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

I submitted a written request to Transunion dated XXXX to validate a collection account from XXXX management Service that started reporting on my credit report XXXX. I don't know who this company is and I have never had any business with them. I received an email from Transunion today XXXX that they had completed my request and the information would remain on my report. Transunion has the date of my requested dispute as XXXX which is not correct since my written request was on XXXX. This discrepancy shows that Transunion is not doing the investigation. They just put a random date on when they claim the dispute was opened and then never really do the work per the FCRA. There is no way they did any validation of this collection account between XXXX the day I drafted mailed my written request and today when the say my request is completed and the collection account will remain on my report. Again, Transunion says this request for the dispute was opened on XXXX and it was not. Something is not right and Transunion thought I would not notice the error on the date of the requested investigation. The Transunion File Identification Number for the dispute that they say was opened on XXXX is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app. I have XXXX VISA card, originally at a XXXX} balance. I have paid $ XXXX XXXX religiously ever month. My balance is at XXXX now and Equifax lowered my score XXXX points, XXXX raised my score XXXX points. 
Equifax explained that my debt is less ( paying my card down ), so therefore my score goes down. 

I am truly being disciplined for getting out of debt. The system seems to be set up for me to keep a XXXX balance, pay the minimum and my score would go up, while the XXXX lender makes a ton of money from me. 

The system needs to be addressed and fixed. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received an email ( in the middle of the night ) stating my online application for a new Bank of America checking account was in process, then received subsequent emails about my application, verifying email, etc. I called Bank of America Fraud department and opened a case the next day, was given a case number, and told this happens often but they would follow up. I froze my credit and put a fraud alert on my credit/SSN to be proactive. I never heard back from BoA. A month or so later, I got a bank statement for this account ( no activity on account ). In early XX/XX/XXXX, I had the same issue with opening a fake account in the middle of the night. I went to my local branch and they were not very helpful, stating I could not have any additional information on the account since I didn't open it. The branch manager said this happens a lot and the fake accounts are typically closed before the consumer is even aware that they were opened. OK, just a necessary evil it seems, especially since the accounts never have any activity ( no deposits or withdrawals ). Now on XX/XX/XXXX, I get yet another notification of a new account. By now I am desensitized and think these accounts will eventually just go away, so I ignored the email. Today I received a debit card for the account. I'm tired of wasting my valuable time pursuing this. If I call, it's at least 30 minutes to explain myself to the new person I've never talked to. If I go in, they give me no information. I have never received any follow up from the fraud case I have opened with them. I can not believe they can not block my social/email/something in their system for opening new accounts, as I will never knowingly do business with them after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with TransUnion and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws TransUnion has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. TransUnion should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. 

Once their reinvestigation is complete, I would like for TransUnion to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been open since XX/XX/XXXX. Account started reporting to all 3 credit bureaus as being closed 2 months after XX/XX/XXXX when my checking account had Charged Off because of a negative balance. My credit card was placed on a block until my Charge Off was paid for the checking account. My credit score went from XXXX to XXXX due to this matter at that time. They stop reporting that my account was open and as well they had taken away XX/XX/XXXX& XX/XX/XXXX months of payment history from my credit reports then later put the information back on my credit report which was at least 6 months later when the Charge Off was paid. I regularly made payments on the account even though my access to my credit card was blocked. They kept stating that my account was still open and it should n't be reporting as closed, but someone within the financial institution was giving bad information to all 3 credit bureaus.
Product: Debt collection

I recently viewed my credit report and noticed Credit Control Service reporting an alleged debt. For starters, I have never done business with Credit Control Service and do not owe this company any money. Ive mailed two letters requesting validation and proof that I have done business with them. They have yet to provide any documentation. It is absurd that this company put something like this on my credit file. I found that to be odd because for one the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they could not provide me with validation.
Product: Debt collection

I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX  EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax continue to report inaccurate information on my consumer file. There are several inquiries that I did not authorize and have not been validated as belonging to me. I demand each credit bureau provide me with the documentation bearing my signature and that of the company listed that proves I have authority. Each bureau is paid to report information to help determine the credit worthiness of each consumer and by reporting incorrect information that hurt the credit profile and credit scores I am damages due to this. 

XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan/ credit card was taken out due to identity theft. It does not belong to me, I have never applied for or received a loan/credit card from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

i would like to make a complaint about this debt collector santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX i have made a dispute since XXXX in the amount of XXXX $ i asked them to verify the validity of this debt they never send me a response back, i want them to remove me from they database and delete this debt because they couldn't provide me with a written verification of this debt.
Product: Credit card

I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my own credit to make sure I am not being curved my rights that the reporting must be 100 % accurate not by 90 % or even 25 %. However, I have been getting the response " Verified '' when it is clearly not verified if there are numerous inaccuracies on every level. I have been at this since XXXX because they just started reporting the account at the end of XX/XX/XXXX, When I pulled my report with XXXX XXXX  on XX/XX/XXXX the account by the name or XXXX XXXX XXXX was not showing on the report but Experian claims they have had this sitting on their end since XX/XX/XXXX which this is incorrect and inaccurate proving on the Report XX/XX/XXXX. This is reckless to report my information incorrectly for MONTHS!!! I will be adding in proof that they did this to my account and I do not appreciate this either, I was trying to purchase a home and reliable vehicle and could no due to the collections that is reporting. There are also, Inoccrect Dates Opened, I did not open this account on XX/XX/XXXX. The Balance and High Balance are not reporting accurately! The High Balance has to be Higher than the Balance itself and we all know this is the purpose. They are showing a Date of Last Active as XX/XX/XXXX and I had no knowledge of this account until the end of XXXX or early XX/XX/XXXX. This account is showing as joint and that is inaccurate! 


Experian is also showing an Account with XXXX which was removed by The other two bureaus but not with Experian. Experian is still showing late payments on CLOSED accounts and they have been warned of this knowledge and have yet to correct this issue for MONTHS!!!! It is also showing that it is an " Installment '', when the Payment status is showing as Collection and Charge off? Which one is it? The High Credit Limit is lower than the Balance itself which is also incorrect. The date of Last Active doesn't even match the payment history below which is also inaccurate! The date of the last payment is also incorrect. The open date is also inaccurate!! 


I have also asked for an independent investigation because due to XXXX Vs XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint. Neither company has sent me proof as to what they have and how they have come but I do know they both can not be right if they are showing contradicting information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had negotiated an interest rate reduction on 2 of my Bank of America credit cards in XXXX of 2020. Bank of America agreed that I would be on an auto pay plan for the 2 cards with the first payment to commence on XX/XX/2020. However, although the payments were being made as agreed and taken from my account monthly, they still had me marked as late from XX/XX/2020 through XX/XX/2020. This is obviously negatively impacting my credit rating. Bank of America was notified and it still has not been corrected.
Product: Credit reporting or other personal consumer reports

This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the credit bureaus are deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. 

XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Your actions are in violation of FCRA Laws XXXX XXXX XXXX XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> }, you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXXXXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX - XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }, you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an e-mail from myEquifax telling me that they have a new way for us to monitor our security freezes. They are basically forcing us to enroll in this or risk our information being used against us AGAIN due to their very lax " security standards ''. This is very wrong and will lead in nothing but trouble. Why can't you protect us from these idiots?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting state statutes of limitations. 

Misrepresentation : Misrepresenting the nature of the debt, including the amount owed Falsely claiming to be an attorney Constantly trying to change their name and so they can put an a ledged old debt on my credit in different ways
Product: Checking or savings account

received mail with PIN numbers about accounts opened with us bank checking, savings and money market and checks have already been written and deposits already in accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 ELAN FINANCI is reporting as an inquiry on my XXXX  report and i never applied for this company either, XX/XX/XXXX, XXXX,
Product: Mortgage

This is 2nd complaint against Santander. Been trying since XX/XX/XXXX to fix this mess. They have refused to co-operate with our continued efforts to fix mess they made with our escrow account. Blaming town, me, everyone but themselves. They made tax payments, took $ $ out of our account, then charged us additional $ $ saying taxes were outstanding. They pay the taxes, why are they outstanding? We are being charged extra {$580.00}. Have tried to cancel escrow, they will not do without us paying extra fees, claims it is in our contract and that we got .25 % less of a rate for them doing the escrow. However, our mortgage was done under HARP so that is a lie. They refuse to send me proof or that we signed anything to this effect. Refuse to send me copies of cancelled checks for taxes paid to town. They paid our taxes for XX/XX/XXXX and took XXXX out on XX/XX/XXXX. in XX/XX/XXXX the took out XXXX saying it was outstanding taxes for the above payment when none was due. Was told onXX/XX/XXXXby XXXX XXXX - their XXXX tax dept - that it was an overpayment and that in 24-48 hours we would get $ $ back into account, and ok for us to pay P & I pending reimbursement. $ not back in our account. Sent cert. letter to tell them to stop paying taxes, they ignored and paid our XX/XX/XXXX tax against our wishes. Refuse to reimburse the $ $ they took out. Where is this money???? We paid our XX/XX/XXXX mortgage at bank, principal and interest and XXXX arrears in escrow, pending the reimbursement of {$580.00}. However, now getting collection calls that our mortgage overdue, illegally charging us late fees, and even though our receipt says it is for P & I, they are refusing to credit our account. They are making collection calls and sending letters that we have not paid our mortgage when we have the proof we did, and we are not behind.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

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

XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. The consumer reporting agencies have failed to do a complete investigation as required by the FCRA. I am requesting my credit file pursuant to 15 USC 1681a ( g ) and that the XXXX XXXX accounts on my consumer report be corrected to reflect open with no missing payments. I have attached the complaint that has been filed with US District Court and will file a complaint with the consumer reporting agencies if they continue to report the account with missing payments. Pursuant to 15 USC 1681b ( a ) ( 2 ) the consumer reporting agencies are to furnish my consumer report under the following circumstances and no other, " in accordance with the written instructions of the consumer to whom it relates. '' My written instructions are as follows : report the XXXX XXXX accounts as open with no late payments. Experian, XXXX, and XXXX do not need to contact XXXX XXXX in order to follow the written instructions of the consumer, as I am the consumer. By failing to follow my written instructions you are infringing on my right to credit, willfully violating the FCRA and are subject to punitive, statutory, and actual damages pursuant to 15 USC 1681n and 1681o.
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 TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my bank account. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Debt collection

i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XX/XX/XXXX OF EACH MONTH, I PAYED XXXX. XXXX A MONTH UP UNTIL XX/XX/XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM
Product: Credit reporting or other personal consumer reports

ive been in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> all accounts on my report are not my accounts
Product: Credit card or prepaid card

I have done nothing but pay my account on time, and show no late payments of any kind on my credit report. synchrony lowered my available credit just to affectionately lower my credit score and now showing the card maxed out. This was an underhanded move on their part, and I would like it looked at further.