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

Car Max has a XXXX XXXX XXXX i offered on their website that I applied for an had on hold for a few days. It has come to my attention that Carmax has been submitting my information to lenders with out my permission. I have received emails from two different lenders denying me credit I have never applied for. I have received a notice from santander as well as XXXX XXXX XXXX who I have never heard of in my entire life. This is once again a violation of my fifth amendment rights. Carmax has committed identity theft and has used my private information for public use. This is a violation of the Takings Clause and I do not consent to Carmax using my personal information for their benefit. I would like the CFPB to investigate this matter with a fine tooth comb and provide me all the submissions that were submitted by Carnax. The information presented to the companies are totally wrong but my social security number was used and the registered fictious name was used as well. I alledge that Carmax is committing securities fraud against my Estate and should be punished to the highest extent of the law. The disregard for my rights are evident as a representative of carmax did not consult with or discuss any intent when using my information. Infact the car I was trying to buy was in Arizona but the reports of are coming from XXXX, CA. These are two different locations of the franchise. Carmax XXXX, CA is committing Securities fraud and the SEC, XXXX, And FTC should be called into investigate.
Product: Debt collection

A random account that went by ( LAW OFFICES MBA ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( XXXX XXXX ) and when I looked into it, i noticed that it was for the same amount that the ( LAW OFFICES MBA ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.
Product: Credit reporting

I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The following students loan were reported twice. 
XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed The other account is from XXXX that appear XXXX missed payments. This account was pay in full and in the credit information is incorrect. 
The XXXX XXXX XXXX XXXX # XXXX is a secured account with a saving account. Is impossible that can be 30 days in delinquency. 
The XXXX XXXX XXXX XXXX # XXXX has an incorrect information that not was investigated properly.
Product: Debt collection

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : MediCredit INC. This company opened an account using my personal information with no authorization from me. This company has reported that the account of the alleged debt is open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information the debt collection company listed above. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation if any of my medical information is stored in their establishment. This company used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.
Product: Checking or savings account

Id like to file a complaint on my banker XXXX XXXX at the rapid city sd location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX sd XXXX and US Bank. 

I went in to find out about opening an account with nearly XXXX XXXX XXXX  and the banker named XXXX, lied to me in order to get me to open the account so she would get a commission. She told me multiple times that there would be no transaction limits, something that is very important to me and I repeatedly asked about. After opening the account my card was declined immediately for going over the transaction limits she swore didnt exist. After that she refused to speak with me about other options to avoid limits like opening separate accounts. US bank has ignored the fraud reports completely and all requests for a different account. 

Setting up this account cost me money and now using it cost me a lot of money just to take out my own funds and make separate trips every time I buy something. If theres ever an emergency I wouldnt be able to do anything and it WILL be us banks fail, its also preventing me from working which I do on the road. Now Im on the road and cant get anything done. I have over XXXX XXXXXXXX and they are telling me I can only spend XXXX XXXX  a day. Besides the fraud to get my business, this is also illegal. 

Us bank has ignored the bbb complaint and pretended the fraud wasnt a part of it. This is a serious federal crime I will be seeking accountability for.
Product: Checking or savings account

Netspend closed my account and They were supposed to send me a check for return of funds for my closed account and I never received it in the mail. I reported it lost and they claimed it was cashed And after many attempts, they finally agreed to re-issue the payment to my account and send a XXXX and then the same day They did a total reversal and decided theyre not gon na send me my return of funds from my closed account.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not able to access by credit report through annualcreditreport.com, nor through any of the consumer reporting agencies ( Transunion, XXXX or XXXX websites give me an error message and will not let me access ). I would like to receive my consumer report ( s ) by mail. I am a victim of identity theft and I have not been able to review my consumer report on a monthly basis since XX/XX/.
Product: Debt collection

Portfolio Recovery Associates used Robo-dialing electronic devices to call my private phone number that is trust property. I have not contracted with this company nor do I have any debts nor have had any debts with this company, I have asked this company to stop calling me and that the person whom they are trying to reach is not this phone number, I was told by an agent that they can call a family member if they want to. That may be true in some states but not Georgia, and is also a misrepresentation of facts and its definitely not authorized by the telephone communications protections act. After I explained to the agent that I wanted no more further communication with the company they still call my phone, I have sent them an affidavit of truth that has gone unrebutted 14 days plus 2 for their violations and Trespass against my property and my rights. I have all the evidence to state a action for where remedy can be found. These calls are a gross violation of this companies standing Judgement order that they just received in XX/XX/2023. Civil action will be filed for unresponsive to the affidavit which shows prima facie evidence of their acknowledgement of their violations and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that Equifax, XXXX, and XXXX claim false information and this has violated my rights by law by not removing after the proof was given and it has been disputed 3 times with them and also came to CFPBs for the 2nd time now. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted 2 months ago like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB Equifax, XXXX, and XXXX so I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed, and weve been patiently waiting for over 2 months now!!! Have a blessed week!
Product: Credit reporting or other personal consumer reports

Despite communication with the company inaccurate information remains on my credit report. inquiries are shown on my credit report that were not authorized by myself that the company has failed to remove and is affecting my credit. 
XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a credit card called " Care Credit '' from Synchrony Bank. ending in XXXX. I was affected by COVID-19 badly and called the credit card company to see what relief I can get. My card balance was on a zero interest rates due to promotions. I had six purchases on my card total. The 1st 0 % promotion was to expire XX/XX/XXXX This balance was {$710.00}. 
On XX/XX/XXXX I called company and spoke with representative XXXX. Very professional and caring. She did 3 things for my account because I was affected by covid 19. ( 1 ) She waived my monthly balance, ( 2 )  she stated if I pay my overdue promotion amount {$710.00} by next month they will remove the finance charge of {$440.00}. ( 3 ) she also stated 3 of my zero % purchases will expire soon on XX/XX/XXXX, XXXX so she will extend its due date out to XX/XX/XXXX. Number 1 and 2 above was done successfully. The problem is number ( 3 ). My balance on my card should be {$5200.00}. When I checked the card i was charged {$760.00} interest for the 3 promotions that was due in XXXX but XXXX extended out to XXXX and then I was Charged finance charges for that amount of {$71.00}. I called company and spoke to representative XXXX on XX/XX/XXXX who stated give them 3 days to review the telephone call. I called a week later and spoke with supervisor XXXX XXXX who stated no it takes 3o days to review phone conversations not 3. I called back and spoke with supervisor XXXX, then representative name XXXX and all read the notes and see that the recordings revealed XXXX stating the promotion will be extended to XX/XX/XXXX. My question remains so if this promotion was extended why am I being charged the {$760.00} in interest and then finance charges for XXXX of {$71.00} ( which will inncur interest every month ) and my mininmum balance due amount is being increased and higher. THIS IS FRAUD. 
I owe {$5200.00} they added on {$760.00} + {$71.00} now my balance is {$6100.00}. On XX/XX/XXXX I spoke with manager XXXX in the collection unit he just transferred me to a rep. name XXXX who stated she understood what I was s aying and could not understand either why I was being charged upfront for finace fees on interest that is prematurely being added to account before the due date of my promotion. I believe they are taking advantage of consumers during this pandemic. They keep transferring me and not assisting me when I call. I waited over one hour and the phone just disconnected i never heard from the credit card company.
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 the Experian, XXXX, and XXXX to reinvestigate these 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 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 suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

EQUIFAX DATA BREACH - VERIFIED THROUGH THE SITE XXXX XXXX AND CREDIT INFORMATION WAS BREACHED
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my report that needs to be removed. I have contacted the credit reporting agency via mail and they have not removed these hard inquiries causing damages to my credit. In accordance with the Fair Credit Reporting Act these unverified and unauthorized inquiries must be removed ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, U.S Department of Education XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have disputed a charge twice with Chase Freedom XXXX card. Each time, Chase fails to provide evidence of what the merchant is claiming- yet resolves the dispute in the merchants favor. 

I disputed a charge on my Chase Freedom XXXX card. On XXXX XXXX XXXX I purchased a stay thru XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX  The next day, XX/XX/XXXX, I tried to cancel the purchase but was told that I purchased a non-refundable stay. 

I was not aware that I purchased a non-refundable stay. Had I known, I would have purchased trip cancellation insurance which is very inexpensive. In fact, on XX/XX/XXXX, I purchased such insurance for another stay with another company, XXXX, because XXXX let me know in advance the trip was non-refundable. ( See accompanying attachments ). 

Chase has not provided proof that I agreed to a non-refundable purchase. I simply received a letter stating that the charge is valid and fails to provide evidence that I was aware that I was purchasing a non-refundable purchase per the merchant. ( See attachment ).
Product: Checking or savings account

Ok I opened an account with capital one After I Received my debit cards I got an email from capital one stating that my accounts are potentially closed I after that I gave them a call and they told me there closing my accounts because of previous accounts that I have had Previously which I never had an account with capital one ever they closed both of my accounts for no Reason capital 360 and small business account
Product: Vehicle loan or lease

Was laid off from my job. Have been trying to apply for financial hardship adjustment but to no avail. Interest and fees seem to keep increasing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquiries that are on my consumer report that I did not authorize. I even noticed that the same company names multiple times in the same period as a hard inquiry on my consumer report. I wrote the CRA TransUnion but they sent me back a response that it was verified with no proof of this verification. I am demanding that they remove all of those unauthorized hard inquiries listed on my report that were not authorized. The only hard inquiries that should be on my consumer report that I authorized are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 1 ), I as the consumer am entitled to an accurate report and the CRA TransUnion has not done that. Therefore they are in violation and are being put on notice for violating the law.
Product: Credit card or prepaid card

We signed up for Unemployment on XX/XX/2020 and we should've received a Debit card in the mail maybe a week later but its XX/XX/2020 and we still havent seen a card we have talked to XXXX where we signed up and they told us to talk to www.goprogram.com or Way2go and the customer seivce wont pick up and we saw that if we have questions come to this website and thats where we are
Product: Checking or savings account

Received automated email from 5th/3rd regarding a charge to my atm/checking account being suspicious with instructions to call to verify. It was a non authorized usage of the card and I called 5th/3rd as instructed and passed that information on to the representative on XX/XX/XXXX. The representative said she would note my account. I told the representative that ATM account had never been used since issuance and potentially was compromised by a Branch Employee who my wife saw on the prior day. I instructed the representative to cancel the ATM account that had been compromised. 

Today I received my 5th/3rd Bank Statement and the charge that was fraudulent showed up on my Statement even though I called back on XX/XX/XXXX and informed 5th/3rd of the fraudulent use of the ATM card. 

This issue should have been addressed when I called 5th/3rd, responding to their email, and informed them of the fraudulent use of my 5th/3rd account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C.1681 Section 602 A. States that I have the right to privacy.15 U.S.C . 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

My father passed XXXX XXXX, 2016 he had a home equity line of credit and insurance to pay it off purchased in the home equity. I spent 5 month trying to get a amortization schedule from bank providing the death certificate and the will to bank by XXXX XXXX if not sooner. took till XXXX XXXX, 2016 to receive this document. then payment was made by insurance company on XXXX/XXXX/2016 applied XXXX/XXXX/2016. was told that the funds would be transferred back to checking account and lien release would be provided in 10 business day. on XX/XX/XXXX i called as nothing occurred and now they claim all they have is death cert and nothing else. i provided this to branch in XX/XX/XXXX and to XXXXXXXXXXXX on XXXX XXXX, 2016. Resent XXXX XXXX, 2016
Product: Checking or savings account

I had a deposit from XXXX  of XXXX on XX/XX/XXXX and after a few days they froze my account at chase saying they cant tell me why but they will hold my funds until they investigate every transaction. Which are all legit. I am XXXX and have kids and im a single mom they are withholding money i need to keep a roof over my kids heads! they said even if i went in person or talked to the ceo there was nothing i can do and it can be a long time before they give me my money.
Product: Student loan

I haven received calls at XXXX every morning for this week from this company ( Navient ). I explained to 3 different reps that I was homeless last month and am currently no longer living at the zip code associated with my loans and they argued with me there is nothing we can do we go by the zip code and the area code off your phone number and when I explained that I havent changed my phone number but I now live in XXXX and not XXXX therefore a different time zone they still argued with me and gave me a hostile attitude. I have only missed 2 payments and they are harassing me calling me every single day and even leaving me voicemail messages when my voicemail explicitly says not to. The harassment has to stop I can not make a payment at this time I am unemployed and I just moved into a home as I was HOMELESS and literally found out I am pregnant the day I got to AZ, and have been so sick I am unable to look for a job as the XXXX is causing me to be severely ill and dropping weight rapidly. I have XXXX other children to take care of and the fact that Navient calls me at XXXX every morning forces my daily XXXX  to begin early, therefor making me sicker for longer portions of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : inquiries I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED.

Thank you for your time and help in this matter. 

Sincerely,
Product: Mortgage

In XXXX, XXXX XXXX XXXX issued a payment to the taxing authority in which I reside, on a non-escrowed XXXX mortgage after I had already paid the property taxes for the home in full. 

In XX/XX/XXXX I received notice from mortgage servicer that my mortgage was in an escrow deficit, and that I was to cover the amount rendered for the current taxing year, as well as cover the escrow payments for taxes and insurance for the following year, Which was to be paid out in XX/XX/XXXX. 

This raised my monthly payment from {$2000.00} a month to {$5500.00} a month with no allowance for partial payments. 

My calculated DTI for PITI was in the neighborhood {$4000.00} a {$4500.00} a month. This situation raised my financial obligations to over {$6100.00} a month. 

Furthermore, while the loan servicers statements claimed this new amount was to cover Taxes and Insurance, I later found out that they were covering only the property taxes in the newly calculated amount, as the insurance company was not paid the premium to cover the home, which created a subsequent problem in which a forced policy was applied by the lender to cover the lapse in coverage. 

This situation has yet to be resolved and has caused me extreme stress and anxiety, and I am now facing the foreclosure of my home and potential homelessness. As I am currently unemployed in the aftermath of the COVID-19 pandemic, should I lose my home it is highly unlikely that I will be able to recover and continue on as a contributing member of society.