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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my credit report on XX/XX/2020 and received a completion on XX/XX/2020 That stated the item had been deleted. 

On XX/XX/2020 I pulled a new copy of my report and saw the address was still on my report. I called into the consumer report center to inquire why? I was told it was deleted again. 

On XX/XX/2020 I was sent Report # XXXX. The next day I pulled another report only to realize it was still on my report. 

I have called 3 more times and recorded each call to try and rectify the situation to no avail.. At this point i have been giving several different stories to why it's still on my report and non made sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was mailed an invitational Credit Card Promotion. The card was purposed to build my credit profile. I immediately paid a {$75.00} activation fee. The credit limit was {$300.00}. The annual fee is XXXX dollars. I was told that after approval of a credit line increase my account would be billed 25 % of the limit increases. So with all that in mind I called XXXX XXXX Bank and set up auto pay from my debit card from XXXX XXXXXXXX XXXX. 

I then told them that I was going to a hospital for at least a month. 

Upon coming home from the hospital I discovered a late payment fee on my bill. 

I called in to clarify the issue. 

I was not told accurate information. 

I contacted an Attorney to file letters to the credit reporting agency. And sent many letters to the bank. 



I called in and discussed this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

These are showing late. I have never been late and have contacted the creditors. I showed them my bank statements, they all said they would be removed but nothing has has been removed or updated. 
XXXX XXXX XXXX XXXX XXXX - 30 day late XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX 30 day late XX/XX/XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - 30 day XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 60 day late XX/XX/XXXX, XX/XX/XXXX XXXX 90 day late XX/XX/XXXX There have been XXXX inquiries on my credit report in the past 120 days. I did not give these creditors permission to run my credit. 
My credit report also shows XXXX delinquent trades XXXX XXXX installment delinquencies XXXXXXXX XXXX revolving delinquencies XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear Trans Union : XXXX XXXX. The information for this account is so lacking that I do not know what the account is about. I have contacted the debt collector directly and I still have not been informed what this debt is about. In fact, the debt collectors records show that there is no balance owed when I call them. As a result, I can not even make a payment on the account. Please remove it. 

XXXX XXXX XXXXXXXX. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. This account is on a payment plan. And I make timely payments each month. But none of my payments are being reported in the payment history section of the report. 

XXXX XXXX. I was never late on this account. But there is a late payment reporting for XX/XX/year>. 

enclosures ( 1 ) Drivers Licenses ( XXXX ) Tax Statement showing address ( XXXX XXXX XXXX XXXX XXXXXXXX correspondence showing address ( XXXX ) Statement from XXXX XXXX showing address
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX & EXPERIAN multiple times regarding items on my credit report ( bankruptcy ) that does not belong to me. They claim that they verified the information with a third party and confirmed it belongs to me. I contacted the court in person and was told that they don't provide any information to a third party and there was no record of any inquiries from the credit bureaus concerning me. It's almost like anyone can randomly call the credit bureaus or send them a file about a person and they don't verify but just add the information to the credit file. The court provided me with a letter stating the facts. I provided the letter to XXXX/Experian and they reinvestigated. They now claim that the information was confirmed by the third party again. I even contacted the third party again ( XXXX ) and was told that no one had verified verify with them.
Product: Money transfer, virtual currency, or money service

Dear Agency On XX/XX/2021, I contracted Coinbase in regards to someone hacking my account. There was a breach with all the emails at XXXX. Coinbase responded in a timely fashion about 24 hours later. The XXXX was a XXXX  but XXXX the XXXX, I received an email starting the recovery process for my account. It's been three days and today is the XXXX of XXXX and I have not received any word from Coinbase. I sent them a DM on XXXX, I also sent them another email asking them to unlock my account. 


The reason for this complaint is if this were to happen in a regular brick and mortar banking institute, I would have gotten immediate attention to this fraudulent activity that is happening to my account. As of right now, I don't know anything. I haven't been able to see my account or talk to anyone since XX/XX/XXXX. 

A. I can't call anyone either. 
B. They don't have a fraudulent department that looks into things right away. 
C. I have a large amount of money in my account. 


Not being able to contact anyone is not acceptable and they not have a more sufficient and effective way to deal with fraud must be revisited and improved because I am sure if this happened to me this is happening to other consumers. 
I am the victim here and right now I feel Coinbase is treating me like the perpetrator. 
At the same time, I am losing so much money because I am not able to trade using my account.
Product: Credit card or prepaid card

Unauthorized Citi Bank Safeguard Debt Protection Fee Charges Total Charged Amount : {$1300.00} ( {$43.00} per month ) Charged Date : XX/XX/XXXX to XX/XX/XXXX Citi Bank has been charged a Safeguard protection fee for 30months which I have never applied for. 
Called Citi Bank in XX/XX/XXXX. XXXX to cancel Safeguard protection fee and requested a full refund. Safeguard protection fee has been cancelled as of XXXX, XXXX without any refunds. 
In XX/XX/XXXX Citi Bank sent me the letter stating that because my account was covered by the program benefits through the end of billing cycle in the month in which I cancelled, any previously billed fees are non-refundable.
Product: Checking or savings account

Received funds from a loan in the Axos Checking account XXXX. Immediately initiated an ACH transfer to my XXXX XXXX XXXX XXXX XXXX account ( already linked and used previously for ACH transfers ). XXXX {$12000.00}. 

AXOS note credited the amount on XXXX and issued an ACH transfer tracking number : XXXX As of XXXX the funds have still not arrived at XXXX XXXX XXXX. XXXX can not locate the provided ACH tracking number in the ACH transfer system ( they say this means it has not been submitted for transfer ). 

AXOS bank customer service is unable to provide any further information and says " just to wait '' - Case # XXXX opened with their escalation. 

XXXX confirmed ACH transfer should take XXXX days, and at the very least should be able to see it in the system. Not sure why AXOS would " pretend '' to transfer the money, but this is money I need to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to Experian, XXXX and XXXX on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received them.
Product: Debt collection

sevearl robo calls a day even on weekend early mornings late evenings countiued constant
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 different letters to Experian, ( different accounts ) that they signed for on XXXX XXXX2020. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that was delivered to them on XXXX XXXX2020 along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.
Product: Credit card or prepaid card

I have a balance on the account comprising of two parts - one is part of a promotion with no interest until the date XXXX/XXXX/2019, and one whose promotional rate expired on XX/XX//2019. Since then, I have communicated with the bank by means of their secure messaging system trying to ascertain exactly what amounts I needed to pay to avoid further interest. I have been given several different and conflicting answers and none have addressed my concerns. In XXXX, I paid {$160.00}, which as the bank explained, was " the part of the balance subject to an interest charge '' in full. This would have meant no further interest, yet they charged an additional amount of {$2.00} on the XXXX statement and they now said that " the amount subject to interest is now {$120.00} ''. I got tired of the runaround and messaged them again asking what amount exactly I needed to pay by the next date to avoid further interest. On XXXX/XXXX/2019 they replied " Since the {$50.00} is accruing interest until it is paid off, your next billing statement would still show the interest that accrued on that portion of your balance up until the date you paid it. It would be a small amount, but you would still see interest. '' I expressed my intention to pay off the entire interest carrying amount and messaged them again, I asked directly " This is the same thing you told me last month about the {$160.00}. I paid that off and now this nonsense continues. What amount EXACTLY do I have to pay NOW to stop intrest accruing until XXXX/XXXX/2019? ". The bank replied " Your balance at the 22.24 % variable APR totals {$50.00} and your 0.00 % Balance transfer, expiring on XXXX/XXXX/2019, is {$3000.00}. The balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. Keeping in mind how our payments are applied, I'd recommend you pay your minimum payment of {$63.00} plus the {$50.00} to help you avoid additional interest ''. I then paid as instructed a total of {$110.00}, and now on my new XXXX statement AGAIN I have interest and AGAIN I have a " balance subject to interest '' in the amount of {$34.00}. This bank is absolutely disorganized and haphazard and has no idea what they are doing, relying on some defective computer algorithms rather than common sense, and they have not been able to answer simple questions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their consistent failure to provide me with the information and documentation I have requested, as mandated by the laws outlined in 15 USC 1681 and 15 USC 1666b. Despite multiple attempts to rectify this issue through the submission of dispute letters, Experian has continuously neglected to supply me with the necessary documentation. 

On XX/XX/year>, XX/XX/year> & XX/XX/year>, I submitted dispute letters to Experian, respectively. Despite these efforts, Experian has not provided any response or the requested documentation. 

I would like to emphasize the importance of this matter, as it directly impacts my ability to address inaccuracies or discrepancies in my credit report. The failure to provide essential documentation not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

Attached to this complaint is a copy of the dispute letters that was sent to Experian on on XX/XX/year>. This documents serve as evidence of my attempts to resolve this issue amicably. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take appropriate action against Experian for their failure to comply with federal regulations. Additionally, I request that Experian be required to provide me with the requested information and documentation without further delay. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights as a consumer.
Product: Debt collection

Loan Amount :  XXXX  Paid to date :  XXXX  Loan # :  XXXX   XXXX  Personal Loan taken with Loan Me Finance Lender License #  XXXX   XXXX  Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in  XXXX .  Paid   XXXX ,  XXXX , called to pay  XXXX  and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the  XXXX  they could not honor the payment plan.     I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance.   They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On  XXXX   XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday )  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX     RE : L oan # :  XXXX  Dear  XXXX   XXXX , This letter is to inform you of action that LoanMe  may tak e with regard to your delinquent account.       Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment.       Your immediate attention to this matter is necessary. You must contact our office within  five d ays of this letter to discuss acceptable arrangements.       Sincerely,  XXXX   XXXX   XXXX  LoanMe , Inc .    XXXX  This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record  may  be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.       As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount.     They have called me 3 times per day and sometimes as late as  XXXX . They have now begun to call my work when I have specifically asked them not to, and called me  FOUR times in FOUR  MINUTES this morning. I sent them an email to cease and desist.     They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at   XXXX
Product: Credit reporting or other personal consumer reports

Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 
I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : - **15 U.S.C. 1681b ( c ) : ** This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization. 

- **15 U.S.C. 1681s-2 ( b ) : ** This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided. 

- **15 U.S.C. 1681e ( b ) : ** This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

**Requested Solution : ** I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible.
Product: Checking or savings account

I have tried to get all overdraft fees reversed, but was informed that they were unable to due to their policy. 
Below are the dates and fees as well as successful fee reversals for the year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Nevada Laws Dear CREDIT COLL, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Nevada Revised Statutes ( NRS ) Sections 603A.100 and 603A.120.

It has come to my attention that CREDIT COLL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, Nevada state law, specifically NRS Section 603A.100, emphasizes the necessity of consumer consent for credit reporting. Furthermore, NRS Section 603A.120 outlines specific guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and NRS Sections 603A.100 and 603A.120. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Nevada state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.