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

I had called CarMax because I was behind due to lack of Child Support   payments, I let them know every month I was doing everything to maintain the account. I was on SSDI and I have XXXX XXXX  XXXX  kids. In XXXX of 2019 I called to let them know that by the XXXX of the month that I would have the payment. I was told that it was out for recovery but they would work with me. Three days later my car came up missing. I called Carmax explained to them what had happened. I was given the information on how to retrieve the car and was told that they would work with me to get the car back. I had the money at the end of XXXX, paid the money and immediatly recieved a call back saying that they did not have the car? That it must have been stolen. 

I live in a gated community and it has been here for 10 years and so has the leasing agent and she told me that they had not even had a potted plant stolen let alone a car. Her boyfriend is a retired XXXX  of 25 years. Here is what he told me and said that law enforcement is aware of this loophole in the California law but they can not do anything about it. 

When you car is out for recovery it is put on a " State '' website. Not a company the finance company works with but a sight that anyone, anyone can pick up a car and it is the honor system to report it. If the company that picks it up does not report it they sell it for parts. That explains why a XXXX dollar XXXX and a XXXX XXXX was not stolen. Foreign cars mark their parts so that is why they only do this to American made cars and mine was a XXXX XXXX. 

So the insurance knows about this, the finance knows about it and law enforcement. It is the consumer that suffers. 

The finance company did not due their do diligence, maybe purposefully to see if they did pick up the car hours after because that is when I made the call. There was no way to get ahead and look for it because when I made arragements to pay fully thinking I was getting car back it was already gone. 

I had to report the car stolen and then had to report that to my insurance and be held accountable for a XXXX deductible, and then had the remainder of my loan put on my credit report plus my year of payments until I had trouble they got to keep, I was left without a car with XXXX XXXX kids and myself being XXXX and them having to miss their medical appointments and not being able to get food. 

I did everything right and have been extremly penalized by a large corporation and it is all on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Product: Credit reporting or other personal consumer reports

I would like a debt validation letter and the original contract of the debt
Product: Debt collection

The documentation was not provided to me. There is no proper verification of debt from me to Collection Agency. We went to court XX/XX/2023. There was no other debt but court fees due at the court hearing of that date. By federal law you have not right to apply debt in my name that I did not agree to with signature to pay that debt. I knowingly dont have knowledge of agreeing or signed documentation saying that I agreed to pay this debt. 

The moment XXXX gave the right of contract to the collection agency. I am no longer responsible for any debt said owed. If there is a debt that is to be owed. I should be taken to court for the debt obligation. 


By federal law, Under exclusive equity jurisprudence, equitable subrogation is a principle that allows the surety to step into the shoes of the creditor and obtain all the rights and securities that the creditor had against the debtor. In other words, the surety acquires the rights to pursue remedies available to the original creditor, including collateral or liens held by the creditor. Which means if I make a payment on this debt. The debt no longer belongs to anyone but me. Which means you FCO takes on the responsibility of me. And FCO will owe me the money of the debt. 
If the original creditor wants me to pay the debt to them. They are responsible for claiming that debt on their own. If not, by FCRA law, I am no longer responsible for any debt if administered by third party. 

If FCO wants the obligation to this debt to be paid. Please provide me with the registered agent of service documentation, the right to collect debt in the state of Virginia, and documentation with my signature on it, saying that I have agreed to pay this debt. 

If you can not provide the documentation please, I demand that it be removed from my credit report immediately.
Product: Checking or savings account

XX/XX/2021, opened a checking account at BB & T, they gave me a few counter checks incase I needed access. Deposit over XXXX in the account, in XXXX I hire a paving company to redo our drive way, sent my wife with the counter check made out to her to cash it for XXXX ... ..her name is on the account POD, my money, they charged her XXXX dollars to access the fund and cash THEIR CHECK!!!!! 

This a racket ... .the state need to do something about this. Their check, no risk, they can look in the account and see if the funds are there and cash it. If not hand it back and try again tomorrow. 

What a joke ... .corporate theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Ive had my mortgage for over XXXX years. Ive never had a 30 day late payment with XXXX, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to XXXX XXXX  along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to XXXX XXXX  for an escalation solution to no avail. Ive been in contact with XXXX XXXX  in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a XXXX XXXX XXXX XXXX and Im at risk of losing my entire business over this matter. I lost XXXX points on my credit score and without the proper credit score Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States Lender XXXX  ID : XXXX
Product: Debt collection

Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, is fraudulently stating an account status and inaccurate amount owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

At One Main financial in XXXX GA a loan officer by the name of XXXX pulled my credit without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate the time and effort made by the Credit Reporting Agencies in removing a portion of the fraudulent accounts and information reported on my Credit File. However, there are still accounts that should have been removed but remain on my Credit File. According to the Fair Credit Reporting Act, the Credit Reporting Agencies are legally obligated to investigate and remove any accounts and information resulting from fraudulent activities. The disputed accounts have no relation to any transactions where I obtained goods, services, or money, nor did I authorize them. Therefore, I kindly request that the Credit Bureaus block the reporting of any information in my credit file that resulted from identity theft. Please remove the remaining accounts and information off of my Credit File as soon as possible ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. Furthermore, I have noticed discrepancies in the information provided by the Credit Bureaus. Some accounts that have been deleted by other bureaus still appear in the reports provided by the Credit Bureaus involved. This raises doubts about the accuracy of the reported information. Additionally, the reported payment history on some accounts is unclear to me. I would appreciate clarification on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them to investigate my credit report and validate the information that they are reporting on XX/XX/2022. I sent a 30 day to comply on XX/XX/2022. It is now XX/XX/2022 and I have yet to hear anything about the investigation.
Product: Debt collection

I submitted a certified HIPAA letter to Americollect via USPS mail tracking # XXXX. The USPS website shows they received the letter on XX/XX/2020. In the letter, I requested a response in writing within 10 days advising they were processing the request but I did not receive any response. Per the FCRA guidelines, the creditor has 30 days from the date of receipt to respond/investigation to be complete or else the item must be removed from my credit file. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) validation of this debt must be produced within that timeframe. Neither was done in a timely manner. 

This item was previously disputed a few months prior and was removed from my XXXX and XXXX  report but still remains on my XXXX  report hence the reason I submitted another dispute on XX/XX/2020. 

I contacted the creditor, Americollect on XX/XX/2020 to request that they remove this debt from my XXXX  report for failure to comply with the turn around time according to the FCRA 30 day timeframe. I spoke with XXXX, a supervisor for Americollect and she advised me they completed their investigation on XX/XX/20 because they had to wait for the original creditor to send them validation. I explained to XXXX, regardless of the reason, per FCRA they must remove this debt from my credit file b/c they were past the 30 day turn around time to complete their investigation but she refused to do so. 

I am asking that this item is removed from my credit profile immediately as it is not valid, a breach of security according to the FCRA ( 15 U.S.C 1681 subtitle D of the ARRA, SEC. 13401 ) and was not responded to within the 30 day timeframe also per FCRA guidelines. 

Best Regards, XXXX XXXX
Product: Mortgage

In XXXX some of my houses were damaged in Hurricane Harvey. As a result I used the forbearance plan on some mortgages to allow time for insurance claims to process. The houses were fully repaired and all loan were brought current within the forbearance time frame. None of the loans were refinanced, modified or any loan documents signed all amounts due for the forbearance time frame were fully paid. In XXXX of XXXX one of the mortgages showed up on my credit report with the comments " Paying under a partial payment agreement '' which the credit reporting agencies interpret as late or delinquent payments. My credit score dropped ~ 60 points. Since then I have filed disputes with the credit agencies and contacted the lender. The lender has not corrected the inaccurate reporting to credit agencies and is continuing to report false information every month.
Product: Student loan

Daily harrassment done on and my family multiple times a day while I'm at work or driving home. They say they're " here to help '' but give me ridiculously unrealistic repayment options that I can't afford which continues this harassing call loop
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The reporting of account ( ... XXXX ) reflects a date opened in XXXX and a first date of delinquency in XXXX, which is factually inaccurate and contradictory on my credit report. An account can not become delinquent prior to being opened. This reporting discrepancy violates the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), which requires credit information to be reported with maximum possible accuracy. 

The inaccurate reporting has caused me the following damages : Denial of credit ( financial aid for school ) Emotional distress and harm to my reputation. 

I request that this account be removed from my credit file entirely to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XXXX/XXXX/2022 I disputed my NC Financial account on three separate occasions for incorrectly reporting my account as delinquent to XXXX. It's showing that I'm delinquent for the months of XXXX, XXXX, and XXXX of 2022. The account payment is auto-debited from my checking account bi-weekly. When I disputed the account previously with the credit bureau, it was corrected. NC Financial DBA Net Credit doesn't show my account as delinquent in their records. XXXX states that they can see when the inaccurate data was corrected previously, but it is up to me to continue to dispute the inaccuracies or send a letter from NC Financial showing I'm current. I don't think that I should have to do this monthly. Either NC Financial is committing fraud or XXXX is not requiring NC Financial to show proof of delinquency. Further, XXXX and XXXX show the account as currebt, never late. NC Financial is a predatory lender. It is my belief that they are trying to prevent me from refinancing the loan to a different company with better terms and interest rates. When I inquired about refinancing previously, I was told that they only allow refinancing to borrow more money, not lower the interest rate. This company needs to be investigated for their predatory practices.
Product: Vehicle loan or lease

In   XXXX   wells  Fargo  charged my account off due to not paying. Since then for the last 6 years they have been updating my account every month which from my understanding is illegal to do. I 'm trying to get a loan for a house and this is the only thing holding me back. It also shows a balance for {$7400.00} which of it was charged off i would n't owe wells Fargo. I called them recently and they are updating my address but would n't accept any money or talk about my credit with me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from Experian, and unfortunately discovered several inaccuracies in my personal information. I demand Experian to review the accurate and real information provided by me and only, the consumer. Trusting that they will stop violating my federal protected rights and fix this inaccuracies immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of what appears to be an illegal scheme by alleged creditors to " park '' inaccurate adverse credit history items on my personal credit reports, as maintained by TransUnion, XXXX XXXX XXXX, to extort payments not due and owing from me personally. 

The entities improperly reporting to the Credit Agencies, falsely claiming to be my personal creditors are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) 3. XXXX XXXX I have records disputing these inaccurate disclosures ( letters to XXXX, TransUnion XXXX XXXX ) dating back to XX/XX/XXXX. 

Despite the CRA 's typically removing the inaccurate adverse information after my repeated complaints and disputes, the named creditors continue to find improper ways to report this misinformation again - most recently in XXXX and XXXX, now reporting accounts that were closed in XXXX and newly opened in XXXX & XXXX, and now reposted as delinquent collection, not charge-offs. 

I have demanded under FCRA Section 609 that these " creditors '' provide substantiation of their claimed debt, but they refucse or ignore such demands.

The CRA 's continually close my dispute with a letter stating they have concluded their investigation, and that I may provide a written statement - BUT this does not correct their reporting error. In fact, I have provided the CRA 's with written letters I have received from these creditors stating their XXXX & XXXX claims are actually beyond the New York statute of limitations collectability dates, but refusing to remove their adverse information unless I pay what are mostly closed corporate debts ( incurred and previously paid by corporate entities ), that I am not personally liable for.
Product: Money transfer, virtual currency, or money service

I made a purchase thru PayPal on XX/XX/2020 to a company called XXXX  XXXX XXXX or  XXXX  XXXX XXXX or XXXX XXXX XXXX ( all three are one business ). Paypal did not disclose a user fee of 2.9 % to me prior to submitting the transaction. I purchased first thru credit card and the seller notified me the user fee was applied on her side. I tried to block the transaction and reported as fraud. Then I attempted to make the purchase thru debit card as the seller told me there are no fees when using debit card. No fees were disclosed to me prior to submitting the transaction and again the fee was applied on the seller side. The purchase price was {$2500.00} and the transaction fee amounted to {$72.00}. The seller had me pay the transaction fee to her via check. I asked Paypal to refund the fees and complained there was no disclosure of fees before I submitted the transaction. I have asked them to refund at least one purchase as they are duplicate purchases and they have refused to refund it. They insist the seller should refund the purchase rather then them, but then I will be paying two transaction fees of {$72.00} each because the transaction fee still applies even when refunding the fee if done by the seller. I have spent hours using chat message and waiting on eternal hold via phone line to get this resolved. They refuse to have a manager call me back with contact information so that I can directly talk with them.
Product: Vehicle loan or lease

I sent a check for full payment of my auto loan balance on numerous occasions and my bank,   XXXX    XXXX   XXXX  has paid the check and sent numerous copies of the checks, I have sen t to Ally Financial for payment of my auto loan balance. My account has n't been credited yet for full payment o f my balance.
Product: Credit reporting or other personal consumer reports

Received copy of credit profile account result of identity theft
Product: Checking or savings account

I don't know the amount because I was up to the beneficiary and I was told from a bank teller but she no longer works there they told me to get the death certificate I got it but I lost my ID and it's an old account but I didn't know they could close out someone's account
Product: Debt collection

i was sent to court in XXXX of 2020 while i was home with XXXX  and my children too. 
the amount si {$2300.00}.