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

This is to follow up in regrads of the repeated failure to remove the fraud items from my credit report. Despite my diligent efforts and multiple attempts over the previous instances, these inaccuracies persist, severely impacting my financial standing and opportunities.I request compensation for the significant inconvenience, stress, and potential financial harm caused by the presence of these inaccuracies on my credit report. They have adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial well-being.I have provided extensive documentation and evidence supporting the removal of these fraud items yet they continue to my credit history. This ongoing issue not only undermines my financial credibility but also hampers my ability to access credit and secure favorable financial terms.The following items should be remove as soon as possible : 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, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  XXXX  # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A 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 NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a wire transfer between a friend from XXXX XXXX and my XXXX XXXX Account for the sale of a used car. 

The wire was conducted through an app called XE/Dandelion Payments, for an amount of {$9600.00} XXXX/ {$5700.00} USD. 

After about a week we didn't receive the funds in our XXXX XXXX  Account, so we contacted our friend, who had initiated the transfer. He started a recall process and paid a fee with his bank for an official trace number. The reference number for that inquiry with XE is XXXX, and the original quote reference with XE was XXXX. 

The funds are now held in an intermediary bank and we are waiting for a response from bank XXXX from the final beneficiary bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department are involved in this claim as well. The transfer is listed as " XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
The inquiry was not authorized XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XX/XX/XXXX/XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report
Product: Bank account or service

After numerous troubles with fraudulent charges, unjust service charges, poor customer service and policies that change to suit the bank, we decided to bank elsewhere. In trying to make sure that auto charges are being switched over to the new account, I checked the account yesterday morning and found that XXXX auto-debit was floating and needed to be addressed. I immediately deposited cash to cover the " pending '' charges. During our problems with fraudulent charges, we were informed that " pending '' charges could n't be disputed or stopped because they had not been honored yet and we were forced to wait three weeks and face late fees from our mortgage institution and utilities because we had to wait a long period of time to have the charges investigated because of their " pending '' status. Additionally, according to their online banking site, there was XXXX item pushing my account to {$6.00} overdrawn and then they delayed processing the cash deposit so they could charge another item fee, therefore totaling XXXX item fees. When I checked this morning XXXX of my insurances had erroneously billed their account instead of the new account and I rushed to make the cash available. I was told that this " pending '' item was already being honored and that even if I got my insurance company to reverse the error, they would charge another item fee. I am complaining, because when the opportunity suits them " pending '' transactions can be held in cyberspace and the financial stability of my family can be left in limbo for days and weeks, but I can not address erroneous charges while they are " pending. '' I have no way of correcting or disputing charges without incurring fees anyway. Cash deposits should be immediately available funds and be able to be applied to charges that by the bank 's own admission have not cleared their institution yet. It leaves consumers powerless to prevent fees in erroneous situations while pursuing action against those improperly billing. Charging fees for charges yet cleared while not immediately honoring cash deposits only benefits the bank and unjustly penalizes the account holder.
Product: Debt collection

On XX/XX/2019, Franklin Collection Service ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) marked a collection on my XXXX and XXXX credit reports, severely damaging my credit without any notice nor proof shown. I NEVER received a single letter from Franklin Collection Services,  and when I called them to validate the debt, they claimed to have sent 3 letters to an address in XX/XX/2019. I have not lived in that address for over THREE years, and there is absolutely no way for me to ever receive this mail. The did not notify me of the debt, nor did they notify me of the collection. 

Further, I then sent a letter on XX/XX/2019, via Certified USPS mail ( Tracking :  XXXX ) to Franklin Collection Services requesting immediate validation of the debt they claim I owe. This debt has never been validated, and I have seen absolutely zero proof of the validity of this debt. 

In my letter, I asked Franklin Collection Services to provide me with this validation of the debt. They have been non-responsive and ignored my letter ( which I confirmed with USPS was delivered on XX/XX/2019 ), and continue to report the collection on my credit report, which is having a highly negative effect on my ability to obtain credit. 

I believe that Franklin Collection Services is using the negative impact of the derogatory remark on my credit against me in an attempt to make me pay them money for the debt that have failed to validate. This is a direct violation of my rights. Moreover, the lack of response and providing validity of this debt they claim I owe, then proceeding to severely damage my personal credit file is in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } and the Fair Credit Reporting Act. 

Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, it is my right to dispute the claim and request validation. Under the Fair Credit Reporting Act, it is in direct violation to severely damage my credit with a debt that has NOT been validated. 

This collection agency has over 100 complaints with the XXXX XXXX XXXX ( XXXX ) and is clearly operating illegally and/or unethically. Please investigate this issue as soon as possible.
Product: Checking or savings account

XX/XX/XXXX early in the morning lost my debit card issued by Bank of America. 
Woke up that morning with two separate XXXX dollar atm withdrawals at atms not owned by BofA near my home, and charges in XXXX Illinois at a gas station and XXXX XXXX Illinois at a XXXX for a total of around 1,300 in lost money. 

Immediately called Bank of America that morning and the card was inactivated with a new one sent to me. I received only a partial credit of {$300.00} on XX/XX/XXXX which was reversed on XX/XX/XXXX stating that no fraudulent activity had occurred. 

I immediately called my bank and then filed a police report at the local police station and submitted my police report. 
On XX/XX/XXXX Bank of America mailed me and once again denied my charges yet they were fraudulent. 

I have run out of ideas as Bank of America is clearly violating my rights under the electronic funds transfer act. I reported the claims well within 48 hours and am only liable for up to {$50.00}. They refuse to provide valid detailed information stating WHY my claims are not Fraudulent. I have filed a police report and am looking for all avenues to protect my rights and my personal property. 

I can provide more detail such as copy of police report and detailed claim number and amounts.
Product: Money transfer, virtual currency, or money service

I have XXXX {$1000.00} dollar unauthorized charges on my bank account made by Dax Inc. 

and am unable to contact them to request cancellation of the charges
Product: Credit reporting or other personal consumer reports

I recently filed a complaint in XXXX of XXXX to no avail. I still can not access my consumer credit report on the Equifax XXXX They have continued to request that I mail and upload verifying documents such as mail, photo ID, social security card and other personal identification documents. This has been requested and sent over XXXX times in XXXX years. Since then I have noticed an increasing amount of inquiries, new accounts and phone calls from companies to verify my information for credit purposes. The website since XXXX has stopped showing me my credit report. I have requested my report by mail several times only to never receive it. The only way since XXXX that I have retrieved a copy of my report is by going to the XXXX office and paying for one in person. I believe there is something wrong with their mail and upload system. These faulty practices is what must have contributed to the data breach that I was a victim to during their scandalous breach. 

Equifax does not protect consumers information and is violating my consumer rights by not providing me with my report while charging me for the report and never releasing it.
Product: Credit card or prepaid card

On Thursday, XX/XX/2020 I relied on false and misleading information from a website maintained by Synchrony XXXX to my detriment. 
I had the need to hire a plumber and wanted to use my Synchrony XXXX card to pay. Aware that merchants need to be part of the XXXX network or they can not be paid from the card, I called the number on the back of my card, ( Monday, XX/XX/2020 ). I was referred to the Synchrony XXXX vendor list and I found a merchant on that list. Relying on the information provided by Synchrony XXXX from the website maintained by Synchrony XXXX, I hired the merchant. 

When it came time to pay, the card would not go through. I checked and received a multitude of different explanations. After 6 hours spent with Synchrony employees involved finger pointing towards myself and the merchant and denial of his status as a XXXX merchant, I took a screen shot of the Synchrony XXXX site. Three days later, the site still posted him as a XXXX merchant. The site listed the merchant under Synchrony XXXX XXXX XXXX furnishings. Due to false information provided to me by Synchrony Bank through a website maintained in the regular course of their business, I need to scramble to gather {$3000.00} during COVID. An amount I budgeted for by 6 months payments to the XXXX card.
Product: Debt collection

My calendar didnt send a reminder, so my payment was late ( it has been paid now ). 

They called yesterday ( XX/XX/XXXX ) from number XXXX at the following times : XXXX XXXX XXXX XXXX They called today ( XX/XX/XXXX ) from number XXXX ( and a blocked number 2 times in between at the following times : XXXX XXXX XXXX XXXX ( blocked ID ) XXXX XXXX ( blocked ID ) XXXX This is harassment. Is there a contact for a lawyer also?
Product: Credit reporting or other personal consumer reports

XXXX filing a complaint against Experian for failing to remove fraudulent accounts from my credit report, which they initially deleted but have now reappeared. 
On XXXX XXXX, I sent Experian a formal dispute letter, along with FTC reports and full documentation, regarding two accounts that were opened in my name due to a phishing scam. After I reported this and provided all the documentation, Experian removed the accounts, and I thought the issue was finally handled. 

However, these accounts have now reappeared on my report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have these fraudulent accounts permanently removed, and its Experians responsibility to ensure this. Its unacceptable that this has resurfaced after I went through all the right steps to dispute it. 

Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advance America XXXX XXXX XXXX XXXX is refusing to allow my loan to process and are using all kinds of manufactured excuses and or jargon and double-talk against FCRA regulations and or protocols such as age, gender, background and all other reason that are biased and not based on factual or any fraudulent reasons other than direct and intentional denial of proper funding for my emergency needs such as emergency relocating due to extenuating and mitigating circumstances surrounding sufferage, unfair treatment and credit reports endorsing non-factual information from Lenders specializing in Consumer Sabotage and using pushy tactics and or unauthorized use of personal info data and the likes to access and use deter or prolong the actual use of my established or non-established credit this loan was pre-approved as loan towards my accepted tax return in which I am solely responsible so this is not even average or normal consumer funding in addition it was and is directly for emergency use for business, home, and automotive care and needs in order to stop and prevent any further damage to the credit I was so wonderfully establishing building with all of my last years interactions and openings. So the assistance and progress that was going on was stagnated and stopped by unfair and unethical trade practices intiated by the same people who are to protect my credit and accounts they've allowed accounts to get closed instead of corrections refusing to fix or honor my consumer wishes allowing multiple of my payment methods to be compromised by NON-account holders on non-joint accounts allowing access to my funds data and privacy by non-account holders and ignoring my constant. Request for disputes or discrepancy. So I am reporting this violating of the FCRA and denying my access to pre-approved funding on my tax return funds. 
Insinuating my authentication or identity is in any way wrong or not me based on the use of shortened version of my first name in which irs is fully aware of.
Product: Student loan

I recently transferred my loans from XXXX XXXX to XXXX XXXX in hopes of eventually pursuing public service loan forgiveness. After taking nearly 3 months to complete the transfer, Fed loans have incorrectly counted the amount of qualifying payments towards PSLF that I have made ( they count only 12, while my records show 28 qualifying payments ). I call them to discussed this and spoke with employee ID XXXX who stated that she agreed that it appears that an error has been made on their part, but states that it would take a minimum of 3 MORE months to correct.
I can not understand what about counting payments takes 3 months to do. I understand that these payments must be deemed " qualified '', but this company has already had my records 3 months. Now they want another 3 months. It can not possible take HALF A YEAR to correctly count payments, can it? 

I need to make life-altering decisions over the next few months that might be affected by my faith in this program 's ability to do what they have promised.
Product: Payday loan, title loan, or personal loan

I originally took out this loan for a home repair. The tech did not do the work, and I had to have the work done by another company, which I just paid for myself. The original company was and is aware that their tech did not do the work to fix the issue and is not charging me anything else. 

The problem is Affirm. I have repeatedly explained the situation to them, and they are still harassing me for payment. The other company is aware of what happened, but I can not get these companies to communicate. Affirm just keeps harassing me with calls and emails. Today they called me at XXXX XXXX. Enough! 

Now I also have come to understand they can and will report me to the credit bureaus for non payment. And I am sure they will too, despite me not owing the amount they are harassing me about anymore.
Product: Mortgage

I sent a complete FHA HAMP loan modification on or around XX/XX/XXXX to XXXX XXXX XXXX and to their foreclosure attorney XXXX XXXX XXXX XXXX, XXXX. I received an letter from Nationstar Mortgage who now call themselves XXXX XXXX. Also, I never received any notice stating their name had changed either. Furthermore, on or around XX/XX/XXXX I receive a incomplete letter from XXXX XXXX stating I need a profit of loss statement and I submitted a incomplete five page FHA Hardship affidavit. I called in on XX/XX/XXXX and XX/XX/XXXX and spoke to relationship manager XXXX ID # XXXX and I asked if she could mail or email me the 5 page FHA hardship affidavit. She placed me on hold and came back and stated she could not locate this FHA Hardship document and she also stated she spoke to her supervisor and they advised me to create a online account to get the missing Hardship Affidavit. Therefore, I complied and open my account online and located the hardship affidavit. My complaint is I never received the five page hardship affidavit and until today from their online application. Lastly, XXXX stated my loan was scheduled for a foreclosure sale date for XX/XX/XXXX. I submitted my FHA HAMP loan modification more than 37 days and my loan modification has not been denied and XXXX XXXX has asked for additional documents that I am submitting today. Therefore, XXXX XXXX and XXXX XX/XX/XXXX and their foreclosure attorney XXXX XXXX XXXX XXXX, XX/XX/XXXXare all committing Dual tracking and breaking CFPB is the reason why I am filing this complaint today against all parties.
Product: Payday loan

I took out a loan with All Credit lenders in XXXX, Illinois XX/XX/XXXX or XX/XX/2015.They are taking {$50.00} out of bank account every XXXX weeks. The loan was for {$300.00}. I have never received any statements.I have asked to be mailed to me or emailed. The email they gave me to read my statements did n't seem like a legit The account was down to {$190.00} after I complained about the excessive charges. they claimed it was do to a computer glitch. Now the account is back up to {$230.00} the company states I did not come in XX/XX/XXXX or authorize for them to take it out of my bank account in. This is not true. I asked that a manager phone me. I have not received a call. For a {$300.00} dollar loan I feel I have paid over the amount of fees and charges. They harass me for the payment prior to the payment date. However, I can not get cooperation why my loan never seems to be going down. Please help me. All Credit lenders XXXX XXXX XXXX XXXX XXXX XXXX. Thank You in advance.
Product: Debt collection

This company has called me 5 times in one day. Im sure this is harassment. I have blocked other numbers similar to this one and they just keep calling from new ones.
Product: Credit card or prepaid card

I have secured credit card from XXXX XXXX XXXX serviced by Elan Financial Services. Made ACH payments to pay credit card payment. The lates were caused by error on behalf of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureausr investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter ( attached ) from XXXX on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to Equifax and others. 

In a phone conversation with XXXX on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with XXXX regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that XXXX has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! XXXX and Equifax are hindering my ability to get reasonable rates based on their XXXX and XXXX  reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against XXXX XXXX Equifax for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.