23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. I was current on my mortgage at the time and it is not included in the bankruptcy trustee payment - I continue to send payments to my loan servicer. 

Pennymac XXXX, my loan servicer, added itself to my bankruptcy as a creditor for an arrearage of {$440.00} that was mistakenly paid to my previous FHA loan servicer, XXXX XXXX XXXX, and was supposed to be paid to Pennymac by XXXX. 

Pennymac began engaging in misuse of a suspense account for my mortgage in XX/XX/XXXX - prior to that time, once partial payments totaled a full payment, they were applied. I get paperless statements and their website was frequently nonoperational over the summer, so until I received a notice that my mortgage was over 45 days past due, I did not find out that Pennymac had stopped applying payments from suspense once the full amount was reached. I spoke with Pennymac to ask them to release the funds as they always had in the past. 

I calculated the amount needed to make up the shortfall to 2 full payments ( {$580.00} ) and paid that on XX/XX/XXXX, expecting to XXXX  out the suspense account once and for all. This payment did not show up on my account - in fact, I was not able to access my recent account activity or monthly statement for XX/XX/XXXX. 

When I called Pennymac, I was told they were switching systems and payments and statements were delayed. Customers received no notification of this. 

Imagine my consternation when I was finally able to access the statement on XX/XX/XXXX ( though Pennymac dated it XX/XX/XXXX ), and found that the suspense account still had funds in it ... minus the {$440.00} ( actually, {$440.00}, due to weird accounting practice of adding {$0.00} to the suspense account every so often ) that is due to Pennymac as part of my bankruptcy. This money was to come from the trustee, not from me directly, and certainly not from my suspense account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2.

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.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 : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-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 XXXX 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 mina, so I require you to send me all the documentation to prove that this information is accurate. 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted two different letters to the experian credit bureau one on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers so I know they were received but I have not received nor heard anything from experian. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with XXXX response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.
Product: Credit reporting or other personal consumer reports

I called Transunion to correct my concerns and it was stated that if this is identity theft related that I will have to submit a police report and then my concerns will be looked in. I have attached the requested police report.
Product: Debt collection

On XXXX of XXXX I was advised from LVNV Funding LLC also known as XXXX & XXXX, of a very old account in which was closed and no longer relevant. 

I had to create a new complaint cause in my previous complain statement ; I got confused, I thought they were talking about XXXX. But today I am totally 100 % that the account is a Credit Card for XXXX XXXX that LVNV Funding is claiming I owe. 

This account was opened on XX/XX/XXXX first of all in the State of Florida. 

According to the Statute of Limitation on Debt Collection practices for Open Ended Contract in the State of FL is 4 years since the last payment ( year XXXX ) to the Owner of the Account. This is no longer valid to collect, also they purposely altered the date on the credit as reported this XX/XX/XXXX, also said that the account was opened in XXXX. This is a lie and it's also illegal. I am going to make sure, this company gets what they deserve ; cause they were frivolous with bad intentions towards me. 

They keep claiming I owe that money in which I don't. A Sheriff from XXXX XXXX in which I live, my current State is Georgia. The XXXX came to my house with court papers on XX/XX/XXXX from this Collection Company. I disputed that, and that this account was in another state ; they have being persisting on my credit report after they sued me on XX/XX/XXXX. 

I am writing with a copy of the letter attached I've received from the XXXX XXXX XXXX XXXX XXXX Making this email short, LVNV Funding failed to appear in court on XXXX XXXX and the case was dismissed without prejudice by the court. So meaning LVNV Funding needs to erase the debt, remove the credit inquiry from the XXXX and also don't ever send letters about this account anymore. In that year we were also in the middle of the pandemic, economic hardship, and problems with everything around us. My brother also passed, and I had to invest in a lawyer service because of this company harassment and not being willing to cooperate. I have all the proof at my favor to show, I am only uploading 2 documents. Appreciate any help the CFPB can provide, and thank you. XXXX : I also notified the XXXX on that date too, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit
file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit card

Good Morning, I want to bring to your notice, that recently Synchrony has started levying a fee of XXXX $ if we opt for paper statement of account. 

We are XXXX XXXX  and we donot like to log in and remember our password, it is easier for us to see the charge on our paper statement of accounts and understand as well as identify those if those are not legit. 

You will appreciate as a customer this is our fundamental right to receive statement of account via paper statement of account if i donot want to have sent that via email or electronically. 

This type of bully behavior by these service provider should be taken seriously and they should be reprimanded for their actions like this. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My personal information has some how been compromised which has led to fraudulent accounts being listed on my credit report by the CRAs. This issue has been brought to my attention as of XXXX of 2025. Ive followed up by declaring identity theft. I would like these accounts completely removed from all three bureaus on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal address information is inaccurate and needs to be removed
Product: Credit reporting or other personal consumer reports

here is the letter I submitted to pennymac and still nothing has been corrected and inaccurate information is being reported. I demand the 30, 60, 90 day late payments are deleted to inaccurate reporting.

To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 

The Consumer Financial Protection Bureau ( CFPB ) has sued both Experian and XXXX for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 

Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that Experian and XXXX have routinely failed to comply with this obligation. 

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement. 

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence.

Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against Experian and XXXX for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report. 

If you can not verify this information with competent, legally admissible evidence, you are required by law to delete it under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 VIOLATION BY EXPERIAN, WHO IS CONTINUING TO FRAUDULENTLY VERIFY AND REPORT FRAUDULENT INFORMATION AGAINST THE CONSUMERS ACCOUNT. EXPERIAN HAS ENGAGED IN THE FRAUDULENT SALE AND TRANSFER OF CONSUMERS INFORMATION.
Product: Checking or savings account

In XXXX, during my employment with XXXX XXXX, I opened a checking account ( and very likely a savings account, but not exactly sure ) with USAA and within a very short time they misled me about various aspects of their banking services, which escalated into intense conflict, causing me to close out my checking/savings account ( s ). When closing them, at no time did the USAA representative ever disclose that wording in the membership contract I agreed to ( a veterans only bank ) allowed USAA to keep any of my personal information in their database, as a pretext to keeping my membership in their records. When I received an entirely unexpected email from USAA roughly 7-10 days ago, advising me that my Account Review was complete, I not only had no idea what an account review was-since I no longer had an account with USAA, but wanted to know how USAA got ahold of my personal information, when I understood they were required to purge my personal information from their database, when accounts are closed. When I finally got a manager in the fraud department on the phone ( after 26 attempts ), she advised me that yes, the accounts were closed, but covenants in the contract allow USAA to keep my personal information, as a portal to my membership, which they regard as current ; USAA insists they dont have to honor my privacy rights, because ( by insinuation ) my veterans membership is a lifetime membership. None of this was ever disclosed to me and I demanded they purge my personal information from their database, which USAA flatly refused to do, because of the covenants in the contract. They directly and indirectly insisted that they dont have to honor any members or previous members privacy rights with them insisting they dont care if I file this complaint with you! USAA also admits they dont care if keeping my personal information makes me dangerously vulnerable to the dark web and identity theft, which they admit Im vulnerable to, because of their reckless, unauthorized retention of my personal information! I demand USAA purge my personal information from their database and be fined for deceptive accounting practices, that include failure to fully disclose account closure practices by USAA that are not subject to privacy rights laws and banking industry standardsthat USAA seems to enjoy flaunting, for refusing to believe they will be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Debt collection

XXXX Receivables Performance XXXX. XXXX  XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX number Phone Service Contract ended XX/XX/2019 I switched to XXXX  in XXXX Paid the two months owed Returned the phone. 
They are say the second line was continued without Payment. 
For 1 month. But I have a receipt they started a new service 1 month before contract ended. 
Note : I was with XXXX for 16 years. No way I am not going to not know when my contract ends and not pay my bill if it is really owed. 
This is been passed around by debt collection companies as a bad debt on their behalf. This is the XXXX. And they posted it on my credit report. And score dropped from XXXX to below 650. With this one derogatory issue. I use less than 2 % of my credit line which $ XXXX apx. No way I want to mess up my credit. I simply do not owe this pittance. Research has shown XXXX generates fake bills historically after a customer leave. Its on the internet. Up sell you having their sales people meet quotas, dropped calls. Company is garbage The fact I ported my number two months before my contract ended with XXXX. 
Returned the phone in new condition. 
So again paid for two month service and my phone # was already with another company. And two months of XXXX charges and I didnt have service. Speaks a truth to the matter. The attached photos below is reciept accounting shows the line they say was in service with usage. Was also not in use. So someone is lying!
Product: Credit reporting or other personal consumer reports

I have a XXXX  ( public record ) reported on my credit reports from Experian, Equifax, and Transunion. I looked at my credit reports. I have took every measure with the courts to resolve this issue with no success. Per courts, they do not report these things to the credit bureaus. .According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please get them to remove ( XXXX XXXX ) .Also, Iam requesting them to remove immediately off my report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 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

Somebody used my personal information, i was victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and seek assistance regarding an ongoing issue related to my credit report as maintained by TransUnion and XXXX that was disputed for years and was not removed nor was it fully verified. 

I believe that both of these credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by knowingly inaccurately reporting disputed account information and failing to correct it. 

They lied and said it meet FCRA standards when tI XXXX XXXX confirmed that there is no account for me. I have been dealing with this issue for years and these reporting companies continue to report errors on my credit report also there are several other errors on my credit report they still will not delete knowing there are reporting errors. They refuse to delete it and they keep sending me credit card offers in the mail. 

I am seeking a XXXX fine against each company and would like your help. Please see attached proof that account is not mine.
Product: Debt collection

My credit was fraudulently used by XXXX XXXX XXXX  and syncB/value c was added twice and this is effecting my credit please take the time to look into it.