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

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request to Correct Personal Information and Delete Inaccuracies Dear [ XXXXTransUnion ], I am writing to request the immediate correction and removal of inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Texas Business & Commerce Code 20.06. It has come to my attention that my credit report contains incorrect information, which must be rectified immediately to ensure compliance with federal and state laws. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : ( XXXX ) XXXX Employer : XXXX XXXX I demand the deletion of any and all incorrect names, addresses, phone numbers, employers, or other inaccuracies that do not match the information listed above. 
Legal Basis for My Request : 1. FCRA Compliance Requirements o 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
o 15 U.S.C. 1681i ( a ) ( 1 ) : When notified of a dispute, credit bureaus are required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
2. Obligation to Verify Information o 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Information providers must not furnish inaccurate information. If any inaccurate personal data originates from an information provider, the credit bureau must ensure its removal if unverifiable. 
3. State Law Protections o Texas Business & Commerce Code 20.06 : Credit reporting agencies operating in Texas must promptly investigate disputes and correct inaccurate information to avoid penalties. 
4. Potential Violations o Maintaining inaccurate information could result in consumer harm, which may constitute a breach of my rights under both federal and state law. Such violations are subject to penalties, including damages under 15 U.S.C. 1681n and 1681o, allowing recovery of damages for willful or negligent noncompliance. 
Action Requested : I demand that the following steps be taken : Verify all personal information on my credit report. 
Delete any information that does not match the details provided above. 
Confirm the completion of this investigation and provide a corrected credit report within the required 30-day period. 
Enclosed are copies of my identification, Social Security card, and proof of address to assist with verifying my identity. 
Please treat this as a formal notice and act in full compliance with the FCRA and applicable state laws. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SS XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had my wallet stolen on the evening of XX/XX/2019, which contained my social security card and state issued ID. I attempted to call capital one to report the fraud and freeze my account, but their fraud department was closed. This is the only card ( of the ones I have ) whose fraud department is not 24 hours. When I called the morning of XX/XX/2019, I was transferred to a foreign call center. The representative was adherant to a script about issuing a new card and would not listen to my concerns about my account information being compromised and having steps taken to prevent fraudelent activity and changes to my account. I was issued a new card and because I could not make any progress with the representative, ended the call to make other calls for the day. On XX/XX/2019, I recieved an email that another new card had been requested on my behalf ( not the one I called for ). When I called again, I spoke with the US fraud department and was told that a fraud alert would be placed on my account and told me my information would not be supplied to anyone calling, only confirmed or denied according to policy. My account was locked to my phone number - seemingly because the thief tried to change the phone number, and I was transferred to the IT department. The IT person could not unlock my account, so transferred me to the foreign fraud department. The representative then read out my phone number, and asked me to confirm. This is concerning becuase my identity is already severly compromised at this point, but now the thief potentially has my phone number too, which will allow them even easier access to my accounts. Repeated calls to Capital One local and foreign agents have been unsuccessful in resolving this issue or securing my account and the representatives seem wholly unconcerned about this issue. I've been told repeatedly that while it is not their policy, they can not keep their representatives from accessing and giving out my personal information.
Product: Checking or savings account

Hello how are you doing. So I have a checking account with chime bank, and on XX/XX/23 in the afternoon, my card was stolen and this person sent themselves XXXX dollars, by adding my chime card to there XXXX XXXX. And sending over multiple transactions. And I called chime and after talking to chime customer service they transferred me to there dispute department, and they had me on hold for so long I started to get offended. I really need this situation resolved as soon as possible. Thank you for your time
Product: Money transfer, virtual currency, or money service

I am owed {$160.00} from my account. When I contacted the company, I was told I need to provide a host of PII. I was told the information was encrypted but not given any other details. I asked if the company was FDIC insured and was told they didn't know and there was no supervisor, manager or security officer I could speak with to allay my fears. When I asked to close my account and withdraw the funds, I was told to submit the following information : 1. Photo ID, 2. Bank or credit card statement 3. Confirm my identity 4. Provide a proof of fulfillment of the transaction or explanation 5. Provide a purchase receipt from supplier or explanation 6. Provide information on account 's activity describing what the payment was for. The company already has my SSN and issues 1099s. Other than collecting this information for  marketing purposes for financial gain, I don't feel comfortable submitting this information online.
Product: Credit card or prepaid card

Initial purchase with Synchrony XXXX days later found out my sister was used as joint. I gave information to use her as a reference only. I went back to the store to have account financed with XXXX and to have my sister removed as joint on the account. Paid XXXX to do this with XXXX XXXX. I have papers showing purchase and credit to Synchrony XXXX and papers with new company. I have provided these items to Synchrony XXXX and they are refusing to credit account back and remove my sister off the account as she did not authorize to be joint on account. She was not present for the transaction. Also now they are reporting me late to the credit bureaus. 


Synchrony XXXX credited the account back in XXXX XXXX XXXX and updated my credit report and my sister 's creed report. Now as of XXXX XXXX, XXXX, Synchrony XXXX has changed my account balance back to what I was disputing and they have reported me 30 days late!! I did not provide documents since I recently provided them to Synchrony again on XXXX XXXX, XXXX.
Product: Checking or savings account

Hi. You closed out complaint # XXXX because the company said they resolved it with me. 
That is a lie. And your procedure apparently did n't give me a chance to respond. 
Here 's the story- they overcharged me on a safe deposit box. You forwarded my complaint to them. They claim they issued a credit. 
No. They Did Not. 

When the box was up for renewal I opted to not renew because of the overcharge ( they overcharged last year too and it took months of fighting with them to get a refund ). 

I closed the box and filed my complaint. 

Their response was that they waived the fee for the next year. There was no fee for the next year because I closed the box. 

I have contacted them by phone and they said they 'd look into it and get back to me. 
They have not gotten back to me despite my leaving numerous messages. 

They said they gave me over {$200.00} and that is simply not at all true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I never authorized any of these credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Good News From XXXXXXXX XXXX  - Negative Item Removed Monday, XXXX XXXX XXXX XXXX XXXX XXXX Good news : you have positive updates on your credit reports. 
REMOVALS DETECTED 4 No longer on your EQUIFAX credit report datedXXXX XXXX Type of Negative Date Account Status Repossession XX/XX/XXXXXXXX XXXX XXXX XXXX, I REMOVED Collection XXXX XXXX US DEPARTMENT OF EDUCATION REMOVED Collection XX/XX/XXXX XXXX XXXX XXXX XXXX REMOVED Collection XX/XX/XXXX XXXX XXXX REMOVED XXXX XXXX
Product: Payday loan, title loan, or personal loan

On Great America 's finance website, it states my " outstanding '' balance to be balance with interest. ( I had to figure that out myself, it only states outgoing balance ). This is deferred interest but no where does it state deferred interest or principal balance just " outstanding balance '' .They offered me 18 months same as cash. I do not owe interest yet. If I pay the loan off I would never owe. I would think this would be against Fair Credit and Charge Card Disclosure Act of 1988 or truth in lending Act. Since they tact on interest prior to it being due. I also don't see my interest rate listed on my coupon book. As I was about to rebudget my payment plan to include interest when I realized the outstanding balance was incorrect. What this loan company may do is not show the principal balance so people don't know what it is and don't pay it in time so they get the balance plus interest while being able to advertise " same as cash '' loan. This practice is dishonest and deceitful. I called and spoke to 3 different people. The first person when I started to complain about the balance being incorrect told me " don't do this ''. I am very much allowed to complain about your either illegal or shady practice. Another one told me a manager 's manager would be calling me and never did and the third one transferred me to loan dept who had no idea what I was talking about. I am currently calling back to get the manager of the manager to speak with. The rep informed me I was lied to about the " manager '' I spoke to earlier was not a manager. The rep is again telling me what I already know I don't owe interest if I pay off balance. Where do I see that balance? Not on payment book! Not on website! Where is the principal balance so I don't overpay. Finally got the manager who stated it is on the contract only but they never update and list the principal balance anywhere. They do not send out statements. I do not have the contract so I don't know what the interest rate I am trying to avoid is. It is not disclosed on coupon book or account info on website.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am filing a formal dispute regarding an account reported by XXXX XXXX, account number XXXX, which appears on my credit report with a derogatory status, charge-off, and past-due balance of {$790.00}. This dispute is submitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits unfair or misleading debt collection and reporting practices.

Dispute Details : 1. Potential Inaccurate Reporting : The account was opened on XX/XX/XXXX, yet it is already marked as charged off and reported as a profit and loss write-off as of XX/XX/XXXX. 
A charge-off usually occurs after 180 days of delinquency for revolving accounts. The timeline suggests premature reporting, which violates 15 U.S.C. 1692e ( 8 ) ( misleading representation of debt ). 
2. Violation of 15 U.S.C. 1692g ( XXXX XXXX Rights ) : I have not received proper validation of this debt, including the original creditors breakdown of charges, proof of delinquency, and notice of my right to dispute. 
If this debt was transferred to a collection agency, I have not been properly informed, as required by law. 
3. Potential Violation of 15 U.S.C. 1692f ( Unfair Practices ) : The account was reported with a balance of {$790.00}, but no supporting documentation has been provided to justify the amount. 
If the balance includes unauthorized fees or interest, this could constitute an unfair collection practice.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.
Product: Vehicle loan or lease

WESTLAKE FINANCIAL SVC opened XX/XX/2021 ... has reported to my XXXX  that i missed payment but the car dealership took the car back the first month..and payed it off i never had the car more than 30 days.i dont why it reported that i missed a payment that is inaccurate.but not on XXXX and XXXX ???
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Well I have had several incidents one was getting gas and they took all money that I had in my account and I only had pumped XXXX $ of gas I cant remember the dates and time another time I had money in my account and a transaction was made and I tried to cancel it before it went through and I couldnt XXXX $ gone I messaged them they say they was going to look into it never heard nothing back so I just transferred all the money I had back to my bank account and looked the card I alway had my kids card under mines and they always taking money out they account it charging fees for nothing the card dont be use no overdraft or nothing
Product: Mortgage

- XX/XX/XXXX : Application was accepted by XXXX XXXX, Mortgage Banker at Renasant XXXX XXXX. Close date was set for XX/XX/XXXX XXXX : Appraisal for the home was ordered. During this process the appraisal company selected by Renasant tried to request more money for an expedited service which was not needed to meet the agreed upon close date of XX/XX/XXXX. When the appraisal came in on XX/XX/XXXX and I was asked to sign a paper requesting an additional {$100.00} for an increase of cost for the appraisal I had already paid for. 
XXXX : Loan submitted to underwriting XXXX : XXXX XXXX, who was responsible for my closing process was asking for documents that I has sent in previously. 
XXXX : I received my pre-closing documents for a close date of XX/XX/XXXX. This would not allow enough time to get the necessary paperwork to the title company to close on time. By sending this package it makes the assumption that Renasant had all the necessary documents needed to close which I provided far in advance but clearly due to negligence was not handled properly. 
XXXX : The intended close date was set for XX/XX/XXXX and on XX/XX/XXXX I received an e-signing confirmation of my appraisal that Renasant had available on XX/XX/XXXX. 
XXXX : I am forced to extend my close date because Renasant was negligent in both managing the process and handling my documents to meet a timeline that agreed to which caused XXXX money to become at risk and the sell of the house to be in jeopardy. 
- XX/XX/XXXX : Because of poor controls in the underwriting review process I was asked to update my insurance coverage to meet Renasant 's requirements. Keep in mind the house was scheduled to close on XX/XX/XXXX and I am just now completing an insurance increase request. 
- XX/XX/XXXX : I am provided my closing details and I am notified by my Title company that under " other costs '' section F, line XXXX that Renasant is charging an unnecessary fee. 
- XX/XX/XXXX : I speak with XXXX XXXX, Vice President. I explained the process and how frustrating it has been working with Renasant and his team due to the lack of communication, the change in staff, and the inability to support timelines that were agreed to. He raised his voice and told me that he was sorry that I was frustrated but that he has been in the business for XXXX and that he was not going to change anything on the documents. This was clear intimidation and as a consumer I felt that given how far along we where in the process I has no other options but to proceed with Renasant even though it has been a terrible experience and I felt they didn't have my interest at heart.
Product: Credit reporting or other personal consumer reports

company used my identity with my consent reporting negative inaccurate information hindering me from obtaining credit I believe the company should do what's fair and XXXXquitable and remove these accounts forever.
Product: Checking or savings account

I have a consumer checking account with Wells Fargo Bank. I supposedly have preferred customer status with this bank. 

On or about XX/XX/2019, Wells Fargo ERRANTLY initiated an online ACH debit ( withdrawal ) from my XXXX XXXX XXXX XXXX account in the amount of {$10000.00}, and that money was credited to my Wells Fargo. 

Then on or about XX/XX/2019, Wells Fargo then reversed this transaction and attempted to send the {$10000.00} back to XXXX XXXX XXXX XXXX. However, the money was NEVER received by XXXX XXXX. But, my Wells Fargo was debited the {$10000.00} and that withdrawal put me into a severe deficit. This forced me to borrow funds to cover the debit which Wells Fargo had created. I had expected Wells Fargo to recognize the error and correct the matter, but they failed to do so. 

As a result, I have contacted Wells Fargo by telephone on multiple occasions ( 4 times ), filed two ( 2 ) formal claims, and visited their branch offices to attempt to trace and recover my missing money. My money has been missing now for over 60 days, and Wells Fargo has failed to identify or resolve the problem, failed to properly communicate with me any investigative results, and have NOT provisionally or permanently credit back my {$10000.00}. I have now filed two ( 2 ) separate formal claims with Wells Fargo, and my claims are being ignored without resolution. 

My direct losses in this matter now include : a ) {$10000.00} in missing funds ; b ) interest payments for borrowed money to cover the short fall ( estimated at {$150.00} ), at least 6 hours of my working time ( 6 hours x {$200.00} ) ; and NSF fees from XXXX XXXX of {$25.00}. 

I have patiently waited for more than 45 days for Wells Fargo to resolve this problem, and they have utterly failed on every count. 

I am left no other choice but to file a claim with the CFPB, and I will subsequently sue Wells Fargo for recovery of my funds, lost time, interest and bank fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXI ) XXXX Balance : {$890.00}