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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 3. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 14XXXX there is some inaccurate information reporting. XXXX  Account Number : XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

In XX/XX/2020, XXXX XXXX renewed my auto insurance without my permission or validation. I was not driving at the time either. In fact, i am XXXX and unable XXXX XXXX. I was hospitalized in XX/XX/2020 for a week due to XXXX XXXX. I was unable to make decisions at the time as i was extremely unwell. I had no energy to dispute. It is the only negative mark on my credit and it is preventing me from getting housing. I was homeless because of the charge. Please can you help me get this goodwill charge taken off? I did not agree to it and i feel like they took advantage of me being XXXX and unable to dispute.
Product: Credit card

I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America. 
While applying there was a special offer : XXXX Bonus Miles + XXXX XXXX ( XXXXXXXX XXXX ). After making {$3000.00} or more in purchases within the first 90 days of your account opening. Plus, get XXXX XXXX upon approval. The agent I spoke to when I received a call from Bank of America to verify some information repeated and confirmed the same offer! 

While receiving my card I got a flyer with the same offer. A few days later I lost my wallet and had to replace my card. I receive my card with a different offer : XXXX Bonus Miles after making {$3000.00} or more in purchases within the first XXXX days. Plus, get XXXX XXXX upon approval. 

I immediately contacted Bank of America Customer Service about the different of offers. They opened a case and investigated my complain. A few days after, they told me that it was a mistake and the offer was only XXXX Bonus Miles. 

I told them that the confirmation I received while applying with the conditions says : Bonus Miles and XXXX Offer. Receive XXXX XXXX upon account opening. Limit one opening of account XXXX bonus offer per XXXX XXXX member. You will qualify for XXXX bonus miles and an additional XXXXXXXX XXXX if you use your new credit card account to make any combination of purchase transactions totaling at least {$3000.00} ( excluding any fees, such as the annual fee ) that post to your account within 90 days of the account open date. 

They just replied : " we are sorry, you can visit a branch ''. 

I contacted directly XXXX XXXX they have confirmed the offer of XXXX XXXX upon approval + XXXX bonus miles and an additional XXXXXXXX XXXX However, they told me to see directly with Bank of America.
Product: Debt collection

They reached out too me I sent a letter back stating I didn't know them or who they claim too represent. 
I then asked for them to send proof I owed this said debt that I know nothing about they continue to call n call they sent over a history of transaction I wasn't familiar with but none of the other stuff I asked for. Within that letter I said too them if u can't send me everything I'm asking you for please stop invading my privacy and don't not contact me anymore with this fraud. Next thing I know they sending me court documents so I answered back too the courts stating I don't know them an there trying to extort me these people never gave me proof I owed them or they had any true connection with me myself my privacy has been invaded by them an the so called original creditor
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) update from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Please remove this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed ans a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under tracking. According to tracking- debt rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block and delete this information from my credit report within four days, pursuant to section 605C of The Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and I would like for all listing accounts to be blocked and deleted company information from XXXX XXXX  from Experian hard inquiries I didn't authorize them XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, ( XXXX XXXX ) There are inquiries on my XXXX and Experian credit report I didnt authorize. I spoke with a supervisor at XXXX by the name of XXXX she insist she would reach out to XXXX and have it deleted because she couldnt find me in their system, also theres another inquiry XXXX which I didnt authorize I spoke with XXXX XXXX insist I called the bureaus and have it deleted, I contacted XXXX XXXX XXXX spoke with someone name XXXX who asked me did I reach out to the bureaus directly if not he suggest I do so, and he asked am I a victim of IDENTITY THEFT I immediately told him yes he suggested I contact the bureau, Ive reached out to XXXX XXXXXXXX XXXX I Didnt get an answer directly but these inquiries arent authorized They were placed on my credit report XX/XX/year> there a FTC report attached and also theres an email I received form one of the CEOs regarding this inquiry. Please take a look into this and remove these inquiries also I received an email regarding the complaint with XXXX but no response on the CFPB as of yet. please remove these from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are XXXX, XXXX and TransUnion!
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A EXPERIAN CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022
Product: Checking or savings account

Bank of America has taken at least over {$100.00} from my account within the past month. And have been eating my whole paycheck, causing my bank account to be always negative.
Product: Credit card or prepaid card

I purchased furniture through the XXXX XXXX XXXX & they gave me a promotional no interest for 18 months payment plan. I have the payments on XXXX & have never been late. XX/XX/2022 my total closing statement balance was {$3300.00} & A payment was debited out of my account for {$500.00} taking the total balance to {$2800.00}. 

My XX/XX/2022 closing statement comes & I notice my total balance is still {$2800.00} they debit my account again for {$500.00}, Yet I notice a " Interest charge of {$3900.00} making my new balance $ {$6300.00}??? 

I called the Customer service line @ XXXX & speak with a Customer service Rep & she informs me that since my promotional 0 % interest had expired they were charging me the accrued interest on what the total purchase was at the time I took the account out {$14000.00}. 

We had a dispute about charging interest of paid balances and she basically said they would just report me to credit bureau and ruin my perfect credit score if i did not pay the accrued interest. 

I went to on line on XX/XX/2022 and paid the full balance of {$2800.00} and when i check the site this morning. they took all those funds and applied them to interest only none to principal. 

This seems to be a highly unethical business practice & charging {$3900.00} of interest on a total statement balance of {$28000.00} is an illegal business from what I read.
Product: Credit card

I have a Southwest Rewards Credit Card from Chase. I called Chase customer service on XX/XX/year>, since I hadn't been using promotional offers that came with Southwest Rewards, and I wanted to board early for a flight that day. The Chase customer service representative told me on the phone that I would be reimbursed for purchasing this on the Southwest app, because I have the Southwest Rewards Credit Card. Part of the reason I called first - was to make sure there wasn't a special process I needed to follow. I purchased early boarding on XX/XX/XXXX through the Southwest App. Now, Chase is saying that this isn't one of the promotions for the credit card I have, and they won't reimburse me for the {$90.00}. I already disputed the charge with Chase. They have sent me a letter dated XX/XX/year> that they consider the disputed charge valid. If I can't trust them when I speak with their representatives, then I want the card cancelled and my annual fees returned with no negative repercussions on my credit ratings.
Product: Credit card or prepaid card

XXXX = XXXX, funds, money ( s ), currency. 
Not Enough Cash = To have not enough cash to cover the cost of a transaction using the Cash Card.

Canceled = A posted, acknowledged and or accepted transaction that was canceled by the merchant or consumer using the method necessary to cancel a transaction of sale.

I did not have enough cash in my account to complete the transaction ( s ). Despite what the merchant displayed the price to be and charged another to me. Did the account have enough cash to cover the purchase the merchant displayed to the company Cashapp?
Product: Credit card

After my husband was tragically killed, I canceled our XXXX credit card issued by U.S. Bank, submitting the required death certificate. When I sold a car some months later, XXXX XXXX sent a partial premium refund of XXXX to the last card used, which was this credit card. Even though the account had been closed, US Bank accepted the refund! Now they are requiring me to jump though hoops and submit testamentary letters to get the refund, which they promise within 90 days. I am moving in two months, and the post office will not forward mail from my XXXX XXXX because it is part of a larger entity and considered a business address. because I have no control over when US Bank will send this check, I have no assurance of receiving it after I move to California. 
1 ) Credit card company should be prohibited from allowing any activity on an account that has been closed! 
2 ) On active accounts, they should be required to pay interest at the same interest rate they are charging that particular customer on any credit balance in their possession, with an additional late fee of {$35.00} if the refund check has not been mailed in 60-days. 
I am sick of their predatory practices.
Product: Debt collection

I received a notice that my credit score had dropped. Checked and saw a debt collection from Sequium Asset Solutions for XXXX from a XXXX XXXX  account in NV. Turns out someone opened this account in my name and XXXX did not verify any of the information or have any proof I opened the account despite going in person to install it in NV. I have been trying for over a month to have the debt removed and it is impacting my credit. I have filled out a police report. I believe that XXXX is negligent in letting people set up accounts without any standard verification and then it is impossible to get the debt removed so if you need your credit fixed you end up paying it - even if it is a scam. This is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit card or prepaid card

First Progress ( prepaid credit card ) is a joke! A scam. Seriously, no one should use them. You get no monthly statements. The only one I received was when I wanted to stop using them. Contacting them is another joke. Picture an automated system that runs you around in circles. Over and over again, pushing buttons, and then the automated message says " good bye. '' ( Hey, you can't make this XXXX up! ) Then try getting your money back when you cancel with them. As I write this, it's been over three months to get my ( yes my ) {$510.00} dollars back from them. First it was two months. Then they told me it got mailed. ( total XXXX! never mailed ). Then they wanted me to fax them a statement saying " I didn't receive my money ''. My first question was " who uses faxes in todays world? '' ( Scam. ) My next question was " why don't you check to see if it was cashed? '' ( Of course they won't do that ... it's a scam. ) Called them back again, and now I have to mail it. People should run away from this company!!!! They are a scam! 

I've closed my account over three months ago and they still haven't paid me MY {$510.00} ON PREPAID CREDIT CARD. 

*****First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank XXXX XXXX XXXX GA, member FDIC XXXX card ending in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against CarMax Auto Finance regarding their handling of my vehicle repossession, specifically the lack of proper notification and failure to comply with consumer protection laws. The details of the complaint are outlined as follows : 1. Lack of Written Notification of Repossession : I was never notified in writing of the repossession of my vehicle. According to federal and Delaware state laws, creditors are required to provide written notice prior to repossession. However, I received no such notice from CarMax Auto Finance.

2. Failure to Provide Notification of Reclamation Procedures : Following the repossession, I did not receive any notification regarding how or when I could reclaim my vehicle at auction. This lack of communication deprived me of my rights as a consumer and prevented me from taking necessary actions to mitigate the situation.

3. Absence of Notice Regarding Auction Sale Proceeds : Additionally, CarMax Auto Finance failed to provide me with a letter stating the amount for which my vehicle was sold at auction. This lack of transparency violates consumer protection laws and deprives me of crucial information regarding the disposition of my asset.

4. Failure to Provide Required Tax Documentation for Charged Off Account : Furthermore, the account related to the repossession was charged off by CarMax Auto Finance. Under federal law, companies are required to issue a Form 1099-C to taxpayers when a debt is canceled or forgiven. However, I did not receive any such documentation from CarMax Auto Finance, despite the account being charged off.

I believe that CarMax Auto Finance 's actions not only violate federal and state consumer protection laws but also demonstrate a disregard for ethical business practices.
Product: Mortgage

My mortgage was transferred from XXXX to Loan Care LLC end of XX/XX/2019. Since  my account at Loan Care was not set up, I made my XXXX payment via my bank 's bill pay. I set it up on XX/XX/19 and have verified with my FI that it went out electronically ( not check ) to Loan Care on XX/XX/19. fund came out of my account XXXX also. Loan Care still has not posted it. I have called at least 4 times, each time having to wade through a phone tree for at least 7 minutes, then on hold, then talk to reps who will not take accountability. First call on XXXX resulted in rep telling me bill pay can take up to 10 days to be received and posted ( even though electronic ) so i needed to give it until at least the 10th. I called after that and was told to send info- including showing my checking account was not negative at time! - to escalated payment research. I sent the first email to XXXX  ( escalated payment research ) on XX/XX/XXXX with my account info and showing the bill pay. I received only an automated response. since I did not hear, I called again and was told to track bill pay. on XX/XX/XXXX I sent the debit transaction # and the bill pay confirmation #, and I verified I sent to correct " address ''. I received automated response. I called on XXXX rep was unresponsive again. I called XX/XX/19, asking for manager- was transferred to 2 different people who are not managers. Last person, still not mgr, said she will submit forms to escalate and then put me on hold for 10 minutes, never came back. 
On XXXX, I received an email response that said " Dear Valued Customer, To research this request, we would need a copy of the cashed check both front & back, and the electronic transmittal form from your bank. 
Your request has been resolved and this ticket has been closed. " My payment was sent electronically, not check- and I gave them the electronic tracking info. They still have not posted my payment, so they should not be able to close this ticket. I made the XXXX payment on their website and it has been posted as the XXXX payment, making it look like I still owe XXXX. The only responses I am getting from Loan Care are either automated or collection calls. I have wasted at least 5 hours of my time, away from work, I have sent them everything necessary to track my payment, I have requested that they update me on progress or lack thereof, and Loan Care has done absolutely nothing or even explained.

I know I am not only one in this situation, as there are complaints all over internet. they obviously are swamped with this transfer. But they need to take responsibility, accountability, and get this done! 
Thank you!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX