23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the United States Bankruptcy Court in  XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX XXXX and Transunion, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.
Product: Checking or savings account

I wanted to transfer XXXX from my savings at Marcus by Goldman Sacks to my daughter. I linked her account to mine successfully by supplying account and routing #, login credentials, and answers to three security questions. I executed the transfer and the funds left my account, Marcus said completion would be 1-2 days. 

The next day, XX/XX/24, I received an email from Marcus asking me to call them. At XXXX I called. I was " verified '' ( last XXXX of social, XXXX, secret word ), transferred, re-verified, over and over, verified on a land line with a code, and no one knew why they had asked me to call in. After XXXX minutes I was finally told the transfer would not proceed because, although their online interface had allowed me to link her account, I was only allowed to transfer to accounts in my own name. I complained that their interface should not have allowed the link and ended the call.

I then tried, online, to make the transfer to my local bank, to an account in my name, already linked to my Marcus account. At the final step I was told to call their main number to complete the transfer. At XXXX I called and after XXXX minutes of total frustration it was clear that the transfer wasn't going to happen. The agent couldn't or wouldn't do it. Before ending the call I asked her to note that " XXXX XXXX ( me ) would like to transfer XXXX from his Marcus account to his local ( XXXX, a linked account ) bank. '' The next morning. XX/XX/24, the transfer had not been made and still could not be made online. I got the same " call this number to make the transfer '' message. I gave up on accessing my Marcus funds and made other arrangements. 

Still, my account needed to be cleared, I needed access to my funds. So, at XXXX today, still unable to make the transfer online, I called Marcus and suffered XXXX minutes of total frustration. I was told there was a hold on my account, they could not tell me why, and that they could put a hold on my account at any time for any reason or no reason. Although I was verified every which way, they claimed they could not verify me, had no other way to do it, and would just keep my money. They were going to look into it somehow, but they were maintaining that they had no further way to " verify '' me, so either they do, but refused to do it for me then, or they don't, and no amount of review could change that. 

Simply put, MARCUS IS DENYING ME ACCESS TO MY FUNDS AND WILL NOT SAY WHY.
Product: Vehicle loan or lease

I have written to XXXX on a minimum of three occasions requesting proof that I was ever late in my payments and they have not provided me with a pay history from the beginning of the account opening. These late payments being reported are harming my credit profile and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight manager. When I moved in there was never a walk-through. The new manager charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for paper trail. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the manager that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last 5 years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done XXXX which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The manager that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a manager by the name of XXXX! Essentially shes the one that incorrectly charged me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX, I closed my account with Bank of America, and as of today XX/XX/XXXX, it has not been closed ; it is still in closing status. For obvious reasons, I have not received my balance from that account.
Product: Debt collection

I dont know what debt this is regarding but I get at least 6 phone calls a month from Genesis and I would like it to stop.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, XXXX and TransUnion about unauthorized credit inquiries on my credit file. I have not benefited from any of these unrecognized credit inquiries. I have filed a complaint with the FTC and received a report number.
Product: Credit card or prepaid card

I had a credit card with American Express account ending in XXXX and they sent me a letter around XX/XX/2021 and it was a letter about pay over time option but gave me the option to opt out. I called and opted out first thing and they assured me I would never be charged interest. 

Unfortunately, they did start charging me interest and for the most part they reimbursed most of it. But there were four charges of interest that they never reimbursed me for. I should have never been charged interest and they should have made the adjustments all of them but they have refused repeatedly. I even have printed out a chat that they blatantly say that because I was late on my last bill they will not adjust the account. I explained that the late fee of {$170.00} was to cover it being late and has nothing to do with the interest charges since I opted out that should be considered fraudulent charges in my opinion. 

The dates and amounts of charges are as follows : XX/XX/2021 XXXX, XX/XX/2021 XXXX, XX/XX/2021 XXXX and XX/XX/2021 for XXXX this totals {$280.00}. 

Please help me get the adjustments made to my account so they can send me a check.
Product: Credit reporting or other personal consumer reports

These XXXX  Accounts have violated my rights According to FCRA ; 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. 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED! 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Product: Vehicle loan or lease

This has been an ongoing struggle with Flagship Credit Acceptance for a long time to get this straightened out and interest etc has been piling up while attempting to resolve several issues that I am having and have had with this company. I have made several attempts to talk with an accounts manager but have been given the run around ever single time!!!! I ask them to review recordings of past conversations but they somehow are not to be found or no record of the conversation. This company refuses to correct their mistakes and I bear the punishment via interest, fees, etc.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XX/XX/XXXX Listed below are the Accounts that are being challengedXX/XX/XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXXXX/XX/XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

ATTN : Equifax I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX Banks Account number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX/ XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau. 
Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction. 
Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

American Express keep sending me correspondence to my address and I want this stop for good Number one I never applied for American credit card not interested Im on XXXX someone stolen my identity Number two they are sending me offers in the mail I want it stop or im taking legal actions Number three they are sending me statements for a delta gold skymiles card I want them to stop sending me statements and bills to my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.
Product: Checking or savings account

On XXXX XXXX accidentally charged my account {$180.00} to my debit card. I didn't realize it had been charged, however, it created a hold on my account which caused my available balance to fall below {$0.00}. On XX/XX/XXXX, when I checked my balance, I saw I had 3 fee listed as " Paid Hold Item Fee ''. When I called the customer service line, the agent did not know what this fee was, however, when she got clarification, it was a form of Overdraft fee. I was advised that this should not have been charged due to the charge only affecting my available balance but not my current or ledger balance. I was then told if I wanted to get the fees reversed, I would need to talk to the branch, since any fee rebate comes out of the branch 's budget. I then talked to XXXX at my local branch in regard to this matter, while I was on the phone with her, XXXX once again charged my account {$180.00}. This charge was for the same transaction creating a duplicate hold on my account. I put money to cover these charges right away as I did not want my account to go negative, and XXXX told me she needed to investigate this and would follow up with me on XX/XX/XXXX. On XX/XX/XXXX, the charge XXXX charge from XXXX fell off the account and did not go to my ledger balance. 
On XX/XX/XXXX, XXXX contacted me stating that these fees were Overdraft fees caused by my available balance going below XXXX and that she would return one of the 3 fees, but no more because I have a " History '' of getting fees back. I advised her that I had been told by multiple Webster Bank employees that in the instance where a transaction caused the available balance to fall below XXXX fell off the account, any fees associated with that transaction would also be returned. XXXX brought this to her District Manager, XXXX, who told her to return XXXX more fee, but not all. I told her I would like XXXX to call me. XXXX said XXXX should get back to me within 24 hours however she also provided me with her phone number in case something went wrong. I gave it the 24 hours and then attempted to call XXXX. I left a message, and then gave it two days and tried again. It took until Monday, XX/XX/XXXX for XXXX to call me back. 
When XXXX finally called me back, she acted like I was an annoyance right from the start. Her position was that because she had refunded me fees in the past she was not going to refund me the money. When I pointed out that on my statement, there is no evidence of an overdraw because of the duplicate charge and the first falling off the account, then asked her to associate the fees to a charge, her response was " Well I can only assume you went over on your account. '' But there is no evidence of that. 
I then asked her to connect me with her Regional Manager. She reportedly escalated me to the office of the President of the Bank, however I'm not holding my breath.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Student loan

I have XXXX XXXX XXXX loan XXXX. I have no way to contact them directly and wonder if the statute of limitations has expired. I can not get a response from them. I don't know if I am part of the XXXX   lawsuit but they are now trying to sue me, they've filed a civil complaint against me. The loan is from 2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve several matters including incorrect addresses, inquiries added back to the report after being removed and the continued failure of Transunion to exclude an account from bankruptcy. I initiated disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXin which I asked the CRA to correct erroneous information regarding an account reported on my credit report. The account was paid and closed due to it being traded in for another vehicle two years prior to me filing bankruptcy and Transunion insists on including it in bankruptcy which was not filed until XX/XX/XXXX. The most recent results from the dispute issued on XX/XX/XXXX still show the account in bankruptcy when it should not be. The partial account number is XXXX**. Also, there is an address of XXXX XXXX XXXX XXXX AL XXXX reported that I have advised on each of the above dates to remove. They advised it was done on each occasion when it was not. Finally, a glitch in their system occurred in XX/XX/XXXX where inquiries were removed and placed back on the report without me being notified. I would like these inquires removed : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual consumer report from Chex Systems, XXXX XXXX XXXX and XXXX. I would like Chex Systems, XXXX XXXX XXXX and XXXX to mail me a complete copy of my Chex Systems, XXXX XXXX XXXX and XXXX XXXX report.