23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Greetings, To whom it may concern. 
In XX/XX/XXXX, I opened a business selling and installing water filters in XXXX XXXX XXXX. Despite having money saved, I wanted to start the business by building credit for the business using a loan or credit card. Even though loans were not very accessible, I saw offers for business credit cards with very attractive advantages such as XXXX INTEREST on purchases for an entire year. I applied in XX/XX/XXXX for an American Express credit card which was approved that same month. I did not have the need to use it until XX/XX/XXXX, to pay for products, accounting services, and payments to shipping companies, and purchases for the business. 
I had to enter my account information in XXXX for my first payment, and due to an error in my account name, that XXXX payment was returned. American Express sends me an email explaining the situation and I submit the payment with the help of a representative. It's all in the evidence attached right here. The payment was processed successfully. I continued using the credit card for purchases, and paying the card, however, this month, XXXX, I realized that they have been charging me interest since XXXX ( 29.99 % ). I didn't know because due to the configuration of my internet browser, I couldn't see those charges. I only saw their offers for promotions and some credit that I had paid and purchases, that part where it says interest charge and I didn't record seeing it. I use Brave as an internet browser. I asked before using the card if the XXXX interest was for a whole year on purchases, to be sure of its use, and they confirmed that it was. In XXXX, they asked me for a payment of XXXX dollars, because I had allegedly exceeded the payment limit with the card, I agreed to pay the amount of that payment {$940.00} dollars to have a healthy account. I made the payment in XX/XX/XXXX. In XXXX it turns out that as they explained to me, I never had the 0 % APR offer because it is an automated system that arbitrarily chooses the accounts, analyzes them, and demands payment of interest, without any explanation. I wrote to customer service to find out what was happening and they told me that they couldn't do anything and that I need to pay everything with 29.99 % interest. I looked for the papers they sent me with the rewards points documents and nowhere, can I see, what they are doing with my account. It seemed somewhat fraudulent and lying to me, and even more so when I personally wrote to them because I had questions about the balance transfer benefits if it was available, and they explained to me that I only had rewards and 0 % XXXX throughout the year. I have always paid the card and have also made other additional payments. Please make a report for bank fraud. Let me be obvious, I used the card the way they told me I could!! ( page XXXX ) I have attached all my conversations with AMERICAN EXPRESS. XXXX XXXX to last XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Product: Debt collection

Previously I had complained about Freedom Mortgage Corporation and the representative wrote back and summarized I am committing Mortgage Fraud, simply by making a compliant. I requested mortgage verification and Freedom Mortgage Corporation provided verification to a home loan for XXXX XXXX in New Jersey. For obvious reasons this can not be considered debt validation for my debt by Freedom Mortgage Corporation, however they also breached the information security of XXXX XXXX which has been reported to the proper authorities. Freedom mortgage has also failed to record the assignment documentation, required within 90 days of the transfer from XXXX XXXX XXXX to Freedom Mortgage Corporation. 

Freedom Mortgage Corporation, as well as XXXX XXXX XXXXXXXX. have failed to provide the following information : I am doing a post loan audit on XXXXXXXX XXXX. Previously I had asked another person and she referred me to the legal department, however I have sent multiple correspondence to legal and XXXXXXXX XXXX XXXX  with no luck on response. Please forward this email to the correct department that may be able to assist my audit. 

Please describe the process XXXXXXXX XXXX XXXXXXXX takes to ensure proper paperwork is provided to the borrower at closing? 

Describe how XXXX XXXX XXXX ensures the notary was present during the signing of the home loan closing documents? Is there evidence of this to be true for my loan closing? 

Describe why I, the applicant of this home loan, was not informed that based on my signature and endorsement of the security instrument ( note ) the funds would be immediately available to XXXX XXXX XXXX 

Please describe the security instrument transfer and why the beneficiary is XXXX however XXXXXXXX XXXX XXXX failed to register the loan with the beneficiary? 

Please provide the properly filed UCC-1 Financial Statement on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against I, the borrower. 

Please provide the financial statement which shows XXXXXXXX XXXX XXXX was indebted ( debit ) by the amount I paid for the property, upon my signature on the security instrument. 

Please provide the full chain of endorsements on the transfer of this security instrument from XXXX XXXX XXXX to Freedom Mortgage Corporation, current mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with each credit reporting agency since XX/XX/2021. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Negative Credit Report Marks in Light of Recent Data Breach Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate and unfair negative marks on my credit report with the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ). I believe these marks may be related to or exacerbated by the recent data breach that compromised consumer data, leaving individuals vulnerable to identity theft and fraudulent activity. 

Background Information Recent Breach Impact : The recent breach affecting the credit bureaus exposed sensitive personal and financial information, putting millions of consumers, including myself, at risk of fraudulent activity and identity theft. This breach has likely contributed to the negative items now appearing on my credit report. 

Unwarranted Negative Marks : Upon reviewing my credit reports, I discovered the following negative marks that I strongly believe to be inaccurate or the result of unauthorized activity : Any charge offs, collections and incorrect information such as addresses or phone numbers. 

Harm to Creditworthiness : These negative marks have adversely impacted my credit score and have caused significant financial harm, including [ e.g., " denial of credit, '' " higher interest rates, '' " denial of housing opportunities '' ]. 

Actions Taken I have taken the following steps in an attempt to address this matter : Filed Disputes with Credit Bureaus : I contacted XXXX, XXXX, and TransUnion to dispute these inaccurate entries and requested that they provide validation of the debts or negative marks. 

Requested Supporting Documentation : I requested documentation from the creditors to validate the reported debts, but the information provided was either incomplete or absent. 

Despite my efforts, these negative marks remain on my credit reports, and the credit bureaus have not adequately addressed my concerns. 

Desired Resolution In light of the above, I am requesting the following : That the CFPB investigate the credit bureaus ' handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). 

That all negative marks related to unauthorized or fraudulent activity be removed from my credit reports immediately. 

That the credit bureaus provide a detailed explanation of their investigation process and furnish complete documentation validating the disputed entries. 

That additional protections be put in place for consumers affected by the breach to prevent further harm and ensure fair treatment in the resolution of credit disputes. 


I trust that the CFPB will investigate this matter thoroughly and take the necessary steps to ensure that my rights under the Fair Credit Reporting Act are protected. Please do not hesitate to contact me if additional information is required. 

Thank you for your time and attention to this urgent matter. I look forward to your response. 

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

My XXXX XXXX account was opened in XXXX and payed as agreed and closed. Equifax is now reporting 2 late payments in XXXX and 2 late payments in XXXX. There has been no activity on this account since XXXX and was closed in XXXX. These late payments are false and should immediately be removed. Equifax noticed the discrepancy and assured me these late payments would be deleted. I called them back to check the status and they told me it was never removed. These false late payments are affecting me negatively and Equifax is reporting this misinformation still.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required

for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that XXXX immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes , including 570.223 regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that XXXX will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Synchrony Bank reduced my two retail credit cards line of credits that affected my whole credit usage and thereby reducing my overall credit score which my other creditors are looking as negative. I have a Synchrony Car Care card that I use for care repairs when needed. Since my car do not break down every month, I do not use the card. I had {$1800.00} credit list on the card, XX/XX/XXXX, I used the card for some emergency repairs on my car. Almost immediately after I used the card, my credit limit was reduced to {$900.00} which was about what I used on the card. As a result of this action my credit score and account credit usage went up and showed negative because it showed that I maxed out the card by using all my credit limit. I had never missed any payment on any of y account since 2017. My XXXX Credit Card for travel only and which I only travel when necessary was used in XXXX for {$350.00} airline ticket to visit my son 's wedding out of state. I had {$1500.00} line of credit on this card. Synchrony Bank again reduced my credit limit to exactly the amount used for the airline ticket. Again this affected my credit usage and my credit score. So I contacted Synchrony Bank and was told that the reason they reached my credit limit was because my Credit Usage changed and my credit scores no longer meet their requirement to allow me to keep the same credit limit. They cut my credit limit to minimum which affected my credit usage and my credit scores and then they pulled my credit after the fact to tell me that my credit score went down below their requirement. I started to research if anyone had the same problem with Synchrony Bank reducing their credit limits which affects their credit scores. Lots of people have many complaints on social media about this problem. My other creditors are now looking at my other accounts to see if I was having problem paying back on my account. Because of Synchrony action, my XXXX XXXX account with no limit was cut off and new limit set to my balance. When I contacted XXXX, they told me that my credit usage and credit score changes was the basis of their decision. Synchrony Bank is ruined my credit score and tarnish my record with XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a payment for concert tickets via XXXX, so that I could take my mom to a concert. The tickets were {$200.00}. I contacted XXXX and Wells Fargo, my bank, and both declined to help.

Im out {$200.00} and my mother never made it to the concert.

Im heartbroken and feel violated by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit card or prepaid card

I paid my bill in full to Comenity- Victoria Secret XXXX XXXX before the due date through my XXXX XXXX XXXX TD Bank. They didn't receive the payment. I received another bill from them in XXXX. I have not made any charges to this account since the XXXX time purchase in XXXX. I was directed to their website to upload proof of payment. I have done that. I gave documentation that the bill was paid to them and that they had it. Finally, I had my bank stop payment and reissue the payment since they couldn't figure it out. They have been charging me interest and late fees now totaling {$140.00} on a bill that was paid in full and on time. Please note that Comenity-Victoria Secret had an mailing address change. However, Comenity- J.Crew had the same change and I incurred no problem with having my payment debited. I requested my credit card closed and they have done that except they are still requiring payment for the {$140.00}. 
Comenity-Victoria Secret 's practices are predatory and fraudulent. I should not be penalized for their inability to find a payment that was made to them.
Product: Credit card or prepaid card

I am one of USAA 's victims. and was not included in the terms announced by CFPB and USAA on XX/XX/XXXX. On numeroud occasions, USAA denied me a reasonable error resolution investigation and which I continue to labor under even today. The harm USAA has caused is irreparable as they put on a huge facade as to how they labor on behalf of the veteran. This, in my opinion is nothing more than a marketing strategy and ruse. You can look at the national level of complaints against USAA and while I am glad CFPB sanctioned USAA, it was not enough. Furthermore, I am confident I am not the only one left out of the bone-jarring {$180.00} restitution payment. 


Consumer Financial Protection Bureau Settles with USAA Federal Savings Bank Bank Failed to Stop Payments or Resolve Errors, Must Pay {$12.00} XXXX in Restitution, {$3.00} XXXX Fine XX/XX/XXXX Washington, D.C. The Consumer Financial Protection Bureau ( Bureau ) today announced a settlement with USAA Federal Savings Bank, a federally chartered savings association headquartered in XXXX XXXX, Texas. 

As described in the consent order, the Bureau found that USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. USAA also violated the Consumer Financial Protection Act of 2010 by reopening deposit accounts consumers had previously closed without seeking prior authorization or providing adequate notice. 

Under the terms of the consent order, USAA must, among other provisions, provide approximately {$12.00} XXXX in restitution to certain consumers who were denied a reasonable error resolution investigation, and pay a {$3.00} XXXX civil money penalty. 

The consent order is available at : XXXX XXXX XXXX XXXX XXXX XXXX The Bureau of Consumer Financial Protection is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.
Product: Debt collection

i am getting a bill in the mail saying I owe for a XXXX XXXX for XXXX dollars. when i am XXXX and do not have any kids. I would like for this bill to not be under my name when i d not know where it is coming from and i dont know whos kid this is. please remove this as soon as possible. please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has to do more than inquires. My credit scored dropped 23 points for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER PERSONAL INFORMATION TO OPEN UP ACCOUNTS IN MY NAME FRAUDULENTLY. I HAVE ENCLOSED MY POLICE REPORT AND ID THEFT REPORT.
Product: Mortgage

I am very disappointed with DHI for selling my loan to XXXX XXXX XXXX. They offered me a low interest rate and then sold my loan to XXXX XXXX XXXX that has a bad reputation. Since XXXX transferred my loan, XXXX has only processed one of my payments. I have three payments that XXXX has not processed. I called to inform DHI on today, XX/XX/XXXX about my disappointment and asked if my loan could be transferred back to DHI but the rep I spoke with was very unprofessional and rude. I did not catch his name, but I made the phone call on XX/XX/XXXX, around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX-XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Collection account. {$2.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$460.00} writte FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - # # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX am not late on XX/XX/year>. Bank failed to update the address on file and sent the statement to the wrong address. Bank is aware of the issue and agreed to update to open/never late. Please specify the exact date which they're reporting late