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

Unauthorized and unknown inquiries are being furnished on my consumer report. 
In accordance to the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ) I am exercising my right to challenge questionable information that, I have found on my personal credit report. I do not recognize the information listed with attachment.
Product: Vehicle loan or lease

On XX/XX/XXXX, I hand wrote a Affidavit of Truth to dispute my account with CarMax auto finance identifying in two exhibits ( a late payment letter and a voicemail they left on my cellphone ) with the violations according to the Federal Laws found in the Fair Debt Collection Act. I mailed the letter off off on Friday XX/XX/2021 certified mail. I called CarMax Auto Finance in an attempt to confirm that to got my letter and to discuss the remedies I asked for as a consumer invoking his right. No one at the finance office or the corporate office were able to answer an of my questions and refused to engage the conversation when I brought up the Federal Laws found in the Fair Debt Collection Act or when I asked to be put through to legal for them to answer my questions. I was told that I only my attorney or lawyer can speak to the legal department of CarMax Auto Finance. Even though I informed the representatives that I invoking my XXXX given right as a natural person to represent myself in this case, I was denied a direct line of communication to the legal department. In the past couple of days I have called numerous time and I have not been satisfied with the responses I have gotten from the representatives and managers at CarMax Auto Finance and the CarMax Corporate office. Along with illegally repossessing my truck on Tuesday XX/XX/2021, I was threatened by CarMax Auto Finance they if I dont pay the late fees and repossession fee, my truck will be up for auction in 17 days after the repossession. If sold I will be liable for the truck payments still. Another violation under 15 USC 1692F ( 6 ) ( A ). Which states taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; I also have a slue of other violations that this company as acted on against and will like help in fixing my credit report and being an example of others who have being violated by CarMax Auto Finance.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 16 DNA kits for my family for XXXX. I was alerted by credit card company of fraudulent transactions. I informed them it was me and they reactivated my card ... XXXX had stopped the order so I called them and made the purchase over the phone on the same day. And was to believe the transaction was all set. I received the kits and put them away till the holiday. In XXXX of XXXX I learned that the kits have been deactivated by ancestry, and we had never been notified. I called ancestry they did inform me that they did deactivate the kits and never received payment. According to my statement this had been paid in full on XX/XX/XXXX by my credit card company. Due to the length of time from XX/XX/XXXX till XX/XX/XXXX AncestryDNA had deactivated the kits. 
I than called XXXX chase credit card and was told I need to file a a complaint and that the form would be in the mail 7/10 days ... it never came so I called back and was told they could not help me that it had been to long. The total for this purchase was {$1000.00} it was two purchases as you can not purchase more than 10 at a time.

( 10 kits {$640.00} and 6 kits {$380.00} ) no one seems to be able or willing to help thank you
Product: Credit card

The name of the company is Affirm there were unauthorized transactions created upon my name. I am worried because this will be demolishing to my credit score. I owe approximately over {$1000.00} for items at XXXX that I did not purchase.
Product: Vehicle loan or lease

XX/XX/XXXX Letter Truist 6 ( non-affiliate ) XXXX Truist XXXX-VA XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX Letter XXXX XXXX XXXX ( non-affiliate ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX FDIC XXXX XXXX XXXX, XXXX, XXXX , DC XXXX XXXX XXXX XXXX, XXXX, XXXX , DC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re XXXX XXXX XXXX XXXX # XXXX Fair Proper Steps Vehicle Repossession Recovery On XX/XX/XXXX a police officer told me the car was repossessed. I was unaware and did not understand. Previously, I did not experience such pattern of actions. 



Justice Department Requires Divestitures in Order for BB & T and SunTrust to Proceed with Merger ( Divestiture Merger-DM ) Unfortunately, the Lien Holder is Suntrust. 
The BUYERS ORDER reads, Terms of Agreement and Certification I ( Customer ) agree to the purchase the above describe vehicle on terms stated in this contract and in the delivery agreement signed with this Contract 4. free and clear of all lien encumbrances except as otherwise noted herein Fourthteenth Amendment property 5 USC 611 prompt delete 15 US 41 consumer rights 15 U.S.Code 6802 respect to disclosures 42 U.S.C 2310 F. A repossession commission 18 U.S.C bank Bribery Act 215 ( a ) ( 2 ) ( 4 ) 18 U.S.C 873 black mail O.C.G.A 10-1-2 goods holder motor vehicle retail installment O.C.G.A 10-1-36 remedies O.C.G.A 16-8-2 theft by taking O.C.G.A 16-10-2 ordinary course of business O.C.G.A 44-14-411.1 second notice reedem To resolve, dont ruin my credit history if fair proper steps arent being taken. If it is not valid or verifiable do not ruin my character credibility. Credit is stability. 

XXXX XXXX
Product: Debt or credit management

In XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX and was told that they would help me to consolidate my credit cards.And I was sent money through global holdings.My money will be safe there until they reach the settlement with my credit card Companies. It has been a year later, and I just received a letter from XXXX XXXX  And they were no longer able to represent me as they had a lawsuit proud against them and I was to contact global holdings to be able to receive or withdraw my honey, I have tried calling them several times leaving messages and no one has responded back to me. I have done this since Monday XXXXXXXX XXXX XXXX XXXX XXXX and today XX/XX/XXXX noone has contacted me. 
I was making payments of {$440.00} a month when I last looked at the account. As of XX/XX/XXXX there is XXXX dollars in my account.
Product: Bank account or service

Their over draft fees when I deposit my checks money is In my account pnc charges XXXX $ over draft fees and XXXX $ a day thes over draft fees r killing people specialy the XXXX or the XXXX. This is a shame something needs to be done this can go on we r on a fixed in come thes fee need to be aballished. We have bills to pay food to by and R meds please we need help
Product: Debt collection

In XXXX my credit monitoring service alerted me to a new account created for Acima. This company allows customers to buy now pay later. I didnt open this account and it was clearly a result of identity theft. I tried to resolve with the company but they said they needed me to file a complaint with FTC fraud prevention. I was then routed here. The account is now delinquent and has made my credit poor. Acima doesnt have a phone number for their fraud department and make it difficult to resolve these sorts of issues.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these inquiry accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company has been stalling me for months with the correction of my report and incorrect address I have asked them to remove the false information which doesn't belong to me their are address on file that are not mine never have I lived their they do not allow me to dispute them online because linked accounts with those addresses that do not belong to me either please correct they have taken more the 30 days to correct this issue I am tired and ready to get my lawyers involved as well as to sue and be compensated.
Product: Debt or credit management

Its over XXXX of them just pull my name and information up youll see I have no knowledge of those accounts when I reported identity theft
Product: Credit reporting or other personal consumer reports

XX/XX/ {$640.00} I left Them know several times i was a victim of identity theft i have no knowledge of these account and money owed. i disputed it several times and they kept in on my credit report saying that this account was indeed mines.
Product: Mortgage

I opened a XXXX FHA loan with Rhode Island Housing in XXXX for my primary residence. When I opened the the loan, Private Mortgage Insurance ( PMI ) was added and I was told by the loan officer that I could remove PMI once my home had enough equity vs. the loan amount and I could show a good payment history. In XX/XX/XXXX, I proceeded to send a letter to Rhode Island Housing asking if PMI could be remove since the value of the house at the time was approximately 230k and I only owned XXXX. I received a response stating that 1 ) PMI could only be remove once the loan to value ratio equal 80 % of the original loan amount with proof of the no decline in the property value and 2 ) 24 months of satisfactory payment history. Further, the letter indicated that to satisfy the 1st requirement, my loan balance had to be reduce to {$100000.00}. 

Based on this information ( despite what i was told initially ), I made it a habit to pay a little extra each month so it could be applied towards principal. In XX/XX/XXXX, several payments towards principal were made and I was finally able reduce the loan balance below 102k. I than reached out to Rhode Island Housing on XX/XX/XXXX and again requested that they remove PMI from the loan and received confirmation that my request was received and would be forwarded to a manager to review. After weeks of waiting and waiting and following up with them, I finally received a response via mail on XX/XX/XXXX stating that my request was denied due to " Investors Guidelines ( XXXX ) '' which I have no idea what that means and why they are making this process so complicated? This has been a terrible experience and I request that the PMI that was charged since my request was submitted to be refunded back to me and for the PMI to be remove on the loan immediately. Further, I request all information in writing in the event that I need to pursue this through an attorney.
Product: Student loan

In XX/XX/XXXX my student loans were consolidated into FFEL Consolidation loans by  XXXX, which later changed to Navient. I first learned about the Public Service Loan Forgiveness program around XX/XX/XXXX. When I contacted Navient to inquire about this program. I was advised that it was not necessary to refinance my loans. 

I recently submitted my application for the PSLF program and was informed that my FFEL loans are not eligible after all and the 10+ years of payments I have made to Navient do not count towards my loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Briefly, back in XXXX I was contacted by a man who said he worked for a company called XXXX XXXX  and they help people with financing who want to buy a timeshare.he said he had a couple interested in buying my timeshare.everything seemed by the book, they sent receipts for all money I sent and even sent me a picture of the check I would receive but unfortunately at the end when it was too late I realized it was a scam and I could no longer get ahold of this man.this was a very XXXX man so I thought, I paid the money because I was promised something in return.please help me and read my letter and please refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, 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

On XX/XX/XXXX consumer which is Me contacted American First Finance to inquire about the 1009c that was filed under my social and account number via the UNITED STATES TREASURY OFFICE. AMERICAN FIRST HAS CANCELLED THE DEBT VIA THE 1009C YET IS REPORTING DEBT AS OWED. DUE TO THE BANKRUPTCY ACT OF 1933 AND THE TRUSTEE INDENTURE ACT ALL DEBTS ARE THE RESPONSIBILTY OF THE UNITED STATED VIA TITLE 18 USC 8.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

AMERICAN FIRST IS COMMINTING FRAUD ON CONSUMERS OF THE UNITED STATES AS THIS ACCOUNT WAS FOR HOUSEHOLD PRIMARY GOODS. AMERICAN FIRST HAS LISTED ACCOUNT AS RETAIL INSTALLEMENT AGREEMENT WHICH IS INCCORRECT AS IT WAS A CREDIT SALE PER THE LAW. 
AMERICAN FIRST HAS CHARGED THE DEBT OFF ON ITS TAX ROLE AND COLLECTED VIA THE 1099A AND 1099C. AMERICAN FIRST AND ALL PARTIES ARE COMMITTING FRAUD. 
THE CONSUMER CREDIT CONTRACT ALSO LACKS THE REQUIRED NOTICE PER THE LAW : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
( c ) Compliance with the requirement
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit bureaus and continue to get send proof of address and identification. That I did the credit bureau is not removing information from a collection agency XXXX XXXX is reporting XXXX  days late on a collection account its not legal because I have never had an account with them. Another collection company is reporting to the credit bureaus and I havent had an account with them. I gave proof that they are also not legally to conduct business in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Wells Fargo " Specialist '' I received your response today and as usual you have failed not only me as a Consumer, but you have failed the once pristine reputation of Wells Fargo. Should really think about changing your brand? Anyways youre previous and multiple responses do not address the cusp or root of the issue at hand. I'm not trying to persuade you to change your position based on new information. I'm stating that you need to change your position based on the information that has all already been provided. 
Again just because you deem the matter closed doesn't make it so... I did not except the almost identical terms and agreements of a loan that was deemed predatory and unlawful within our justice system. If I have to bring your so called modification in front of the Supreme Court for a final ruling I can do that as well. So to be clear, and keep in mind these complaints will be used against you as an attempt to resolve the matter amicably, the Modification was not handled in a manner that's been deemed fair and in the best interests of me the consumer based on my financial situation at the time. As a reminder then Attorney General XXXX XXXX named Wells Fargo as possible violator of the {$25.00} billion National Mortgage Settlement. Florida had received {$28.00} million as part of a multimillion, multistate settlement entered with Wells Fargo Bank N.A. to resolve claims that the bank violated state consumer protection laws, among other laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

I asked them to submit me the investigation for the bankruptcy and confirm from original creditor and they still haven't provide the information on the bankruptcy that was discharged from : Name : US XXXX XX/XX/XXXXXXXX Docket # : XXXX Discharged XX/XX/year> Section 611 of the FCRA ( 15 U.S.C. 1681i ), which outlines the process for disputing the accuracy of information. Results of the Reinvestigation : The CRA must provide you with the results of their investigation in writing. If the investigation confirms the accuracy of the information, they must include a summary of the investigation. Access to the Report : If you request it, the CRA must provide you with details about the investigation, including the contact information of the original creditor or data furnisher who verified the disputed information. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) : This section outlines the responsibilities of information furnishers ( including original creditors ) : Subsection ( b ) : If a furnisher receives notice of a dispute from a CRA, they are required to : Investigate the dispute. Review all relevant information provided by the CRA. Report the results of the investigation back to the CRA. Correct or delete inaccurate or unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXXXXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Every month captial one keeps charging me  XXXX  late fee because my dates are not on time. My min. payment is  XXXX . I called and asked whats the problem I closed the account and told them I 'm tired of fees that are more than min. I pay any where form  XXXX  to  XXXX  payments month ranging from $  XXXX  {$20.00} week so I pay more than min every month so they say the problem is I 'm  XXXX  due because the late fees keep adding up they have charged me almost {$200.00} late fees and have n't used the card in last 2 months so my balance just keeps going up. So this is my thought your saying i could pay consistent every month but because I do n't pay on time this company can just keep charging. So I did math lets say I keep paying the same amount every month that means every year they add {$420.00} to my account and If I never use the card they can do this. This is not right this is n't justice this is n't looking out for customers, but they could continue to profit for the next 2 years if I'am going to let them. The system does n't work it set up for the rich to profit off the poor to keep people down.
Product: Vehicle loan or lease

I have been laid off at the moment due to the covid 19 I have sent the screen shots from my work that has shown them that I have been off and havnt returned to work. I have already menchend to them that I am waiting for my unemployment or my stimulus check and that I will be able to arrange a payment plan and make payments on the car and they continue to harass me and mention that my car is the list to be repoed in XXXX. They have continue to send me letters in the mail. On Monday XX/XX/XXXX at XXXX they sent a gentle men named XXXX to my residence from XXXX XXXX XXXXXXXX XXXX  to make sure that the car is still here and to tell me that heritage is trying to get ahold of me which I have already known but their is no reason for this to continue to happen after I have already spoke to them about the situation and how i will be able to resolve it after i receive money. It worries me that they will take the only need of transportation that I have to get my child to his XXXX  appointments and to get his formula and wic and his diapers and wipes. It just puts so much stress on me trying make sure that I can have a vehicle to make it to work and back after the covid 19 is over to make it to work to provide for my family. I just want to be able to make sure that I can continue to provide for my family and we will be okay and reassured that I wont have to worry about losing my job or my car. The car is a XXXX XXXX XXXX XXXX