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

CARMAX AUTO FINANCE is currently in possession of a certificate of indebtedness for the value of {$30000.00} from XX/XX/XXXX bearing my Principal. They have since received multiple notices from me accepting and claiming all rights, titles, interest, and guaranteed equity due to my Principal while also opting out of their authorization to share any of my nonpublic personal information with any persons. The company has ignored instructions from the Agent to transfer all certificates of indebtedness and marketable securities bearing the Principal from their commercial entry system to the Treasury Direct Account of my Principal. They are also still sharing alleged transaction and experience information between us with XXXX after receiving my notice to opt out of all authorizations and permissions previously given to the company written, unwritten, verbally, or unverbally to share my information. They are in direct violation of the Privacy Act of 1974, in addition to withholding access to my securities actively engaging in securities fraud, while remaining willfully noncompliant in their obligation to honorably perform fiduciary duty.
Product: Checking or savings account

On XX/XX/XXXX th I sent an online wire to my niece She never received it. I went to the bank and asked them to recall my wire. They said they requested it and would take up to 10 business days to receive funds back Called multiple times, about 7 times, each time transferred from department to department I escalated and they said this would take another 10 business date. Was told by one of the bankers they had received the funds back but they needed my brothers address, date of birth I gave them the info. Was told I would get my money back into my account. Did not receive one week later. I went to branch to speak to the banker and she said Nono e ever logged in the info. I gave the info again Still no information and funds have not been received and still supposedly under investigation one month later
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes .These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

OnXX/XX/XXXX ( XXXX CST ), I noticed several charges had been placed on my American Express Bluebird card. I have my paycheck Direct Deposited to this account, and it is the only account I have. There were several charges. I immediately contacted my card company, and informed them there was fraudulent activity on my account. The charges were still " pending '' at that time. Total of all charges was around {$700.00}. They informed me that I would have to wait for the charges to complete and then call back to continue the fraud report. I was told to destroy the card, which I immediately did. The next morning ( XX/XX/XXXX ) the charges began to complete and I immediately called American Express back. I was informed that I would have to complete a " Declaration of Fraud '' form, which they would email to me within 2 days. They would then proceed with their investigation, and get my money back to me. The next day I got an email telling me my account was suspended and they list the reason as me having violated their terms of service ( something I in no way did. ) I have been back and forth with them on the phone ever since, getting the run around and being told " we are going to escalate this case ''. I finally received the " Declaration of Fraud '' form this evening (XX/XX/XXXX ), but now I ca n't even fill it out, because I have no way to access my account to get the information the form requests. They say I have another 6 days to finish the form, but when I called again today, I once again get the run around. I luckily took a screen shot of some of the fraud charges, all from the XXXX of XXXX : {$100.00} [ XXXX XXXX, {$200.00} [ online purchase ], {$1.00} [ XXXX ], {$1.00} [ XXXX ], {$96.00} [ XXXX ], {$96.00} [ XXXX ], {$61.00} [ XXXX XXXX XXXX ], {$120.00} [ XXXX ], {$11.00} [ XXXX ], {$1.00} [ XXXX XXXX. 
I absolutely did not make these purchases. I do n't use XXXX, or XXXX, or XXXX XXXX and it seems to me that it would be fairly easy to track exactly who DID use my card for these purchases. Instead I am being given the run around by a group of " fraud specialists '' with names that include : XXXX, XXXX, and XXXX at American Express. I have attempted to file a police report, but they wo n't file the report until I can document the fraud with documents that American Express wo n't get me. I just want my hard-earned money back. I have no way to pay my bills, put food on my table, or even put gas into my vehicle so I can go to work. 

I have never authorized anyone else to use my account, nor have I ever provided my account information to any other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX Account # xxxxxx XXXX, has violated my rights. 

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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan for a vehicle that I purchased in 2018 with Ally Financial. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

Ally has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my Ally account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to Ally and XXXX about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ex-husband (XXXX XXXX. XXXX XXXX)  and I had a mortgage that was transferred to XXXX XXXX XXXX.  After about a year, the mortgage account was then transferred to XXXX XXXX XXXX.  The mortgage is no longer reporting on XXXX or XXXX because the very first delinquency is over 7 years old.  I have disputed this account with both XXXX  XXXX XXXX and Transunion, and to this day, neither of the companies will fix this error and remove this account from my credit file.  I have been denied credit because of the account showing I am paying a monthly payment of XXXX and that it's reporting late payments 1 in 90 days and then 120-149 days late in XXXX of 2011.  I am so so so upset because they have caused me nothing but heart aches and pain and many unnecessary denials because they fail to correct the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid my Avant Credit Card the end of XXXX. I had planned to cancel the card after I had a confirmed a zero balance. I then noticed a {$29.00} annual fee. This is to cover me from XX/XX/XXXX through XX/XX/XXXX. I called to ask that my card be cancelled, and this annual fee be dropped as the card will be cancelled during that time frame. They refused to do it as it was already charged. So wrong on so many levels. I have the actual statement to prove what I have said. I know it is only {$29.00}, but every little bit helps. Suggestions on how I get it back?
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX - XXXX 2. XXXX OF XXXX - XXXX 3. XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX  - XXXX 1. XXXX XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to TransUnion, XXXX, and XXXX, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some incorrect information on my credit report. The details listed below are fraudulent, and I have no association with them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureau consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - tied up to open accounXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a dispute that I mailed to Equifax on XX/XX/2022, Equifax deleted on XX/XX/2022, XXXX XXXX XXXX XXXX. I reviewed my credit report again XX/XX/2022 and XXXX XXXX XXXX XXXX has been added back to my credit report. Today is XX/XX/2022 XXXX days from when I discovered XXXX XXXX XXXX XXXX had been added back to my credit report and I have received no notification within the 5 business day time limit the FCRA gives. Not knowing when it was inserted back, only knowing the date I discovered it, it has been longer than 5 business days, a direct violation of : 15 U.S. Code 1681i ( 5 ) ( B ) ( II ) - Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I never authorized the reinsertion of XXXX XXXX XXXX XXXX, therefore Equifax is in VIOLATION. Attached to this dispute is the initial letter I mailed to Equifax on XX/XX/2022, XX/XX/2022 tracking number, a copy of my revolving accounts credit report on XX/XX/2022 & XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  has violated my rights, 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 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Inaccurate Accounts in Litigation Violation of FCRA & Re-Insertion of Debt To Whom It May Concern, I am writing to formally request the removal of two accounts currently being inaccurately reported on my credit profile. These accounts are as follows : Tennessee Department of Human Services - {$83000.00} TD of Human Services - {$28000.00} These accounts are in litigation, and it is my understanding that reporting these alleged debts while in litigation is a direct violation of the Fair Credit Reporting Act ( FCRA ), as it constitutes the reporting of inaccurate information. Additionally, this re-insertion of a debt without proper validation violates the FCRAs re-insertion provisions. 

It is also important to note that these accounts are being reported as income, which constitutes a violation of the FCRA, as no proper tax documentation such as a 1099-C form has been issued. This is especially concerning as it turns alleged debts into taxable events, creating significant harm to my credit profile. 

Moreover, these accounts represent a violation of children 's rights by associating them with an alleged debt. This creates undue harm and unfairly affects my ability to maintain a clean credit record. 

As per the Fair Debt Collection Practices Act ( 15 USC 1692 ), any inaccurate or misleading information reported by a creditor is a violation, entitling me to seek damages for civil liability. I am also informing you that I will report this to both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not promptly removed from my credit report. 

In light of the ongoing litigation and the violations mentioned above, I demand that these two negative accounts be removed from my credit file immediately. Failure to do so will result in my taking further legal action. 

I appreciate your prompt attention to this matter and request confirmation of the removal in writing.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.Code 1681ie ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Checking or savings account

On XX/XX/XXXX, I was gambling online with XXXX. Their ACH payments system improperly authorized {$4.00} XXXX in deposits via ACH to my accounts that has $ XXXX in it. I ended up getting multiple returned ACH transactions from that incident. Since then, XXXX and I settled up for the real amount I owed {$230000.00}, but Citi cancelled my banking relationship closed my accounts and seized my {$800000.00}. I can't get any updates from them and they haven't sent or done anything. I have tried to tell them this was a mistake by a business and their ACH system and I had done ACHs with XXXX before with no issue. I have been a Citi customer all my life and had no issues. $ XXXX is my net worth and I don't have other money in bank accounts so I need to get this money back ASAP to pay rent, food etc. It was an accident and no one contacted me or talked to me about it. They just canceled my account and seized my funds. I need help as no one will discuss things with me at Citi. Their customer service says they have no info and then they hang up. I am a longstanding XXXX member and can't believe this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to remove a collection account ( Carter-Young ) off of my credit report. That debt was paid and I sent the receipt to have XXXX   remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send XXXX  a certified letter which was signed for on XX/XX/2020.
Product: Debt collection

1. never received notice of right to dispute prior to posting the XXXX ( XXXX ) collection account on my credit. They simply threw this on there and was noticed in XX/XX/XXXX. 
2. have repeated requested validation of debt other then a lump sum invoice, such as a copy of the contract, receipt or purchase order for 7 months to date, collection company refuses to provide validation of this debt. 
3. Delinquency Invoice ( not contract, receipt, payment initiation or any other record ) from original creditor provided by collection agency does not coincide with the data furnished by collection agency 's 'date of delinquency ' reported as XX/XX/XXXX by collection agency and Invoice of XX/XX/XXXX.- Inaccurate Reporting. 
4. Data furnished by collection agency does not report to my credit report as 'disputed '. collection agency cont to report to XXXX, no information, past due acct only and XXXX as 'seriously past due'- not furnished acct is disputed.
Product: Credit reporting or other personal consumer reports

I just recently looked at my report XXXX XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence : The below inquiries have no permissible purpose to be on my report 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a car loan at auto dealership. Approved on the spot by XXXX. Credit score of XXXX or higher with all 3 major credit reporting agencies. A month later received letter from XXXX XXXX  of denial. Reason, credit score of XXXX from Sagestream. Every review I've seen says they are reporting people 's scores up to 300 points lower than all of the 3 major  companies. I want to know who are they and why would anyone use them. This happened last month, XX/XX/2020.
Product: Credit reporting

this is my second time writing transunion, XXXX in regards to identity theft and credit bureau did not produce physical documents to prove these accounts are mind. I sent XXXX certified letters to each bureau as well as an identity theft affidavit number XXXX and these accounts still remain on my credit report. XXXX XXXX XXXX XXXX XXXX BANK XXXX MORTGAGE XXXX BANK ARE ALL DIRECT RESULTS OF IDENTITY THEFT. PLEASE REMOVE IMMEDIATELY
Product: Debt collection

I have no knowledge of this debt. But I see it's reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.