23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL IS REPORTING AN ACCOUNT BALANCE IN ACCURATE DUE TO FRAUD CHARGES BEING MADE ON THIS ACCOUNT. I HAVE NEVER BEEN 30 DAYS LATE. I REPORTED THE FRAUDULENT CHARGES TO NAVY IMMEDIATELY. BILLING ERRORS DUE TO FRAUD. I HAVE NEVER RECEIVE ANY LATE NOTICE OR BILL FOR XXXX PAYMENT. I COULD NOT HAVE BEEN LATE, I HAVE MY CREDIT CARD AUTO PAY ON. I MADE A PAYMENT. I DONT HAVE ANY LATE CHARGES OR FEES. I WAS TOLD XX/XX/2022 WILL NOT REPORT LATE, INVES, I AM NOT RESPONSIBLE FOR FRAUD CHARGES OR FRAUDULENT BALANCE. PLEASE DELETE AND REMOVE XXXX DAY LATE PAYMENT AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THIS IS A BILLING ERROR DUE TO IDENTITY THEFT. I ASK YOU TO UPDATE MY CREDIT REPORT TO THE CREDIT BUREAUS XXXX, XXXX AND XXXX IMMEDIATELY 15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act NAVY FCU 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT.

SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 NAVY FCU is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give NAVY FCU written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

I have been complaining for over XXXX years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over XXXX years so I could resume paying for the student loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my credit score. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( XXXX ) and get them to report the errors on their part to the credit bureaus so my credit score can be corrected
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX  under the account number XXXX. This account appears as duplicated on my Credit Report ( twice ) and because of that have resulted in several fraudulent Charge Off appearing on my consumer FICO credit report with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collectionsor Charge Off related to this duplicated account as reported. The aforementioned accounts, collections, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and Charge Off are the result of identity theft and fraud. I have attached an Affidavit of Truth and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and Charge Off are the result of identity theft and fraud. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Dear CFPB, I am filing this complaint regarding CarMax Auto Finances handling of my auto loan, repossession, and subsequent deficiency claim. I believe there may have been unfair or unreasonable practices during this process. 

Details of the Complaint : XXXX. Low Sale Price : My repossessed vehicle was sold at auction for {$14000.00}, which is significantly below its fair market value of {$16000.00} and the XXXXXXXX XXXX XXXX of {$14000.00}. This raises concerns about whether the sale was conducted in a commercially reasonable manner. 
2. High and Unexplained Fees : The deficiency balance includes {$1000.00} in repossession fees and other charges. These fees appear excessive, and I have not been provided a clear breakdown of how they were calculated.

3. Transparency Issues : I have requested documentation from CarMaxs legal representative XXXX XXXX and XXXX ) regarding the sale process and deficiency balance calculation, but I have not received sufficient clarification or evidence. 
4. Potential Violations of Massachusetts Law : I am concerned that CarMax may not have fully complied with Massachusetts laws requiring commercially reasonable sales and proper notice procedures for repossession and deficiency claims. 

Impact on Me : I am facing financial hardship and can not afford to pay the deficiency balance of {$5200.00}. The lack of transparency and potential unfair practices have added significant stress and uncertainty to this situation. 

I respectfully request that the CFPB investigate CarMax Auto Finances practices to determine whether they have violated consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 states a consumer reporting agency cannc furnish a account without my written instructions.

46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX  ancient " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX 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

Under 15 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2023 we received a letter from loan care stating that our mortgage payments was increasing by {$820.00} from {$1700.00} to {$2500.00} and also, that our escrow was {$6600.00} short. Prior to receiving this notice with this lump sum of over {$6000.00} we were not informed that our escrow had a shortage. After looking over the escrow analysis we noticed that there are mistakes and over estimations in our account, the taxes was estimated to be {$3500.00} which they were only {$2400.00} which is {$1000.00} less. We also, noticed that our escrow account minimum balance is {$1300.00} but we are being charged {$1300.00} a month which is double the amount of our current escrow of {$540.00} a month. As, we went over the account our taxes and hazard insurance went up slightly {$100.00} for taxes and {$64.00} for insurance. There is nothing that should cause our mortgage and escrow payments to have such a major increase. This is not the first time loancare as made these type of costly errors which can lead to unnecessary equity loans, refinancing and loss of property.
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate this a letter Demanding the CRA Experian, XXXX  and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation Experian, XXXX, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX Bank stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX bank state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.
Product: Mortgage

Nationstar Mortgage wrote to let me know that effective   XXXX    , the servicing of my mortgage, loan number  XXXX , would be transferred to  XXXX   XXXX   XXXX   XXXX . Accordingly, I made mortgage payments to  XXXX   XXXX   XXXX   XXXX , loan number  XXXX , in  XXXX  and   XXXX   XXXX    . Now, Nationstar Mortgage is calling me, plus sending letters and email to collect for supposedly past due payments, despite twice confirming that the loan servicing was transferred to  XXXX . On   XXXX   XXXX   XXXX    , I talked to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  concerning my issue and she promised to research the issue and call me back by   XXXX   XXXX   XXXX   but she did not call me. I left a message with my loan  XXXX  on   XXXX   XXXX   XXXX   but she did not return my call.   I called  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX  , where a representative told me that indeed, the loan servicing was transferred to this company. However, during the week of  XXXX   XXXX , I received a letter from Nationstar Mortgage with an offer of borrower assistance ( as If I am late in making payments ) Please help resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Product: Credit reporting or other personal consumer reports

I recently challenged the validity of the XXXX XXXX XXXX XXXX XXXX XXXX ) account thats being reported on my most recent credit report. Upon challenging this, Please ensure it is deleted from my rental reporting on grounds of the account lacking the ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately I emailed the company to see if they could verify this debt as it is coming up during tenant screenings and preventing me from being able to purchase a place. The only information they have provided is that they do not have me on record. I have also sent a letter to the corporate office asking for the debt to be verified and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are too old to be on my credit report : XXXX XXXX XXXX XXXX XXXX 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

I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.
Product: Mortgage

ADJUSTABLE Mortgage Rates PICK-A-PAYMENT LOAN On XX/XX/XXXX, I received a letter dated XXXX, The letter read as follow ( Change to your Mortgage Interest Rate on XX/XX/XXXX and payment on XX/XX/XXXX ) then another letter dated XXXX XXXX rate increase. Old mortgages payment {$1800.00} New Mortgages Payment {$2200.00}. 
Borrower ; was not given in a timely fashion notice of interest rate increase nor payment change, subject to the general rules, the section 1026.20 ( d ) disclosure must be sent at least XXXX but no more than 240 days ( about 8 months ) before the first adjusted payment is due. And the section 1026.20 ( c ) disclosure must be sent at least 60 but no more than 120 days ( about 4 months ) before that adjusted payment is due i contacted a realty estate attorney who seemed a letter to the Mortgages Company on my behalf. as of XX/XX/XXXX still waiting to receive a correspondence letter. 
after researching pick a payment loan I discoveryhundreds of thousands of borrowers '' who entered into pick-a-payment mortgages with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX and was itself acquired by Wells Fargo at the end of XXXX Pick-a-Payment Mortgage Loan Class Action Settlement. Wells Fargo to settle lawsuit over pick-a-payment Loans violated federal truth in lending laws. 
moreover, more specifically, Wells Fargo customers who had either an auto loan, mortgage loan or bank account between XXXX XXXX were affected and may be eligible for a payout. Wells Fargo Mortgage Loan Borrows ( Some borrowers were incorrectly charged fees or other cost ). I too was a Wells Fargo Bank Account Holders and mortgage loan holder doing the year of XXXX
Product: Debt collection

I contacted XXXX and paid them once I realized I had a bill with them. I contacted scam collection agency which was rude and didn't believe I had taken care of bill with the hospital. I want the negative listing removed from my credit reports.
Product: Debt collection

I am a senior citizen living in the state of XXXX  and on XX/XX/year> my bank that monitors my credit notified me that a company called Eastern Account Syst accessed my credit bureau and put derogatory statements on my credit file. This company broke federal law and CFPB requirements because they never contacted by any of the 4 ways the CFPB requires. 
I have no idea who they are and the company they say they represent I have no balances with. This company illegally accessed my credit burea. 

I am asking that the CFPB demand that they remove the derogatory remarks they put on my credit and also I ask that Eastern Account Syst be fined and penalized for illegally accessing my credit without ever contacting me.
Product: Checking or savings account

Close to XXXX XXXX was taken from me from someone having my personal information and using a bank account to receive unemployment benefits from beginning of XXXX to late XXXX I have contacted this bank stated that I did not do those transactions and dont even live at the address the bank account was opened under its in totally different city and zip code as well as the transactions only being atm withdrawals no other transactions I think its ridiculous I have made dispute form sent it to the bank and I have even sent them a police report stating the incident with the best information to my knowledge either the bank doesnt believe me or they are just trying to play me like a fool and not doing their job as a bank to thoroughly investigate before giving a no error status I have been dealing with this since XX/XX/XXXX and no one seems to want to give my money back even though it says my money is FDIC insured up to XXXX but they cant see that someone used my identity to get money that wasnt for them and had access to the bank account as if they were me. I have been able to recover access and get back into account and use card normally but thats after a few weeks of calling back and forth to get a response I dont believe the bank is fully investigating and they are just assuming what they see is correct but do they not understand this is a pandemic and everyone is trying to get money these days including stealing peoples info and getting things that they were not supposed to get similar to my situation. I desperately need this dispute to be resolved I have a family and bills and so much stuff to handle I cant keep dealing with this stress making it harder not knowing if Im gon na get my money back or not
Product: Debt collection

Sent tow truck onto private property to reposess car. 
Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. 
Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. 
Susquehanna violated their own policy by repossessing car after only XXXX payments missed. 
Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.