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

I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; Account # : 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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts open in my name without my permission or authorization, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over 25 inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help
Product: Mortgage

My loan was purchased on XXXX XXXX, 2016 by Loancare, a XXXX, XXXX XXXX, XXXX XXXX, XXXX Loancare has not made payments from escrow collected to my local real estate taxes. My escrow balance is currently {$4700.00}. My taxes are in delenquency for {$1200.00}, which includes interest charged by the municipality. Due to inadequate staffing of their phone system resulting in an inability to contact. There is over an hour wait, and still no one answers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Loancare loan # XXXX
Product: Debt collection

Due to no freeze on my credit reports my identity was stolen and used to apply for credit cards, business loans, and other items without my knowledge. 
I must emphasize that the inclusion of these inaccurate accounts on my credit report has had a detrimental impact on my creditworthiness and financial well-being. I have not entered into any financial agreement or contractual obligations with the aforementioned institutions. I would need verification and accuracy of these accounts. 
I kindly request proof of validation and verification of detailed documentation regarding the origin, terms, and conditions of these accounts. Any supporting documents, such as signed agreements or contracts of these accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XX/XX/XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 48 hours to log into my.equifax.com. 
They system accepts my credentials, but I'm then directed to call a number. When I call the number, I'm put in a loop. I've called 8 times. I keep getting transferred from one department to another, then, at some point in the process, they disconnect my call. 

Without being able to log into their system, I'm unable to monitor or impact Freezes on my account, without the telephone, which takes over an hour. 

It's difficult to believe this company is allowed to exist after trying to hide it's security breaches, and these continued failures in customer service.
Product: Credit card or prepaid card

I have a us bank reliacard that my child support is deposited on. I had not used the card for some time to save up XXXX knowing my daughter was having XXXX onXX/XX/XXXX and i would have to pay the copay. I went to use the car at the hospital and it was declined. I went to a us bank location and it was declined there too. I called customer service at approximately XXXX XXXX and was notified the card was deactivated due to a unotherized deposit that doesnt match a withdrawal. After going through several managers i was told i needed to contact the the company making the deposit and cancel it. I called the company and they can not remove it as its been processed buy reliacard. I asked for the date of original purchace and it was a deposit of XXXX i paid for home security onXX/XX/XXXX. They held the deposit through my contract of XX/XX/XXXX. I then called reliacard customer service back and notified them of the dates and was told they dont keep records that long and XXXX would have to fax them all the info they have. XXXX does not fax but the could email how ever reliacard refuses to give me a email stating it can only be faxed. Besides that XXXX returned the payment with my card # that had expired in XX/XX/XXXXbut reliacard deactivated my current card that has a completely diffrent # and refuses to reactvate untill XXXX faxes them the paperwork. The management has refused to return my calls and actually had one manager lady tell me there is nothing i can do this is a goverment agency and my account is being investigated by their federal investigation department for money laundering. I am a XXXX XXXX with limited funds and rely on this money and in this circumstance for a childs XXXX. I have found hundreds of  complaints about Us bank reliacard for these exact circumstances. I have asked numerous customer service representatives, managers and supervisors for the number and name of this federal investigation agency but they all have refused telling me the dont have a name or phone number. There is something going on with this company that may not be legal and is certainly unethical. Ultimately they have deactivated my current card due to accepting a return of a deposit being returned with a card that expired nearly a year ago without notification. I dont know how im going to get the money back as us bank reliacard is unreasonable with their demands and telling me its my problem not theirs.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting Utilization on multiple accounts. 
LATE PAYMENT ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXXXXXX 54 % XXXX, XXXX 21 % XXXX, XXXX XXXX 7 % XXXXXXXX XXXX XXXX XXXXXXXX 87 % XXXX, XXXXXXXX XXXX XXXX 17 % XXXX XXXX  XXXX 92 % XXXX, XXXX XXXX XXXX XXXX 98 % XXXX XXXXXXXX XXXX XXXX XXXX 79 % XXXX, XXXX XXXX XXXX XXXX 12 % XXXX, XXXX XXXX XXXX 84 % XXXX  and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to EXPERIAN violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I submitted a dispute with Experian Credit Bureau for the following account : XXXX XXXX XXXXXXXX- This account is currently reporting inaccurate and incomplete payment history and account information. I submitted a dispute letter requesting a reinvestigation pursuant to 15 USC 1681i. I demanded to see Account level documentation bearing my wet signature such as applications, contracts, etc. I advised Experian if this information can not be produced according to case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is considered incomplete and must be deleted from my credit report. Unverifiable, incomplete, or inaccurate tradelines should be deleted from my credit report and 15 USC 1681i ( 5 ) thoroughly explains. 

On or about XX/XX/year>, I sent a Methods of Verification letter to Experian to request verification of all the steps Experian took to ensure XXXX XXXX XXXX  was reported 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. Consumer reporting agencies shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name & address of any furnisher of info contacted in connection with such information and telephone # of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

On or about XX/XX/year>, I received an update from Experian that my dispute was completed and the XXXX XXXX XXXX account was " verified and updated ''. 

After the reinvestigation by Experian, the XXXX XXXX XXXX account is now reflecting additional incomplete and inaccurate payments in my payment history, further damaging my credit history. 

On XX/XX/XXXX, I contacted the dispute dept at Experian and confirmed my dispute letters were received. Experian representative verified receipt of my dispute letters and stated they contacted the creditor directly and verified the account. 

Experian intentionally and willfully refused to complete a thorough reinvestigation, failed to provide me with all requested documents, refused to delete the inaccurate, incomplete, and unverifiable account, and is now reporting additional inaccuracies on my credit report in direct violation of 15 USC 1681i ( 5 ) ,15 U.S.C. 1681i ( 7 ), 15 USC ( 6 ) ( B ) ( iii ), and 15 U.S. Code 1681e ( b )
Product: Debt collection

I the consumer, original creditor, and natural person has been abused by CARMAX AUTO FINANCE has been in attempt to collect on an alleged debt. Pursuant 15 USC 1692e ( 11 ) During initial communication CARMAX AUTO FINANCE did not disclose that it was an attempt to collect a debt. CARMAX AUTO FINANCE has violated Fair Debt Collection Practices act 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692cl ( l ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 2 ) ( a ) & 15 USC 1692j ( a ). Using deceptive forms 15 USC 1692j ( a ) in order to collect on debt from the original creditor 15 USC 1602 ( g ) during the consumer credit transaction 15 USC 1602 ( i ) their has been an unauthorized use of my credit card since I'm not benefiting from the consumer credit transaction 15 USC 1602 ( p ) which is a violation which leaves CARMAX AUTO FINANCE criminal liable for willful and knowing Truth In Lending Act. I the consumer, original creditor, and natural person never received these things pursuant 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

CARMAX AUTO FINANCE has not rebutted my affidavits of truth which stands as truth in commerce.
Product: Student loan

Last year an agreement between XXXX XXXX/Navient and NES payment services was met for me to pay back on outstanding loans. As of XXXX of last year I could not access my account. I sent numerous letters with no response. I sent a certified, signature confirmation letter XXXX weeks ago with proof of delivery being XXXX again notifying NES of said situation. I even faxed Navient the same issue with an offer to close out the debit with a lump sum payment of {$2000.00} ; This would have been what I had left of a balance if I was allowed access to my account. As of XXXX XXXX 2015 I have not received a response from Navient or NES in regards to this matter. If neither party wants to communicate with me either via email or mail, then following the FDCPA this debit is not valid and should be removed from my credit profile.
Product: Credit card or prepaid card

We received a large refund from a cruise we paid for through our American Express Credit Card. The refund was sent to American Express which created a credit balance in our favor. American Express has refused to send us the refund. AMEX has had a credit balance on our account for over three weeks. We asked for the credit balance to be refunded to us through either a check or wire transfer. Their fist excuse for not sending us our refund was it's against the law to wire our credit balance to our bank. Then they said they would wire the funds. We never received the funds. We called AMEX again and they said the wire would take 7-10 business days. We called on the 7th business day and they told us the funds have been delayed because of COVID.
Product: Credit reporting or other personal consumer reports

I have been trying to get a refinance on this loan and use my credit that is now better than when I signed the loan agreement. The loan has a reported payment history of XXXX  months at a rate of $ XXXX which should total to around {$12000.00}. The amount that is reportedly paid is {$3000.00}. This is not allowing me to get a refinance because the underwriters will not approve based on the amount reportedly paid. The interest of the loan is at 25.18 % and I'm currently getting offers at below 10 %. I have been getting good offers but have been denied based on this situation. I have sent XXXX or XXXX disputes so far only using XXXX XXXX and so far I have seen no result.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/XX/XXXX
Product: Credit card

I am reaching out to request your assistance with an issue that has significantly impacted my credit and financial standing. Below is a detailed account of the situation : 1. Background : In XXXX ( i Believe ), I received an email from TD Bank indicating that they were updating their system. 

Due to the system update, I was unable to process payments online and had to make payments by phone. 

I successfully made two payments by phone : one for XXXX and another for XXXX. 



2. Issue : Despite these payments, TD Bank appears to have failed to process them correctly. 

This resulted in my account being marked as delinquent and negatively affected my credit report. 

Additionally, I financed a XXXX XXXX XXXX with monthly protection added, which brought the total to approximately {$58.00}. 

TD Bank has since canceled my account and is charging inconsistent amounts, claiming the issue can not be resolved on their end and directing me to XXXX. 



3. Additional Impacts : This situation has caused significant financial damage. Other credit card companies have lowered my credit limits as a result of the derogatory mark on my credit report. 

Despite my repeated calls to customer service, I have only received limited assistance. Representatives frequently tell me that notes have been added to my account by a manager, but the most they can offer is to waive late payment fees. They insist they can not fix anything else, which has been incredibly frustrating. 



4. Attempts to Resolve : I have contacted TD Bank 3 to 4 times and informed them that I can not take calls on Fridays. However, their representatives only call me back on Friday evenings, making it difficult to communicate effectively. 

I also contacted XXXX, but they informed me they do not handle financial matters, leaving me stuck between two companies without resolution.

5. Request for Investigation and Resolution : I kindly request that this matter be investigated thoroughly and resolved promptly. I am seeking : A correction to my credit report to reflect that I made the payments as agreed.

A resolution to the billing discrepancies and reinstatement of my account if applicable.

Clarification on next steps for ensuring my phone remains protected.

Additional support in addressing the financial impact caused by this issue, including any assistance in repairing my credit standing.

Your assistance in resolving this matter is greatly appreciated. Please let me know if additional information or documentation is required.

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Debt collection

I do n't owe any outstanding balances. From what I looked up the number called usually calls about student loan debt from XXXX which is not yet due for me.