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

Topic : Transunion removed ( incorrectly! ) the most positive item on my credit report. 

On XX/XX/XXXX, I sent Transunion a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. 

They corrected one item, ignored one item, and decided on item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

These people, that change staff often leave threatening voice mails to take legal action and then call you the next day that I should call them and make a small payment. It is not against to be in debt. Do not call with threats one day and when you realize that what you said was illegal, call back the next day as if I did not save the voicemail transcription. These people call everyday when they know that I am at work. I get off late so I have to let them leave voicemails. Saturday comes and they call. Then they will call from what I believe is a cell phone. But when I try and call back, it is blocked. That is harassment. Once again, it is not against the law to be in debt. Maybe Im paying slow due to job issues but I always catch up. This type of behavior by their staff that changes monthly is unacceptable and very troubling. They need to know that threats will not get them paid any faster. I am recording each time that call daily and on weekends and Ive saved the cell numbers in which they call from. Ill continue to report them until your company deals with the issue. Threats will get them nowhere.Also where is my written notice within 5 days of the threats? Can I have this is writing.
Product: Money transfer, virtual currency, or money service

Dear sir/madam : I would like to report coinbase for an unauthorized transfer if my miney to a non existing wallet ( XXXX  ). 
I bought XXXX worth of LITECOIN  ( LTC  ), a type of cryptocurrency, onXX/XX/2021 @ XXXX XXXX according to the transaction records.ive been trying to withdraw the miney to use for emergency, but to my surprise there is no way to withdraw it because it is in a wallet that only coinbase knows the answer why it is there.please help me as this is a serious problem for investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The experian website has my year of birth incorrectly listed. I've tried to submit a correction request online but keep getting directed to call and speak with one of their representatives. I've called them multiple times at ph XXXX and ph XXXX but can not get a live person on the phone.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( Experian ) XXXXXXXX XXXX XXXX Account Number : XXXX ( XXXX ) XXXXXXXX XXXX Account Number : XXXX ( XXXX, Experian ) XXXXXXXX XXXX Account XXXX : XXXX ( XXXX, Experian ) XXXX Account Number : XXXX ( XXXX, Experian ) Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my Credit report on today 's date of XX/XX/XXXX, I discovered my score had dropped by 1 point after a hard inquiry from COAF in XXXX TX XXXX on XX/XX/XXXX. I do not recall this company and it is just now showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I made my final lease payment in XXXX and I had the option to purchase the vehicle at the end of the lease. My wife asked the XXXX rep about receiving the title to the vehicle and they could not give her an answer. I signed a contract with XXXX XXXX and XXXX XXXX XXXX and they can vouch that I have made all payments on time. I just dont know who is going to sign the title over after I send them the payoff. Apparently XXXX was reporting the final payoff as part of my regular lease payments which is not correct. I need to know who to send the agreed upon payoff to and they need to fix my credit report. I have worked hard to get my score into the XXXX now Im lower than where I started 4 years ago.
Product: Debt collection

I am in the process of trying to purchase a home. I was unaware of any of the four fraudulent debts on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Control Corp, which is a violation of FDCPA. Credit Control Corp has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Control Corp, nor any party that Credit Control Group, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Control Group remove all four of these fraudulent debts from my credit report or I will sue, and seek the maximum compensation available under the law, for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX  acct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states 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. 

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states, I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -World Acceptance corpora XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank created a fraudulent 1099-G totaling {$3200.00} on checking account XXXX that was closed over XXXX years ago. Chase Bank has reported false information to the IRS for tax year XXXX to reduce their own tax burden. Police report XXXX filed with the XXXX XXXX division is included detailing XXXX XXXX that Chase Bank committed on XX/XX/XXXX. After receiving the fraudulent XXXX, I visited Chase XXXX XXXX at XXXX XXXX XXXX, XXXX, WI XXXX on XX/XX/XXXX and the branch confirmed Chase Bank had without my permission reopened account XXXX. I also called the phone number provided ( XXXX ) on the fraudulent 1099-G and Chase Bank XXXX refused to provide any information and claimed after XXXX years banks are not required to retain records. All debts incurred on account XXXX and any Chase Bank accounts opened or reopened without my permission are the sole responsibility of Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Unauthorized inquiry on my Transunion credit profile. I submitted FTC report and all necessary identification and it is still on my credit report. the Unauthorized inquiry is from XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. My wallet was stolen and they promised to contact the arms involved and get video footage. This was at XXXX. By XXXX the next day they denied my dispute. I have called the ATM companies and they said it would take at least 30 days to pull footage. My bank does not protect my money and this is fraudulent on them for denying my claim without an actual investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.
Product: Debt collection

this company is reporting to the credit bureaus as a colletion account as XX/XX/2022. this is the result of identity theft. i have disputed this account several times have requested validation to no prevail.this company has caused severe damages to my XXXX credit report.
Product: Bank account or service

In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.
Product: Mortgage

XX/XX/XXXX, while on unemployment, I reached out to Keep Your Home California for assistance with making my house payments. At that time I was told that Wells Fargo was participating in the program and that I would need to get specific paperwork from them. When I called W/F requesting the paperwork, I was connected with a home preservation specialist. This person informed me that Wells Fargo had an assistance program under the federal government 's Home Affordable Unemployment Program that he could put me right into, no wait time or paperwork, I only needed to fax a copy of my unemployment insurance award letter and my monthly payment would be reduced for 12 months. As soon as the XXXX payment was made, I received a demand letter from Wells Fargo for nearly {$40000.00}. That is when they put my into their loan modification program of which I have never been able to qualify for. I either did n't make enough money, or I am making too much. The value of my house was n't high enough or it might be to high. Negative Net Present Value is usually the deciding reason they give for not giving me a modification. I even offered {$50000.00} to pay down the arrearages. I believe that this original home preservation specialist was in an incentive/bonus plan for steering me into the Wells Fargo unemployment program that left me owing them, and them denying all modifications, whereas the KYHC program was a helping hand through the federal bailout plan. When I directly requested the notes on my file during this period, I was denied in writing. They said I needed a subpoena or court order to obtain the information on my file. I was informed yesterday when I called Wells Fargo that I was in foreclosure, with a sale date of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding a distressing experience I encountered with your company on XX/XX/XXXX, XX/XX/XXXX. This complaint outlines the specific incidents, potential violations, and the adverse impact on my employment, housing, and financial well-being. 

Full Time/Part Time Employment, XXXX, XXXX XXXX ( {$35000.00} annually ), XXXX XXXX, $ XXXX ( {$24000.00} annually ) XXXX XXXX, $ XXXX ( {$24000.00} annually ) Service Used : Credit Reporting or other personal consumer reports I was denied the advertised job position twice after the background check conducted by your company. The information reported in my consumer report was invalid and inaccurate, causing me to lose the employment opportunity, housing, and resulting in financial hardship. I did not receive an adverse action notice, which should have included the reasons for the denial and the contact information of the third-party company that supplied my consumer report. When I requested information about the third-party company that provided my report, I was refused this information. Your company has not tried to resolve this matter despite my attempts to seek clarification and resolution.
Product: Debt collection

There's an issue with my credit file. I've found a collection entry from your agency that I wasn't told about before. I seriously doubt this debt claim is accurate. The Fair Debt Collection Practices Act gives me the right to ask for debt validation. Please provide this validation and fix this problem.
Product: Credit reporting or other personal consumer reports

THINGS ARE REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
Product: Debt collection

In XXXX, I signed up with XXXX under a business plan. When signing up, the XXXX agent at the retail store advised me that since this is a business account, my personal name and social security would not be affected in any way. In XX/XX/XXXX, I did a change in responsibility for this account and there was some equipment balance for about {$300.00}. When making this change, I advised the XXXX agent that I would like to pay off the balance, and he advised me that the amount will be transferred over to the new account. I called XXXX a few weeks later and was told that I would receive a final bill. They also had my email on file. I simply agreed to this and had my account charged via auto pay on a monthly basis and did not feel I had to follow up. XXXX had the business address for the business account and my home address and email. I never received a final bill via email or via mail to any of the addresses. 

Sometime in XX/XX/XXXX, I received a call from Amsher regarding a bill for {$810.00} due to XXXX. This caught me off guard and I called XXXX and spoke to a customer service Rep name XXXX or XXXX  on XX/XX/XXXX. The reference number for this call was XXXX. I explained my issues to the XXXX rep and he advised me to ignore the collection calls for the time being and that he will put in a dispute and that he will call me back on XX/XX/XXXX with an update. On XX/XX/XXXX, I received a voicemail from this rep stating that he is still waiting for a response to my dispute, so I simply waited. 
Then comes Late XX/XX/XXXX and I got laid off from work along with my wife and other family members due to the Covid-19 crisis going on in XXXX XXXX XXXX. I received a call from Amsher asking for payment and I told the collections company that I'm waiting for a response from XXXX. On XX/XX/XXXX I saw on my credit report and file that a collections was placed on my credit report which had a huge negative impact on my score, reducing it by 101 points. I called Amsher and spoke to the rep, XXXX XXXX. She offered a pay in full settlement and I paid a settlement offer of {$450.00} and requested that this negative item be removed from my credit file. They said they can only update the record saying paid in full and only XXXX can advise them to remove the negative item. I then called XXXX and it took about 5 or 6 transfers before I was able to speak to a business care representative. XXXX advised me that to ask the collection company to remove the negative item from my credit file. Neither company is trying to help me. I never received any bills or letters and wasnt aware of my rights. 

I am requesting that this negative item be removed from my credit as this will severely impact my family and I, especially during this time of crisis that my family and XXXX XXXX as a whole are facing. I've never had a late payment or collections on my credit report
Product: Debt collection

Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?
Product: Student loan

I have in the past try to lower my monthly payment with Navient and have been denied. I am not able to afford my monthly house bills, groceries, daycare costs, vehicle payments due to my monthly private student loan payment and it has yet again gone up. I printed out my tax interest statement today and if I calculate my monthly payments times 12 and subtract what I have paid in interest, only {$1000.00} has gone towards my principle which means i'll never be able to pay this debt off. Unfortunately even though I have paid {$14000.00} towards interest alone last year that when I complete my taxes they cap it at {$2500.00} which does not help our family of XXXX at all.
Product: Mortgage

I purchased my first apartment and two parking spaces in XX/XX/XXXX, and the servicing of my loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, three property taxes for the apartment and parking spots were issued, establishing an initial deadline of XX/XX/XXXX to pay, with subsequent deadlines -- and associated late fees -- of XXXX, XXXX, and a final deadline of XXXX. 

I contacted Mr. Cooper by email on XX/XX/XXXX when I noticed that they had not paid my taxes by the initial XXXX deadline, but I received no acknowledgement. I followed up on XX/XX/XXXX and XX/XX/XXXX, when I received an email indicating that my request was being forwarded to Mr. Cooper 's " Research Department '' for further review. I also contacted Mr. Cooper 's customer service on XX/XX/XXXX and was assured that the Tax Department would review my request and take responsibility for any late fees. On XX/XX/XXXX, I received email notifications that XXXX disbursements were made from my escrow account to pay these taxes, but the payments never appeared on my DC Tax payment history. I notified Mr. Cooper of this on XX/XX/XXXX and was again told on XX/XX/XXXX that my request was being reviewed by the Research Office. 

On XXXX, I requested and received explicit confirmation from the DC Tax Office that no payments were ever received for my properties, so that day I requested detailed records of the alleged wire transfers from Mr. Cooper ( and confirmation that Mr. Cooper paid the late fees without drawing them from my account, as the delinquency is Mr. Cooper 's fault ). I also spoke with customer service on XXXX and was assured that an error in the address associated with my account ( not caused by me ) might explain the delinquency, but that at the time of payment on XX/XX/XXXX Mr. Cooper had corrected that error and remitted payment in connection with the correct address. On XXXX I received an acknowledgement letter from Mr. Cooper indicating that " If our Tax Department determines that the property taxes are due/delinquent, they will disburse the funds accordingly. '' This vague response is concerning to me because I have already established with multiple parties at Mr. Cooper and the XXXX Tax Office that the taxes ARE delinquent, so it is clear that Mr. Cooper has made a mistake and are not acting promptly to resolve their mistake. 

At the time of writing, Mr. Cooper has disbursed thousands of dollars from my escrow account to an unknown beneficiary, while my property taxes remain unpaid and accruing late fees. All I have asked is that Mr. Cooper confirm the details of the disbursements, return them to my account and/or use them to pay my property taxes by the final deadline, and take responsibility for the late fees they have caused by their inaction.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One failling to deposit my direct deposit from my employer. Capital one had cited technical issues, only a day after there were problems. EFTA may be violated as it requires timely access to funds. This situation raises concerns about consumer protection laws. This is to ensure that my rights are being upheld. Thanks you.