23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLEN MY IDENITY TO OPEN FRAUDLENT ACCOUNTS
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I XXXX {$610.00} from my Capital One checking account to my husband 's XXXX XXXX account, using his email address XXXX, he did not receive the money, my husband let me know he recently unenrolled his email XXXX and enrolled his phone number XXXX because he was having trouble receiving funds via XXXX with XXXX XXXX XXXX After reviewing my transaction on my Capital One online bank with XXXX the transaction shows delivered for XXXX XX/XX/XXXX so we waited after XXXX holiday. As of XX/XX/XXXX we phoned XXXX XXXX they do not see any transfer deposits made to my husband 's checking account for {$610.00} and Capital One shows my transfer for {$610.00} was delivered they cannotcancelthe transfer and its not pending with errors. I filed a claim dispute and Capital One stated it would take 45 days and they would temporarily deposit the {$610.00} dollars back into my account after 10 business days. On XX/XX/XXXX I had my husband unenroll his phone number using his XXXX XXXX XXXX and re-enroll his email to see of the money will go through and it did not. As of XX/XX/XXXX Capital One denied my dispute because they said the transaction was completed. It was completed but the money never made it to my husband 's XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

CarMax keeps responding that I am making frivolous complaints against them but fail to address specific concerns raised. Is the note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. CARMAX , INC. is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If CARMAX, INCXXXX is not engaged in securities fraud how were they able to receive the transferred note from CarMax Auto Owner Trust who is the issuer of the note and Car Max Auto Funding LLC is the depositor & seller who pays CarMax Business Services LLC as the servicer to collect on the allege loan and make contact with its customers. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and CarMax Business Services LLC account numbers. If CarMax would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & FINRA involved to track their activities involving securities since what I'm stating is untrue. If you reply back that I am incorrect again this is exactly what I will do because I have repeatedly tried to handle this matter amicably without involving courts.
Product: Credit card or prepaid card

I recently received a MasterCard in the mail from XXXX XXXX Bank. The card was issued through the XXXX XXXX XXXX XXXX XXXX XXXX. While renewing my XXXX XXXX XXXX membership, I was asked if I wanted a XXXX  XXXX  MasterCard. My response was NO. I was asked if I was sure that I didn't want a XXXX XXXX MasterCard. My response was YES I'm sure I don't want a credit card. The customer care representative never said anything else to me about the XXXX XXXX MasterCard while she was processing my renewal. 

Approximately 1 week later, I received a XXXX XXXX  Bank MasterCard in the mail. I called XXXX 's customer care number and was told that I had to talk to someone locally at the store. I tried calling the XXXX 's and was never able to speak with anyone on the phone. I went into the store to speak with a manager on XX/XX/2018 around XXXX. The manager first told me to call customer service. I informed her that they told me to talk to someone locally at the store. She smiled and said ; Oh, she just hit the yes button by mistake. I told her that the associate never told me that she mistakenly hit the yes button and that I didnt think it was funny or comical. 

I told her that it is illegal for them to run my credit without my permission and issue credit debt in my name. For all they know, I could have been in the process of trying to obtain a home loan, car loan, home refinance loan, etc. and having a new inquiry and/or new debt could have caused me not to get my loan. She acted as if it were nothing and a very small thing. She told me she was just the shift supervisor and that I had to file my complaint with the general manager XXXX XXXX who is on vacation. I have tried reaching out to the XXXX 's several times to speak with XXXX XXXX and have not been able to get through. I also attempted to contact someone at the corporate office and was unable to locate any working contact information. 

My credit is good, and thankfully, them pulling my credit and offering me more debt did not gravely affect me. However, they really could have put me in a bad position and cost me a lot. They are giving their employees rewards for opening up new credit accounts and their employees are committing fraud on XXXX behave to get them. This is not right and unfair to the unsuspecting customers.
Product: Credit card

I went on a cruise with a friends family, we applied for credit cards onboard the ship. The whole cabins charges were billed to my credit card. When I received the bill I contacted carnival and they sent me a document that I have attached, which clearly states I am not responsible for any of these charges. At the bottom it says there is an asterisk mark placed beside the responsible party, which you will notice is not me. There is only one charge on my folio card that was automatically put on there for {$48.00} for service gratuity.. every card was charged this. They put the charges on the wrong mastercard. I am not responsible for any of these charges.
Product: Credit card or prepaid card

It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX are all reporting XXXX XXXX XXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.
Product: Credit card

Last week I received two pieces of mail, one appearing to be a credit card addressed to XXXX XXXX at my address ( titled property in my name, ) XXXX XXXX XXXX, XXXX, MD, XXXX. Concerned that my title was in jeopardy, I filed a complaint with the XXXX XXXX office online. I have received no response so I have taken the first two pieces to the XXXX post office today, XX/XX/XXXX, surrendering the mail to XXXX. 
In todays mail I received a credit card statement from Macys addressed to XXXX XXXX again, so I called Macys to report it. I was rerouted several times and hung up in frustration after speaking to XXXX, then XXXX then XXXX! 

I took pictures of the front envelopes of the first two pieces and XXXX post office ( XXXX, ) refused to give me a receipt for the actual credit card piece. I have in my possession the Macys statement received today and I am concerned that someone is opening credit in my name in an attempt to establish residency and steal my title!
Product: Credit reporting or other personal consumer reports

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my recent credit report. I discovered a Fraudulent account in my credit. Account is not mine. I did not authorize this company to open an account under my name. I need this account deleted. Account information, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Company has made repeated phone calls everyday at all times. Have been fishing a reaching out to family members and friends.
Product: Credit reporting or other personal consumer reports

My personal information was leaked in the XXXX data breach and the XXXX date breach and as a result of that credit cards and loans were opened up in my name. I am requesting that EXPERIAN remove these accounts under FCRA 605B as these accounts were a result of identity theft. I have attached necessary documentation for proof. Please send me an updated credit report after an investigation has been done. I also want ALL documents and all correspondence of communication BETWEEN the creditor and credit bureau agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}
Product: Checking or savings account

On Thursday, XX/XX/XXXX, the direct deposit for my weekly pay did not appear in my account. I verified that it was submitted and received by CapitalOne through my payroll department at work. I called CapitalOne on Thursday afternoon, and that is when I was made aware of a technical issue with a third party vendor. The representative was unable to tell me what the problem is, what caused it, when it is expected to be resolved, and who the vendor is. They were only able to say that it was a technical issue. It is now over 36 hours since that deposit should have been applied to my checking account, and I have received no follow-up or information from CapitalOne, except for one generalized email that there was a technical problem that was expected to be resolved by this morning. At this time, I have no way to obtain updated information, I have no idea where my money is, and I do not know who is involved in this issue and what the problem is. Was there a breach? A hack? Is my information secure? When will my deposit be secured? XXXX information is coming from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.
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 Account XXXX, XXXX XXXX XXXX Account Number:XXXX, XXXX XXXX XXXX Account Number:XXXXXXXX XXXX  Account Number:XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX Account Number:XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no  proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I found out through experian today that XXXX closed my XXXX XXXX XXXX XXXX ending XXXX with a credit limit of XXXX to my XXXX XXXX XXXX  ending XXXX that had a credit limit of XXXX that is now XXXX. 
Either way, I lost XXXX in credit that affected my credit score and also for the length of time I had it. 
All done without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant in regards to the numerous efforts of faxes, phone calls and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with Equifax, XXXX, and XXXX in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to Equifax, XXXX, and XXXX the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.