23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX and TransUnion regarding incorrect information on my credit report. I have not received a response regarding incorrect information on my credit report being removed. I has been well over 40 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, my iPhone was stolen from me while I was in New York City. I quickly learned from my credit card companies that the individual ( XXXX ) gained access to my phone contents, which included my bank/brokerage accounts. To confirm transactions across my asset accounts, I looked into my XXXX XXXX checking account and saw that there were transactions listed from Coinbase. The XXXX XXXX transactions listed showed that my XXXX XXXX account stopped the transactions ( showing a withdraw but also a deposit back into my account ). As any person would, I quickly logged into my second checking account at XXXX XXXX XXXX XXXX ( XXXX ) to find no charges on my account. Regardless, I changed my password for XXXX. Several days later, specifically on Monday XX/XX/XXXX, two days after realizing several of my accounts were compromised, I checked my XXXX account again to find that there were two withdraw charges, first one being {$700.00} and the second being {$4300.00} from Coinbase. I called XXXX and they told me these withdraws were initiated from my external Coinbase account. I called Coinbase and learned that the individuals used my Coinbase account which was linked to my PNCU checking account to purchase XXXX and sell it. In the process, I was told by Coinbase that the money they transferred from my XXXX checking account was sent to another " external account '' that did not belong to me after transacting the crypto currency. I did not authorize any transfer of my funds, withdrawal of my funds, any payments, ACH or ETF transactions from my bank or from my Coinbase account to another bank. Coinbase completed transactions with my funds without my instigation or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX or XXXX XXXX, I mailed a letter of dispute to Equifax, see attached letter, receipt and proof of delivery to dispute some items on the report. 
The XXXX requires that a Notice of Dispute be added to the comment section of the credit report within 30 days of receipt of the consumer dispute. This Notice of Dispute was NOT ENTERED within the 30 days of receipt as required by law for the XXXX XXXX XXXX account ending in # XXXX on my credit report ( for all the disputes ) and as such is a VIOLATION of Section XXXX. This item MUST BE DELETED for this violation of section XXXX. 
Attached are : XXXX, proof of address ( XXXX  XXXX bank statement ), Initial letter of dispute, proof of mailing, proof of delivery and pages from recent credit report proof failure of Notice of Dispute.
Product: Debt collection

I've sent two letters ( see attached ) to Receivables Outsourcing , LLC on XX/XX/2023 and XX/XX/2023 in response to debts they allege that I owe with instruction to cease contact. I have received two calls after these dates on XX/XX/XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX XXXX  from this company 's phone number ( XXXX ) XXXX.
Product: Mortgage

My loan with XXXX XXXX XXXX was sold to SPServicing in 2013. I requested assistance with a loan modification due to a {$30000.00} dollar decrease in income resulting from the need to relocate to assist a XXXX child. I have submitted the documentation as requested repeatedly, submitted additional documentation, and when requested updated documentation due to an almost 2 year long process. To date I have not receive a modification or resolution of any kind. I initiated this process because I was having difficulty paying my monthly mortgage payment. At the outset I was only a few months behind, however over the past year and eight months since I began the process I have fallen further and further behind on mortgage. 
This company touts their caring nature and states their desire to assist in obtaining a loan modification, and prevent foreclosure, but this is not my experience with SPServicing. I do n't feel that they have acted in good faith or made any effort whatsoever to assist me although I have appealed to them in good faith. I wish to learn what recourse I have in terms of working with an agency that will truly help prevent the loss of my home and assist me in obtaining a modification that is more in line with the value of the home, a better interest rate, and a more affordable monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX is in VIOLATION of Under 15 U.S Code 168c-2. 

They are illegally purchased a debt in my name from XXXX XXXX without my permission. 

Since they are in violation of FEDERAL law this must be removed from all three credit bureaus and insist they stop the harassing calls and communications which is also in violation of FRCA laws.
Product: Credit reporting or other personal consumer reports

I had wrote to all 3 credit agencies because I am a victim of identity theft. My passport had been stolen and from there everything went down hill. Someone had start filing for state benefits in my name, tried to free school money in name, I have not even been able to get my taxes back in 4 years. At first I thought how bad could this get? I could have never been more wrong. I watched videos and read about what you needed to do because all these credit agencies want XXXX to help you. Well if your credit is bad because of identity theft where do they think your going to have that? And I typed letters up and printed 4 out one for the company and one to send to each credit agency for the dispute. I sent the letters out on XX/XX/year> and never heard anything back from Equifax until XX/XX/year> and in two separate envelopes I got that received my dispute in the first and here what to expect next. And then in the second one that my all the documents were illegible. Everything was typed and they were illegible that received them and told me what to expect next. XXXX received and I recieved results back by XX/XX/XXXX. I had disputed hard inquiries that were made while I was in the hospital, or when I had my daughter. I told them which were mine. I told them which addresses on there were not mine. And yet I still have a collections on my account which is not mine. The current student loans on the account the account are mine. And somehow, I applied for a credit card one and was so happy when I got it and then it was charged off. And I don't even know how! I have been trying to apply for business loans and business credit to get my business off the ground with absolutely XXXX luck. And this is horrible. Because the two that I applied for go off equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting a incorrect balance from a defaulted card loan thru XXXX XXXX. The car was sold in XX/XX/2018. The deficiency letter was never mailed to me from XXXX XXXX. but I have definitive proof via my XXXX XXXX report that the vehicle was sold. I have a partial account number. XXXX. I'm asking that balance be updated the same as XXXX and XXXX have already done. my Ssn is XXXX
Product: Debt collection

Credit Resource Management is reporting on my CR with a " debt '' that state is owed by me, natural person. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Resource Management or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Resource Management. I have yet to witness a " wet ink '' signature between myself and Credit Resource Management nor have I ever received a True Bill in commerce in regards to this account. There is NO valid contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian many, many times. I can not access my dispute center online. I keep getting a pop up that says We're having technical difficulties. I called and got a representative that said her name was XXXX. It was difficult to understand her. The representative got and attitude, interrupting me. Angry that I would question anything. I simply wanted to make sure that the information was correct. I have the conversation recorded. After I disputed with her on XX/XX/XXXX I tried to upload supporting documents and it wouldn't let me upload. I'm not the only person who has had trouble. I decided to mail the documents which I did on today 's date, XX/XX/XXXX. I ask them to fix it over and over for about a month now. They say they'll fix it and they don't. I submitted my disputes on the phone with her on XX/XX/XXXX. Today, 2 days later, it is completed. I couldn't access online and I couldn't upload so what else can I do except mail it. The expected completion dates are XX/XX/XXXX but she used her position of authority over my credit report and gave me only two days instead of XX/XX/XXXX. She's retaliated because I kept asking questions. She appeared to be someone she thinks of herself as never making a mistake and if you question her, this is what happens. She's using my information as a weapon against me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my TransUnion, XXXX, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : Experian, XXXX and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.
Product: Mortgage

{$220.00} has being stolen from my mortgage payment twice by TIAA. During XX/XX/XXXX there was a hurricane in Texas. My home didnt experience any flooding, however, my homeowners insurance premium doubled. It took me several months to find new, reasonably priced, insurance. During this time, I had a lapse in home insurance of one month. My mortgage company at the time, XXXX, purchased insurance on my behalf and charged me {$220.00}. I didnt have an escrow account associated with my mortgage at the time. The {$220.00} insurance payment appeared on my XXXX statement as a - {$220.00} escrow balance. The loan was purchased by TIAA in XX/XX/XXXX. TIAA applied {$220.00} of my principle payment toward the - {$220.00} in XX/XX/XXXX. I provided documentation that I didnt owe {$220.00} for escrow and TIAA reapplied the {$220.00} back toward the principle and the - {$220.00} escrow amount appeared again on the mortgage statement. In XX/XX/XXXX they took {$220.00} from my principle payment again. This time they are refusing to replace the misappropriated payment toward the principle essentially stealing {$220.00} from my mortgage payment. I have requested corrective action several times to no avail. This may not seem to be allot of money, but my husband and I work very hard to pay our mortgage on time and it is unacceptable for any portion of our payments to be stolen from it. Please help us resolve this issue once and for all.
Product: Credit reporting

TransUnion is reporting an account with XXXX XXXX twice and both are showing charged off with a balance. There was only XXXX account and I have spoken to several people at XXXX XXXX about this issue. XXXX XXXX indicated there was just XXXX and there was no balance because it was an account they were given from a different company. The letter that I received from XXXX XXXX and forwarded to all three bureaus shows there is no money owed along with a contact person 's name phone number. I do n't understand why TransUnion continues to report it twice and with a balance.
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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent. 
Type this out exactly in this box of you want to input your info and remove instructional verbiage
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a identity theft report twice to XXXX, XXXX, and Transunion and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.
Product: Credit card

On XX/XX/XXXX I received a notice from Bank of America that the credit line on my BOA XXXX card had been reduced from {$29000.00} to {$20000.00}. The primary reason stated for this decision was a late payment the previous month that resulted from a clerical error on my part ( I scheduled an online payment for XX/XX/XXXX instead of XX/XX/XXXX ), which I corrected as soon as I was made aware of it ( XX/XX/XXXX, XXXX day before their decision ) by paying the entire current and past due balance plus an additional sum. 

I called BOA 's customer service line on XX/XX/XXXX, and after spending 40 minutes on hold, spoke with a representative named XXXX who forwarded me to a representative named XXXX XXXX. XXXX offered to submit a " reconsideration '' on my behalf, which was denied, due in part to a " recent line reduction or cancellation of a BOA account '' ( the account in question is the only one I hold with BOA, so in essence the request was denied based on the very action that I was disputing ) .I was ultimately transferred to another representative named XXXX XXXX who resubmitted the same request, and informed me that it had again been denied. 

In sum, BOA reduced the credit line on a longstanding account ( active since XXXX ) by nearly one-third without any prior notification, based on a clear clerical error of which I had not been notified, exactly one day after I corrected the error and rendered payment in full. I subsequently contacted the company to attempt resolution, spoke to three different representatives, made two separate reconsideration requests, and was denied each time.
Product: Money transfer, virtual currency, or money service

I used TransferWise 's services with no problems for a few months. From XXXX or XX/XX/XXXX, my transfers began getting cancelled. 

Initially, the company was unable to explain why although eventually they decided it was a verification problem. I submitted my documents and pictures of my face multiple occasions in order to try to resolve this issue. In good faith, I called what must have been 10 or more times to their customer service but the issue was never resolved. As of XX/XX/XXXX, this issue still isn't resolved. 

I tried to withdraw my standing balance of {$130.00} but TransferWise are blocking this withdrawal and are aiming to retain the funds. They continually send me through the same customer service loop but refuse ultimately to verify my documents or explain how this matter can be resolved. 

This has been going on for 9 months and my money is just simply stuck in this company.
Product: Credit reporting

I want remarks from XXXX XXXX XXXX XXXX to be removed from my Eqifax credit report because it is well over 20 year a old & should no longer appear there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has XXXX collections from XXXX XXXX {$610.00} {$2300.00} Experian has XXXX collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit 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 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: Checking or savings account

I opened an account with First TN Bank on XX/XX/2018 but after two months we attempted to contact the bank about why we hadn't received our statements. It turned out someone else 's address was listed as ours- someplace we had never even lived and our statements had been sent to them. We requested our statements and an investigation- we received neither. At that time it was XX/XX/XXXX and we were still living at XXXX XXXX XXXX XXXX in XXXX TN XXXX. We moved on XX/XX/XXXX to our current address and updated our address with the bank via a branch location in XXXX TN and with the post office. Almost immediately we began receiving advertisements, addressed to us, at our new address from the bank but still no statements. After several calls with the bank in early XXXX, including having to deal with XXXX using only incomplete online info as they STILL had not sent a statement I requested our statements. We receive large payments every couple of months and were concerned when there were regular unauthorized payments and account discrepancies. We received a XXXX statement and were assured the rest were on their way. I did not receive another statement until XXXX and now they come mostly regularly as we still have not received one for XXXX. We pay for our statements but due to our regular direct deposits the fee is waived but the bank seems to have decided to withhold our statements as they have demanded we now pay for paper statements, we are supposed to be receiving monthly as part of our XXXX account fee that is waived - along with our statement fee as we meet the direct deposit requirements. We are concerned a bank employee is making unauthorized access to our accounts and know the online info is not accurate as transactions are the wrong amounts- we verified with vendors wat they DID receive and some things are just missing. The bank is making every attempt to impede us even getting our monthly statements and I had already paid extra to get them once and never received them so I do not wish to again.