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

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX FIN XXXX Balance : {$9800.00XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I mailed via registered mail return green receipt to CARMAX, a dispute letter regarding inaccurate and incorrect information being furnished to my consumer report. It's been over thirty days and CARMAX has FAILED to RESPOND. The inaccurate and incorrect furnishing of this Information has had a grave effect on my family and livelihood. This Company is bound by law and has a DUTY to furnish accurate and correct Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX  Account XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : 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 reached out to XXXXXXXX XXXX  to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and XXXXXXXX XXXX  advised me that the payments will not be reported to the credit bureau as late payments while under this program. XXXXXXXX XXXX in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX XXXXXXXX XXXX continues to report as late payments for this timeframe. I reached out the XXXX XXXX around XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from XXXXXXXX XXXX stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after XXXXXXXX XXXX  assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from XXXX XXXX that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX  must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with XXXX XXXX and wish that they correct their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

A credit card account was opened under my name with a {$29000.00} limit, and is currently on my credit report with a balance of {$3000.00} currently on it. I never opened an account or applied for a credit card with Bank of America. I contacted them a while back, and always got put on hold, or transferred to another department where nobody helped me. After about a year of trying to figure this out, I stopped trying due to frustration, and just decided to keep the balance current to avoid fees and penalties. I was going through a divorce and was having a lot of other things going on at the time, so it slipped my mind until I saw that Bank of America was being sued for opening up fake accounts, then everything made sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2023 Dear Equifax, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

I am disputing 8 accounts on my credit report that are inaccurate and do not belong to me. 
These errors are preventing me from securing funding for my business, causing serious financial harm. I request an expedited investigation and immediate removal of these accounts : XXXX ) XXXX XXXX XXXX, Account # XXXX covers 5 accounts- 2 accounts Open and in Good Standing, with 3 accounts Outstanding. 
2 ) There are 3 accounts under XXXX XXXX. Both are Outstanding and 1 is under account # XXXX, and the other 2 are under account # XXXX. 
These accounts do not belong to me and I have never lived at the address associated with them. As proof, these accounts are set to fall off due to the 7-year time limit next month in XXXX. I am requesting their immediate removal because they are erroneously impacting my creditworthiness and business efforts. Please notify me once your investigation is complete.
Product: Consumer Loan

I called Southeast Toyota Finance to arrange for the turn in of my leased XXXX XXXX. I was given a payoff quote and had that money immediately withdrawn from my bank account which they were able to do since payments were automatically debited from the account. That was on XXXX XXXX so at that point my balance was XXXX and that transaction was immediately reflected in my XXXX account. On Monday, XXXX XXXX, another payment was withdrawn from my account because in the process of closing they had not stopped the automatic debit. I called today XXXX XXXX and was told that I had to prove to them that the transaction had cleared by sending a complete end of month bank statement. How ridiculous! I bank online, they take my money online, and they want me to wait till the end of the month and fax them a paper end of month statement which I print online to prove that they have my money which they can find out just as easily as I found out about the error looking at my account online. This whole situation is absurd. They actually had the nerve to tell me that I should have stopped automatic payments but when I told them that I just had done that online they told me that my online action had no effect until they took action. Well, obviously they are in no hurry to take action in stopping erroneous debits to my account. They took my money in error, they know that they took my money and they want me to prove it????? 
I have attached a copy of a screen dump of my account ( which they said is not adequate proof! ) showing the payoff payment and the overpayment.
Product: Debt collection

I owned a house in XXXX, on the XXXX XXXX of Hawaii in XXXX. In this house, I had XXXX XXXX XXXX to tv and internet. 
Due to the volocano and fire, the house was destroyed and currently and as in XX/XX/XXXX, the property was covered in 80 to 100 feet of lava. There is NO way to get to Property, Everything was Destroyed. 
I was in contact in XXXX and XXXX with XXXX  regarding this. 
The cable box was burnt up and destroyed which I believe is the basis of this bill they say I owe for {$280.00}. XXXX  told me that I would Not have to pay for this and they would take care of this. Many, many phone calls, this continues to be a problem. 
The collection agency contacted me last year. I wrote them a explanation on this problem and they said they would take care of it. 
Since XXXX  told me I would not be responsible for owing or returning this equipment, which COULD NOT be returned, due to this Natural Disaster, I am asking to have this removed from my credit report. 
It is a small amount of money and I have in Good Faith, followed the procedures and talked to XXXX  over and over about this. 
This lava flow with a Federal Natural Disaster and is widely known to have occurred About 720 houses were taken out, I personally had 2 homes lost, only one have XXXX XXXX. Address of property involved was at that time, Before Lava : XXXX XXXX XXXX XXXX, XXXX, HI XXXX, owners. No address, no access, no mailboxes, nothing Left, except for the presumed 80-100 feet of Lava covering Everything. Please help me resolve this, nothing else has seemed to work and what they told me and what happens are two different things Thank you
Product: Credit reporting or other personal consumer reports

Navient informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( Navient ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with Navient- the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my Navient account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to XXXX in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and XXXX XXXX and is unacceptable from a company that is no longer allowed to service loans.
Product: Payday loan, title loan, personal loan, or advance loan

During the XXXX XXXX, California was on and off lock down for approximately 2 years. Due to the pandemic my father required XXXX. He was XXXX XXXX XXXX with XXXX  XXXX  and other medical conditions. I was relegated to becoming his primary caregiver. The lengthy duration of the pandemic lock down decimated my ability to earn income as a small business owner. 

I applied for a Lending Point loan out of desperation to survive, as I was struggling to pay for rent and food. The loan money was used to survive. The terms of the Lending Point loan consisted of monthly payments of {$400.00} for 36 months. Lending Point was relentless on late payments, did not provide a grace period, and reported late payments to the credit agencies after being one day late. I contacted Lending Point several times for some form of relief. They adamantly refused to offer a grace period.

Eventually I asked Lending Point to re-structure my loan to reduce my monthly payments. Lending Point finally agreed to a loan restructure, albeit at significant increase in interest payments. During several loan restructure conversations Lending Point representatives would state, they would assist me in getting the late payment removed if I would pay the past due amount in full today and restructure my loan agreement, which I did. I trusted in that these representatives would assist in the removal of the late payment. They deceived and manipulated me. 

During the restructuring of the loan there was a lot of back and forth communication over a period of several months. It was during this period that Lending Point reported 3 late payments for being one day late. Additionally, Lending Point required the total late amount due to be paid before they would discuss the loan restructure. I would be one day late on payment and Lending Point would require the total amount to be paid, and then still report the late payment.

Eventually, I paid the Lending Point loan in full, and early. The three late payments are the only derogatory marks on my credit report.

According to section 401 of the updated Heroes Act, there was a moratorium on furnishing adverse information to credit bureaus during the XXXX pandemic, and for 120 days afterward. Consumers can request adverse information to be removed during the covered period, will be held harmless, and not suffer further damage by having late, or missed payments, ruin their credit report, and reduce their credit score. The above erroneous late payments meet the requirements for this covered period.

I am filing this complaint with the Consumer Financial Protection Agency against Lending Point for not honoring section 401 of the Heroes Act and the memorandum on adverse credit agency reporting, and for not operating in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge Off XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a letter from XXXX XXXX XXXX telling me that I was being sued by XXXX XXXX XXXX. This was the first time I was ever hearing of a lawsuit. I never received any written correspondence of any debt from XXXX XXXX XXXX saying I owed them anything or that I would be sued for non payment. I recently moved to XXXX Florida due to XXXX XXXX spouse changing duty stations and we did a change of address at the post office. I also have XXXX informed delivery that tells me what's coming in the mail and tracks it with photos. I was never contacted by this company. On XX/XX/2023 a XXXX sheriff shows up at my house and served me with a summons notice to appear for mediation. XXXX XXXX XXXX is a third party debt buyer and unless they can show me the original contract I had signed with the debt then I do not owe them anything They can not buy a debt and then harass me to pay said debt bu suing me without prior knowledge. I am a XXXX veteran that has a low income and do not have the funds to be going to court over something I knew nothing about. There are many complaints against XXXX XXXX XXXX for using strong arm tactics to get people to pay supposed debys that they purchase. Constant calls and harassment. I would like this suit dropped and this debt removed.They failed to notify me of the lawsuit under the Federal Fair Debt Collection Practices Act They have two addresses posted one for Florida where they sued me and their main address in XXXX New York. XXXX XXXX XXXX is the Attorney on the paperwork and his address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Student loan

Became XXXX and could n't repay. Due to a rule that a XXXX  person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this Company and who they are but they have Reported to the Credit agencies I have never Signed a Contract with them. Please provide my Signature and the proof of legal Contract please also provide how you have Verified this debt. this Company is violating my rights they have not provided Validation information under 12CFR 1006. ( b ) ( 5 ) yet they have placed a Collection on my consumer report recently.
Product: Credit card

THEY CLOSED MY ACCOUNT AFTER I CALLED IN TO ENQUIRE ABOUT CREDIT PROTECTION, THAT PAYS PAYMENTS WHEN YOUR OUT OF WORK OR ON XXXX. I DID NOT AGREE TO A PAYMENT PLAN PROGRAM THAT CLOSES YOUR ACCOUNT WITH REDUCED PAYMENTS. I HAD AVAILABLE CREDIT AT THE TIME, SO THEIR WOULD BE NO REASON I WOULD REQUEST THE ACCOUNT TO BE CLOSED. PLEASE HAVE THEM RE-OPEN MY ACCOUNT, FOR THEY HAVE NOT BEEN ABLE TO PRODUCE ANY SIGNED PAPERWORK NOR THE ACTUAL RECORDED CALL. THEY HAVE CALL CENTERS OUT OF XXXX, AND THIS IS WHAT HAPPENS WHEN THERE IS A XXXX XXXX AND THEY DONT UNDERSTAND ALL THE FACTS. THE REP DIDNT DO THEIR DUE DILIGENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher.

I have tested this on my own and found that my score was as much as 15 to 20 points higher.
Product: Mortgage

On XX/XX/XXXX, I received an email from Cross Country Mortgage LLC XXXX XXXX department that I completed trial modification and am approved and in a permanent workout plan. I signed and returned approved forbearance agreement on XX/XX/XXXX. The loan was current upon entering forbearance term. Forbearance term is from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, they reported to credit agencies I was current, CP forbearance. On XX/XX/XXXX, they reported me 30 days delinquent and that the loan was transferred. I was not delinquent in the month of XX/XX/XXXX. From XX/XX/XXXX to today, Ive sent countless emails and have spent hours trying to get this resolved. On XX/XX/XXXX, I spoke to a representative named XXXX ( XXXX ) who stated that on XX/XX/XXXX they reported me 30 days delinquent and that the loan was transferred, when it shouldve been reported current, transferred and CP forbearance. XXXX told me to hand write a dispute, take a photo of it and send back with credit reporting snapshots. XXXX confirmed that the reporting on XX/XX/XXXX is inaccurate and needs to be updated to current, forbearance and transferred. Despite all my attempts including sending in this dispute, plus all documentation showing forbearance agreement and email stating I completed trial modification and that Im in an approved and permanent workout plan, I received a letter on XX/XX/XXXX stating that Im in default. Additionally, I requested they send me documentation stating Id be reported to the credit agencies prior to executing forbearance agreement and they have both verbally stated and written in email they did not send me notice of credit reporting and do apologize for the inconvenience but that there is nothing they can do and they stand by their credit reporting and letters of default.
Product: Credit card or prepaid card

I have called Discover several times to be removed as an authorized user and remove the account from my XXXX XXXX They have done nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded and sent, fax, information under law about the fair act with the credit bureaus and the information is incorrect of accounts and inquiries that are not mines. And they haven't removed nothing.