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

XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to XXXX, XXXX and Equifax.
Product: Credit card

Synchrony Bank created this credit account thru PayPal Credit ostensibly a part of PayPal. The primary merchant was Home Shopping Network ( HSN ). HSN also has a credit facility with Synchrony Bank. I had a credit account with HSN but it hasnt been used in approximately 15 years. Every month Synchrony added charges to their credit account that I had paid cash for and deducted monthly payments from my checking account. I have a years worth of records from HSN and they show no use of PayPal credit or Synchrony bank or their own credit card. Synchrony also deducted monthly payments from my checking account for an HSN credit card even though HSN shows no use of that credit card either. I have filed a claim with my bank, XXXX XXXX, for the payments made thru ACH for these credit accounts. Once I can tell who received the money, I will forward it to you. My attempts to resolve this have literally made me sick. They sent me emails that were so secret they could only be opened on a desktop computer. They remain unopened. One respondent recommended that I contact the financial institution involved.
Product: Credit reporting or other personal consumer reports

I was listed in several major data breaches, compromising my personal information and making it susceptible to misuse. These breaches have resulted in the inclusion of numerous incorrect and unverified items on my credit reports, which vary inconsistently across the three major credit bureausXXXX, XXXX, and TransUnion. After obtaining my free credit reports, I discovered these discrepancies and initiated disputes with the companies reporting the negative items and the credit bureaus directly. 

Despite my efforts, the inaccuracies persist, causing significant harm to my credit standing and personal reputation. Despite my repeated efforts to correct multiple inaccuracies on my credit reports with all three credit bureaus, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. 

These breaches make any electronic records suspect, as digital signatures and documents could have been compromised or fraudulently created. 

Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), failure to provide this information invalidates the debt. Moreover, the inclusion of such unverifiable items on my credit reports violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reports be accurate and complete.
Product: Debt collection

I owe about XXXX in debt to the XXXX XXXX XXXX XXXX which is under the XXXX XXXX XXXX XXXX XXXX, they turn the debt over to Trans World Sytems Inc they are saying I have to pay them XXXX extra dollars on the debt because they turn it over to them, at a rate of XXXX Interest until I pay off the debt. They sent me a letter saying that if I don't satisfy this debt that they will began taking payments out of my Social Security benefit payments, I also told them that I could pay them XXXX a month on the debt, and they said it would take me 30 years to pay off the debt at 23.9 percent interest, they told me I would have to pay a minimum of XXXX a month for 36 months, I also called the XXXX XXXX XXXX and told them that I could pay on the card they gave me, but they said they turned the account over to collections and they would not be able to accept no payments from me on the card,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX  the first choice for insurance on a letter head for XX/XX/XXXX that stated a ADVERSE ACTION PREMIUM AFFECTED. I did not receive the letter until XX/XX/XXXX in the mail, I did not get a previous email or any documentation of this until today. I purchased this coverage through my Local Insurance Agent. I paid this policy in full on XX/XX/XXXX. XXXX cashed my check or my insurance agent cashed my check for the policy. No one has contacted me until today by mail notice letter that there is a Adverse Action Premium Affected Letter. Please see attachments. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today a representative of Carter Young ( XXXX ) representing a debt from XXXX XXXX XXXX XXXX called, and she was very rude. When I asked if I could get the bill she stated that the original debtor should have sent me the bill. I then asked if I could get a letter in regards to this debt, and she stated that a letter had already been mailed to an old address that I hadn't lived in at for 3 years. At that time she became rude, and I had to ask her to stay cordial over the phone, and allow me to provide her with my new address. After I gave her my address, I asked her for her name, and she hung up the phone. This is very unprofessional. I have the right to know who I am speaking to, and what is the exact information for the company that is contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested three separate times that Equifax, XXXX, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation
Product: Debt collection

Subject : Cease and Desist Unauthorized Collection Activities and Removal from Credit Report Dear SANTANDER CONSUMER USA, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that SANTANDER CONSUMER USA has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing SANTANDER CONSUMER USA from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with SANTANDER CONSUMER USA, and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to XXXXonsumer Information - SANTANDER CONSUMER USA accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by SANTANDER CONSUMER USA may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA. 

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. 

I demand that SANTANDER CONSUMER USA cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. 

I expect your prompt attention to this matter. 

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

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within two weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse.

I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( s ) at your earliest convenience. 


Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the denial of my identity theft claim by XXXX XXXX XXXX. I have submitted all the necessary supporting documentation to prove that the account in question was opened under fraudulent circumstances and without my consent. 

Despite providing clear evidence, XXXX XXXX XXXX has unjustly denied my claim, and this fraudulent account remains on my credit report. The presence of this account is causing significant harm to my financial standing and creditworthiness.I respectfully request that XXXX XXXX XXXX conduct a thorough re-investigation into this matter, review the supporting documentation, and delete the fraudulent account from my credit file immediately. 

Please assist me in ensuring that this matter is resolved promptly and that my rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute to XXXX, Equifax and XXXX - Verify and delete aged debt, XXXX & XXXXXXXX XXXX . The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : *XXXX- DELETED XXXX : XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with XXXX did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS EQUIFAX : ______ ** EQUIFAX UPDATED XXXX XXXX ** EQUIFAX DELETED XXXX Equifax I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like XXXX, Equifax to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.
Product: Credit reporting or other personal consumer reports

I HAVE SENT THIS INFORMATION TO INNOVIS OVER AND OVER AGAIN. THEY CONTINUE TO LIE AND SAY THEY NEVER RECEIVED IT.
Product: Checking or savings account

I'm no longer able to link my PNC bank account to any outside service or provider. I'm no longer able to transfer funds to investing accounts and pay certain bills.
Product: Mortgage

Recently received funding from a XXXX from Specialized Loan Servicing LLC. They are now owned by XXXX. Even though this is a line of credit, I was required to receive {$110000.00} at closing. I protested but was told I could immediately transfer it back and not be charged interest. After the closing, my account information was not shared for several days. I eventually managed to obtain my account information and sent the lender XXXX XXXX to reduce the balance of the account. That check was not cashed for over a week. 

I receive their first statement, the deposit of XXXX XXXX was reduced by {$1100.00} in interest. When I called the lender to dispute the charge, they indicated the interest charge was based upon a {$110000.00} balance rather than the current $ XXXX balance following my XXXX XXXX payment. 

When I asked for the interest charge to be based upon the XXXX XXXX  current balance, the customer service rep suddenly placed me on hold without saying anything first. After XXXX minutes, they hung up on me. 

The practice of maneuvering people like me into paying a large interest payment through delay and avoidance felt practiced when speaking to the customer service rep - something they commonly do it would appear. This can not be acceptable behavior for a lender, which is why I decided to involve your organization. I think they do this by design and avoid complaining customers in order to take their money. 


Thank you for your attention.
Product: Credit reporting or other personal consumer reports

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXXXXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and 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 mine, 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 am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing. 
Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date. 
Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau. 
Thank you for your assistance!
Product: Payday loan, title loan, personal loan, or advance loan

To Whom It May Concern, I am submitting a formal complaint against USAA Federal Savings Bank regarding their lack of transparency, misleading communication about my income, and refusal to disclose key financial data used to deny my loan application. 

Details of the Complaint : Loan Application Information : Lender : USAA Federal Savings Bank Loan Type : Unsecured Personal Loan Application Number : # XXXX Date of Denial : XX/XX/year> Denial Reasons Stated by USAA : 1. Excessive obligations in relation to income ( Debt-to-Income Ratio ).

2. Insufficient credit history. 

Key Issues with USAAs Handling of My Application : 1. USAA Refuses to Disclose My Debt-to-Income ( DTI ) Ratio USAA denied my loan based on my DTI ratio but refuses to tell me the percentage they calculated.

While their underwriting mo

del may be proprietary, my specific DTI figure is not. Despite multiple written and verbal requests, t
hey have declined to disclose the number used to deny me.

I request that the CFPB require USAA to disclose the exact DTI ratio used to deny my loan. 

2. USAA Misled Me About How My Income Would Be Considered USAA employee XXXX ( Employee ID : XXXX ) explicitly told me that my historical overtime would be included in my loan review. 
USAA later admitted that only my most recent paystubs were considered, meaning they evaluated my application based on an artificially lower income. 
This misleading information materially affected my ability to apply for credit. 

I request that USAA provide an explanation in writing regarding why I was misled about my income consideration. 

3. USAA Refuses to Explain Whether Medical Debt Factored Into My Denial The only negative item on my credit report is a disputed XXXXXXXX XXXX XXXX 
USAA has avoided answering whether medical debt played a role in my denial. 
If medical debt was weighted heavily in their decision, this could have a discriminatory impact on individuals with XXXX, violating the Equal Credit Opportunity Act ( ECOA ).

I request that USAA clarify whether medical debt was factored into their decision and how it was weighted. 

If USAA continues to refuse to provide transparency, I request that the CFPB investigate their lending practices for potential unfair and discriminatory practices. 

XXXX
Product: Debt collection

CREDIT MANAGEMENT , LP XXXX XXXX XXXX XXXX TX XXXX To : The Office of Registered Agent for CREDIT MANAGEMENT , LP From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX