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

I have a identity theft, and/or fraud problem. Some of my credit cards have been replaced, and score is tanking, and credit limits being reduced, and cards i did not apply for arriving, or decline letters. In an effort to see what is happening in credit file, upon advice from my banker, I can get no human on the phone at experian, and can not sign in because they say i already have an account. When I try to change the password as they request, they say they have emailed it to me, but its not coming to me. I can get no option with 9 different phone numbers to talk to a human, so I can not see what's in my report. 
There is no option to change my email address, and i can not reach anyone no matter which menu item i choose. So whatever persons email they have on file, is getting my info, and i can not reach anyone due to no option to talk with a person. its all automated. Ive been trying this for over 4 hours today alone. 
FYI this is an edit,,, at the end of this complaint you ask what name the credit report is in,,, Thats a stupid question, as my complaint is that i can't obtain the report, so how the XXXX would i know the name that have it under
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX i received an alert via e mail that the company Affirm inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX the alert message said that Affirm had just approved a loan for me in the amount in excess of sum {$4000.00} + dollars, i immediately contacted AFFIRM AND ADVISED THEM WITHIN MINUTES that i did not request this loan. 
i was advised by Affirm i would have to contact the party receiving the loan to get the money refunded i explained i did not request it and i should not have to ask the party to refund something i did not do they replied i had to do it that it would be the only way to resolve the dispute i got the information from Affirm as to who the party was after several calls and threatening legal action the party agreed to refund the money back to Affirm the party did refund the amount but Affirm is still holding me liable for XXXX of the loan i did not apply for Affirm has since posted to the credit agencies that i opened a new account with them and that i owe them this amount i have called repeatedly and talked to supervisors and got nowhere i ask you please to help me resolve this this is a bad company doing bad business this company uses your telephone number as a way to authorize a loan in your name the company phone number is XXXX thank you for your time and consideration
Product: Credit card or prepaid card

I have sent numerous requests to this bank requesting a credit limit increase. Unfortunately, each request has been denied for inaccurate and falsified reasons. I had spoken to representatives who had transferred the call to XXXX, or other Account Mangers when I asked to talk to a XXXX. XXXX XXXX Account Manager, said their phones arent set up to route the call to a manager. He instead routed the call to XXXX, also a Sr. Account Manager who initially introduced herself as a Supervisor. I had to speak to three Account Reps. ( XXXX, XXXX, and XXXX ) before speaking with XXXX Supervisor. The bank claims to have checked my credit to provide the reasons listed in the letter. The first lie, Reps were playing the role of Supv. The second lie, performing a credit check, my credit is locked, and Im notified each time someone attempts to run a check. The third lie, everything is system generated, and no persons are involved in the review process. Each Rep changed the response when I told them the previous Rep said there is a Credit and Risk department. XXXX submitted an internal complaint per XXXX. Given the integrity and honesty of these conversions and actions by the bank, how can we be sure his complaint record is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to send copy of my consumer report and initiate security freeze after verification was sent
Product: Credit reporting or other personal consumer reports

THIS IS FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. TRANS UNION YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU TRANSUNION IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN TRANSUNION OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT TRANS UNION HAS COMMITTED AND CONTINUOUSLY COMMIT : 1. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?
Product: Credit reporting or other personal consumer reports

Creditors can not access my Equifax report. It is not frozen or locked on my end. I called and Equifax said they had placed their own security lock on my account. They instructed me to send in my ID and social security card, along with a letter. I did this, and received a letter back stating there was no lock on my account. My account remains inaccessible by banks. I called again on XX/XX/year> and was told that it was " not removed, even thought I sent the documents in, but they are removed now. '' Unfortunately, this isn't true. Creditors still can't access my reports. I called again XX/XX/year>, and the rep had no idea what to do and gave me the number for businesses to call if they can't access my report. This is a mess. I need it fixed so creditors can access my report.
Product: Credit card

I authorized a credit card purchase of {$500.00} through XXXX using my BarClayCard on XXXX XXXX, 2015. I now see that they charged me interest and a cash advance fee for the purchase. This was not a cash advance fee. I believe that because I am using their special promotion of 0 % interest for 2 years, they are trying to get some kind of money out of me. I did not authorize a cash advance on my card and nor would I. They told me I needed to speak to XXXX, which I did on a XXXX call with Barclaycard. XXXX clearly stated that they charged my card as a credit, not cash advance. I believe they should refund my almost {$50.00} worth of fees for this transaction as they can not produce a disclosure stating I would be charged a cash advance fee for this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an account with balance of {$3500.00} account number XXXX held by XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX. 

No proof of this debt was provided, and thus they were required to remove the debt and stop reporting it. 

The debt was originally removed from my transunion account but continued to show on the others, which should not have been allowed As of XX/XX/2020 I again disputed a charge from original creditor XXXX currently owned by XXXX XXXX XXXX, account number XXXX with a balance of {$3500.00} ( XXXX dollar less no less, so reporting inaccurate amounts where they clearly dont have any idea what this debt is ) I have multiple items from XXXX  on my credit report and no creditor should be allowed to report this on my credit as the debt was not verified, and I was never informed that debt was sold again. 

Please have this removed from all reporting locations and block them from illegally putting this on my credit again
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted a account from XXXX XXXX but didn't increase my credit score.
Product: Credit card or prepaid card

Someone has been using my identity to open multiple accounts using my credit cards, including bank accounts. My wallet was stolen back in 2018 and several accounts were open in my name as a result using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX  ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX  XXXX  and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help
Product: Credit card

Hello, I have an issue with Comenity Bank. 
I fully paid off my account on XX/XX/year>, for the amount of {$100.00}. 
After the payment went through I sent a message to the account center asking for my account to be closed. 

I received a message on XX/XX/year>, from one of the service members, CONFIRMING the XXXX balance : meaning that the account had been FULLY PAID OFF, and that my account would be closed. 

Today XX/XX/year>, I get an email from Comenity Bank, saying that my account is past due, and that I owe money, and upon checking the account, I find out that it is past due, with additional late fees. 

I believe this to be fraud, due the the facts : that the account was paid off that the paid off balance was confirmed and that I was told my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both Transunion and XXXX attempts failed through XXXX. I also attempted to obtain them directly from Transunion and XXXX  via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.
Product: Mortgage

FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present. 

If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme. 

The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX  XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy
Product: Debt collection

This company initial reported that I owed a debt but I did not owe anything to the creditor or collection agency. They initially reported that the accoyntnwas assigned to them on XX/XX/XXXX and it would remain on my report for seven years. Upon checking my report recently, I notice that in XX/XX/XXXX, they reported an assigned was XX/XX/XXXX which meant that the account would remain on my report until XXXX. If I understand the process this is a type of gross misrepresentation intentionally used to alter the truth. Now now only have not been able to prove that I owed the debt but now it is there on my report for addition 3 years. This is wrong for me to bear.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Credit card or prepaid card

This is not a duplicate in regards to a previous submitted complaint against Bank of America since my first complaint I have been faxing this exact document to Bank of America and mysteriously they have not received them in regards to my claim clearly here is the proof I have been trying to get to there department in regards to me being a victim of identity Theft thru unemployment insurance please get this documents to the right department so they can be attached to my claim so I can get the money back that was stolen from me
Product: Debt collection

On XX/XX/year> Resurgent Capital Services made XXXX withdrawals totaling {$3100.00} from my checking account. I contacted them and they realized Im not one of their clients and owe no debt. I have credit score of nearly XXXX and I have never been sent to collections. They said they would investigate but couldnt give me a timeframe to fix it if at all. This should never happen. How can a debt collector take funds from someones account in error. I want the funds returned immediately.
Product: Credit card

Dear Chase Bank, I am writing to formally complain about an unresolved Chase Freedom Credit Card account issue. On XX/XX/year>, I redeemed my points for three digital XXXX XXXX XXXX totaling {$130.00}. Despite numerous calls to Chase customer service and three escalations of my case, I have yet to receive the gift cards. 

Whenever I contact Chase, I am told to wait " 2-3 business days '' and call back, but no progress has been made. This lack of resolution is unacceptable, especially during the holiday when access to these gift cards is essential. 

I kindly request that Chase either : Deliver the three digital XXXX XXXX Cards immediately, OR Refund the points I redeemed to my account. 
Please address this issue promptly. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Bank of America has fail to provide a legal contract of purchase an proof dates an type of viecle they acuse me of purchase. 
I have never owned a XXXX nor have I sind a legal contract. I am not marry an bank of America told me, they spoke to my wife an at later time spoke to me .. it's false. 
I found out of this fraud when I tryed to purchase a semi truck. 
After my attempt to purchase the semi I called bank of America an found out the fraud. They record every call. I made a claim to the fraud department an bank of America has refuse to remove this from my credit report. I need freedom from this injustice not to mention the handling unprofessional service matter. I'm asking for proof/ an removeble of charge off out of my credit report. I will also follow with a complaint to the statw attorney.
Product: Prepaid card

XX/XX/year> by myself, my wife and my children were staying at the XXXX  XXXX in XXXX XXXX XXXX. The address is XXXX XXXX XXXX XXXX we were guest in the hotel. My card was on file I paid with cash. I paid with cash went back to my room the following morning we were asked to leave no reason no explanation no complaints. Nothing in my car was charged {$650.00}. I reached out to Cash App support via email that was the only way I could, and I was given the runaround spoken to numerous people with no resolution no solution. I understand the time when it happened with years ago, but its the principal money was taken from me out of my account and I am a loyal and faithful customer.