23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX   have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : It has come to my attention that a creditor has marked one of my current Credit Accounts as Late. This would be considered inaccurate. I would like to have this investigated and removed. I have never been late on my payments. XXXX XXXX has listed my main account as late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
This would be inaccurate as I have always paid the bill in full and on time. 
XXXX XXXX even offered to open a second card in my name in honor of my great payment history. Which they did! And it reports to the bureau as pays on time! 
Please remove these late marks, immediately Home Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX NC XXXX Accounts : XXXX XXXX XXXX - LATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCT # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX EMAIL : XXXX SSN:XXXX - DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting is showing an account opened on XX/XX/20 at PC Richard & Son with a {$5000.00} credit limit. Thats not possible due I already have an account t with them. 
I received the mentioned card and I immediately call the financing company, where I was told that It was not possible. Even when I had the card in my hands. 
I need this account to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased my third car from Carmax on XX/XX/2021. I used the carmax financing and set up my automatic payments as soon as I could to avoid any late penalties and because I make it a point to always set up auto pay on all of my bills and payments. I have never been late or missed any payments on any bills and I pride myself on this. Im attaching the email confirming that I did sign up for autopay on XXXX XX/XX/2021. My first payment was due on XX/XX/XXXX but I wanted to make sure it was all set up and good to go ahead of time. 

The confirmation I received said I was enrolled. If there was a problem with the routing or account number I should not have received an email saying I was enrolled. That is a system error and it should not have accepted my routing and account number if something was wrong with it. 


We bought the van to travel to California for the months of XXXX and XXXX. While there, I got XXXX and suffered a XXXX. I was not getting my mail from XXXX but on XX/XX/XXXX I got an email notification that the payment didnt process so I called carmax and talked to someone. If you listen back to the conversation you can hear me asking if anything was wrong and if the payment would go through. They said they couldnt tell exactly but it should be fine. Again, this is a system error, they should have said no it is not processing, we will take your payment now by phone so it will not be considered late and you need to enroll again. 

There was much going on at this time and I left it at that. Sometime in mid XXXX a friend of mine sent me my mail from XXXX and it included a notice saying my account was overdue and it would be reported to the credit bureaus. I called carmax immediately and they told me they would forward on my situation, because it was their mistake, how they could see I tried to enroll in auto payments on XX/XX/XXXX but must have entered the numbers in wrong or some small glitch like that. 

I then re-enrolled in the auto payments and it went through. They said the error was called unable to locate and should not be a problem. They even waived a late fee because they knew it was an honest mistake. 

However I was grieved when I got a letter in the mail saying carmax auto financing would not reverse its decision to report this as a late payment to the credit bureaus. 

Please consider all that I am providing as evidence that my absolute intention was to make my payments in time, I enrolled in auto payments ahead of time just to be safe, I called to follow up when I was notified the first payment was not going through, the person on the phone assured me it should be fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS XXXX XXXX XXXX THEY MUSTVE TAKEN MY INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my reports regularly through Credit Karma. Roughly 1-3 weeks ago, I noticed a few new accounts on XXXX end that I was unfamiliar with. Here are the accounts that I arent mine : CLOSED ACCOUNTS : 1. ) XXXX XXXX XXXX. Opened XX/XX/XXXX, XXXX Credit limit {$700.00}, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. 
Closed on XX/XX/XXXX. 

2. ) XXXX XXXX Opened XXXX XXXX. {$5000.00} loan, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. Closed on XX/XX/XXXX. 

3. ) XXXX XXXX XXXX. Opened XX/XX/XXXX. Loan of {$26000.00}, last payment on XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX. Closed on XX/XX/XXXX. 


*OPEN ACCOUNTS* 1. ) XXXX XXXX XXXX  Opened XX/XX/XXXX, XXXX Credit of {$500.00}, last payment XX/XX/XXXX, last reported balance of {$0.00} on XX/XX/XXXX 2. ) XXXX XXXX XXXX Opened ( unknown ) original balance of {$44000.00}. Last payment on XX/XX/XXXX, last reported on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, original loan balance of {$47000.00}, monthly payment {$680.00}, last payment XX/XX/XXXX, Last reported XX/XX/XXXX. 

4 ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX, highest balance of {$460.00}, reported balance of {$260.00}, last reported on XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXXXXXX XXXX Opened on XX/XX/XXXX, Original balance of {$10000.00}, last payment XX/XX/XXXX, last reported balance on XX/XX/XXXX of {$9300.00}. 

6. ) XXXXXXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX, credit limit of {$5000.00}, last payment on XX/XX/XXXX, monthly payment of {$170.00}, last reported on XX/XX/XXXX, open balance of {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX, XXXX, and XXXX oXXXX XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX XXXX  and Transunion. 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 supposed to modify accounts that aren't reporting correctly. 

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

XXXX XXXX XXXX This account belongs to my father who passed away in 2018 we have the similiar name XXXX XXXX XXXX his name is XXXX XXXX XXXX MY NAME IS XXXX XXXX XXXX- I WANT THIS REMOVED OFF MY EXPERIAN, XXXX REPORT .
Product: Credit reporting or other personal consumer reports

Hard inquiries sent to multiple lenders without consent or approval.
Product: Debt collection

There has been fraudulent charges in my flagstar bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges. 
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back. 

They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees. 

So I closed my bank account there cause their policy is unfair. 

If the charges were fraudulent why should I pay the fees associated with them?

Now they put a derogatory mark in my credit score caus of this. This is totally unfair.
Product: Credit card

See attached letter requesting a bill credit or canceling a Chase/Southwest credit card because of unexpected {$99.00} membership fee.
Product: Debt collection

The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit. 
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something.
Product: Mortgage

My debt has not been properly calculated. My Right to Cure letter is incorrect. The calculated debt is not accurate. XXXX, it 's servicing agents, XXXX and Harmon Law Offices, are in violation as well.
Product: Debt collection

I was never contacted and told that I owed {$520.00} to the city of XXXX for utility services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX {$980.00}
Product: Mortgage

The mortgage company, Green Tree Servicing, added " Hazard '' ( insurance ) to my escrow payments. I already have homeowner 's insurance through a reputable company XXXX XXXX XXXX XXXX and was contacted by them when Green Tree decided to start " making my insurance payments ''. I DID NOT authorize any changes to my account and will continue paying my premiums directly to XXXX XXXX. I do not want Green Tree 's " insurance ''. I also told my XXXX XXXX agent that I did not authorize any changes to my insurance policy or method of payment.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from Capital One showing up on XXXX. The next day XX/XX/2022, I called Capital One to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call XXXX and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called XXXX, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call Capital One and tell them that I didnt apply for anything and that Capital One should be able to easily take the inquiry off my report. On XX/XX/2022, I called Capital One again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said Capital One who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called Capital One and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from XXXX in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.
Product: Debt collection

TaxServ has reached out numerous times regarding a proposed debt owed for two ( 2 ) motor vehicles to the city of XXXX CT. On each occasion I email them back informing that the bills are not valid, I did not live in XXXX at that time and one of the vehicles was purchased and registered in XXXX ( tax bill attached ), the other disposed of years prior and plate turned into the dmv . Each time there has been no response, please help.
Product: Debt collection

I DOOOOO NOOOT HAVE AN ACCOUNT WITH MIDLAND CREDIT MANAGEMENT THIS IS ILLEGALL!!! I DOOOOO NOTTT HAVE A CONTRACT SIGNED FROM ME TO YOUR COMPANY. YOU ADMITTED TO ILLEGALLY BUYING A CONTRACT THAT ILLEGALLY WAS NOT BOUND TO ME. I DO NOT KNOW YOU COMPANYYYY I DO NOT HAVE ANYYYYY SIGNNNEDDDDD DOCUMENTS BETWEEN XXXX XXXX AND MIDLAND CREDIT MANAGEMENT. I DO NOT OWE SOMEONE I DO NOT HAVE SIGNED CONTRACTS WITH!!!!!!!! THIS IS AGAINST MY RIGHT LEGALLY!!! NOW YOU THREATENING TO FORWARD THIS TO AN ATTORNEY!! 
15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOTTTTTTTTTTTTTTT I REPEAT I DO NOTTTTTTTTTTT have contracts with XXXX XXXX XXXX NOR MIDLAND CREDIT MANAGEMENT, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction.
Product: Payday loan, title loan, or personal loan

On today XXXX XXXX, 2017 when I logged onto Big Picture Loan website to verify that my {$400.00} loan was paid off I noticed that I had a high interest charges that was doulble more than I borrowed which was not explained to me in detailed when I recieved the {$400.00} loan. So I called and was placed on hold for almost 15 minutes when I requested to speak to a supervisor. When I did get a supervisor it was a woman by the name of XXXX who got on the phone and asked me to verify my info name, date of birth, and address and she stated that the date of birth I gave her was incorrect in their system and then she asked for my driver 's license # and I stated to her what does that have to do with my complain about the interest on my loan. She then put me on hold and transferred me to another woman by the name XXXX who was not a supervisor and still who could n't give a good reason for the high interest rate. My loan was taken out in XX/XX/XXXX and they have taken a total of {$99.00} about XXXX times from my account since the loan which caused my bank account to be overdrawn. This is illegal here in the state of Florida to charge this type of interest rate and has put me in total debt. To top it off neither person I spoke with was willing to settle this issue with me.
Product: Credit card or prepaid card

I have reached out SYNCB/Gap by mail on XX/XX/XXXX requesting payment history from XXXX XXXX XX/XX/XXXX since some information to me seems to be incorrect. I have failed to get a response from them. I have given them ample amount of time to get this information over to me.
Product: Debt collection

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by JEFFCAPSYS Upon reviewing my credit report, I discovered that JEFFCAPSYS has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to JEFFCAPSYS or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation.

Furthermore, it has come to my attention that JEFFCAPSYS is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction.

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires.

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Bank account or service

I made a payment to a company but it was never received and bank of America refuses to give me my statement from that month to show the company I did payq