23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

What is this complaint about? 
Predatory Lending What type of problem are you having? 

I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 
They did not tell me that there is a daily interest rate and lied to me about the APR. 


What happened? 
I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 

What company is this complaint about? 

This complaint is about misleading financial practices of CarMax. They have taken the predatory lending tactics of XXXX a major business partner of theirs who was just sued by the attorney general and applied it to their financial model of predatory lending. 


Who are the people involved? 

XXXX XXXX CarMax Financial
Product: Checking or savings account

On XX/XX/26 I contacted Wells Fargo on the phone and in person about my account access being blocked. I was told a fraudulent check from XXXX  had been deposited. I was told the check was not paid by the XXXX bank and I needed to contact them. I was warned that the bank may choose to end their relationship with me if it happened again. I immediately called XXXX at XXXX. He contacted his bank payment people. They said the check had never been submitted for payment. XXXX said he was willing to tell them this. I went to a branch in person. They could not tell me why or what happened. Only that my account was overdrawn and they would not reverse the fees. My account was overdrawn because they were taking money out to move to savings, plus They did not request a properly deposited check be paid. In addition, they would not tell me why the check had not been submitted to XXXX, or give me any records i requested. This was at a branch location in XXXX, CA. I gave up and successfully deposited my check to XXXX without incident and was immediately able to access those funds. I believe this is stealing at the most despicable level. I was not treated with any kind of dignity or respect. Even at the branch office I was greeted by a security guard.
Product: Debt collection

I have attempted to resolve this issue this claim as of XX/XX/year>, however, no substantial proof has been provide. I never ( or ever had ) any type of contract and/or obligation to pay this company or the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Since XX/XX/2016 I have sent numerous letters, proof of claims, and multiple request ( s ) for investigation or if unfounded, item deletion on the credit agency reports. Yet, these same items have not only been ignored, but remain on the report almost three years later!

No verification of item ( s ) reported have been forwarded, nor have these agencies complied with the FTC timelines thus, item ( s ) should in effect be removed.

So now my only recourse is my filing of complaint against the following credit reporting agencies ( all three ) : XXXX : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine Experian : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation. 

XXXX is reports two bankruptcies that are inaccurate, names and alias that are not correct, incorrect addresses, and five unverified negative accounts that have not been proven as mine, yet Experian refuses to investigate or delete! 

The only correct names that should appear are : XXXX XXXX XXXX XXXX XXXX XXXX The following accounts reported negative by Experian are not mine, nor is there any proof from Experian provided that my complaints have been investigated! 

XXXX XXXX XXXX reported as Negative - not mine XXXX XXXX reported as Negative - not mine XXXX  XXXX reported as Negative ( twice, same account ) XXXX XXXX reported as Negative - not mine XXXX/XXXX reported as Negative - not mine XXXX XXXX   XXXX reported as Negative - not mine XXXX  : For nearly three years I have requested the following information, reported " negative '' be deleted if it could not be verified by the source. Not only has the information not been verified, it continues to show up on my report after years of letters, proof and documentation.

XXXX reports two bankruptcies that are inaccurate or erroneously documented XXXX  account with incomplete information " paid as agreed '', followed by " negative ''. The account has not been verified as my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my consumer report before I apply for a new house and noticed inaccurate and fraudulent account on my consumer report. This is ruining my life, I am unable to apply for certain things due to the inaccurate information on my account. My identity was stolen, and it is pretty scary knowing that someone has misused my information without my knowledge or authorization
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .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, are considered transactions. 
Therefore, all late payments should not show on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 late charges on capital one accountthis was a mistake and was also under the cares act stated must be rmoved during this time, ive contacted cap 1 twice with letter, and i always get a computer generated letter with the exact wording sent backive always on beentime before this and after, ineed this off.been about a year 1/2now
Product: Mortgage

I am writing to you because after countless attempts made I have not been able to speak with the correct person within Freedom Mortgage to address the overage that was paid to Freedom Mortgage when I paid in full on XX/XX/year> that has not been sent back to me. 

I received a check for my escrow refund but not for the principle paid for XXXX, the 11 days of interest that was paid for XX/XX/year> and the three days of interest that was overpaid for XXXX. The payoff was good through XX/XX/XXXX and the full payoff in the amount of XXXX was wired XX/XX/year> and the same day I received confirmation my mortgage been paid in full. 

I am able to provide proof of payoff on XX/XX/year> and the payoff letter good through XX/XX/year> if I need to showing {$180000.00}.
Product: Debt collection

I am writing to file a formal complaint against " 60 Day Credit Repair '' for deceptive and misleading practices related to a credit repair service I signed up for in XX/XX/year>. 

I was promised by " 60 Day Credit Repair '' that they would assist in collectively increasing my credit score by 100 points within 90 days or longer. They also assured me that certain negative items could be, and most likely would be, removed from my credit report. However, after the 90-day period, none of these promises were fulfilledno items were removed from my credit report.

After the 90 days, I was contacted by " XXXX '' and informed that I owed {$1300.00}. A representative from XXXX explained that since the 100-point increase in my credit score did not happen, the business canceled the contract, and I was responsible for the amount mentioned and all credit repair services were stopped. 

On XX/XX/year>, I discovered that XXXX had reported a new " XXXX XXXX XXXX '' on my credit report with a balance of {$1600.00} which doesn't match the amount originally told to me. I believe I have been scammed and that I was deceived and misled into signing up for this service under false pretenses. The promises made by " 60 Day Credit Repair '' were not fulfilled, and the subsequent actions by " XXXX  '' have only exacerbated the situation, putting my financial future at risk. 

This has come at a particularly critical time, as I am in the process of refinancing my home, and this new entry has the potential to severely impact my ability to close on the refinancing. 

I kindly request the CFPB to investigate this matter and take appropriate action against these businesses to prevent them from causing further harm to consumers. I want this removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I believe the amount the company reports and collects is erroneous and there are inaccuracies in the details Wells Fargo wrote about this account. I do not recognize the information you report, I need to confirm that it is correct, complete and accurate. Furthermore, they did not take into account my status as an older adult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.
Product: Credit reporting or other personal consumer reports

I have student loan debt from attending XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saving lives of XXXX XXXX XXXXXXXX  XXXX and due to my student loan debt of {$54000.00} being reported by NelNet to XXXX, XXXX, and XXXX, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a XXXX XXXX. I am an XXXX XXXX XXXX XXXX XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an XXXXXXXX XXXX because of my student loan debt being reported as such.
Product: Debt collection

Received a phone call from ERC wanting me to pay for a past due bill from XXXX. 
Tried keep me on automated system. before finally having to wait for a operator. 
Wanted my social security number. Wouldn't give it. 
Said the were trying to collect a debt from XXXX. 

Called on XX/XX/XXXX @ XXXX from XXXX
Product: Checking or savings account

XX/XX/XXXX I shouldve received a deposit from my paycheck and as of XX/XX/XXXX @ XXXX cst. 

Ive attempted to reach out, even to an executive via XXXX. 

An email was sent yesterday evening that this would be resolved Friday morning. 

It is still not resolved and no clear explanation on why this occurred and when it will be resolved. I would like my anticipated deposit and compensation due to the inconvenience and stress.
Product: Debt collection

Company has been pursuing me since 2008 for a debt they can not prove is mine in any way. They continue, year after year, trying to file fraudulent court documents with differing amounts to try to get me to pay. I have responded in kind, asking that any proof I owe this debt be sent to me and the court in writing. They have failed to do so. 
At this point, I consider it harassment and they are wasting my and the court 's time. They say the debt on or before 2008. Per Ohio statues, even if the debt was mine, it has been over seven years, and is now out of statutes. 
I would like to file a formal complaint and suggest that I am not the only XXXX they are doing this to, it is a clear violation of the FCRA.
Product: Vehicle loan or lease

Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/XXXX please mail to XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX THIS WAS KFA RESPONSE I WANT THIS MATTER TAKEN SERIOUSLY! 

In their complaint, XXXX XXXX XXXX XXXX Kia Finance America ( KFA ) issued him a refund check, in the amount of {$4000.00}, which was stolen from his car. XXXX XXXX states he has contacted KFA to request the check be reissued to him, but KFA advised the check had been cashed and would not reissue it. XXXX XXXX requests KFA reissue the refund check to him. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion regarding the refunds issued to XXXX XXXX. KFA issued XXXX XXXX refunds totaling {$4000.00}. KFA spoke with XXXX XXXX on XX/XX/XXXX, at which time he confirmed receipt of the refund checks, verifying the amounts and check numbers with KFA. Both checks were then cashed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted KFA, advising he had misplaced the refund checks, at which time he was advised they had previously been cashed. Should XXXX XXXX believe the checks were cashed by an unauthorized third party, he may contact KFAs Customer Service department, at ( XXXX ) XXXX, to have an investigation opened. 

THE FACTS IS TRUE I DID CAL KFA AND ASKED WHY WAS IT MAILED AND YES CONFIRMED RECEIVING BUT THEY WERE STOLEN OUT MY CAR BEFORE CASHING WHICH I EXPLAINED MY FAMILY NEEDS THIS MONEY THIS IS HUMILATION.JUST BECAUSE I RECIEVED AND CONFIRMED I GOT IT DOESNT MEAN I CASHED IT
Product: Bank account or service

My husband died in America and I was forced to return to XXXX XXXX. I 'm the Executor of his estate but the Bank of America refuses to pay me the balance in his account. There reason being? we are not going to be able to accept the documentation you provided to me to open an estate account. As we discussed before in the past, the documentation for the estate would have to be from a State of Florida Judge naming the personal representative to the estate. Once we have that documentation and a tax ID number for the estate we could then open an estate account for the funds that he had here at Bank of America to be deposited in and the personal representative could distribute the funds as they see fit.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Company : Select Portfolio Services, ( SPS ) Mortgage Account Number : XXXX Property : XXXXXXXX XXXX XXXX  XXXX, XXXX CA XXXX On my credit report SPS incorrectly reported I was in foreclosure on XX/XX/XXXX and XX/XX/XXXX. My account is current and I was not in foreclosure during this period. 

I called in XX/XX/XXXX and first told that they did not submit any negative reports to my credit record. I would need proof to show SPS posted incorrect report. 

On my second attempt XX/XX/XXXX, I spoke to SPS Representative XXXX, I told her I had proof that the SPS did report I was in foreclosure. Her response is the report is correct. I can TRY to submit request for correction to the credit bureau but it will take 30 days however, their records show it's correct. 

I did try to speak to my Relationship Manager XXXX with no success. My calls were immediately redirected another representative. 

I am extremely frustrated with SPS with their consistent misinformation and lack of assistance. I feel they are holding me hostage. 

I am requesting for your assistance to have SPS correct my credit report. This has caused me undue hardship. Any help will be greatly appreciated.
Product: Checking or savings account

i tried to open a business checking account and they said my application was not approved XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have a student loan through the servicer XXXX, opened in XXXX, which I paid off and closed XXXX XXXX, XXXX. My monthly statements began in XXXX XXXX. I paid above the minimum payment every month until account closure. My credit, however, does not show the correct information for either XXXX or Equifax. 

With Equifax, this loan is not shown at all. I have had incredible difficulty submitting a dispute or contacting Equifax, and so have not had any contact with the company at all. I attempted to call Equifax at the number listed online ( XXXX ) on XX/XX/XXXXXXXX  -- whoever answered asked me very personal questions, including my full home address and full SSN. He also texted me a verification code and asked that I give him the number. I stated that that behavior was strange, and I was nervous about being scammed. He said, " I need this information to verify your identity ''. This seemed very odd, so I hung up and have not tried again since then. 

With XXXX, I have submitted two disputes. At first, the loan showed at full balance, no payments, as of XX/XX/XXXX. I submitted the first dispute on that date, providing screenshots of payments and {$0.00} balance. The results of that dispute, ready XX/XX/XXXX, still led to inaccurate reporting -- the loan showed as closed, with payments of {$0.00} made from XXXX. I submitted the second dispute on XX/XX/XXXX to argue against these changes. The results from the second dispute, sent on XX/XX/XXXX, stated that the published information was correct and would not be changed. 

I called XXXX on XX/XX/XXXX to state that my payments were not being accurately reported to the bureaus. The representative stated, " There is no credit reporting on this account. You should reach out to the credit bureaus, '' and that there was nothing to be done on XXXX 's side.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX