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

On or about XX/XX/year> I received a notification from Experian stating my credit rating had change. Upon reviewing my Experian credit report, they had added a collection to my report. 

The notification stated : - XXXX XXXX XXXXXXXX has flagged your account as Collections on XX/XX/year>. 
- Source : Experian - Company : XXXX XXXX, XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX - Phone : ( XXXX ) XXXX - Activity : XXXX XXXX XXXX ( Collections ) - Balance Date : XX/XX/year> - Balance : {$830.00} The collection was reported by : XXXX XXXX XXXXXXXX XXXX on behalf of XXXX XXXX  for the amount of {$830.00}. 

It is a collection that does not belong in my credit report. 

Immediately, I filed a dispute to have this collection removed from my credit report to no avail. 

Experian refuses to remove this false collection from the credit report they publish. 
Experian, has stopped allowing me the ability to dispute this collection. Unless, I provide documentation for them to consider. 

There is no documentation to provide because this liability is not mine. 

I spoke to Experian representatives at one point by telephone call to address my dispute, but, we either got disconnected during the phone call or the representative hung up ( I do not know which ). 

During the phone call I asked for Experian to remove this collection from my credit report and/or to speak to someone in authority to do so. My request was not successful by phone either.
Product: Checking or savings account

CitiBank has closed my account with funds that i have never recieved. XX/XX/year> was the date I received notification that my card was on the way. I just want to know why is my citi account still send monthly statements to my email if the account is closed. I have funds that range between XXXX XXXX {$3000.00} last time i remember the account was account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, Chase Bank, and XXXX XXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to submit disputes through the mail for several different accounts that don't and never have belonged to me. There are fraudulent accounts from Credit cards to Auto loans that I never applied for. 
I've been trying to get these fraudulent accounts off my credit reports and off the original creditors for years now and they still appear. 
i need my name and credit restored to the accurate status immediately!
Product: Checking or savings account

Wells Fargo held a deposited check ( {$3000.00}, from a reputable credit union ) for longer than allowed via Regulation CC. Efforts to resolve the situation with the bank were met with continued claims of " that account can not be found ''. The credit union account is valid and amply funded. Document of the credit union account was provided to Wells Fargo, but the amount is still being held. I firmly believe Wells Fargo holds deposited checks in order to generate fraudulent fees.
Product: Vehicle loan or lease

To Whom It May Concern, As a borrower of Santander Consumer USA, I have reached out to the company with my concerns about the auto loan account that I have open with them. I have addressed the fact that I, as a low income borrower, was not aware of the 27.99 % APR on the auto loan, which exceeds California 's usury rate. In fact, they exceed the rate by 17 %. I've been a borrower of theirs for over two years and have not yet paid half to the principal, and have reached out to them with major issues to break down into detail about where my own money was going towards. I have politely asked for refinancing options as well, but was denied this. I have asked for Extended Payment Plan, which they had charged an additional 5 % without notifying me, and the representative over the phone never clarified to me. I have tried my best to keep up with the payments, but feel that I will need to reach out to those of higher authority to help alleviate some stress. My auto loan borrowed was initially {$12000.00} to finance for 60 months. Beginning XXXX of XXXX, I have only paid less than {$1000.00} towards principal which doesn't make any sense, for I've made payments on time prior to my recent financial struggles in the past year of XXXX. I've closed my credit accounts to pay for this auto loan that is clearly a depreciating asset, but none of my money has gone towards the principal of this car. I've kept in contact with Santander about my situation in hopes that our business could become better, but I honestly feel a deep disrespect from the lender as I've tried my best to be cordial. On XX/XX/XXXX on a Thursday evening, I've called to manage my past due balance to bring my account back to current, and was told by 2 separate representatives an amount of {$620.00} made before XX/XX/XXXX would bring my account back up to current. I was not told of any other late fees that would be charged onto my account. Today, XX/XX/XXXX, I called to confirm this amount and was actually charged an additional {$260.00} onto my account, which was only three business days, and after speaking with a representative and a Supervisior who've clarified the additional charge. I asked to be waived of these extra charges because I was not given this information, and was again denied. If there is a reason for my default, I believe that Santander is in exploit of that. I am not satisfied as a consumer and would like to report this scandal. If Santander strives to be a company of prosperity and respect, they wouldn't dig a deeper threshold for their own consumers. Files will not be included until I receive an e-mail via CFPB. Thank you for your time!
Product: Debt collection

I was looking at my credit report and notice that I had a collection account for a debt that does not belong to me. Then I notice that this account is the same account that several collection companies have tried to put on my credit file once a year ago XXXX and XXXX. Please see documentation attached. This collection company put this collection on my XXXX credit report on XX/XX/XXXX with false information stating that I had an account with them as of XX/XX/XXXX. I have never had an account with this collection company ( XXXX ) nor have I had an account with XXXX  ( please see attached ). I reached out to XXXX on XX/XX/XXXX and expressed my concern with them just placing a collection on my credit file without any notification from them or this company ( Diversified ). This company also sent me a letter not even given me an opportunity to verify it but offering me a settlement. I never had a chance to dispute it and ask for documentation showing if this debt was mine or not. I also stated to XXXX that on XX/XX/XXXX and XX/XX/XXXX two other collection companies tried to place a collection on my credit file and they were removed on the basis this is NOT MY DEBT! Those collections were removed. It seems as if these collection companies buy debt and think that the consumer does not keep files. I submitted a complaint to you on XX/XX/XXXX, complaint number XXXX and another complaint on XX/XX/XXXX, complaint number XXXX. I have disputed this with XXXX and I am submitting a complaint with you all because my rights as a consumer have been violated and I am demanding this collection be removed from any credit bureau it has attached too. Right now I just see it on XXXX, but I am asking for a block of this collection agency and I am asking that XXXX be held accountable for allowing collection agencies continue to harm a consumer credit report file every year with causes my score to drop by several points and when the collection come off never given you back the same amount of points they took away. I am also demanding a monetary recovery for the time I have to fight to continue to watch the malicious tactics that XXXX does to consumer credit files. 
Please remove this collection from my credit file immediately. Thank you
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX '' According to XXXX XXXX XXXX XXXX XXXX , XXXX is not longer actively involved in any collection efforts, and we are no longer reporting this account to any credit reporting gencies. Well, according to my credit report with XXXX  not only is it reporting, but it's reporting as a collection. Secondly, up until XXXX XXXX XXXX XXXX XXXX changed the removal date of this account from XXXX  to XXXX, which is clearly illegal. Thirdly, XXXX  is the original creditor, whom sold my information to XXXX XXXX illegally, so therefore these are reasons to delete this account from my report. XXXX XXXX can not pass this account on to any other collection agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX 2017 ; I spoke with the company when they called in the morning and told them that I was exercising my right to have them contact me via mail and no longer by phone. 
I 'm attaching screenshots of the harrassing calls.
Product: Money transfer, virtual currency, or money service

I purchased a {$100.00} moneygram money order and it was in my possession for a period of time I deposited the money order to open an account the money order was returned insufficient funds I was provided with a paper copy I called moneygram and was advised because I had it over a year it was no longer worth {$100.00} which I did n't know It was now worth {$70.00} but there were additional fees of {$18.00} to get my money back from the company none of which was explained when I purchased the product
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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions/consent. 

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

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

I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Transunion consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit.

They have my credit file in s special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application.

They have no reason to have my file listed under special security.

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over 7yrs old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which Transunion corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian on XX/XX/XXXX informing me that the regular XXXX credit monitoring service is being raised to XXXX. My next billing date is XX/XX/XXXX so I emailed them back ( XX/XX/XXXX ) to cancel the service. I have received no response as of XX/XX/XXXX so I called this morning, ( XX/XX/XXXX ). Upon calling I had to enter numerous pieces of info to be authenticated ( SSN, address, DOB etc ) at which point I was told I had no account to cancel and the automated system hung up on me. 

I tried numerous additional times to cancel and each time failed to either a ) have the account canceled or b ) to get through to an agent to cancel the account manually. After almost an hour I decided instead to contact my credit card company ( XXXX ) and have them do a merchant block, which they did. 

After searching online it is apparent than canceling with Experian is VERY difficult if not impossible.
Product: Debt collection

Mercantile Adjustment Bureau is attempting to collect a Debit which i am in no way obligated to pay at all. I have no contract or dealings with Mercantile and I would like ( 15 usc 1692 ) I hold no olbligation to the company, I refuse to pay and would like them not to contact me futher in regard of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment remarks by consumer portfolio services and XXXX XXXX without consent. They need to be removed for privacy reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately.

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation.

5. XXXX XXXX : Accounts XXXX, XXXX, and XXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : SANTANDER CONSUMER USA XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed a balance of a little over {$500.00} report negatively on my credit report. I then researched the company & reached out to get validation of the debt. The company sent me a statement that showed that all balances were settled in XXXX & that I didn't owe a balance. I then wrote the company back & informed them that I would like my credit reporting updated with the correct information. showing that I didn't have a balance owed to them. The account is still showing on my report is an outstanding balance and I'm in the process of trying to get a home and this account is hindering the process. I would like this account deleted from my credit report.
Product: Debt collection

My name is XXXX XXXX and I am writing this complaint on my own behalf, and there is no third party involved. I have never contracted with " Bridgecrest Credit Company '', whom is claiming that I owe an alleged debt. I do not consent to or agree with these claims. This company, whom I do not recognize and have no idea how they even have my personal information, is now reporting on my personal credit reports and causing harm to my personal reputation. I have never done business with this company and never authorized them to access any of my private personal information, nor make any of the fraudulent claims that they're making. This is Identity Theft and Fraud, and is in direct violation of a number of my rights as a Federally Protected Consumer, under 15 USC Chapter 41!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : XXXX XXXX XXXX SS # XXXX XXXX/CITIBANK Card To Whom it May Concern : In XX/XX/XXXX this account was reported as Late 30 days to the credit bureau. I have had a longstanding relationship with your institution for several years. 11 years ago Citi Bank afforded me the opportunity of my very first credit card. Since then, I have been able to continue to further my credit relationship with Citi and with other creditors. I can proudly say I have great credit. 
Account # XXXX was closed at my request months prior to the late pay being reported. I then went months without receiving statements and have had a very difficult time with logging into Citi Cards online platform. I recently requested that all of the statements from the last several months be mailed out to my home address. To this day, access to online banking has not been made possible. 
Considering the circumstances detailed above and the fact that I have been a longtime client with a great payment record and no other late pays of any kind on my credit file, I would like to respectfully ask for a goodwill deletion of the late pay off of my credit profile. This would allow me to restore my credit to the level at which it was prior to this late pay having reported. This seems fair considering the fact that statements never arrived, even after I requested to be taken off of online statements. 
Please feel free to reach out with any questions or concerns. Thank you! 


Best Regards, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

The company I am filing a complaint against is Coinbase. In XXXX XXXX, I was traveling to XXXX for vacation, and when I tried to log into my coinbase account, it was immediately closed due to suspicion that I may live in XXXX. After multiple attempts to contact support, there has been no response at all, and my account is frozen along with XXXX dollar in XXXX.
Product: Credit reporting

I have written about this dispute SEVERAL times and neither Equifax nor CFPB has taken proper action. 

Equifax continues to report INACCURATE information even though I 've complained directly to them, and via CFPB. I have sent documents via CFPB to support my claim, but NOTHING has been done to correct the error. Why does CFPB exist if they FAIL to uphold the law that requires them to penalize the CRB 's for inaccurate information when PROOF of the errors has been submitted?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX BALANCE {$0.00} FACTUAL XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX