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

On XXXX-22, I requested information about a vehicle on carmax. On XXXX-22 a lady name XXXX contacted me on XXXX22 at XXXX AM. This carmax is located in XXXX TX on XXXX XXXX XXXX XXXX. XXXX reported the vehicle that I was interested in is a work truck ( XXXX XXXX pick up truck ) XXXX reported Carmax have several pick up trucks but was not located in XXXX. She went on to reported they have another XXXX  ( XXXX ) truck that was in route, but unsure when the truck will arrive. She went on to state they have other trucks at different locations but will be charged a transportation fee from XXXX dollars just to get the truck to the XXXX office XXXX We also talked about me and my husband driving to the location to avoid the fee. I told XXXX we are not impressed with the XXXX XXXX pick up truck and wanted to think about what we wanted to do. She went on to say congratulation on being pre approved with XXXX XXXX XXXX. I said how can you get pre approved if you have no ran my credit. She went on to say you are not approved just yet because we have not ran your credit. I went on to say we need to think about what we want to do. XXXX responded and said we can not run your credit with out a car. She said you will need to select a car for that deal. Without a car credit is not ran. I told XXXX I will get back with her once we make a decision on what we wanted to do. I received a text from XXXX on XXXX-22 that stated " Hi XXXX, this is XXXX from CarMax. We received the decisions for your recent pre approval application. I'll be calling you in a few minutes to go over those results. '' She sent me XXXX pictures of the rXXXX XXXX work truck that I told her I did not want. I sent her a message saying ok, I thought we were waiting to make a decision before my credit was ran, you guys ran my credit? I immediately called the number where XXXX called and texted me from XXXX. Initially, call did not go through. I called back again and a receptionist answer the call and stated she did not know who XXXX was. She put me on hold for 1 hour and did not return back to the call. Called back again and asked to speak to a sales manager and was put on hold again and call was disconnected. Call back again on XXXX-22 at 2 PM and a rude man answered the called and asked why I needed to speak with a sales manager and I said about a situation that I have with a young lady name XXXX. 
This person would not transfer me to a sales manager. This person put me on hold and the call was disconnected. 
I believe I was scammed by Carmax. I believe XXXX is a code name. This person name XXXX ran my credit without my consent. She told me she was not going to run my credit until I found the truck that I wanted. She said she could not put a deal together without a vehicle. CarMax is scheming on incident people and running their credit without consent. How I found out my credit was ran because I received several alerts my from different banks my credit file was ran. I have attempted numerous times trying to get this matter resolved with Carmax but was not successful. Also, I never received a call from XXXX.
Product: Vehicle loan or lease

I contacted the company on XX/XX/XXXX. I made a payment arrangement of {$400.00} that would keep my car from being repossessed. The payment was supposed to come out of my checking account on XX/XX/XXXX. I woke up XX/XX/XXXX to go to a doctors appointment and found that my car was gone. I found out that my car had been repossessed and they were claiming that they never received a call from me. I submitted proof to their email that I did contact them on XX/XX/XXXX. I was on the phone with them for 21 minutes making the payment arrangement. I provided a screenshot of the phone call. They said it would take 48 to 72 hours to investigate. I heard nothing from them so I called them back today and they claim they cant find any record of me ever calling even though Ive submitted proof that I did call them. They are refusing to release my vehicle unless I pay {$2500.00} essentially. I do not have that kind of money and its not fair that they are not holding up to the agreement of keeping my vehicle from being repossessed if I paid the {$400.00}.
Product: Credit card or prepaid card

Discover Card is continuing to allow XXXX XXXX XXXX  to continue to charge XXXX per month to my card DESPITE the fact that they have been notified of this being a fraudulent charge. This latest charge occured on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for a Term Loan with XXXX XXXX XXXX for my business, you can not apply for a loan without an assigned banker and they must be within your region. 

I was assigned to a XXXX XXXX XXXX XXXX XXXX XXXX in my area. I spoke with the XXXX XXXX regarding the purpose of the loan which is to expand the business and working XXXX  will be needed to make it happen. My credit report from Transunion has a hard inquiry for a business loan On XX/XX/XXXX that I was not eligible for due to my business expansion not being a physical expansion. 

The XXXX XXXX XXXX did not know this information about the product they stated I was eligible to apply for, the underwriting team did not understand why this information was not informed to me by the banker. 

I was informed today, XX/XX/XXXX via phone a request was sent to have the inquiry removed, if the request is actually in review I do not know as I do not have any written notification that it is in review. 

The hard inquiry for XXXX XXXXXXXX XXXX for XX/XX/XXXX must be removed from my credit report.
Product: Credit reporting

There are several different addresses for one address that I lived at and there is also an address that is not mine. My spouse/co-applicant is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account. 

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations
Product: Credit reporting or other personal consumer reports

Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am reqiesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. PLEASE CHECK FTC REPORT. THESE ACCOUNTS DO NOT BELONG ON MY CREDIT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a late in XXXX, 2018 on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am in school and these loan payments have been deferred and therefore there are no late payments to report. This incorrect reporting of a late is harming my credit score and these lates need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Product: Credit card

Never open capital one credit card like XXXX XXXX XXXX  years ago.
Product: Debt collection

ConServe, a debt collector for  XXXX   XXXX   XXXX  University, has made repeated attempts to contact me, even after stating that I would like to confirm the existence of such a debt with the University before responding to or continuing any communication with the debt collector. The debt collector then repeatedly called my personal and work phone number  (  on  XXXX  and  XXXX , at roughly  XXXX  EST ). I have not been notified of such a debt, or that such a debt was sent to a collections agency by  XXXX    XXXX    XXXX  University either. Additionally, the Debt Collector 's amount did not match the amount of debt conveyed to me by  XXXX    XXXX    XXXX  University  ( it  was significantly higher ) than the debt owed.
Product: Checking or savings account

On XXXX our Venmo Account was frozen due to suspicious activity ( we were driving from XXXX to XXXX to get our daughter from visiting her grandparents ) we got to Mississippi and discovered it was frozen and we didnt have any money or gas. My mother in law ended up driving our daughter to Mississippi and was able to give us {$20.00} but thats all she had. We were able to get a little gas but now have been stranded in Mississippi because Venmo wont unfreeze our account. They said we have ti wait 6 days. So even though weve verified our identity- send a picture of our license and is holding the license- we verified the charges and changed our passwords- Venmo said they still need 6 days to investigate. Ive called in 16 times- I get the run around and then they hang up and then inundate me with surveys about their service. Apparently the different departments arent allowed to communicate and they dont and the department that deals with freezing accounts doesnt have a phone so you can only email and hope that on day they will respond. When they do respond its with vague articles that dont even relate to the issue This has been the most horrible experience-we are both at risk of losing our jobs because we are stuck here with a little bit of food that we brought with us from Home - XXXX XXXX XXXX XXXX - waiting for Venmo to give us our money so we can get home and then we will be closing the account
Product: Credit card or prepaid card

I requested an open dispute 4 or 5 times by phone but all of those disputes disappeared from the record.

So I still don't get a refund. {$64.00} XX/XX/2023 Marchant : XXXX XXXX. 
The agent ( Email ) is still suggesting reopening a dispute. 
I'm tired of opening another dispute and disappearing disputes.
Product: Checking or savings account

I made an overseas wire transfer in order to pay some outstanding bills. The bank cancelled the transaction and later froze the funds used in the wire transaction and also froze my account. I called the bank within half an hour in order to unfreeze my account and after a security verification my account was back. However the bank is not releasing my funds although I called the bank and the branch a few times in order to get my money back. The frozen funds are crippling my ability to conduct business.
Product: Mortgage

When shopping for a refinance mortgage, I was offered a good interest rate ( 3.125 % on a 5/1 ARM ) and a {$9500.00} lender credit from LoanDepot. While other lenders suggested that the offer was too good to be true and they could not match it, LoanDepot assured me that the offer was valid, and included those terms in a written Loan Estimate dated XX/XX/2019. On the basis of their representations, I paid {$590.00} for an appraisal and {$19.00} for a credit report. 

Subsequently, LoanDepot dragged its feet in finalizing the loan, making repeated excuses for lengthy delays. When the loan was finally approved, LoanDepot sent a revised Loan Estimate on  XX/XX/2019 showing that the lender credit had decreased by over {$9000.00}, to {$390.00}. When questioned about the discrepancy ( which LoanDepot had failed to proactively tell me about ), LoanDepot informed me that the lender credit had disappeared because I was being charged over {$9000.00} for rate lock extensions. But LoanDepot had not previously asked if I wanted to extend the rate lock, had not informed me that rate lock extensions were required, and had not informed me of any fees associated with rate lock extensions. Moreover, interest rates have fallen since we initially locked the rate, making a rate lock extension unnecessary and counter-productive. When I made these points to Loan Depot, they offered excuses, but did not address my concerns. 

I believe that I have been the victim of a bait-and-switch, in which I was offered unrealistically good terms in order to ensure that I would file a mortgage application with LoanDepot instead of a competitor, but at the end of the process, after I had invested substantial time and resources, LoanDepot switched the loan terms to be unfavorable.
Product: Credit card

On XXXX/XXXX/16 a charge of {$720.00} was processed on my XXXX card by XXXX XXXX. This charge was totally illegal since I have no contract with XXXX and they did not have my permission to use my card. I disputed the charge to Chase Bank, but they denied me a refund, saying that the debt to XXXX XXXX was legitimate. I appealed it and they again denied me. 

This is the situation. My employee 's mother had a contract with XXXX XXXX. Her daughter works for me in my small business. Since XXXX of them do n't have checking accounts or credit cards my employee would often ask me if I would pay bills over the phone with my credit card and then she would reimburse me with cash. I had no objection to do this since it made things much more convenient for my employee and there should have been no risk on my part. Every time it was used, either I called it in personally or my employee called with me next to her. She never had my credit card info to use on her own. The credit card was never on automatic payment with XXXX nor was the card ever out of my sight. The last payment I made was on XXXX/XXXX/16. Then four months later, on XXXX/XXXX/16 XXXX XXXX retrieved my credit card info from their old records and used it to charge the incredibly large amount of {$720.00} without my permission to satisfy a debt my employees mother allegedly incurred. 

Apparently, both XXXX and Chase have made the incorrect assumption that since I used my card to make some prior payments for someone else, I forever have assumed all current and future liability for that person 's account with XXXX. That assumption is legally incorrect and I implored Chase to process a chargeback for {$720.00}. There is nothing in their cardmember agreement or civil law that backs up XXXX XXXX 's actions. I am not disputing whether or not the monies are owed by my employees mother or not but rather that they are billing me since it is not my liability. Since my exposure is to my credit card bank and I have no relationship with XXXX, Chase bank is the only party I can pursue. I feel XXXX giant conglomerates are in collusion to take my money even though I have no legal obligation to XXXX. I probably will never be able to collect that money from my employees mother. This is a case of being powerless to big business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2013, I purchased Items from Conns Appliances. The merchant overcharged me for the items at the time and charged it to my credit account. There was a difference in the amount charged on the contract I wrote to the amount reported to the credit bureaus. I was investigation this once I discovered the error and had the amounts consolidated. So the debt amount is incorrect as well as the interest rate on my credit score. I was ignorant of my rights as a consumer so I paid the amounts for a while and once I discovered the truth I tried to get to the bottom of the debt. The payments I was making were not decreasing my loan amount according to my numbers. No one was willing to hear me or resolve my issues when I went to the locations. I ended up contacting Conns in order to settle the debt amount with a pay for removal of negative items agreement. I paid the settlement of {$1600.00} and was promised the negative credit marks would be removed. I since checked my credit report and the negative marks are still present. I have no contact information for the credit department so I speak to customer service regarding my issues and they claim that the credit department will not live up to their initial agreement to remove the negative marks. I faxed over a letter with my request 2 times. I also spoke with a representative that stated that they have a courtesy removal of negative marks from my credit report and now when I contact their offices they deny this is the case and in most cases keep me on hold for hours and hang up. Conn 's appliances have a reputation for being dishonest and ruining their customer 's credit but I was unaware of this fact before I made my purchases. 
I have recorded conversations of discussions I have had with Conn 's representatives.