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

In the Fall of XXXX I purchased a vehicle that was financed by Sun Trust Bank. I immediately went online and attached my bank account, placing the note in auto-draft so my car note would never be late. I do all my monthly bills that way -- -set it and forget it -- -just making certain that I have ample funds in the account so I never overdraft. However, at some point earlier this year XXXX XXXX XXXX, Sun Trust bank deleted my banking information without my knowledge and promptly placed two late fees on my credit report, causing great damage to my high credit score. When I made a phone call to the company, they deleted one of the late pays but refused to delete the other one, saying that every 6 months I was supposed to login to my account and keep it active or else they assume it is inactive and delete it. This 'policy ' is NOT true. Had it been true, my banking information would have been deleted in XXXX ( Long before XXXX ) because I've never logged into Sun Trust for ANY reason until recently. I have written them, called them, been placed on hold numerous times, written them again and I've still received no satisfaction or correction. My last letter to them ( XX/XX/XXXX ) was not even responded to. Meanwhile my credit scores have gone down from the high XXXX 's where all three bureaus were until Sun Trust bank deleted my banking information. I need them to delete the erroneous late payment information because as soon as I learned that the account was behind ( through NO fault of my own ) I contacted them and brought it current. In the entire time I have had a car loan with them I have never been late and my bank records can attest to that. Also, I feel that if they've been this careless and callous to do this to me, there are others who have also suffered the same fate. This so-called 'policy ' of theirs needs to change and change immediately! I am ready to contact a private attorney in this matter if necessary because I feel that my rights have been violated. If I give a company access to my bank account so they can withdraw from it every month, but they delete the information -- -how am I at fault??? Why have I been made to suffer?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Product: Credit card or prepaid card

I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my  account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me " that there was no record of that conversation on the account ".
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Equifax. These inquiries were conducted without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

The specific hard inquiries in question are : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were made without my explicit authorization, which is a legal requirement under FCRA for hard inquiries to appear on a consumer credit report.

Equifaxs Obligations Under FCRA 611 : I requested Equifax investigate and remove these unauthorized inquiries. However, they have not provided adequate resolution or validation documentation to substantiate the legitimacy of these inquiries.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities that accessed my credit report through Equifax failed to secure proper consent, infringing on my financial privacy rights under federal law.
Product: Checking or savings account

On XX/XX/2023 I made a mobile check deposit on my phone into my personal account. The check was made out to me for {$1500.00} from my employer. In error I posted the check in question for {$1000.00} instead of {$1500.00} to my checking account. Bank of America caught the error in their system and made the correction on my behalf. They sent an email to confirm. However, Bank of America decided to hold funds for an excessive amount of time, 9 days until XX/XX/2023. I checked with my employer who have informed me the funds were cleared XX/XX/2023. I reached out to BOA and spoke to manager XXXX # XXXX. I explained to him it was an error I had made on the mobile app system and that the funds were needed to pay my mortgage which is now late. I also requested documentation in their policy where they could legally hold funds that long. I got no answers and insisted I have to wait til XX/XX/2023. This is a financial hardship for me. Can anyone help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled personal identification information of myself and millions of others, including names, social security numbers, birth dates, and addresses, putting our credit at risk during the recent security breach. Furthermore, the company discovered the breach on XX/XX/XXXX, waiting more than one month for consumers to be notified. I was potentially affected by the breach, according to their website. The company is further defrauding customers by requiring them to pay for freezes on their credit and advertising a protection service that may require payment in the future, in addition to waiving their legal right to sue.
Product: Debt collection

After XXXX job losses I hired XXXX XXXX XXXX to settle all of my CC debt. Synchrony Bank formally XXXX refuses to speak to any third party, so I got it set up with my debt co to allow me to settle the debt and they would send a check to them. I work during the week and the hours that Synchrony is open so having a few minutes free during a week day I decided to call them to get an settlement amount from Synchrony for XXXX to get them paid, now Synchrony is telling me I have to call back next month on XX/XX/XXXX or XX/XX/XXXX because that is the only days they will discuss a settlement, this is just a way for them to keep adding on fees, they are refusing to discuss a pay off therefore I feel they should n't even get one at this point because I 'm making an effort to do something about this when I hired someone else to take care of it and they are making a pay off very difficult to even get.
Product: Debt collection

I purchased clear aligners from XXXX XXXX XXXX XXXX XXXX  ), on a payment plan which was financed by XXXX XXXX XXXX ( XXXX ). The costs were {$1700.00} cost of goods, which came to a total of {$2400.00} after the cost of credit. 

The service level agreement between myself and XXXX included guarantees for service, including the success of treatment, lifetime adjustments, and a retainer, for which I paid in advance, under the " Lifetime XXXX Guarantee. '' The treatment itself failed, however they maintained that with a lifetime guarantee I am eligible to receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I followed all parts of the policy to remain eligible, including wearing thXXXX XXXX  as prescribed and requesting touch ups in 6 month intervals. 

XXXX filed for XXXX XXXX bankruptcy on XX/XX/year>. Given that XXXX is defunct, and the failure of their treatment, XXXX is no longer position to fulfill their obligations for ongoing treatment through our contract, and is in direct violation of our agreement. However, they continued to charge my account. 

To this date, I have made {$1700.00} in payments, {$38.00} over the principal amount. I ceased further payment through my credit card, and XXXX declined 4 attempts to negotiate and settle the account, given that I had paid over the principal amount. 

They then wrongly sold this account to a collections agency TekCollect which has negatively impacted my credit. TekCollect simply sent my service agreement to me on request that the debt be validated. They have not made any further communications with me, or acknowledged the failure of XXXX to uphold their end of the agreement.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with Transunion. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. Help
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXX XXXX  {$3700.00} XXXX. XXXXXXXX XXXX {$3000.00} XXXX. XXXX XXXX {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XXXX XXXX XXXX unauthorized transactions was processed. Someone hacked into my account and made online cash advances were transferred from the credit card to the checking account and then purchases were made. Money was not to be found. Never once made any online cash advances before. These were unauthorized charges. I called several times and explained numerous times I was unaware of these charges. I am zero liable for these charges.
Product: Credit card

Charges on my Citibank debit card appeared after I was victim to a phishing email used to comprise my XXXX  XXXX  account. I reported the charges as fraud on XX/XX/year> only to find out that they were filed as a dispute and not a fraudulent charge. My initial dispute was denied so I appealed the decision and had it submitted correctly as fraud on XX/XX/XXXX. Throughout this whole process I was never reimbursed the funds or given provisional credits through the investigation which took over a month. After 9 business days and multiple attempts to call the dispute center and check the status of my dispute and provisional credits I finally spoke to someone who first said by dispute was denied XX/XX/XXXX then said she made a mistake and the dispute was denied this morning XX/XX/XXXX. I was never given the opportunity to provide evidence to back my claim even after informing my bank I had such evidence. 

My questions are when will I be provided provisional credits or reimbursement? 

What kind of charge were these charges. Manual enters or chip? 

Was a charge back ever attempted with the merchant if so can you provide the representment docs. 

Here is the reference number for my most recent dispute. 

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

Equifax Refuses to issue my free credit report on line. Direct me to a toll free number.

Toll free number is attempting to charge me by credit card for free report.

Tried to obtain a direct c

all to a person Dial 5 ... per their instructions. Message says that this service is closed until further notice with no other explanation. Insisting that I send a application by snail mail in order to get my report. I spent a day trying to reach someone yet you allow them to ruin our credit with mismanagement. This is Equifax the same company that refused me several years ago. They also reduced my FICO score without sufficient cause. My credit is impeccable and has been for 50 years. No problems with XXXX  or XXXXn.
When are you going to resolve this companies many problems or shut them down!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2600.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

Wednesday, XXXX This morning I called to speak with someone about 'why my credit limit was decreased. ' Initially I spoke with XXXX. I told him that my credit limit was decreased an I told him that, 'I did not understand because my relationship with them has been in Good Standing, and current. ' He said, " we sent you a letter explaining why, '' I told him, " I never received a letter, please explain. '' He asked if I would hold while he retrieved the letter. Once found he read the main portions of the letter. It said that 'every 6-months, XXXX XXXX ( TJ Max Rewards Card carrier ), does a Credit Review of a Consumer 's entire credit bureau, ' and they determine consumers credit worthiness by this. 

I told him that 'this is extremely unfair and absurd, and that my NON XXXX XXXX  business has not been a part of my 'direct, and good relationship with them, and my bureaus have not affected my account whatsoever. ' I asked XXXX to speak with his manager. Shortly afterwards XXXX/ Account Manager got on the line. I asked XXXX directly, " are you saying that my complete Credit Bureaus determine my relationship with your company, regardless of my good-standing account and relationship, and my income being increased '' she said, " No, we determine this. '' My response to her was, " this does not make any sense, if my complete Credit Bureau does not hold any determination merit in terms of my account relationship & credit limit with you, why did you decrease my credit limit? '' She could not explain this. Our call then ended. 

Their practice is EXTREMELY UNFAIR. If every company did this, those with imperfect credit who are trying to rebuild themselves 'one company at a time, this practice would make it IMPOSSIBLE to re-establish yourself, because ALL of your good credit relationships, would penalize you for the entire breadth of your bureaus, irregardless of your good standing with their company. Again, 'this UNFAIR BUSINESS PRACTICE, makes NO SENSE. ' Of the 145.5 million Americans whose credit information was gravely compromised by the Epic XXXX Hacking Debacle under the leadership of XXXX XXXX XXXX, CEO ( XXXX ), no one knows the exact negative impact on the Consumers who were gravely affected. In addition to Syncrony 's Unfair Business Practices ( SUBP ), 'could my bureau be negatively affected because of this, and  this was the reason that my credit was decreased? 

To treat consumers this way is HORRIBLE, and I look forward to a massive XXXX, via all of their stores, BOYCOTT, and their Unfair Business Practices going viral.

CFPB, 'my writing in all caps is NOT intended towards you, I'm just extremely angry how I've been treated by XXXX, and my feelings are only directly towards them. ' CFPB, 'I really appreciate you and the work that you do ... ' Your department is one of the 'few in our country, that truly represent the original old-school business standards and acumen. ' Sincerely Grateful ...
Product: Money transfer, virtual currency, or money service

I contacted Affirm after reviewing upcoming payments for orders placed on XXXX. As I checked each billing date ( per month ) I noticed that each transaction or order was the same order repeatedly for XXXX. I contacted Affirm 's customer service and spoke with XXXX ( a supervisor ) and before this an agent named XXXX, both working from XXXX XXXX, therefore there was a language barrier. XXXX continually interrupted my questions and seemed very annoyed when she couldn't answer my questions. I attempted to explain that I could not see the actual orders I was being billed for via the Affirm app nor on their website using the order numbers provided. I then requested a supervisor, XXXX and I advised him that I was concerned because I didn't know what I was being billed for and needed clarification. XXXX became irritated as well and advised I contact XXXX for the information. I advised XXXX that the order numbers ( XXXX and amount {$550.00} ) Affirm provided did not reflect nor correlate with any orders associated with XXXX, therefore I was referred to Affirm for clarification. My concern is that I can not speak with anyone at Affirm who can clarify what's going on with my orders and Affirm payment schedule. I track my spending and purchases but I'm unable to assess what's going on with Affirm. Both the Affirm App and website are poorly developed, and customers are unable to clearly understand accounts, info etc associated with purchases.
Product: Debt collection

I opened a loan that I was not able to pay. 

This loan was then sold to Pressler , Felt & Warshaw , LLP who have threatened to sue me on multiple occasions with letters ( I no longer have ) unless I pay the debt. 

The only way to pay the debt is by leaving my payment information but they will not show the total I owe. I have tried on many occasions to email and call them as well as arrange callbacks. This law firm has refused to answer any of my communications of me attempting to settle the debt. 

This law firm leaves reviews for themselves on XXXX from personal employees saying how great they are while also include their extension numbers in which you will never get ahold of. This is extremely predatory.