23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account with Key Bank on XX/XX/XXXX because of a promo that they were running in which I was to get {$200.00} if I had my check direct deposited. I arranged to have my XXXX check deposited and on XX/XX/XXXX it was deposited into my account. 
On XX/XX/XXXX I contacted the bank and was told that the money would be in my account on XX/XX/XXXX at XXXX. I checked my account at XXXX XXXX XXXX XXXX and the money was not in my account. 
I contacted the bank and they told to me to contact the head office and they gave me an XXXX number to call. I called that number and after an hour they told me that I was not eligible for the money. 
When I opened the account I was told that the only thing I needed to do was to have direct deposit within 60 days, which I did. After I was on the phone for an hour they told me to go to the branch that I opened the account at. 
I went to the branch that I opened the account at, located at XXXX XXXX XXXX, XXXX, NY XXXX and they told me I did n't qualify for the {$200.00} because I had a negative balance in my account. I was never told that I had to maintain any amount in my account in order to get the money, other than to have a direct deposit set up. 
The card that I was sent by the bank in order to get the {$200.00} only stated that I needed to have direct deposit set up within 60 days. 
It seems to me that they just do n't want to pay out the monies that they said they were going to do. They have told me that the monies would be there no problem and then when it came time for it to be in my account it was never deposited. From talking to other people I 'm not the only one that they have not paid when it came time to do so. 
The only thing I am asking for is for them to honor their word and put the monies into my account. 

Sincerely ; XXXX XXXX XXXX, NY XXXX
Product: Debt collection

The FIRST I heard of this collection account was when I got a credit monitoring notice of a collection on my credit report. I was never contacted by email, usps mail, nor phone. Evidently, there is a legal obligation to let me know before reporting to credit bureaus. The collection account appeared on my reports around XXXX or XXXX of XXXX  I believe ( around that time ). I then spoke to Pro Collect on the phone and requested the normal validation letter and supporting docs to determine the debt ; they sent nothing. I talked to my daughter and this debt was from an apartment she rented ( I suppose I was a cosigner, but have nothing verifying that ). She paid the {$250.00} ( pd in full ) after I talked to her. She had her own issues with this company as they never provided her with any docs either even after she provided them with email and updated address ... ... .I have disputed with XXXX credit bureaus on the legal basis of no notification before appearing on credit report and no info provided on debt. To date, only XXXX has removed. Just disputed again for the XXXX and XXXX time with XXXX XXXX and XXXX.
Product: Debt collection

PINNACLE CREDIT SERVICES out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. Pinnacle is a debt buyer and transferred me XXXX. I informed XXXX that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. XXXX then referred me back to Pinnacle. I called Pinnacle and they refused to speak to me about my credit report. they said I need to speak to XXXX XXXX XXXX. I explained that XXXX XXXX XXXX could help me. I told the woman at Pinnacle that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help XXXX '' and quickly transferred me back to XXXX XXXX XXXX. This is not my account and I want it removed from my credit. Pinnacle has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : EQUIFAX : XXXX ) XXXX inquiry XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX Inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX - INQUIRY XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX - INQUIRY XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  INQUIRY XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX  INQUIRY XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX INQUIRY XX/XX/year>XXXX XXXX XXXXXXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX  INQUIRY INQUIRY XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card or prepaid card

Hello back in the end of XXXX i got married and i got a vanilla gift card as a gift from a relative, i activated it and a couple days later i tried to use it just to find out it was already used even the last pennies i never used the card and none used it because i had it in my wallet i contacted vanilla customer service which is very complicated to reach them it took me forever but i got to them finally, i explained them what happened and they said they were going to find out what happened and it has been almost three years and now when i try to check the card it says number is invalid, does not make sense bacause it clearly says it never expires amd the exp date is XXXX and of course i can't get ahold of them.
Product: Checking or savings account

Citi in XXXX took my XXXX in CDs and did not report suspicious activity about 3 years ago
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. 
AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. 
PLEASE DELETE IMMEDIATELY. 
WHEN THE REQUESTED ABOVE DELETIONS ARE MADE. 

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( MONTH, YEAR OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX : XXXX PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$860.0XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXL XXXX XXXX A ) XXXX Balance : {$280.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report score was being reduced every month by 1-4 points for low credit utilization since I pay my card off daily. To counteract that I used 15 % of my credit to recoup those loses to my score. Experian then reduced my score by XXXX points. Bringing me from XXXX down to XXXX. I filed a dispute with them and they gave me back XXXX of the XXXX points putting my score to XXXX. The hit was unfair and outside of their guidelines on credit utilization. I want the full points back and the credit bureau to hold these companies accountable for their inconsistent and opaque scoring practices that impact consumer borrowing costs.
Product: Credit reporting or other personal consumer reports

It seems that every year when I request online an annual credit report from Experian, the website states that it can not be done online. Their response is, and has been in the past, : " A condition exists that prevents Experian from being able to accept your request at this time. '' Something tells me this is baloney. XXXX and XXXX seem to be able to do it flawlessly. 

It doesn't seem that Experian is following the spirit of the law by always disallowing an online request. 

XXXX they are XXXX  you and me around.
Product: Mortgage

On XX/XX/XXXX I called in to change my weekly payment of {$550.00} to biweekly payments of {$900.00}. I was under the impression my next biweekly payment would be auto drafted on XXXX. 
To my surprise another weekly payment was auto drafted on XX/XX/XXXX. I called in on XXXX and was told by a banker that my biweekly change was not processes and they asked if I received a letter that I was supposed to sign and mail back. I was told they can not make the change with a signature, unless I make the change online. I never received a letter to sign and the banker I spoke with on XX/XX/XXXX never mentioned anything about needing to sign a cancelation notices and mail it back. 
The Baker walked me through how to change my payments online and I schedule the next biweekly payment to be auto drafted on XX/XX/XXXX. I thought my change was processed and everything was good. 
Then on XXXX another weekly payment was auto drafted from my account. I called the bank on XXXX and the banker advised that I was set up on biweekly payments, but the {$550.00} weekly payment was processed on XXXX because I had to call in XXXX business days before the auto draft to cancel it and I called in 2 business days. The banker I spoke with on XX/XX/XXXX never informed me of this and I was under the impression my next auto draft payment would not occur until XX/XX/XXXX. 
Luckily the 2 unexpected auto drafts did not create and NSF but even so the bank should have informed me of the processes and educate me on what to expect.
Product: Mortgage

My wife and I made a payment for XX/XX/2018 mortgage for {$20000.00} and our month balance before this payment was {$100000.00} and our interest rate is 3.75 % and our escrow amount is {$570.00} and my interst amount is {$330.00} if we add interest amount + XXXX = {$910.00} if we subtract this amount from {$20000.00} is {$19000.00} must be subtracted from total mortgage which is {$100000.00} the new balance should be {$87000.00} but on my new statement balance is {$88000.00} which is {$900.00} that means they did take towice interest and twice escrow account why this happened once before and we let it go please help us I am on the edge of retirement and I want to pay off my mortgage before to retire.
Product: Debt collection

I checked my credit and saw an account from COMMONWEALTH FINANCIAL for Florida Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a XXXX   and needed financial assistance. 

COMMONWEALTH FINANCIAL did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against COMMONWEALTH FINANCIAL should this item not be deleted within the required time allowed by law. 

COMMONWEALTH FINANCIAL is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX   and XXXX  as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and Experian all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Product: Credit reporting or other personal consumer reports

Previously, I submitted a dispute regarding inaccuracies in my consumer report, specifically related to the following account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX. After a third attempt to formally dispute the inaccurate information appearing on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) regarding the Accuracy and Fairness of Credit Reporting, and 15 U.S.C. 1681s-2 pertaining to the Duty of Furnishers of Information to provide accurate information, I am turning to the CFPB for remedy. Upon reviewing my credit report, I have identified this charged-off tradeline contains numerous inaccuracies which are negatively affecting my creditworthiness. I respectfully request a thorough investigation and deletion of this tradeline based on the following inaccuracies : Please find the complete information attached to this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Product: Student loan

Years ago, XXXX XXXX XXXX, a prior institution that I attended, continually harrassed me for money I did not owe. They could not produce any documentation, and with the CFPB 's help, the debts were discharged by XXXX ( XXXX ), and stopped being reported to credit bureaus. Now, they have started trying to collect on that money again, this time through Nelnet, but the debt was discharged. I do not owe them this debt. The debt Nelnet is collecting from University XXXX XXXX  is accurate, but not from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX, AND XXXX Violated -Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates I XXXX never gave TRANSUNION, XXXX , or XXXX my written consent to report any derogatory remarks, hard inquiries and, unverified items on my private consumer credit report, causing me severe suffering. ( see attatchments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed 4 written complaints against the credit bureau and the results of the investigation has been that the item and description is VERIFIED and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is 2 different results. The credit bureaus refuse to remove from my credit profile.
Product: Debt collection

I was pressured in to signing up for a payment plain thinking i could wind up being arrested.
Product: Debt collection

My student loans are split in many different amounts and I never took out that many loans. I see it on my credit report and each one reports me as missing a payment so it counts as multiple missed payments per month. On top of that I have asked for financial hardships and loan forgiveness. I believe I am a victim of fraud.
Product: Debt collection

I Signed up for a credit monitoring service ( XXXX ) and noticed accounts reporting to my credit that didn't belong to me. I thought maybe it was just an error with XXXX credit bureau but once I checked both XXXX and XXXX the same accounts were reporting with different amounts and dates. These accounts are also reporting through a third party collection agency. 
The collection agencies are listed below : XXXXXXXX XXXX XXXX {$6600.00} Opened XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$1100.00} Opened XXXX XXXX, XXXX Fraudulent accounts are : XXXX XXXX opened XXXX XXXX, XXXX balance {$1900.00} Citibank Opened XXXX XXXX XXXX XXXX balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am sending this email in regards to the unfair acts from the credit bureaus ( all three ). I have made several complaints with each bureau, the consumer financial department and FTC. FTC was actually the organization that directed me to put in a complaint here. This is all new to me so please bare with me.

I analyzed and repaired my own credit and was successful enough to get the results I wanted but not fortunate enough to get the score that's earned. I have been working delegently on my credit report for about 3 years now. I understand what was needed to repair my credit and I did so, even if it required me to pay off the debt ; I did what was necessary.

I was very excited about the process and the possible outcome until I realize that my score hasn't moved much since I started ; That's when the disappointment came. Within 3 years, my score would go up and then drop again. I know you probably believe I am a person that has alot of collections, because I apply for credit and never pay the creditors back. Nope! I can't even get a department store credit card, because I am set back by the credit bureaus. I will need cash for everything and how easy is that to come by living in poverty. And even still, I don't make irrational decisions like that. I've noticed in the past 3 years, the credit bureaus will for example : take my score from 617 to 598 then take it back to 617. It will never move beyond those numbers even with good standing accounts.

Something doesn't seems right. I've open up two secured credit accounts with my bank about 8 monthd ago. Accounts are paid on time and when reported to the credit bureaus, they will not raise my score. I've even opened up an additional secured loan to help me and nothing. My score remains the same which is unfair. I have no delinquents or collections and my credit score looks bad.

My report doesn't reflect my score and this is holding me back tremendously. All I am asking is that my case can please be heard and reviewed. I did all I can do on my end to better my credit report and I feel stuck in a limbo. I believe there is an error or some type of bias going on, because I can't seem to understand this process and how consumer 's aren't being treated fairly by the credit bureaus.

This is probably happening to alot of consumers, but noone isn't noticing, so they can't complain. I always observe my report, especially because I'm working on it and I have noticed an unfair pattern that I am very disappointed about. Can someone please assist or point me into the right direction? Thanks in advance. 

XXXX XXXX XXXX