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

I am making a complaint about the account CARMAX AUTO FINANCE reporting onto my credit. This account is fraudulent and was not opened by me. I did not authorize or give consent for this account to be opened. I believe this account was opened by a family member of mine using my personal information without permission. I am requesting to have this account taken off of my report as this is a fraudulent account. I have filed an identity theft report and can provide that as well as any documents needed. Have made several disputes with the credit bureaus to no avail, XXXX what to do, and need help proceeding.
Product: Credit reporting or other personal consumer reports

I dont know exact dates. I know that I was charged for credit protection coverage that I didnt want and didnt sign up for and I was also charged fees from Wells Fargo that I should not have been charged between the years of XXXX. When I would call and ask for the charges to be explained I got a bunch of double talk and excuses and I was told they would fix it and or credit my account which they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX  decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as XXXX XXXX adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX  and XXXX XXXX.
Product: Mortgage

On XX/2016 Wells Fargo was my note holder as well as the holder of the Home Equity line of credit. When the home was sold the Home equity line of credit was supposed to be paid off. I have contacted the attorney that represented me, XXXX XXXX XXXX PA law offices. The Law office advised me that there was a mistake made. I have been paying on this Home equity line of credit for 1.5 years believing that it was my mistake. I recently discovered that not only am I not getting the mortgage interest write off but that the home equity line of credit extended by Wells Fargo should be paid by the home owner. I have contacted Wells Fargo as well as the attorney office and have gotten little to no help. I was told there was a title mistake made. I have been told the attorney made a mistake. I have also been told that Wells Fargo made a mistake. I do not understand why I have been paying for this ( automatic withdraw ) for 1 year and 6 months. Please help in however you can. Thank you.
Product: Debt collection

Someone opened a credit card in my name on XX/XX/year>. They spent {$280.00} with a {$300.00} credit limit. I didnt notice until I got an alert that my credit score dropped to XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2010 I was divorced and per divorce docs accounts were closed and the cities card retained by xhusband removed me as authorized user. It was taken off my report but now he is diseased and they have put it on my credit. They have no record of me because I was only an authorized user but they have refused to let me speak to a supervisor. Customer service transferred me to applications so they didnt have to send me up the chain of command. I was removed as an authorized user in 2010 and now am back on since he is late on payments. The death certificate probably has already been provided by his brother so they must have thought this is a way to try to collect. They are rude and admitted they couldnt find me on an account but insisted I would have to go through the credit agencies. In the meantime they are trashing my credit with their illegal and underhanded action.
Product: Debt collection

Scam # : ( XXXX ) XXXX Received : Monday, XX/XX/2022 @ XXXX Message : " COMERICA : A DEBT OF {$310.00} was placed on your card. To APRROVE reply 'Y ' or Cancel Here : https : XXXX/Comerica to RESOLVE. '' *I do not have any affiliations with " COMERICA '' let alone a " card '' or " debt '' concern with said Comerica*
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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
Product: Debt collection

To Consumer Adjustment Company : My credit report has an account ( {$570.00} ) reporting that is unknown, unverified and is a violation of the FDCPA and the FCRA and MUST BE DELETED FROM MY CONSUMER REPORT. I asked for specific documents to be sent to me. This did not happen. Since you are still reporting the unknown account on my consumer report, I will be preparing to take further action for damages for each month this account has been reporting on my consumer report, up to {$1000.00} per violation. And I will be seeking for other damages as well, under the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX not mine XXXX XXXX not mine
Product: Credit card

XXXX. In the year of XXXX, Navy Federal Credit Union allowed multiple merchants to charge fraudulent purchases to my account. 

XXXX. In XXXX of XXXX, I purchased a phone from XXXX XXXX XXXX for {$64.00}. 

XXXX. I returned the phone XXXX minutes after leaving the phone. 

XXXX. I provided Navy Federal Credit Union with a police report I filed for the fraudulent activity, as well as an incident report that I filed with XXXX XXXX XXXX. 

XXXX. Navy Federal Credit Union stated that they needed a return receipt in order to show that the phone was returned. 

XXXX. I provided Navy Federal Credit Union with the return receipt and my dispute was still denied with no reason given. 

XXXX. In XXXX, Navy Federal Credit Union has continued to allow merchants to steal money from my checking account. 

XXXX. XXXX fraudulently charged me a {$30.00} cancellation fee for an order that was delivered. 

XXXX. XXXX also fraudulently charged me in the amount of {$21.00} for an order that their delivery driver did not deliver. 

XXXX. Navy Federal Credit Union refused to open disputes on the previous XXXX fraudulent charges.
Product: Vehicle loan or lease

The vehicle loan was a subprime loan with Santander Consumer USA. They sent the account to collections with a company called XXXX XXXX XXXX. I have not had this vehicle in my possession for over 7 year 's. They repossessed the car back in 2013. I have asked them to remove this account off my credit report on several occasions. They didn't do the proper procedures. They sold the vehicle and still stated I owed more than the vehicle was worth. They originally sold the vehicle to me for {$17000.00}. I paid on this vehicle for 6 years and they still said I owed {$10000.00}. They claimed they sold the vehicle for {$1500.00}. I never received ANY legal documents proving that's what they really sold it for. They currently have it on my credit reports as a balance of {$7300.00}. None of these numbers add up. And I keep getting the run around.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and my information has been exposed on the XXXX data breach and I discovered multiple accounts on my credit report that was not opened by me the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  I need this resolved as soon as possible because this is scary and frustrated there are also multiple addresses on my credit that don't belong to me and multiple social security variations on my credit report and employers and phone numbers.
Product: Vehicle loan or lease

I contacted Tidewater after consistently being past due on my car loan due to being unable to afford the monthly payment. The debt worksheet attached shows that with a reduced payment, I am able to maintain payments going forward even after factoring in living expenses. I have spent multiple hours on the phone, exchanged multiple emails. At first I was told I did n't qualify because my worksheet was wrong ( no clear answer ). When I pushed forward, the supervisor said he would resubmit it after I explained my income vs debt ratio step by step. I was contacted today and told my request had been declined again and that even though the worksheet shows I could maintain the new payment,  Tidewater  said it was n't sufficient to them to justify a lower payment program.   Since I have taken this loan I have been past due. I took this loan after a bankruptcy because I had no car. Tidewater is deceptive in it 's lending practices potentially even violating the Fair Debt Collection Practices Act by offering unrealistic repayment options such as a " Double deferment on  XXXX  and  XXXX  's payments ''. On the recorded calls the supervisor agrees this would not resolve the larger picture and would only fix it short term ; not to mention extend the life of the loan so they can rake in more interest charges. I have attached the last 2 months of paystubs, and the debt worksheet. This lender is clearly out to manipulate the lending systems and take advantage of the consumer. It should be noted that on the worksheet there is an error preventing it from updating the total expenses vs total income. Also, due to a payroll change my tax with holdings were incorrectly applied.
Product: Debt collection

I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever, and they refuse to send me any documentation stating proof of debt. They have verbally harassed me with foul language and threatening court. I want all of this to stop ... they have called family members immediately without giving me anytime to call them back. want my name to be removed and to stop passing my name to other collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. This OPEN ACCOUNT, AUTHORIZED USER, STATUS OPEN, XXXX XXXX, OPEN XXXX, This Account is not reporting on Transunion, Please verify with XXXX, and start reporting it again. ATTACHED document you will see XXXX is reporting on XXXX and XXXX credit reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX my husband  XXXX XXXX and I have tried to reach out to PRO COLLECT INC. of XXXX Texas. For several weeks now to plead with them to remove our debt from collections in the form of phone calls, messages, and emails. We were unjust in our debt from the beginning it was a debt we never knew we had and when we found out we had it we paid it off instantly. We are both XXXX  XXXX veterans and are only asking for a chance to do right with our credit
Product: Student loan

The system to determine income based repayment eligibility at FedLoan Servicing is not compliant with the law, and the company is aware that their system is non compliant. Their system 's default behavior is to ignore spouse debt load while reporting to the customer otherwise. The result is that borrowers are required to pay more than they are required by law. They are willfully using a system that does not comply with the law and then lying about it to customers. 

I was enrolled in the Income Based Repayment program ( IBR ) using FedLoan Servicing. During my annual renewal in early XX/XX/2016, I was erroneously and repeatedly told that I no longer qualified. Using the online calculator that FedLoan linked, it was clear that FedLoan did not use my spouse 's federal student loan debt load to calculate my eligibility. I contacted them on XX/XX/2016, XX/XX/2016, and XX/XX/2016 to notify them of their error. Referencing the mathematical formula to determine eligibility, I included the line-by-line algebra to clearly demonstrate that I was eligible. On XX/XX/2016, I was reinstated with no explanation of their error. I have archived all of my written communication with them. 

I am seeking an explanation for the initial error, an explanation for the company 's refusal to admit the error, and transparency and assurance that the error will not happen again. I am seeking a direct contact to handle my annual recertification in the future.
Product: Money transfer, virtual currency, or money service

On Monday, XXXX XXXX, 2024, someone who XXXX Citibank 's securit, or a Citibank employee , called me from Citibank 's XXXX department , using the official phone line and Citibank 's official 2 step verification sms line apparently, broke into my business account and made three wires from my business checking totally nearly {$14000.00}. Despite that I have informed Citibank that I did not make any wires, and that someone had clearly broken in their system, and also had use of their phone lines, Citibank has as yet to return the money stolen from me due to their own security breach.The amounts and reference numbers for the illicit wire transfers are Wire # 1. {$4800.00} + {$17.00} wire fee totaling {$4800.00} ref # XXXX ; Wire # 2 {$4900.00} + {$17.00} wire fee totaling {$4900.00} ref # XXXX, and Wire # 3. {$4000.00} + {$17.00} wire fee totaling {$4000.00} ref # XXXX ). I filed claims with both the FBI Internet crime and XXXX State Police for the same theft. At first Citibank 's agents acknowledged it was a fraud/theft and told me that they would put the money back as provisional credit no later than XX/XX/XXXX. When the money did not go into my account, I called them, they then indicated it would not be going back to my account but would be pending an investigation, changing their story. I complained and explained to a supervisor and told them that I had not made any wires nor given anyone nor any third party my information. The supervisor then assured me it would go to the XXXX department as it was originally and I should be getting the provisional credit shortly. Then, week 's later, after calling repeatedly, I got a message from Citibank denying my claim, incorrectly stating that I somehow had a role in the wire transfers, which is not true at all. I complained again and the last supervisor said they would appeal the decision. In the meantime 2 months have already gone by and the costs and additional damages to me and my family, damage to our credit rating, financial hardship have been mounting. It is unacceptable. Citibank 's system was hacked/hijacked and they are not taking responsibility and instead forcing me to suffer a major loss that is the result of their own negligence/system failure. Worst is it was I who even caught this happening in the act and informed Citibank, doing their own fraud department 's work for them. When I did so, their agent XXXX they saw someone was in my account making wires as we spoke. I later found out that Citibank had already at that moment the names, bank and account numbers of the recipients AS the money was being transferred. This means that it would only have take a phone call to those banks at the same instant to stop or freeze the money. This, too, was Citibank 's failure alone.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXXXXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX Account Number : XXXX This account has never been verified, I dont recall having late payment on this specific account the Status Shown as Inaccurate it shouldnt be Derogatory it was reporting inaccurate information please update the billing error update as agreed Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX Account Number : XXXX I dont recall being late on this account. Please verify all information is 100 percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. 

I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX, NY XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax for knowingly reporting false and inaccurate information on my credit report and failing to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ).

Violations & Legal Concerns : 1.Incorrect Late Payment Reporting Violation of 15 U.S.C. 1681i A late payment has been falsely reported on my account despite my verifiable records proving on-time payments.

I disputed this error, but the credit bureaus failed to conduct a reasonable investigation or provide legally required dispute results.

Legal Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. Their failure to do so is a clear violation of the FCRA, exposing them to statutory damages of up to {$1000.00} per violation, plus punitive damages and legal fees if pursued in federal court.

2.Fraudulent Charge-Off Date & Balance Reporting Violation of 15 U.S.C. 1681s-2 An account that was charged off in 2020 is now being fraudulently updated in 2025 as a fresh charge-off with an active balance, which is factually incorrect and a blatant misrepresentation of my credit history.

This misreporting is materially misleading, negatively impacting my creditworthiness and violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting false or outdated information.

Legal Violation : The credit bureaus are failing to uphold their duty to report accurate information under 15 U.S.C. 1681e ( b ). The continued presence of this erroneous charge-off could result in a lawsuit seeking actual damages, statutory damages, and punitive damages under 15 U.S.C. 1681n. 

Accounts listed below ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a balance showing on this account that is inaccurate. It should show as {$0.00} balance and fully paid off. This is having a major affect on my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 {$970.00} dollars were taken from my hard earn savings account by a scammer, It was a puppy scammer, I called my bank right away and to my surprise they don't help you at all. They started a claim and on XX/XX/2021 got an email basically saying that they couldn't help, XXXX is not backed up by them or XXXX Bank of America whom I've banked for 12 years basically just didn't care and said too bad so sad we can't get the funds from XXXX XXXX you are XXXXand on your own. The bank the funds where transferred to is XXXX XXXX XXXX same they are saying too bad so sad. I spoke to Bank of America and asked why is it that they provide service with XXXX when really it doesn't guarantee scams or frauds. Being that it was a service provided by my Bank, I honestly thought they would back up any scams or frauds. Like XXXX does ... Never have I had a claim with my bank, I try to be very careful but I fell for the Scam. Trying to get a puppy for my family and my XXXX needs son. Such a shame that MY bank XXXX Bank of America XXXX can't just help me by giving me the money back for being a Loyal customer for over 12 years, having a checking, savings and credit card with them. Never have done a claim. Is so sad people are taking advantage of others during this Covid-19 Pandemic and even the banks, my bank ( Bank of America ) just basically is telling me I'm on my own. I'm hoping your agency can assist me with something. I have all my 3 credits frozen because the scammer has my Identity Information ( name, address, phone ) they did try to open a card. I have created an FTC claim and iC3.gov, XXXX for the SCAM/Fraud not my bank. Never will I use XXXX again. Hope XXXX XXXX or Bank of America look into my loyalty and refund me my hard earned money as a curtesy refund. This goes to show no one cares about your loyalty and my bank only cares about the money I give them.NOT the money I loose for USING a service they PROVIDE. Feels like a scam from my bank telling me : here use THIS service XXXX but if you make a transaction or get scammed don't come to us. I wonder if they get money from XXXX for each customer that uses the service. Is all a big SCAM. I guess my scammer was trying to make rent payment.