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

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I this rectified by improving their security features, by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit card or prepaid card

I ordered two tickets to a XXXX XXXX concert on XX/XX/XXXX. I tried to log into the XXXX  web site but it appears my attempt was hijacked. I realized after placing the order that the I was charged {$440.00} for two general admission tickets that I was able to buy directly from XXXX  for {$100.00} a few days later. So, I called to cancel the original order but the phone number on the ticket confirmation was to a third party called XXXX XXXX Services. I asked for credit and was told the tickets were not refundable even though the tickets had not been sent to me ( and still haven't as of XX/XX/XXXX ). 
I contacted Wells Fargo in XXXX ( I can't locate exact date ) as they manage the XXXX  account used to purchase the tickets. I explained the situation and we called XXXX together to try and resolve the situation. When that didn't work, Wells Fargo initiated a charge dispute and was told that Wells Fargo would need XXXX days to resolve the complaint as they need to give vendor time to respond. 
I received an email from Wells Fargo on XXXX indicating that they would need another 60 days to complete their review. I called on XX/XX/XXXX to complain that this was already 60 days and after talking to many people was routed to the Executive Office. 
I received an email from Wells Fargo on XX/XX/XXXX and had a subsequent conversation with a " goal is to provide you with a resolution on or before XX/XX/XXXX. '' Today is XX/XX/XXXX and I just received an email that Wells Fargo has not had time to complete research and the " What's next, We'll follow up with you by XX/XX/XXXX. If we need more time, we'll let you know. '' This is getting ridiculous and the tickets, which I haven't received, will be worthless by XX/XX/XXXX.
Product: Debt collection

I have been call ed on my cell phone as well as at my job by several shell companies under the same umbrella trying to collect on a capitol one credit that was included in a chapter XXXX bankruptcy in XX/XX/2009. I have repeatedly told them that the credit card in question was included in the bankruptcy. Each time, they place me on hold, they verify what I have told them and tell me that I will be taken off the call list. Unfortunately, the following week, I am contacting by a " new cmpany '' that they say is not affiliated with any of the previous callers. They always say my name will be removed from the list, but I continue to get calls at work and my cell phone.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; 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

I reviewed my account around XXXX 2016 and disputed some inaccuracies on my credit report. I completed a dispute with Experian to ensure that inquiries from XXXX, XXXX, XXXX, XXXX, XXXX ( which appeared twice ), XXXX, XXXX be investigated as they were inaccurate. I reached out to the vendors to verify most of the inquiries and they stated that I never even had an account open with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax scoring with XXXX points drop in my score. There is no rhyme or reason for for this astronomical drop in my score. There is no reason for Equifax or XXXX to drop my score. I have worked for years in getting my score to be good. This is preposterous and ruthless that Equifax would drop my score XXXX points. I'd like for CFPB challenge Equifax to challenge Equifax and XXXX XXXX XXXX for the unscrupulous and fraudulent charges on my account. I asked XXXX XXXX XXXX to give me some help because I ran into financial difficulty a few years ago. ACA, worked with me twice, then put my arrearages on the back of the loan. Since then, I've never been late. XXXX has extended my loan over XXXX year. 72 months was the original contract from 2016. I don't mind paying some penalties, but ACA to charge me {$3.00} penalty a day, is unequivocally fraudulent and ruthless. I want ACA to be investigated for fraud and for making attempts to ruin my credit. I've searched ACA on line and they are notorious for fraud and stealing from its customers. I will also report my concern to the, Federal Trade Commission in order to stop XXXX XXXX XXXX from hurting hard working customers like myself. Please, please stop this company from hurting honest and hard working Americans like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer/ natural person/ living man, I am enforcing my rights. 
TRANSUNION is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give TRANSUNION written permission or consent to furnish any accounts on my consumer report.

Furthermore, TRANSUNION is in violation of 15 USC 1681e - Compliance procedures. According to this law, TRANSUNION must produce the permissible purpose, they must also certify it and send me disclosures.

And further, TRANSUNION is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report.

And further, TRANSUNION is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 3 ) & ( 4 ). They are not exercising their responsibilities with fairness, impartiality and privacy.

And further, TRANSUNION is in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. TRANSUNION is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that.

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately Experian and XXXX have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported XXXX XXXX below needing to be immediately Removed & Deleted. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX EXPERIAN - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX NORTH XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN - XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.
Product: Money transfer, virtual currency, or money service

My husband transferred XXXX XXXX from his XXXX account in XXXX using the correct account number, name and address of an XXXX Checking account on XX/XX/XXXX. 
The funds didn't arrive for some XX/XX/10 days. 

After contacting XXXX they informed me that their checking account can not receive international transfers and the SWIFT code used in his transfer was for receiving international transfers to their brokerage account. E-trade use Well 's Fargo as an intermediary for international transfers - so the XXXX used for the transfer was Wells Fargo 's. 

XXXX informed me that I should ask the sending bank in XXXX XXXX XXXX XXXX to send through the XXXX of the SWIFT transfer for them to track the transfer, which was then sent to them on XX/XX/XXXX. After following up on XX/XX/XXXX, XXXX said there was no information on the XXXX that identifies XXXX as the intended beneficiary bank - my husband hadn't included a routing number. 

XXXX then told me to ask the sending bank to recall the transfer as it's probably stuck at the intermediary bank XXXX Wells Fargo XXXX. The sending bank ( XXXX XXXX tried to recall the funds but was unsuccessful - they said we need the beneficiary 's approval. But as the intended beneficiary is me, and I didn't receive the funds in my E-trade account, there is no one to seek approval from. 

The sending bank have said they have done all they can & E-trade have also said they can't talk to Well 's Fargo because there is no identifying code on the XXXX for XXXX. 

So the funds appear to be credited to an account that is not the intended recipient and the intermediary bank is not willing to return back the funds to my husband. 

Hoping that with your help there will be some resolution to this. 
I've included the XXXX with the account number removed showing the XXXX XXXX of Well 's Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.
Product: Debt collection

On XX/XX/XXXX I received a phone call from IQ data international Inc [ phone number : XXXX ] a debt collection agency inquiring about an open debt in Florida where I appear as the debt owner or co-signer of {$12000.00} related to a moving service or a storage facility back in XX/XX/XXXX in Florida. I explained that I have never lived nor know anyone in Florida and that I didnt recognize the debt she was referring to. She started to request my mailing address that I didnt disclose and she tried to convince me that the call was legitimate by saying my XXXX ( which was correct but she could have search on social media ).
Product: Mortgage

XXXX sold my loan to Carrington I am in the process of refinancing and after several attempts XXXX and myself have not been able to get my payoff from Carrinton. 
How do we go about them giving us a payoff?
Product: Mortgage

I already disputed this on XXXX/XXXX/2015, but the creditor came back with a form letter response. I do not feel like it was addressed properly. Residential Credit Solutions was in error with their reporting of my credit history. I felt they used unfair practices to create late pays and fees. They 're not helpful when I call to discuss. They changed my ESCRO account minimum threshold years after I was into a loan. That 's what caused a series of late pays that was eventually corrected, never to happen again.
Product: Debt collection

I pulled a copy of my credit report and noticed that there were 2 companies. 1.XXXX XXXX XXXX-REPORTING 20-LATE PAYMENTS. 2.XXXX XXXX-REPORTING 60 LATE PAYMENTS- listed on my credit report and they were reporting several late payments in which i disputed this information with the original creditors and noticed that transunion is still reporting these late payments on my credit report. i also send the credit bureau a letter certified requesting that they provide me any documents they have on file from the original creditor but instead my request and my letters have been denied regarding alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and or civil rights, making liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ 1,000+ per still unproven, untrue, inaccurate, untimely, incomplete, or elsewise not compliant item reported that is hereby now being challenged in writ composition legally a consumer compliant notice in demand for a check for compliance and further irrefutable evidence to such a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

im really fed up w the way equifax buys time acting like there investigating my complaint. this is the 6th time ive filed and ive lost track of how many months have gone by and nothing has changed except Im getting denied credit due to mis information and lack of information alomg w wrong info that has not been changed or updated since XX/XX/2019 yet you allow equifax to pretend there investigating only to come back telling me they sent out inquiries to my creditors to get info why there messing up instead of them admitting there the problem. then i get a reply telling me be more specific? how much more specific can I be about my report not showing up when a creditor tries to see my report and if they do somehow get one its all bogus info dating back to XX/XX/2019 and blank in most places. I want compensated for there negligence and by law ive got ever right to get it. im 64 im not getting younger ive been debied a home loan, a car loan, a bike loan a personal loan and they use covid 19 as there reason there behind. i am sick of hearing that my XXXX is losing everything and i have nobody i can blame because of this virus. i think my info was comprimised back when equifax got hacked and there doing everything in there power to cover it up and buy time. youve cost me my most valuable asset of time wasted n You are held accountable. look at my complaints if you need more background they speak for themselves. lastly equifax has emailed me telling me they answered my disputes. thats nice if i could sign on to myequifax but they locked me out for reasons unknown so i have no recourse or idea what they have said but im sute its XXXX n buying time tactics putting it back on me. im done with this broken one sided system. the law is not on my side its obvious im the lil guy n you could care less about me or fixing my credit. so pay me now or pay me more later. IM SICK OF WASTING MY TIME TRYING TO PLAY BY THE RULES THAT ARE MADE FOR YOU TO IGNORE ME N HOPE I GO AWAY. I WONT TRUST N BELIEVE IL CONTACT SOME ATTORNEY WHO KNOWS THE GAMES YOU PLAY AND THEN MY DAY WILL COME. THIS IS UNFAIR AND NEEDS PUBLISHED SO OTHERS KNOW THE GAME YOU RUN.
Product: Mortgage

As of today XX/XX/XXXX, I spoke with my loan officer at CMG Financial to determine the status of who owns my mortgage, and where I'm supposed to send my mortgage payment for the loan I refinanced on XX/XX/XXXX as I only received 1 servicing statement for XXXX. On XX/XX/XXXX, I reached out to my old LO who said that the mortgage was sold to XXXX. After going to XXXX servicing website to look up my loan information I determined that both CMG Financial servicing and XXXX servicing uses the same system, XXXX. I have now called their support line at least 5 or 6 times and met with the same issue, they indicate my old mortgage was paid in full, and there's nothing else in their system. I've been told my wife 's social doesn't exist in their system, and no other mortgages are tied to my SSN. 

According to XXXX, the only mortgage with my SSN and property is the one that was XXXX in XXXX, it shows " Inactive ''. 

I did send a check to CMG Financial for my XXXX payment and they did cash the check, however they didn't pay my Homeowners Insurance and they are now threatening to cancel my insurance.

I'm very concerned about my credit, whether my taxes will be paid on time and my homeowners insurance. What do I do? I can't get a straight answer from CMG or XXXX... .so did CMG lose my mortgage? Help...
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by an individual going by the name XXXX XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my PayPal account to fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delmarva Collections : XXXX XXXX XXXX This is account is past the statute of limitations in MD and has expired. It is still being reported on my credit report. I am well aware of my right under the FDCPA & my state laws governing the amount of time that collections are allowed to report on my credit file. This time has past and this needs to be removed. I was also unaware of this debt period as I have never received any correspondence or notifications from this company stating that I owed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to provide a copy of my credit report and credit score to a landlord as part of obtaining rental housing. I went to the Transunion site and the XXXX   site. 

I was able to get a copy of my credit report from XXXX XXXX XXXX fairly easily, however, it doesn't contain my credit score, which is required by the landlord. 

In order to get my score, TransUnion requires me to sign up for a {$20.00} / month monitoring service that I don't want ( and only allows me to see my score on screen, I can't download a file to share with anyone ) or to pay {$9.00} for a one-time report in PDF. 

The Transunion Monitoring service sign up process collects my credit card information without ever disclosing the cost of the monitoring service or how I can cancel it - my card was charged {$19.00} before I was aware of the cost of the service. Transunion also does not make clear that the Monitoring Service does not allow a download of a PDF. 

When I called TU customer service - I worked with XXXX # XXXX - he was pleasant to speak with, but clearly was under instructions and training to make it difficult for me to simply get what I needed - my credit report and score - without signing up for paid services. When I cancelled the monitoring service the same day - because I realized that despite paying {$19.00} / month I couldn't simply download a PDF of my score and report. I was still charged for the first month and had to insist multiple times that he actually cancel the account ( he tried to upsell me multiple times ). When I asked to speak to a supervisor, I was told that the supervisor 's systems were all down today and that if I needed to speak to a supervisor, I would have to call back tomorrow. 

the FCRA should be amended to require that all consumers get access for free to BOTH their score and their credit report once a year. It is ridiculous that reporting agencies can get away with only providing the report but not the score.