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

No company nor Equifax, XXXX, or XXXX has replied to me within 30 days.The accounts on this affidavit are not familiar to me and I do not recall consenting to contracting with any or these companies to the best of my knowledge.Under the doctrine of estopel by silence, Englehart v Gravens ( Mo ) 28 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In attempt to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my hand written wet signature, and proof of you authority in this matter. With no evidence, you must terminate/remove these accounts/correct any erroneous reports of this debt as mines.I have no account with these company's.I ask XXXX, Equifax, XXXX to the listed companies authorization, under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), that the companies have the right to collect the debts which are erroneous to the best of of my knowledge.
Product: Credit card or prepaid card

On XX/XX/2021, we paid for 1 night at an RV resort using a Chase credit card. we requested a refund from the resort on XX/XX/XXXX, and were refunded {$33.00}. 

However, this particular credit card was closed by Chase in XXXX and a new card was issued. This new card was transferred to XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX refunded the money to the Chase card ( which had been closed ). Even though the Chase card was closed, Chase accepted the refund. XXXX XXXX XXXX advised us that the money was taken out of their account. 

We have contacted Chase numerous times over the past month, and have gotten the run around. We have been transfered from one person to snother, sometimes being on the phone for over an hour. ON XX/XX/XXXX, they eventually gave us a case number and said they would look into the situation, but we have heard nothing. Two weeks later they told us the case was closed..no reason given. The bottom line is we never received the refund we were entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Santander reported inaccurate information to XXXX  which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX After recently obtaining a copy of my credit report I became aware that you are reporting a debt to my credit report. Under the laws of the FDCPA ( Fair Debt Collection Practices Act ), I am requesting that you validate this alleged debt below : XXXX XXXX XXXX Please provide the following information : A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to you Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. I never gave permission to your ( XXXX  XXXX XXXX ) to release my medical information to ( XXXX ). 
Please send the above-requested information to my mailing address listed above.

This letter is a request for debt validation and I request full documentation containing all information you received from the service provider of this alleged debt.

Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.
Product: Checking or savings account

My father XXXX XXXX maintained an account at PNC Bank until his death on XXXX XXXX 2016. He was pronounced dead on XXXX/XXXX/16 at XXXX XXXX. His e wife who was granted Power of Attorney when he became ill went in the PNC bank in XXXX NJ the morning of XXXX XXXX, 2016 and withdrew the whole balance of {$66000.00} and opened an account in her name. At no point were any questions asked to the nature of her transaction. We have contacted the bank and were told they are not liable even though Power of Attorney ceases to be valid at the death of the account owner. They instructed us to contact a Lawyer and they would not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted LCI Inc ( part of Verisk Analytics ) to put a security freeze on the report they furnish/manage. I received a response letter by mail dated XX/XX/2019 that states they are not a credit reporting agency, freezing my account is not possible, they do not need my permission to supply this data to XXXX. In my personal opinion, they are a credit reporting agency and need to START acting like one by being compliant with the consumer credit reporting laws. If they are furnishing/verifying/supplying/giving public data such as bankruptcy information to another company, Credit Reporting Agency XXXX , then they ARE a credit reporting agency that is OUT of compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  SC XXXX XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is a third party biller who is incorrectly reporting delinquency on an XXXXBlinc personal loan. I have and will continue to pay my original creditor, XXXXBlinc directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute with Experian information regarding late payments on a mortgage company. Documentation was provided showing bank statements of payments for XXXX, XXXX, and XX/XX/XXXX. 

The company, XXXX, offically closed it doors on XX/XX/XXXX. Despite XXXX being closed on XX/XX/XXXX, XXXX, Experian was still able to verify the information as accurate. All employees were laidoff from the company based on news articles.
Product: Credit reporting 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 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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: Debt collection

OnXX/XX/XXXX I received a written notice of the claimed debt, a copy of which is attached. On XX/XX/XXXX, I sent a letter to Rash Curtis and Associates in response to this notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. As of XX/XX/XXXX I have not received any written correspondence from your firm with validation of alleged debt.
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On XX/XX/XXXX, I applied for loan and received a copy of my credit report from XXXX credit reporting agency. Included in that report was the following incorrect information the firm reported : RASH CURTIS & ASSOCIAT XX/XX/XXXX PAST DUE {$2500.00} # XXXX XXXX XXXX XXXX XXXX  BY XXXX XX/XX/XXXX XXXX MEDICAL PAYMENT DATA CREDIT GRANTR CAN NOT LOCATE CONSUMER MEDICAL ACCOUNT IN DISPUTE PAYMENT DATA As a result of this reporting my credit score was damaged and my ability to pursue further loans has been delayed until this reporting has been removed. Reporting this activity with out validating debt per my request within 30 days is a violation of the FDCPA Section 809 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To whom it may concern : I have a credit score of XXXX with XXXX, XXXX with XXXX  and for some reason XXXX with XXXX, i get transferred around nothing gets done. 

For one i spoke to several representated and people in documents they claim i can't get my score over the phone. I got turned down for a car they stated my score is showing as XXXX even lower. 

So what i think is happening is if my score is actually higher with Exquifax the  information is not being distributed correctly and shared. I pay XXXX with XXXX  for all 3 reports its showing XXXX and XXXX as my score. I have worked very hard to get my score over XXXX and continue on to XXXX and XXXX but i keep getting turned down because of faulty information being reported from Equifax. 

They say nothing is wrong but 3 different places sent me a letter showing my score as XXXX with equifax so common sense tells me, that what they see at equifax may be  higher but its not showing to companies and individuals requesting my credit score so something needs to be done i can not be 129 points lower than the other 2 credit bureas that is not possible. I have 5 posiitive accounts going on every month so there is no way my score can be XXXX. 

Finally i was told to order my score and report thru www.equifax.com and get the paid version XXXX i tried that and the questions they asked me were not accurate, i never heard of 2 of them and so i was denied access, can they please update my questions they asked me first question about some mortgage loan i had i never had a mortgage so i keep getting this question wrong, these questions need to be updated, its like there version is very very old, when im on the phone with a rep i pass the questions they are current but the ones online are inaccurate and im unable to get my score. 

I am beyond frustrated with equifax and need some answers and for them to update the questions and I have an account car with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  with positive reports every month, People requesting my credit score are seeing scores of XXXX. I also had an old landlord XXXX XXXX who is not permitted to get any information on me. I should not have any freezes or frauds on there i thought maybe that is why nothing is updated. 

Fix this score error we all see I copied and pasted this i see online for my equifax score. as follows : 300 850 Poor 300 - 579 Fair Good Very Good Exceptional XXXX Learn more Equifax dataXX/XX/2020. 
Equifax XXXX Score XXXX  based on Equifax data as ofXX/XX/2020Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a risky borrower. 

Please assist me with this matter. 

Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX social is XXXX XXXX
Product: Credit card or prepaid card

I was denied a credit card by wells fargo and everytime I ask WHY I get a different answer. 1st, they said it was because my account with them was closed and it wasn't, 2nd they told me I hadn't had the account long enough, 3rd they offered me the card then denied me and when I asked why they couldn't tell me. I also have an account with them and have not been able to get a replacement debit card for the one that was compromised. They stated they mailed off at least 5 different cards and I have gotten none of them. They said they would let me speak to an executive to resolve the matter, turns out she wasnt an executive but a call center supervisor that couldn't give an explanation as to why I was denied either. So I called back today ( XX/XX/2019 ) and spoke to some one again and told them that I spoke to an executive the day before and now they are telling me they have no record of that, I reminded them that these calls are recorded and If there is no record of that conversation that means they ( Wells Fargo ) lied when they said they were sending me to an executive that could help me. If you cant tell me WHY I was denied the credit card and go through such lengths to lie the only reason I can figure out as to why I was denied is because I am XXXX. I also confronted them with other poignant questions and I informed them that Im an XXXX XXXX and that also seemed to make them treat me even worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an automatic payment of {$50.00} scheduled for payment to my Capital One Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my Capital One Credit Card, which them increased my minimum due for the month of XX/XX/XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by Capital One which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both Capital One and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, XXXX written permission to furnish these accounts : Accounts : 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 XXXXXXXX XXXX
Product: Mortgage

Consumer HELOC opened XX/XX/XXXX on residence with XXXX XXXX XXXX with a rate of XXXX XXXX XXXX + 0 % starting at 3.25 %. A relationship discount of 0.25 % was active for a relationship banking account ( Checking & Savings ). I just noticed rate has increased the past few statements as XXXX XXXX has increased which is appropriate. I am no longer noticing my relationship discount of Prime -  0.25 % as indicated in my loan contract with TD Bank even though I am eligible for this discount having both checking & savings account. Last statement received rate was 4 % and prime rate was 4 % hence no discount applied. I was concerned that for this statement and many others I have been being overcharged so I emailed TD Bank for a response on XX/XX/XXXX. I was contacted by 3 individuals within the coming days to let me know that an answer was on the way, but no answers provided. On XX/XX/XXXX I received a USPS mailed letter response from XXXX XXXX of TD Bank explaining that my rate was correct at 3.25 % (??? ) and I was not being overcharged. She additionally told me to pay my outstanding balance which at that point was already paid with 20 days to spare. The letter was clearly inaccurate as she stated my rate at 3.25 % and she was not properly informed on the situation. I contacted XXXX XXXX, Consumer Loan Department, of XXXX XXXX XXXX on XX/XX/XXXX asking for assistance on this situation and still no response as of XX/XX/XXXX. I have received a leter from XXXX XXXX also explaining that all is well which is also incorrect. XXXX 's letter told me to " feel free to reach out to her '' which I have done 3 times over the course of 1 month with no response. I am concerned that TD Bank is not billing me as agreed upon in our HELOC agreement and I may be overcharged on this month 's statement and many others. At this time I am only requesting a educated response from TD Bank and 3 months later and 6 people have not been able to provide. Any support / feedback on this issue would greatly be appreciated. Thank You.
Product: Credit reporting 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 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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/XXXXHowever, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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/17 I submitted complaint number XXXX in regards to XXXX XXXX XXXX. This is an old, re-aged debt that was found not to be verifiable several times by multiple investigations, the last one being the above complaint number. This complaint is against Experian as they have added a debt to my account that hasn't been verified, has been deleted several times, and not once has the reporting agencies followed the fair credit reporting act and VALIDATE the debt before adding to a credit report. This debt can be verified and this is way it continues to be deleted. You will see in the above complaint number that this debt was already deleted once.
Product: Credit card or prepaid card

Due to a miscalculation, I had an unpaid balance of {$7.00} after I submitted my payment due for XXXX with Capital One. I had a pending refund and subtracted the wrong amount from my balance due. I was charged {$20.00} dollars in interest on my next bill. I then promptly paid my balance in full, an amount over {$1800.00} by XX/XX/XXXX, when payment was not due until XX/XX/XXXX. On my most recent statement I am once again being charged over {$15.00} dollars in interest with my next payment due on XX/XX/XXXX. I have spoken with Capital One representatives who state they can do nothing about the interest charged a second time even though the previous months significant balance was paid in full. I have worked diligently since XX/XX/XXXX to pay off my balance monthly with the exception of one balance in mid XXXX. To not allow a grace period or to take a look at the circumstances resulting in a small unpaid amount and then charging approximately $ 35+ in late fees for a consumer with excellent credit and a long history with the company is an indicator of poor and unethical practices.
Product: Credit card

The day of XX/XX/year> consumer called first progress to access an account the consumer was prompted to enter card number after consumer received a message to activate a card. Multiple times.Consumer called to speak to a representative consumer informed the representative that there was a problem accessing the account.The representative stated Multiple things that could be a factor but unsure.The consumer informed representative the card was set to expire in XX/XX/year> but not yet expired which delayed a payment so consumer requested a new card multiple times during the call. Consumer asked the representative not to add funds to an account that can not be accessed with the card since it could not be used.The representative stated the computer generates a card.The consumer can not be accountable for the actions of the computer or the issuer.Consumer stated to the representative that a return call would be if nothing changes.Late XXXX approximately XXXX or XXXX still no card .Consumer called and spoke to another representative by the name of echo consumer told representative they have not received a card and I was requesting again to get a card. Late XXXX approximately XXXX XXXX still no card consumer spoke to a supervisor by the name of XXXX said he refuse to send a card and that it was the consumer fault. Consumer not able to use funds til this day. still haven't received a new card XXXX XXXXUnfair credit reporting .denial of available credit. Knowingly denial of available credit.pain and suffering. First progress is being accused of.First progress ask consumer to pay for access to available credit at a time when the economy is very challenging first progress and its staff has negatively impacted various areas of the consumers life being denied of my available credit its been over 90 days still no access to my available funds im asking for an investigation with timely resolve seeking maximum compensation that is allowed by law
Product: Credit card

Old navy visa Card by scynory bank wont give me a credit increase because they say I do n't have enough of a credit score but its because all the fraud in curies on my credit report