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

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the XXXX holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Product: Credit reporting or other personal consumer reports

back in XXXX  in XXXX two companies called my house one was XXXX wich I doid not accept the offer how did they get my number I do not know the other one was XXXX and I told the person on the cell phone not to bother anymore recive four more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the nard drive my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a small loan for the flower shop business when the loan company XXXX XXXX  informed me of two passive accounts XXXX  and XXXX XXXX  called the companies no response called and a machine answered I am asking help
Product: Payday loan, title loan, or personal loan

My case is part of the Wells Fargo auto insurance & repossing XXXX. My vehicle was repossed illegally. I chose not to pay the extra fees & my vehicle was sold. My vehicle was repossed in XXXX of XXXX. I have been unable to get another vehicle until very recently due to XXXX XXXXump sum payout. I believe I'm entitled to more than {$270.00}. I informed Wells Fargo that. They seem to believe the amount is sufficient. I would like your help to determine if I should get more under their remediation program before cashing the cashier 's check. My name is XXXX XXXX the account I'm referring to ends with the last four digits XXXX. I can be reached at XXXX XXXX XXXX XXXX XXXX also at XXXX XXXX XXXX XXXX as well as XXXX.
Product: Mortgage

I asked for a modification on my mortgage and they refused. they submitting for a sale of my hoouse. I do not want to be homeless. I am XXXX yrs old. if they make this modification i can try to pay on time now that I am back to work.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the fraudulent tradeline reported under my name by NATIONSTAR MORTGAGE, which falsely indicated that I was Not more than XXXX payments past due ( XXXX ) on an account I never had. This item was disputed pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ) and XXXX XXXX Compliance standards. 

I acknowledge that this false tradeline was removed from my Equifax report within XXXX ( XXXX ) days, which I take as an admission that the information was inaccurate, unverifiable, or misattributed to me. 

However, because this tradeline damaged my credit and was completely unauthorized : I now formally request written confirmation from Equifax that the account has been permanently deleted and will not reappear in any future updates. 
I also expect Nationstar Mortgage to confirm that no such account exists under my name or Social Security number, and that no future reporting will occur. 
If either party fails to provide this confirmation, I will proceed to file a formal complaint with the FTC and CFPB to preserve my consumer protection rights under FCRA 1681n and 1681o.

This matter is not closed until I receive the required written confirmation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage will NOT provide my 1098 interest forms for Federal Tax purposes past last year ( was only given the XXXX form ). My mortgage is no longer with PHH Mortgage & consequently I no longer have access to my online account to view my XXXX through XXXX 1098 Forms ( which is where I safely kept those forms - online ). 
My inquiry/request for past 1098 Forms on XX/XX/XXXX only yielded the XXXX Form. I am requesting 1098 Forms for XXXX through XXXX. Certainly they have access/records of these forms for tax auditing purposes & for previous customers.
Product: Credit card

I purchased XXXX custom made wedding gowns from an online retailer, this retailer not only did not make the gowns to the date promised they made them in the wrong size ( making it impossible for me to wear to my wedding but also lied to my bank so that I would lose my claim. I provided over XXXX pages of proof to my bank was still denied. I bought the XXXX gowns months apart but never saw them because they were being custom made. I paid with XXXX different cards and XXXX of them already sided with me because it is so obvious that the company is fraud. Bank of America however sided with me first then changed their mine.
Product: Credit reporting or other personal consumer reports

i am a victim oh XXXX XXXX  and i have supplied and furnished the cfpb and XXXX and experian with the supporting documents needed to block the information thats in result of XXXX XXXX 605c.
Product: Money transfer, virtual currency, or money service

Enter the complete name, address and phone number of the business your complaint is against : Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX United States XXXX What is the name of the person that you dealt with : I have contacted customer care twice with no response. 


Describe your complaint and the events in the order they happened, including specific dates and the activities or practices to which you object. 



1. I purchased XXXX dollars worth of crypto currency. 

2. I created a transfer request of said currency to another of my accounts. 

3. Transfer was updated to complete within a few minutes but was never actually processed. 

4. This same transfer is now 2 weeks old and still does not show up as actually processed. 


What do you think would be a fair resolution to this matter? 



Considering the volatility of the market and ability for me to invest said XXXX dollars, I can only say a fair resolution is becoming hard to calculate. Originally returning my XXXX would have been more than sufficient but after a week I missed a trade interest with a 15 % return. At that point I was satisfied with XXXX. However now another week has passed and a second interest trade has increased exponentially causing me to miss a 100 % + return. Considering the companies ability to take your money in seconds but requiring two weeks to never respond, I feel it only fair they recover me {$200.00} for the missed trades and time. 


Attach any appropriate files to support your case to this e-mail message before sending. 


1. Gemini 's portfolio claiming the trade being sent as well as the initial XXXX dollar investment. 


2. A screenshot from my other trading app from this last few days showing my second major trade interest at a positive 115 %. Mind you an hour earlier this same day the amount was at 150 % though I have no screenshot to provide proof. 


Consent to Release Information - The information provided may be used in efforts to resolve my problem and may be shared with the party complained against. The Department may seek additional information from businesses and I authorize the disclosure of applicable documents to the Department, including those protected by laws such as HIPAA. I understand any information may be subject to open records laws.
Product: Mortgage

XXXX loancare contacted 5 times for request to provide information regarding what mortgage assistance program I was enrolled in during the following time frame { XX/XX/XXXX through XX/XX/XXXX. 
XXXX Loancare has only been able to provide information for forebarance and partial claim information in prior to dates listed and after. I am requesting records for what type of assistance I was receiving { ex. hardship, forebarance, covid 19 disaster, natural disaster, ect. } each month, for the time frame provided { XXXX }. 

Loancare has been unable to provide this information for all of the months being reported on my record as late and I have attempted to receive my payment assistance record by phone, through webpage records request. I was told per several representatives, this intormation, for XXXX is unable to be obtained or is unable to be accessed. 

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

Basically, when I looked at my credit report, I found misspellings of my own name and other mistakes with my personal information. name, incorrect, unidentified past addresses, and a few difficult non-accounting queries that I'm not really sure about unsure of how to mix such a file and how it got here. I have a serious problem ; could you kindly take care of it? As All others, as far as I'm aware from reading the FTC and FCRA statutes and regulations, are false and/or I need old information removed from my credit report right away because it isn't reportable under the FCRA, as they are not precise. 

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

Ive sent a dispute to XXXX and transunion on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.
Product: Checking or savings account

I am and international account holder from the XXXX who held the account with BBVA for over 7 years absolutely zero issues until the BBVA compass / PNC bank merger that took place on the XXXX to XXXX XX/XX/2021. 

I have not able to log into my account using the details PNC provided for nearly a month now since this merger. 

My complaint ref with PNC is XXXX During the last month I have spent numerous hours with PNC on the phone and sent emails and I still haven no resolution. 

After my initial call to customer services my complaint was given a number ( listed above ) and I had contact with a lady called XXXX on the XXXX and then the XXXX XXXX via the phone and this email ( XXXX ) She couldn't resolve and said she would escalate the problem. 
I then had contact from XXXX XXXX ( XXXX - Title = VP Executive Client Relations ) on the XXXX XXXX a few times via the phone and email taking more details. 

Again she couldn't resolve so passed the case on to another colleague XXXX XXXX ( XXXX - Title Executive Client Relations ) who I spoke to a few times from the XXXX onwards trying to resolve via the phone. I was promised a call back on the XXXX, that didn't happen so I emailed XXXX on the XXXX and he called me back to apologise, once again he tried to resolve after he had done some maintenance work on the account. XXXX then suggested he would have to pass it over to the team dealing with the BBVA compass / PNC merger issues. I immediately said this should have been done from the start and not 2 weeks into my complaint. 
I was promised an update on Monday XXXX XXXX, that never happen. 
I left it till the XXXX and then emailed XXXX again as for an update, I had no call or email reply to that email. 
On the XXXX I tried to call 3 times and left him 2 voice mail messages asking for an urgent update and a call back with progress. No reply yet again on either email or phone. 
I have called twice today on the XXXX XXXX and left another voice mail asking for an urgent update stating I am filling in this complaint and also emailing the CEO of PNC bank about the shocking situation i am in. 

Copies of all my emails attached in EML format. 

I have in excess of $ XXXXk in this account after just selling a property and need urgent access. 

If youre not already aware this merger is a total shambles doing research online, their customer service is overrun with thousands of complaints varying for no access, cards not working, accounts disappeared, business customers not able to make payments. 

Its a total and utter mess. 

Please intervene and help me regain access to my account. 

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

had two credit card accounts opened without my knowledge and both charged them up. i contacted the company and the credit bureaus and they keep asking for more information. I am now starting this complaint process
Product: Credit card

In XXXX 2015 I opened a credit card account through XXXX XXXX with Synchrony Financial. I immediately charged {$3000.00}. XXXX XXXX has continued to place charges on my account without my knowledge and Synchrony Bank is accepting these charges that put my account OVER and above the credit limit I was approved for. This has happened more than 2 times and the last was for a charge of {$2200.00} of which I had no idea about until I got the credit card statement in the mail. Separately I have contacted XXXX XXXX regarding the validity of this charge ( and replacement for a defective furniture received ). I can not understand why Synchrony would approve these charges that are over and above my approved credit limit ( which is {$9700.00} ). When I called Synchrony to report the unauthorized / fraudulent charge of {$2200.00} I asked to speak to a Supervisor. She was extremely rude and said " we can not control fraudulent charges made on a credit card ''. She refused to acknowledge that they could say NO when a charge is over and above the approved credit limit. I immediately requested my account be closed to further charges. They have since transferred that outstanding balance to a new account # and provided me with a new card ( for the new account of which I have no intention of activating ). My concern is that this amount that exceeds my credit limit is reported to the credit bureaus and will bring my credit scores down significantly since XXXX % of your sores is the ratio between your balance versus the limit. I do n't feel they are taking this issue seriously and while I have filed a fraudulent complaint regarding the {$2200.00} I am very concerned with their practices which allows XXXX XXXX to charge anything they want to a consumer credit card with no protection or consideration to consumers best interest.
Product: Credit card or prepaid card

XXXX XXXXXXXX Bank On XX/XX/2022 have been charged me Interest and late fees all the way up too XX/XX/2022 for XXXX dollar for No Transaction have not been done since XX/XX/2022 was my last purchase And my account is paid in full.. I haven't used my over XXXX months and I received a bill of XXXX dollars for None purchase, I was charge for not using my. Card every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

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

Dear CFPB Team, I am writing to follow up on my complaint against XXXX regarding their inadequate handling of my identity theft claims. Despite providing extensive documentation, including the FTC Identity Theft Report, XXXX has failed to acknowledge this evidence, resulting in ongoing inaccuracies on my credit report and significant emotional distress during a difficult period in my life. 

Key Issues : 1. Failure to Acknowledge Submitted Documentation : I have uploaded the FTC Identity Theft Report multiple times as proof of my identity. This report is a sworn statement and meets the requirements under the Fair Credit Reporting Act ( FCRA ) for blocking information related to identity theft. XXXX has dismissed this report as an online document, failing to recognize its validity and importance in addressing my claims. 



2. Legal Obligations Under the FCRA : The assertion that a police report is necessary for validating my claims is incorrect. The FTC report does not require additional validation through a law enforcement agency, and insisting on such documentation places an undue burden on me. Filing false information with law enforcement can result in criminal penalties ; however, I have complied with the law by submitting the FTC report. The law clearly supersedes any internal policies set by XXXX. 



3. Harassment and Emotional Distress : The ongoing demands for documentation that I have already submitted constitute harassment. I am unwilling to send multiple copies of the same records when XXXX has not acknowledged their receipt or processing. This situation has caused me significant emotional distress, particularly given my ongoing health challenges.
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 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regularly check my credit report through a service called XXXX XXXX and it shows that I have a derogatory mark on Equifax 's report. 

I do not recognize the original creditor name, XXXX XXXX XXXX XXXX XXXX, and did not purchase or use any of their services described on their website. Also, neither the original creditor or the collection company, XXXX XXXX XXXX XXXX XXXX, have contacted me nor provided evidence that their reporting is valid. 

I disputed this derogatory mark using Equifax 's online dispute system on XX/XX/2019, and their response on XX/XX/2019, says that the information on my credit report is verified. However, Equifax did not provide any evidence that the collection company 's claim is valid.
Product: Credit reporting or other personal consumer reports

I am following up on my previously disputed accounts, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Once again, I am requesting that you provide the source of this information and a detailed explanation of the methods used to verify its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

I deposited a check for {$24000.00} at the ATM of the PNC Branch at XXXX XXXX XXXX, XXXX XXXX PA on the morning of XX/XX/XXXX. The ATM gave an error that it could not complete the transaction, but did not return the check. I spoke to the branch office 's Branch Sales associate XXXX XXXX and Branch Manager XXXX XXXX, who said there was nothing they could do and stated it was the ATM vendor 's problem.