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

On XX/XX/XXXX, I placed an order with XXXX for {$290.00}. Unfortunately, they were only able to provide me with {$45.00} of the orderand had to cancel the remaining items which totaled {$250.00}. I spoke with Chime on XX/XX/XXXX because I noticed the pending transaction date had been updated to XX/XX/XXXX. Chime wanted me to dispute the {$45.00} which I told them I would not because that was my transaction. They stated XXXX updated the pending transaction. I called XXXX and spoke with XXXX XXXX. She conferenced in Chime and explained to XXXX that the money should be released back to me and sent over the documentation telling them the error was on their end as the authorization reversal as well as the charge authorization had been sent to them on XX/XX/XXXX. 

I spoke with XXXX and XXXX, the supervisor at Chime this morning with no resolve. They are still following their script and refusing to assist even though they are in possession of the documentation.
Product: Mortgage

I have sent several letters to Specialized Loan Servicing , LLC asking for the Private Mortgage Insurance to be dropped and have gotten no responses back. I have fallowed the directions for XXXX XXXX loans based on improvements made to the home and appreciation. They apparently are choosing to ignore me even though I expect an appraisal to be done and for them to follow the next steps.
Product: Debt collection

XXXX of 2025, I received a Statement and coupon from Blitt and Gaines , P.C . attempting to collect a debt that was already charged off and settled with the original creditor, XXXX XXXX XXXXXXXX, for {$3200.00}. I am getting bot calls from them and when I answer the call, no one answers, then they hang up. This prevents me from addressing the issue with them. The statement they sent request payments, which I do not owe them. I do not have a contract nor agreement with Blitt and Gaines , P.C . They are referring to an account that was in my old name before I had it legally changed. It seems as though they are predatory in practice, trying to collect on a closed account. XXXX XXXX XXXXXXXX has no connection with this agency for this issue. They have given me a reference number of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  deleted from XXXX but did not delete from XXXX or experian. Once an account gets charged off you can not keep that on my credit report for that is income to the irs once they send the 1099c cancellation of debt form from that creditor. 15 usc code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX
Product: Debt collection

It is online fraud, they never provide the service to me and they took access of my computer without my permission, when I noticed they are in my computer then I turned off my computer but they got my card details, I want to remove this fraud account from my credit report and they don't have any customer support number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Product: Debt collection

I had a credit card with Capital One a few years ago while I was in college building my credit. I lost the card and reported it lost but my card was never locked or closed. It needed up being maxed out and I just never paid it because I felt I shouldnt have to due to them not locking it immediately when I reported it lost. Capital One closed the card and eventually charged it off for a little over {$400.00}. I contacted the company a while back and spoke to someone about settling the account out and having it removed from all the credit bureau. I was told at the time if I settled it they could remove it from all 3 and this was from one of their mangers. I settled the account a month and a half ago and when I called about it still being on my report I was then told it could not be removed due to company policies. I was told and promised that it would be removed upon settling the account and it was not. I understand policies but if that is what I was told I personally feel like it should be honored. I took it up the chain and another manager told me even though I may have been told that information she was not going to honor that. The account is settled ( although its still reporting inaccurately XXXX which Ive called about as well. I just want it removed because thats what I was told would happen.
Product: Checking or savings account

Subject : Complaint Regarding Flagstar Bank Account XXXX Dear Consumer Financial Protection Bureau, I am XXXX XXXX and my account number is XXXX. I am writing to file a formal complaint against Flagstar Bank for unjustly locking my bank account and subsequently denying my requests to transfer funds or close my account. This has not only caused significant inconvenience but also financial hardship, as I am unable to access my own money. 

I have been a customer with Flagstar Bank since XXXX XXXX, and my account number is XXXX. Upon contacting customer service, I was informed that my account was locked for [ mention if they gave any reasons ], a reason which I find unjustified and was not substantiated with evidence or detailed explanation. 

Despite multiple attempts to resolve this issue through customer service and branch visits, I have received no clear resolution or timeline when access to my funds will be reinstated. This has left me without the means to manage my personal finances, meet my financial obligations, and has caused me undue stress and anxiety. 

According to the consumer rights, I believe that the action taken by Flagstar Bank is unfair and infringes on my rights as a consumer. Therefore, I request the CFPB 's intervention to : Investigate the practices of Flagstar Bank concerning the locking of customer accounts without proper notice or justification. 
Facilitate the unlocking of my account and allow me to either withdraw my funds ( mail me a check ) and close my account without further delay. 
I trust that the CFPB will take my complaint seriously and look forward to a resolution that will restore my access to my funds and uphold my rights as a consumer. 

Thank you for your attention to this urgent matter. I am willing to provide any further information needed and can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit card or prepaid card

There was a capital one credit card fraudulently opened in my name thats now reporting on my credit report. Ive never had a capital one credit card and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the credit card is {$760.00} and its all fraud!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Money transfer, virtual currency, or money service

MY WIFE AND I BECAME VICTIM TO THE FRAUD INDUCE MONEY ORDER SCAM VIA MONEYGRAM AND XXXX XXXX SCAMMERS. WE LOSSED {$6000.00} AND MORE WITH XXXX XXXX BETWEEN XXXX. WE NOW WANT TO START A CLASSACTION FOR MONEY ORDER FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear XXXX, Experian, and XXXX, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : XXXX Fraudulent Accounts : Company/Organization : XXXX XXXX  Account Number : XXXX Company/Organization : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Company/Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Company/Organization XXXX XXXX XXXX Account Number : XXXX Company/Organization : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX Company/Organization : XXXX XXXX XXXX Account XXXX XXXX XXXX Company/Organization : XXXX Account Number : XXXX Company/Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Company/Organization : XXXX XXXX Account Number : XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX ) CAPITAL XXXX XXXX XXXX XXXX XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation. 

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information. 

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim. 

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( XXXX ) of the FCRA. 

Failure to comply with these obligations XXXX result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In response to my first complaint (  XXXX  )  XXXX   XXXX  sent information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1.  How would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now. Santander nor  XXXX   XXXX  sent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed then  XXXX  sent notification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.
Product: Vehicle loan or lease

I received a loan through XXXX XXXX services, which was then provided by Chase Bank. I paid $ XXXX for a product that promised me a host of features and services over the next 10 years, and XXXX XXXX is now in XXXX  XXXX bankruptcy and I will likely never see any of the features I was charged for ( warranty, self-driving, advanced safety features, regular software updates, parts etc. )
Product: Credit reporting or other personal consumer reports

This account is being fraudulently and inaccurately reported to my credit report. Identity Fraud is a Federal Crime and punishable up to {$5000.00} or prison time or both.
Product: Debt collection

Collection opened XXXX XXXX Contacted CMRE Financial Services via phone, email, and sent letters, asking for validation of collection. 


I was not sent anything. 

They said they sent a medial bill. I was never seen at XXXX university XXXX as stated. 

I live XXXX hours away from XXXX, I do not go to XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal and Blocking of Fraudulent XXXX XXXX Account from My Credit Report To Whom It XXXX Concern, I am writing to formally request the immediate removal and blocking of the XXXX XXXX account from my credit report under the Fair Credit Reporting Act ( FCRA ). I previously requested that you take action on this matter, yet no response was received, and the fraudulent account continues to be reported. This constitutes a clear violation of my rights under the FCRA. 

Pursuant to 15 U.S.C. 1681c-2, the FCRA mandates that consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from fraud, so long as the consumer provides appropriate documentation. I have already informed you that this account is the result of fraudulent activity. Specifically : Over {$14000.00} in unauthorized add-ons were placed on my sales contract without my consent. 
I was overcharged by {$2000.00}. 
The manager of the dealership, XXXX XXXX XXXX, has acknowledged in writing that fraud took place during the purchase. 
The dealership ( XXXX XXXX ) initially secured a loan of {$52000.00} instead of {$36000.00}, an excessive and fraudulent amount. 
XXXX XXXX has been notified of the fraud, yet the account remains reported on my credit file. 
The matter has been formally reported to the Federal Trade Commission ( FTC ) for investigation, and I have enclosed a copy of my complaint for your reference. 
Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information ( XXXX XXXX XXXX is prohibited from reporting information that it knows, or has reasonable cause to believe, is inaccurate. Since I have provided XXXX XXXX and the dealership with direct notice of fraud, their continued reporting of this account to credit bureaus constitutes a violation of federal law. 

I have also enclosed : A copy of an email from XXXX XXXX XXXX acknowledging the fraudulent charges. 
A copy of XXXX XXXX settlement offer, which I declined because it did not fully compensate for the financial damages caused by their fraudulent actions. 
Given the overwhelming evidence of fraud, I demand that this account be immediately removed and permanently blocked from my credit report as required by law. If the account remains on my credit report, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action to enforce my rights under the FCRA. 

Please confirm in writing within 30 days that this fraudulent account has been removed and blocked from further reporting. Failure to comply with this request will result in further legal action. 

Sincerely, XXXX XXXX ( Enclosures : FTC Report, Email from Dealership XXXX, XXXX XXXX Settlement Offer )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I deposited into the mail via certified return receipt letters to XXXX and Equifax. 
Both companies received the letters, signed for them and a receipt was obtained. 
Equifax sent a letter to me dated XXXX XXXX that updated the account of XXXX XXXX account number ending in XXXX for the amount of {$430.00}. The fraudulent account remained on my credit report even though I sent the following documents to Equifax : Copy of Federal Trade Commission XXXXdentity theft Report Copy of XXXX AZ police report detailing identity theft Copy of Washington state drivers license Copy of utility bill I sent the same letter to XXXX XXXX and they received the letter as well. They failed to respond or to remove the single XXXX XXXX account for {$430.00} from my credit report as well. 

The credit card issuer also failed to thoroughly investigate my identity theft and failed to remove the single credit card account in the amount of {$430.00} and absolve me all charges related to this account and they have kept reporting it. 
XXXX XXXX did properly respond to a second account and did remove that account but for some reason they have been unwilling to remove this final account. 

Other companies also had accounts opened in my name and those accounts were thoroughly investigated and removed from my credit report. 

XXXX XXXX, XXXX, XXXX XXXX all had fraudulent accounts opened in my name and they properly responded and removed those accounts from association with my name when I followed the law and provided them with the proper documentation. 
On XX/XX/XXXX I sent yet another notice to XXXX XXXX via certified mail that they did receive on XX/XX/XXXX that they have failed to properly investigate my identity theft and I demanded copies of all relevant evidence upon which they have relied to assert the account is mine. I have requested they provide me with all IP addresses associated with the opening of my account, screenshots of account, emails associated with my accounts and and signed documents. 
I received a letter from XXXX XXXX dated XX/XX/XXXX wherein they indicate that they have taken steps and then provided me with a code of some sort and kept reporting the card as if its mine. IT IS NOT! 
Capital One can not continue and XXXX and Equifax can not continue to fail to follow the Law and keep this final account in my name. They have ZERO EVIDENCE of a material misrepresentation of facts or that I benefited from this fraud because I HAVE NOT BENEFITED and I am the victim of identity theft, please help me correct this and help me recover damages from XXXX, Equifax and XXXX XXXX as they all three continue to damage my credit and my ability to legitimately use my credit. This has delayed my ability to properly acquire financial independence and avail myself of offers that are reserved for those who seek to better themselves financially.
Product: Debt collection

Notice for Proof of Claim Account : MIDLAND CREDIT MANAGEMENT To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have XXXX days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

Please see my hazard and circumstance in the attached document. I am seeking the deletion of the XXXX Account and the removal of the two inquiries and statutory damages for no permissible purpose XXXX XXXXXXXX  trapped me into a Secured Loan application seeking a vehicle for collateral therefore ; Please mandate an EQUAL Credit Opportunity from XXXX in the amount of XXXX secured against my security interest in the company. 

For XXXX please enforce my security interest in the company and provide at least XXXX store credit or relief paid to the beneficiary XXXX XXXX XXXX ; See the attachment for clarification even though the situation is much worse, this is all I had the spiritual energy, physical strength, knowledge, and competency to produce.