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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF EDXXXX XXXX Balance : {$1200.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXXXXXX 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

In accordance with the fair credit reporting act Ally Financial, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW
Product: Debt collection

Jefferson Capital is on my credit stating that I owe {$940.00} to XXXX. I have sent a letter for debt validation on XX/XX/year>. The company which is Jefferson Capital has not responded. Therefore If they hadnt responded in the XXXX  days to properly validate the debt or prove that I owe them any money and they should now cease and desist any further collection efforts and remove it immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting Act XXXX and 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting or other personal consumer reports

Transunion Dispute Resolution Department Subject : Request for Verification of Investigation Process For Deletion of Accounts Dear Person ( s ) & or Entities I am writing to request detailed information regarding the verification process used to investigate the accounts that I have previously requested for deletion from my credit report. Specifically, I am seeking proof of how the deletion request was handled, and whether the accounts in question were verified in compliance with the Fair Credit Reporting Act ( FCRA ). Documents For The 4 Inaccurate accounts that are in question for verification of investigation, are all uploaded to CFPB for Proof And Attached to this complaint. Dispute letter/Notarized, Photo copy ID And XXXX Response Letter is all included. In accordance with the FCRA, credit reporting agencies are required to ensure that any information reported is accurate and substantiated. Given that I requested the deletion of these accounts, I am entitled to know how each account was verified or investigated before it was either Verified or Deleted from my credit report. Therefore, I respectfully request the following information : 1. A detailed description of how each account was investigated and verified by your agency. 2. Copies of any documents or evidence used to substantiate the accuracy of the accounts and the decision to either delete or retain them. 3. The identity of the person ( s ) & or entity ( ies ) that verified the disputed accounts and any correspondence or communication received from these person ( s ) & or entities. 4. A statement confirming that your investigation into these accounts adhered to the timelines and processes required by the FCRA. As provided under the FCRA, I request that you provide a written response to this inquiry within 15 days from the date of this letter. If, after investigation, these accounts can not be verified or substantiated, I expect them to be removed from my credit report immediately, as requested. Thank you for your prompt attention to this matter. I look forward to receiving the requested verification details and a written response within the specified timeframe.
Product: Vehicle loan or lease

1 auto finance repossessed truck after I paid well over XXXX owed like XXXX truck could have easily sold for XXXX not to mention my personal property they refused to let me have there should have been a balance owed to me but they refuse to disclose what they sold truck for when it was supposed to be auctioned off I want my property and difference in the money it was worth
Product: Debt collection

On XX/XX/XXXX I checked my credit report and found the company diversified consultants on their as a debt I owed. I called the company and was told I had to pay the amount requested {$1300.00} or I will get sued. I explained to the guy XXXX that this debt did not belong to me. So on XX/XX/XXXX I mailed a certified letter to the company asking them to validate the debt and send me the signed contract and copy of my photo ID. They in return sent me a bill from XXXX. Which shows a address which never belonged to me. I have never lived in Utah. 
I called XXXX on XX/XX/XXXX trying to get information about this bill. They kept transferring me all over the place and then finally told me they could not give me any information without the account number and address on file which I did not have because it was not mine.
Product: Student loan

I have been automatically paying a campus-based loan through the company of XXXX. Today ( XX/XX/XXXX at XXXX ) I received an email from the company ( since I am enrolled in paperless mail ), stating that as of XX/XX/XXXX they will no longer be servicing my loan and that I should have received information from my lending school or new servicer with information about my debt. I have not received anything via mail and or email. 

When I tried to log-in to XXXX, they won't let me log-in anymore, the site says " service can not be reached at this time '' and when I call them they require me to enter my social security number and date of birth, after I do, a machine responds with " we can not access your account. '' I have paid the loan with autopay since XX/XX/XXXX, and every month {$490.00} is taken out of my personal financial account ( the last payment taken out was on XX/XX/XXXX ). I do not want to have any late fees- which is why I am  eager to find out where my debt has been transferred to and who is managing it. 

I have also contacted my school ( XXXX XXXX 's University- NY ) and have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian, XXXX and XXXX regarding a collection that I know is not my account ( XXXX XXXX XXXX XXXX XXXXXXXX ) Unfortunately, the credit bureaus return the dispute results as " confirmed and verified '' I have submitted proof that I was a victim of identity theft. When I was first contacted by the debt collector, I explained that they had the wrong person and that I never have had service provided by them ( XXXX XXXX XXXX Believing they would investigate did not hear from them until I ran my credit and saw the account on my credit profiles. Submitted disputes in XXXX, in XXXX, in XXXX and in XXXX and account remains on my credit profile. This account does not belong to me.
Product: Mortgage

Per complaint # XXXX, Amerihome Mortgage Company accepted responsibility to negligence on our account, and agreed to refund every month of overpayment on our account. 

The complaint was closed a month ago, and our account has not been reassessed for a corrected future payment. Our payment is the same as if we were still overdrawn in escrow ( they have refunded the incorrectly collected escrow fees ... but no change in our payment? ) We have not received a refund for overpayment. Our account has not been reassessed for future payments. I do not believe that Amerihome plans to correct this issue, as promised. I believe that they plan to ignore the decision agreed upon in the closed complaint referenced above.

Additionally, Amerihome has now tacked on a phantom charge onto my account. When accessed through an online portal, we are shown to owe no late fees, and to be current. The physically mailed bill contains a {$120.00} " fee '' that is now considered late ( please see attached photos ). Customer service agents are unable to explain the discrepancy, or where the fee came from/when it was applied. I am worried this will hit my credit, as it is not listed on my online bill ( how my monthly bill is auto-paid ) and therefore is considered " late '' on one bill but not another? The fee does no exist across all of their platforms, and is impossible to tell if it is legitimate. 

This company is acting in extreme bad faith to their consumers. 

I have : *A : not been paid back the amount that the overcharged me, as promised. 
*B : Not had my bill reassessed to reflect the correct amount I should be paying. 
*C : Now been charged on one billing mechanism ( but not another )? for a random fee that no one can explain to me. 

Please help.
Product: Checking or savings account

The bank closed all of my accounts ( 2 checking and 1 savings account and 2 credit cards ) for no reason whatsoever. No one can tell me why. I had just received the bonus offer on one of my cards which I lost, and my husband who was in one of the accounts got his account closed as well. There have been no overdrafts, excess transfers, no suspicious activity except the fact that I sold a property which I had owned for 5 years to help with medical costs for my father who was just recently diagnosed with XXXX and has no medical insurance. I transferred them the money directly from bank to bank to XXXX. I made sure to go into the XXXX XXXX XXXX, had my XXXX  Passport and XXXX  License and the closing papers for the lot I sold. I Provided all documentation to verify it was a legal and valid transfer and XXXX weeks later all my accounts are closed. I am in my right to know the reason so I can provide the necessary documentation to avoid them falsely and under assumptions to just close accounts I've had for so many years and destroying my credit score in the process. I understand its their right to not want to reopen them or to close them but its also my right to clarify and provide the documentation to backup the transfer I made and avoid them blacklisting me or my husband from ever opening an account with them or any other banking institution. I tried contacting the fraud department at bank of america, account closing department and my local branch and no one can give me any information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at XXXX  school. Someone opened a card with a XXXX line of credit when I was just a XXXX. I disputed it 100 times and no one wants to help me
Product: Money transfer, virtual currency, or money service

This was my first time doing business on XXXX, and I was a beginner, so I sold a few items at a lower price. Later, due to family reasons, I stopped selling on XXXX. My money has been in Paypal, but I don't know why Paypal stole my money XX/XX/2019 PayPal - negative {$6500.00} XX/XX/XXXX Transfer P PayPal - negative {$6500.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$6500.00} Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Student loan

Mohela has changed rules, sent various statements, changed the amount of those statements and did not apply a huge payment toward my account for the upcoming/current charges owed.
Product: Credit reporting

There are XXXX liens showing up with XXXX which only list XXXX Release of tax lien XXXX {$23000.00} and TransUnion XXXX same {$23000.00} different doc numbers and TransUnion also list XXXX $ XXXXThese were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
Product: Checking or savings account

Hello, I have XXXX disputed transactions that are still being investigated by Wells Fargo since XX/XX/year>. Furthermore, I did not authorize the transactions because no service or functional product was received by the vendors. Moreover, the bank has not credited the account for these XXXX transactions, and denied to credit a fourth disputed transaction. Also, the vendors from these XXXX companies provided no service, bad service, and/or bad products that did not work as advertised. Lastly, Wells Fargo has been denying service based on my XXXX because no updates were received in the message center, and I am unable to make contact by phone.
Product: Credit card or prepaid card

XX/XX/2023 I contacted XXXXXXXX XXXX XXXX about unauthorized charges on my XXXX card on my XXXX statement. I have attached a copy of the correspondence. 

My XXXX statement arrived with a credit for one of the charges and fees associated with that charge. The remaining charges disputed have not been acknowledged and remain as a balance due. Attached is their correspondence addressing one charge. 

XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. 

XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. 

I have just received my latest statement that has a balance due with the unauthorized charges as well as late fees. 

I have been notified that this has now shown up on my credit report. I want these charges addressed and removed immediately. We are at the 4 month mark, which is well over the required time to address and resolve. 

I would like to know what my legal rights here are for charges against Comenity Bank as well as inquire on their PCI compliance since this card is still in my possession
Product: Debt collection

i have been paying this company  XXXX   XXXX   XXXX  for the past few years. I have n't received any updated bills or receipts regarding this medical bill. I would like bills regarding this issue so that  I may match it with my records to ensure I am paying the correct bills an d the correct amount. In the past few years I have received  XXXX  different bills from this company and have enclosed information showing where they have been paid monthly and the original bill dates and the amount still owed.
Product: Mortgage

I, XXXX XXXX, a XXXX is working with XXXX and XXXX XXXX in requesting a loan modification for their second mortgage with CitMortgage. The homeowners had been in touch with CitiMortgage prior to my involvement and had received an email from a representative of CitiMortgage, XXXX XXXX by email with a list of documents needed to be submitted. These forms were completed by me, then reviewed and signed by the borrowers. They were submitted by email to XXXX on XXXX XXXX, 2016. I followed by with XXXX on two occasions by phone both times she informed me that she was too busy to speak with me but would call back that day. She returned one phone call at XXXX but did n't leave any message. I finally schedule a phone appt. with her today at XXXX. She called and at that time began to look at the package that was submitted to her 8 days prior. It took her no less than 15 minutes while I was on hold to review the documents. Everything she had put on the list to the XXXX had been provided. The only thing she could find to change was she wanted me to remove my name and contact information from the hardship affidavit. After working with lenders and servicers for the last 7+ years, I have never had one ask for me to remove my contact information on the hardship affidavit. I asked her to submit to underwriting to see if they needed and if necessary I would be happy to provide a new form ( signed by the borrowers ). It 's been a long haul helping homeowners in foreclosure and these type of tactics to delay and not process applications needs to stop. We are only asking that CitiMortgage review the documents and see if they would qualify for a loan modification so that they do n't loose their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since filing bankruptcy in XXXX I have tried to keep my credit reports free and clear of any bad SCORES. I have been able to keep my SCORE in the six hundreds and have been working really hard to get my SCORES to XXXX and above. Between years XXXX til now XXXX my SCORES have not changed much and I truly believe it's prejudice. 
After filing Bankruptcy I immediately applied for a 'secured credit card ' with my Credit Union , to boost my credit SCORES ..since, I have recently paid-off, with a credit balance of {$800.00}. I also have a credit card with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) that I have not used since XXXX, after paying the bill-off. Yes, there were late payments during the time of use, that would or could lower my scores. My point is I'm still getting DECREASES on my report for accounts that aren't being used anymore. My SCORES has been between 664-669 for the past two years and when I get a DECREASE, my score drops significantly. Today I checked my scores, ( because I get notices from EXPERIAN that my scores have either increased or decrease ), it was XXXX today then I clicked on the score for further information, ( because I couldn't believe my score had gotten to XXXX ), my score changed back to XXXX, dropping to 23 points, with not explaination other than previous late payments from two ( 2 ) years ago. 
I hate bringing racism into this, but I believe credit reporting companies ( Experian, XXXX and XXXX ) desecrate different ethnicity buy keeping their 'credit SCORES low and not being able to gain crediblity in the community. It makes not sense to me that my SCORES have been at a stand-still two ( 2 ) or more years. Please FIX this problem with the 'credit reporting companies '.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 TransUnion
Product: Money transfer, virtual currency, or money service

I have a complain against Paxful, Inc XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX DE XXXX They looked my account without a reason and I logged in with my email and password and I can log in so I contact them and ask me to change the password so I did and hey asked for my ip address and I did send the info now they asking for the transaction amount and date and I explain to them that the last transaction I did was 5 years ago and they not want to unlock my account so I searched online if I'm the only one. I'm not the only one have problems with this company so I decided to be one more to complain against Paxful, Inc XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX, XXXX DE XXXX
Product: Debt collection

XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection. 
XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled. 
Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID. 
I want this removed from collections and I want southwest to delete it from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX