23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I prviously filed a compaint # XXXX against AFM Finacial Services for not providing monthly statements reflecting my payments and current balance. AFM responded with an apopogy and stated statements will be provided. I received one statement as a result, for XX/XX/2016 in which the the payment date was changed from XX/XX/XXXX to XX/XX/XXXX. I have not received any statements since despite calling AFM XX/XX/XXXX to point this out.I also reffered them to the original complaint number andtheir response, to which AFM ( XXXX-no last name provided ) claimed to be unaware of stating it must have been their " compliance XXXX '' .The end result is the same, I am not receiving statements although I have continued to make my monthly payments. I have no assurance my account at AFM is being credited correctly.I have no documenatation for IRS purposes since this is a medical debt.I am inclined to stop making payments since there is no acknowledgement from AFM that I have faithfully made payments as agreed. AFM has alternated from being unduly rude to complete indifference when I contact them about this issue.At this point I would consider the debt invalid since AFM will not acknowledge my payments.AFM does deposit my check 's but again without a monthly statement I have no idea, or at this point, any faith my account is being properly credited.
Product: Credit reporting

Fair Credit Reporting Act requirement is for the credit reporting agency within 30 days of a dispute or remove an time. Equifax did not respond within 30 days. 

The letter I mailed along with a copy of my social security card in which I attached to my letter to Equifax are attached.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates us to remove any erroneous accounts from my credit report. Could you please review the documents? There are discrepancies in the reported accounts, such as amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries unauthorized, please removed immediately from credit report
Product: Mortgage

For 13 consecutive months, Franklin American Mortgage Company ( FAMC ) has mismanaged two VA refinance loans originated in late XX/XX/XXXX. Both the CFPB and Texas Attorney General 's office were helpful in resolving many of the problems due to direct intervention in XX/XX/XXXX-XX/XX/XXXX. However, FAMC continues to violate the RESPA and my rights as a borrower in regard to these two loans. 

The loans in question : - XXXX XXXX XXXX ( rental property pending sale on XX/XX/XXXX ), loan # XXXX - XXXX XXXX XXXX ( primary residence ), loan # XXXX Fraudulent Late Fees : From XX/XX/XXXX - XX/XX/XXXX, FAMC misapplied monthly payments for the XXXX XXXX property ( loan # XXXX ) that were received in a timely manner per the loan agreement. FAMC 's actions caused processing delays and false, negative reports to credit reporting agencies. Following CFBP and Texas State Attorney General office intervention, it appears that FAMC has corrected the false credit reporting, but they continue to account for late fees from this time period to the amount of {$210.00} as of the XX/XX/XXXX statement. These fees were generated due to FAMC errors, not my payment history. I have attempted to get FAMC to clear these fees with no success. This property is under contract for sale with closing date schedule for XX/XX/XXXX. It is in both our best interests for these fees to be removed before then. 

Failure to Respond : I have sent multiple requests for FAMC and they seldom receive attention. My last formal request was sent in early XX/XX/XXXX and FAMC acknowledge receipt on XX/XX/XXXX. To date, they have not responded. The request was for the company to transfer both of these loans, especially the one for my primary residence ( XXXX XXXX, loan # XXXX ) to another mortgage servicing agency due to FAMC 's reported failures on every aspect of loan management - escrow, payment processing, and harassment that all stem from FAMC 's internal failures. Due to their repeated and continuing violations of the terms of the contract and the RESPA, I have no faith that FAMC will ever comply with either. Knowing that FAMC has such a significant impact on my financial well-being and credit rating is unacceptable. The only acceptable solution is that this loan be transferred to another mortgage servicing company. 

Objective : - Remove fraudulent late fees before the loan closes on XX/XX/XXXX and ensure these fees do not get included in the sales process. 
- Refund any late fees paid to date if the above is not completed timely. 
- Receive confirmation that FAMC has transferred loan XXXX ( XXXX XXXX XXXX ) to another mortgage servicing company.
Product: Debt collection

I currently have a personal loan with Regional Finance that I'm trying to settle through XXXX XXXX XXXX. Regional Finance continues to call me on my personal cell XXXX, as well as at different phone numbers at my work agency. I get in trouble at work for getting personal phone calls. I've asked Regional to stop calling my work place. They continue to harass me. These are the other two numbers they keep calling : XXXX XXXX
Product: Credit card

i had a chase card more than XXXX years ago i get a summons to appear in court from XXXX XXXX/nearly XXXX later i received a garnishment from MAGISTRATE COURT OF XXXX COUNTY enforced by XXXX COUNTY SUPERIOR/only to hear today it may not have been processed properly/anything to help is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the fraudulent items listed here in my complaint are still reporting on my credit report in violation of Federal Law. Credit bureuas failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to be shut down. They are unethical. There are too many dates ( 100+phone calls/letters ) to list on here and they have already inconvenienced me enough and I have very bad XXXX conditions. They can give you a log. Bottom line ... .This is not my account! I provided proof ten times. They keep playing games! I want XXXX XXXX off of my Equifax credit report ASAP! Next step ... I'm calling every media outlet. I am tired of these people getting away with ruining people 's lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have suddenly started receiving collection calls from PORTFOLIO RECOVERY A Since this is new to me I checked my credit report, I have the app on my phone and check it nearly everyday. I have seen nothing on any of my reports until this happened. They call several times a day, even on Sunday and from numerous cities and states. 
Upon checking the 3 credit unions I discovered it was added to all three on or about XX/XX/2021 yet they have been calling non stop for about a month now. 
The only information I have is what is on the report XXXX AMOUNT XXXX DATE OPENED XX/XX/2021 # 1- The only account I have had for several years with XXXX is XXXX and I still have it in excellent condition # 2- If the account was not opened until XX/XX/2021 then HOW was it put on my credit report 5 { FIVE } MONTHS EARLIER I have never even been notified of this until now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXX/XX/XXXX, HARRIS & HARRIS , LTD add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA HARRIS & HARRIS , LTD has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$13000.00}, XXXX  XXXX XXXX Balance : {$400.00}
Product: Debt collection

This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I lost {$60.00} to an online scammer who was supposed to provide a product. I did not feel safe using XXXX or XXXX to buy it, & the XXXX he created wouldnt allow me to send money that way, so I thought a bank transfer would be safe, legit & protected. The only way to easily transfer money through your bank is to do it through XXXX. So I transferred the money that way, & as I feared, was never given the product, never got a response back, & his account shut down. So I go back to XXXX to get my money back & explain what happened. Come to find out you cant cancel XXXX payments if the receipient already has an account. But that is the ultimate scammers dream platform! Victims feel safe to transfer the money because its through their trusted bank, but then XXXX offers no protection so the frauds & scammers win each and every time. Millions are lost to frauds & scammers everyday & this company is aiding the criminals by giving them the trusted platform to make it happen. XXXX is truly taking advantage of the trust weve all established for our banks. This is preposterous that theyre even partnered with all the most reputable banks. When will good stop being victimized by not only individual scammers, but big, corrupt companies who have no moral ethics?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this..
Product: Debt collection

On XX/XX/XXXX, I submitted a dispute letter to XXXX regarding AFFIRM INC account listed on my profile. The debt in question is documented as paid and charged off. According to the IRS, once an account reaches charge off status and the lender has indicated it as discharged debt on their taxes, the debt is considered canceled or forgiven. This forgiven debt is now classified as taxable income and should not be reported to a consumer 's credit report as outstanding debt. 

XXXX recently provided an update on XXXX XXXX stating that the debt has been verified, yet they did not supply any documentation regarding how they verified the debt despite my request. I have been disputing this account since XX/XX/XXXX and have not received any proof from the creditor to support their claim.
Product: Checking or savings account

On XX/XX/year> I disputed two charges -- each in the amount of {$510.00} ( total of {$1000.00} ), which I paid to merchant XXXX XXXX. The charges were disputed due to the merchant having initially advised me that he would be providing search engine optimization ( SEO ) services for my company 's website. I paid for several months for this service, believing that I would be receiving SEO services. Dissatisfied with the services of the company, I subsequently advised him that I would be discontinuing with his company 's services. I filed a complaint with the financial institution, advising that I was dissatisfied with the services and had informed the merchant. Subsequent to this, the merchant advised XX/XX/year> that his company had not provided any SEO services, as were originally agreed upon. I furnished the financial institution with all corroborating documentation and was told XX/XX/year> by a supervisor that she would have the claim reviewed again in light of the fact that the merchant did not provide the services, for which I originally hired him. Another supervisor at the financial institution advised me XX/XX/year> that she also saw the corroborating documents I submitted to the financial institution but could not resubmit the claim for review. I advised her at this point that I would be filing a formal complaint with the Consumer Financial Protection Bureau, as the financial institution 's errors resulted in my account having overdrafted more than {$1000.00} on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I'm reaching out today to file a complaint regarding an incident of identity theft that I've experienced. After conducting some research on how to address the fraudulent inquiries on my credit report, I discovered that I need to visit https : //www.ftc.gov to file an identity theft report. According to FCRA section 605b, Credit Reporting Agencies are mandated to remove and block any inquiries that are listed on an identity theft report. I have also attached the necessary documents to aid in the removal or blocking of this inaccurate information that is currently appearing on my credit report. Below, you'll find a list of inquiries that are not associated with me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity Theft. Someone tried to open many credit card accounts with various banks. All accounts are closed and removed from my credit report except HSBC BANK. I had filed FTC complaint Report # XXXX providing details of HSBC bank along with account details. I had sent dispute letter to HSBC bank dated XX/XX/2018 stating I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). 

HSBC bank has not taken action to remove disputed credit card details from my credit report. Details of the account are as follows : Account Name HSBC BANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/2018 Credit Limit {$2700.00} Kindly ensure HSBC Bank gets all the details pertaining to my account removed from my credit reports.
Product: Checking or savings account

On XXXX XXXX  I attempted to withdraw XXXX from a XXXX XXXX  in XXXX, XXXX ( at XXXX XXXX ) the receipt shows, using my TD Bank ATM Debit card. 
The machine door that opens and gives the cash was faulty and began to crank and make grinding sounds as if the door was having trouble opening and was having a mechanical issue. I waited and waited, nothing happened, the door did not open, a receipt game out saying the money was deducted from my account and the screen went blank. The screen then said the machine was no longer in order. I immediately called TD bank and told them the issue. They credited my account the {$120.00}. 
In XXXX of XXXX, TD Bank then withdrew the amount from my card of {$120.00}. I called I emailed many times and the only response I received was the bank in the XXXX said I received the money .I didnt. 
I even called the XXXX XXXX  in XXXX and they stated that I would have to take it up with the credit issuing bank, TD Bank. 
In XX/XX/XXXX  I went into a TD Bank branch and filed again to get my money.nothing. I called again to file a complaint a few weeks ago and they always promise to get back with me but they NEVER do. 
I would like my {$120.00}. dollars returned to me. TD Bank did not do enough to resolve the issue. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my consumer credit report. The items to be deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted as soon as possible to correct my consumer credit report. I reported this theft to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  XXXX XXXX  - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.