23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with State Farm Bank on XXXX. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit. The finance charge is suppose to include insurance but State Farm Bank made me purchase insurance separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these sinceXX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting

I have an evict ion from   XXXX   that is coming up on my record and it is preventing me from renting an apartment. This eviction was ordered by a judge to be dismissed and sealed from my record in    XXXX   XXXX   XXXX   . Its still coming up on my record and it is preventing me from renting. I am currently   XXXX   with my   XXXX   kids because of this.
Product: Checking or savings account

I am filing a formal complaint against U.S. Bank, XXXX Branch ( XXXX XXXX XXXX XXXX ) regarding their unlawful and excessive hold on my deposited check, which has resulted in severe financial harm. 

Incident Details : Bank Name & Branch : U.S. Bank, XXXX, NC ( XXXX XXXX XXXX XXXX ) Date of Deposit : XXXX XXXX, 2025 Initial Hold Release Date : XX/XX/year>2025 Extended Hold Date : XX/XX/year>2025 Further Extended Hold Date : XXXX XXXX, 2025 U.S. Bank originally quoted me a hold release date of XX/XX/year>2025, but they have unreasonably and repeatedly extended the hold without justification. Despite multiple attempts to resolve thisincluding phone calls, using their virtual assistant, and speaking directly to the banker who processed my depositthe bank refuses to release my funds. 

Severe Financial & Emotional Impact : Because of U.S. Banks wrongful withholding of my money, I am at risk of losing all of my belongings in my storage unit, as I can not withdraw the funds necessary to make the required payment. This situation is causing me extreme emotional distress, financial hardship, and irreparable damage to my personal and professional life. 

Attempts to Resolve : I have : Called U.S. Banks customer service. 
Used their virtual assistant. 
Visited the branch and spoke to the banker who processed my deposit. 

Each time, I have been denied access to my own funds, despite the fact that the initial hold period has expired.
Product: Vehicle loan or lease

I Missed a Payment on XXXX because due to an accident and went that vehicle to Total Loss but they didn't provide the required documents ( needed by insurance company for claim ) and reported that payment as late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.
Product: Vehicle loan or lease

I financed a used car through Carmax XXXX XXXX. At least three times in the past two years I have received a notice that my payment was overdue and a past due payment was added to the monthly payment. 

When I called, they always conceded that the payment was processed but the letter was sent. As an example, my last payment was due XX/XX/2020. I sent the payment as I always due electronically through XXXX XXXX. 

That payment was paid on XX/XX/2020. When I spoke to Carmax XXXX XXXX on XX/XX/2020 ( the day I also received the late payment notice letter ), I was told the payment had been received on XX/XX/2020, well within the ten day grace period, but not posted until XX/XX/2020. Hence the overdue letter. 

Since this can affect my credit score, I want to know what can be done about having my payment posted timely. I always pay at least a week ahead of the due date, sometimes even 10 days ahead. 

Thank you, XXXX XXXX
Product: Debt collection

I am filing a formal complaint against Jefferson Capital, LLC regarding their attempts to collect debts from me without proper authorization. Jefferson Capital , LLC does not have a license to collect debts in the state of Virginia, and I have never had an account with them. Despite multiple requests, they have failed to provide proof from the original creditors demonstrating their legal authority to collect these debts.

The accounts in question are as follows : Jefferson Capital, LLC Account # : XXXX | Original Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX | Original Creditor : XXXX XXXX I have repeatedly requested validation of these debts, including documentation from the original creditors proving that XXXX XXXX XXXX XXXX owns the debt and has the legal authority to collect it. However, they have failed to provide such proof, yet they continue to report these accounts to the credit bureaus, negatively impacting my credit standing. Since Jefferson Capital , LLC is attempting to collect debts without proper licensing in Virginia and has failed to validate the debts as required under the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit card

While I was travelling abroad and my card became comprised, a merchant called " XXXX XXXX XXXX '' placed a {$59.00} charge on my card. Another merchant called " XXXX XXXXA '' placed a charge of {$300.00} on the card on the same day. I did not stay at that hotel. I stayed at the hotel of the XXXX XXXX and can prove it t to the CFPB if needed. I disputed the XXXX charges with Chase and had a new card issued. Chase rebilled me claiming that the chip was presented. I explained to Chase that when I was in a taxi in XXXX, I tried to pay the cab driver with cash and the driver said he only accepted credit cards. I gave the card and he never asked me to confirm on the screen what I was paying or the amount and I never received a receipt. I believe now that the cab driver cloned my card. I advised Chase of this and I asked them to verify with the merchant what information the so-called merchant had about me but Chase failed to abide by the Fair Credit Billing Act and has now inappropriately rebilled me. Chase claimed they would remove the incorrect rebill amount but has yet to do so.
Product: Credit card or prepaid card

After learning of Wells Fargo 's criminal activities ( XXXX  XXXX ), I paid off my WF credit card and quit using it. This was years ago. When they sent me a new card several years ago, I did not activate it. Eventually I got around to closing the account some time in XXXX ... but I don't have anything in writing. I went into the branch and did it. After many months of no contact, they began emailing me again. 

XXXX XXXX, XXXX, Wells Fargo sent me a promo email " You may be eligible for more purchasing power. '' I wrote back and said " I believe I closed my account with you long ago. Please confirm. No answer. 

XXXX XXXX, XXXX, Wells Fargo sent me an email to say my card was expiring soon ( this has to be the one I never activated ). Around XX/XX/XXXX : First I called to say I cancelled this card ; the person I was talking to wanted all kinds of PPI and then it finally occurred to me that this could be a phishing email, and if it was I'd taken the bait. I forwarded the email to the Wells Fargo phishing report email address and explained the situation. I closed with " If it actually was Wells Fargo I talked to, I hope someone from that company lets me know. '' No answer. 

-Around XX/XX/XXXX I got a credit card from Wells Fargo in the mail. I looked up " Wells Fargo Account Fraud '' and found this on XXXX : " Wells Fargo clients began to notice the fraud after being charged unanticipated fees and -- receiving unexpected credit or debit cards -- or lines of credit. 

So I received an unexpected credit card, long after closing an account. Is Wells Fargo committing one of its crimes again?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried relentlessly to get in touch with this creditor. They are reporting that the car is repossessed when in fact it was traded in for another car. THey are also still showing a balance owed of XXXX and it should be at a balance of. The incorrect reporting is affecting my ability to obtain a mortgage
Product: Debt collection

On XX/XX/XXXX, i got a letter in the mail that stated a Debt Collecter XXXX  XXXX XXXX known as Mandarich Law Group filed a lawsuit against me. I called that exact same day and worked out an agreement and payment plan with one of the agents there to at Mandarich Law Group to pay {$120.00} until the debt is gone. The agent did say that the first month will be {$88.00} due on the XXXX every month which the first month is paid already and then down the line it will be {$120.00} every month due on the XXXX. 

Mandarich Law Group stated that they also will send an agreement letter to my house overviewing the payment options and payment dates. The agent did mention i would need to sign it and either mail, email or fax to Mandarich Law Group.

The agent also stated once everything is signed and looked over the attorneys at Mandarich Law Group will look it over and stop the lawsuit. 

The amount owed on my account is {$4200.00}.
Product: Debt collection

I am being contacted by Northstar XXXX XXXX, XXXX, New York, for information about someone else. 
I told them I have no information for them. 
I asked them not to call me. 
I keep getting calls on my cell phone while I am at work. 
I have no idea how they found my information because I am not a co-signer or co-debtor. 
I do not want them to call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies. 
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: Bank account or service

Dear Officer, I am writing to report that Bank of America cheated me over the phone. Please ask Bank of America to face the fact and explain why they should cheat its customers. Bank of America has never answered this question. Bank of America is still lying. That is not decent business behavior. Something is wrong within Bank of America because its phone representatives misled or cheated me. 
Thank you! 
XXXX XXXX PS : The following is the detail : On XXXX XXXX, 2016, I and XXXX XXXX XXXX in her XXXX office made a phone call to Bank of America ( XXXX ), regarding my home-line-equity account with Bank of America. Bank of America told me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
XXXX XXXX ( Tel : XXXX ) would like to serve as the witness of this issue. 
Thank you! 
XXXX XXXX
Product: Mortgage

After I locked into a rate ( as the loan agent guided me through the web side ), I noticed that the bank fees has increased and also lender credit was not there any more. Instead there were more to put out of my pocket. They did not notify me about it but wanted to upload paper works to move through the applications process ( emails attached ). 
When I brought that to their attention, they said the mistajke happened due to an overlap in their website due to XXXX of XXXX holiday! Finally after more e-mails they agreed to go back to my lock rate with same pay out of my pocket. 
Then the loan officer stated that he can not pull my XXXX  credit due to is is forzen. I have checked my self ayt XXXXsite and also talked to two XXXX  agents and verified that the credit file is Unlocked and not frozen. As I went back to the loan agent, he told me to go through another sister company of theirs as they only requires 2 credit scores ( but their fees are much higher! ). I am assuming that this bank advertised false rate and now they are back paddling with any excuses they can get. 
I still have 40 days locked at that rate and the loan agent is actually telling me that he will not be able to get the XXXX  credit score by himself and blaming on XXXX  ( again, I verified with experian that is not true ). 
this is a huge waste of my time for two weeks in between my job to get all the paper work submitted to them and they can not keep their advertise loan rate with the out of pocket expenses for me. First they increased the estimated cash to close without my knowledge and now they are not able to pull my credit report ( which is not Locked ). 

Kindly see the e-mail exchanges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

Credit Collection Service Debt Amount : {$190.00}
Product: Credit reporting or other personal consumer reports

Reporting Agency has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for, duplicate and purpose
Product: Mortgage

I contacted Chase Bank to re-finance my recently modified mortgage. Loan officer was fully aware of the date loan modification, and should have known prior to my application that it would be declined due to company policy. Now my credit rating is again reduced due to their negligence!
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Credit reporting

I have disputed this issue with the other credit reporting agencies as well as TransUnion and only TransUnion has failed to remove this erroneous and derogatory notation from my credit file. TransUnion seems to be all talk when it comes to " reinvestigating '' problems with credit files as they have assured me twice now that this would be reinvestigated and that I would be contacted by mail and neither has happened. Both XXXX and XXXX have done both of these and have resolved the issue by removing this creditor in full from my credit file. I need for TransUnion to followthrough with actions and deeds and not just empty words saying they will do what they seem to be unable or unwilling to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Product: Payday loan, title loan, personal loan, or advance loan

I moved into my new place which was a brand new start for me. I have previously bought furniture from the before by fulfilling my lease. I received the coffee table and end tables ( FROM XXXX XXXX ) and the coffee table has rusk on the chrome base and the end table is warped. upon receipt i advise that the coffee table was not right in which i was advised to attempt to wipe off and to give them a call if not right. He refused to take it bac. I then attempted to call Acima and was advised that someone will get in contact me from the resolution team. This was XXXX,, the same day.. i received a call on that saturday on XXXX. The rep was very rude, would not allow my to speak and told me I had no choice and that they can't help me. I felt so embarrassed and belittled behind my purchased. 

I called on Monday XXXX, and after being hung up on, transferred and spending several hours on the phone hold,,, i spoke with XXXX who finally gave me some information. However, after the experience, I had i don't trust this company. Additionally, the website states XXXX Free Returns which is a false advertising... 

No One, I mean No one would give me the address to corporate but only an email address which is XXXX. I have sent all requested pictures and emails to XXXX as requested. 

All i want is to be lt out if the lease, pick up the furniture, and continue to start my new life, I had good intentions with this company and have been treated unfairly. I want them to take accountability on how they talk and treat people and to uphold what is on the website. Also, i want the calls pulled for training as i was told flat out NO..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.
Product: Credit card

I have a credit card with Capital One and they abruptly suspended the usage on my credit card due to suspected fraud from me. I submitted my license and verified my identity and they still have restrictions on my account.
Product: Credit reporting or other personal consumer reports

There are three accounts appearing on my Experian Credit report that are inaccurate. Alleged accounts belong to XXXX XXXX XXXX stating I owe {$14.00}, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX I requested the original contracts with these companies, to prove that contracting occurred in accordance with 15 USC 1602 ( g ) ( 2 ). I also disputed through Experian sighting FCRA violations as well as the violations in consumer law. In accordance with 15 USC 1602 ( g ), the consumer is the original creditor, and when there is no evidence of a debt there has to be contract which the consumer grants the creditor permission to report in accordance with 15 USC 1681 ( b ) ( a ) ( 2 ). All alleged creditor - debtor relationship has to have a contract, and all contracts are checks ( UCC 3-104 ( e ) ( f ) ), deposited by the seller. All alleged finance companies are draft purchasers, ( UCC 2-104 ( 2 ) ). I Thank You for your time and attention to this matter, and that honest and accurate reporting follows. 

Thank You, XXXX XXXX