23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  reporting me with 3 collections {$2300.00}, {$920.00} and {$3900.00}. I have sent XXXX XXXX a debt validation for all 3 collections and they have not responded and also reporting me on my credit reporting agency XXXX, XXXX and XXXX. All 3 collections being reported does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank  Consumer Complaint Division Legal D epartment  XXXX   XXXX   XXXX   XXXX ,  OH   XXXX   Re  : Release of Monies From Deceased Fathers Account to Surviving Spouse ;  XXXX   XXXX   XXXX   Chase Ba nks excessive delay in transferring monies from my deceased father 's account to his surviving wife,  XXXX   XXXX . My father passed on  XXXX   XXXX ,    2016.      The initial request for the transfer was made in  XXXX     2016, by me , in person, at the Chase branch in  XXXX , CA, where my father opened his account. It has been  10 months since the initial request and 11 months after my beloved fathers passing.      My mother is  XXXX   XXXX   XXXX . Due to  XXXX  and  XXXX  problems, she is  XXXX . She requires costly   XXXX   XXXX   I am my mother 's health advocate and have Durable Power of Attorney to act on her behalf on all financial matters. I have also retained the services of an attorney to handle the estate of my father. She has also made several attempts to accomplish the transfer.     My parents were married for  XXXX  years. In the months prior to his death, and with the knowledge that he did not have long to live, my father worked day and night making home  improvements  and financial arrangements to ensure my mother would be safe and secure in their home. I made a promise to my father that mom would receive the best of care.     Chase has stonewalled the release of much-needed funds by making duplicate requests for documents already produced and recently claiming documents were not in the system. The delay has impeded not only the estate proceedings but also created undue burden and   XXXX   in my ability to provide critical care for my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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, credit repair services, or other personal consumer reports

ford motor and experience are in of violation of 15 usc1692c i have not given written permission to report my transactions
Product: Credit card

Someone opened a chase card without me knowing. I have called the company and they are putting fraud on the card.
Product: Debt collection

I have reached out multiple times requesting complete documentation verifying this debt under the laws of the FCRA. The only documentation that has been provided to me is a bill totaling {$1800.00}. On the first page of the bill shows a past due balance of {$500.00} but nowhere on this bill does it explain what that amount is composed of. According to FCRA XXXX, ( A ) Reporting information with actual knowledge of errors. 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. How can I or anyone verify a debt with charges that are not being disclosed You are obligated under the FCRA to ensure accuracy of the information you furnish. How can you ensure accuracy when there are charges being reported that have no documentation nor explanation of what they consist of. For all you, I, or anyone can know, these charges can belong to someone else. I also have a right under the FCRA to know what is being reported on my consumer report and reporting a debt that I do know what it is entirely composed of violates my right.
Product: Money transfer, virtual currency, or money service

I have been locked out of my Coinbase account for over 5 weeks now which holds on this day XX/XX/XXXX the equivalent of {$5600.00} worth of Ethereum coins/tokens. That is a lot of money I ca n't access.

The issue first occurred on XX/XX/XXXX when I tried to sign into my account. I received the following error : ''Invalid email or password. Try clicking 'Forgot Password ' if you 're having trouble signing in. '' Now straight away I thought this was very odd as I use a password manager to enter my details. I tried to login a few times more but the same error kept appearing. I eventually requested a password change. Coinbase sent me an email to reset my password which worked with no issues. However, no matter how many times I changed my password the same error still popped up. The email is 100 % the email associated with the account and obviously the password is correct so it is not a fault at my end. I can login to my account via the Coinbase APP but ca n't access my wallets/accounts. Again, I receive an error message. I have tried signing in from another device and different browsers to no avail. I have even asked my friend to try and login for me from his computer. Nothing works. 

Now when I attempt to login I 'm receiving the error message in the title : Sorry, account temporarily disabled. Please contact support.I have contacted support by email and created a ticket ( Case # XXXX ). 

I have also sent them a direct message on XXXX, my only response was via email which seemed to be an automated response which stated ''Due to increased volume it may take several days to receive a response. '' For me this is completely unacceptable customer service. Not being able to access that amount of money particularly over the festive period has caused me a great amount of stress. 

Any help/advice on this matter would be greatly appreciated.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Student loan

XXXX XXXX filed a bankruptcy petition in XX/XX/XXXX. Listed private loan with Sallie Mae and the petition was signed on XX/XX/XXXX. Sallie Mae has been calling, harassing and threatening me with a lawsuit to recover the debt.

This has been occurring form the latter portion of XX/XX/XXXX until present time. More recently, they have charged off the loan. I am received harassing calls from Sallie Mae corporate indicating that if I do n't pay the balance by the end of XX/XX/XXXX, they will institute wage garnishment. I receive calls on a daily basis from XXXX XXXX XXXX from Sallie Mae Corporation phone number XXXX ext. XXXX. Presently I have a federal loan in the amount of {$96000.00} that I am repaying and I can not afford to enter into any type of arrangement of {$1000.00} down and monthly payments of over {$300.00} a month until the balance of {$3600.00} is paid. Nor can I settle the matter for an amount over amount of {$2500.00}. I am providing with this communication paperwork on they various unfair collections strategies of Sallie Mae following my bankruptcy petition.
Product: Credit card or prepaid card

XXXX XXXXXXXX refunded an amount of {$80.00} to my XXXX XXXX ending in XXXX on XXXX, shows posted as of today, XXXX, amount does not show in available credit which is now {$290.00}. My credit line is {$1000.00}. A purchase from XXXX XXXX in amount of XXXX was made on XXXX, however, my available credit should show around {$370.00} with return from XXXX XXXX including XXXX XXXX purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give Transunion Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my current credit report and noticed that I have several hard inquiries from car dealerships and numerous other businesses that I did not apply for. I went into a XXXX XXXX  to apply but have several different dealerships on my report, as well as mortgage company inquiries repeatedly from the same company when I only applied once. I have put Fraud alerts on my credit reports to prevent fraudulent accounts. 
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, credit repair services, or other personal consumer reports

Subject : Notice of Dispute and Demand for Immediate Correction of Credit Report - Bankruptcy Information and Unreasonable Verification Timeframe Dear TransUnion, I am writing to emphatically dispute the egregiously inaccurate and unlawful information in my credit report ( XXXX ). As a responsible consumer, I have reviewed my credit report and discovered unacceptable errors regarding a bankruptcy being reported on my file, which has been provided to you by XXXX XXXX XXXX. 

The erroneous bankruptcy information on my credit report constitutes a violation of the Fair Credit Reporting Act 's ( FCRA ) requirement for accurate and complete reporting. 

Furthermore, I submitted a dispute regarding the validity of the bankruptcy on Saturday, XXXX, and received a response on XXXX stating that the information had been verified as accurate. It is highly implausible for the information to have been verified within such a short timeframe, especially considering that the courts are not open on weekends. 

I have obtained a certified affidavit from the bankruptcy courts, which explicitly states that they do not provide verification to credit reporting agencies ( CRAs ) or third-party agencies and will not certify the information within XXXX as accurate. This affidavit confirms that your verification method has been invalidated, which violates the FCRA Section 611 and Illinois state law. Given this statement from the courts, it is unclear how TransUnion and XXXX XXXXXXXX XXXX can claim the bankruptcy information as valid and verified. 

The continued reporting of this inaccurate bankruptcy information demonstrates a blatant disregard for legal precedent, established guidelines, and a lack of due diligence on the part of your agency. This illegal reporting practice not only disregards federal law but may also infringe on Illinois 's state laws and statutes governing credit reporting and consumer protection, such as the Illinois Fair Credit Reporting Act ( 815 ILCS 137/ ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/ ). 


It is my unequivocal demand that you commence an immediate investigation into this matter and expunge the erroneous bankruptcy information from my credit report without delay. 
Enclosed is a copy of the certified affidavit from the bankruptcy courts and the relevant portion of my credit report for your reference. 

In compliance with the FCRA, your agency is legally obligated to conclude the investigation within 30 days of receipt of this dispute letter. Upon completing the investigation, I expect to receive an updated copy of my credit report and written confirmation of the rectifications. 

Failure to address this dispute promptly and accurately may result in legal action against your agency, including claims for damages under the FCRA, Illinois 's state laws, and any other applicable laws and regulations.
Product: Mortgage

BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Activation Code from XXXX for Identity Theft Protection due to a Breach in their system. In my activating the Code ; Equifax system does not allow me to Activate the Code via their website after entering all of my information, setting up an Equifax account website & answering the system questions of information in my Credit report. ( I did not do the text message to my phone since the phone is for CALLS ONLY. ). I called the Equifax Customer Service # & after all of their " automated '' junk I was able to speak to XXXX. She took the Code & claimed she is connecting me to their " specialty team '' of which I am not given a phone # to call them in case I get disconnected. I waited for about 20 minutes & no connection. I called Equifax website Accessiblity phone # & went through the whole automated & was able to speak to XXXX XXXX being who stated their system just decided to do an update & to call back in a couple of hours & someone would help activate the code. I did not get to discuss the website Accessiblity information & she could not explain why the system is not working yesterday via their website for me to activate the Code. In several attempts of activating the code via the link XXXX gave I am getting the same information except not able to answer any questions pertaining to information on my Credit Report. equifax needs to make things more Accessible for XXXX, they need to take care of their Customers, & quite lying about their system be in the internet or their employees.
Product: Student loan

I have submitted documentation for XXXX multiple times to MOHELA without any acknowledgement or approval. Previously denied despite appropriate signatures and supporting documents
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX. 
Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct # - XXXX XXXX  Acct XXXX - XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is a double reporting on my credit report. XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX. XXXX XXXX clearly says the client XXXX XXXX   which means XXXX XXXX  sold the account. These accounts have not been verified correctly. XXXX is not reporting that they sold the account to XXXX XXXX which is a violation as well. I have attached the report from Equifax. Both can not be reporting on my credit for the same debt. 

Equifax has not investigated this matter and that is a violation. 

This is a violation of rights and both accounts NEED to be removed immediately.
Product: Money transfer, virtual currency, or money service

I wished to make a wire transfer of funds from my Citibank account to a XXXX XXXX I had already wire transferred the same amount to the same bank on XXXX XX/XX/XXXX. I tried and failed to use the Citibank automated system to make this transfer on XX/XX/XXXX and XXXX. I called Citibank on XX/XX/XXXX and XXXX and for several hours tried to make the transfer. Failing, I asked to speak to the manager. I explained the problem to him. He had no suggestions. We tried the way we tried before and I was connected to a wrong number and cut off. I called again and failed again. This is why I am writing now. Everything works perfectly in the transfer until I am asked to identify myself by entering a code number sent by Citibank. I have a cell phone registered with Citibank, but the code never comes over the cell. I have a phone which does ring but the code never comes over. When I call Citi I am connected to an automated system, but the code almost never comes over. When it does and I enter it, I always get the answer " we are having technical problems, please try later. '' I have been making this sort of transfer for years using Citi ; sometimes it takes more than one try, but I've never had a problem like this. I hope you will ask Citi to review their overseas wire transfers system, and especially with XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of ED/ XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 ) XXXX  XXXX
Product: Credit card or prepaid card

Received a letter in the mail informing that I opened a XXXX XXXX/ XXXX XXXX credit card account and after the fact I noticed a hard credit pull in my credit report from XXXX XXXX XXXX It appears this account was fraudulently opened with my personal information and since then I have tried numerous instances ( over 15 phone calls ) to  reach the fraud department of XXXX XXXX through the customer service phone number on the website, but the automated service does not allow me to speak with a person to flag it as a fraudulent activity. I would like this account to be closed and the credit inquiry removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to TransUnion that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This TransUnion and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by XXXX XXXX XXXX, https : XXXX and is being reported by TransUnion. I have disputed the entry with TransUnion unsuccessfully.