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

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the CARMAX AUTO FINANCE account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by CarMax, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification.

Attached is documents sent by CarMax, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that.

You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification.

I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court.

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Product: Debt collection

My son received emergency medical treatment from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) in XXXX NV on XX/XX/XXXX. We live in XXXX, CA and have medical insurance through XXXX. Thus given this was an out of state treatment it took a while for our insurance to settle on coverage amounts. After a lot of back and forth we were referred to apply for financial assistance, and did so in a timely manner. We never heard back regarding our application, and ultimately received a debt collection letter at the end of XXXX without any additional explanation. We inquired with XXXX XXXX directly in XXXXXXXX XXXX XXXXXXXX and were told to wait for further instructions, which we never received. Since then we have been receiving numerous phone calls from a debt collector named Central Portfolio Control. When they call, they demand sensitive personal information and refuse to inform us what the call is about. Now I see they have filed a derogatory report to the credit bureaus. We have never received a formal letter from XXXX XXXX, or any letter from Central Portfolio Control with any explanation of the alleged amount owed. 

We are very upset about this whole process : 1 ) we applied for financial assistance with XXXX XXXXXXXX XXXX XXXX ), and never received a denial or acceptance 2 ) we responded to the initial debt collection letter from XXXX and were told to wait for further instructions 3 ) now another debt collector, Central Portfolio Control has reported the alleged amount due to the credit bureaus without any correspondence or explanation, and continue to harass us with phone calls demanding sensitive personal information without providing any explanation. 

I contacted XXXX XXXX on the following dates : XXXX to update insurance information XXXX to follow up on insurance coverage, was told " it was being worked on '' XXXX to follow up on billing, was told " still working with your insurance '' XXXX to follow up on billing, was referred to financial assistance program, was told account was placed on 45 day hold XXXX mailed a financial assistance application XXXX Received letter dated XXXX requesting additional financial information XXXX Emailed additional financial information as instructed. 
XXXX Received letter from a debt collector, XXXX, dated XXXX XXXX XXXX XXXX XXXX regarding debt collection letter, explained that we never heard back regarding our financial assistance application and were told we did not need to do anything and we should receive a call or letter in 30 days. 
XXXX - ( XX/XX/XXXX ) XXXX : Received over XXXX harassing calls, with no written correspondence from debt collector XXXX XXXX XXXX demanding personal information without explanation, and they have placed a derogatory report to the credit bureaus.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged due to lagged postings of charges and credits. This issue aligns with recent XXXX  findings against Navy Federal Credit Union for similar practices, where transactions settled insufficient balances despite initial available funds. I believe these practices are unfair and request and investigation into my accounts transactions.
Product: Checking or savings account

According to my last statement dated XX/XX/XXXX 2019 my total year to day overdraft fees are {$1000.00} plus one {$35.00} NSF fee. This is extremely excessive. My account is currently overdrawan {$400.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ).

Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Student loan

many times, during my repayment i qualified for financial hardship. 
I was constantly steered away from that to a forbearance. Which has exploded my loans because of interest
Product: Vehicle loan or lease

I returned a car to XXXX XXXX XXXX in XXXX XX/XX/XXXX. They never grounded the vehicle and the vehicle sat at their facility until XX/XX/XXXX. I filed credit disputes and Hyundai continued to deny the dispute and ding my credit as if I had this vehicle. Ive lost XXXX point on my credit due to this and can not get any credit. 
The car was finally reported as returned ( by the dealership ) but they said it was an abandoned vehicle and DID NOT give the tow company the keys. The tow company came after me to pay the bill and this is the very first time I realized the dealership dropped the ball and I also realized why Hyundai was saying they never had the car. Hyundai finally got the car and sold the lease in XX/XX/XXXX. In XX/XX/XXXX the dealership finally admitted that I returned that car a year ago. By this time I have gone almost a whole year being negatively affected by this incorrect information that Hyundai is reporting on my credit. I have called Hyundai countless times and everytime I call to get this off of my credit as missed/late payments, I get the run around and nothing gets fixed. I have gotten put in the middle of this fiasco and neither company wants to do the right thing and rectify the situation. I need immediate help
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 errors in my credit report which Transunion is keeping them active when the companies closed their end of the complaint. 
1 ) XXXX XXXX XXXX for $ XXXX..Medical bill unpaid : PA Law states that a  company can not collect medical bills for vehicle accidents when insurance company refuses to make payment. 
2 ) XXXX/XXXX XXXX of {$360.00}. This was a stolen gas card that XXXX was fully aware and I was not responsible for payment. 

XXXX from Transunion stated these companies Closed their end on the complaint but XXXX on XX/XX/XXXX did not want to correct the errors and repeatedly stated, they will be off your credit report XX/XX/XXXX. I told her the idea was to correct credit reporting errors as these 2 are. She is making it difficult for me because she does not want to do her job in correcting these mistakes
Product: Debt collection

There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.
Product: Checking or savings account

i deposited a check to my bank of america account and was told i woukd get a credit next business day and check would clear in 2 business days. next day i recieved a notice on my banking app showing it would be 5 business days. XXXX days after i recieved a notice it would be an additional 3 business days. they refused to speak to check issuer and his bank to verify and they do not give me a specific reason as to why the hold is being delayed even longer. the check issuer checked with his finanical institution and the funds are no longer in his account and it was posted cleared from his financial institution. my attorney wanted to speak with bank of america with me on the line and they refused. when i asked bank of america rep if i can take documentation showing verification of the deposit they refused. i was told they use a " 3rd party institution which was called XXXX XXXX XXXX '' and not ACH system to deposit and clear checks. Which when i told them ACH is an abbreviation for XXXX XXXX XXXX she responded that its a completely different " entity ''. they lied are disrespectful and refuse to clear my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am unable to log into my Experian account on www.experian.com. I had forgotten my password. I attempted to request a password reset by providing my Experian username through the Experian website.

2. The Experian website told me that my username was wrong, so I clicked the link to have them send my username to me. I provided my Social Security Number and date of birth. Experian sent me the exact username they rejected in # 1 ( above ) I'm caught in a loop where the Experian website logon is rejecting my username, yet the Experian username recovery process is providing the exact username their logon process rejects.

Most frustratingly, a real live person can not be reached at Experian. If I call the number to get help, I am offered a choice of automated help or to end the call. Getting a live person is not possible.

In addition to my attempts to resolve this on their website and by phone, I wrote to Experian at XXXX XXXX XXXX, Texas and provided necessary proof of identity. Experian responded with a form letter that had nothing to do with my request for help. 

It is really frustrating that Experian can have so much power over individual consumers and yet there is no way to reach someone to help fix this issue. Typically resolving username and password issues is a very simple process and it is usually something that can be accomplished using a website. The fact that I can not accomplish this on the Experian website, on the phone, or through United States Postal Service mail is nothing short of ridiculous and speaks directly how dismissive this organization is of the general public. 

I would sincerely appreciate any help you could provide. 

Thank You
Product: Debt collection

I signed up for a 3 month challenge at a boxing gym in 2018. Paying {$59.00} a month for 3 months. When I attempted to not continue with the boxing gym after the 3 months they declined my written cancellation claiming I either needed a doctor 's excuse or to get absences excused. Suddenly a 3 month challenge turned into XXXX bucks the company not only has not enough space for he number of people they sign up but there is nothing else there but bags for boxing. If it was a full gym I would consider a full year. XXXX XXXX started off calling. I told them to stop calling. They then started text messaging. I replied to the text and again asked them to stop contacting me. Then they started emailing. I replied to the email on XX/XX/XXXX to not contact me anymore. Today on XX/XX/XXXX I received yet another email from XXXX XXXX. I replied to them letting them know I would be filing a complaint. ( caution to anyone signing up for these social media challenges )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 4 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XXXX XXXX obtain a copy of my credit report with out my permission i am a victim of identity theft
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from NATIONAL CREDIT SYS. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against NATIONAL CREDIT SYS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accountsXXXX 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 Court : U.S. Bankruptcy Court. XXXX and XXXX have no information of this bankruptcy with your company have violated my rights. On XX/XX/XXXX, I reviewed my XXXX credit report and discovered various instances of incomplete and inaccurate information. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ). Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( 1 ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file. Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my earlier complaint dated XX/XX/2023, where I identified inaccuracies in some of the information. Again, I am requesting that the three credit bureaus validate these accounts in my XXXX, Equifax, and XXXX Credit Reports in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is imperative that they do not neglect to validate this reporting account, as unverified information should not be allowed without providing proof within the legally stipulated period. The account requires investigation for erroneous reporting in my file and is detailed on my credit reports : XXXX XXXX  XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

I am disputing the following information on my XXXX credit report as it is inaccurate and negatively affecting my credit standing. The reported item from the creditors named with various account numbers is incorrect due to reason, such as identity theft. I did not authorize this account, nor do I owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well-being.

I am requesting, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that this inaccurate information be investigated and either corrected or removed from my credit file. I have attached supporting documentation, such as ftc report, to verify my claim and ensure this matter is resolved promptly. I appreciate your immediate attention to this issue and request that I be informed of the outcome of your investigation within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other XXXX XXXX XXXX. Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. XXXX XXXX XXXX - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. XXXX reported to Experian that the information is accurate. This is the information on the Experian website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at XXXX XXXX XXXX, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to Experian. I opened a new dispute with Experian. I mailed copies of both the police report and the XXXX letter because for some reason the Experian website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under 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 th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous 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 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a 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. 

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

In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.
Product: Checking or savings account

Loan was paid on XX/XX/2024 The bank drafted the same amounts again on XX/XX/2024 and will not reverse or return my funds. My account is now overdrawn.
Product: Credit card or prepaid card

I filed a complaint in XX/XX/2020 during COVID-19 concerning my Capital One credit cards. Both cards were disputed with CFPB but only one of the cards returned to XXXX  balance the other card has a balance of {$94.00} including interest fees on the amount. Capital One is continuing to charge interest fee on my card ending XXXX. I'm under FURLOUGH with my employer during this COVID-19. Capital One is not honoring the situation. I already filed this complaint before.