23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Self reports late payments on mr credit report but with another person social security number. I called so they can remove the information off my credit report since its not me they told me no. I gave them my information and they verified it doesnt match the account information, so why put it on my credit account
Product: Payday loan, title loan, personal loan, or advance loan

I call about the different loan payments the first payment was XXXX now its over XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

Information being reported is incorrect. Show account as being paid settlement less than balance owed, when in fact account is/had been paid in full. This dispute has been going on since XXXX. 
Incorrect information needs to be deleted at this point.
Product: Prepaid card

I have XXXX Amex gift cards and I can't use either of them for anything. This is a known issue because the cards are flagged for fraud because they don't have a name or address linked to them. All that happens when I use them is they decline and I get a XXXX pending charge. I have tried using it for as low as {$10.00} out of the {$25.00} available balance and it doesn't work on any website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. The XXXX XXXX account is still showing as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor. XXXX XXXX responded that they had sold the account to XXXX and were no longer reporting it. A recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXX XXXX and XXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history.
Product: Debt collection

I was contacted by phone on XX/XX/24 by Southwest Credit Systems L.P., the lady on the phone was had told me she was trying to collect a debt I owe to XXXX for the amount of {$340.00}. I processed to tell her I have never had a XXXX account ever and she told me that I had opened an account and specifically told me I got XXXX XXXX XXXX pros and XXXX XXXX generation XXXX XXXX and defaulted on the first payment date. None of this is true, nor does XXXX themselves have any record of this when I called and gave them the account reference number. She gave me the phone numbers to these phones, all which are out of service when I called them. I then by XXXX certified mail sent them a letter stating that I wanted to see proof of contract to validate them collecting this debt. Then I received very poorly falsified documents back from them with completely unrelated information to me. They have reported on my credit report under a different collection company named national recovery operations for XXXX the amount they originally stated and put that the debt was from XXXX XXXX instead of XXXX. I responded to back to the company, bringing to there attention that they are violating my rights and federal law under15 USC 1692k 812 ( a ) Furnishing Certain Deceptive forms & 15 USC 1692f 807. False or misleading representations ( XXXX XXXX XXXX XXXX XXXX. I also informed them of my filling this complaint.
Product: Debt collection

They call at all hours of every day of the week for example XXXX XXXX week days and even Sunday at XXXX this is unexceptional normal business hours are XXXX XXXX XXXX XXXXXXXX I feel this company is harassing me with calls we have provided a solution to pay and they have denied payments thru them.
Product: Debt collection

I never had any debit with this company. They are reporting to my credit report XXXX and XXXX and XXXX in accurate and false statement and debt and late payments with this company that I never had any business with Jefferson Capital System They have put it in my credit report XXXX and XXXX and XXXX inaccurate information that I owed them a debit I never had with this company. They inaccurate say I have a debt and late payments with this company and I do not know them. 
I never sign or have any business with this company Jefferson Capital System. 
This false inaccurate information that is entered in my credit report XXXX and XXXX and XXXX is causing me not to be able to obtain credit auto loans ECT I demand under USC 1692 C that they remove their company Jefferson Capital System from my credit report with XXXX and XXXX and XXXX immediately.
Product: Mortgage

I have been trying to get a XXXX for the 2024 tax year. As of today, it still has not been issued. After I reached out to them over a week ago, they finally said they needed a form signed by me that they never requested and should have in the file from closing. I provided it within an hour and was told I'd have the form in XXXX XXXX or XXXX. Still no form. I can not finish my tax return without this. They are costing me money be delaying me.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

I was one of about 143 million US citizens affected by the Equifax security breach reported on XXXX XXXX. I have checked and the website that tells users if they were affected or not and they believe my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, This letter is intended to request the Honda Financial Services to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to Honda in person at their dealership at the time of the ownership closeout. Honda however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. Honda submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with Honda as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.
Product: Debt collection

This letter is to express grievance with XXXX XXXX XXXX XXXX for unfair late fee charges that run contrary to Texas Codes, specifically : Texas Property Code 92.019.

Texas Property Code 92.019 prevents landlords from charging more than 10 % of monthly rent for late fees. On 4 occasions, XXXX XXXX XXXX XXXX issued late that exceeded the state allowed amount by more than 60 %. According to Texas Property Code 92.019, because my rent is XXXX XXXX monthly and more than 4 dwellings are housed in the building, late fees should be {$68.00}. 

On the following date, XXXX XXXX XXXX XXXXXXXX fined me {$160.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX Furthermore, XXXX XXXX XXXX XXXX disobeyed the CARES Act moratorium that prevents landlords from charging late fees from XXXX XX/XX/XXXX. However, XXXX XXXX billed late fees on the following dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. 
Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX  account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. I have made all payments on time, as I am enrolled in autopay for this account. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accuracy in reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that Equifax investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of the correction within 30 days. 
Attached, you will find supporting documents, including payment confirmations and autopay enrollment records, to demonstrate my timely payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

Chase Auto finance refuses to answer questions directly relating to my redemption department payment extension request in writing. They mention everything but do not answer or acknowledge questions relating to these requests. Please respond in writing and answer. 
1 ) I want acknowledgement in writing as to whether or not you received the requests? Both were federally declared disasters and the most recent the XXXX building collapse. 
2 ) Were these received and is an extension processed? 

Please answer directly the above two questions or I will continue to escalate this with every agency and complaint board until answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Wells Fargo Bank Is Violating 15 U.S. Code 1681 ( a ) ( 2 ) ( a ) ( i ) My Furnishing Fraudulent Data about Late Payments On my Credit Report Which is In Direct Violation of 15 U.S. Code 1681 under Exclusions of Transactions and Experiences Between Two Parties ''
Product: Credit reporting or other personal consumer reports

I requested an investigation from TransUnion on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XXXX. I this investigation I requested the validation of the following accounts. 

1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
2. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
3. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
4. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT ED/XXXX  Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
5. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
6. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXXXXXX XXXX Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
7. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
8. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. 
9. I requested what steps have been taken to report this account now that is has been transferred and no information was provided. 
DPT EDXXXX Account Number : XXXX Since you have stated this account has been purchased to another lender, please delete this account immediately. 

To this day, these account still remain as is on my credit report and validating documents have been provided to proof the accounts are accurate. This is a violation of the FCRA as I requested a formal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the Dept of Education and they too could not find any loans associated with ssn. 

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.
Product: Payday loan, title loan, or personal loan

Representative of company came to my elderly mothers door and sold her a loan for which he claimed the government would pay for. Included in this loan was an option to purchase life insurance. My mother purchased life insurance and amount was included with loan payments thru XXXX. XXXX  sold loan to another company etc etc. Loan is currently thru XXXX XXXX XXXX XXXX. My mother XXXX on XX/XX/XXXX 2017. I contacted XXXX XXXX XXXX regArding life insurance and was told they had no info On life insurance and was unable to access original records of XXXX so therefore life insurance could not be honored.
Product: Credit reporting or other personal consumer reports

Please note that I've been trying to resolve this since XX/XX/XXXX. I became a victim of identity fraud and healthcare fraud this year. I've submitted so many complaints to all necessary agencies. I've written to Bank of America several times-never received a reply from my XX/XX/XXXX letter or from my XX/XX/XXXX letter which was sent via XXXX priority mail with tracking-zero communication. I sent another letter via XXXX XX/XX/XXXX and it was delivered XX/XX/XXXX at XXXX left at dock and received by XXXX XXXX I gave them until tomorrow to respond and as of today I haven't received any communication. Bank of America did an illegal hard inquiry on my credit report on XX/XX/XXXX without my knowledge or permission and someone submitted a credit application as well. They must remove the inquiry from my report however they will not because they are the scammers. The rest is history and is an ongoing, difficult and relentless task in trying to resolve this once and for all. The last time I did this here against Bank of America and XXXX XXXX both banks chose not to have their responses posted on this site. It is due time to post all of it, shame them as they deserve to be shamed. Someone has to do something about this. I can't call as my calls are probably being rerouted to their scammers and I will not answer if they call me, and I made this clear in my most recent letter as I do not trust them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX Bank Credit Cards pulled my credit report. I do not recognize this inquiry, I did not authorize this transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the natural person, consumer and original creditor. I entered into a consumer credit transaction with EDfinancial XX/XX/2016. They are committing fraud because they got paid with the finance charge and mislead me to believe i still was suppose to pay them monthly payments, but my social security number paid for everything initially. They are also infringing upon my privacy because they sent my information to consumer reporting agencies without my written consent. Now those reporting agencies are reporting this alleged debt negatively to my consumer file. This is also fraud because that is my information nothing is suppose to be put on there without my consent on top of that everything must be accurate and they are suppose to interview friends and family which they never did. I am the consumer everything starts and ends with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My Marcus High-Yield Savings Account was locked in early XX/XX/XXXX randomly. I called Marcus customer service ( XXXX ) on XX/XX/XXXX to find out what happened ( photo attached below ). It turns out my account was forcibly closed on their part and they would not explain the reason why it was closed to me. I had around {$700.00} in the Marcus high-yield savings account and have yet to receive any funds back to my XXXX checking account. 

I called again today on XX/XX/XXXX ( photo attached ) and I spoke with fraud specialist XXXX. I found out my account was still in the process of being closed. It is taking way too long now. Also, I have not received any emails regarding my account being closed or the process my account is going through. It is completely irresponsible for a company to mishandle my account and not be forward with me communication-wise.