23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Sent a international wire transfer for XXXX USD changed to XXXX XXXX  from Synovus bank, XXXX XXXX XXXX XXXX XXXX XXXX, Fl branch on XX/XX/2022, told usual delivery in 24-48 hours, delivery date XX/XX/2022, to my bank account at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX branch XXXX Monies were never received by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Multiple phone calls to Synovus brought no resolution, I was told by the international transfer department that we sent the money, there is nothing else we can do. 
Tracking brought no answer, I called the intermediary bank XXXX XXXX XXXX and was told they could tell me nothing since I was not a client of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes it impossible to cancel monitoring accounts. While you can view your account on their website, they make you speak to a representative on the phone to get your account cancelled. Unfortunately, their " customer to service '' number seems to consistently have wait times over over an hour. I'm on my third attempt today reach someone right now, as calls keep mysteriously disconnecting. First two attempts reported " over 1.5 hour wait time '' and now its saying " over 1h45 wait times ''. Tying up my phone for half the day because they won't offer a convenient way to cancel your account is infuriating. Even more so since the call has disconnected multiple times now. If they truly were interested in customer care and were aware of these delays they could adopt a call system like the banks and airlines use that call you back when you're up in queue. This is $ XXXX/month of scams
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 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 U.S.C. 1681s-2 ( 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: Debt collection

This is a re-hash of a complaint I made last year but it had been filed with XXXX. 
This is the very same company and same amount {$53.00} with the same originating company XXXX XXXX XXXX. I have NOT had any XXXX  services since the early XXXX when they did not supply the service they promised and then grossly overcharged me when I dropped their services. 
I will not EVER have XXXX  services. 

Collecting companies name is Diversified Consultants Inc. 

I have taken my credit score from the 500s to mid 700s and if I owed these idiots anything I'd pay it off.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, Transunion deleted my XXXX XXXX account information from my credit report and refuses to put it back on. Transunion is in violation of fair credit reporting act. I request that Transunion reports my XXXX XXXX account that was deleted in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Demand for Deletion of Inaccurate Information on XXXX XXXX XXXX Account Number XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report by Experian regarding Account Number XXXX with XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified discrepancies that require immediate attention and deletion. 

The inaccurate information pertains to the payment history provided in the table, which inaccurately portrays my payment activity on this account. Despite the account being closed and my consistent, timely payments, it is erroneously listed as a " Collection account/Never late, '' with a past due amount of {$1500.00} as of XX/XX/XXXX. 

I demand that this account be promptly deleted from my credit report due to the inaccurate reporting outlined above. I request written confirmation of the results of your reinvestigation and any updates made to my credit report as a result. 

Thank you for your prompt attention to this matter. I anticipate receiving a response within the prescribed timeframe of 30 days. 

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

I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Product: Money transfer, virtual currency, or money service

I did a balance transfer from my PayPal credit card in the amount of {$930.00} to a zero interest card. The zero interest card sent a check on XXXX XXXX. And the check cleared the bank ensuring that the money was received by PayPal. I have disputed the balance owed on several occasions. The balance reflects the payment for a short period of time and then it reappears after a couple weeks. I have a copy of the check that cleared, spoke with the manager after I sent the copy and the balance was removed and it was back again. After speaking to him it was removed once again only to reappear a few weeks later.
Product: Debt collection

In XXXX of 2020 I asked them to come and repossess the car and they claimed that they couldnt find the car and I co-signed for the car so they held me responsible. They made a offer of about {$4800.00} and now the offer is doubled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a debt consolidation loan with XXXX and I was told I was denied using information from FactorTrust and XXXX. I accessed my FactorTrust report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed XXXX the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and FactorTrust. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of FactorTrust why do they have different information for me on their files.
Product: Bank account or service

I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards XXXX
Product: Debt collection

XXXX XXXX calls from Summit Receivables at least once-twice a week. I do n't know what this debt is, but I receive calls from an unknown number from her and then XXXX from her XXXX on XXXX XXXX from a XXXX number XXXX and XXXX from her on XXXX XXXX from a XXXX number XXXX. In all the messages she leaves she says, " I 'm calling in regards to a file we have in your office ... ..trying to reach you in reference to this file. '' The message is very vague and then she wants me to call her at XXXX which is not the number she calls me from.
Product: Credit card or prepaid card

It took almost three months for Frontier to find a missing payment the last time this happened back in XXXX of XXXX. Now it has happened again. I made a payment of {$1000.00} to my Frontier account on XX/XX/XXXX and now Frontier is saying they did not receive it as of XX/XX/XXXX. I have attached proof of payment from my bank showing the online payment, I contacted Frontier and told them about the missing payment and they said it could take up to two statements to rectify the problem. That is unacceptable. The Frontier Case # is XXXX. 

I made another payment of {$1000.00} on XX/XX/XXXX. Please make sure that Frontier does not confuse the two payments and that a payment for XXXX and XXXX are both made in the amount of {$1000.00} each.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must block these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX  Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX  XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX  card. 
we only use our card 1 time a month. XXXX says we owe {$1000.00}, we only go up to {$100.00} if nessesary. 
we contacted XXXX and told them that our card was scanned by a card reader illegally. 
we feel that we have paid enough on this bill. XXXX wouldn't work with us. 
we have been paying on this for 9 months. and it seems like it is going up. whats going on with this company?
Product: Credit reporting or other personal consumer reports

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely!!
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 15 USC 1681.

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXXXX XXXX  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 15 U.S.C 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 U.S.C. 1681s-2 ( 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: Debt collection

Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX XXXX PARTIAL ACCT # # XXXX XXXX  PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$490.00} Date Updated : XX/XX/XXXX Original Amount : {$490.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$460.00} Date Updated : XX/XX/XXXX Original Amount : {$460.00} Original Creditor : XXXX Past Due : > $ XXXX
Product: Mortgage

I XXXX XXXX receive a check from XXXX  XXXX  XXXX XXXX  the claim XXXX check number XXXX total amount {$31000.00} i send the check by express mail tracking # XXXX on XX/XX/year> XXXX day delivery.at the same time i send estimate company XXXX  XXXX  XXXX XXXX XXXX {$8500.00} from XXXX XXXX, PR Services {$2500.00} that way they can star remove my solar and replace my roof after that install my solar back on the roof. but the mortgage company holding the check and never say went they going to relief the money. The company on my mortgage is MR. Cooper XXXX XXXX XXXX XXXX. XXXX, TX XXXX phone number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX i understand they have a process but at least they can tell me went the money going to be relief i have my tenant association on my case because i have a tag in my roof XXXX the XXXX last year. all i just want to fix my house i am veteran XXXX and i just need to fix my house right thank. hope this problem get solution asp
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have contacted the original creditor to try clear this matter up they they reporting I owe them nothing and the account had been sold to a company that is not yours I have provided a copy of the identity theft report I filed 2 years ago about this debt that keep popping up on my credit if you do not remove this debt immediately from my consume report or I will be force to pursue legal actions for compensation do to false reporting
Product: Checking or savings account

Check Fraud. 
Payment sent to vendor in the amount of XXXX. Check was intercepted in the mail, washed and dollar amount and payee changed, subsequently deposited into an Bank Of America ATM and funds withdrawn from my account. I have initiated a check fraud claim with Bank Of America as well as filed report with US Postal Inspector and XXXX PD - see attached. I am requesting Bank Of America refund the amount that was deducted ( {$5000.00} ) to my account. Bank Of America failed to provide adequate security procedures and allow this instrument to be presented and negotiated and subsequently paid from my checking account. I have called Bank Of America several times, unsuccessfully in having these funds returned to my account, even though I have provided them sufficient evidence this was due to their actions, not mine.
Product: Debt collection

XXXX XXXX XXXX XXXX started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.
Product: Money transfer, virtual currency, or money service

Good morning, This is in reference to the investigation that is going on for the fraudulent activity that was on my account where my credit card and bank was being charge with out my consent or knowledge. Paypal has not resolved this issue and I am hoping to get to a resolution. I had unauthorized charges on my paypal account. Apparently someone opened an XXXX  account and linked the paypal to the account. I was able to an email from XXXX stating that the activity was fraudulent, they have been seeing this a lot lately. The issue I have is where someone hacked into my paypal account and made over XXXX charges to an XXXX  account that is not associated with me. I have disputed with my bank and then paypal threatened to send me to collections if I did not pay them because the account ended up going negative. It's been very frustrating and XXXX  had found additional charges, the total loss of {$410.00}. Can someone please reach out to me so that we can find a way to resolve this dispute as currently my account is now short {$410.00}. Thank you for your time and help with this. Paypal has done nothing to help and apparently if your account gets hacked even if its fraud your out of luck. I don't think this is good business.