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

100 % XXXX Loves Launch Nuclear Missals only means Relief 15 Years try to remove Fraud Alert on Credit File sending XXXX Forms ID and XXXX says there still Fraud Alert on my File 15 Years no Bank can verify me with XXXX XXXX XXXX violate XXXX XXXX Code XXXX Genocide Laws ICC, Alien Tort Claims Act XXXX XXXX. XXXX war crimes, crimes against humanity and aggression CAHWCA, Common torts assault, battery, damage to personal property, conversion of personal property, and intentional infliction of emotional distress, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over six months ago my " XXXX XXXX '' score as reported by XXXX XXXX dropped from XXXX to XXXX over the course of one month. I called them to express my concern and was told that they just share numbers they get from TransUnion. I contacted TransUnion multiple times through postal mail, phone calls and through attempts on their website. As best I can tell, when I took out a home equity line of credit TransUnion replaced my 30 year credit history with multiple credit cards, mortgages, etc. with a brand new credit report only having my new line of credit. Instead of a 30 year history or credit they were reporting that I had a 30 day history. As an example of the bizarreness of TransUnions actions, they are telling me on my XXXX XXXX online account, where I have three credit cards, that I don't have any credit cards. It doesn't make any sense. I have spoken to at least three TransUnion representatives who have said they will fix the problem over the course of six months and nothing has changed. All I ever get is a letter from TransUnion that says " Enclosed is the credit report that you requested. '' I'm not requesting a credit report, I'm requesting that they fix their error.
Product: Mortgage

XXXX XXXX sold my loan without any type of notification, to Planet Home Lending. XXXX XXXX continued to process my payment through auto-pay after the loan was transferred and in so doing brought my account with Planet Home lending into delinquency which I had to straighten out with my bank by stoping payment on the transaction and having a bank check sent to Planet Home lending making my payment late. XXXX XXXX also did not transfer existing Escrow funds when they turned over the loan and now my account with Planet Home lending is showing in the rears on my Escrow account. and are charging me a monthly service fee above and beyond the interest they are already making on my VA Guaranteed loan. 
This is the second time my loan has been sold in XXXX years and am very displeased with it since my payment history has been exceptional.

Planet Home is very much borderline on predatory lending laws in how they service their accounts and how they treat people when trying to resolve issues on those accounts.
Product: Debt collection

My previous apartment complex XXXX XXXX XXXX located in XXXX XXXX Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of XXXX dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two items ( XXXX XXXX, XXXX XXXX  ) reporting on my credit report that are not my accounts. It appears that both accounts were open in 2019. I have made several attempts to contact the credit bureaus via mail to address this situation. Each time I receive an updated copy of my report with the same 2 items still reporting. I have not receive any results of the investigation that can actually tie me to these accounts.
Product: Credit card

On XX/XX/23 my credit card number was used for fraudulent transactions. Many transactions occurred on this date and the credit card company reversed them all. Eventually though XXXX charges for XXXX XXXX appeared back on the card. 

I have called many times and they have credit the money back XXXX  times in total but every time eventually the charges reappear. There appears to be no escalation path to Chase which will allow me to resolve this matter so I am trying here. Below is the series of debits and credits for the three fraudulent transactions ( keep in mind all stemming from the same transaction where I call and complain and they credit back and then debit again without notification ) The amounts fraudulently charged are as follows : XX/XX/23 : XXXX  XXXX XXXX : {$550.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX : {$79.00} I didn't make these charges. I've never had business with XXXX XXXX XXXX. Remember that there were many other fraudulent charges from that day that were immediately removed - why they insist on not removing these is beyond me but it has been at least XXXX calls and we are not making any progress!
Product: Checking or savings account

I have a tenant who owes back rent. He applied for the California rent relief and was approved and sent a check. The check was make out on a chase check. I went to deposit the check into my account, everything was good untill the day the hold was released on the check. Chase restricted my account with the funds for back rent. First time I called customer service person told me it was a fake check, which that isnt true because I called the verification number on the check to verify it before I deposited it. Then they told me it wasnt cashable ( called the number On the check again, and it said it was cashed and cleared by Chase Bank ). Another time they told me to have the program To re-issue me a check. Doesnt make sense since its already been cashed and clear by Chase why would they Re-issue me a check because they can see where it was cashed. Another time I called they told me I had to get a notarized authorization letter from my tenant stating What the money was for. It took me a couple days to get that since my tenant went to XXXX I had to have him write a authorization letter and get it notarized and have it mailed to me once I received the letter I called Chase again and then they told me a whole different route I have to take. Theyre making this really difficult and Im really getting frustrated. The XXXX check is written On a chase check they know its a real check because they cashed and cleared it and then put my account on hold and restricted it. 
Its like a runaround with them right now I need help getting this figured out Ive already lost income due to my tenant not paying and now this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Avant XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with Avant period.
Product: Debt collection

It has been like pulling teeth over the last few months for me to get any information from the firm Mullooly Jeffrey Rooney & Flynn , LLP.

Unfortunately, they do not answer my questions if I ask nicely, only if I file a formal complaint. So this is my umpteenth complaint, and I really wish the CFPB would tell them to start just treating me with dignity and answering my questions so I do not have to submit a complaint every time I have a basic question. 

They claim to be suing me on behalf of XXXX XXXX, and I have informed them multiple times I disputed the debt. 

One of the things I asked for is a copy of the contract. They finally sent this to me on XX/XX/XXXX. 

Immediately I noticed discrepancies : XXXX. The application was dated after the account was alledged to be open. 
2. The employer was not my employer at the date noted.

3. The address was not my address. They used a very old address from two decades ago.

4. The salary was not my salary at the time this alledged " application '' took place 5. The date format was weird -- it was in non American DD-MM-YY format instead of the normal American format MM-DD-YY. 
6. None of the codes or other formats was explained It therefore seems to me that this is clearly prima facie evidence that the alledged debt is not mine. If it were mine, XXXX would be able to produce a signed contract. Additionally, if it were mine and not a fraudulent money grab by XXXX or XXXX, they would be able to quickly resolve this issue. 

Instead, XXXX has told me there is no timeline for their investigation. 

Unfortunately, they're suing me, and that has a very firm timeline. I need them to take responding to me seriously. This is ridiculous!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Formal Dispute of Inaccurate Information and Notice of Civil Liability Under 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit report and to notify you of your potential civil liability under 15 U.S. Code 1681o due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : Account Name/Number : # # # # # # XXXX Creditor/Agency Reporting the Debt : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account, Date Opened, Dont Recognize This information is inaccurate and misleading and is negatively affecting my credit profile. Under the FCRA, you are legally obligated to ensure that the information you report is complete, accurate, and verified. 

Legal Grounds for Dispute : Pursuant to 15 U.S. Code 1681o, if a consumer reporting agency or creditor negligently fails to comply with its obligations under the FCRA, it may be liable for damages sustained by the consumer. Negligent noncompliance includes : Failing to properly investigate disputes Failing to correct or delete inaccurate information after notice Failing to provide disclosures as required under the law Requested Action : 1. Immediately investigate this matter as required under 15 U.S. Code 1681i and provide written confirmation of your findings.

2. Delete or correct the inaccurate information from my credit file if your investigation confirms the error.

3. Provide me with a corrected copy of my credit report once the investigation is complete.

4. Provide the name and contact information of any entity that provided the disputed information.

Failure to comply with the FCRA may result in legal action, including a claim for damages under 15 U.S. Code 1681o, in addition to attorneys fees and costs. I expect your prompt response within 30 days as required by law. 

Please send all correspondence regarding this matter to my mailing address listed above. 

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

XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to XXXX, Experian, XXXX regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to 3 credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS XXXX XXXX, WAS OPENED FRAUDULENT
Product: Mortgage

I had made a payment ofXX/XX/XXXX with it being a Saturday on Pennymacs website. The Pennymac had my credit unions information listed. On XX/XX/XXXX which is a Tuesday I had this emailed sent to my PennyMac confirming that my payment was processed and approved. From : **Automated Message** When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX Dear XXXX XXXX , We have successfully processed the Payment transaction scheduled for XX/XX/XXXX, for the amount of {$1000.00}. Sincerely, The PennyMac Team On Friday the XXXX I had started to wonder why the money was n't taken out of my bank. I had tried emailing and calling the company. When I had called the company the automated phone line had said that my payment was received and processed. I could n't even get a live person if I tried to. Today Monday XX/XX/XXXX I hear back from a representative saying my Subject : Payment From : PennyMac Loan Specialist When : XX/XX/XXXX @ XXXX XXXX Re : Loan # XXXX XXXX XXXX, Yes, we received the payment you made on XX/XX/XXXX and it was returned by your bank unpaid as " Account Closed '' on XX/XX/XXXX. Your account is still do for the XX/XX/XXXX payment. Thank you for allowing me the opportunity to be of service. XXXX I am confused on how a payment can be processed on XX/XX/XXXX with a confirmation and than today I am now first learning that it was sent back by my credit union. When I had contacted my credit union today they had told me that I have a active account also I ended up using my bill pay to send off the payment. I am now getting a late fee for a payment that I was n't made aware that was even late. I honestly do n't believe they would even told me anything. I also just received a notice saying my escrow is in the negative when I had enough money to make the insurance and tax payment. I just feel this company is out to get consumers. I am not the first and wo n't be the last to have this company investigated. I just want to make others aware of this company. This is the 2nd time I have used the site to make a payment and this happens. I can promise I will never use the site again and always use my credit union. Once I find a different lender I will be gladly switch over.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting information that's not true on my credit report should be on there that should be remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX OH XX/XX/XXXX {$1100.00} XXXX XXXX  XX/XX/XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX FIN AM XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I called Portfolio to discuss why they were on my credit report. The lady was very rude and told me that they send me a letter. When I requested another letter, I got a notice that they send me a letter in XX/XX/2022. I then mailed them a certified letter requesting more information and they have failed to respond.
Product: Debt collection

JVSGROUP {$2600.00} {$0.00} 4 accounts reported on XX/XX/XXXX 0 accounts reported on XX/XX/XXXX Open Account # 1 {$1200.00} Balance XXXX  CLINIC Original Creditor {$1200.00} High Balance XX/XX/XXXX Opened DateXX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error This agency did not report an open account to this bureau.
Open Account # 2 {$900.00} Balance XXXX HOSPITAL XXXX Original Creditor {$900.00} High Balance XX/XX/XXXXOpened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error Open Account # 3 {$150.00} Balance XXXX HOSPITAL XXXX Original Creditor {$150.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error Open Account # 4 {$360.00} Balance XXXX HOSPITAL XXXX Original Creditor {$360.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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This company refuses to provide me verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ) on 4 collection accounts in their office. I am demanding proof of this debt for any and all accounts. Consider this a direct dispute because this is not my debt and this is defamation of character for all 4 accounts. I have spoken with numerous people that this company has done this too. They are very hateful on the the phone and use many unfair and deceptive collection practices. Last 4 of my social are XXXX  and my address is XXXX XXXX XXXX XXXX TX XXXX. I need proof I owe this debt. Also I will be contacting an attorney to seek actual and statutory damages against you and your client. I will also be contacting your client to notify them of your unfair practices and inform them what kind of agency they have hired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit reporting, credit repair services, or other personal consumer reports

The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is XXXX XXXX XXXX ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is Wakefield ( Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.
Product: Checking or savings account

this is in regards to my last complaint. 

XXXX I understand they wont cover the fraud. But, their employee told me over the phone that the check cleared and to proceed. they should cover their mistake, imo.
Product: Consumer Loan

I submitted documentation from Santander agency verifying I had paid off an auto loan in 2012 trading in auto and paying balance of loan of loan more than {$9000.00} ; to date this is reported to XXXX as a {$17000.00} charge off significantly affecting my credit. Twice I have submitted documents supporting the auto loan paid in full and it was to be corrected by XXXX XXXX ; this was not done.