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

I recently reviewed my credit report and noticed that I frequently accounts on my credit report. Please remove all fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home and get access to my credit files and have my reports as accurate as possible and seem to get nothing but pushback from Equifax. 

I have multitudes of misinformation on my reports primarily with my name, address, and a crazy amount of inquiries. 
I also had credit card fraud that they have refused to assist with even though I have police reports and submitted a report to the XXXX 

They have now frozen me out of my account and refuse to give me or anyone access to my reports for the purpose of purchasing me a home and causing me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this compliant against    XXXX   XXXX   XXXX     XXXX  and  XXXX  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  &  XXXX  continue to reported this account as verified, without proof. However  XXXX  has removed this account from my credit report.
Product: Checking or savings account

Tellar assulted me. Key bank keeps blocking my acct. I have been discriminated against and they have been investigating for over 6months now.
Product: Payday loan, title loan, or personal loan

I believe that they have been foraging paperwork for over a year now, and I need someone to look at this for me. My bank statement reflects that I made a payment of {$1000.00} on XX/XX/XXXX however Title Max and XXXX is claiming that I have a late fee or a late payment that was due on XX/XX/XXXX. How can this be so when my bank shows that I paid {$1000.00}. Not only this with the documents were forged in a different amount than what I paid when I called to ask them about this to try to have it rectified, because I still want my loan to be paid off the person on the other end of the line shows to speak to me, like some sort of XXXX, and ended up putting my account in default when it should not be. I am seeking assistance on this as I feel that paperwork has been forged for almost a year now. My account XXXX show as Current as of XX/XX/XXXX. I will not be making any payments until this is fixed. I would like to look into all the money that they have been taking from me each time I signed their forged paperwork over the year.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : 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

Notified XX/XX/XXXX by I.Q. Data International , Inc. that I have an outstanding debt with XXXX XXXX in the amount of {$540.00}. Notified I.Q. Data International, Inc.in writing and email that I am disputing the alleged debt as I do not owe it. Contacted XXXX XXXX about dispute and was issued a refund as it was a accounting error on their part. Refund Check Number XXXX in the amount of {$1300.00} dated XX/XX/XXXX.
Product: Debt collection

CarMax XXXX XXXX, XXXX XXXX : Customer Service Department XXXX XXXX XXXX XXXX XXXX, VA XXXX I am writing to formally dispute the alleged debt you claim I owe and to express my serious concerns about the deceptive practices employed by CarMax XXXX XXXX XXXX XXXX, which induced me into signing a contract that was unfair and one-sided. Despite my efforts to resolve this matter, including filing for arbitration, CarMax has failed to respond to my claims, and instead, has engaged in behavior that I believe violates both federal consumer protection laws and Texas state laws. 

Background and Allegations I assert that CarMax used deceptive practices to secure my endorsement of a contract that was not only one-sided but also failed to adequately disclose essential terms and risks. Following this, I filed for bankruptcy to involve the courts in seeking a fair resolution. Instead of addressing this through the appropriate legal channels, CarMax chose not to appear in court and, instead, sent a repossession company to my home, which I believe was a deliberate attempt to circumvent my legal rights. 

Violations of Federal and Texas State Law CarMaxs actions are in direct violation of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from unfair and deceptive practices in lending and debt collection. Furthermore, under Texas state law, specifically Chapter 392 of the Texas Finance Code, it is unlawful for creditors to employ deceitful practices to collect on a debt. CarMaxs failure to provide full and fair disclosures at the time of contract execution, coupled with their subsequent behavior, constitutes a breach of these protections. 

Arbitration and Lack of Response I have filed for arbitration against CarMax in good faith, providing detailed claims regarding their deceptive practices and unfair treatment. To date, CarMax has not responded to my claims within the arbitration process, further indicating a lack of commitment to resolving this matter responsibly.

Should CarMax continue to ignore my requests and legal filings, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Department of Banking, and other relevant authorities. 

I expect a timely and thorough response to this dispute. Failure to address these concerns will leave me with no choice but to pursue all available legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, XXXX, AND EXPERIAN ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.
Product: Credit card

I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now. 
I feel like they are employing tactics that were outlawed for a few years now.
Product: Payday loan, title loan, or personal loan

I had to change my bank card number. I went into my account and updated my card information so that they could still receive payment. It worked for a few days afterwards then I received A email On XX/XX/XXXX saying {$16.00} was not paid and oh no you could be in trouble for not paying which would result in me not being able to spend. I then reached out to them and said the money is in my bank account I don't understand why you can't get it are you using my new card. I did not receive a response. I did not want the payment to be late and have my spending cut down so I went in found which payment was due fixed it and paid on XX/XX/XXXX. I updated my card information on XX/XX/XXXX. Nobody would get back with me they told me they would call me but they never called me I waited all day for their phone call then A friend said try to go in and change every payment that is Used by the old card and replace it with the new. I did that on Wednesday the XXXX of XXXX I was then able to use my card and I purchased gas for {$40.00} it said I had a available spending limit of {$300.00} I believe and my line a credit that they offered me was {$600.00}. I wanted to purchase something so I made payments early so that I could make my purchase. On XX/XX/XXXX I tried to make a purchase and I was unable to it said that I had {$0.00} to spend. I reached out to the company again very frustrated asked them what is going on and they send me the same letter back. Nobody is returning my phone calls nobody is returning my messages I don't feel that it's right once they received all my updated card information they stopped me from being able to use their service but I have never been late. I feel because I reached out to the XXXX XXXX XXXX that I was retaliated against. I have also screenshotted all our correspondents back-and-forth mainly on my side because they don't talk back to me. This is also not right because I am trying to build credit as well.
Product: Money transfer, virtual currency, or money service

I was looking to purchase XXXX Obama tickets online from XXXX. The event was on Thursday XX/XX/2019 I contacted the seller ( in this listing - https : XXXX ), who said his name was XXXX on Monday XX/XX/2019. 

I communicated through text ( text thread is attached : XXXX - XXXX ) and twice over the phone with the seller and the agreement was that I would purchase XXXX tickets for {$650.00}. The seller asked to use XXXX XXXX instead of meeting up in person, and asked to be paid through XXXX. The seller also mentioned they used XXXX as their main bank. 

On the evening of Tuesday, XX/XX/2019 the seller received my payment through XXXX but did not send the tickets through XXXX XXXX. I repeatedly called the seller and sent a screenshot of my XXXX account ( XXXX ). I did not receive a text, or phone call or any other communications from the seller from that point. 

I am confident that this seller is defrauding users using XXXX because coincidentally, I had a friend who was in contact with this same seller. They communicated through text message and over the phone as well. On the craigslist listing, the seller claimed to have 4 tickets for sale. The evening of XX/XX/2019 around XXXX I sent my payment of {$650.00} ( for 3 of the supposed 4 tickets on sale ) through XXXX. My friend who was in contact with the seller did not send them any money, but inquired about purchasing all 4 tickets around XXXX Wednesday XX/XX/2019. The seller agreed to sell my friend all 4 tickets even though the seller had received my payment for XXXX of those tickets ( XXXX, XXXX, XXXX ). 

The next day, Wednesday XX/XX/2019, I visited the Chase branch on XXXX XXXX XXXX, XXXX, TX. I spoke with a representative and explained the situation and they said they would make an attempt to reverse the transaction and would let me know the result of their findings. On Saturday XX/XX/2019 I filed a police report with the city of XXXX ( Report. No : XXXX )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Im a victim of identity theft. I noticed two fraudulent accounts on my credit report in XXXX of XXXX. The accounts are XXXX XXXX account number XXXX in the amount of {$27000.00} and XXXX account number XXXX in the amount of {$8100.00}. I made 2 FTC reports the first one report # is XXXX and the second one report # is XXXX. Ive uploaded and mailed in a copy of each to Experian with no help. I also included a copy of my license and utility bill. I made a police report number, XXXX number XXXX and the incident number XXXX. The officers name is XXXX XXXX badge number XXXX unit XXXX from the XXXX Police Department in Michigan. Ive contacted Experian several times with no resolution. Under the FCRA law Section 605B of the Fair Credit Reporting Act ( FCRA ) allows identity theft victims to block fraudulent information from their credit reports. This law is found at 15 U.S.C. 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 XXXX  : {$420.00}
Product: Checking or savings account

As of XXXX of 2024, my debit card has been compromised over 5 times since XXXX of this year. I know that the problem lies within this bank institution. One other major problem, I had a personal credit card that was also compromised almost within a week of my debit card also being compromised. I paid off the credit card in XXXX and about XXXX months later my credit card was compromised. I say it was this banking institution because they had to pay the card from my checking account which was linked to the bank. The credit card was linked to my checking account and the bank was the one who had to make the final payment to the credit card. There was no one else with access to this credit card except this financial institution. 
The debit card problem ( compromised ) occurred several times last year. I am going to the bank on Monday the XXXX, to see what they can tell me. I have tried talking to their security team who called me and told me about my debit card compromised. They explained they can't tell me where the problem originated from. 

I don't know how you can help! But I have to try and hopefully protect others.
Product: Credit card

American Express issued a XXXX XXXX to XXXX, XXXX - a company I helped manage, though I was not the primary owner ( 12.5 % while the majority owner, XXXX XXXX had 83 % ). In late XXXX, the company was placed into Receivership and on XX/XX/2024, XXXX XXXX XXXX the Receivership Trustee with the help of Company Attorney XXXX XXXX XXXX sent a settlement letter to AMEX regarding XXXXXXXX XXXX  account. 

AMEX cashed the Receiver 's settlement check, tacitly accepting the settlement offer, but then didn't close the account. Nor, if AMEX didn't want to accept the settlement did it contact XXXX XXXX, XXXX XXXX or myself. 

As a result of the XXXX XXXX XXXX account not having been closed out as paid, AMEX treated it as past due and then shut off my personal AMEX platinum card. When I called in to inquire, AMEX said I am the guarantor and responsible for the account. I asked for documentation of this - because I don't recall ever agreeing to being a guarantor. To date despite numerous calls and requests, I have not seen any documentation that I am a personal guarantor. 

Since late XXXX I have had numerous calls with AMEX, frequently being passed between departments and getting differing answers. On XX/XX/XXXX, a very helpful member of the XXXX XXXX asked me to fax XXXX XXXX ' letter and proof of the cashed check to the XXXX XXXX XXXX which I did along with contact information for XXXX XXXX and XXXX XXXX so AMEX could be in touch to communicate on the resolution or any further issues. After two weeks of no one hearing from AMEX, I called again today. 

I was told by the Credit Department that they can not contact XXXX XXXX or XXXX. They don't recognize the matter settled because they don't take settlements. Despite my pointing out that they did accept the settlement, they said it's against their policy and they have no one in any department who can speak with me further about the issue - or who will speak to XXXX XXXX or XXXX XXXX. I pointed out that this leaves XXXX XXXX and XXXX XXXX only the pathway of legal action to resolve the issue- which seems silly and wasteful and that there must be someone in AMEX who can discuss the issue with XXXX XXXX and XXXX XXXX who are better versed in the law and the requirements that go with accepting money from a Receivership account than I am. But since I can't find any contact, I'm registering a complain here in hopes of finding someone empowered to communicate and resolve the issue.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against XXXX, Equifax, XXXX, regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX 2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX 3. Incorrect Contact Information : The phone number is XXXX, please be updated as my primary contact number.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting or other personal consumer reports

Date Submitted XXXX XX/XX/2024 Disputed with Company MRS BPO XX/XX/2024 sent via Web portal I haven't received information from company to validate debt.
Product: Debt collection

The seller of the auto USA Santander Consumer agency sold th is car to me without disclosing the condition of t he car. The XXXX XXXX XXXX XXXX had a very bad deficiencies with the breaks that made the car low, stop right in the tracffice on the freeway .Also the car would n't breaks, it could be very danger because the malfunction who made by the car dealer XXXX XXXX, and with a recall after buying in this condition. I would like this problems solved because of the insufficient lack of safety when it was sold to me unrighteous. And could cause death to me or someone why driving it. I volunteer gving back them because of this problem they did n't give me an option in the situation to solve the condition.Now it is on my credit to collect for it after these notification. from the dealership .and now I have purchase a car through the third party on this Loan from Santander USA through XXXX XXXX XXXX XXXX
Product: Debt collection

This company is reporting a debt I have no knowledge of and for which I never received a notice of debt from the company as rquired by the Fair Debt Collection Practices Act. Therefore, on XXXX XXXX, 2016, I requested they provide me with info on this debt per certified letter. ( see attached letter ) and they have failed to provide this information. This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX  - XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX - XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX - XXXX {$8200.00} XXXX XXXX - XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX - XXXX {$400.00}
Product: Credit reporting

i have disputed the XXXX XXXX credit card acct for the last 6month. i XX/XX/XXXX they reported all of XX/XX/XXXX-XX/XX/XXXX. they have not reported on my acct since XX/XX/XXXX. XX/XX/XXXX i had a credit limit on both accts and on XX/XX/XXXX. i did not have a credit limit on either acct.they also change acct number changed pass due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX account is fraud. Never open account with XXXX for any services. Filed ID theft report as fraud. Request information of verification. 

Remove from Credit File
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1500.00}