23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

This company mariner finance is currupt.Inaccurately reporting my account as charged off.I had COVID very bad I called and let them know they put me on a deferment for XXXX months I wasnt due to make a payment but tried anyway it bounced. They said even though I had a deferment and tried to make a payment and it bounced and a payment wasnt due it voided my deferment.I thought I was doing goodwill for trying and all my other bills were also coming out abd wasnt working.I wasnt able to answer the phone they filed a judgment against me in court.i was never XXXX  days late for them to do that and they are inaccurately reporting on my report.I made up the missing payments and attached my payment history there were never any long gaps of no payment since them reporting my charge off in XXXX u see my payment history says regular payment non late for XXXX already pay XXXX percent with this company had multiple loans in past always a good customer.Please delete this fully from my credit inaccuracies require deletion.They prey on innocent consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Back in XXXX of 2022 I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX. XXXX was successfully able to dispute and block the fraud account which is XXXX XXXX BUT Both XXXX and Equifax still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Product: Checking or savings account

On XX/XX/2023 I went to a BECU atm at XXXX XXXX XXXX XXXX and deposited {$920.00} cash. The atm accepted my money and it was rotating internally for several minutes, the atm errored out and restarted out of order. The atm then after several minutes returned to being active and in working order. I immediately called becu as this was happening. They submitted a form for review, apparently this form had the wrong address originally and several days later when I inquired they resubmitted and gave me a provisional credit. I then noticed they took back the credit and my account was now a negative balance. I called them and they said they did a review and there was no issue with the atm and it balanced. There is no way this could be true. 
They just took my money and there was no resolution for me other than to accept that BECU took my funds and I had no recourse.
Product: Prepaid card

I have an American Express Serve Prepaid Account, card number XXXX and XXXX sub-accounts. XXXX of my sub-account holders is XXXX XXXX. 
The sub-account card for XXXX XXXX was lost and I promptly called the American Express Serve customer service number to report the card lost and also notify them of the unauthorized transactions found on the account online. 
There were XXXX posted unauthorized transactions at the time of my call, from XXXX different mechants, for the amount of {$1700.00} and they were disputed. I was sent a dispute declaration form on Friday XXXX/XXXX/2015 which I filled out and sent back by fax, same day. 
To my surprise, I received an email from American Express, stating that my Serve account has been suspended, and all my sub-accounts closed. I also got an email saying my disputed transitions ' claim was denied and never got my money back. 
The case for unauthorized transactions was reported Friday, and by Monday morning, American Express has concluded their investigation and denied me fair hearing, as stipulated by the banking laws. 
I Calle the Merchants in question, and some of them never got a call or Email or mail from American Express, regarding my case. So the question is, what was investigated?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX TOYOTA MTR XXXX Late Payment XX/XX/XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

This is mostly FYI, so something can be done to force changes that will fix a bigger issue with this company. 

Chase Credit Cards have a " leak '' in their email system which causes emails for a credit card to go to an email different than the one on file. 

This is an issue I have dealt with since Chase took over XXXX XXXX accounts. That is almost 10 years! 

The latest issue involves two different credit cards [ both business cards ], one is a brand new card we had to apply for after a year and a half of no resolution from Chase for the same issue. 

Issue : Brand new card, went online, setup new login for new card, set up new alerts for new card. Not getting alerts. Went digging, found all the card alerts in a COMPLETELY DIFFERENT email account. Called Chase, verified the email on file for alerts, told them the alerts are not going there. Told them to remove any other emails associated with that card and that card 's alerts. They are working on. 

Had the same problem with previous business credit card from Chase. After a year and a half of trying to get resolved, we finally had to just close the credit card and apply for a new card. 

Have the same problem with another credit card for a different business. This week had to call to cleanup the information I was seeing on line but could not edit. They had to edit from their end [ for items I should have been able to edit myself ]. They had to completely remove an old credit card that had been a XXXX XXXX card that had been closed for years and should not have even still been in the system. Then they had to update emails, phone numbers, etc. Then they said it would take 24 hours for the system to update and to call them back if still problems. A few days later I went back in, setup the alerts with the correct email and got " Alert Activation '' emails to THREE different emails. I only used ONE! Had to call back to have them explain why their system is sending to three different emails when TWO of those emails are not even in their system any more. Still waiting for a resolution. 

I would have hoped that with new cards, this issue would be resolved. Nope! 

Someone needs to go into Chase and make them cleanup their systems to resolve this problem. Surely I am not the only one that has email notifications going to the wrong emails, and I have had this issue on at least 5 different cards. At one point, we made an email change online and received an email verification with a DIFFERENT BUSINESS name than ours. There is a huge association error inside Chase credit card systems.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 


Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies in my consumer file with LexisNexis Risk Solutions. I have identified the following issues that need immediate correction : Identification Records : The only name I wish to have displayed is " XXXX XXXX XXXX, '' and all other variations, such as " XXXX XXXX XXXX '' and " XXXX XXXX, '' must be removed. 

Address Variations : The only valid address associated with me is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' All other addresses are incorrect and should be removed. 

Phone Number Variations : The only phone number I want associated with my file is " ( XXXX ) XXXX. '' Please remove all other phone numbers. 

Address Characteristic Record : The only address that should be listed is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The valid business name associated with me is " XXXX XXXX XXXX XXXX '' and the correct address is " XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX. '' Please remove all other business records. 

Professional License Records : All professional license records are incorrect and should be removed. 

Insurance Policy Records : Remove all insurance policy records as they do not pertain to me.

Automobile Insurance Claim Records : Please remove all automobile insurance claim records as they are incorrect.

Department of Driver Services Records : Remove these records as they are inaccurate.

Driver License Records : The driver license records associated with my name should be removed.

Inquiry Records : All inquiry records should be deleted as they were unauthorized.

I request that LexisNexis investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and provide me with written confirmation of the corrections. I also request a copy of my corrected consumer file once the changes are made.

Please note that if these issues are not resolved within the required timeframe, I will pursue legal remedies under 15 U.S.C. 1681n, which may include seeking damages and other legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Bank of America says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because bank of americas customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.
Product: Credit card or prepaid card

On XX/XX/2019, I returned from overseas, to find my Comenity Capital Bank Mastercard was missing. I immediately checked my account online to find that charges totaling {$640.00} had been made, primarily to an XXXX online store for {$380.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. I advised Comenity that I was reporting fraud, the card was cancelled and a new one issued. My notification to them was on XX/XX/XXXX and yet my statement reflects an XXXX charge on XX/XX/XXXX. When I called Comenity on XX/XX/XXXX, I was told that I did not need to call XXXX as they would do it as part of the investigation. I received a letter from them on XX/XX/XXXX stating that my fraud claim is denied as they can find no basis to support my claim. That was the extent of their explanation, except to add that the more than {$600.00} in charges would be put back on my account. I called XXXX after receiving the letter. There were 3 credit card numbers issued to me before and after this fraud occurred. XXXX looked under all three credit card numbers, under my email address, and could find no order number, no tracking number and my email was not in their system. I had looked through all my emails-no record there. XXXX told me that the credit card company should be able to track the charges made, but I received no explanation that they had done so. I appears that there was no investigation. XXXX had no record of speaking to Comenity. Comenity never called me to follow up, other than the form letter they sent. I called the  number they gave me if I have any questions regarding the investigation, and after waiting on hold for 15 minutes, I began to discuss this with the representative that answered, and the phone connection was cut. I have laid all of this out in a letter to the company, sent to the address they directed in their letter. I also advised them that I was contacting you as this seems to me to be suspect. What kind of company sends a form letter that tells the victim of fraud no details of what they base a decision like this on. Either I was defrauded or I am committing fraud. Without anything to justify their position that I owe this money, I have appealed their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago.  What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX SYNCB/LOWESCML ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called XXXX on XX/XX/, and filed a complaint about this matter.
Product: Credit reporting or other personal consumer reports

A representative from XXXX  told me that I would not get a hard pull in my profile. She assure me it would not be a hard pull this is really affecting my mental state.
Product: Credit reporting or other personal consumer reports

Dear Capital One Customer Service, I hope this letter finds you well. I am writing to bring to your attention my current financial situation and request accommodation under the CARES Act regarding late payments reporting on my accounts. The affected accounts are as follows : 1. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am facing financial hardship due to circumstances beyond my control. Unfortunately, I was laid off from my job as a result of contracting XXXX. The impact of this unexpected situation has made it challenging for me to meet my financial obligations, leading to the reported late payments on the aforementioned accounts. 

Understanding the provisions outlined in the CARES Act, I kindly request that Capital One consider accommodating my situation by removing the late payments from my consumer report. I believe that this accommodation would better reflect the extraordinary circumstances I faced during the mentioned months, and it would provide me with the opportunity for a fair assessment of my creditworthiness. 

I understand that Capital One values its customers and strives to assist them during challenging times, and I am hopeful that you will consider my request favorably. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I received an email stating that NewRez was going to raise my Escrow to pay insurance with NO supporting reason nor documentation.

I called the third week of XX/XX/XXXX and XXXX  times from XXXX to XX/XX/XXXX. Ive talked to XXXX different Customer Service people XXXX different times and each committed the Escrow error would be corrected.

I sent an email to Customer Service and I sent a Registered letter via USPS to NewRez XXXX and NewRez XXXX 

To date, after XXXX  months, the error has NOT been corrected and Ive received absolutely NO response from NewRez... XXXX!!!!
Product: Credit reporting or other personal consumer reports

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. 

Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. 

In the event that you persist in declining my position, I am prepared to take legal action by contacting my attorney to pursue a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the letter of the law. Please have these accounts removed from my records. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2006 with an amount of {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g.

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX