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

I am contacting you regarding errors and inaccuracies which Equifax is not correcting that my credit report. I am disputing the following items appearing on my credit report along with specific reasons for this dispute and thereby I am asking these to be removed as set by law. 

The accounts in question are the following XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX -The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date open : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX   Equifax Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX  XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX - The account is inaccurate by reporting different information and dates to different credit agencies. The report shows XXXX XXXX  Equifax Date opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date last active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of last payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the information is not accurate and by law has to be deleted.
Product: Debt collection

I received a letter from Phoenix Financial Services on XX/XX/2019 about an alleged debt. The alleged debt was in the amount of {$500.00}. The original creditor is XXXX XXXX XXXX XXXX. The current creditor is XXXX XXXX XXXX. I responded to PFS via letter requesting verification of the alleged debt. My letter was mail to PFS on XX/XX/2019. I received a response from Phoenix Financial Services on XX/XX/2019. The response did not include sufficient verification of the alleged debt. Also the response was outside of the 30 day response window.
Product: Bank account or service

Unauthorized prescreening. I never applied for any credit nor have I ever tried to open an account with Santander Consumer USA XXXX date XXXX/XXXX/15. Who is this company? Why are they running my credit for anything. I did not apply for any card or account.
Product: Debt collection

I received two summons for two Bank of America credit cards from XXXX XXXX  XXXX. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said XXXX XXXX XXXX, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on many occasions, almost a year regarding the public record that they have reporting on my credit file. I also checked my other 2 credit bureau records & found that this public record isn't reporting with them. They haven't provided any proof of the information that they're reporting according to FCRA. 

It's reporting as : Chapter XXXX Bankruptcy File Date : XX/XX/2010 Ref # : XXXX Upon all of my disputes with TransUnion regarding this public record reporting they've responded by stating that they have verified it via the courts through XXXX. I contacted the courthouse & the confirmed that they don't verify any information regarding court records to the credit bureau 's & due to identity theft my records with XXXX were suppressed for my personal credit protection.
Product: Credit card or prepaid card

I made a purchase through XXXX for a XXXX XXXX trip in XX/XX/2023, this was charged on my Barclay Aviator Mastercard - XXXX. 
- The flight was cancelled on XXXX XXXX and I requested a refund via XXXX for {$430.00}. 
- XXXX declined to refund so I filed a complaint with Aviator Mastercard to dispute charge on XXXX - XXXX XXXX has refunded XXXX for this purchase on XXXX - XXXX XXXX XXXX Consumer Affairs notified me of event on XXXX and this communication sent to XXXX  - Another dispute sent to Aviator Mastercard o n XXXX - 3rd dispute sent on XXXX after Aviator Mastercard said they did not received documentation - XXXX states Aviator Mastercard is not helping facilitate the refund - XXXXXXXX Aviator Mastercard letter stated 'despite their best efforts they are unable to obtain credit from XXXX I sent all documentation ( XXXX pages ) to XXXXXXXX XXXX XXXX  and Aviator Mastercard . I request this charge to be refunded in its entirety for {$430.00} and XXXX and Mastercard can resolve amongst themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation, this account does not belong to me.
Product: Mortgage

I am writing about Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX XXXX www.sls.net ). Unfortunately, my mortgage was sold to them from XXXX XXXX. They are very difficult to work with, they commit acts of fraud, and they do not answer their phones. 

I changed my automatic payment to a new bank toward teh end of XXXX. The website said it would be effective one month later or XX/XX/XXXX. Since the auto payment would not draw process for a month, to ensure I was not in default I made a one time payment. They then auto-drafted a payment for XX/XX/XXXX which was told by their website would not happen for another month later. I now paid my mortgage payment twice in a month causing me extreme financial hardship. I contacted them and actually got a representative. They said they would put through a credit. I never got a credit on my checking account but now they show a credit on my mortgage balance. They have stolen {$1300.00} from me. I tried to contact them and I continually get through the several minutes of " account authentication '' to be disconnected. This mortgage servicing company MUST be investigated for fraud.
Product: Checking or savings account

On XX/XX/2018 I made an electric payment of XXXX in error and can not retrieve my money. I have gone back and forth with both banks with no resolution. The payment was made electronically to XXXX XXXX by Santander and both report they dont have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}.
Product: Checking or savings account

This has been going on since XXXX of 2023 I was robbed by someone they took every thing I had and left me destitute I reported this to chime who refused to refund me I filed with the XXXX and they still lied and refused to refund my money while they continue to falsely report a {$6700.00} balance to the credit company every month and it's destroying my credit score I reported over {$10000.00} in stolon money amd they will not reimburse my money instead they closed off my access to my account and continue to falsely report to all the credit bureaus I really need you to step in and make this company give my money back and stop there false reporting of my account.
Product: Mortgage

I had applied for HELOC with Frost Bank on Thursday XXXX, 2024. I received a call from the bank on Friday XXXX, 2024 at XXXX XXXX to confirm the details on the loan application. Per the Frost Bank website, 80 % LTV is allowed - existing loan. The agent over the phone stated that due to my immigration status my LTV will be lowered to 65 % instead of 80 %, different from what they have advertised online. My wife is a US Citizen. Upon asking the question if I add my wife as a co-borrower who is a US Citizen will I be eligible for 80 % LTV Agent stated that they will based the LTV on my status only even if I am married to a US Citizen. I felt like this was discrimination due to XXXX  status. I have a work permit that is valid for next 5 years and can be extended until I get my XXXX XXXX There was no clause or additional information posted online regarding the different terms for non US citizens.
Product: Debt collection

I never open an account with this company, I have never received any cards or mail to my home address regarding this account, I do not own this account I never own this account, this account is not mines, I have been unemployed 10 years so how can I obtain an account.
Product: Credit card or prepaid card

on XX/XX/2023, I bought a XXXX XXXX XXXX at my local XXXX  XXXX  for {$6.00} and added {$150.00} to it to buy my wife a valentine 's day gift. I was able to log into their website, activate the card, enter a pin, and check my balance only on that day ; That would be the last time their website would let me in with the card. When I went to use the card online and for in-person shopping, the card was declined and never worked. 

I went to check the website again, it gave me a popup that said something along the lines of their system was undergoing upgrades, please try again later and sorry for the inconvenience. This popup continued for roughly 4-5 days, until I checked it this week. It said my card was invalid and I should contact customer service. 

Their website does not even have an email address, just some lousy automated number that says my gift card information is wrong, even though I typed it in correctly. 

I called customer service and when I finally got a response, I told the lady behind the call Hey, my card says its invalid on your website and I cant log in. She said Okay let me check your card, put me on hold again, came back and said Sorry your card isnt in my system please log into the website. Then immediately hung up on me. Customer service was absolutely useless and now every time I try to call again, I end up being on hold for hours with no answer. 

Today, XX/XX/2023, I went back to the XXXX where I purchased the card and the manager helped me get more information about my money and the pre-paid card. He told me that the money I put on the card was used the minute I activated the card to a company called XXXX. They told us to file a claim to get my money back and that it can take up to XXXX months before they even look at my case.
Product: Payday loan, title loan, personal loan, or advance loan

During my inquiry for a bathroom remodel, XXXX XXXX salesperson misled me that a loan application would be a soft pull on my credit. This application went thru GreenSky Loan services and resulted in a hard pull and an opened ( but not activated ) account. I did not go through with the remodel, but was caused harm due to this misinformation. This incident occurred in XXXX of XXXX  but I did not realize the hard inquiry until today.
Product: Debt collection

.I pulled my credit report and see that you are reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX New Jersey. Which later I found the double charged me. The card holder which is Synchrony bank was unable to assist in reversing the charge due to the actual company where purchase was made has to. Okay so they gave me additional numbers to contact due to now the XXXX facility is now permanently closed. XXXX which I left a message and was received a phone call back explaining they were unable to assist me. Then XXXX, and XXXX, okay so I called the XXXX store where a manager had me on hold for 58 minutes. So I went there and spoke to him in person and stated that it will be resolved but today is XX/XX/XXXX the charge is still pending on my card and customer service still states that I have to speak with the original merchant. When someone is not understanding that the facility is permanently closed. I'm still getting contact numbers where no assistance can assist me. This should not be I want the charge reversed {$560.00} ( My sales order number is XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last three montha I have paid XXXX dollars in credit card debt, and closed another account with nothing owed on it. The first month it went up 30 points but not since then. Ive continued to pay more then the lowest amounts on my credit cards, all my accounts are on time and my score has not move beside down 2-3 points.I am absolutely doing everything that I was advised to do by this site as well as credit advisors, there is nothing left that I can do to increase my score but yet its not increasing if possible please be some assistance. Ive contacted all three credit report agencies with no assistance as the out come.
Product: Checking or savings account

First, PNC was notified of a problem. Then I got transfered and the second lady/supervisor wanted me to waste time going all over the issue again, when I had said, you need to document this and fix it. So I told her she needed to get back to me in writing on it. I received a couple of emails, but again, the company refused to put the answers in writing, to fix the problem, etc. 

I want PNC to start paying me when their front line folks are not taking the appropriate steps to listen to what the issues are, and then go fix it, either from their end or move it to someone else. It is not my job to repeat at least 5 or 6 times to different people, what the problems are, unless they're paying for my time.
Product: Debt collection

My credit score dropped from XXXX to XXXX on XX/XX/XXXX. I received this information from XXXX XXXX, noting that on this date a '' derogatory public record '' had been entered on my credit report. 
I contacted, by mail, Transunion Credit Reporting Company, requesting an explanation for this decline in my credit score. 
I do not recall any incident that occurred prior to XX/XX/XXXX that would be considered " derogatory public information ''! 
I did dispute a charge with a physician 's office, but unable to recall the date of my visit to the doctor? I had paid this physician, in full, for the amount charged! 
It is my understanding that derogatory reports by medical doctors and/or facilities will not be considered as " derogatory " and can not be used to reduce a person 's credit rating. 
I have not received any response from Transunion Credit Reporting and request that CFPB contact them for an explanation.
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 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, Reference # 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

My XXXX credit card payments been set up to automatically draft from my XXXX  checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted XXXX immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a XXXX system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my XXXX  as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at XXXX. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act ( EQUIFAX ), 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. also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Transunion. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$1800.00}
Product: Checking or savings account

On XX/XX/XXXX I applied for a Bank of America Business Fundamentals Checking account. There was a promotional offer advertised on the Bank of America website for new business checking accounts. I saved a copy of the offer when I applied. The offer stated that new business customers could receive {$200.00} if they applied online for either a Business Fundamentals checking account before XX/XX/XXXX and completed a deposit of {$1000.00} or more within 60 days. I applied using the link on the Bank of America website. Within minutes, I received an email notification that my application had been received. On XX/XX/XXXX I received notice that my account had been opened. Within just a few weeks of opening the account, I deposited more than the {$1000.00} requirement for the promotional offer and have made subsequent deposits since then. However, I never received the bonus. I have been in phone contact with Bank of America several times (  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I am told that someone will look into the issue. I even mailed the bank a letter on XX/XX/XXXX with a copy of the offer. There has been no response. It is false advertising and just bad business to offer an incentive to attract banking customers and not fulfill the incentive. I met the terms of the offer and should have received the bonus.
Product: Checking or savings account

Why has USAA not started making payments to the members that they violated banking laws with yet? I was a USAA customer for over 10 years and left because of their shady practices. The lawsuit I read in January said they are due to make restitution payments, but so far NONE have been mailed. Why is this tailing so long? Because of them, I have had to start completely over with my finances. They lost in court. Enforce the law, it's what you're there for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. XXXX and Experian stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Please have them remove the remark showing that my credit limit decreased and my score went down XXXX points. This is inaccurate information and please remove this asap. This information from XXXX XXXX XXXX XXXX is inaccurate and they made this error. Please remove this remark asap. 
Remove this ridiculous remark from Transunion credit bureau.
Product: Credit reporting or other personal consumer reports

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX  is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.