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

MY CREDIT HAS BEEN AFFECTED DUE TO THE MAJOR DATA BY XXXX BREACH AS WELL MY PERSONAL INFOMATION, AND IM REQUESTFUL SUMITTING A FORMAL REQUEST TO HAVE ALL DELINQUENT, CHARGE OFF, OR ANY DEBT.

15 U.S.C 1692G.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax auto finance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX ASSET CARE LLC, 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 cannont furnish a account without my written instructions.
Product: Debt collection

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent.

According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and I have submitted disputes with XXXX and XXXX and Transunion and XXXX is still reporting wrong. I have asked them to update this information and delete these accounts from my credit report. They have failed to do so. Transunion has not updated my credit inquiries as well. They are reporting the wrong information on my credit report as well as payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tore out family apart. 
Claimed we had to get independent housing aftery grannys age got the best of her. 
Demanded I get independent housing without resources. 
They claim theyre not any resources. 
It's been close to a year since my children have been with their mother. 
Their father is deceased as of XX/XX/2022. 
They were taken XX/XX/2022. 
I'm a aingle mom. 
I just learned my twins were never properly registered as my kids at birth with the state. 
I can not get any help with these matters to reunite my children with ( me ) their mom. I only get more and more demands to do things to satisfy the department and less and less resources. PLEASE I AM BEGGING FOR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I leased in XX/XX/2020 a new car from XXXX XXXX  and the lease was financed through KiaMotorFinance. I paid the down payment and the XXXX lease payment via a check from my checking account and requested all further payments to be withdrawn from this account as well. I was assured that that was done this way and that I would receive a welcome package from the bank with all information regarding this. After two weeks I had not gotten any mail I contacted the dealer concerned about this but again I was assured that all was in order and due to Covid19 there were delays. Than I called the bank but I was told to give them my account number but I did not have that and I was told again that I would get this soon. Due to my very tough work schedule in the XXXX dealing 12-15 hours per day with XXXX XXXX  and the reassurance from dealer and bank I did not worry any longer until one day in XXXX a tow truck showed up to repossess my car but the driver left after I explained and showed all my proof and said that this didnt sound right. I than immediately called the bank and one employee recognized the problem and emailed a statement to me and I realized that KiaMotorFinance had used a totally wrong address and according to the bank associate had done so even after the mail was returned to them. And still they did not contact me or the dealer to right this wrong. And now they do not answer 3 certified letters, emails or phone calls but just hang up. I even immediately mailed a check with the full amount but this check has not been posted by them. 
I hope that you can help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

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 2 also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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

XXXX XXXX credit card is reporting a balance usage of 99 % on the card since XX/XX/year>. Card was paid in full and has had a XXXX balance since XXXX. Tried dispute through Equifax and the bank says the information is correct
Product: Debt or credit management

Global holding llc was working on my debt relief for the last three years and they have charged me more then {$17000.00} for the last three years and they were able to settle with XXXX XXXX  but were not able to settle the debt with XXXX XXXX and now after three years they asked me that they cant settle with XXXX XXXX XXXX and I have to work with XXXX XXXX and they already charged me more then {$17000.00}. I want to get help in this issue. I talked with global holding and they dont want to help me settle with XXXX XXXX and they want me to settle or make arrangement with XXXX XXXX after three years.
Product: Credit card or prepaid card

Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to collections from XXXX XXXX XXXX, I have sent in several complaints in regards to this same debt that has changed hands numerous times with incorrect information. The original debtor was XXXX changed to XXXX transferred to several other collection agencies now with XXXX XXXX XXXX. This was a XXXX 's card, XXXX 's sold to XXXX XXXX. XXXX 's sent me defective merchandise and when their workers came to pick up, they left merchandise ( mattresses ) on the curb outside my apartment building in XXXX, which is against the law in XXXX. I contacted XXXX 's as I had to pay {$500.00} to immediately have removed myself, as well as issues with refund to my card due to their drivers not bringing back merchandise. Ultimately, XXXX 's corporate stated the matter was corrected and my account was current and I asked for it to be closed. Apparently, this was not communicated to XXXX later XXXX and once transferred collections started. I have repeatedly asked for itemized bills from all parties and no one will send out to me. I reported all my credit cards stolen in XX/XX/XXXX and sent police report to all my credit card companies etc, which is still being reflected on my credit reports by XXXX on other accounts. However, XXXX XXXX XXXX is not only reporting me as owing {$2400.00} but stated that I made a purchase in XX/XX/XXXX, when even XXXX sent letter via CFPB stating that last purchase was XX/XX/XXXX. Also, XXXX XXXX XXXX is reporting on XXXX that I made a payment in XX/XX/XXXX, which is absolutely false. I do not owe anything on this matter and I again ask for itemized bill so that I may determine what they are trying to state that I owe. XXXX XXXX XXXX stated that they do not have an itemized bill and I have to contact the store to obtain one. What store am I supposed to contact if I have no idea what the charges are.
Product: Credit reporting or other personal consumer reports

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Product: Credit card or prepaid card

PLEASE NOTE : The account number submitted with this claim is the CURRENT account number. The account number was CHANGED after the fraud was reported, and new cards were sent out. The account number submitted in this claim is the NEW one, and the OLD number is linked to this active account. ALL of the fraudulent charges referenced were charged to the OLD account number. 
Between XX/XX/XXXX and XX/XX/XXXX, about 162 separate fraudulent charges ( appearing as " XXXX '' and " XXXX '' ) appeared on our CitiCard XXXX   MasterCard. No actual purchases had taken place. A cursory calculation revealed charges in excess of {$3200.00} of fraudulent purchases, and an estimated $ 900+ in interest chargers collected by Citi . We made multiple phone calls to Citi 's customer service lines, and they disconnected us each time, after several long minutes, without a call back. We sent a detailed letter by USPS certified mail to Citi, which was received on XX/XX/XXXX. On XX/XX/XXXX, after failing to receive any acknowledgement or contact in reference to the fraud, we sent a fax to " Citi Brands Credit Bureau Disputes '', containing copies of every page of the 10-month series of statements, with the fraudulent charges clearly marked. Although there is a means of disputing charges online, Citi cut off the online disputed charges at a XX/XX/XXXX entry without comment, and has failed to either contact us nor adjudicate that limited number of claims, which represents a fraction of the charges. 
With our correspondence, we included web links and hard copy pages of research which demonstrated the well-known status within the banking/credit card industry of this specific fraud, dating back to, at latest, XX/XX/XXXX, and as much as 5 years prior to the first one appearing on our XX/XX/XXXX statement. We believe there is more than enough proof of fraud, that Citi is profiting by it, and their neglect to even confirm or act on our claim is intolerable.
Product: Student loan

Navient ( then Sallie Mae ) used predatory and abusive service practices to a student ( myself ) to receive a student loan for a XXXX  college ( in XXXX  at time of original loan ). There is a class action lawsuit for them for this same thing in which I fit the same parameters of the lawsuit in the exact time period.
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 : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Product: Mortgage

AmeriHome Mortgage XXXX XXXX XXXX XXXX XXXX XXXX did n't escrow private mortgage insurance ( PMI ) on my loan since the inception of the loan which was 2.5 years ago. Now the company is claiming that we owe them PMI premiums for the past 2.5 years. They have put our esrow account in a negative standing and have increased our mortgage payment by over {$400.00} to cover the escrow advance. I have never gotten a written response or an explanation from the company on why they have done this. I have had numerous unsucessfull phone callls with them. Person on the other end of the line was never willing to help or able to help. I was always told that someone from their " escrow dept '' will call me w/in 5 days and I never received a call. I have sent XXXX certified mail letters and have never gotten a response.
Product: Student loan

I am enrolled in the Public Service Loan Forgiveness program and currently under an income-based repayment plan. In calculating my eligible payments for PSLF, XXXX is not counting payments that I made prior to being enrolled in PSLF when I was not enrolled in an income-based repayment plan. However, the payments I made prior to being enrolled in income-based repayment plans required much higher monthly payments than my monthly income-based repayments ( sometimes triple the cost ). I have contacted XXXX multiple times, including on XX/XX/2018, XX/XX/2018, and XX/XX/2018. XXXX has been unable to explain to me why these high payments would not count as eligible payments, despite the fact I was not enrolled in income-based based on the advice of my prior loan servicer, XXXX XXXX ( XXXX ). I have my federal tax forms from every year to prove that my calculated income-based payments would have been significantly lower than the repayment plan I was enrolled with at the time. 

Furthermore, I have contacted XXXX a year ago ( XX/XX/2018 ) to request that my payments be reviewed in more detail, and this has still not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX - XXXXXXXX XXXX  XXXX XXXX Balance {$420.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$810.00} XXXX XXXX Balance {$150.00}
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or prepaid card

I signed up through American Express ' website on XX/XX/2021 when they were offering {$300.00} if {$3000.00} were spent in the first 6 months of opening a Blue Preffered card as well as XXXX $ annual fee for the first year. I was charged a XXXX $ account fee the first month. I filed a complaint, they refused to refund it with zero evidence the offer every changed. I provided cached web pages of theirs prior and after with the same offer. Third parties with the same offer. The customer service manager agreed with me on a phone call that the ruling did not make sense. Yet, they refused to offer a refund of the fees. I know the XXXX $ intro was there as I wanted to test if I would spend enough he first year to make the card worth it the next, or I would not have signed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a mortgage broker, XXXX XXXX, in XXXX to get a pre approval. I gave him permission to pull my credit to approve me. Yesterday we reached out to speak about next steps on getting a mortgage commitment. We were asking questions about needing a survey and instructions his lender has for the process. He started talking about rates and I said I would need to talk it over with my fiance about our options. I specifically asked him not to run my credit as we were still discussing through options and needed to read paperwork he sent over. I also sent him an email to send me more information on different types of rates. He then ran my credit without my permission and is saying he did not. I looked at my credit report and it says it was pulled by his company Guaranteed rate twice. ( 1 ) XX/XX/XXXX was approved. ( 2 ) XX/XX/XXXX was not approved. I would like to dispute this credit pull and also report him for misrepresenting that he pulled my credit without my permission.
Product: Credit reporting or other personal consumer reports

I paid off my car in XX/XX/XXXX. Carmax chg my payment history 8 months later in XX/XX/XXXX. I dont show I was delinquent on any of my credit reports or documents. Why report on my loan for payments 3 years ago, 8 months after payoff. I need it corrected
Product: Debt collection

I have not lived in XXXX since XXXX of 2019. XXXX XXXX XXXX XXXX sued me in XXXX XXXX XXXX. I currently live in XXXX. I have requested the purchase agreement for the debt and proof of service of the court summons
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, 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.