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

Shortly after filing a dispute on my credit report with TransUnion ( https : //service.transunion.com ), my account access was suspended. 

The suspension was supposedly temporarily. However, it has been almost three weeks and each I log into my account, it flashes my dashboard but then routes another screen which tells my account is suspended. It then provides a phone number to call for Website Access Support, ( XXXX ) XXXX. 

When I call the number, however, after it going through a few automated voice prompts, it tells me to hold for an agent. Then within 2 seconds the call hangs up. 

I have tried to call at least a half dozen times, and nothing works to get through to a human being. 

These people are ruining my credit and don't want to fix it.
Product: Debt collection

I noticed on my credit report that there was a strange addition of negative information, so I called the company listed. They identified themselves as BC Services upon my phone call on XX/XX/XXXX. I asked what the debt was that they were reporting and they claimed to have called my number in XX/XX/XXXX. I have no record of contact at that time, nor do I remember speaking to any debt collector. I asked to speak with a supervisor and the supervisor was aggressive. I told him that I would need further verification of the debt so I can make an informed decision as a consumer. I told him I would be sending a letter requesting more information and his reply was that " I do not need to send a letter ... I can verify whatever you need over the phone. '' I proceeded to send the letter anyways so I could get the information I needed in writing. Today, XX/XX/XXXX I received a letter in response which was XXXX pages ( attached ) that tell me have no basis to verify both the debt, nor the information needed to verify BC Services right to collect on this debt. Their letter also indicated " Enclosed are the statements provided by our client that confirm the charges ; '' however, the letter did not include any statements. They only list that the charge is from XXXX XXXX and each of the XXXX pages indicates a different dollar amount. I feel that the creditor is trying to collect on a debt they do not have a legal right to collect on, based on the avoidance of submitting to me proof that they currently hold the debt and they have a legal right to collect on the creditor 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX has reported an account on my credit report, but I have no contractual obligations with XXXX XXXX or XXXX  XXXX. Please remove this account due to no contractual obligation with these companies.
Product: Credit reporting or other personal consumer reports

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Product: Credit card or prepaid card

Hello I'm having a hard time getting bofa to replace my edd funds which were stolen from me I applied for edd back in XX/XX/2020 and I never heard from them again so I thought I was not approved well come to find out someone stole and activated my debit card out of my mailbox they took over my account and now I keep having my claim denied and it's says reason for denial is there is no posting errors whatever that means please help I'm really going thru alot with them its been months now back and forth thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I had money withheld from me yesterday ( XXXX ). I was given a letter to call the Atty generals office. I called the office. The person I spoke to said their office was not handeling that debt but she was able to see it. I explained to her that I was confused becuase I was never sent a letter for this debt. She said it was just received on XX/XX/year>. She gave me the information for Reliant Capital Solutions and she advised to call them. 
I called Reliant Capital Solutions. I explained that I did not understand why they would withhold funds coming to me when I have never received a letter of notification or to despute. I explained that the Atty Generals office stated it was just received XXXX. Per the Atty Generals office, I should have been notified by mail of the debt. 
I was told by the person I was speaking to that he was not in charge of this account and would transfer me to the person handeling the account but he was gone for the day. 
I explain that I did not understand how I was never notified or was never able to dispute but money is being held. The man said there was a note in the system that I was left messages. When he told me the phone number, I had never heard of it before. He also said I was sent an email on XXXX ( which I never received ). When I asked him to verify the email, I was told it was a note and it was not listed. 
So, Basically, they just received this student loan debt in the last 30 days, never contacted me by mail for validation or disbute, and illegally held funds.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over XXXX days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I purchased a vehicle from DT ( drive time ) ( used XX/XX/XXXX XXXX ). XX/XX/XXXX is the first alleged missed payment. I was harassed and called on my cell phone, work phone, and relatives phones in regards to the debt owed. I was called at inconvenient times and often times the contact was rude and disrespectful. The collection practices unconscionable. 

The car was repossessed in XX/XX/XXXX and sold in XX/XX/XXXX ; DT continued to contact me and unconscionable manners. My credit report says the vehicle was sold in XX/XX/XXXX. DT has consistently and for years, incorrectly reported my balance, payment dates/amounts, they also illegally reposed my vehicle. They are reporting that the vehicle sold on a incorrect date, reporting incorrect payment history, and they are impacting the worthiness of my credit.
Product: Credit reporting or other personal consumer reports

I want to file a lawsuit against transunion for Illegal practices, they hide all credit reports and scores behind a {$30.00} paywall, and Inaccurately processed numerous amounts of my credit reports.every score is accurate except for transunion, you dont have access to anything regarding your credit score or report unless you pay, they have been damaging and inaccurately been reporting my credit score and Ive had enough, if you cant help me in finding legal action I will find it myself and keep this conversation noted for my records, this is unacceptable my credit score is reported XXXX points lower then what I actually get to see which will always put me in a position of denials when I think my score it up to par. And I have no delequencies on my account!! I personally had enough of transunion shady activities. You guys need to do something. 

Also XXXX XXXX is supposed to be accurate, They need to explain why my score is XXXX there but when I got denied all of a sudden my score is XXXX on transunion end??? NO they have to pay for the inaccuracies. This effects my livelihood.
Product: Vehicle loan or lease

A previous complaint has been filed with regard to our paying off our car loan with Volkswagen Credit. The complaint number is XXXX. We received a check via XXXX XXXX on XX/XX/XXXX for the car payment they took from our account, a month after the loan was paid off. 

Due to Volkswagen Credit 's error going back to XXXX with not updating our record to show that our car loan was paid off on XX/XX/XXXX ( we have the pay-off letter from Volkswagen Credit with this date ), our refund for our extended warranty coverage from XXXX XXXX was mailed on XX/XX/XXXX to Volkswagen Credit as it appeared we still owed money to Volkswagen Credit. On XX/XX/XXXX, we initially contacted VW Credit asking about the warranty refund, and we were immediately told we needed to contact the dealership. The representative did not check our account to see they had the money since XX/XX/XXXX. VW Credit said that we needed to call the dealership, which we did. On XX/XX/XXXX, the dealership informed us that the check was mailed to VW on XX/XX/XXXX, and not to us because of VW 's incorrect records. We called VW again on XX/XX/XXXX, and was told our request to get the check would be expedited. Later that day, we learned through a voicemail that expedited means they will USPS mail out a check on XX/XX/XXXX. On XX/XX/XXXX, we called VW Credit again and said we don't believe that it is unacceptable that " expedited '' means another 10 day wait until the check is mailed out, especially considering today 's USPS service level ( evidenced by a check being mailed out by the dealership on XX/XX/XXXX and not posted until XX/XX/XXXX ). 

This check would have come directly to us if VW Credit 's processes worked. Now they tell us their process is to wait until XX/XX/XXXX to even mail us a check. Their broken process is the reason we are waiting for our money. VW Credit should never even have processed the warranty refund check in the first place once they realized nothing was owed on our account. Since they did process it, they should expedite a check to us via XXXX XXXX as soon as the check has cleared the bank, and the check they say they posted on XX/XX/XXXX will clear much sooner than XX/XX/XXXX. Again, they explained this is their process. Their process is so broken. No customer should have to wait for over a month ( XX/XX/XXXX to whenever we receive the check ) for money that should have been mailed directly to us.
Product: Debt collection

This occurs daily. 
The company " Harris and Harris Ltd ' calls at least once a day, stating that they are debt collectors, trying to recover debt. 
so you press one, to talk to them, and the first question they ask, is, 'what number are you calling from '. So I asked them, you called me. Then they say, 'they need the number to identify, who you are '. If they were calling me, they should know what number, called me. 
If I have to say my number. then they, can keep calling. 
This has been going, on, and on, for months. 
Even if you block their number they still get thru. 
They always hang up on you. 
They need to be stopped!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a report with XXXX  and XXXX  on two accounts they are reporting on XXXX and Gateway Mortgage both accounts are Fraud. I send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.
Product: Bank account or service

My bank charged me 5 {$35.00} fees for a total of {$130.00}. I made a deposit on XXXX at a branch and they did not post the transaction until the night of XXXX. On XXXX, my mortgage payment was processed bring the " available '' balance to below {$0.00}, even though my ledger balances was over {$2000.00}. Instead of charging me the fee on just the mortgage payment of {$4000.00} they charge me an individual fee of {$35.00} on every transaction pending.
Product: Credit card or prepaid card

I communicated with Bank of America via certified mail on XXXXXXXXXXXX XXXX,2023 Bank of America did not responded on timely manner within 7 business days Attached find letter and documents sent to bank Referring to account, account number ending in XXXX Bank of America letter dated XXXXXXXX XXXX,2023 Bank of America copy of letter As per your letter dated XXXX XXXX,2023, referring to credit card number ending in XXXX Payments from XXXX XXXXXXXX XXXX account ending in XXXX .Find enclose letter I never had an account at XXXX XXXXXXXX XXXX ending in XXXX, find enclose. 


No payments, fraud payments about account XXXX, Im requesting a cancellation letter for account ending in XXXX No payments made never had account at XXXXXXXX XXXX XXXX thank you XXXX XXXX
Product: Debt collection

It looks this DEBT COLLECTOR company CAPITAL MANAGMENT SERVICES, LP Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to XXXX XXXX Its been disputed, XXXX XXXX in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If XXXX XXXX  did n't know in XX/XX/XXXXwhy they still market this Alleged debt with another Debt collector company, I believe now XXXX XXXX has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with XXXX XXXX for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.
Product: Money transfer, virtual currency, or money service

Was never aware that recovering lost funds would not be granted. From the many yrs of using sell this has happend numerous times.
Product: Credit reporting

I have attempted to call transition credit bureau @ XXXX. I was talking to him regarding some information listed on my credit report, such as my DOB is XX/XX/XXXX not XX/XX/XXXX as well as the address listed as XXXX XXXX XXXX , XXXX Ga XXXX is not my address, I have never lived in Georgia. However, my ex husband XXXX XXXX XXXX does live in XXXX Ga. I fear that he may be attempting to use my credit to further his and I need assistance to make sure that is not occurring. However, each person I talked to spoke with XXXX english and I could not understand them. So in the end that was of " NO '' help at all, simply a waste of my time. It seems the call center for Transunion is XXXX. I was transferred XXXX times to " another supervisor '' who spoke with XXXX english
Product: Debt collection

Back in XXXX I had XXXX XXXXXXXX under my name at an address. I ended up falling on hard times and needed to move back in with family. The bill went to collections. The Original Balance was {$1700.00}. CDI is providing inaccurate information that the bill is {$2300.00}. This IS inaccurate. On XX/XX/ I contacted XXXX XXXXXXXX to discuss getting new service in my name which the agent told me i had the balance of {$1700.00} Past due and i paid that IN full to clear it up. CDI is not the original contract holder, I do not owe them, I have paid the FULL balance with XXXX XXXXXXXX and this is closed and should not be reporting with any balance as its now {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my XXXX XXXX Account since XX/XX/XXXX. My account with XXXX/XXXX  XXXX has always been paid on time. I paid it automatically electronically, and then at some point in late XXXX, XXXX and XXXX XXXX  converted some accounts over to XXXX XXXX. XXXX XXXX subsequently canceled my automatic payments, without my knowledge or permission, and without proper notification to me. 

Allegedly, XXXX XXXX is making claims that they did mail out notice, however, I have never received anything from them with regards to any changes until well after-the-fact. Had XXXX XXXX not canceled my regularly scheduled auto-billing which had been in place since XX/XX/XXXX, the account would have been paid on-time just like the 79 ( now 84-months prior ) ; If XXXX  XXXX would have legitimately made " verifiable '' contact with me, through any of the multiple contact methods they have on file from other past/present account relationships ( i.e., text/mobile notification, email, phone call, or traceable mailing methods ) to secure that the vital information was received " timely '', the newly transitioned account, converted from XXXX XXXX XXXX  -to-XXXX/XXXX  XXXX, would have been paid on time. 

Please correct this error, by removing this adverse information that has been reported to the credit bureaus. 

Thank you, XXXX Please also see the attachments included.
Product: Credit reporting or other personal consumer reports

" I am requesting proof of the previous investigation. I'm asking that you send your method of method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Product: Credit card or prepaid card

i had 4 separate credit card accounts from Barclays bank, and on XX/XX/19 they closed all accounts. i have not been able to get a proper explanation from them other than " history of account usage ''. 
furthermore on my arrivals plus card i have XXXX miles and they wont let me redeem it
Product: Credit reporting

I requested credit line increase and they did not notify me of the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have noticed that I have several inquiries from creditors that I have not applied for or given permission to pull my credit. I have no knowledge of ever applying for credit from any of these creditors or financial institutions listed below. 


XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX  - Inquiry date XXXX XXXX - Inquiry date XXXX XXXX XXXX - Inquiry date XXXX XXXX - Inquiry date XXXX I have contacted the creditors and they have instructed me to file a complaint.
Product: Debt collection

Creditor Information amount {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX is acting as if they are the police in Maryland on filing a police report in which maryland only allows for fraud to be filed online. the maryland police department does not come to make a report for my type of case its only online
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife & I had 2 of our homes destroyed in Hurricane Harvey and we both had to take off of work multiple weeks in order to assess the damage and figure out where to go from there. Consequently, we contacted Upstart to ask for a loan extension to move the next 2 payments to the end of our loan. Upstart has offered this service to victims of the California wildfires, but were callous when offering something to Harvey victims. They agreed to reduce our next 2 payments to ~$180/month (from $XXXX), but then our remaining payments would be $XXXX, which didn’t make sense when factoring out how much more we would be paying. Upstart also explicitly stated that these two payments WOULD NOT BE REPORTED AS LATE ON OUR CREDIT. However, Upstart began reporting late payments that same month and everything went down hill from there. The reporting of our payments are incorrect, one payment is missing entirely, we currently show as being 90 days past due two separate times now, etc etc. I was quite furious about this matter, so I acted accordingly and created multiple social media accounts & a website that gained traction rather quickly. I was subsequently contacted by an Upstart attorney who then offered me $XXXX to settle the social media & website matter and to turn over all websites and media accounts to Upstart; I agreed with a couple caveats - the main caveat being that they must follow up on our account and correct the multiple erroneous late payments on our account. However, I was never contacted again about our credit report and had to initiate contact with their attorney again before getting any response, but still nothing was done. Because of their errors and egregious inaction, this has destroyed our once perfect credit and has cost us thousands of dollars in additional interest paid in new credit accounts; We have also had 2 credit card accounts cancelled because of these ridiculous errors, which collectively had over $32,000 in available credit at the time of closing. I have recorded calls, emails, and a legally binding contract that all corroborate what I’m stating in this complaint.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im completely at a loss as to why theyre there. I check my credit report regularly, and everything was fine until now, but suddenly, there are errors I cant explain. I even tried refreshing my browser, thinking it might just be a technical issue, but the inaccuracies remained. Im pleading for the documents Ive sent to be reviewed carefully so I can finally have peace of mind about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. Equifax and XXXX  are also reporting that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have great credit XXXX XXXX refuses to give me a loan why Race?