23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax XXXX XXXX and XXXX XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I received a call from who I thought was XXXX fraud unit. Telling me someone hacked in my XXXX account to buy a I XXXX, so he went through everything and it seemed legit, I went to this ( Looked like XXXX home page, I printedout his information from XXXX. Not knowing I was agreeing for him to remotely having access to my account. What I was seeing on the screen was not what was going on. He was a hacker that got to my bank information and bought XXXX XXXX XXXX  gift cards for less then XXXX each. I did not authorize these charges, I am a victim of identity theft and need help to get my money back. All of my savings XXXX gone and my bank thinks I authorize the amount, this has been a nightmareand Ineed help. And spread the Word to protect innocent peoplewho might be a victim of hackers. I did not authorize these changes but they made it look like I did. I need help getting my money back please help me. I called my bank immediately to freeze my account but all 7 of those gift cards went through. Why? It takes 2 days for me paying a bill and it clears. I need help getting my money back.
Product: Student loan

I submitted all necessary documents for a forbearance/deferment to be processed for my student loans, instead of processing paperwork someone in my borrowers office sent my paperwork to the Dept of Ed for default status, ( they did this behind my back even after telling me all my documentation had been submitted on time and they reassured me my loan would not be defaulted, ) I was told by the Dept. of Ed to contact my service provider to have them recall the loan but when I tried to contact them repeatedly I was stonewalled told a supervisor was reviewing my request but, there was not going to be an issue with them recalling the loan, then after calling repeatedly calling the Dept. of Ed. I found out they had turned my loan over to a collection agency unbeknownst to me, I immediately attempted to get a resolution, I am still waiting, I feel I Am the victim of predatory lending not only from the financial institution but, the Dept. of Education, To add insult to injury it has been 10 I repeat 10 years since I graduated and I am working XXXX part time retail jobs barely making ends meet, I am not even working in a position of my field of study. Now I have this over my head? Because someone in the XXXX Office turned my paperwork over with little regard to the consequences it would bring. I can not even further my education because of this. And my life is at a stand still until I can get this resolved. The entire time I have had this loan I have made sure it was on deferment until now, because of the irresponsibility of one or more people working in collusion. I always did that because I could not afford the payment and I did not want to have an adverse stain on my credit report and I always intended to pay it off someday. I still strive to get to an employment position that will allow me to satisfy my financial obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act my rights as a credit consumer have been violated by the bureaus and XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy ....

15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 

THOSE ARE XXXX VIOLATIONS THAT SHOULD RESULT IN DELETION OF THAT ACCOUNT
Product: Vehicle loan or lease

I purchased my vehicle from CarMax Auto XXXX XXXX XXXX under a retail installment agreement. The financing of the vehicle was subsequently transferred to CarMax Business Services, LLC whose XXXX number is XXXX, which sold the account to CarMax Auto Funding, LLC whose XXXX number is XXXX, and then to XXXX XXXX XXXX XXXX, which now holds the loan as trustee for the CarMax XXXX XXXX XXXX XXXX whose XXXX number is XXXX refer to Exhibit A the assignment, bill of sale Exhibit B, also pages XXXX, XXXX, and XXXX of your {>= $1,000,000} ( XXXX ) CarMax XXXX XXXX XXXX XXXX Issuing Entity or Trust ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Prospectus form refer to Exhibit G. 
Ownership of debt? As evidenced by the UCC Financing Statement filed in Delaware ( XXXX Filing No. XXXX XXXX ) XXXX CarMax Business Services , LLC relinquished its ownership rights to the CarMax XXXX XXXX XXXX XXXX on XX/XX/XXXX. Therefore, CarMax XXXX XXXX XXXX XXXX and its affiliated entities have lost their rights to collect on the alleged debt and pursue legal actions against me regarding this account refer to Exhibit C for a copy of the UCC financing statement recorded XX/XX/XXXX between the XXXX affiliated entities above. Also they refer to my retail installment agreement as a receivable which is sold on stock exchange as asset backed securities, in which I have not received disclosure or compensation for. 
At the time of my vehicle purchase, I was unaware of any defect in title, as shown by the UCC filings. These filings demonstrate that the lien on my title was between the involved entities and not with me as the purchaser refer to Exhibit C. Therefore as the bona fide purchaser I have legal right to the vehicle.

I have a copy of the 1099-A Form, sent to me by the CFO of CarMax XXXX XXXX XXXX which indicates my liability for the debt ended on XX/XX/XXXX, when the debt was transferred to CarMax XXXX Services, LLC refer to Exhibit D. In addition, I have a certified UCC XXXX stating that there XXXX no lien against me refer to Exhibit XXXX. 
The retail installment agreement I signed contains a mandatory Arbitration Provision stating that ALL claims must be decided in Arbitration refer to Exhibit F the Arbitration Provision. I initiated arbitration with the XXXX XXXX XXXX, and a case number ( XXXX ) has been assigned. I will suffer irreparable harm! I rely on my vehicle to commute to work and have already missed two days of employment. I am an operating room nurse at a public hospital and every day I miss is also harmful to the community. The potential loss of my vehicle could jeopardize my job, leading to financial distress and emotional pain due to the ongoing defamatory claims regarding my account that directly affect my livelihood. The emotional and physical distress I have endured because of the actions has been overwhelming. Lastly I have a lien on the vehicle FILED AND RECORED XX/XX/XXXX refer to Exhibit H.
Product: Credit reporting or other personal consumer reports

The following inquiries viewed by others and me, currently listed and showing on my XXXX XXXX XXXXXXXX Report ID : XXXX is fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXXXXXX XXXX, XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XX/XX/2024XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2024, XXXX XXXXXXXX XXXX XX/XX/2024, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/2024, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Discover Financial. 2020 its said paid charge off. I requested over the last 3 years to have the charge off removed and Discover financial wasnt reported accurate payment information to the Credit Bureaus everything about my file with Discover is inaccurate. Please have Discover send you in my file every signature every payment every phone Conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my consumer rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation or proper contracts that goes against my accusation. Experian has also ignored all proper documentation Ive provided legally including police and F.T.C report this account XXXX XXXX that begins with XXXX as listed on the credit report still shows on credit reported after it had deleted and blocked this account should not be displayed on my credit report as well as im block from disputing the account online ever again in which I was told by Experian customer service fraud department
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.
Product: Checking or savings account

I went to the branch in Minnesota because my daughter is going to college in that state. I reside in Hawaii and is needing a teen checking account so that my daughter has an account with Wells Fargo because her dad also banks there. The banker force us to opening another account with just my name on there without disclosing fees. I was informed that it would be a free account but later on found out that there's a monthly fee on the account and overdraft fee that they are refusing to be returned. I would like to have the fee refunded and close the account but I can't do that unless the fee is refunded. I would like to complaint because they illegally opened this account by forcing me into it and charge me fees.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

APPLE CARD/GS BANK USA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the APPLE CARD/GS BANK USA customer service representative XXXX 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Credit card or prepaid card

I opened Bank of America Credit ( BoA ) with a limit of {$28000.00}. 
On or about XX/XX/XXXX, I purchased ( i.e., signed a contract/invoice attached-this was cabinet purchase only without installation ) kitchen cabinets from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX, XXXX : XXXX ) with Total Amount of {$16000.00} ( See the I ) ; the XXXX made two separate equal transactions of {$8600.00} on XXXXwhen purchased & XX/XX/XXXX of XXXX-one delivery. The Delivery Date was supposed be XX/XX/XXXX ; however, the delivery was completed more than two months later. 
On or about XX/XX/XXXX, my BoA credit card Balance was {$27000.00} XXXX almost maxed out of {$28000.00} limit ) ; however, XXXX XXXX made an UNAUTHORIZED CHARGE of {$5300.00}. 
Between XX/XX/XXXX & XX/XX/XXXX, DLeon Kitchen made repeated UNAUTHORIZED CHARGES ( {$8600.00} & {$5700.00}, respectively ). 
On or about XX/XX/XXXX, I filed dispute with the BoA ; Firstly, I disputed with the BoA, the UNAUTHORIZED CHARGES OF {$5300.00} ; more importantly, the BOA went over the authorized limit without my consent. 
Lastly, I disputed with the Boa, the UNAUTHORIZED CHAREGES OF {$8600.00} & XXXX ( i.e., I only signed and purchased on one contract for the cabinets, no other purchases were made after XX/XX/XXXX ). 
On or about XX/XX/XXXX, the BoA simply denied my requests, without a reasonable explanation, with reasons- the charges were authorized! This is completely incorrect! I firmly believe that the BoA made erroneous decision based on what appears to be easier on them rather than what is the Correct/Right decision. 
Please properly investigate and help me with the BoA unfair & illegal practice. 
Thanks,
Product: Student loan

I make a payment every month and because it is within 120 days I request that it is applied to the principal. Every month they do not apply it to the principal and I have to call and for them to reapply the payment just to the principal. 

My 2nd to last payment was made on XX/XX/18. I requested that the payment be applied to principal only for the same reason ( within 120 days ). I've called 3 times for them to do this and it is not being completed. It is now a full month. Calling is not resolving the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor is  XXXX   Store Card.  The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the  XXXX  report it shows the chargeoff don e in   XX/XX/XXXX  , on  the  XXXX report it shows that i was in good standing with them during that time. It also has no close date on  XXXX  or  XXXX . No high balance recorded on   XXXX   or  XXXX . No visible Account number, it is completely blocked out. On Transunion, it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them o n / XX/XX/XXXX to h ave the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I brought my sick cat to XXXX XXXX XXXX XXXX. I was quoted a {$4200.00} maximum and paid {$3000.00} through Scratchpay ( Loan ID : XXXX ). After admitting my pet, I was told I must pay an additional {$1500.00} immediately or they would surrender my cat. I was denied a payment plan, ignored when I asked for options, and pressured while emotionally distressed. 

A third party paid the {$1500.00} without my full consent, leaving me indebted to them. After XXXX, I was told I could pick up my pet, but they added more charges and refused release until I agreed to pay another {$770.00}, which I was forced to finance through a second Scratchpay loan ( Loan ID : XXXX ). 

I was misled about total costs, billed for treatments I declined, and given contradicting stories. The staff treated me with hostility and refused to communicate once I asked for clarification. This was a predatory and coercive financial situation. I did not freely consent to either loan. 

These actions violate : FCRA ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate or unfairly obtained debt TILA ( 15 U.S.C. 1601 ) : Lack of full disclosure before loan approval UDAAP ( 12 U.S.C. 5531, 5536 ) : Financial products offered through deception or pressure I am requesting investigation and removal of both Scratchpay loans from my credit due to coercion, misrepresentation, and lack of informed consent.
Product: Payday loan, title loan, or personal loan

I was a victim of identity theft. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple XXXX XXXX dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I'm so disappointed! Regardless of multiple written requests, the unverified inquiries listed below is still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove these inquiries completely from my credit reports. 
XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023 and XXXX  Inquiry Date XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Student loan

I am a co-signer on my stepsons student loan with Navient. I have sent them multiple messages now to contact XXXX ( stepson ) about past due amounts. I have supplied his contact info both cell, alternative phone, and new address. I even explained he was without a job for a few months. Now Navient is calling my cell phone 5+ times a day, everyday. I have already spoken to them, why the excessive calls?