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

Equifax refuses to allow me to access my account at all. I have tried calling and I have tried logging into their website. They're claiming that it is because they can't verify my identity, but I know for a fact that they have added information that isn't even correct to my credit report, so obviously they don't see any need to verify anything. And they made no effort at all to verify my identity when they spoke to me, they just asked me to mail them a copy of my social security card. Not only would this put my personally identifiable information at completely unnecessary risk, but it would accomplish absolutely nothing as I already correctly told them my full name and social security number on the phone. 

XXXX  had no trouble verifying my identity via my name, date of birth, address, etc., there is no reason for Equifax to deny me access to my account.
Product: Checking or savings account

I tried to open an account and deposit a US Treasury check in the amount of {$690.00} at first they said that they were holding it to make sure that it cleared because they received confidential information that the check would not be cleared when it cleared they held it another month when I called them they could not explain why an investigation was put on my account seeing as there was no transactions but the money was still not accessible I could not withdraw it I can not transfer it I can not get a cashier 's check they said to come into the bank but there is no Bank located within 250 Mi of where I live I tried explaining that they did not care
Product: Debt collection

I received a loan of {$400.00} from Advance America. I am a XXXX person and had a hardship and could not pay the loan myself. I had XXXX pay the loan. On XX/XX/2016 a Settlement Agreement was reached with Advance America / XXXX for {$250.00}. Yet I continue to be contacted by XXXX of XXXX claiming that I owe over {$300.00}. I have stated to XXXX that this debt has been paid in full. I have offered to present her with the documentation but she refuse to accept any documentation. She asked for an account number, I obtained the documents and account number but she again refused because she said the amount was inaccurate. I have requested that she send me some validation of debt but she refuses and instead threatens to take to court for the amount, which I do not owe, and have me pay court costs also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think you know - Equifax - have tried multiple times to freeze my credit report with them and their own website gets you close but then gives you an error - the other two services XXXX and XXXX  worked fine - someone should really really hold Equifax accountable - they say their website is working but then it says come back later after you enter all your data, I tried several times - if I suffer because of their inability to first protect my data ( which I did NOT ask or give them permission to collect ) and then their inability to institute locks or freezes who holds them accountable - this is crazy!!!!!!!
Product: Checking or savings account

I use Chime ( XXXX XXXX  ) and have been dealing with this issue for about 3 months now. Ive filed SEVERAL claims with this bank just for them to keep denying it despite all of the documentation that proves I was dealing with a fraud situation. I paid a total of {$920.00} for my half of the deposits for TWO different rental properties and had to leave both. I have the copies of both leases, filed a report online and have contacted XXXX and Chime and neither one has done anything about this fraud situation. I paid for a product and did not receive it. Thats fraud. However, Chime employees just kept telling me the same script about receiving documentation on why my claim was denied or submitting more evidence to reopen the claim when I have provided everything necessary. I just want my money back from this situation because I have been in between homes ever since this has occurred and not one company has done their part to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX up to date with everything. They told me that they would remove these late payments but they haven't.
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX  card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They  are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Checking or savings account

Bank of America is fraudulently converting idle accounts to accounts that require payments. They have charged me for 3-4 months after converting my virtual banking account to some other account *without informing me*. There has been a lot in the news about companies converting idle accounts so I logged in to a bunch of places including my BoA account to discover they did indeed do so! 

I am abroad and BoA refuses to talk to me via email or provide a toll-free number, therefore avoiding the issue. In the first place, they should not have converted my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I started this loan in XXXX of 2005 and started paying the interest. on a XXXX loan. I have paid XXXX not including fees. I have a 6.5 % interest rate and I still owe XXXX. They claim interest is accrued daily and wo n't explain what that means. I have paid more than double the amount with fees easily But they only apply to the interest not bring down the principal thus then charging me interest on my interest daily and never working down on the principal. They wo n't let me release my co signer and they wo n't let me consolidate it into my fed loans. I have written my congressman and because its a private loan they ca n't touch it. They also call non stop and wo n't stop. They also have ruined my credit and my mothers credit who is a co signer.
Product: Money transfer, virtual currency, or money service

Please note : Chose the most applicable categories to submit this complaint as closest I could find from the choices. 

My Coinbase account was compromised. As I subsequently found out, this was apparently due to " SIM-Swap '' where the perpetrator managed to have my phone number somehow transferred from XXXX to the perpetrator - XXXX confirmed the " sim swap '' had occurred. That was then used to gain access to my email account which was used to reset password to Coinbase account. The attached document indicates notes/details of the incident and action and was submitted to the FBI - Internet Crime Complaint Center. I have not received any response or follow up based on that submission. As of now, I have also not been contacted at all by Coinbase and therefore have no access to my account and holdings. Also attached are screen caps of the notification I submitted to Coinbase again on XX/XX/2020 XXXX had submitted similar earlier at the time of noticing the incident but submitted again when looking for additional method of contacting since had not received any response by then nor any response based reporting incident to Coinbase using a number I was able to locate for them : XXXX ( supposed to be for reporting compromised accounts ) ).
Product: Debt collection

This letter is my XXXX  request to remove your inaccurate and unverifiable accounts from my credit report. This is a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I respectfully requested that your office provides me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX Account Name : XXXX XXXX, XXXX -I mailed out a letter on XX/XX/year> requesting validation of this debt within 30 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

-I mailed out a 2nd letter on XX/XX/year> requesting validation of this debt within 7 days upon receiving the notice, I have not received a response with competent evidence that I have any legal obligation to pay you. 

The following account remains unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus Account number XXXX Account number previously reflecting on credit report : XXXX
Product: Bank account or service

I 've had over {$1000.00} wrongfully charged my Utah Eppicard ( child support ). When I call any number and select any option, I can not get anyone on the phone! I have sat on their IVR for over an hour, each day this week! How can I dispute my transaction when no one answers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from AUTO TRAKK LLC. Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.
Product: Debt collection

Call from " Discover '' from XXXX on XX/XX/2022, followed by repeated calls from " Discover '' from XXXX asking for a " XXXX XXXX '' who is not at my number. Calls and voicemails on weekdays from XX/XX/XXXX to today. Internet search mentioned debt collection scam from this number so calls have not been returned. I have never had a Discover card or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Several accounts are showing paid but still displayed on credit report inaccurate with Experian, XXXX and XXXX. Each agency has different reporting on some accounts. XXXX XXXX paid off {$1600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX paid off {$650.00} XX/XX/XXXX, XXXX XXXX {$1500.00} XX/XX/XXXX, XXXX XXXX {$3600.00} XX/XX/XXXX, XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$990.00} XX/XX/XXXX, XXXX  {$850.00} XX/XX/XXXXXXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX, XXXX XXXX {$31000.00} Identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ( XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX , Inquiry Date XX/XX/21 XXXX XXXX, Inquiry Date XX/XX/21 XXXX Inquiry Date XX/XX/21 XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX, Inquiry Date XX/XX/21, 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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a fraud credit alert from XXXX  that my credit was pulled with ( ONE MAIN FINANCIAL ). I did not apply for anything so I immediately called the number listed on the FRAUD ALERT and spoke to a representative at ( ONE MAIN FINANCIAL ). The ( ONE MAIN FINANCIAL ) representative said that they did not see any credit application in their system. I explained to them that I received an alert stating that there was an application for a loan, but I did not apply for anything. Again the rep said they did not see any application or credit pull. 

I then called the Credit bureaus to dispute the fraudulent inquiry and have it removed. It is now XX/XX/2021 and the fraudulent credit inquiry is still on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I contacted a seller on XXXX  to purchase sneakers. After communicating with them, I sent {$450.00} to them via XXXX XXXX to purchase a pair of sneakers. After the money was sent, the person confirmed that they received it & stated that shipping takes 2 weeks. They also mentioned that I would be provided with a tracking number but I was not. On XX/XX/2020, I contacted the person asking if the item has been shipped and they did not respond. On XX/XX/2020, I contacted the person again & they did not respond. I tried to message the person the next day, XX/XX/XXXX, but I learned that they blocked me from contacting them. After waiting to see if my package would turn up, I contacted XXXX  XXXX  to tell them about the problem on XX/XX/2020. They stated To provide you with some context into this, XXXX XXXX is unable to cancel or refund Cash transactions after the funds have been transferred to the recipients account. However, you can request the same amount of money back from the recipient using the XXXX XXXX. I tried to request the money back from the person but it wouldnt allow me to. On XX/XX/2020, I filed a claim with my bank ( Bank of America ) about the situation. They claim eventually closed and I was not paid. On XX/XX/XXXX, I filed another claim about the situation with proof that I have been scammed on standby. Again, my claim was closed and I was not paid due to XXXX XXXX being only responsible for sending money. On XX/XX/2020, I contacted XXXX  XXXX  again. They basically explained that they couldnt do anything about the situation & they would return my funds if they could. I have purchased merchandise from this seller before so I dont understand why they would scam me. However, Ive never made a purchase this big with this person. I still havent received my product nor my money back from the seller nor the bank.