23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a revocation of power of attorney to CarMax Auto XXXX  by certified mail. CarMax did not acknowledge this letter. CarMax no longer has power of attorney over my car contract. 

I also sent In an affidavit of truth with codes CarMax Auto XXXX has violated. 

Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AFFIDAVIT OF XXXX XXXX XXXX XXXX  This Rescission notice is made Pursuant to 15 U.S. Code {$1600.00} ( a ), rescind the agreement. Neither was Igiven the notice that as Iwas never told Ihad 3days to transactions. Furthermore, you CarMax Auto Superstores comes along with all the consumer credit all my rights as a consumer including but not Inc failed to clearly & conspicuously disclose 6 Take further notice that Pursuant to 15 U.S. Code {$1600.00} Superstores Inc accepted a CASH down limited to my right of rescission.

1, Breanna U.S. Code {$1600.00} ( i ) ; Pursuant to 14 XXXX, participated in a consumer credit transaction and not a loan ; consumer credit transaction shall be determined m e by your organization in direct violation CarMax Auto which clearly states : The finance charge does payment of {$1000.00} violating 15 U.S Code transaction. not include charges of a type payable in a 1605, comparable cash Pursuant to 15 U.S. code {$1600.00} ( 1 ) ( 3 ) ; one can be fined year, or both, for giving false or inaccurate information up to {$5.00} or face imprisonment for up to one to disclose. In this case you, CarMax Auto Superstores or fails to provide information which is required rescission, I am not liable for any interest becomes void effective disclose and provide all information clearly to Inc, willfully violated this law when you failed Notice that pursuant me as a consumer. to finance charge to 15 U.S. Code {$1600.00} ( b ) : upon receipt of this immediately. or other charge or other charge, and any security Take further notice that 20 ( twenty ) days after property given as earnest money, down your receipt of this notice, you must return necessary or appropriate to reflect the payment, or otherwise. Also, you shall take any and placed on the property which termination of a security interest created under any money or action in this case is aCAR ( XXXX, XXXX, XXXXXXXX XXXX  the transaction # XXXX )
Product: Checking or savings account

On XX/XX/2023, I received an email stating that I'd opened an account with Regions Bank and shortly after, I received an email stating I'd updated my email address. 

On XX/XX/2023, I received a confirmation email from Regions Bank stating that I added the standard overdraft coverage. 

I didn't open any accounts with Regions Bank nor did I add any services. 

I don't have an account with Regions Bank nor have I ever had an account with them. 

I tried calling the numbers that were posted without success. The reps needed the full account number or my social security number. I didn't have the full account number and wasn't going to provide my social security number. 
I reached out to a colleague for a contact at Regions and he provided one on the business side. 

She referred me to file an ethicsreport aXXXX XXXX. It looks like it was more related to either an employee or someone that does business with Regions but I completed it anyway.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX  creidt reporting agency as well as Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX account number : XXXX, opened on XX/XX/XXXX. This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My daughter had a bill with XXXX XXXX in XXXX tn. She was an adult at the time of service but they put me as a guarantor but i signed nothing. They also disclosed info to me about my daughter and turned the bill over to collections to frost arnett company in which i never received the first bill from the XXXX. I advised them this better not go on my credit because she is XXXX and adult.
Product: Vehicle loan or lease

On XX/XX/2020 my bank ( XXXX ) debited my account {$400.00} and sent it to Southeast Toyota Finance. I called the finance company on XXXX XXXX, XXXX XXXX, and XXXX XXXX and each time was told the {$400.00} had not been credited to my account. A woman named XXXX from my bank researched the problem and determined the following information from XXXX XXXX bank. Southeast Toyota Finance received the {$400.00} on XXXX XXXX and credited it to my account on XX/XX/XXXX. ( XXXX XXXX, XXXX, Case # XXXX, ) After receiving this information from my bank, I checked with Southeast Toyota Finance on XX/XX/2020 to determine if the {$400.00} had been credited to my account yet. I have checked with this company on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. As of today, XX/XX/XXXX, Southeast Toyota Finance has not credited my account with the {$400.00}.
Product: Mortgage

On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. 
I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.
Product: Debt collection

Triton recovery is sending text messages and calling all my family members, bother sister niece and nephews and sending texts and phones calls XXXX a week. 
They are also emailing info to other people Wife, office workers that work at my business and sharing info with them and telling them personal info about this debt I have asked repeated times to stop and t hey still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021, XXXX, Experian has violated my consumer rights under FDCPA, FCRA XXXX A male representative by the name of XXXX cursed me out, harrassed me, and hung up on me after I invoked my rights under FDCPA 1692c ( c ) ( 2 ). Experian has fraudulently furnished my personal consumer information and reporting fraudulent credit cards on my account, without my consent. I called to them to remove a fraudulent information on my consumer report and I received abuse. This is identity theft. I never gave the credit agency Experian permission to use my information to furnish anything on my consumer report.

Violations 15 USC 1692k CIVIL LIABILITY 15 USC 1692d XXXX  15 USC 1692j FURNISHING DECEPTIVE FORMS 15 USC 1681a ( d ) 15 USC 1681a ( 2 ) 15 USC 1681a ( 2 ) ( b ) 15 USC 1692c ( c ) ( 2 ) 15 USC 6821 18 USC 3571 ( c ) 18 USC 1028 18USC 1028 ( a ) ( 7 ) Total Amount of Fines due : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX LL ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}
Product: Student loan

This is not the first complaint I have submitted about this company. I switched my servicer to FedLoan for the PSLF program. Earlier this year I submitted annual documentation to decertify my income based repayment plan. My payment went from $ XXXX/month to {$580.00}. When I called to complain about this, no one could ever explain to me how this happened. My income did not increase significantly and I had been at the same job. I was assigned a " borrower advocate " at FedLoan. I was put into a REPAYE plan with a payment of only {$200.00}, which I felt was an interest only plan. In XX/XX/XXXX, I found out that my husband also has a significant amount of Federal student loans. I spoke to this " advocate '' about this and she sent me the forms to reapply for the IDR plan. In the meantime, I again received another bill for the {$580.00} which I have repeatedly told them I can not afford. I filled out the form ( earlier this month ) and emailed it directly to the " advocate '' along with our tax returns. Last Friday XX/XX/XXXX I received an email saying they could not process my request due to " missing information '' and that I would be getting a letter telling me what was missing. When I tried to log onto the website to see the letter, the site was down. Yesterday I emailed this " advocate '' and today I left a phone message- no response. Today I got a letter in the mail from FedLoan not saying anything about missing information but that hey could not process my IDR request because " the version of the form you submitted is expired. '' Then I received a letter saying my account had been placed in forbearance to give me time to figure this all out. 
I am someone who has never been behind on bills and has always had excellent credit, and I do not need it destroyed by FedLoan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I've not persuaded the 3 Credit Bureaus efficiently please the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CAINE WEINER. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.
Product: Credit card or prepaid card

Person filed an application for XXXX Rewards credit card with Comenity Capital Bank using my name and SS number or alternate number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is using stall tactics so that they do not have to investigate my disputes which is a violation under the FCRA. They are suggesting that I am not the person sending in my disputes. Which I've already assured them that it is myself who are disputing such matters especially after become a victim of fraud and filing a identity theft report months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2023. I XXXX XXXX am demanding transunion to delete the inaccurate information from the consumer file If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Account ending in XXXX XXXX XXXX XXXX XXXX information is in fact inaccurate and shall be promptly deleted. Consumer report agency XXXX has reinvestigated the information and has in fact found information to be inaccurate as well, ( see attachment of ending results from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first initiated a dispute with XXXX  and Transunion regarding XXXX  XXXX XXXX in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the XXXX XXXX XXXX account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four dispute letters to Transunion and XXXX  asking to verify the account. XXXX  and Transunion claimed they have verified and validated the XXXX XXXX XXXX account all four times. I sent in a fifth letter to XXXX  and Transunion via certified mail in XX/XX/XXXX showing proof that I was not late on my XXXX  XXXX XXXX account in XXXX and XX/XX/XXXX. I also sent a letter to XXXX  XXXX XXXX in XX/XX/XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XX/XX/XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to Transunion, XXXX, and XXXX  XXXX XXXX that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.
Product: Credit card

I purchased an automated kitty litter, which was faulty and immediately proceeded to return this item. XXXX gave me a choice, refund my original credit card purchase and credit my Discover card, or they offered to provide me an XXXX e-gift card, which would be a faster, almost immediate refund to my XXXX account. I chose the latter. 
I returned the item on XX/XX/XXXX or XXXX, and almost XXXX weeks had gone by and I had received no e-gift card from XXXX. As such, I advised XXXX I was going to dispute the charge with Discover and Discover provided a temporary credit pending their " investigation. '' Discover performed an " investigation '' which was reduced to asking XXXX what they had done about my refund. XXXX told Discover that they had provided an e-gift card, but they FAILED to tell Discover that they took the e-gift card back and provided me a XXXX ( XXXX ) REFUND, because XXXX was told Discover had provided a refund. So, BOTH DISCOVER AND XXXX LEFT ME WITHOUT A REFUND. 

I provided evidence to Discover that XXXX did not provide an XXXX card, or rather, they took back their XXXX certificate once they learned Discover had provided a refund. Now, as stated, neither Discover nor XXXX have provided my credit for {$380.00}. I uploaded evidence that XXXX took the e-gift card balance back and to this date, NEITHER DISCOVER NOR XXXX HAVE CREDITED MY ACCOUNT. 

I demand that Discover credit my account accordingly as I have returned the item for {$380.00} for XXXX month ago now, and to this day, they have FAILED to credit my Discover account, and neither has XXXX provided an e-gift card for {$380.00} for the returned item. 

This is clear evidence of a multibillion-dollar company, or XXXX, which do NOT listen to their customer, fail to perform a proper investigation, simply take the word of a behemoth, multibillion dollar company against that of their customer, and leave the customer against a rock and a hard place, with NO refund to date, for an item returned XXXX month ago. 

I WANT MY {$380.00}!
Product: Debt collection

hundreds of robocalls from ( XXXX ) XXXX / ( XXXX ) XXXX and other for the past 5 months with the prerecorded 39 seconds message - For your convenience, you can now visit us on the web at XXXX have your reference number available with you and logging in again, refer to reference number XXXX. And the number to call is XXXX. Thank you for your convenience. You can now visit us on the web at XXXX have your reference number available with you and logging in? 

most recent timestamps : XX/XX/2019:XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX ...