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

In early 2024, I discovered an entry on my credit report indicating a debt related to child support services. Surprised by this entry, as I had not been informed of any outstanding issues or debts by the Child Support Services of California, I immediately reached out to them for clarification. 

On XX/XX/2024, I contacted the Child Support Services of California to inquire if they had released any of my personal information to third parties, particularly to credit reporting agencies. The response from the agency, received on XX/XX/scrub>XX/XX/2024, was that they had not authorized the release of my personal information to any external entities. This raised serious concerns regarding the source and authorization of the data reported on my credit report. 

Following this, I reviewed my credit report details and noted that the entry regarding the child support debt was reported in XX/XX/scrub>XX/XX/2024, without any prior notification to me by the Child Support Services or the credit reporting agency. No specific amounts were disclosed in the initial report, and no prior communication had been made by the Child Support Services regarding any debt or the potential for reporting such information to credit bureaus. 

I took immediate action by filing a dispute with the credit reporting agency regarding the unauthorized entry on my credit report. As of the date of this complaint, I have not received a satisfactory resolution or explanation from either the Child Support Services of California or the credit reporting agency regarding the origin of this debt report, the authorization behind its reporting, or any steps being taken to rectify the unauthorized disclosure and reporting of my personal information. 

This situation has not only caused me unwarranted stress but has also potentially impacted my credit score and financial standing based on information that appears to have been reported without proper authorization or legal basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX!!! I hired this company because I'm a XXXX veteran. This company failed to render services for over a year after I paid them up front. I was told to sign a contract that would only last a year upon signing said contract NOTHING was done in regards to consulting or helping me with my VA claim. I didn't hear back from them for over a year and a half and then I was told that I owe roughly around or over {$5000.00}. 

After a year of waiting with no assistance by this organization, I gathered all the necessary documents on my own in order to continue with my case by myself I was then awarded After that I was then getting harassed by email and phone for about 4 months after that I noticed that I went to collections for a service that was not rendered. 

This company is a scam and not only did they NOT provide any type of service to me... but they then SCAMMED me and tried to claim that I had received full XXXX status because of their efforts when in fact they DID NOT assist me even once in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts On Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have sent over {$3200.00} to M & T bank since the beginning of XXXX as well as my last payment on XX/XX/2025 totaling {$1700.00}. upon request of this information last time I was sent re-printed out information that was sent to me back in XXXX and statements only leading up to the beginning of XXXX and nothing since which is when all of these other payments transpired, and we never applied.
Product: Debt collection

I discovered that my credit report had collection accounts as a result of identity theft. I have made several attempts to correct this issue with each collection agency. I have tried con tacting XXXX XXXX XXXX, AFNI, XXXX XXXX, and others about the illegal accounts but they ignored me. I made the attempt on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XX/XX/XXXX
Product: Credit card or prepaid card

Had my new replacement card expedited XX/XX/XXXX paid XXXX to have faster shipping. Advised at first by 3 reps card will not come bevause card and account suspended on that XXXX. Uploaded my id / social card / birth certificate/ selfie etc almost 35 times within a 8 hour timeframe. Walked to library to send docs and still locked this company is garbage
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won XXXX XXXX XXXX in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

This is your final warning. Please remove the following items listed on my fraud report & listed below. 

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 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 ( TransUnion, XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative StatusCollection account/Never late. {$590.00} past due as of XX/XX/XXXX. 
Account TypeEducation Balance {$590.00} Date OpenedXX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/XXXX. 
Account TypeEducation Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XX/XX/XXXX XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$95.00} written off. 
Account TypeSales Contract Balance {$0.00} Date OpenedXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES 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 or other personal consumer reports

I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Recently I paid off Comerica Bank line of credit. I have been requesting the lender to provide me complete itemized payoff calculation because I find I overpaid but lender is not responding at all. I have sent a written letter to comerica ; reached out to their quality assurance team over multiple phone calls still no luck. I have attached a pdf file that describes all gory details related to my dispute.
Product: Credit reporting or other personal consumer reports

Transunion has violated multiple Fair Credit Reporting Act laws! I the consumer have sent copies of the violation to the XXXX and the state attorney as well. I have attached what laws Transunion has violated causing I the consumer pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. 

XXXX XXXX : XXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures TO ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 USC 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: Checking or savings account

on XX/XX/XXXX th o ordered face product in which my checking was billed XXXX and the product never sent to me. i waited til XX/XX/24 to report product never received and expected my money back into my account as such - the money was never credit back from Ally. i called my bank im again to find out where my money is- i was transferred around by ally bank and never explained why my refund had not been processed- i was on hold XXXX minutes when i finally hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX, XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

PROBLEM WITH ONLINE CHASE, JP MORGAN It is now several months during which I have tried to transfer money from my Chase account ( which give me close to nothing as interest income ) to another of my XXXX banks. 

At XXXX time I was able to do a transfer online between accounts without any problem but now after every attempt my account has been blocked for suspicion of fraud. While I can appreciate this safety feature, I do not appreciate having to go from XXXX department to another and being asked the same safety questions again and again ( some questions relate to my life more than 30 year ago! ) and loosing my time for nothing. 

The XXXX of XXXX the XXXX XXXX. told me that my account was unblocked which was not the case when I later tried to connect, so again for the XXXX or maybe XXXX time no way to reconcile my account and of course, I was not able to do my wire transfer as suggested in an earlier call. 

Yesterday, being very upset, I waited XXXX minutes for the employee to come back on line but without success so eventually I hung up. 

I AM FEELING THAT MY MONEY IS TAKEN IN XXXX BY CHASE, JP MORGAN. 

Hoping you can help, yours sincerely,
Product: Student loan

I payed off my student loan to XXXX XXXX in 2014. I received confirmation from XXXX XXXX my loans were paid off. I now received a new set of payments from Navient 2 years afterwards that I still owe on interest. This is completely unfair and absurd to be receiving this bill 2 years after the fact.
Product: Checking or savings account

I received a letter from Citizens bank on XX/XX/year> stating that my account was to be closed on XX/XX/year>. Even though the letter was dated for XX/XX/year>. So on XX/XX/year> I called in and spoke with with not only a representative but supervisor who told me that had no information of why this happen but that my account was frozen. And that I can go into the actual bank on XX/XX/year> and should be able to take my money out and then officially close my account to basically cut all ties with the bank. So I go into the Citizens Bank in XXXX XXXX, Ct on XX/XX/year> to speak with someone to figure what exactly is going on and how I can just remove all my money and never look back. They took they time procrastinating on communicating with the fraud department. Never made not one phone call to speak with anyone. Then said there was nothing they could do but the could close my checking. And I would have to wait for a check to be mailed out. So I ask is there a way for me to contact the fraud department myself and was told call the number on the back of my debit card that the deactivated without my knowledge. And when ask if there was anymore information she could tell me she said this is not the first time this has happen and that the company does tell them anything. Yet the letter told me to pass all my questions and concerns to that branch. So I proceed to call the number that I was instructed to call to speak with a representative, supervisor or at least someone who can help. I get to a rep who leaves me on hold for about 15mins just to say she had no information since they don't tell them anything and I was going to have to wait for check. It started to become a trend that was what they are told to say in situations like this. So I asked to speak to a supervisor named XXXX who acted as if he was the only supervisor for the company. When I ask about information of why this was happening once again nobody tells them anything. Then he told me that the bank can close or freeze anyone 's account at anytime without notice. So when I asked to be transferred to the fraud the department he told that the fraud department was some back office department that does not speak to customers. That was the first time I ever heard of that. I told him that I was told I could speak to fraud from the women I spoke to in the bank and he said that she lied. And he couldn't transfer. So I ask is there another supervisor I speak with and he said no just him. So I asked for possibly speaking to a representative again and he said no. And basically brushed me off. The said part is I deposited my lawsuit from a car accident and was in therapy for over 6mths and still getting back to normal to this day. And that money was taking care of bills and my family. What right do they have to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, notified by the company Transunion that they have received my information and my dispute letter, but unfortunately, they could not investigate it since they think it was not properly authorized by me and they think it was by a credit repair company. 
I have been dealing with the same mf issue with that Bureau for a couple of months now and I am really starting to get XXXX tf off because my RIGHTS as a consumer are being played around with. How is it within my own rights to challenge anything I think is inaccurate but there is always an issue and then I get the letter with the same response? Please find a way to fix this and help me out for real. Thank you so much.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit card or prepaid card

CFPB reference number XXXX Have no option to use US Bank NATO Bill pay account from USA Treasury pay.gov with reference company ID There is also a reference DUNS Number for all my VISA Cards
Product: Debt collection

I am writing to file a formal complaint against P & B Capital Group. I recently requested a copy of my XXXX credit report and noticed I had a collection account placed by P & B Capital Group , LLC on. I dont have any knowledge of this alleged debt with this company. I have never spoken to any one about this alleged debt nor did I receive any letters in the mail about this alleged debt. This is a violation of my rights under the Fair Debt Collection Practices Act, 15 : USC 1692g Sec 809. I have a right to validate debt this company says I owe them and I do not get a chance to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV Compliance division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV Compliance told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and Transunion sent me back that they completed my request and the information was updated. I needed them removed so that it wo n't hender me with employment. Also, I disputed a credit collection for an XXXX bill that we did n't even receive until it was already turned into collection. We moved and did not receive the bill. We paid the bill in full as soon as the collection company showed up on my report but they did not remove it only updated that it was paid.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX notified me of suspecious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!
Product: Debt collection

There is no way that I owe XXXX XXXX XXXX XXXX XXXX {$650.00}. I have insurance and have been there so many times and they have never mentioned that I owe money. I have tried to dispute this debt so many times and they have yet to verify and validate that it is owed.
Product: Mortgage

XX/XX/2020 we put a contract in on a house and put ours up for sale XXXX XXXX  with V.I.P mortgage gave us an approval letter so we put our home on the market. We give XXXX the sellers net sheet so he knows what hes working with he looks at it and says we are good to go. A couple weeks go by stuff changes with the sellers net sheet. I call him to give him an update he acknowledges says we are good. Another week goes by and I try to contact him again XXXX will not respond to calls or texts from me my realtor or the sales agent for the new home. He will not give us any documentation as to what funds we need to close etc and we tried for weeks to get them with no response. I try calling the office and his assistant XXXX XXXX says my question needs to be answered by XXXX and to give him a call. Finally we get a response from XXXX saying that he does not want to take my loan because hes tired of the texts and calls.. if he wouldve responded to us we wouldnt have been calling him. I have a family to worry about I needed answers especially since our home was already sold and we got the run around from him. He then lies to his company and said I wanted to go with another lender and that was a lie. He also told us the appraisal was ordered but when I talked to the va they told me it was never ordered. Of course we were forced to go with another lender so now we are not on track to close and unfortunately I have to move out of my home for a week before I can even move into my new home