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

I purchased a vehicle from Carmax XX/XX/year>, and financed through XXXX XXXX and the car sold to me was sold with a stop and unable to register. I was not able to register the car and the temporary tags where expired. I could not drive around a car that was not registered. I asked to get a loaner in the meantime, while Carmax was trying to fix this situation, which was very stressful. Eventually, Carmax advised that the car was unable to be registered, and they needed to buyback the car. I purchased another vehicle from them in XXXX and the buyback covered the loan from XXXX XXXX and they sent me a check for the difference, and I didn't owe CarMax anything. They in fact owed me and sent a check. 

On XXXX XXXX Carmax auto finance attempted to debit my account {$350.00}. My account had no funds in it, so the debit was unsuccessful. I called both Carmax and Carmax auto finance to advise and inquire why the attempt happened. I finance through XXXX XXXX and make my payments through them in the amount of {$520.00}. I got transferred to several people and finally was advised to send my banking info with the attempt to XXXX explaining the situation. They said they couldn't find any attempt or why. On XX/XX/year>, a {$200.00} debit plus a {$20.00} fee was debited from my account from Carmax auto finance. I called again to ask why my account was being debited and still couldn't get an answer. I had to call my bank and was advised to change my account number as the stop placed on the first attempt was not successful. The bank advised that if Carmax had my account information they could debit my account simply by changing a letter or name. I had to change my whole account, which is an extreme inconvenience. That bank account is where my payroll is direct deposited to, and I had to stop my incoming check. This will delay my paycheck and other payments. 
This whole experience with Carmax has been extremely unprofessional, and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
The hard inquiries submitted on XX/XX/2023 are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Product: Bank account or service

I was an XXXX XXXX XXXX and was banking with Navy Federal, I opened I had XXXX open loans as well as a credit card with them, well I also applied for the loan protection that will cover me in case of loss of life or employment, anyways, I was released from militray service casue of force of reduction ( downsizing ) I had called Navy federal since XXXX 2015 till a few months ago I also communicated thru secure messge thru their websit, what irritates me is that when i was released fro XXXX XXXX I went ahead and call Navy Federal to inquire on what was needed, I called thru their XXXX number as well as secure meesage -- - I did what was told of me, then I found out that It was thru a XXXX party that covered the protection -- - I called them and they representative told me that NAvy Federal should of told me the requirements, with all the communication with NAvy Federal theu Private message and calling them, as well as a financial planner going thru my records, I was told by representative that I wouldnt qualify becasue i was at my 31 day and I nneded a documentation stating I was receiving unemployment -- - I feel that with the lack of informationfrom Navy Federal I was screwed andnow I have empoyment that salary is way less than military but now I have a huge amount of debt that I cant pay maybe in a lifetime
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was in an accident. I went to court over this accident, there were subpoenas and everything. The judge found me not guilty and not at fault because I wasnt. Due to Chekrs background report, I was refused a job with XXXX even after submitting online court documents to them proving my innocence. My license was also suspended simply over the fact I wasnt aware I needed to surrender a tag off of a vehicle I no longer owned. I returned the tag to the DMV,  paid the fee and my license was reinstated.
Product: Debt collection

I have received numerous phone calls from Global Trust Management. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a  3rd p arty agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance : {$0.00}
Product: Credit card or prepaid card

co doesn't take pymt over the phone, when i call the the # on the statement to pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I opened an account with JCPenney with a credit limit of {$700.00}. In XXXX, the account was closed due to non-payment. When the account was closed out I was contacted by some collection agency because there was a pending balance that was being reflected on my credit history. I explained to the company that I would pay off the balance only if it was removed from my credit bureaus. The company proceeded to agree with my conditions but as of now the balance is still reflected on my credit history. I then went on to contact the company to acquire access to our phone conversation but the company refused to grant me the recordings stating that they were for company use only.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report. I submitted a Complaint ( XXXX ), for Improper use of your report, account came back as verified by XXXX. Account : XXXX XXXX XXXX Account # XXXX. The Credit bureaus stated my account had been properly investigated but how is this possible if the " date opened '', " date reported '', and " date of last activity '' is inaccurate. This ground for removal and they also violate my rights under 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Product: Mortgage

My prior mortgage servicer is holding my escrow balance for an unacceptably long period of time. 
I refinanced my home and closed at the end of XXXX, XXXX ( the loan that was paid off was account # XXXX serviced by Ally Bank ) and am owed an escrow refund of {$5600.00}. 

On XX/XX/XXXX, I contacted Ally by email and asked " I have not received my escrow balance reimbursement from my loan that was paid off in XXXX Why can you not transfer the funds electronically ( you certainly received prompt payments electronically )? If you can not ( which I find hard to believe ), when and how should I expect to receive these funds? '' They responded : " A request to have the check stopped and another reissued to you has been submitted. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. '' I did not ask for a check to be re-issued and they failed to address my question, they but introduced additional delays. 

I continue to wait for my {$5600.00} since XXXX. I called their service center 2 days ago and was told to continue to wait. I believe this wait for my funds is excessive and would appreciate any intervention into their unacceptable delays and unprofessional practices ( including being evasive and holding owed funds for, literally, months ).
Product: Student loan

I finished school in XXXX. My first complaint is aes customer service reps do not help the borrowers find the best repayment plan and they withold information. They are typically not even knowledgeable about loans and accounts and repayment. I have often received a cut and paste answer that never answered my questions. I started making payments in XXXX and was about {$31000.00} in debt. I was never told about the income based repayment plan and for the first 4 years I paid large payments and for less than a year I was on unemployment deferment. Then a co-worker told me about income based plan. So I applied and it was a process and I paid so far ahead I was in paid ahead status so I had to write a letter saying to remove the status. First off they say your loans " may be forgiven '' after XXXX years. I am furious my first XXXX years do n't count towards the XXXX even though I paid so much. When I start paying in XXXX I paid down my interest. I recently found out my loans accrue {$110.00} of interest a month and my {$100.00} payment obviously does n't touch the principal. I was told the payment would be disbursed to interest then each loan even if just a few dollars. I find out that I have {$2000.00} in outstanding interest and I do n't understand how. Also when I reported my interest for taxes in XXXX I paid {$1100.00} and in XXXX I reported {$770.00} so my income and payment was very close but how the XXXX did I pay so much more interest in XXXX? I have been paying loans for almost 6 years and I am steady {$30000.00} in debt. I paid off XXXX XXXX and a XXXX loan so that was like $ XXXX XXXX and I paid at least {$7000.00} to aes yet my balance only dropped to slightly below {$30000.00}? This is insane. Clearly there is an issue with income to debt ratio and something is n't right. I feel I am being taken advantage of. I know I borrowed the money but I regret it big time. I wish I never went to school. All I am saying is I had to figure the loans out on my own since I was XXXX with no guidance. I am XXXX and would like a fair shot to pay these loans off without the interest jumping every time I turn around or not being properly warned that the income based plan is the worst plan for someone and not helpful as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Also attached this as pdf for better readability : Item No. 1. UNFAIR : Credit account mentioned above in reference is closed. 

Detail : Your Company has reported since the open of my Discover account, to the credit bureaus, that my account is in good standing paid, no balance to owe, excellent payment history. 

XX/XX/XXXX During my call to your support center, your representative told me that your account is good standing and keep using it. 

XX/XX/XXXX I tried to use my discover card and for the small transaction of XXXX dollar and it was declined. I did not understand the reason. This very day, I called your support center to find out the reason of the declined transaction. Your representative told me Oh we closed your account. I was surprised to learn that, as I was advised in XX/XX/XXXX that my account is in good standing and I can continue to use it. I expressed my concern and that I did not ask to close the account. 
This very representative advised me to go ahead and open up another account, with assurance tone of voice. I followed her instructions and proceeded. In next minute I was advised that no we cant proceed with new card and I cant have the credit card. 

XX/XX/XXXX I received statement I have credit balance of {$17.00}. 

XX/XX/XXXX I was notified by the bureau of significant decrease in my credit score Item No. 2. UNFAIR : Hard Inquiry by your representative on XX/XX/XXXX, further dropped my credit. This action was NOT required. As the situation is UNFAIRLY handled by your company and I was misled. 
Item No. 3. INACCURATE : Credit report has comment on closure of Discover credit Account closed at consumer 's request I have never called in and did not act to close this account.
Product: Credit card or prepaid card

Charged late fee and I do not know why.  Always make payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error. 
Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 

Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months. 
Thank you for your time and help in this matter. 

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

XXXX XXXX ( CEO ), Yamaha Motor Finance, shall be prosecuted for performing deceptive business practices. 

This letter shall be forwarded to the Internal Revenue Service ( IRS ) as well.

Yamaha Motor Finance be aware you have violated federal law and provided false and misleading information to an Consumer and you will be held criminally liable and accountable.

Yamaha Motor Finance ( XXXX XXXX CEO ) closed my account without my lawful authority and any person who is responsible for violating my consumer rights will be prosecuted.

Yamaha Motor Finance understand you do not have any lawful authority to close my account that have issued, and have security interest in.

I promise you will be held accountable for all your deceptive business practices. 

I have revoked XXXX XXXX XXXXYamaha Motor Finance Power Of Attorney and I am demanding all remedy and demanding all of my property and I claim all my rights to the proceeds and demand all amounts due be payable into me ( XXXX XXXX ) XXXX You have 20 days to return all my property.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX XXXX to tell them Im opting out. And no longer want them to share my personal information with any credit reporting agencies. They still have not responded. 

Also All credit bureaus ( XXXX, Equifax, XXXX ) are in violation under the privacy act of 1974. Charge offs are considered CERTIFICATE OF INDEBTEDNESS. Which means it is now considered income and must be removed off my credit report. It should have not been there to begin with. Pur 15 U.S. Code 1681n each credit bureau owes me a {$1000.00} Per violation.
Product: Checking or savings account

Hello CFPB, On XX/XX/year> I opened an online high yield savings account with Citi Bank. On XX/XX/year> I wired {$77000.00} from my American Express savings account into the Citi account. On XX/XX/XXXX, I wired and additional {$100000.00} to my account. On XX/XX/XXXX, I was locked out of my online access. When attempting to reset my password it required the card number of a card that was in transit to me via USPS. Once that card arrived, I went through the process of inputting that information into the system in an effort to reset the password and grant access. The system prompted me to call a customer service representative. I called the service line XX/XX/XXXX and the first operator that I spoke with informed that I had a fraud block on my account and I needed to be transferred to that department. I was blind transferred an additional 5 times until finally reaching a representative whom informed me that my account was closed. When inquiring why and who closed the account, the only response was that I would receive a letter in the mail within 2 weeks. I spoke to 2 additional representatives who also made the same comment. On the last call I inquired where my {$170000.00} was currently being held and how would I receive it back since Citi closed my account with notification or explanation? Again, the response was that I would receive a letter in the mail within 2 weeks. So now I am left in limbo with a closed account and {$170000.00} being held captive by Citi with no one giving a formal explanation, aside from a letter arriving in the mail which will explain.
Product: Debt collection

this company is reporting a debt on my credit report that i have disputed with them and the 3 credit reporting agencies. it has been over 7 years and im still disputing this with the company and collection agency. 

i am requesting that this company provide me information of this debt, information to validate that i owe this debt, contracts and signatures of this debt. if this company can not provide valid documents stating i owe this debt i am requesting that they remove it off my credit report and to also stop contacting me about it. 

this company is stating i owe {$3500.00} from one debt and {$1000.00} from another company.
Product: Debt collection

This is from a Kohls credit card in which had a maximum limit of XXXX XXXX dollars and it states I owe {$610.00}. My Kohls account was paid in full and closed so I have no idea why it is on my credit report as Exceeded the maximum limit and now Stating I owe over {$600.00}. I already filed a dispute with XXXX and this one came back with no change. I have tried working with the merchant and they are saying that the account was never paid in full, So it will remain on my credit report. I have just been able to get my first credit card due to one of the three derogatory notations on my report ; Kohls being one of them. I need it drops off my credit report as it was paid in full.