23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX all are store cards that I applied for and then Got approved for credit limits online. I 've used XXXX inside the store aswell as XXXX XXXX XXXX XXXX. One day ( I ca n't remember ) as I was online shopping for stuff with my wife. I could n't check out using The XXXX card. So I called and the number directed me to commenity Bank. The commenity Bank represnative told me that they needed some additional verification from me in order to unblocked the account. They need a copy of my drivers license front and back, social security card front and back and bank statement front and back. I 've sent them copy of all the required documents that they asked for. So after 1 week has passed by, I decided to give commenity Bank a call to check on those documents. They said they have them and they are being reviewed. About 2 hours later, I received a Alert from XXXX ( Which was the same day on XX/XX/XXXX ) saying that Commenity bank pulled my credit report. So I them called commenity Bank and asked them what 's that all About. They said that My accounts were closing. So I said for what?? The represenative said for fraud?? I said for fraud, That 's impossible. I just got these cards and all I 'm trying to do is build my credit up. She said hold on I 'm gon na transfer u to a supervisor. I speak to a supervisor and she said that My accounts are closing because my documents did n't pass the verification..I said how is that possible?? When I sent everything that u asked for that was valid. ( XXXX STATEMENT, DRIVERS LICENSE AND SOCIAL SECURITY CARD ALL OF WHICH WERE FROM AND BACK ). She was very rude and disrespectful during the conversation. So today, which is XX/XX/XXXX, I  received a letter from commenity Bank for a entire different reason for closing my accounts. The letter said that they closed the accounts for security concerns..How is that possible and why would they even close my accounts to begin with. I have a fraud alert on all my credit files which states that any creditor is directed to contact me if anyone is trying to get cards or loans in my name and I seen when they pulled my credit report..They did wrong and foul for no apparent reason at all and I know it 's discrimination. They had no reason to close any of my accounts..They have hurt my credit score so bad with this move that they did.
Product: Money transfer, virtual currency, or money service

I need assistance in trying to reclaim my funds that were sent to a scammer using XXXX. I sent a total of XXXX to a scammer who claimed they could double my money if I sent it to them through crypto. I was unaware it was a scam until it was too late.Please find the individual transaction and their history in attachments. 

scammer website snapshot is provided as an attachment.
Product: Mortgage

PHH Mortgage owned by Ocwen Financial is hindering visibility and my ability to perform online banking. 
I am able to log on to access my online profile, but I am barred from accessing payments and detail account information for the past year. Each time I submit a complaint, I am told they see no issues on their end. Below are Main URL : XXXX : XXXX After logon URL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXManageAccountSSO Button URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Page Response : Sorry, something happened. 
Please try again at a later time. 

ID : XXXX ErrorCode : XXXX Fri XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX XX/XX/2017 XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

In XXXX of 2022, I filed a fraud claim on my checking account for a scam that I was a victim of involving a Navy Federal Member who was portrayed to be a XXXX who runs a debt consolidation program. During our phone conversations and instructions on XXXX messenger, I was told to make payments using their business bank account to pay off my XXXX XXXXXXXX XXXX  credit card. The account that I was told to transfer the money from was from XXXX XXXX and I made 4 larger transfers to pay off the card but in return had to pay a service fee for this service of {$6000.00} to the business owner XXXX XXXX. Well, I also paid XXXX XXXX XXXX XXXX and XXXX XXXX using member-to-member transfers. I filed a claim with Navy Federal stating all of this and they gave me a provisional credit for {$6000.00}, well a month later they reversed that credit and made my account negative. Now they are harassing me daily about the overdrawn account in which I did not do but I am supposed to pay for it. The account is due to go into collections soon which would do more harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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. 
Fraudulent/Negative Accounts : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$7400.00} Account Name : XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Home Depot is reporting a late for XX/XX/20 and XX/XX/20 and I ask that they be removed. Due to Covid and the unforeseen events surrounding what would happen to my workplace I have been severely financially impacted. I have been a loyal customer and ask that they please remove these late notations from my credit file. I have done my best to try and stay current and be a good customer, but I have necessities that I had to pay. I ask that Citibank makes a goodwill adjustment for these lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My Equifax account. 

I filed a dispute with Equifax initially in XX/XX/2020. When I. noticed the XXXX XXXX remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of XXXX XXXX still remains on my report even without any documentation and changing dates for the start of the account. XXXX and XXXX have both remove the erroneous report, but Equifax will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs Apple Card are still showing my account as open on all 3 credit reports. XXXX XXXX, XXXX, and XXXX. Apple Card are aware that I am in bankruptcy, and yet still have not closed my accounts on these credit bureaus. They also mentioned something about a charge off, which is extremely harmful to my credit score, and thats illegal to create while I am in bankruptcy as well. I have been in bankruptcy since XX/XX/XXXX, my lawyer sent a letter to Goldman Sachs/Apple XXXX back oXXXX XX/XX/XXXX. This is illegal after filing bankruptcy.
Product: Debt collection

I have dispute all three bureau 's about portfolio debt collector. It was deleted then put back on my credit i ask to validate this debt with signature proving this debt is mines they have not show any proof of that.
Product: Vehicle loan or lease

Santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i have gotten a car loan from them on XX/XX/XXXX and still paying on this loan as of this day. i had one previous problem in my family where my husband had lost his job back in XX/XX/XXXX i explain this to them how ever they didn't care and still until this day still don't care about any one. ever sense then we haven't miss another payment after my husband got a good job so i kindly ask them to please remove those late payment from of our credit report. because we are in the process of buying a house. and its affecting us, unfortunately the answer was no. 
it should be illegal for a company like Santander to do this to there will paying clients it was a verse time in our life and they took advantage of the situation, i don't remember how many time we were late but on some the credit reports they are reporting 5 time and others 6
Product: Credit reporting or other personal consumer reports

This is my fifth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XX/XX/XXXXXXXX Balance Owed XXXX {$12000.00} ; XX/XX/XXXXXXXX Balance Owed : {$0.00} ;XX/XX/XXXX XXXX Balance Owed : {$2700.00} XXXX XX/XX/XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XX/XX/XXXX XXXX Balance Owed : {$12000.00} ;XX/XX/XXXXXXXX Balance Owed : {$2700.00} ;XX/XX/XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ;XX/XX/XXXX
Product: Credit card

For my JP Morgan Chase United Credit card, I was offered an option to set up a payment plan ( My Chase Plan ) on one of my charges at XXXX percent interest for 24 months. The plan was started on XX/XX/XXXX for an original principal of {$7300.00} for XXXX XXXX ( XXXX for my dog ). It was to include 24 payments at XXXX. 

With the Payment Plan, the company allows you to pay the monthly payment plan amount ( XXXX ) plus any additional " new '' charges so you don't incur any interest. I pay my credit card every month to avoid interest charges. 

On XX/XX/XXXX, my travel agency charged an airline ticket in the amount of {$10000.00} for a work-related airline ticket. The cost of the ticket had exceeded my credit limit on my work credit card. But on that same day, XX/XX/XXXX, the travel agency cancelled the ticket ( and I was credited {$10000.00} ) as they found something cheaper. I was then able to use my work credit card for the final ticket. 

Chase Card then took the a portion of the {$10000.00} credit and applied it to My Chase Plan which again was " XXXX '' interest. In essence they wiped out the payment plan which I had 2 years to pay at XXXX interest instead of applying the credit to cancel the original charge. And now when my statement closes on XX/XX/XXXX, I will have to pay {$9600.00} or else pay interest. The " credit '' I received should apply to the actual charge, not the payment plan. Basically they inticed me with XXXX percent interest, and had I known they would have done that I would have used a different card. The " My Chase Plan '' is misleading consumers should they be able to unilaterally apply credits to the " Chase Plan '' as opposed to the actual charge the credit is intended to offset. I asked them if I could set up the {$10000.00} charge on a payment plan with XXXX percent interest for which they said no since I don't owe that much on my card. This will now force me to transfer the balance to another credit card and incur a 5 % fee ( but that is only if that bank allows me to do so ).
Product: Credit reporting or other personal consumer reports

Westlake Portfolio Management had my account from Byte  I never made a late payment on. And I paid it off. But on my credit report its says I have a late payment. Ive contacted them and one of the representatives agreed Ive never made a late payment on but would not take the late payment off my credit report. This happened the week of XXXX XXXX of 2023
Product: Debt collection

I previously disputed this debt, which was removed from my credit report. Phoenix Recovery Group said the following in their response to complaint number XXXX, " The consumer is acting deceptively. Attached are 2 metered mailings sent to the consumer that were never returned and presumed received. '' My response was, " Where are the attachments? Didn't the CFPB notice they were missing making the debt unverified still ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a federally protected consumer. Experian was notified of a dispute of account with XXXX XXXX XXXX XXXX  Account number XXXX on XX/XX/22 Experian has notified the consumer that they have completed the dispute Experian has failed to make it clear if they deleted updated or whatever action has been taken with said dispute being complete pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPIEIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PERSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULTEC FROM IDENTITY THEFT
Product: Credit card

Wells Fargo used the Principal 's SSN illegally and created accounts without giving valuable consideration. They've failed to do their fiduciary duties. I sent a POA to the CFO in XXXX XXXX and an instruction letter on behalf of the Principal ( XXXX XXXX ) and no reply was received. I have revoked any POA that may have been given Wells Fargo, please see attached IRS form XXXX. I was ignored, treated like a minor even after I assured Wells Fargo that the Principal was not a minor and that I have the capacity to contract for the Principal ( XXXX XXXX ) I informed Wells Fargo that I was claiming all rights, interest and equity to the securities that were created using the Principal 's Social Security Number. I am willing to give Wells Fargo 20 % interest. I am only asking that Wells Fargo extend the Principal 's own credit. The bank 's fiduciary duty is to borrow and to pay interest. The IRS, SEC, CFPB are all available to those seeking remedy from banks.
Product: Credit card

Synchrony Bank has mishandled my credit card dispute, reversed a temporary credit without notice, and provided contradictory information about the status of my dispute. 



XXXX XXXX : On XX/XX/year>, Synchrony issued a temporary credit for a disputed charge. 

On XX/XX/year>, Synchrony reversed the temporary credit without providing any written notice or explanation. 

When I contacted customer service multiple times, representatives gave conflicting answers, alternately stating that my dispute was open, closed, won, or lost, with no clear resolution. 

Synchrony continues to read from the XX/XX/XXXX letter about the temporary credit instead of addressing the XX/XX/XXXX reversal and refuses to clarify why the credit was removed. 

Customer service also stated that I should wait XXXX billing cycles to see if the merchant responds. However, this contradicts standard dispute proceduresif the merchant does not respond, the credit should become permanent, not be reversed. 

When I asked for a written explanation of the XX/XX/XXXX reversal, Synchrony refused to provide XXXX and instead tried to redirect the conversation. 



Why This Is a Violation : Lack of Written Notice : Synchrony failed to provide a required written explanation for reversing the credit. 

Mishandling the Dispute Process : They are providing contradictory statements, misleading information, and refusing to clarify the dispute status. 

Unfair Business Practices : By reversing the credit without justification and refusing to provide documentation, they are preventing me from fairly resolving the issue. 



Requested Resolution : Provide a written explanation for the XX/XX/XXXX reversal. 

Restore the temporary credit unless they can provide documented proof that the merchant successfully disputed my claim. 

Confirm in writing whether the dispute is open or closed and explain why customer service has provided conflicting answers. 

Ensure Synchrony follows standard dispute procedures, meaning if the merchant does not respond, the credit remains permanent. 



I am requesting immediate action from the CFPB to hold Synchrony accountable for this dispute mismanagement.
Product: Mortgage

After finding a house with our realtor, she stated they had a lender in the same building and referred us to " their '' lending team. After a smooth transition from putting an offer on the home, to signing documents, we tried following up with how things are going. We did n't hear from there for a whole week after many tries. At the two week window before close of escrow and receiving paperwork to remove contingencies, we received notice we had to pay a medical judgment. We immediately wondering why would this come about at such a critical time? I looked into it further and saw were paying a 5 % VA loan in which all the closing cost are being applied to our loan when the lender has said they are paying for it. They beat around the bush when we ask for documents like the Desktop Underwriting which should have shown the steps to avoid our current situation. I have contacted other mortgage companies to compare and they have told me this is a scam. I am at a week to close and want to bring awareness and or legal help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2025 Experian Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and Dept of treasury has fraudulent accounts on my credit profile that need to be removed immediately.