23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX : Urgent Complaint Regarding Unprocessed Refund for Canceled Pre-Sale Necklace Purchase** Dear Macys, XXXX, XXXX XXXX XXXXXXXX I am writing to express my deep frustration and disappointment regarding the unprocessed refund for a pre-sale necklace purchase that I canceled promptly but have yet to receive my refund for, despite numerous attempts to resolve the matter. 

On XX/XX/year>, I pre-purchased a necklace as part of a special pre-sale event where all jewelry was 65 % off for a total of {$260.00} The pickup for this item was scheduled for XX/XX/year>, to coincide with the start of the sale event. As per the terms of the pre-sale, my funds were supposed to remain on hold until the pickup date. 

However, on XX/XX/year>, I decided not to proceed with the purchase and went to the store to cancel my pre-sale order. Unfortunately, despite my prompt cancellation, the funds were removed from hold and processed by my bank hours before my cancellation. 

After waiting XXXX calendar days without receiving my refund, I reached out to both the store and my bank multiple times. It has now been over XXXX calendar days, and my refund is still unprocessed. Despite providing proof of the cancellation, including receipts and communication with the store, my disputes have been repeatedly denied. 

The store has confirmed that the cancellation was processed on their end and has pointed the blame at the bank. Meanwhile, the bank insists they never received the funds from the merchant and is placing the blame on the store. I am now stuck in the middle of this situation without my money and with no resolution in sight. 

I am requesting immediate action to resolve this matter. Please process my refund as soon as possible, as this delay and miscommunication are unacceptable. I expect confirmation of the refund process within XXXX business days, or I will be forced to take further action, including filing formal complaints with consumer protection agencies and seeking legal advice if necessary. 

I appreciate your prompt attention to this matter and look forward to your swift resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Captial one Account # XXXX Account # XXXX has violated my rights. A15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello.

I am writing about a student loan that has been paid in full for over 2 years now.

The account status from just Equifax appears as " Open '' and in " good standing '', with a balance of {$760.00}.

I have filed 4 disputes, which were quickly returned with the results indicating everything is correct ...

I have provided official loan fulfillment letters from both the college and loan servicer company indicating there is no balance, and it has been closed long ago.

I have spoke with representatives from Equifax on the matter as well, and was told that my dispite will not be personally reviewed.

There MUST be a technical issue, which has caused me to chase my tail for far too long.

I have all the documentation on demand ; i will also attach it.

Logically there is no way this account is still active, as I have not made a payment in over 2 years!

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting hard inquiries that don't belong to me and were not authorized by me. 

Here is the list of inquiries : 1. XXXXXXXX XXXX ( Bank ) XX/XX/2022 2. XXXXXXXX XXXX ( Bank ) XX/XX/2022 3. XXXXXXXX XXXX ( Bank ) XX/XX/2022 4. XXXX XXXXXXXX XXXX XXXXXXXX ( Retailer ) XX/XX/2022 5. XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.
Product: Credit card or prepaid card

XX/XX/2021 pre approved for {$20000.00} of credit from Upgrade. No outstanding documents are required. 

I called as the email suggested. The Upgrade service representative asked me for additional information including my tax returns. 

I declined as the represented pre approval with the credit checks they performed and asked that my application be withdrawn. I was told it would be. I sent a note to the service email address the same day, XX/XX/2021. 

XX/XX/2021 I received another notice asking that I call Upgrade as I am pre qualified for a personal loan. I sent my third note asking that my name be unsubscribed and again asking that my application be withdrawn, thinking the matter was closed. 

XX/XX/2021 I received a notice from Upgrade saying my request could not be approved at this time. 

What kind of nonsense is this? Its not factual. Its not appropriate or consistent for the offerer to play pretend that I withdrew my application 4 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX  XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the co-signer of my daughters XXXX  loan with XXXX XXXX. Last year XXXX we reach out the when we found out my daughter would not be able to pay the full amount now that XXXX was over. She was paying {$420.00} per month and her new amount would have been {$820.00} per month starting XXXX. At that time she was unemployed and I had just retired so I couldnt help her. We were told theres nothing they can do until it goes to the collection dept. Meanwhile everyday they would call and I would tell the the same thing. My husband died in XXXX and I ask them to give us some time to grieve and get our finances together which they didnt because they were calling everyday and I ignore the calls. Finally I buried my husband in XXXX. In XXXX I finally responded to one of their phone call. I was told I was being referred to the account manager. We spoke. He took some information from me. He said I can put you in a program but you would have to pay XXXX consecutive payments of {$480.00} for the next XXXX months and then after that for XXXX years at a lower interest rate. I agreed and thought ok thats that. I notice I was still getting the phone calls but I ignored them because I know they have been getting the payments. Then my bank sent me a notice there was a drop in my credit score because of delinquent payments. I was surprise because I know they were taking out the payments monthly. I reached out to XXXX XXXX was told dont worry about it it will clear up after XXXX because thats when youll be finish with your third payment. XXXX come I go to apply for a car loan was denied because of recent delinquent payments. When I check my report there were XXXX delinquent payments because of there are XXXX loans. As a result I had to pay {$2000.00} extra to get a car loan because my credit score took a big hit because of what they reported. When I finally spoke to someone regarding what happened the only thing I was told was whoever I spoke with gave me wrong info and theres and outstanding balance that I need to pay to get me uptodate and stop the delinquent notice. That mistake cost me XXXX  of dollars and will be on my credit report for awhile. What about accountability. At no point in time did anyone that I spoke with mention me having to pay additional money to bring my account up to date until I reach out again after the XXXX delinquencies. How can you be delinquent while making payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

Company failed to notate dispute within 5 business days. failed to delete the inaccurate / unverified accounts. failed to maintain maximum possible accuracy. failed to exercise their grave responsibilities with fairness, impartiality, and a respect to my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed I want it removed from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated and removed : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dear Sir/Madame it may concern : I have had Cash Call Mortgage is my currently mortgage on my primary home. My credits and all documents disclosed my assets in detail had been approved in excellent status that I qualify for the refinance at the lower rate and cash out. 

On XX/XX/XXXX, I told the loan officer to lock the rate at 1.75 %, Point Fee is 1.112 %, with NO Closing Cost ( It meant lender credit and no charge me for 3rd party ). He told me he locked the rate and transferred my document to the underwriter approve. 
I supposed that we will close the loan in XXXX. However, in XXXX the loan processing told me that she waited for the loan officer locks my rate. I called loan officer and he told me he forgot to lock the rate and he would wait for the rate goes lower like the date XX/XX/XXXX, he would lock it for me. However, I did not hear he called me. 
On XXXX XXXX, I called him and said the Cash Call mortgage was lower the rate and APR rate is the same as on XX/XX/XXXX. He should lock the rate for me. 
However, he sent me the rate lock estimate the same but it charges me FOR CLOSING COST AND THE DATE LOCK RATE IS XX/XX/2021 which I had not been informed until I called him to lock the rate on XX/XX/2021. 

I complained about the closing cost, the loan officer asked me to call his supervisor XXXX. I called Mr. XXXX on XX/XX/XXXX. He agreed with me that my loan will be close at the end of XXXX and will be No Closing Cost like the rate I wanted to lock on XX/XX/XXXX. 

On XX/XX/XXXX However, when the loan processing asked me to sign e-document dated XX/XX/2021, the Closing Cost is still there, it has not been corrected as Mr. XXXX told me. 

On XX/XX/XXXX, I have tried to call and Fax what is wrong to Mr. XXXX, however, Mr. XXXX and loan officer do not respond to me by my phone call, email or fax. They ignored me and even do not correct the closing cost on my Closing Disclosure. 

Closing Disclosure the Disbursement Date XX/XX/2021. 

Cash Call Mortgage should credit to me the closing cost of {$1.00}, XXXX as the lender credit to me such agreement on the Loan Estimate dated XX/XX/2021. And it had been confirm with Mr. XXXXsupervisor to me on XX/XX/2021. 

I appreciate your help me this matter as soon as possible before the loan expires. 
Very respectfully. 

PS : The closing cost is XXXX should be the lender credit to me as the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX, # XXXX {$340.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 1681c. ( 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.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Incorrect Address ) may include ( Name Inaccuracies )
Product: Money transfer, virtual currency, or money service

It took more than three weeks to get customer service to stop denying the existence of a XXXX wire so it could be credited it to my account. That was finally accomplished, but now I can not withdraw or trade the funds. They have stopped sending the confirmation emails that are necessary to execute transactions. Interestingly, I did get emails confirming submission of a new customer service ticket asking for help on this matter. So clearly, my email is not the problem. Only the emails related to my control of my account are not arriving. It is now a month since I have had control of my money. All I want to do is withdraw my funds, but I continue to be blocked. There has been no response to my email request for help for 4 days so far. Based on previous experience, it will take another month to work this out because they take an entire week to respond to each email, and customer service staff do not read what customers write in their emails. I am incurring significant opportunity cost in the form of lost profits. There are many complaints online about this company doing the same to other customers : not crediting wires, blocking account access, not sending emails for execution of transactions, refusing to respond to customers for weeks. Given that they are effectively and illegally holding their customers ' funds, they need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : XXXX XXXXT XXXX  # XXXX Account name XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

My daughter had XXXX  in spring of XX/XX/2017. We received a 25 % discount for paying the bill in full the morning of her XXXX. The lady informed us if we received a bill after XXXX, to call them and they would take care of it because we paid in full. We did receive a bill of {$270.00} and we called the business office just as suggested. The lady informed us that she would take care of it immediately. Fast forward 30 days, we receive the same bill. Again, we called and talked to a manager this time. They also agreed to take care of it because they noticed we paid in full. We thought all was well until I pulled my credit report since we are applying for a new mortgage. This was a negative debt in collections. First, we never received a bill stating it was in collections. This is keeping us from getting a desired rate on our mortgage due to their clerical error. We can provide a documents showing we paid her amount in full the day of XXXX.
Product: Checking or savings account

Unauthorized ACH withdraw out of checking account. I was told that all you need is an account number and a routing number to do this? This can not be all it takes because that routing number and account number is on every check that is sent out. They are trying now to blame it on another financial institution. I have no problem with that but they should put but put my funds back now, ( which has been past after the XXXX working days ) and then go fight with them about recovering the funds!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX account opened : XX/XX/XXXX amount {$7600.00} Account # XXXX, XXXX XXXX XXXX & XXXX Account opened : XX/XX/XXXX, XXXX : {$53.00} Account # XXXX. XXXX XXXX XXXX XXXX Account Date XX/XX/XXXX. Inquiry : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Bank of America. I reported all credit cards stolen within XXXX. All other charges were dropped but from Bank of America. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX XXXX and i live at XXXX XXXX XXXX XXXX XXXX, Arizona.Plea.se remove other names and address