23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I need to gain access to the free Transunion site to update my contact information and also release a credit freeze. Over 5 days, from XX/XX/year>- XX/XX/year>, I first attempted to access the website and then called their customer service number for assistance. 

In the 1st call, after sitting on hold for over 30 minutes, I was told that they updated my email address and that I would receive an email with further instructions from them. I did not receive a follow up email.

In the 2nd call, I sat on hold for 10-15 minutes, an auto-attendant then announced that they were closed for the day, and I was disconnected.

In the 3rd call, I sat on hold for over 30 minutes, was told that my email was already updated, and that I would not be able to access the website for another 48 hours due to maintenance. I was told that they were not allowed to correct my phone number. After much perseverance, they unlocked my freeze. However, I still can not access the website to verify correct updates and perform other tasks. I escalated to a supervisor who put me on hold and then disconnected.

At this time, I have spent about 2.0 hours to attempt to update my information and gain access to the website to review reports, etc. I am unable to access the information, and Transunion has placed barriers to accomplishing these tasks at every step of the way.
Product: Debt collection

Phone calls from this number - XXXX, which is a scam number stating that extended family members have debt and that I am implicated. Most recent call and voicemail received on XX/XX/18 at XXXX.
Product: Debt collection

Bank of America. I settled a credit card debt with a debt collector ( XXXX XXXX XXXX XXXX ) working for BOA on XX/XX/2020. I paid via XXXX - {$1000.00} and a second for {$790.00}. I need a tax form ( XXXX ) - forgiven amount of $ XXXX from BOA for the settlement account. I have been in contact with Bank of America ; however, I can not get information about the tax forms.
Product: Credit card or prepaid card

I received a gift card ( Visa Vanilla Gift Card Issued by XXXX XXXX XXXX as a gift and the card was fraudulently used. I approached the company to file a complaint I was told I had to go to the merchant, I spent my time going to the merchant in which the card was fraudulently used at and they refunded the money. I then went to use the card in another attempt and the card had already been used again. The bank is now refusing to help and refund the money again. I have requested a refund and a new account number and been denied even though the current one has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto company XXXX XXXX XXXX is showing me 180 to 190 days past due on my XXXX  loan theyre showing XXXX XXXX XXXX all to be 180 days late I have it set up on auto pay from my bank to pay the loan.its due on the XXXX of the month I pay it on the first of the month every month it is not late and its killing my credit report.back in Covid when it was really heavy on my job I was injured so the company said they will not charge late fees and they put the Covid months on the end of my note supposedly so when I got back on my feet and I started making my car payments again I thought I was making for the month I was in apparently Im not there showing it past due XXXX I paid it on the first theyre saying Im late the same for XXXX XXXX Ive been paying two weeks early on my car loan for since XXXX my car payment for XXXX a month I pay XXXX a month I dont know what to do they wont fix the problem on my credit report and every time I asked credit reporting bureaus to dispute this and check it about two days later they say they have reached a decision and it has been updated so I just dont know what to do
Product: Money transfer, virtual currency, or money service

I contacted Coinbase because I noticed my funds had been transferred out of my account on XX/XX/year>. 
Coinbase support told me that the funds from my XXXX account had been transferred to an external account and my XXXX had been sold. 
I informed them that I did not authorize any transactions and no funds had been transferred to any of my accounts. 
Coinbase has a record of the transactions but told me they are not responsible for any accounts that have been compromised and they will not be refunding my money or sale of XXXXXXXX XXXX 
I have filed a report with the FTC, the XXXX and the FBI. 
I can not see why a company like Coinbase can allow transfer of funds in and out of their financial institution but accept no responsibility for lost or stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and XXXX XXXX it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the XXXX involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX from all 3 credit companies, XXXX, Equifax, XXXX. and noticed there is collections and inquiries and accounts that DONT BELONG TO ME. they even had my personal information wrong. I am currently facing challenges in disputing several accounts that have inaccurately appeared on my credit report, negatively impacting my credit score. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Some accounts dont even show up with the full information on them. and some show on some companies and some don't. By law consumers reports must be 100 % accurate not 99 % or 99.9 % but 100 %. Some accounts show up as late that dont even belong to me and are impacting my credit score. I called the collection agencies and requested a CONTRACT with my OWN signature to prove I AM LIABLE FOR THIS DEBT WITH THEM and they didn't provide one and BY LAW I should get one that shows I am LIABLE for this debt. 

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: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019there was a hard inquiry on my Transunion credit score from XXXX  XXXX XXXX XXXX XXXX. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/2019. I called the phone number that came with the hard inquiry from XXXX XXXX. The lady there told me to call Transunion. So, I proceeded to call Transunion. The lady there explained the deletion process. I was to call XXXX XXXX back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to Transunion : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call XXXX XXXX  back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between Transunion & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call Transunion. So, one more time I call Transunion. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call XXXX XXXX. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Debt collection

On XXXX XXXX, XXXX, I picked up mail from an address from a location I had not used as a mailing address in 3 years. It was two pieces of uncertified US mail from Linebarger Goggan Blair & Sampson, LLP,  dated XXXX XXXX and XXXX XXXX, XXXX, claiming that someone with my first name and last name, but a similarly, but not correctly spelled middle name owes XXXX XXXX {$320.00} for an unnamed fee, charge, or fine. It goes on to inform me that " The Texas Legislature recently enacted laws that provide additional means by which such obligations may be collected, beyond the issuance of a warrant. To avoid any and all potential effects of the pending charge, timely payment is required. ". During my research, I have found many others, that have expressed similar issues from this firm. In addition, the case number, " XXXX '' turned up no results in either county records or a general XXXX search. In addition, many people have reported spam phone calls originating from the phone number the letter says to call ( XXXX ).
Product: Debt collection

To dismiss the unjust Bill of {$84.00} for XXXX who gouged and harassed me with calls and slowing down data on my phone when bills have been timely paid. The worst was during hurricane Ida no power no water and NO PHONE because XXXX made another error on my Bill. This one had something to do with the password. I have several XXXX and challenges. It has been challenging to speak with someone competent or with patience to correct the many errors of this line. Several times a representative was incredibly difficult to understand, but they were kind regarding my challenges. However, their response was incomprehensible. 
I have Drs. Therapist and advocates who were quite aware and kept advising me to resolve this. 
Finally, my Dr. took the time out to switch my phone from XXXX to Consumer Cellular which cost less than half of what XXXX. 
I do not owe this amount or any other amount. 
I apologize for the lengthiness, its been awful. 
It would be more than fair for them to drop this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my file with Early Warning Services, I asked them to validate debt they claim that I owe and they have failed to do so legally. According to 15 U.S.C 1692g Early Warning Services does not have the power to validate debt and has since failed to supply me with the 5 things that constitute validation of debt. The proof they sent is not validation but an allegation that I as the consumer do not agree to. There is no way they can say I owe a debt or furnish information about me that states that I owe a debt because they do not possess the power according to law to do so. They have committed fraud because they have obtained my information from companies that I did not give consent to, to share my personal information. They have since committed 5 violations of United States federal law and owes me {$1000.00} per each violation, totaling {$5000.00}. I have been disputing with them since XX/XX/2021 and they have failed to send me a valid letter of validation according to the statutes of the law, in the form of a contract written by to them stating : 1. Full disclosure 2. Equal Consideration 3. Lawful terms and conditions 4. Signature of both parties According to 15 U.S.C 1602 ( I ), they have become fraudulent when they furnished a deceptive form ( 15 U.S.C 1692 ) to create the false belief in the natural person ( me ) that I owe an alleged debt when it was in fact a consumer credit transaction.
Product: Credit reporting or other personal consumer reports

Possession on this debt for my review XXXX. XXXX From my understanding, the law allows me to ask for information regarding this debt. Please send me all documentation in your possession on this debt for my review. 
I also would like to see documentation with my signature that shows I am doing business with AFNI with my signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX on XXXX XXXX I sent a certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. On XX/XX/2020 I sent another certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. It has now been over 100 days since Transunion received the first dispute They are in violation of the Fair Credit Reporting Act as they are required to response to any and all disputes within 30 days
Product: Checking or savings account

On XX/XX/XXXX I transferred {$50000.00} to Ally Bank to take advantage of a account Bonus promotion. The promotion was deposit NEW money into your Ally account and receive a 1 % Bonus up to {$500.00}. My bank transferred the {$50000.00} on XX/XX/XXXX and Ally received it on XX/XX/XXXX. I know this because I called Ally on XX/XX/XXXX to verify they had received the money on XXXX since it was the last day of the promotion. The Ally employee told me they had the {$50000.00} and it was pending. I asked if the fact that it said pending meant they actually had the money and that it did qualify for the promotion and the 1 % Bonus. The Ally employee assured me that it qualified for the Bonus. The money had to remain untouched until XX/XX/XXXX when it qualified for the Bonus, which would then be deposited into my Ally account on XX/XX/XXXX. I noted this in my calendar and called on XX/XX/XXXX to verify the deposit of {$500.00}. I was told that I would not receive the Bonus because the money was not deposited until XX/XX/XXXX. Ally said they had an internal note placed in my account in XX/XX/XXXX advising I was not eligible for the Bonus, but that info was not sent to me. I spoke with a supervisor on XX/XX/XXXX and filed a case regarding this matter. I was told a few days I would get a response. I have called a total of XXXX  times and have been told 3-7 days, 7 business days, 14 business days, give it another week and now have been told that there are SO many complaints regarding NOT receiving the Bonus that the department can't get to answering all the outstanding cases. Online there are groups of people writing about the problems they are having with Ally Bank regarding NOT RECEIVING their 1 % bonus. This situation is unacceptable and during these 2 months of waiting for a resolution to my case and the payment of my {$500.00} they are also holding my LARGE sum of money. PLEASE intervene and help. Thank You
Product: Checking or savings account

On XX/XX/XXXX I found that {$330.00} had been taken out of my Huntington Bank Checking Account opened at the XXXX XXXX in XXXX Michigan, without my permission. Customer representatives at the XXXX XXXX are investigating and will get back to me. I researched and called Huntington Bank Corporate office in XXXX Ohio, explained unauthorized {$330.00} debited from my checking account. I have no credit card, mortgage or loan account with Huntington. My safety deposit fee is {$77.00} annually. Mr. XXXX a Corporate Executive received my voicemail. I was contacted by Ms. XXXX XXXX, who informed me that she was assigned to find out who and why Huntington Bank took the {$330.00} from my checking account. Weeks later Ms. XXXX told me she sent a letter USPS explaining what happened. Her explanation was that I had 4 years of unpaid safety deposit fees owed to Huntington. I was  assigned a safety deposit box in XXXX. I paid the year 1 rental fee or would not have received the 2 keys.I have not received any letter from Ms. XXXX XXXX, however I did a screenshot of her voice message and I have found 1 check that shows safety deposit payment. I am a Senior, who is tech savvy. I want my {$330.00} placed back into my checking account. My savings account with Huntington as of XX/XX/XXXX has the correct balance. My IRA with Huntington is FIDIC and SIPC insured and as of XX/XX/XXXX has the correct mutual fund shares and correct balance. I now moniter my Huntinton Accounts Weekly.! I can upload a copy of the check for {$77.00} and a screen shot of the voicemail from Ms. XXXX XXXX Corporate Huntington Executive.
Product: Mortgage

XX/XX/XXXX. Rocket Mortgage employees or website again harassment for mortgage payment. I have mortgage payment for room payment. Because Rocket Mortgage refused to investigate theft of payment for mortgage and property taxes escrow. The VA Military Loan threat of foreclosure from XXXX XXXX. From XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXX XXXX Entering my property without my contact permission and taking my property assets from inside my house. The first breakiing entering robberies XX/XX/XXXX. I told XXXX XXXX XXXX police department. Then called Rocket Mortgage I described the monies I was made to pay to XXXX XXXXXXXX XXXX  through XXXX party. Their property tax XXXX XXXX set up. I explained to Rocket Mortgage this information again XX/XX/XXXX. Again please help me. I need the money for room payment. The mortgage company refuses to hear me and the XXXX XXXXXXXX XXXX XXXX and XXXX XXXX refuse to interfere. Because XXXX XXXX XXXXXXXX XXXX  Church officials. I told Military I don't know XXXX XXXX XXXX is doing and they didn't help me get my loan nor provide assistance with the PriXXXX XXXX XXXX XXXX gave loan according to my qualifications. Rocket Mortgage is the company I was told to pay. That's it I'm in XXXX and I have moved so often I have to call the VA because they don't know what these people are using my benefits for. I hardly get to use my retirement benefits for my own life. And I told your XXXX XXXX this XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this to be fraud I have not applied for anything
Product: Money transfer, virtual currency, or money service

Years ago I began receiving a dividend check from household international, then they merged with hsbc and the dividend checks continued with no issues. This month ( XX/XX/2024 ) they notified me they would no longer send checks and I must contact them to provide direct deposit information. This written notification has no signature, a www that didn't work and a phone number that didn't work. I made every attempt to get this resolved and spoke with XXXX  XXXX people ( including XXXX XXXX XXXX a customer service manager. who also didn't help ) I finally spoke to a person at computershare and was sent to an alternate www. 
Today I received an email from computershare stating that they will charge a fee to deposit a {$4.00} dividend. This is wrong! 
There was no mention of a fee in the notification. There was never a fees when they were sending checks. I expect hsbc to use the info i provided and deposit the dividend into my account now and every time a dividend is ready for distribution. NO fee!
Product: Credit card

BARCLAYS BANK DELAWARE is posting that my account is a charge off on XXXX and XXXX. i have disputed this account as fraud. The company will not send me any information on when it was open payment history or account info. they have not provided me with anything to dispute.
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 XXXX XXXX XXXX. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 ) ( XXXX ) 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.
Product: Payday loan, title loan, or personal loan

I took a loan from this company a couple of years ago. 

Since XXXX, 2020, I have done everything I could possible do to pay off balance on this account and close out my account with this company. 

But they have continue to use clearly fraudulent and unethical business practices to waste my time and destroy my credit, just for a few dollars. 

In XXXX, 2020, I went into my account, paid off the stated account balance of {$74.00} so I dont have to deal with this company anymore. 

The following month, I realized they had posted on my credit bureaus that I still owe about {$18.00} ( after I had paid of the " pay off balance '' they had on my account ) .. 

I check my online account, and saw the {$18.00}, once again showing as my final balance. Just for peace to prevail, I went in and paid off that {$18.00} balance. 

Right now, as at XXXX, they have recorded {$1.00} on my account balance as remaining balance. And still reporting to my credit that I havent made payment since XXXX. 

This is so unethical. They are destroying my credit and frustrating my life. They still keep sending me offers to get another loan with them.
Product: Checking or savings account

I have early pay direct deposit with capital one. My paycheck wasnt deposited early. That was XX/XX/year>. The company waited till XXXX XXXX  XX/XX/year> to issue an email. 
2 days later and it still hasnt been deposited. I figured it would be paid on the regular pay date but it still isnt in. I am supposed to be paid {$900.00}. 
I am still in the dark about where my money is and when it will be deposited. 
The stress this has caused is inexcusable.