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

Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Specifically, under **15 U.S.C. 1681c-2**, I request that these fraudulent accounts be removed from my credit report as they are the result of identity theft. This section of the FCRA provides that a consumer who believes they are a victim of identity theft can request the deletion of information related to fraudulent transactions. 
Failure to remove these fraudulent accounts from my credit report could be considered noncompliance with the FCRA, potentially subjecting XXXX ] to the aforementioned penalties. 


Ive attached my police report showing that my wallet and items containing my personal information have been stolen and compromised. The items listed are a result to me being a victim of theft remove them.
Product: Checking or savings account

On XX/XX/2018 I found out that my Chase bank account ( opened in XXXX Florida ) balance information ( for several accounts ) was viewed by a Chase employee in a branch on XXXX XXXX XXXX on XX/XX/2018. This person had no reason to be in my account. I believe my account was viewed at the request of my ex sister in law who lives a few miles from the branch and used to work at Chase many years ago and most likely still has contacts there. I believe that the balance information was provided to my ex husband. Chase provided the name of the employee who viewed my account and started an internal investigation at my request. A few days later Chase let me know that they will be using internal resources to investigate but will not be providing me with any further information relative to my complaint. I asked what was being done about the breach to my privacy and my security and they kept telling me that they are investigating and that privacy laws preclude them from giving me further information. I'm not sure if any laws were broken but, instead of working with me to find out exactly what happened and  assuring me that my accounts are secure, Chase circled their wagons to protect themselves. I have been violated and the violation will likely result in my ex husband using the information provided to him in deciding how much support to provide to his children. Someone is, or multiple persons are, responsible for violating my security and privacy and I want to pursue whatever avenues are available to me.
Product: Credit reporting or other personal consumer reports

Any and all consent to XXXX, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.Unauthorized fraudulent inquiries into my credit.
Product: Debt collection

I have spoke with this company multiple times, i set up monthly payments of {$150.00} a month which i was paying, i had to unfortunately had to get another job, which I'm am making way less then i was, i called them immediately upon starting my new job and let them know i could pay {$50.00} a month without putting my family in a financial burden. They refused the payment and said they wouldnt take anything less then {$200.00} a month which i can not afford, and also which was way more then i was originally payment, i was told they would bring me to court and garnish my wages. This debt is XXXX XXXX XXXX. i told them again i can only afford {$50.00} a month and IF i was able to pay more in the future i would, again the REFUSED my payment. I can only afford {$50.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my belief that Capital One is furnishing false and misleading late payments as a way to coerce me to make on time payments. It is my belief that Capital One has been committing theft by deception. It is my belief that furnishing late payments without my lawful authority as a matter ruin my financial reputation constitutes extortion in accordance with 25 CFR 11.417. 

Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.Capital Ones failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud and identity theft. Congress has stated that unfair credit reporting undermines public confidence which congress has made clear, is essential to the continued functioning of the banking system. 

Capital One has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority
Product: Credit card or prepaid card

Dear CFPB, I am writing this email to file a complaint against Wells Fargo bank for their failure to address customer disputes. 

Regarding this particular transaction, I have contacted the bank multiple times, but they have shown a passive attitude towards resolving the issue. They falsely claimed to have submitted the dispute, but it was nothing but a lie. The seller has provided no post-sales service, and it is only this bank that is incapable of retrieving any disputed funds. It is an inept bank that only cares about taking money without fulfilling their responsibilities. 

It is crucial for the authorities to supervise this matter and ensure that my payment is recovered. I urge you to investigate this complaint thoroughly until the bank takes appropriate action. 

Sincerely,
Product: Payday loan, title loan, or personal loan

Mariner Finance, f/k/a Personal Finance Company, has ruined my credit reputation and continues to do so. I fell on financial hardship, due to a medical leave in XX/XX/XXXX, which left me in tremendous debt. I was not offered workout options to help alleviate the debt I was accruing. Most lenders were willing to work with me. Instead, I received a complaint from Mariner Finance. The complaint contains the incorrect name and address. I called the attorney 's office in order to work with them, and have made my payments. I have not received merger documentation to prove that Mariner obtained my loan from PFC. I also have not been provided with an itemized statement of the charges on my account. I have been making my payments to the attorney 's office, and yet Mariner Finance continues to call to not only solicit me, but then to ask where my missing payments are. They are not in contact with the attorney that they hired to take the case. They have offered me a chance to refinance my loan with no payments until XX/XX/XXXX in XX/XX/XXXX via phone call, and then took the offer back due to the judgment on my account on the same phone call. Then, proceeded to ask where my payments were. I have made my payments, ON TIME, to the attorney 's office since I signed the agreed judgment. At this time, I am considering counter suing for lack of documentation, and emotional and physical distress. I can provide all money order stubs to prove payments are being made, and where the money is forwarded to. Why hire an attorney if you don't even communicate with them? This has been a very unprofessional experience, and many glimpses of false hope were provided. I do not think they should be soliciting me for a refinance, and trying to collect on a debt within the same phone call. This has been a very frustrating experience, and has left me feeling hopeless. I hope that nobody uses this company for a personal loan, and at all costs, avoid making the same mistake that I did.
Product: Credit reporting or other personal consumer reports

Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm relatively new to onlins banking and I was trying to send my friend XXXX XXXX XXXX {$20.00} but I was having trouble trying to do the transfer myself and so I called the Chime number I got on XXXX and a person who was falsely representing Chime online banking answered and Said " Chime, how can I help you? '' I told him what I was trying to transfer {$20.00} from my account to XXXX XXXX and he told me to go to my online Chime account and He would walk me through the process and so I did what he was telling me to do step by step and he did 2 illegal transactions on my account the first attempt to XXXX XXXX XXXX denied but the second attempt through an email at XXXX was accepted and the person took {$410.00} all the money I had in my account on XXXX XXXX and I took screenshots of the illegal transaction but Chime denied my dispute. I still have all of the evidence I have 4 different screenshots I'm sending to you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com has tried billing me {$4.00} & {$24.00} respectively to fix their investigation in an attempt at retaliating against consumer in regards to a XXXX data hack XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below, as well as any related inquiries, be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a recent data breach, and I have discovered that fraudulent activity may have taken place involving these accounts. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXXccount Number : XXXX - XX/XX/XXXX - {$230.00} XXXX. CAPITAL XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXXXXXX - Account XXXX : XXXX - XX/XX/XXXX - {$420.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$230.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1900.00} Inquiries to be blocked and deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business  : XXXX XXXX XXXXXXXX Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

The company not only has negatively impacted my credit reporting but it has reduced my good standing and credit limit even though the balance was paid in full. 

My XX/XX/year> statement indicated that there was a balance due on XX/XX/year>XX/XX/XXXX {$250.00} On XX/XX/year>, I paid that balance in full, which is prior to the due date however somehow, I continue to get charged finance charges and late fees which resulted in my account being negatively impacted due to their error. 

Why would XXXX continue to charge on a balance that was paid in full prior to the due date. 

I called the company and they were less then helpful and told me the only thing they could do is direct me to the credit reporting agencies to dispute. I was not allowed to speak with a supervisor or enter in a complaint. 

I am disputing the finance and late fees and ask that they restore my account back to good standing which would include, credit rating, restoring my interest rate as well as my credit limit. 

I have attached the billing statement and the transaction history
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX oXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Product: Credit card

ELAN Financial service reported me 30 days late. I have made payments with them. I also informed them that I had a house fire and ID theft. I would like this late reporting removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been disputing incorrect items on my report. I was told an investigation was being conducted but items weren't deleted off my report while the investigation took place and I never received correspondence of who they spoke to or any information I requested. I sent all letters certified mail and got confirmation they were received. They keep " updating '' the account but it is still reporting incorrect information and they won't correct and delete these items. These negative incorrect items has prevented me from obtaining credit to purchase a home and obtain credit. I never get any documentation of requested information, just a copy of my credit report. The collection accounts have be proven to be reporting fraudulent or incorrect, they were delted but the collection company sold it to another company, and it should back up on my credit report and no one is really investigating my disputes. Just updating what is already on there, XX/XX/XXXX, XXXX XXXX '' XXXX '' XXXX, and XX/XX/XXXX XXXX XXXX  {$760.00} XXXX XXXX XXXX, XXXX, and XXXX, Equifax-told me on several occasions that they investigated this matter but it still listed on my credit report as XXXX XXXX I had gap insurance on this vehicle I no longer owe them, which the company has cashed out on. 
XXXXReporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitting Personal Statement is notoriously difficult by design.

Deliberate and systemic system to keep credit scores low for the benefit of banks and lending partners. 
Malicious compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete this account Immediately!!!!
Product: Credit card

I made a purchase at Best Buy with my Citi Bank card on XX/XX/XXXX for {$1900.00}. I set up automatic payments for the minimum due every month, besides I make bigger payments, and I requested Citi Bank to allocate them to my promotion. None of my payments last year were applied that way, and when I called Citi Bank, they said it was too late, after that they supposed to enroll me in a plan where any excess after the minimum would be applied to the promo. It didnt happen. This year alone I had made {$1700.00} in payments besides the minimum payment due every month and Citi Bank refuses to allocate them to my promo, they say its too late, but Ive been calling them over and over for the same issue. Promo expires XX/XX/XXXX and according to them I still owe {$980.00}
Product: Credit card

I am working with XXXX XXXX XXXX XXXX. They submitted a proposal to Santander bank for a credit card I have with them. Please see detailed contacts below : XXXX XXXX proposal was rejected due to recent activity. XX/XX/XXXX wasnt eligible until XX/XX/XXXX. Submitted proposal in XXXX. 

XXXX XXXX XXXX XXXX into acc office- proposal accepted. Interest rate reduced to 5 %. Next due date XX/XX/XXXX. I have recording of this call. 

My balance and interest rate arent being calculated accurately. I continued to be charged a XXXX % APR on account despite Santander accepting agreement of 5 %.

Called Santander- they assured me this would be reflected on next statement. It wasnt. 

XXXX XXXX we called Santander XXXX in customer service who transferred to collections. Spoke to XXXX. She transferred to another collections rep and call was dropped. 

XXXX XXXX I called into acc spoke to XXXX XXXX Contracted XXXX XXXX at Santander left vm. She was contact person at collections dept. We asked for a call back. 

XXXX another accepted proposal on XX/XX/XXXX from Santander. 

XXXX I called into acc- we contacted santander. Confirmed APR of 5 %. Was told balance would be adjusted and credited for the incorrect interest I was charged previous months. 

XXXX XXXX I called into XXXX. We spoke to XXXX. We asked for statements from XXXX and XXXX. We asked to put in dispute. We were hung up on. 

We submitted email to XXXX on XX/XX/XXXX. We havent received anything back Submitted another email on XX/XX/XXXX to review account again. XXXX wasnt reduced. Indicated statements were not correct. Provided limited power of attorney and all contact info. We never received email back. 

XXXX XXXX XXXX XXXX to me directly. Email saying they were investigating account and should hear back in 30 days. 

XXXX XXXX spoke to XXXX XXXX XXXX XXXX XXXX confirmed that everything was fine and 5 % XXXX with Santander. XXXX payment posted. XXXX waived late fee. 

Santander sees 5 % but is contradictory to what is showing in statements XXXX XXXX sent in statements. IT looked into email no email from Santander. XXXX from IT confirmed that in no systems did we Rec anything from XXXX XXXX XXXX XXXX from acc talked to XXXX from Santander. XXXX stated XXXX is fine and is being charged 5 % but couldnt give us last interest charge. XXXX this is only av with customer service dept. 
Said XXXX was past due {$580.00} which is inaccurate bc account was re aged in XXXX. 

XXXX XXXX tried to submit another dispute w XXXX XXXX XXXX XXXX ( number on dispute email that Santander gave us ) Cant submit any more disputes. Cant see account, run around upon contact. 

I have a very detailed list of contact made to Santander to fix this issue. I have been charged incorrectly for over a year ( on the interest rate that was agreed to ). Despite making monthly payments my balance has continued to increase and the XXXX on my statements is still incorrect which reflects an inaccurate account balance. Ive paid over {$2400.00} to Santander this past year yet my balance is higher now then when they accepted the proposal made by ACC.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXX/XX/XXXX not my account never applied or did business with this account XXXX XXXX XXXXXX/XX/XXXX never applies for this account this is not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXXXXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXXXXXX XX/XX/XXXX not my account XXXX XX/XX/XXXX not my account XXXX XXXX XX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account XXXX XXXX XXXXXX/XX/XXXX not my account INQUIRIES : 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  LATE PAYMENTS : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX