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

I attempted on several occasions to receive my free report on TransUnion website and also annual credit report and was unsuccessful. I contacted TransUnion and a representative informed me that I was unable to get a credit report because they have my file mixed with someone by the name of XXXX XXXX same dob. My name doesnt even come close to that. That still does not matter how can you merge files and tell a consumer they are unable to un merge them so I dont know what is on my credit. It is the law for me to be able to receive a free credit report. I want whoever is responsible for putting these files together to be held responsible. That is unfair. I was also told by XXXX XXXX XXXX that they are unable to provide me a credit report. I attempted calling to reset passwords and I was told in 7 days they will get back to me. It has been now 83 days and still no access or resolve
Product: Credit reporting or other personal consumer reports

There is a fraudulent collection account on my Experion credit report in the amount of {$420.00}. This has dropped me score by XXXX points. I tried to file a dispute, but Experian would not give me an option to do so unless I first purchase an ID protection service. I do not wish to purchase the service they offered. Addionally, I could not freeze my credit unless I subcribe to their service. I believe I should be able file a dispute without having to pay for it, By the way, I filed a dispute on this fraudulent collection with XXXX for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an incorrect address be removed as the address is not mine and have requested the company remove said address 's. XXXX XXXX XXXX, MO XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are not my addresses and as I have stated are not found on my credit report and these companies are reporting inaccurate information that I have requested several times be removed.
Product: Credit reporting or other personal consumer reports

I was notified via mail that I am a victim of a data breach with Equifax. XXXX XXXX of XXXX I reached out to Equifax in dire need of help with correcting my report. I recently reviewed my credit report and noticed that information pertaining to my personal information was incorrect ( despite previously sending written communication with instructions of how my personal information should be listed ) as well as unauthorized inquiries listed from XXXX that I do not recognize. In total I spoke to about XXXX representatives and XXXX supervisor who all provided the same generic response and no resolution. Equifax is unwilling to assist me with correcting and removing this inaccurate and damaging information that is being reported by their company therefore I am taking the next course of action available that I feel is necessary.
Product: Mortgage

XXXX XXXX.. {$4000.00} in points plus an additional {$300.00} to pull my score predatory lending practice
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX Account # XXXX XXXX  date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.
Product: Credit card or prepaid card

On XX/XX/22 I bought a {$200.00} Vanilla Visa Gift card at a local XXXX + {$5.00} activation fee. I sent the card to the recipient. She informed me the 16 card number was incomplete. 5 of the 16 digits were wiped off. The package was not tampered with or opened incorrectly. Without the code the card can not be used and the electronic bar code demonstrates that the card is damaged and does not show the {$200.00} is on the card. On or about XX/XX/22 XXXX contact InComm Financial Services Inc at XXXX and spoke to a representative. I provide the information for replacement. The rep sent me the email address XXXX. I sent the required information, name address, copy of receipt, copy of damaged card, and my drivers license. The rep gave me the case number : Case # XXXX. I was told I would get an email reply confirming receipt and a new card. 

I have email the company 3 times and can not get any reply, even telling them I am filing a complaint and still nothing. 

XXXXXXXX XXXX, with license from Visa USA distributed by XXXXnComm Financial Services.
Product: Mortgage

Dear Bank of America I received response to complaint XXXX The response is confusing and raised more questions Bank of America response mixed XXXX different loans and properties that are not related except by my name, mailing address, phone etc.- which raised more questions XXXX XXXX, XXXX Declaration by XXXX XXXX Here are the questions XXXX XXXX signed XXXX XXXX, XXXX Declaration of Diligence to reach me- How did XXXX XXXX try to reach me? 
Bank of America has confirmed based on response I had XXXX loans with Bank of America - with same name, address, phone number I was talking to Bank of America every other day to complete modification in which I was told my XXXX assigned representative would be responsible for completing both home loans modifications - when the new provisions were put in place to modify second home mortgage XXXX XXXX - at no time tried to reach me - my mailing address, and phone number is the same to this current date. 
XXXX XXXX - should have been able to contact my modification representative whom also worked for Bank of America Regarding XXXX XXXX Letter XXXX XXXX, XXXX the letter states the foreclosure was XXXX XXXX, XXXX - XXXX XXXX sent XXXX XXXX XXXX, XXXX XXXX I wrote back to XXXX XXXX and explained the XXXX from XXXX XXXX was not in envelope XXXX XXXX wrote back and stated XXXX XXXX did not acknowledging XXXX XXXX, XXXX foreclosure XXXX only XXXX XXXX, XXXX - XXXX with no explanation- stated DO NOT SEND ANY MORE QUESTIONS Bank of America - you attached XXXX - XXXX and XXXX- XXXX - where are the XXXX ? same as XXXX XXXX and did not attach neither XXXX 's. XXXX XXXX states foreclosure XXXX from XXXX XXXX and XXXX XXXX - and XXXX XXXX would not explain why there are XXXX XXXX. 
My question to Bank of America is why are there XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX Explain and attach XXXX 's with next response The Fair Debt Collection Practice Act does not support deceit, trickery, misrepresentation etc.
Product: Credit card

I disputed a transaction I made with the XXXX XXXX XXXX because I have had fuel reader issues twice and upon inspection with my insurance company the windshield was damaged in multiple places, but only one is noticeably visible. Because I lost the dispute and it went over my credit limit they closed my card, which is going to negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

The continued stalling of TransUnion LLC is not acceptable to me. They have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. " .That very well may be the case, however, I demand that TransUnion , LLC provides me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file CFPB complaints and new ones with the FTC and the State Attorney General 's Office in their state. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts that DO NOT belong to me are the below : XXXX XXXX XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00} XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for XXXX Bal? XXXX XXXX XXXX ( CLOSED ) Charge off {$9900.00}, XXXX. It does NOT BELONG TO ME.
Product: Checking or savings account

Around XXXX XX/XX/XXXX, i opened a new Current account Chime account https : //www.chime.com/. I opened the account as it said my deposits were protected by the FDIC as indicated on its website till today " Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Members FDIC ''. 

About 2 days later, the account was opened and i was able to access it via the mobile app. The account number was XXXX and Routing number was XXXX. 

On XXXX XXXX, i wired {$200.00} into the account which was deposited successfully and verified via the mobile app. 
On XXXX XXXX, i wired {$1200.00} into the same account which was deposited successfully and verified via the mobile app, totaling {$1400.00} balance. 
No document was requested from me up to this point. 

On XXXX XX/XX/XXXX, i discovered my account had been closed. I reached out to Chime through phone ( XXXX ) and customer service email XXXX and XXXX detailing the issue. After several follow ups, i finally got the first reply from Chime saying " During routine security monitoring, we noticed unusual activity with your Chime account, and were reaching out to verify your identity. Your account is on hold until it can be verified. ". They asked for Photos of a valid, government-issued photo ID, such as a Drivers License or State ID card and photo of a secondary form of ID ( i.e., passport or signed Social Security card ) . 

In response, i provided my international passport data page as well as my green card ( I do not have a state ID ). My reply was never acknowledged. I followed up and on the XXXX XXXX, they replied with an automated email that asked for more documents : New photos of a valid, government-issued photo ID, such as a Drivers License or State ID card, photo of a secondary form of ID ( i.e., passport or signed Social Security card , Proof of address ( i.e., full page of a utility bill dated within the last 60 days ). 

Between the XXXX and XXXX XXXX, i called everyday spending about 45-1hr on the phone. They would " transfer you to support specialist '' from one person to the other. After about the 5th call, i realized what they were doing. They seem to have an internal system that cut the phone off if the call had been on for a certain number of minutes. So the agent 's purpose was to delay you until that time reached and you got cut off. Each time, i just got the same automated email asking for documents. I have sent more documents but the more i sent the more emails i got. I don't believe they look at those emails or interested in refunding my money. 

I eventually got exhausted and gave up. XXXX  XXXX XX/XX/XXXX, I called again and they did exactly the same thing. They " checked '' for about 30 minutes and transfferred me to " an account specialist '' who was basically a restart of the whole process. They kept me on for about 15 mins and the call got cut off. Not sure what to do but it shouldn't be legal that a company would take money, add no value and keep it to themselves. 

Can you please help? I just need a check of {$1400.00} sent to the address on file on their record.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

I 'm trying to refinance my mortgage. I defaulted on a loan to HSBC they sold it to XXXX but there is n't any record of the transfer. I paid XXXX and XXXX, XXXX 's attorney but now I cant get a clean title. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. 

XXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. 

Equifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. 

I never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. 

I sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. 

I cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. 

Please look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. 

I,
Product: Credit card or prepaid card

On XXXX, I unexpectedly received an email from the bank that my account has been permanently suspended and that all access has been terminated. I have a large amount of money on the account and they are refusing to return my money, access it or transfer it to another account. I made numerous attempts to call them and I was told there was nothing i can do and given no explanation.
Product: Debt collection

Formal Complaint and Demand for Proper Validation To Whom It May Concern, I am writing in response to the incomplete and insufficient documentation provided to me in connection with the alleged debt you claim I owe. The documents you sent consist primarily of a generic Bill of Sale and assorted bulk transfer paperwork between third-party entities, none of which provides clear, substantive proof that I am legally obligated to pay this debt. 

What Your Response Lacks : No original signed agreement between myself and the original creditor. 
No account-level documentation showing how the alleged balance was calculated. 
No detailed payment history showing how you arrived at the current amount you claim is owed. 
No documentation tying this specific debt to me, my signature, or my legal obligation to pay. 
These omissions are unacceptable and fail to meet the basic requirements for validation under the Fair Debt Collection Practices Act ( FDCPA ). The generic documentation provided is insufficient to legally establish ownership, accuracy, or my liability for the debt. 

Formal Demand I hereby demand that Spring Oaks Capital LLC cease all collection efforts until such time as you provide : A copy of the original signed contract with the original creditor. 
A complete and itemized account history from inception to present, showing all charges, payments, fees, and interest. 
Specific evidence that this alleged debt is tied directly to me. 
Bill of sale with account numbers of credit bought from XXXX to prove ownership. 
Credit Reporting Additionally, you are furnishing information to the credit bureaus that is unverified and inaccurate, which is a potential violation of the Fair Credit Reporting Act ( FCRA ). I am formally requesting that Spring Oaks Capital LLC immediately request deletion of this account from all three credit bureaus until such time that you are able to provide proper, documented proof. 

Final Notice If you fail to provide the requested information within 30 days, I will consider all further collection and reporting efforts to be in violation of federal law and will pursue all remedies available to me, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, as well as exploring my rights to seek damages under the FDCPA and FCRA. 

This is not a refusal to pay but a demand for your compliance with federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent money through chase QuickPay using XXXX for a XXXX XXXX.I transferred XXXX dollars to the seller using the phone number he gave me.I received the bottle a couple of days later and checked it to see if it was authentic and realized it was fake.I filed a dispute with chase on XX/XX/XXXX and after 10 days they said they tried to take back the money from the sellers account but was unsuccessful so chase said that was all they could do for me because I initiated the transaction so basically XXXX and Chase make it easier for scammers because both deny liability and both are not willing to help at all and scammers know this and take advantage.There has been many stories of people losing money using XXXX and banks do nothing to help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX  Account : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much
Product: Debt collection

On XX/XX/2020 I received a call from One Advantage collection agency. I did not know this was them until I voluntarily allied them back and they ID self. To start the call the representative named XXXX asked what balance and account was before every verifying me or giving me any information whatsoever. Extremely strange and from What I know an FDCPA violation. After this she aggressively kept asking me what my date of birth was while refusing to answer any of my questions. I asked for a supervisor several times and she kept saying I can get a voicemail. She would not tell me if her company was a first party or third party collection agency. This call was horrible from the jump and very unprofessional. She ended up terminating the call on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX  6.XXXX XXXX XXXX 7.XXXX XXXX