank onXX/XX/XXXX and asked if they got everything i sent in as far as the original papers and the loan modification papers. 
7. The bank told me on XX/XX/XXXX that they got my papers and everything is ok and I am being put back on the same mortgage payments as before. I asked them if I will get that in writing and they said " sure '' in the near future. 
8. I am in Chapter XXXX and my attorney took the house out of the plan while I was in loam modification. I was paying my mortgage every month without any problem. My attorney told me that if I am having a problem with the bank and the foreclosure he can put my house back on and I will be protected from foreclosure. 
9. He did n't do it bec the atty general 's office told me that everything seemed like ok and it looks like its being postponed and if they hear anything they 'll let me know. 
10. And the bank told me I was ok and no foreclosure. SO my atty did not file to put the house in my bankruptcy which would have protected me if I knew they made a decision. 
11. I also was n't able to go to the auction which i understood i could have bec i did n't know it was still on. 
12. The Bank did n't tell me or the atty general 's office what they decided until after they sold my house and THAT IS NOT RIGHT! I could have taken care of things. AND the bank told me they are not doing it. 

PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, US Dept ED ( no account # listed ) 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 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. 

I have enclosed the inconsistency for the XXXX XXXX  account.. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX Account .. the balance still wrong at its XXXX $ it was XXXX $ and its been paid.. delete asap
Product: Debt collection

I am not liable for this debt with Afni Inc. # XXXX, I do not have a contract with Afni Inc., they did not provide me with the original contract as I requested. I have sent two debt validations letters to Afni Inc . The first letter XX/XX/2023 and a second letter XX/XX/2023. XXXX XXXX XXXX XXXX # XXXX, is also attempting to collect on this same account. XXXX XXXX XXXX XXXX did not complete the debt validation letters, but instead I received a Fraud Packet today XX/XX/2023 dated XX/XX/2023. XXXX XXXX # XXXX is also attempting to collect on this same account as well. I sent them two debt validations letters. XXXX XXXX XXXX XXXXXXXX has not responded either. I have attached all correspondences regarding this XXXX account ( which includes Afni Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Santander Consumer USA has infringed upon my rights and privacy protections as outlined in the following laws : * The Fair Credit Reporting Act ( FCRA ), Section 605B, prohibits reporting information without my consent. 
* 15 US Code 1650 defines the term " finance charge. '' * Regulation Z of the Truth in Lending Act governs certain aspects of lending practices.

* 15 US Code 1662 mandates disclosure of down payments and installment details.

* 15 US Code 1635 outlines the right of rescission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : EQUIFAX 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Debt collection

The company hunter should be deleted from my credit report. It has been past 7 yrs.
Product: Mortgage

This is supporting information to verify all of the facts in complaint Case # XXXX where I report that my " modification '' was indeed a cash out refinance loan because XXXX XXXX did indeed pay off XXXX XXXX without my knowledge or consent and then did not disclose these funds on what they called a modification but which was really a cash out refinance that was done without any RESPA documents including HUD-1 and Right of Recision.
Product: Vehicle loan or lease

To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Nissan Motor Acceptance in the State of Georgia on or aboutXXXX2019, and resold on or about XX/XX/scrub>/2019. 
Under the laws of the State of ( State where the car was repossessed ) UCC ( The states UCC code ) and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies. 

Sincerely, XXXX XXXX
Product: Debt collection

I am having repeated phone calls from this company during my working hours. They then called my son who said he was told he was next on the list to contact and wanted to have him relay the message to me that they are trying to contact me and to call them at a certain number. They did not give out any information except the name of the company and that they were trying to reach me but they wanted my son to relay the message that I needed to call them. I tried calling this number. It rings 10 to 12 times and goes to a voicemail. I have asked them to stop calling me and to send me any information via US mail. I also have been receiving text messages from them. I have never received anything from this company in the mail. Just keep getting repeated phone calls/text messages. The fact that they have started reaching out to my family members concerns me, my understanding is they can not call someone and ask them to relay messages to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX and SYNCB/Amazon has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumper plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : FNB Omaha XXXX XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore.

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''