23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was sent an adverse action from CARMAX INC on XX/XX/XXXX. I in good faith applied for a XXXX XXXX XXXX and was denied. My credit card was used and I received no benefit which is an unauthorized use of a credit card. Pursuant to 15 USC 1602 ( f ) credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I exercised my right and was denied. They are in violation of 15 USC 1681 ( a ) ( 3 ). They are also requiring a down payment which is a violation of 15 USC 1605 ( a ) which states the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So no cash should be required for a consumer credit transaction. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX CARMAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : ADVERSE ACTION Dear CARMAX INC I , the consumer and natural person, was denied credit by CARMAX INC when I applied for a XXXX XXXX XXXX XXXX # XXXX. 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692k.

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by CARAX INC due to the response I received. 
CARMAX is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I am the creditor per 15 USC 1602 ( g ). 
Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CARMAX INC.

If CARMAX INC fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make CARMAX INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

Notified XXXX XXXX on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).  Never received any mail from XXXX XXXX.
Product: Checking or savings account

On Sunday morning XX/XX/XXXX I was notified by text that withdrawals were being made on my account. I immediately canceled debit card and Monday morning was at local branch and signed paper work for a fraud case. They have denied me saying that it passed their fraud credentials. I live more than an hour from where transaction to place and I was told that another attempt was tried Monday morning but was denied. XXXX XXXX was the time they said the attempt was and I was at work clocked in waiting on bank to open. I have maintained possession of card the whole time and even showed them the card. I dont know what else to do and they are treating me as if I stoled my own money. Please help.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit file disclosure from Innovis XX/XX/XXXX via internet to to verify if such credit file existed. Upon learning that there was an existing, unauthorized credit file, I disputed the information within the file and requested removal. Innovis continued furnish my private information without my consent. Pursuant to FCRA USC 15 1681, consumer 's have a right to privacy and I never provided written instructions for Innovis to furnish to my consumer file pursuant to USC 15 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX  XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report.

As evidence of this claim, I am providing proof of my involvement in the Equifax data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim.

Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

To Who it may Concern : I have contacted XXXX XXXX, XXXX, and Equifax more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeXXXX XXXX shows a last date active of XX/XX/XXXX, XXXX showed a date of XX/XX/XXXX, and Equifax showed a date of XX/XX/XXXX. XXXX XXXX has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?
Product: Credit card or prepaid card

On XX/XX/XXXX using my bank of America credit card I purchased from XXXX XXXX XXXX tickets totalling {$2800.00}. Due to pandemic the game scheduled in XX/XX/XXXX was canceled. For weeks I attempted to reach the company with no success. I submitted a claim with bank of America to recover my funds in XX/XX/XXXX, and was issued a temporary credit. Finally in XXXX XXXX XXXX decided to offer website credits for the amount of my purchase and I have until XXXX to use or lose my credit. During the transaction it was clearly posted on the website if the event was canceled I would be entitled to a full refund. I reached out to bank of America and was told because the merchant offered the credit voucher they would not support my claim. I would like the full amount of my purchase returned to my credit card as well as any interest charged.
Product: Mortgage

SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.
Product: Debt collection

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Bank account or service

I went to get a check cashed for services I performed. They refused to cash it. Instead of calling the account holder, they told me to return it to them. This was at XXXX locations. They told me to put it on my back account, although it was a Chasemail account.
Product: Checking or savings account

I deposited a check on my phone then received 3 more of the same exact Federal Reserve state checks for the same amount for back payment of over payment of child support. I then went to the bank and deposited the one I already used mobile deposit for. Bank of America said it was Fraud. I paid them back in full but unable to open other accounts. This is really hurting me for work because I need a travel credit card for work but they wont approve me because of this. Bank of America also said they will review my case once paid in full and remove the comment. But still haven't. I have to use pre paid debit cards and this is making everything hard especially trying to purchase a home.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MI XXXX 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

I'm unaware of this debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it my signature on it.
Product: Credit reporting or other personal consumer reports

I tried to fix my credit report since last month but still no recieving any response from you. please please delete all the negative items immediately Here 's the list Account Name : XXXX Balance : {$960.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance {$900.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance {$1100.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$620.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  Balance : {$850.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$640.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  Balance : {$680.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$490.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$720.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Balance : {$650.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$600.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX  XXXX state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under the Fair debt collection practices act as well as the fair debt collection practices acts have been violated by these companies in the following ways : 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
2. ) 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And they do NOT have my permission to put this on my report.