23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A few weeks ago, I disputed some unrecognized charges to Chime. Not realizing what they were and submitting support which I thought would help but it was denied but I know for a fact I didnt make those charges! Realizing that I was a victim of fraud because I was referred to a lady from social media, who advertised helping with business funding. I provided her with my valuable information and she took advantage by stealing my money and not providing any services. And it is bothering me because my money was taking, innocently. I contacted the local police department and filed a claim and provided all the documentation I had. They instructed me to reach back out to Chime and give you all the information needed so XXXX could conduct an investigation because I was a victim of fraud! I have provided the police information alongside documentation I provided the recipient my information with intentions of her providing services.
Product: Credit card or prepaid card

We have had a XXXX XXXX Business Mastercard since XXXX, we have never had a balance carried, always have paid in full every month. XX/XX/XXXX our account was put on restricted status, not sure what that even means, all our cards were immediately rendered useless. I called into Capital One and was informed that the cards were restricted and that no other information could be given to me. All access to our account was suspended. I can't find out what charges have been made either online or via phone. The suspension of our account has created a hardship for our business and employees. Our treatment by Capital One has been unacceptable.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies that require immediate attention. Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), credit bureaus must validate the information they report, ensuring its accuracy. Reporting any unverified information without proof within the mandated timeframe is prohibited. 
XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- no knowledge of account in violation of HIPPA and CRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Payday loan, title loan, or personal loan

The company refused to work with me, refused to set up a payment arrangement so I can be back on my feet!
Product: Prepaid card

Incomm visa gift cards were purchased and attempts to make purchases were made. Upon use of the card, transactions were block at the merchant and subsequent merchants. It was been determined that there is a systematic scheme in place to purposefully deny use of the cards. I have attempted numerous times to use the card and resolve its issues with Incomm but to no avail. Incomm tells me to use the card at another merchant despite my attempts at different merchants. If an purchase attempt was at a specific merchant, why would one try to use it at another merchant? For example, if I was looking to pay my electric bill with the gift card, why would the solution be to NOT pay the electric bill and pay different merchant? Why am I not allowed to pay my electric company? 

This same issue is present with the replacement cards sent to me. So instead of more replacement cards, I am respectfully requesting that funds be sent to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request to Reinvestigate & Delete Accounts Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, Equifax, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.1.XXXXacct. #  XXXX,2.XXXXacct. # XXXX3.XXXX XXXXacct. # XXXX,4.XXXXacct. # XXXX,5. ( Original Creditor : ) acct. # XXXX6. ( Original Creditor : ) acct. # XXXX7. ( Original Creditor : XXXX ) acct. # XXXX The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/year>2025, noticed unauthorized and inaccurate information on all three of the credit bureau report.
Product: Credit card or prepaid card

After many years of being a CapitalOne customer, they have " permanently restricted '' my 3 card accounts and they can't tell me why with any specificity. They asked me to provide ID and social security cards for authorized users ( even AUs who were removed over a year ago ). I provided what I have, but they say it is insufficient but refuse to say what is missing or why it is insufficient. They won't even say which AU they are concerned about. 

Card ending XXXX ( personal card, had XXXX  - never more than 2 at a time - Has accumulated rewards miles that they won't let me redeem ) Card ending XXXX ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem ) Card ending XXXX  ( business card, never had an XXXX  - Has accumulated rewards cash that they won't let me redeem )
Product: Debt collection

Im writing this complaint against LVNV Funding. This account with XXXX  XXXX has been satisfied and deleted from all credit reports. However, this collection agency refused to remove account. Ive attached a copy of my XXXX  report that shows deletion and account satisfied. However, LVNV continues to report please help.
Product: Debt collection

I received a letter from Jefferson Capital debt collector XXXX XXXX in regards to a debt from XXXX. It wasnt even addressed to the correct name. It was addressed with my maiden name and I've been married since XXXX. I called and disputed the debt because I don't remember owing the original creditor. I received a letter XXXX XXXX stating they would not be notifing the credit bureaus about the debt. Even if this is a legitimate debt it is way past statue of limitations. Isn't this illegal.
Product: Money transfer, virtual currency, or money service

Hello, I have been a victim of an online scam. I need your help to bring them to justice. This person used this name ( XXXX XXXX XXXX, she changed her name to ( XXXX XXXX XXXX or ( XXXX XXXX XXXX after she was done taking my money. She contacted me through social media and had me use XXXX to chat. This is the number she used ( XXXX ). I believe she is still using that number to scam other people. XXXX should be able to tell us who she/they are. She told me that I could make money through an investment platform called XXXX. Which was probably a fake website. She slowly built my confidence up using the platform to show me how it worked and then she put a lot of pressure on me to take out several loans and use my personal savings of ( {$100000.00} ), and I also took money out of my XXXX ( {$110000.00} ). I put the money into the XXXX system. They made believe that I had made a bunch of money on the platform ( {$800000.00} ). When I tried to withdraw my money they would not let me. They said I had to pay taxes on the money I made and would not let me withdraw my money. Please help me recover my money. She used the App Coinbase XXXX to take my money and put it into XXXX XXXX exchange ( Fake website they set up ). My Coinbase XXXX XXXX account ID is ( XXXX ). I need you to ask Coinbase what bank or account did they have me send my money to. Then ask that bank to give the money back from the scammers account. There is no money in my Coinbase account for them to return my money so please dont ask them for the money. Make Coinbase tell us where the money went. I have uploaded just some of the screenshots I took during the process. Let me know if you need more. 
Thank you for your help! 
XXXX XXXX XXXX These are the web addresses they used to steal my money. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXXXXXX - XXXX - {$270.00} XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX - {$2100.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$75.00}.
Product: Credit reporting or other personal consumer reports

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



XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Not my debt. 
I am not the person from whom they are attempting to collect debt and have made that abundantly clear. 

Activate Financial agents have ignored my requests 4 times to remove me from their database. 

I have mentioned to agents that they are now harassing me and that I will report them to national Do Not Call Registry. This has gone unheeded. 

Over past months, I was receiving a call every few days from company. Since telling them I will report them to Do Not Call registry, I now receive 1 call each day around XXXX to XXXX from Activate Financial XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, A Incorrect Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

'FIRST NOTICE!!! As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Product: Checking or savings account

I am trying to transfer the money in my account to another bank that is linked online. I get this message everytime. 

For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code XXXX. 

When I call the number the automated voice tells me there is no bank linked and that is it. There is no way for me to resolve this " security reason '' and I need that money now.
Product: Credit card or prepaid card

Capital One closed my venture one card without my consent. Due to the size of credit line, having that amount of open credit removed from my account materially reduced my credit score- which is going to materially impact my access to credit moving forward. 

They claim to have sent mail & digital communication- but did not wait for a response from me ( took the action without my opt-in ). This all happened at a time when I was caring for a sick family member ( with XXXX ). 

And when I called - multiple agents refused to reopen the account even though I was underdoing family hardship at the time. I've never missed a payment with them- and they treated me like I've never given them any of my business.
Product: Credit card or prepaid card

This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Mortgage

PENNYMAC did an intentionally poor job explaining the COVID partial lien. Their message plays on repeat as the first thing you hear when calling in. It is pushed on consumers with no training given to the workers and no guidelines in place on what information to share with the consumer about what it is. The program is explained so intentionally poorly that I believed it to be lender based not government assistance. I took the help for 6-7 months while having my hours reduced, incurring childcare expense due to the pandemic issues, and while receiving uncertain and lower child support. When I was confident the situation was resolved, I called in to resume payments and was told I needed my ex-husband to sign loan paperwork. Not that it was simply tacked on to the end like I was told. Had I been explained anything instead of talked to like it was casual assistance from PENNYMAC, I would have had a $ XXXXmonth problem. Instead I sat with a {$7000.00} problem. For some reason and after doomsday level dramatic begging, my ex signed. I lodged a complaint internally with PENNYMAC and moved on. Shortly after, I started the assumption process. Turned in all the paperwork but it was denied because I had needed the partial lien. I was told to make some payments on time and try again. So I did and asked again. And it was denied because of the partial lien. Now I'm told I have to pay off the {$7100.00} in full to assume the mortgage which I now have 4.5 months ( per divorce decree ) to come up with. Single mom. XXXX kids. Had I been told with the first request for assumption, I may have had a chance to save but they waited until the last opportunity. Presented with " help '' from PENNYMAC because it benefited PENNYMAC but left me and my kids with a {$7000.00} problem. I can't assume it. I can't streamline finance it ( and if I could, it would be a massively larger payment because of the interest ). A refinance is not free and I'm not sure I'd even qualify. And again the interest would be insane ( while the partial lien is at 0 % interest ). This was " help '' to PENNYMAC for which PENNYMAC acted like the provider of for good PR and to get the government money themselves. They took advantage of my family and at a minimum did a phenomenally awful job that put my family in a desperate situation.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute inaccurate information on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information on a consumers credit report is accurate and verifiable. Upon reviewing my report, I have identified multiple accounts that contain incorrect information, and I demand that these errors be investigated and corrected immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX date breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX Data Breach XXXX I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.
Product: Debt collection

I took a XXXX loan out through kabbage and have been caught up in the k-servicing fiasco. I applied for XXXX forgiveness in 2021 which k-servicing never correctly processed. My XXXX loan information was supposed to be sent to XXXX for review when K-servicing declared bankruptcy and transferred servicing to customer 's bank. Customer 's bank illegally drafted XXXX from my XXXX account without my knowledge not authorization resulting in an overdraft. 

They had no legal right to draft my account and they were already informed that I was not paying a dime until the XXXX process was complete. I demand the money be refunded and my XXXX bank account information completely removed from their system.
Product: Payday loan, title loan, or personal loan

I recieved a call from XXXX XXXX and they i was aprroved for a loan up to XXXX and pay back a XXXX and so I said that was to much and then he said he would approve me for XXXX which I payback XXXX a month.He also ask for my last for digit of my SSI # After that he went over my bank information that he already had and he told me a file number XXXX. SO he told me to call a XXXX and provide the XXXX. I called the number and they basically said I have to purchase insurance with PPI ( Payment Protection Insurance ) which was XXXX and to pay that before i can get the funds into my account. So after that he hung up and I called back a woman answer named XXXX XXXX her and her ext XXXX and she told me the same thing so told her I did not have it and she told me to call back when I do.