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

Dear CarMax Auto Finance and Credit Reporting Agencies, I am writing to formally demand the immediate removal of an account that has been illegally reported on my credit report. This account is linked to a vehicle purchased fraudulently using my personal information without my consent. Despite my multiple requests for removal, this account continues to appear on my credit report, which is a direct violation of my rights as a consumer. 

I want to stress that the ongoing presence of this account is not just an inconvenience ; it is a significant issue that has caused me financial harm and emotional distress. It is unacceptable that my information was misused to obtain financing from CarMax, and I have already taken steps to report this situation to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Furthermore, if this account has been charged off, it is illegal to continue reporting a debt that has already been settled or compensated. I insist that you take immediate action to remove this account from my credit report and ensure that it is not reported again in the future. Failure to do so will result in further escalation of this matter, including potential legal action and additional complaints to regulatory agencies. 

I expect written confirmation from both CarMax Auto Finance and the credit bureaus regarding the immediate removal of this account from my credit report. This matter requires your urgent attention, and I trust that you will act swiftly to resolve it. 

Thank you for your prompt cooperation. 

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I HAVE BEEN ATTEMPTING TO REQUEST A MODIFICATION on my mortgage with Nationstar for over a year now, The Lender blatantly failed to comply with HAMP rule Book notwithstanding of its participation and therefore obligation to do so. in a period of over a year, the failed to assign a SPC or Customer relationship manager to the account even after an appeal was submitted. in the contrary they purposely assigned a Legal Code into their system that prevented me or anybody in my behalf to speak with the bank. i was cheated by their attorneys at court whom cohered me to sign a consent judgment so no further litigation was active on the account, this being back on XXXX 2015, this will grant them a sale date in court 90 days after that. well to my demise and surprise they continuously refused to remove code or to allow me to speak to anyone in regards to my modificatiion, even worse denied my attorney to even sepak wtih them direclty in thse regards, therefore we could n't know whether addiitonal documents were nedeed or not until 2 weeks prior to the set sale date they decided tosend correspodnece denying the modificaiotn leaving me with 3 days literally to dispute their decision, i was able to do so at no avails i still was n't able to speak to anyone regarding my modification or dispute. they have failed to evaluate my request accordingly miscalculating income as per the rule book and taking out of the equations XXXX or deferment that could have resulted in a workout. it is obvious there is something else here as the property location is heavily coveted and the Lender might have special intentions therefore to create this issue for me. i addition there are 2 + years of unpaid principal balance which were discharged by the Chapter XXXX bankruptcy i am part of now, which they ; disregarding Bankruptcy court order, refuse to remove from the balance due, with the obvious attempt to disqualify me from any work out, any and all efforts have been done to reason with this bank with no positive results. the Court has granted an additional extension to sale due to proof remitted to judge of the above stated but now they have given me 3 days to resubmit a modification request ; which i will do. in hopes this organism has the tools to overcome the red tape and make justice, sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry information is incorrect. The only inquiries that belong there are from XXXX  XXXX XXXX and XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time a inquiry is made I 'm told this will not hurt my credit that is a lie the inquires are out of control you make one and a whole bunch are inquiring I submitted a complaint and it was not addressed o far I have made XXXX inquires for info just look at the record
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  and TransUnion are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and Information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
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 XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I received XXXX identical credit cards from US Bank using my name. Same acct number, expiration date and security code. None of these cards were requested. Nor have I ever charged anything to XXXX of these cards. The card number ended in XXXX. 

XX/XX/XXXX I received notice that that card was cancelled, AFTER THOROUGH REVIEW by US Bank, due to suspected fraud. 

On XX/XX/XXXX I spoke by phone with " XXXX '' of US Bank who said " everything is shut down ''.. 

On XX/XX/XXXX I was notified that the acct was past due in the amount of {$59.00}, with a balance of {$5900.00}, I assume that the {$59.00} was a late charge because I didn't pay for fraudulent charges ; and I never will. 

Also on XX/XX/XXXX I spoke by phone with " XXXX '' of US Bank to explain, once again, that ALL of these charges were fraudulent. I believe she understood that I had no intention of paying fraudulent charges, or late fees on such charges. 

During XXXX XXXX I received XXXX separate written communications from US Bank regarding request for credit in my name. There were no duplicates. The requests included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank KNEW/OR SHOULD HAVE KNOWN that charges on credit card ending XXXX were fraudulent. If US Bank searches their records using my name and address they will find all of these communications. So hard for US Bank to claim ignorance of the fraud. 

None the less US Bank has attempted to get me to pay for the fraud. To add insult to injury, they have also attached late fees and interest. They have also reported the acct to credit monitors as delinquent. 

XXXX closing on XX/XX/XXXX had a previous balance of {$6000.00}. Statement closing on XX/XX/XXXX showed a previous balance of {$2600.00}. Apparently US Bank is finding some fraudulent charges and deleting them. However, ALL of the charges on acct XXXX are fraudulent and should be removed. 

The last payment I made to US Bank for legitimate charges ( on a different card ) was in XXXX of XXXX. To be clear, I have not charged anything to a US Bank credit account since XXXX of XXXX. Further, I have no intention of paying for fraudulent charges ; and US Bank should not expect me to do so. 

Apparently US Bank thinks I should pay or they were try to damage my credit rating. Credit rating on XX/XX/XXXX was XXXX per US Bank via XXXX. Not that high now. Thanks US Bank!!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On the date XX/XX/XXXX a judgement was made on me from XXXX, XXXX and XXXX. I was never contacted about them trying to sue me. The debt they are trying to collect is over XXXX XXXX XXXX. They must of lied in court because a judgement was made against me even though this debt is old.
Product: Checking or savings account

On XX/XX/XXXX, I was charged a $ XXXX monthly service fee on my money market account. I called XXXX XXXX on XX/XX/XXXX and asked for an explanation as I thought I could avoid the fee by having an XXXX checking account. The website for the money market account says you can avoid the fee with a {$1000.00} min balance or having a " qualified checking account ''. There are no further details on what defines " qualified ''. The phone banker told me she would forward to other staff. On XX/XX/XXXX, XXXX XXXX ( banker at XXXX ) reached out to me via a secure messaging site. XXXX said the {$12.00} would be refunded, but I was mostly concerned about the error on the bank website. Over the course of a few days, I was pointed to different disclosures that supposedly contained the verbiage on what a " qualified checking account '' was. XXXX via XXXX could never provide any documentation. As a result, I feel many others have been incorrectly charged by XXXX. 

Please see attachments for message exchange and disclosures made available to me via XXXX or their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$790.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}
Product: Debt collection

In accordance with the fair credit report 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, XXXX XXXX XXXX and XXXX XXXX XXXX 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 : States a Consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer report agency may Make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have problem with XXXX  Credit Bereau. XXXX  reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX messages to my mobile harrassing me by calling from unknown numbers . this is because of XXXX  sending and sharing my information to other parties. and XXXX  showing falsify information on my credit report beacuse of that iam paying 18% APR every month. i have been paid 4500% interest in just two years because of XXXX falsify credit report. iam going to file a law suit against XXXX. we are struggling her becuase of XXXX. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of XXXX.
Product: Credit reporting

Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT TRANSUNION AND XXXX NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have 2 complaints : One for the company ( XXXX ) and the collection agency. 
1. Irregular charges from Land lord : I rented a room in a house from XXXX, address : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. I moved in XX/XX/year>, with a monthly rent of {$390.00}, a deposit of {$200.00}, and a utility deposit of {$120.00}. I enquired about breaking a lease on XX/XX/year>. I was told I need to give a 60-day notice and pay extra one month rent of {$390.00}. It was never in their policy what the charges will be if I break a lease without 60-day notice and I was never informed during my enquiry. I made a miscalculation when I was filling the form for a 60-day notice, I chose XXXX instead of XX/XX/year>. I was informed about the discrepancy but I already bought my ticket with the XX/XX/year> plan. I paid all the charges including extra one month rent ( included in the attached documents and it was titled " lease break fee '' ). Up till this point there was no information about any other charges, until after some weeks, I received an email of being charged {$1000.00} and my {$390.00} was deducted, so I need to pay extra {$690.00}. I initially negotiated and pleaded for a lesser amount in other to keep the house but I stopped when I found out that it was a rip-off. 
My arguments : 1. I was not aware of any extra charges till I left the house and also not included in their policy. 2. My deposit was not refunded. 3. While would a room of $ XXXX monthly require {$1000.00} for a lease break ( outrageous ). 

2. Collection agency did not communicate with me and did not give me enough time before putting it on my credit. I did not have a physical address and a phone number when I moved out of the house, the company ( XXXX ) communicates with me through email. I am curious why the collection agency did not send me an email, informing me of putting it on my credit before doing so. 
My point : I want the collection removed from my credit. 

CONTACTS : XXXX  website : app.livehomeroom, com, phone : XXXX. 
Collection agency is NATIONAL CREDIT SYSTEM, phone : XXXX.