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

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Ac t ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Mortgage

I have been in the process of trying to repair my home for a month now. With current regulations the mortgage company holds all funds from the insurance company to make the repairs. During this process I have been told daily that the funds would be released to my account so that I can pay the contractors. I am now 3 business days past the original date I was told. The company is unresponsive and gives the same answer but offers no solution and will not follow up on their word. Dovenmuehle has been in possession of the insurance check for two weeks now and has yet to release a dime. I have completed all paper work and they have stated that the funds should have been available to me.

I have called multiple times and I get the same answer that they will be available tomorrow but it never happens. I am beginning to believe the company is fraudulent and I am being scammed out of $ XXXX in home repairs. I am now paying contractors out of pocket and will be negative in all my accounts causing more headache and fee 's all because this company does not care about the consumer/customer and has taken an excessive amount of time in completing the simplest of tasks. The LOSS DRAFT DEPARTMENT should be investigated.
Product: Credit card or prepaid card

I applied a credit card with PenFed and was given a bogus reason for denial : " We do not grat credit to any applicant on the terms you requested. '' I called PenFed and they admitted it is a system glitch and asked me to provide a written request to have them re-process the application. 

XXXX XXXX from XXXX XXXX XXXX team told me they won't reconsider unless I provide documentation. The problem here is that XXXX XXXX did not take time to read my request and gave me a boilerplate text reply.
Product: Credit card

on XXXX/XXXX/2015. i obtain a copy of my credit report and I saw an inquiry made by a company name mid america Bank XXXX XXXX I called the company in XXXX, but they refused to cooperate. The company has engaged in identity theft and has pulled my credit without my consent. I have not applied for a credit card, nor try to obtain any goods from this company. So I decided to file a complaint, The inquiry shows up onXXXX credit report.
Product: Debt collection

I have disputed many times and they refuse to remove a medical bill off my credit report the amount is {$930.00} per the CFPB CFPB 's Recent Rule Eliminates Medical Debt from Credit Reports. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) published a final Rule ( the Rule ) that prohibits consumer reporting agencies from including individuals ' medical debt on consumer credit reports. 

AR RESOURCES INC refuses to remove a medical bill off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX  via XXXX and it has been set up on auto pay since I opened it. I was unable to upload the supporting documents when filing a dispute with expierian. I obtained the documents from my user portal on XXXX XXXX website that shows the last payment recieved on XX/XX/XXXX. And next payment due XX/XX/XXXX. Experience closed the dispute within hours of me filing with no change to my report likely because their website would not allow me to attach the documents.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, I linked a new bank account with my Marcus account and requested a transfer of {$120000.00} to the new account. They contacted me today ( XX/XX/XXXX ) wanting to verify the new account. I had to contact my new bank and authorize them to speak with Marcus Bank. After everything was verified, XXXX from Marcus Bank told me that my transfer was being disallowed because the account I was requesting the money to be transferred to was opened less than 90 days ago. There is no rule that I have seen or that anyone of the people at Marcus Bank could steer me to to show me this is their policy. I subsequently spoke with XXXX, then XXXX, then XXXX, and finally XXXX with Marcus Bank. I asked XXXX to show me where it says in their policy that transfers can not be made into newly established accounts and she referred me to their rules which says absolutely NOTHING about an account needing to be greater than 90 days old in order to transfer money. Not only did they refuse to complete the transfer ( after thoroughly verifying that the account was legitimate ), they refuse to put the money immediately back into my account as I now wish to close it over the poor customer service I experienced with them. I think this is totally unjust and that they are withholding my availability to my money without cause. I have been a longtime customer of Marcus Bank, but will close my account immediately once I have access to my money. This is poor customer service and I feel they are unjustly keeping my money after they made me go through the trouble of verifying that my new account is actually my account. All of these conversations took place over the phone so I do not have anything to attached. I did take everyone 's name that I spoke with though. XXXX refused to let me speak to anyone higher up in authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unverified accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Product: Debt collection

I entered a consumer credit transaction with MACYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that MACYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. MACYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting or other personal consumer reports

BRIDGECREST CREDIT COMPANY  : XXXX - Balance : {$16000.00} My rights have been violated regarding 15 USC 1681 ( g ), I have not been provided with the proper disclosure. I demand that these items be removed from my consumer report immediately.
Product: Checking or savings account

I'm the administrator for my husband 's estate. He died XX/XX/20. All of his assets ( savings and investments ) had designated beneficiaries, one of which is a minor. 

Citizens Access, one of the banks involved, refuses to allow transfer of funds for the XXXX year old without a probate court order. Probate court advised us no order needs to be issued as all assets had named beneficiaries. Citizens refuses us access to his account and will not allow us to even view statements nothing without a court order that will never come. Probate filing costs {$400.00} plus legal fees for a filing which the probate court says is unneeded. 

Citizens reply is : probate court order or NO access. 

I, as administrator, am responsible for the handling of this estate. 

How do we resolve this?
Product: Debt collection

SUNRISE CREDIT SERVICE Account Number XXXX Dear SUNRISE CREDIT SERVICE, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$240.00} to XXXX XXXX XXXX However, I am disputing this debt for the following reason ( s ) : SUNRISE CREDIT SERVICE is violating your consumer rights by using false misleading, misrepresentation and deceptive means. SUNRISE CREDIT SERVICE has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I made a purchase with my capital one debit card on XX/XX/XXXX with XXXX. The merchant claimed they never received my money I contacted XXXX and they told me to contact my card issuer. The only answers they had were for me to file a claim. After filing a claim they reimbursed me, and I made the purchase with the merchant again. Now months later they have reversed the claim and emptied out my debit account resulting in a negative balance. I submitted proof from the merchant that they never received payment and capital one still refuses to open the claim back up.
Product: Credit card or prepaid card

i purchased a XXXX XXXX ticket on XX/XX/XXXX for my wife using TJmax reward credit card. due to pandemic the flight was canceled more than one time, for that reason XXXX XXXX gave me two option either i can get refund or get Travel Voucher for 2 years of expiration period and additional {$60.00} add up to my ticket value. 
i choose to receive travel voucher up to 2 years expiration period. 
now XX/XX/XXXX, i choose not to travel so, that reason i called the XXXX XXXX about my refund on XX/XX/XXXX they said " you will get refund on your card which you use to buy the ticket, you just have to give us about 14 business days to receive a refund ''. i waited a month but still not receiving the payment.

i decided to call my TJmax credit card customer service, now they are saying that in my statement they did not see any transaction, i told them i still have copy of the ticket it's clearly showing that i made a purchased using the TJmax reward credit card because the last 4 digit of credit card number match and the other thing is i made a payment on my credit card from my checking account twice after i purchased a ticket, how did that happen? if i did not use your card to purchase a ticket? i have all the proof, while i was talking to TJMAX customer representative middle of the call she said i'm sorry we are having technical issue and then she hang up on me. after the call i talked to XXXX Airway customer representative she said the refund was made already.I NEED A JUCTICE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i only authorize for 1 auto company to run my credit which was XXXX XXXX ( XXXX XXXX, XXXX  ). However, there is multiple auto loan that ran my credit without my permission, they are listed below. 
CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX XXXX, XXXX, and Experian about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$860.00}, XXXX, XXXX XXXX XX/XX/XXXX {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus Transunion is reporting XXXX XXXX acct # XXXX XXXX is reporting XXXX  acct # XXXX This information is incorrect and should be deleted by the remaining bureaus
Product: Money transfer, virtual currency, or money service

I'm writing to voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPD case that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They did let me know that it would be impossible to get my money back and that it would be impossible to follow these transactions. According to the CFPD 's conclusions, Zelle has not only failed to protect customers, but has also made it easier for criminals to take advantage of the system, leaving users open to fraud. Consumer safety is seriously threatened by the inexcusable lack of transparency and accountability.
Product: Vehicle loan or lease

I send follow letter to Westlake Financial Dear Sirs ; Last XXXX / XXXX2020, I spoke with 2 customer service agents, and nobody supported me in my request, the first person hung up on me, Agent XXXX XXXX, and the second character, I don't even remember the name, by the way he does not speak Spanish very well, he was a man who informed me emphatically that they CAN NOT HELP ME. 

This day ( XX/XX/26-2020 ) I spoke again, to request help, in the sense of the EXTENSION OF 2 MONTHS of payment of my credit, I have been without a job since last XX/XX/2020, to date ( COVID-19 ) I have been punctual with my payments, but I am like a good percentage of the world population, with financial problems due to lack of income. 

So in the most attentive way, I ask you to approve the extension request, so that the lack of payment does not affect my credit record. otherwise I will find myself in the painful situation of stopping paying the credit and going to whoever is competent to denounce the lack of support from Westlake Financial. 

Sincerely, XXXX XXXX
Product: Student loan

I worked with a company called Premier Student Loan Center. They honestly did a great job getting my payments very low. After almost a year and a half of paying them, I started to hear about how this company might be a scam and that I should probably look into it more. I reached out to my student loan lender ( XXXX ) and was advised to file a complaint because it did not appear to be legal/legitimate. 

I filed my initial complaint, here, through this website in early XX/XX/XXXX. I heard from Premier Student Loan Center on XX/XX/XXXX. They wanted to speak to me about my complaint. After our very thorough conversation, the gentleman I was speaking to offered to give me a refund going back to the date I started paying them XXXX XX/XX/XXXX ). He said it would be for a total amount of {$1600.00} and to look out for it in the mail in 5 to 7 days. My complaint on this website was updated from Premier Student Loan Center showing that as well. I closed out the complaint and was happy with their apology and my refund for the inconvenience. 

I received the check on XX/XX/XXXX, and deposited it that same day. The check cleared with my bank on XX/XX/XXXX. Over the course of a few days, I spent half of the money to pay various bills and expenses. On XX/XX/XXXX, I woke up to my account being - {$1000.00}. I called my bank right away and they were able to find out that the funds were returned due to a frozen/closed account. I called Premier Student Loan Center several times this day. The phone ring and ring and went to voicemail ( as a matter of fact, it kept saying to call back during normal business hours even though I was ). I also sent a follow-up email to the gentleman I was talking to ( on the XXXX ) asking about why the check was returned. I also called their bank that the check was written on and the rep said that all she can tell me is that the account is frozen and I need to reach out to the company that sent the check. I found out that the company written on the check was closed after doing a quick good search. As of XX/XX/XXXX, I have heard nothing back from Premier Student Loan Center in regards to this refund check. 

All in all, I believe that they sent out the check to make me happy enough to shut my mouth and to close the complaint that I had originally filed ( which by the way, they responded to by saying they will submit a client refund ). I truly feel like they sent the check knowing the account was closed and that I would never see that refund. Shame on them for scamming people this way. Do not do business with them. You are better off working things out with your lender directly.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my credit report. I have no association with the listed creditor and did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still refuse to uphold the law that applies to them.Experian deletes then reinstate a account that does not belong to me back on my credit report .my next step is to have the IRS in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated the Fair Credit Reporting Act when they provided these companies with my credit report without my consent or knowledge XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX