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

My partner XXXX XXXX and I bought a Car from Carmax in early XXXX ; we paid our monthly payments almost always on time until we were hit by financial fraud and crime. We called Carmax and made a arrangement to pay at a later date than usual. Carmax agreed. Instead in the wee hours of the morning, the day after the phone call to Carmax they came and repossessed the car, taking at least {$10000.00} or more of our belongings as our car was full to the top with valuables. Along with this, went all our paperwork on the car loan. When they took our car we had paid almost 50 % on the value of the car which was {$10000.00} when we got it in XXXX. 

Thereafter since XX/XX/XXXX when Carmax reposed the car, they are claiming we owe the full value of the car. Now how do we owe the full value of the car when they repossessed it after we had paid almost 50 % of the car loan? And how do we owe anything after Carmax stole all our belongs in the car? Im confident they sold the car for more than we paid for it, and we already had a complaint into them because we had to pay to have the head gasket replaced within the first year we bought the car.This cost {$600.00}. 

Carmax is a corrupt fraudulent company!
Product: Debt collection

To whom it may concern, Dynamic Recovery Solutions asserts that I owe a debt to XXXX XXXX when I never held an account with this telecom giant. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to Dynamic Recovery Solutions, the alleged debt was being claimed by XXXX XXXX XXXX. I disputed the matter with all three credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to Dynamic Recovery Solutions. 

They list their mailing address as : XXXX XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
Product: Checking or savings account

The XXXX of XXXX I was scammed over the phone by a call center pretending to be customer service. I was tricked into sending {$150.00} through XXXX XXXX. XXXX  XXXX told me to contact my bank, FIRST NATIONAL BANK OF OMAHA. I contact my bank the XXXX. Im told to wait. I contact them the XXXX of XXXX to file my claim. They do nothing with my claim even after nearly a week of talking to multiple employees and managers. Manager XXXX told me I would get my funds back on the XXXX of XXXX. But on the XXXX I received an email that my claim was dismissed because It was determined that your dispute is with a company that has not billed your account even though XXXX and many, many others know that I was charged. I told them to have a 3 way phone call with XXXX XXXX to talk to them and my bank told me no, closed my case, and told me Im too loud and immature. I also have recorded phone calls of my bank that they were made aware of during that I could send if needed.
Product: Debt collection

I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit card

I have a Dell Pay credit account issued by Comenity Bank. My due date is the XXXX of each month. On the evening of XX/XX/XXXX, I attempted to make a payment on my account. Their website was completely unavailable due to the well publicized global IT outage. When calling on the phone the message to customers was that their customer service representatives were not available at all. I tried again to make a payment on the morning of XX/XX/XXXX ( due date ). Their website was still offline. When I tried again at XXXX that evening, the website for payments was working again but since it was after XXXX XXXX, I could only select XX/XX/XXXX which they considered late. I was charged a {$29.00} late fee. When calling the customer service representative to have the late fee removed, I had to argue with them about how it was Comenity 's fault the payment was late. The representative removed the late fee but acted like Comenity was doing me a favor and went so far as to remind me payments are due by XXXX XXXX  on the due date. I have never paid this account late. This is very poor customer service on their part and is very wrong to blame the customer for something that was their fault all along. Comenity needs to be reprimanded for this poor service.
Product: Debt collection

my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX  ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )
Product: Credit reporting or other personal consumer reports

I am writing this letter. I am being greatly impacted by that, which is on my credit report. These accounts are showing up on my credit report since I am a victim of identity theft and my information was compromised. Those I should not be held accountable or responsible for anything that was opened up without my knowledge, so these accounts are really hurting me a lot. It is not my account. I have no doubt that none of you would want to pay for a product or service about which you know nothing or have used. 

At some point in XXXX, I should be in the process of purchasing a house and may even receive a credit check in order to advance in my career. Being a victim is not easy, so I'm working to organize my life. My mental health is severely harmed by it and it is overly stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX in the amount of XXXX from Midwest fidelity service. This is not my debt. I told them that I never lived at that address and I lives in XXXX XXXX at the time of this incident. The constant call and Harassed me over this.
Product: Credit reporting or other personal consumer reports

Conns appliance is violating federal bankruptcy law reporting late payments after I filed for bankruptcy 5 years ago on an account that was discharged in bankruptcy court with all three credit bureaus
Product: Debt collection

I received a bill in XXXX year olds name for a surgery he had on XXXX/XXXX/2015. Im not sure how they put the bill in my sons name since im the person who filled out his paperwork. So I called them after getting the bill and informed them that my son is only XXXX and that they need to put the bill in my name. I gave them all my information and the collector said that she would remove XXXX name but she never did and I kept receiving collection calls for my son and each time they said they would correct the problem, In total I received XXXX calls for my son who by the laws in XXXX you can not collect or enter into a contract with a minor, So when they called today I talk to XXXX who ask to speak to my son and told me it was a personal business matter. I asked the name of the Company and yes you guess it XXXX. I then ask for the Manager ( XXXX ) and told her that I was going to file a complaint if they do n't correct the billing and she laughed and hungup in my face. I then called back and spoke to someone XXXX who said that she was correcting it. I then told her to send me a new bill showing the corrections
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications.

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit card or prepaid card

I am a victim of the government  shutdown and can not make any payments at this time. I wish to defer payments for at least six months so I can recover. 

All my credit card companies insist on some sort of minimum payment which I can not make and will not work with me. 

All companies were contacted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and are constantly calling.
Product: Money transfer, virtual currency, or money service

Chime has denied me any sort of refunds of money that was transferred from my account to XXXX XXXX. I went back and forth with XXXX XXXX and chime for months. XXXX XXXX  sent the XXXX dollars back to chime to deposit to my account and they refused saying that it was XXXX XXXX that wasn't giving me back my money. I asked for statements and my statements were inaccurate. Spoke to multiple representatives and was assured i was going to get it. That was in XXXX of XXXX. I now currently have an issue where my wallet was stolen and now XXXX is missing from my account and i have disputes this XXXX times already and again keep getting assured that im eligible for provisional credit and im going to get my money back but this has been for over a month now. I lost my vehicle due to non payment and have now lost my job and home. I have documentation of Supervisors and Reps and call logs that i have talked to on theses matters that i can provide. I was also never notified by mail or otherwise about a lawsuit with chime taking place. I have been with chime since XXXX and all i want is my money back and to close this account for good. That doesnt include literally almost every dispute i have ever filed was denied. This company scams and takes money from you and doesnt care if you want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I found out that someone filed unemployment benefits in my name. I contacted the state agency. They advised me to visit identitytheft.gov. Following the prompts on that website, I decided to freeze and put fraud alerts on my 3 credit reports. 

When I got to Transunion, I was required to create an account and it said I could view my credit report so I did so. When I viewed it, I saw various " Account Review Inquiries ''. See attached. This listed the inquiry I made that day, XX/XX/21 ( via " Transunion XXXX '' ) as well as other inquiries that seemed plausible ( for example, XXXX, with whom I have an account ). However, it also showed me as having viewed my own credit report at least 3 other times via " Transunion XXXX '' over the last 3 months. This had me concerned someone had managed to get unauthorized access or create a Transunion account in my name. I could not tell if this is another " symptom '' of someone stealing my identity or if this is how aspects of my identity were stolen. 

I called Transunion. The first person took my information and said that she could only see the inquiry on XX/XX/21, not the others. She also indicated that the e-mail address I gave was the only one connected to the account. She said I should talk to " Disputes. '' The person in " Disputes '' said there was little point in disputing an account review inquiry because it didn't affect my credit score. I explained that I didn't want to dispute it per se, but rather needed Transunion to prevent other people from accessing my credit report. She told me I'd have to call " Transunion XXXX '' ( saying it was a separate company from the " Transunion XXXX XXXX' she worked for ) and gave me a different XXXX number. That number in fact routed back to the same Transunion main menu. I got a third person who offered to delete my online account but could not otherwise help.
Product: Mortgage

I previously filed a complaint against Wells Fargo Home Mortgage. In a " Company 's Interim Response '' on XX/XX/2020, Wells Fargo falsely claimed that " We've been unable to establish contact with our customer, XXXX XXXX. '' As a matter of fact, my telephone records will clearly indicate that I was able to successfully contact Wells Fargo on the following dates and times to seek assistance : XX/XX/2020 - XXXX XXXX. EST XX/XX/2020 - XXXX XXXX. EST XX/XX/2020 - XXXX XXXX EST XX/XX/2020 - XXXX XXXX. EST On each and every occasion, I was " assured '' that an email was being sent to my case manager, XXXX XXXX and that she would definitely give me a call back as soon as possible. Unfortunately, I NEVER received a return call nor any other type of communication from Ms . XXXX whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX  XXXX XXXX  Acct # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit card

The attached documents highlight my concern. I ask the bureau to launch an investigation into accounts where my timely payments are incorrectly recorded as late.
Product: Credit card

On XX/XX/XXXX I made a purchase using my Affirm card issued by Affirm through the XXXX XXXX. On XX/XX/XXXX the purchase arrived soaked in water with 1 of the 2 items not even being the correct item I ordered. I reached out to the merchant but did not get a response, so I initiated a dispute with the card issuer, Affirm. In order to initiate a dispute with the issuer, they require customer upload copies of their invoice, tracking information and any correspondence with the merchant, so I did. I also included photos of the damaged item. Days later associates from Affirm began to repeatedly ask me to send them documents, which they had already been provided. This went on for over a month, until they canceled my dispute and marked my payment toward the transaction as past due. Because of this my credit worthiness with the issuer has substantially suffered. The issuer has failed to comply with State and Federal laws and the Terms for Issuers set by XXXX.
Product: Debt collection

Bank of America is collecting a debt that does not belong to me. I was a victim of identity theft. I currently have a default judgment put in against me and have not had a chance to provide the court with my police report and FTC report. In the summons ( attached ) for case XXXX, Bank of America provides a credit card statement that has a XXXX XXXX address that I have never lived at ( XXXX resident my entire life ). This debt was obtained fraudulently and I am now being sued because of it. They need to prove the debt is mine by a signed agreement from me, proof of me obtaining/using the funds, etc. If not, this is a violation of FCRA. I have already reported to the credit bureaus and put a fraud alert on all my reports. They then verified that the debt was not mine with Bank of America and have since then removed the fraudulent account from all reports. Bank of America still pursued me after the fact.
Product: Credit reporting or other personal consumer reports

I recently received the results of my credit dispute investigation. I noticed that some accounts were verified, and I have several questions regarding the investigation process and the updates made to my credit report. 

What did you update? 

What did you modify? 

Did you really investigate my accounts? 

Additionally, I request the following information for each verified account : Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX XXXX Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681 XXXX 15 USC 1681-2 Account Name XXXX XXXX Date of Verification : XX/XX/XXXX & XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2 Account Name : XXXX  Date of Verification : XX/XX/XXXX Action Requested : Please delete this account from my records per USC Code 15 USC 1681, 15 USC 1681-2
Product: Student loan

I XXXX XXXX was a student at XXXX College in 2016 XXXX class. I took a Naviet loan and signed a promisarry3 note to repay. No problem. I completed more than half my courses with 400 hours left to graduate. I had a issue with another student and they chose to dismisted me and kept the other student. This was at the end of module. I tried to resume back to complete my 400 of my 1200 hours and i was denied. Then i went to another XXXX  school thinking my 800 hours wpuld follow me XXXX College told me to gety official transcript from the website but i could not because they did not sign off on my hours because they claim i owed them {$4000.00}. i asked how i owe you when you got money from my student loan for this period and didnt give me a refund. They stated that they returned the loan. if i had not been contact by Naveit i wpuld not have lnown they robbed me. The loan department and FASA stated there was no return of money. This is on my credit report and im out of hpurs i actually put in and was denied to complete my education.
Product: Debt collection

I have reached out to XXXX, XXXX and Equifax via certified mail on the following dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021 for VALIDATION and not verification of debt reporting to all three credit bureaus as charge off. I have NEVER received validation of this debt. The following accounts were : XXXX XXXX XXXX XXXX ( two charge off accounts ) and Department of EducationXXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. I have also requested resources on how they VALIDATED the debt and NOT verified. The amounts reporting to my credit continues to increases with different reported dates. As of todays date I gave not received a response regarding my certified mailed letters.The information they are reporting on my report is not valid and I demand for it to be deleted off of my report immediately.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>