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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

I was sued by XXXX XXXX through a debt collection attorney Nelson-Kennard for the amount of {$2500.00}. This was during the time I had just filed bankruptcy. A year later XX/XX/2019 the seized all the money from my daughters account. The amount of {$1900.00}. I contacted the law firm right away to have them release the funds back into my daughters account because this was not her debt and the account was not mine. The person I spoke to XXXX XXXX agreed. I would make monthly payments and they would release the funds. It took over a week to receive any documentation. The document states the full amount. I sent bank statements, check stubs, all the information they requested in order to prove the account was not mine. They still would not release the funds. After contacting and speaking to 2 attorneys 4 reps they released a partial amount of {$640.00}. And the remainder would be payable to Nelson and Kennard and applied to the debt. After a month of calling, putting together paperwork, contacting other attorneys to get my daughter 's money back. She is only XXXXyears old and has no obligation to this old debt. They still would not release the money. They applied {$1200.00} to the debt. I contacted the firm multiple times I wanted to renegotiate the terms. Since the balanced owed was different. And they did not follow through with the agreement we made. I made monthly payments. I jiust received a notice in the mail saying I am in default and that are agreement is no longer in affect and I need to pay the balance in full immediatly or legal action will be taken. Basically, threatening to garnish or levy my bank account again. Nelson-Kennard has not responded to one of my request. They call and send threatening letters. This whole situation has damaged my  entire family. My daughters XXXX money was taken which she needs for school. The stress and hardship it has caused I can't even put into words. It is by far one of the worst experiences I have ever had. And Ive lost my house, filed Bankruptcy twice been through a divorce. For a debt collection agency to levy a child 's bank account is unethical. All of the turmoil that has been caused because of credit card debt in the amount of {$2500.00}. That should of been included in the bankruptcy but somehow slipped through cracks.
Product: Credit card or prepaid card

Today my direct deposit XX/XX/XXXX didnt come Im worried my other paycheck for the new job I started will not make it in time. XX/XX/XXXX called no eta on when my money will arrive
Product: Credit card or prepaid card

Bank of America offered me a XXXX reward points for spending {$3000.00} within first 90 days from opening date. While I was applying for the card on the web, small chat window popped up and insisted help. service representative through the chat window suggested me to go over the phone to finish the paper work, and i did it. 
Today, Bank of America have refused to pay me XXXX reward points ( {$500.00} worth ) because that deal was online exclusive and I finished applying process through phone call. I started process with online form. It was the Bank of America that leaded me from online form to chat window and then eventually a phone call. There was no information given to me saying I will lose my benefit for moving over to a phone. They also refuses to refund {$95.00} dollars annual fee because a card has been active for more than a month.
Product: Credit card or prepaid card

I have sent three letters via registered mail in order to obtain information. Each request for information goes unanswered.
Product: Mortgage

Our original mortgage for our property was with Franklin American Mortgage Company. They sold it to Citizens One Home loans. 

The city that the property is in doubled the tax rate for the property. In addition, the property value has dropped about 40 % from where we purchased it, the utility bills have been a lot higher than we expected and as a result, we can no longer afford to keep it. We reached out to Citizens One over two months ago about options such as short sale or deed in lieu. 

The company has a phone number but it is all automated. No matter when you call it says they are receiving high call volumes. They have a call back but the times that they have called back they immediately hangout when I answer. We used their system to submit request for mortgage assistance but no agent was assigned to help us and there has been no followup by the company. We also paid for copies of our mortgage docs to be mailed to us on XX/XX/XXXX and we never received. Recently they started adding a {$20.00} " other fee '' to our mortgage bill with no explanation as to what for. It's impossible to talk to anyone about the fee. 

I believe that there is intentional fraud and customer abuse at the company.
Product: Checking or savings account

Chase bank suddenly sent me a mail and said they will close my checking accounts and all credit cards with the bank on XX/XX/XXXX. 

I called the bank and was told no reason can be disclosed to me. 

I use chase credit cards for more than 10 years, and checking account for more than half an year, and don't see the reason behind the account closure. 

I am using chase checking account to pay bills, so the closure has a big impact on me. 

I have accounts from other major banks, and never have seen this kind of things in my life. 

please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CHXXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your help.
Product: Credit card or prepaid card

This is NOT a duplicate, it is a new complaint as apparently, despite telling the CFPB and me that they would stop mailing me junkmail solicitations, I received yet ANOTHER one in the mail today. It appears this pathetic disgusting company isn't satisfied with annoying the XXXX out of everyone with their incessant repeated ads, but they have to harass us through the mail as well with repeated unwanted credit card solicitations. Apparently, when you're an XXXX banking professional, with an IQ XXXX XXXX, this is what you think is good marketing. I am self-employed and this one came attention to my D/B/A at my home address
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 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. I have contacted Transunion, XXXX, and XXXX about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Product: Checking or savings account

I opened a new account at XXXX XXXX. I deposited a check from my Chase account, for the full balance of the Chase account, into my new XXXX XXXX account. I looked online next day and both banks acknowledged the check deposit. The following day I informed Chase that I will be closing my account. Out of spite from losing my business, they failed to honor the check even though the money was in the account. They are trying to make me unbankable, as XXXX XXXX closed the account due to the bounced check.
Product: Debt collection

When I contacted Online Information Services demanding the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act Online Information Services refused to validate the debt.
Product: Credit reporting or other personal consumer reports

As of XXXX of XXXX, my student loans, around {$69000.00}, were transferred from Mohela to XXXX but my credit report has not been updated to show that I no longer owe Mohela. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and Mohela, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to Mohela twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXX of XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the Mohela student loans. In fact, those loans are still showing up as open with the original balances. There are still five open Mohela accounts on my XXXX credit report with large balances. I have attached the XXXX credit report to this complaint as well.
Product: Credit card

I financed a set of XXXX XXXX  through my XXXX XXXX  office with Synchrony Bank Care Credit. They offered me 18 months interest-free. I was informed after 18 months that I would start being charged interest. At the end of the 18 months, they not only began charging me interest, but they added a back charge of interest for the 18 months that was supposed to be interest-free. My balance increased by over {$1800.00} because they back-charged 18 month 's worth of interest. I was never informed I would be back charged any interest, only that I would begin being charged interest at the end of the promotional period. The new interest charge put me over the charge limit of the original charge, further causing my interest rate to be increased. When I spoke with the company on the phone, they said there was nothing they could do. I finally got through to someone who said their manager would send documentation that I agreed. I have not yet received the documentation, but I will allow for time for that arrive. This was all done over the phone at an audiologist 's office. How can they back-charge {$1800.00} of interest, and by their own charge cause me to go over the spending limit and then increase my interest rate because I am over the card limit due to their charge? On top of that, they are compounding the new interest becasue I am now being charged interest on the new higher balance. After 18 months, I am now at a balance higher than when I originally made the purchase of a XXXX XXXX That is not care credit, that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX And XXXX, Experian, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX DIST COURTBKXXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been charged an interest rate on my student loan of 6.8 % for the last 5 years. I have repeatedly asked for a lower rate that was on par with rates within the free market and have been told no every single time. Moreover, the people that I have spoken with have stated repeatedly that it is the government that sets the rate and they have no control over how much I pay. My full repayment is approximately {$580.00} per month. This is almost as much as my home loan payment and considerably more than my car payment. More alarming is that I have been charged this rate of interest at a time when my car loan rate is 2.1 % and home loan rate is 3.75 %. I am currently paying interest only and at XXXX years old, I can not see a pathway to ever pay off the {$44000.00} I owe to for the " education '' I received from University XXXX XXXX ( another matter as it is a for profit organization ). I am a single mother of a XXXX year old son whom I have not been able to save a single dollar for his education and he will be saddled with my loan if something were to ever happen to me. I was scammed from the very beginning from the counselors at the University XXXX XXXX to the Navient collection process. I have a nearly worthless XXXX and am at a loss as to how to remedy the situation despite my many conversations with Navient. This is unconscionable and as a tax paying citizen I want to pay back what I owe, but at this rate, it will be nearly impossible. I started my higher education to improve my life as well as my son 's life and at the end of the day, I am saddled with a worthless degree and a loan repayment plan that is not even remotely manageable. I would like to add that at no time did Navient ever take into account any other bills that I have, like so many other students, such as home loan, car payment, utilities, child care, etc ... Additionally, if I am so much as a week late with a payment, Navient calls me repeatedly on my cell phone while I am at work. I have had to block them as they have called me so much and I have not missed a single payment, ever ...
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 My Coinbase Account was hacked through a failure of Coinbase 's Facial recognition verification system and approximately {$18000.00} worth of Crypto currency was was removed from my account. Upon reporting the theft to Coinbase they locked my account pending investigation. They concluded that my login information had been compromised and refused to accept any responsibility. I had to reverify through the very facial recognition system that failed in the first place so that I could access the account to get the transaction records so that can properly pursue the chance of recovery. I was told that 24 hours after the account verification that I would have access to the account and the remailing money that had not been stolen. 

After multiple emails and phone calls I still am not able to access the records of thr fraudulent activities. They have essentially hi jacked my ability to pursue any recourse for the losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have disputed the Chapter XXXX and Chapter XXXX on my credit report. I submitted another letter dated XX/XX/XXXX requesting TransUnion to verify to whom they spoke with and date and time to verify this entry on my report. They sent to responses stating that it came back Verified one dated for XX/XX/XXXX and the other dated XX/XX/XXXX. 
However I have a memo from the United States Bankruptcy Court of District of Maryland, Office of the Clerk dated XX/XX/XXXX which states in the first paragraph that the US Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files. TransUnion still has not adhered to the rules and procedures of the FCRA. T
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXX  Requires that the creditor to report your account as Current and good standings.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used the external ACH service from Charles Schwab to transfer {$2500.00} from XXXX XXXX XXXX XXXX. 
I had closed the XXXX XXXX XXXX XXXX XX/XX/year>. On XX/XX/year> Charles Schwab transfer the funds back to XXXX XXXX XXXX XXXX. I have been trying to get my funds back and each institution blames the other institution that they dont have the money. no one wants to help to get my money back to me, I have spent so much time trying to get assistance and no one is willing to help. I have trace numbers from both institutions and there answer is the numbers are not good. I have tried to escalate with each institution ACH department, however they have advised there is nothing they can do. I do have proof of statements that the funds being withdrawn from each institution, but no deposit. XXXXXXXX XXXX  declined to issue a letter explaining the situation.