23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against CARMAX AUTO FINANCE and the consumer reporting agencies, XXXX and XXXX, for inaccurately furnishing information regarding my account, which has resulted in severe damage to my character, reputation, and way of life. This inaccurate reporting has also adversely affected my ability to obtain credit for personal and household needs. 

On my credit report, CARMAX AUTO FINANCE reports an account balance of {$5000.00} with a status of 'Derogatory ' and 'Charged-off '. This is perplexing because a charged-off account should not have an outstanding balance. Additionally, there is a discrepancy in the dates of the last payment reported by XXXX and XXXX. XXXX reports the last payment as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Furthermore, the last reported dates on XXXX and XXXX do not match, even after my report was updated. XXXX now shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

As per 15 U.S. Code 1681s2, furnishers of information are required to ensure the accuracy of the data they provide to consumer reporting agencies. It is unlawful to furnish information if the furnisher knows or has reason to believe that the information is incorrect. Once notified of inaccuracies by the consumer, the furnisher is prohibited from continuing to provide that erroneous data. 

The IRS guidelines clearly denote that a charge-off is classified as gross ordinary income, which is not reported on consumer reports. Therefore, portraying this account as a debt is fundamentally flawed and inaccurate. 

In the case of Adams v. Equifax Information Services, XXXX, XXXX was sued for inaccurately furnishing information to consumer reporting agencies. The plaintiffs alleged that XXXX violated the Fair Credit Reporting Act ( FCRA ) by failing to maintain reasonable procedures to ensure the accuracy of credit reports and failing to conduct proper investigations of disputed information. This case underscores the importance of accurate reporting and the legal responsibility that agencies have to ensure the veracity of their reports. By continuing to furnish inaccurate information, XXXX and XXXX are putting themselves at risk of similar legal consequences. 

In light of the above, I urge CARMAX AUTO FINANCE, XXXX, and XXXX to rectify the inaccuracies immediately and cease the furnishing of any further erroneous information. This negligence has caused substantial harm to my family and me. This letter serves as a final warning and an opportunity for the mentioned parties to address and correct these inaccuracies. 

I expect a detailed response within 30 days, outlining the corrective actions undertaken. If the current reporting is upheld, a thorough justification, referencing specific sections of the FCRA or other applicable statutes, is mandated. 

Your urgent attention to this pressing matter is anticipated. This letter has been cc'ed to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid the contract of the loan but had arrears from getting behind during COVID. And then in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and fell behind due to not working XXXX XXXX XXXX XXXX and they would not allow me to get back to work yo finish the remaining of the loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

On XXXX XXXX, 2016, I mistakenly mailed a check to USAA credit card XXXX. The check was for {$2500.00} and was made out to XXXX XXXX XXXX. On XXXX XXXX, I realized I had maybe made an error and had sent the check to USAA. I called USAA credit card services and was told that they had not received the check and would not cash a check not made to them. On XXXX XXXX, I called my checking account bank, XXXX and was told the check had been cashed. After going to XXXX I received a print of the front and back of the check and surely enough it had been cashed by USAA on XXXX XXXX, although I had a credit due from the USAA credit card of over {$100.00}. On XXXX XXXX, after calling USAA, I was told that they could not issue me a refund until I called them back in 10 days. The reason given was that they had to made sure the check was valid since it came from an external source, although I had a copy of the cancelled check in my hand. I was also told that they could wire the money to the bank that day, XXXX XXXX, but I would need to pay them 3 % of the amount wired. 
On XXXX XXXX, thinking that I had made a clerical error in my check book, I had issued XXXX XXXX XXXX another check for for {$2500.00}. Now, USAA could not return the check for another 10 days or more but could immediately wire the money at considerable cost to me. 
Translated that means pay USAA {$77.00} and they will wire the money immediately or call USAA in 10 days and they will mail me a refund whenever. 
I had to borrow money from my son to cover the second {$2500.00} check until my husband arrived from his work the following day to issue me another check for the same amount. 
I am very unhappy with USAA and will be cancelling the credit card as soon as my money is refunded. I hope I have described the situation clearly. Thanks for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i responded to transunion and XXXX about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX XXXX  comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house
Product: Credit reporting or other personal consumer reports

On the date of XXXX a fraudulent unauthorised inquiry from XXXX XXXX  had reported to my credit file along with Wells Fargo on the date of XX/XX/year> and then on XX/XX/year> another XXXX  XXXX inquiry had reported to my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Account Number : XXXX This account does not belong to me, it is the result of identity theft. 


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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a time of XXXX BBva compass allowed someone to use my identifying information to open several loans and account and bank accounts.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX
Product: Mortgage

Re : J.P. Morgan Chase/formerly Washington Mutual Loan No. : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX 've had a mortgage loan on a rental property with Chase/WAMU since XX/XX/XXXXChase unreasonably delayed the modification to take advantage of the fact the property had equity in order to continuously charge late fees and gain additional interest that accrued during the delay. 
I quickly provided all documentation requested and quickly responded to all phone calls. However, from the beginning to the end to the process, Chase took more than a year to make a decision. To justify the delays, the underwriters would repeatedly ask for documents that I had already provided and repeatedly asked for explanations of matters previously explained, to justify giving itself another 30 day period to decide. Still I cooperated. I sent letter after letter providing duplicative documentation and duplicative explanations and advising them of so in writing. When it looked like a decision could not be avoided, the underwriter would state that the appraisal on the home expired, and they would have to get a new appraisal and then update other documentation. Then they would again ask for documents they already had, repeatedly, in order to give themselves another 30 days. This happened repeatedly during the process. Finally, in XX/XX/XXXX, they denied the modification. Coincidently, they failed to properly address its letter to me so that when I actually demanded and received a copy of it, I had little time to appeal. I appealed nonetheless. Chase denied the appeal. They recommended that I reapply with updated financial situation. 
I reapplied in XX/XX/XXXX. I quickly resubmitted all the documentation and explanations. Again, Chase would repeatedly ask for clarification on matter previously clarified and documents previously submitted. They continued to delay a decision until XX/XX/XXXX. Incredibly, Chase again mails me the denial letter improperly addressed, assuring it can not be delivered. When it finally resends it to me by email, upon my request, I have only few days to file an appeal. Worse, the representative essentially states to me that " the investor '' does not modify rental property. If this is the case, why did Chase not advise me of that fact immediately upon filing either request for modification? Now the arrears are too large to manage. Chase will not spread it out during the remaining terms of the note. But, because the property has equity, it assures that even in a foreclosure, they will have earned additional interest and almost two years of monthly late fees that could have been avoided but/for its delay. The practices employed here by Chase are deceptive, unfair, unreasonable, in bad faith, and aimed to have people waste their time, loose their property, while Chase benefits financially by its conduct and its unreasonable delay. It has no problem properly addressing letter asking for payment of all fees, requesting deed in lieu of foreclosure, etc. If you agency needs a representative to bring further action against Chase for similar misconduct, you can count on my full cooperation.
Product: Debt collection

Spend numerous hours trying to cancel a gym membership and was unable to with the gym manager. Finally was able to cancel and get charges refunded which manager assured me this is resolved by an email and voicemail which I have. After receiving the debt call I was able to reach the billing dept which was unknowst to me. They came to the conclusion about me owing the debt even though the manager assured me it is resolved. This company looks to have a bad history of debt not being owed as shown with the XXXX and an investigation by XXXX i team for similiar practices. I also have a voicemail I can send of the manager calling me to say this has been resolved.
Product: Checking or savings account

I sent my sister a check. She tried to deposit it into her XXXX account. XXXX responed it was a duplicate deposit and to file a complaint with my bank. I have included all of the documentation
Product: Debt collection

This debit was deleted by previous collect due to them being unable to verify debt. Now it looks as tho they have sold debit to another third party reappearing as a new collection.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX XXXX XXXX requesting validation for a debt that they say I owe. In response I received a letter from them on XX/XX/year> with a final account statement and a lease that did not correspond with one another that they say was the evidence that verified this debt. Upon looking at the information that XXXX 's provided I notice that the final account statement lease dates does not match the lease that was provided. The lease that was provided states that it is a renewal lease in which I never signed a renewal lease. I only lived in the apartment for one year. They wouldn't allow me to renew the lease until I had allege balance paid off which was incorrect. On the renters ledger account, they have fees and balances that are inaccurate which I sent all the proof to show that this account thats reporting is inaccurate. I resent another letter on XX/XX/year> to XXXX 's letting them know that the lease they provided is not the accurate lease for the term I stayed in the unit. It is now XX/XX/year> and XXXX 's have not responded. I then take this situation to the CRA 's and sent them all the proof that this debt is reporting inaccurating and the debt collector is trying to collect a debt based off of false paperwork from the original creditor. In response, XXXX and Equifax has responded that the debt is accurate and will remain on my credit report. With all the proof that I've sent them that clearly shows that this debt is not accurate, they are still reporting that it is which is a huge voliation to the FCRA. Neither XXXX XXXX XXXX or the CRA 's are willing or trying to fix this sitiuation in the right way which is deleting this inaccurate information from my credit report which is affecting my ablity to obtain credit. I have sent you all the proof that I've gathered up to show that this account is inaccurate and needs to be removed promply.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with XXXX and XXXX XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXX southeast received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXX 's part.
Product: Debt collection

I HAVE NEVER HAD SERVICE WITH XXXX, NOR HAVE I EVER SPOKEN TO XXXX IN REGARDS TO AN ACCOUNT, AND HAVE NOT RESPONDED TO VALIDATION OF DEBT
Product: Debt collection

Received this letter XXXX/XXXX/XXXX, ARA Inc. XXXX XXXX XXXX XXXX, XXXX XXXX.Oringinal Creditor : XXXX XXXX XXXX Bank Account # XXXX XXXX Current Balance : {$24000.00} This letter is to inform you that ARA Inc. has recently obtained and now is the legal owner of your XXXX XXXX XXXX XXXX Account . All obligations regarding this debt and any applicable interest and or fees have been fully transferred to this office. As of today, you owe {$24000.00}, which is now due in full. Please remit a check for the amount of {$24000.00} payable to ARA Inc.along with the the payment slip above in the self addressed envelope provided. Within 30 days of full payment, you will receive a paid in full letter for your permanent records. If you are unable to pay the entire balance in full, please call XXXX XXXX at ext # XXXX XXXX XXXX -XXXX central to discuss acceptable payment arrangements and answer any questions you may have. Please retain the balance of this letter for you records. Sincerely, XXXX XXXX XXXX XXXX XXXX so I am his XXXX, XXXX XXXX, and I called to find out what this was about. We have n't seen this on his credit record or anything and was shocked. I talked to a lady and she gave me some info and then I called back after letting XXXX know what she said. I called back and talked to a XXXX XXXX ext. XXXX and told her XXXX XXXX ca n't talk on the phone. She said this was from a visa credit card that was open in XXXX and had payments paid on it till XXXX. Balance then was {$7900.00} and now with interest and fees {$24000.00}, She asked if he could pay it in full and I said we only have XXXX and live month to month with nothing extra. She said she had to do her due dillengence and wanted to know if she could set up a payment of {$50.00}. I said no and she said how about {$2500.00}. I told her we did n't have anything extra and she said if I did n't set up a payment then they would take it to court and put a lien on his bank account. I said all we get is XXXX and she said they do n't care where the money came from they would just take the money in the account. I asked her where the card was used and she said she do n't have that info but she gave a couple address 's and XXXX was a XXXX XXXX XXXX knew and XXXX address was XXXX XXXX, XXXX , FL . We looked up that address and it was a trailer that XXXX never remembered. She gave the last XXXX digits of his S.S, # and said he was a police XXXX. I told her XXXX said he never had a credit card from XXXX XXXX and she said someone made payments on it for 9 years so it was his debt. I told her I would pass this info onto XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to XXXX to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or XXXX, XXXX repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged XXXX for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). XXXX reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid XXXX greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, XXXX is unwilling to remove the report as a repossession in XXXX. 

I have called XXXX, wrote the credit agency with XXXX, and disputed with the bureaus. XXXX continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.
Product: Money transfer, virtual currency, or money service

I tried to transfer funds from a Coinbase/GDAX account and have not received any confirmation nor successful notification of a withdrawal. On XXXX XXXX, 2017, GDAX transferred funds using an ACH transfer to a XXXX XXXX XXXX account.I've contacted them twice through their support system, but there's been XXXX response or acknowledgement of my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.
Product: Bank account or service

I am on unemployment and my husband is unemployed as well. My unemployment payout is not as predictable as a paycheck and therefore I have sustained a number of {$35.00} overdraft fees. Bank of America did refund some and I am working on getting my auto pay accounts deactivated but I have XXXX {$35.00} overdraft fees I still need refunded. The {$35.00} fees are for items some of which were under {$10.00}. Due to this I have {$95.00} to live on until next week. It will go for groceries. 
My complaint is that my unemployment deposit covered the items the bank paid the night before so it was a matter of hours. I could understand XXXX fee but they are causing more hardship than I already had financially. 

Please see if you can help me with this. 
Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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