23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I Wired {$100000.00} from my XXXX  XXXX XXXX account to Coinbase account on XX/XX/. I confirmed with XXXX that the wire was sent out successfully, and with Coinbase 's bank ( XXXX XXXX XXXX ) that the money was posted to Coinbase account onXX/XX/XXXX. However, my Coinbase account still isn't updated with the amount. 

I sent numerous requests ( 10 times ) for a followup, but only have received a standard/automated responses with no detail of what's happening. The money has been missing for over 19 days, and I have no idea if Coinbase is doing anything about the situation.
Product: Credit reporting or other personal consumer reports

This will be for multiple companies I requested a contract or anything with me agreeing to pay 2 collections that are not mine they belong to XXXX XXXX. I been asking for this going on 2 months with XXXX response. I have requested this several times during dispute with each of the 3 credit agencies TransUnion equifax and Experian. Each of these companies failed to report fair and accurate information. Violated my rights in not providing me the required information when requested prof that I owe these medical. A contract doesnt exist but keep coming up as verified 2nd violation or 2nd ignore implemented law XXXX  no attempt to contact no report I had that in my dispute also. Still came babk verified and ignore the consumer. 3rd violation of my rights not automatically deleting these 2 collections thst dont belong to me anyway that collection agency still hasnt responded to my repeated requests now going on 60 days. My question is are tge credit agencies taking this personal because they sure will ignore everyone of my requests and violate my rights while they are braking the law. Its in black and white. Im tired of messing with this. If these are taken off my credit asap more than just me going after u financially criminal should already be added. Now they are showing as open collections they went from closed to open. Its almost like they are owned by u. Each of u went entirely off the company to gains word and each of u seem my disputes and requests dates etc and never thought once thst I was being railroaded of course not because TransUnion equifax and Experian was actually helping these cheaters while doing so Blatantly was braking not one law not to laws but 3 different laws. Within these 2 collections. How do you sleep at night. Destroying me financially for two months I have been a complete nervous wreck. It had impacted me financially emotionally my family has suffered and why.
Product: Debt collection

I PAID XXXX IN 2012 AND MCM KEPT CALING HOME, CELL AND WORK AND IS STILL REPORTING ON CREDIT REPORTS. AND S.O.L. EXPIRED.
Product: Debt collection

The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or two before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree that the said amount of debt is owed by myself, to XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.
Product: Mortgage

I have a non profit helping me. They call the lender to let the know I have decided to do a short sale on my home I was informed that it take 38 day for them to review my short sale document I asked if them can propone the sale date for I can turn in a short sale document. the rep.  XXXX  said that they will not proponed the sale date for I can submit a short date applicant I can put it in writing but it will not stop the date I just would like just I time for I can do a short date there not willing to work with me
Product: Checking or savings account

On X/X/17 I spoke to chase about charges to my account that were n't authorized by me. ( XXXX XXXX XXXX {$89.00} and  XXXX - {$87.00} ) I put in a claim and they reimburse me. On X/X/17 After the investigation they gave the company back the money on ( X/XX/17 ) said they had enough proof ( the Proof was My address and Phone Number ) to claim I did order the products and there was nothing they can do and I should call the company XXXX. I told Chase this was unacceptable and this is not proof. I lost this dispute because they verified my Address and Phone number - Not proof of delivery, not a Signature Not an Email Address or Chase Rep. told me today, they could n't verify my IP Address this purchase was made from. I called the company XXXX this morning and they told me they notice I did dispute the charges and I lost the dispute and there is nothing I can do. *Attach is the proof of unauthorized funds taking from my account
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items are inaccurate and violate the Fair Credit Reporting Act ( [ XXXX XXXX XXXX ] ( b ) ), which requires your agency to maintain the highest accuracy standards. 
Moreover, under [ XXXX XXXX XXXX ] ( a ) ( XXXX ), you have shared my private information without my consent, infringing upon my privacy rights as outlined in [ XXXX XXXX XXXX ] ( a ) ( XXXX ).
Product: Mortgage

I recently paid off my mortgage loan, ( XX/XX/2015 ). I have yet to receive a release of lein. I have called the servicer, SETERUS, several times and continue to be told it will take 7-10 business days. It has been 4 months!!!
Product: Checking or savings account

Truist bank closed my account and refused to mail me a check for my balance on my account which is {$1100.00} dollars Every time I call they keep saying it should have been mailed and hangs up the calls
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX Suntrust DBA Lightstream XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX EQUIFAX EQUIFAX DISCLOSURE DEPARTMENT XXXX XXXX XXXX XXXX, GA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report one hundred percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is one hundred percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX XXXX XXXX in accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than 30 days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Student loan

I submitted my final payment in full on Saturday, XX/XX/XXXX to Sallie Mae. The payment continues to being identified as processing on Sallie Mae 's site. This is accruing interest because the processing has not cleared, even though I completed the pay-off amount/final payment. 

I reviewed my bank statement, and the payment has not reached my bank. There isn't a charge at all for the transaction. This is abnormal. I have paid off two other loans from Sallie Mae, and it has never taken this long to process a payment. 


I reviewed my credit report, and they are running checks on it. This is inappropriate, and calls into question their cooperativeness and intent toward borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX Experian, XXXX XXXX XXXX ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf. 


The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Trying to dispute all these off my credit I have no knowledge of these XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor in the amount of XXXX {$2.00} ) grant and Weber in the amount of XXXX {$3.00} ) XXXX XXXX XXXX in the amount of XXXX {$4.00} ) XXXX in the amount of XXXX $ These are the items I need removed Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnishan accountt without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, CHILD SUPPORT XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, CHILD SUPPORT Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Student loan

Navient/sallie mae loan company made illegal charges and did not offer loan repayment plans to me when they bought my loan. They illegally deferred my payments and didn't offer any solutions other than forbearance. My loan has tripled in amount but then they paid me from a settlement in a lawsuit for calling my work and for charging illegal interest and charges. During that time ( XXXX ) I was placed on forbearance at least 7 different times. I was not given options. They harassed me at work until I was put on forbearance with my loans. One advisor also told me they would ruin my life. When they began getting sued they sold my loan to XXXX XXXX/XXXX. They began to garnish my wages. I asked for a hearing to request a stop to garnishment through financial hardship but I was denied. I called XXXX and they refused to give me any information on to why I was denied. They refused to disclose any of the process to denying me. They Garnished over 1100 dollars a month. To get off garnishment they said I must pay another $ XXXX month in addition top garnishment? Meanwhile they destroyed my credit by constantly adding remarks and adding delinquent penalties tip my credit score. I wad getting garnished while they destroyed my credit in addition to that. I can not afford the garnished amount. They gave me no other option. Im going to lose my house. I have a XXXX year old. My bills are over XXXX 4000 month. I was denied by XXXX even after i applied for financial hardship but I've been getting garnished for over 2 years.I can't afford it and i can't get out of garnishment. Plus my student loan amount has increased! Is that legal? Navient made illegal practices and my loan amount has more than doubled but now XXXX is garnishing my wages for it? My loans were federal Perkins loans   and XXXX loans which are possible potential forgiveness loans for XXXX. Im a XXXX but I can not Get forgiven if my wages are being garnished and I am in default. This can't be legal
Product: Credit card or prepaid card

Capital One card and XXXX XXXX XXXX card identity theft and where permanently deleted off XXXX and XXXX but remains on XXXX