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

On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX XXXX  from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax Finance Services says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the XXXX warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX. - XX/XX/2022 XXXX  XXXX XXXX  - XX/XX/2022 XXXX  XXXX XXXX  - XX/XX/2022 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

15 U.S. Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022, a check that we wrote was fraudulently altered and cashed by Wells Fargo. Our bank, XXXX XXXX, opened a case and we filed an affidavit the day we discovered the fraud. Wells Fargo had contacted us by phone ( left message ) and by email the same week of XX/XX/ 2022, to let us know that they suspected check fraud happened. They somehow still cashed the check by the time we responded to them and now we can't seem to get our money back. It is clear to us that Wells Fargo suspected the fraud and yet cashed the check anyway. Our bank, XXXX XXXX, has contacted Wells Fargo multiple times and they have not responded, to the best of our knowledge. 

XXXXXXXX XXXX case number : XXXX Check amount : {$18000.00} Cashed on XXXX, XXXX, 2022
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX XXXX 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
Product: Debt collection

I want to see a lease with my signature on it with the address that the appliance was supposably delivered too and I want a signed contract with said company with my name on it and I would also like a valid email because the one you previously responded with does not belong to me
Product: Debt collection

I am getting repeated calls from a company call ed CMRE Financial ser vices saying they are trying to collect on a debt which does n't exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..
Product: Credit reporting or other personal consumer reports

On XX/XX/23 Experian responded to complaint # XXXX regarding an inaccurate bankruptcy reporting on my consumer report. According to Experian, the furnisher has verified the " Remaining of information '' which is unclear. I am requesting the name of the data furnisher Experian has contacted in accordance with 15 USC 1681g ( a ) ( 2 ) which states : ( a ) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer : ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, that in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

I am requesting the information/documentation used to verify this record. Experian has already admitted several times that it did not contact the bankruptcy court. I am clearly requesting the name of this public record vendor so that I may dispute this inaccurate, damaging record from my file. Experian has already been supplied with an official letter from the courts in which they continue to ignore. Experian has already been supplied with an official letter from a public record vendor who admitted to providing the information to Experian. Experian is creating hardship in my life by reporting this inaccurate record. I have not given Experian or any other data furnisher permission to use my non-public information such as name, address, and SSN.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurate and Inconsistent Credit Information Dear CFPB Representative, I am writing to file a formal complaint regarding the inaccurate, inconsistent, and outdated information reported on my Experian and XXXX credit files. Despite submitting disputes directly to these credit bureaus, the errors have not been corrected. These inaccuracies are adversely affecting my creditworthiness, and I request that the CFPB intervene to ensure that all erroneous data is permanently deleted. 

Areas of Concern : 1. Personal Information and Address Discrepancies : My Experian report ( dated XX/XX/year> ) lists my current address as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, while my XXXX report ( dated XX/XX/year> ) shows a different current address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Multiple other addresses are present that no longer apply. This multiplicity of addresses and variations in my name ( e.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) create confusion and should be corrected. 
2. Employment Information Inaccuracies : Both reports include employment entries ( such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that are outdated or no longer applicable to my current work status. Such inaccuracies distort my file and misrepresent my credit profile.

3. Inconsistent Account Status Reporting : For example, the XXXX XXXX XXXX account is reported as Closed Charge-Off with a balance of {$1000.00} on the Experian report, whereas the XXXX report similarly notes a charge-off but with conflicting summary information. 
Additionally, duplicate or split entries ( as observed with XXXX XXXX ) may be present, further skewing the accuracy of my credit history.

4. Summary Versus Detailed Data Discrepancies : The summary information ( such as the number of closed accounts or collections ) does not align with the detailed account listings, suggesting that the overall file does not accurately reflect my true credit history. 

I have enclosed copies of my credit reports from both Experian and XXXX.
Product: Consumer Loan

I PURCHASED A VEHICLE THROUGH AMERICA 'S CAR-MART OF XXXX XXXX, MO ON XX/XX/XXXX. WHEN I PURCHASED THE VEHICLE I WAS TOLD THEY REPORT TO CREDIT BUREAU AND IT WOULD LIST AS " COLONIAL AUTO FINANCE '', WHICH WAS WHAT I WAS LOOKING FOR, SO I COULD REBUILD MY CREDIT. I WAS ALSO TOLD, AFTER ABOUT A YEAR, I CAN TRADE IT BACK IN ON SOMETHING ELSE AS LONG AS I HAVE GOOD PAY HISTORY AND I VEHICLE IS STILL IN GOOD CONDITION. A FEW MTHS AFTER PURCHASING THE VEHICLE I PULLED MY CREDIT REPORT AND NOTICED " COLONIAL AUTO FINANCE '' WAS N'T SHOWING. I THEN WENT TO CAR-MART PERSONALLY AND EXPRESSED MY CONCERN. I EXPLAINED TO THEM I WAS SOLD UNDER THE IMPRESSION, IT WOULD REPORT TO CREDIT AND IT IS N'T SHOWING UP. & I WAS MISREPRESENTED. I WAS TOLD, THEY HAD ALOT OF COMPLAINTS ABOUT THE SAME THING FROM OTHER CUSTOMERS. I EXPLAINED HOW I WAS MISREPRESENTED AND I WANT OUT FROM UNDERNEATH THE VEHICLE. I WAS TOLD, THERE 'S NOTHING THEY COULD DO.I PULLED MY CREDIT REPORT A FEW MORE TIMES AND I REPEATIDLY COMPLAINED ABOUT THE MISREPRESENTATION & HOW IT STILL WAS N'T ON MY CREDIT REPORT. AS I STATED, I PURCHASED THE VEHICLE IN XX/XX/XXXX AND IT ALL THE SUDDENS SHOWS UP ON MY CREDIT XX/XX/XXXX. ALTHOUGH IT WAS REPORTED, THE INFO ON MY REPORT WAS N'T ACCURATE. WHEN THEY REPORTED IT, THE DID N'T GIVE ME MY POINTS FROM ALL THE MONTHS OF ON TIME PYMTS AND THEY PUT IT ON THERE LIKE I JUST PURCHASED THE VEHICLE, WHICH WAS N'T TRUE. OF COARSE MY CREDIT SCORE DROPPED DRASICLY WHICH I HAD BEEN REBUILDING ALL YEAR LONG. AFTER SEEING THAT, I CONTACTED CAR-MART AND WAS TOLD I NEEDED TO CONTACT CORPORATE, SO I DID. I SPOKE TO A GENTLEMAN & HE ASKED ME " WHAT I WANTED HIM TO DO ABOUT IT? '' TAKE IT OFF?? AND I WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS AND TELL THEM TO CORRECT IT. WHICH IT WOULD N'T MAKE DIFFERENCE BECAUSE THEY SHOULD HAVE REPORTED IT LIKE THEY SAY THE WHERE GOING TO DO 9 MONTHS AGO. SO ON XX/XX/2015 I WENT IN THE STORE EXPRESSING MY CONCERN AND TO MAKE IT RIGHT AND ASKTO JUST TRADE ME OUT OF THE XXXX XXXX AND PUT ME INTO A TRUCK AND I WAS TOLD I NEED {$4000.00} TO GET OUT OF THE XXXX AND IT WAS NOTHING THEY COULD DO ABOUT THE CREDIT SITUATION AGAIN, BUT SORRY. I HAVE MADE MY PAYMENTS ON TIME AND WAS TOLD TO KEEP IT ABOUT A YEAR AND I COULD TRADE, WELL I GUESS THAT WAS A LIE TO AND LOOKING OVER MY CONTRACT IN SHOWS AMOUNT FINANCED XXXX, AMOUNT OF PAYMENTS {$15000.00}, TOTAL SALE {$16000.00} AND I PUT DOWN {$940.00} SHOULD THAT COME OF THE PAYMENT AMOUNT. I AM GOING IN ONCE AGAIN ON THE SATURDAY XX/XX/2015 TO SPEAK TO THE GENERAL MANAGER ON THE ISSUES AGAIN. I DUE HAVE A COPY OF MY CONTRACT AND I CAN FAX IT TO YOU ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request. 

XXXX. XXXX : XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - Equifax XXXX of Wisconsin XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX
Product: Debt collection

XXXX XXXX keeps calling my cell phone for another party, no idea how they rec 'd my phone number but its not even me they are calling for. I answered one time and told them to never call again but they keep calling. they just called me at XXXX on XX/XX/18 and left a voicemail making threats that if there isn't a return phone call there will be further action. I have an outgoing voicemail with my name so you think they would realize its not the person they are calling but they don't.
Product: Credit reporting

Common wealth reinserted information that had been deleted in XXXX 2015. Common wealth agreed to remove account yet Experian continues to report account. Please delete account number XXXX from my credit report immediately as agreed.
Product: Debt or credit management

Arvest Bank and its subsidiaries have been noticed at least five times starting in XXXX to verify a debt they claim I owe. I have sent certified mail request to Arvest Bank to verify the debt. We sent requests to see the actual assignments with the signatures of the transfer and the accounting of the consideration given for the supposed assignments for the Promissory Note and Deed of Trust ( DOT ). We asked for a certified under penalty of perjury copy of the wet ink signature promissory note front and back which has not been provided. The bank states they are the secured party and holder in due course of the Instruments without providing proof. 
As of XX/XX/XXXX Arvest Bank has sent a copy of the DOT and a copy of the Promissory Note ( without wet ink signature ) stating that the Instruments say they are the secured party. Neither copy of the documents memorialize its transfer to anyone. I have communicated numerous times the deed of trust is unsecured because they can not produce the Original Promissory Note with the assignments or allonges. In two of the letters, the Arvest representative said they have the original documents and if we wanted to inspect them, we needed to travel from XXXX  to XXXX  to inspect them. 
Since XXXX we have asked for the identity of the owner of the Note, Arvest Bank finally disclosed on XX/XX/XXXX the private lender/owner of the loan. XXXX pass thru mortgage-backed security XXXX XXXX ( XXXX ). After researching the Trust and reading the pooling and servicing agreement, Arvest Bank cant have the original documents because the pooling and servicing agreement states Mortgage servicers do not have the original documents. Additionally, when researching the Trust our mortgage and note was terminated/written off in XXXX of XXXX. They have been collecting payments for 4 years on a written off mortgage. They have not replied to our discovery. I sent Arvest Bank proof of claim from XXXX website, the custodian of the Trust ( XXXX XXXX XXXX. ). 
Another issue I have uncovered is the lender on our Note and Deed of Trust is listed incorrectly which makes the Note and DOT unenforceable due to flaws. There have been numerous irregularities and errors with our XXXX mortgage transaction. 
Arvest Bank has initiated Foreclosure proceeding when they have no beneficial interest in an unenforceable terminated ( written off by the Trust ) Note and DOT. 

See attached.
Product: Mortgage

After an escrow recalculation in XXXX of this year, I paid the shortage of {$2600.00} in full, however, I did not update my payment with the new amount that started in XXXX. So my XXXX payment was short approximately {$130.00}. Suntrust put my payment in an account and attempted to reach me via phone. They also sent a letter at the end of XXXX ( attached ) which I disregarded as instructed in the letter. The letter does not state that my payment was short, it in correctly stated that they did not receive my payment and if I sent it to disregard the letter. I knew that my payment was sent so I disregarded the letter. Because they did not properly notify me that my payment was short, my XXXX payment went out short {$130.00}. For 12 months prior to this point, I not only made my payment, but actually paid extra on principle, yet Suntrust says they did not know what to do with my payment so they sent it back in check form. They held on to my money, tied it up in a check, and then reported me 30 days past due to the credit bureaus. I only knew something was wrong because my score dropped XXXX points. I have disputed this directly with them, and through the 3 CRA, however Suntrust believes that this process is not only fair, but reporting me 30 dpd is a true reflection upon my risk to them and to other lending institutions even though they had more money of mine than I actually owed because of the shortage payment in full. In 30 years, I have never missed one payment and because of their system limitations and improper notification, I am not unable to say that any more. I have not talked to one person at that organization that has been the least bit helpful with this. I had one person tell me there was no one there that could help me with this. There is nothing logical about this practice and every time I try dispute this, they say it is resolved. It is not resolved, I have attached a recent letter that I received, the correspondence associated with this and the system notes from my account. They refused to provide me their written policies and procedures for reporting deliquent account when there is a short pay
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

This debt does not belong to me. I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

This is an attempt to correct inaccurate information being reported in my credit report published. Upon being denied credit due to information being published in my credit report, I found a number of items on the report that are publishing, which are inaccurate pursuant to title 15 U.S.C 1681 ( a ) ( 1 ) all accounts must be accurate. Accounts has already been removed from XXXX report. 

The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX DPT/ED/XXXX EQUIFAX DPT/ED/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment on Account Number XXXX I am writing to dispute the reporting of a late payment on my credit file for account number XXXX with XXXX I assert that there has never been a period where my account was 180 days late, including the month of XX/XX/2023. 

I request a review and correction of this information. Under the Fair Credit Reporting Act, I expect a response within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in XXXX XXXX XXXX XXXX The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX