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

Transunion refused to look into this record on my file and told me to go dispute with XXXX XXXX XXXX. 

I have received a derogatory mark on my credit by Transunion onXX/XX/XXXX in a form of account in a collection filed by XX/XX/XXXXt XXXX on behalf of XXXX XXXX for {$9100.00}. 

I have filed a dispute on transunions dispute site in XX/XX/XXXX. And called them in XX/XX/XXXX. On the call Transunion refused to open an inquiry on the derogatory mark and asked me to take my dispute and evidence to the collector XXXX XXXX XXXX. 

I called XX/XX/XXXXon on XX/XX/XXXX and informed them that they have incorrectly listed a collection on my record, and that I have done my XXXX at the University of XXXX ( XXXX ) and my masters in XXXX University ( XXXX ) and have never gone to XXXX University nor have I lived there ever. In fact I have lived in XXXX all XXXX, and lived/worked in XXXX all XXXXduring the debt would have taken place. 

XXXX XXXX XXXX responded that they will look into it and someone will call me back. 

Fast forward no call back from XXXX till XXXX, so I called on XX/XX/XXXX and XXXX said please email your dispute to XXXX ( attached is a copy of the email exchange ) I explained the situation, they said they will contact the original debt issuer XXXX University, they did and responded that XXXX provided documents stating the debt. Worth noting XXXX never provided SSN # and the XX/XX/XXXX filed to Transunion with no SS # where Transunion happily reported it with no # SSN. 

I have provided XX/XX/XXXX with all the evidence that shows that I was living/working in XXXX XX/XX/XXXX all XXXX and XXXX ( attached ). Nevertheless they refused to look at my evidence and refused to remove their collection from my records. 

XXXX XXXX is finally asking me to contact XXXX University. Transunion and XXXX XXXX are refusing to look at the evidence and take this case of mistaken identity / identity theft seriously. Boh parties Transunion and XXXX collection are giving me the run around and pointing at other parties to take my dispute to when both are responsible for filing and reporting on my credit and consequently ruining my score.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX based on our review of activity with your accounts, we made the difficult decision to end our banking relationship with you. 
We sent you check XXXX in the amount of {$7400.00} via XXXX XXXX. The tracking number is XXXX. 


I CAN CONFIRM I DID NOT RECEIVE THIS CHECK. I HAVE BEEN LOOKING FOR THIS CHECK WHEN I TRACK IT. IT DONT SAY XXXX IL. CAN YOU LOCATED THE CHECK PLEASE? SOMEONE HAD TO CASH IT. I NEVER GOT IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing derogatory public record that is on my credit. On XXXX XXXX I opened a dispute report # XXXX with Experian, XXXX  and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to experian that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from Experian, XXXX  and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY XXXX AND XXXX CREDIT PROFILE FOR 2 YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.
Product: Checking or savings account

My app called XXXX  will not let me link account to save money on purchases.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to send my Nephew {$1000.00} through my Bank 's choice and promoted transfer service XXXX, having a XXXX XXXX resulting in some XXXX problems, I put the wrong last digit in the phone number. I caught it immediately, called my bank ( Bank of America ) and was transferred around several times over the next hour, only to be told I had to go to XXXX, because BofA has nothing to do with XXXX transfers - thenk to be told by XXXX that since I transferred the funds through my bank using XXXX I had to talk to them. FINALLY after over an hour, I was transferred to Bof A 's dispute department, I opened a dispute, and was told it would be 10-45 days. On the 45th day ( XX/XX/2020 ) I called BofA 's dispute customer service department and was told XXXX XXXX denied my dispute and I would not be receiving my {$1000.00} back. Now {$1000.00} is the difference of whether or not my rent is paid this month, so I am financially in despair. I sent emails to BofA 's Customer Care Exec at their Corporate Office,  her name is XXXX XXXX and getting her name took several calls to customer service, talking to 2 different supervisors since the reps answering the calls did not know who to direct me to. 
6 emails over the past 3 days and no response from this woman. I then started research on the internet and found out I'm not the first to be defrauded by XXXX using the Banks that offer XXXX XXXX  service. In addition to that, I found out that XXXX was created by the BIG BANKS i.e. Bank of America ( CEO spear headed to create it ), XXXX XXXX, XXXX XXXX, etc .... to compete with XXXX 's money transfer division. The article went on to state the banks created it because they would have the capture market of thier customers, and now they are branching out to other consumers to make the app profitable. I can not get a response from BofA, XXXX XXXX, XXXX to correct this error and transfer back my money. So I'm turning to you. I saw several more complaints on line and on XXXX response when I posted my experience there, also on the Consumer Affairs site, XXXX, etc ... .. Please help, I have no income right now, and need my money back - FYI - the same day, I did send my nephew a {$1000.00} because he is in the same situation - I used XXXX and got the number right the second time, so I transferred {$2000.00} through XXXX and BofA that day. The Case Dispute number at BofA is XXXX
Product: Credit card or prepaid card

I was looking at my dashboard and I noticed some charges on my account and the company didn't have an email address that I can contact to resolve the issue First Progress Mastercard Late charge debt fee {$29.00} on XX/XX/21 MC-1 sales draft {$95.00} on XX/XX/21
Product: Debt collection

I received a call from XXXX XXXX XXXX XXXX, threatening me to pay money from rapid cash or I would go to jail. They also said they bought the information from Calvary portfolio services. when I called Calvary portfolio services they claimed they were a Credit repair company and had no idea when I gave them the information to prove that they stole my identity and gave it to an XXXX call center using XXXX XXXX XXXX as their business contact point. Calvary portfolio services immediately says they gave that information to them yet they are not liable for what they do with it. This is identity theft at its highest. XXXX XXXX XXXX XXXX is using overseas call centers with private American information and asking for your Social Security number. This is highly illegal for both companies.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These inaccuracies have been detrimental to my personal life and credit health.
Product: Bank account or service

I started a case about Wells Fargo, see case XXXX, but Wells Fargo denied my case saying that in the fine print somewhere in their paperwork that it stated that the credit card they gave me ( that I never wanted or asked for ), that it would be used for overdraft coverage. But there are two things that are still wrong. First, I set up a Savings account and a Debit Card Savings Account and specifically asked them to use those two savings accounts to cover any overdrafts in my checking account or debit card account. I have my personal accounts set up at a credit union that way and they work great for me. So I was lead to believe that these accounts would cover my XXXX checking accounts. Secondly, Wells Fargo mislead customers like me because the Credit Card transactions and amounts were not on the main customer web site. You could see my checking account, my savings account, the debit card checking and the debit card savings account. A year and a half later when I finally figured out they had been using the credit card account without my knowledge, they told me I could go in and reconfigure the web page to see the credit card. This is very misleading and seems like a ploy to push credit cards and then load them up so the bank could make interest on any type of fee or overdraft transfers. This is not right, they ended up charging me {$160.00} in fees for {$150.00} in transfers. Every time they did this, I had plenty of money in my SAVINGS ACCOUNTS. There never should have been any reason to use the credit card. To make it more confusing, they would transfer money from the savings accounts periodically, but not all the time as I had requested. I am sure someone had some sales goals and they just wanted to make money off the credit card interest. The top guys with Wells Fargo should go to prison for what they did and the XXXX people they fired should get their jobs back because they were just following orders. I left Wells Fargo and went to another bank. I have my savings accounts set up to draft any kind of protection to my checking or debit card checking accounts. The new bank I am with now, gave me a debit card and a credit card and if I use the credit card IT SHOWS UP ON THE WEB PAGE so it is fully transparent and there is no " sneaky '' credit card fees or transactions that I am not aware of. At one point when I finally figured out what was going on, I brought this to there attention and they did n't seem to care at all. Now I started case number XXXX and again after sending out letters saying they were looking into it, they sent me a denial letter stating that somewhere in the stack of paperwork they made me sign in order to open the account, there was a line that gave them permission to do this, even though I specifically set up the savings accounts and specifically requested that they use the savings accounts and HAD MONEY IN THE SAVINGS ACCOUNTS. These bankers should go to prison.
Product: Checking or savings account

Myself and my wife both retired seniors XXXX  XXXX 's are victims of fraud. Unauthorize withdrawals were made from our checking account at the XXXX XXXX Federal Credit Union ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All transaction codes used against our checking account were identified as " External Withdrawal/XXXX GS '' ( GS in banking terms is Goldman Sachs ) . We do NOT have an XXXX/GS account. During the period XX/XX/2022 to XX/XX/2022 a total of XXXX transactions totaling {$9200.00} were made incrementally beginning in XX/XX/2022. The XXXX was notified on XX/XX/2022 and took immediate action to investigate these unauthorized withdrawals. A police report with the XXXX XXXX, Police Department, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was filed on XX/XX/2022. On or about that date my wife called XXXX and Goldman SachsXXXX XXXX XXXXXXXX, XXXX and apprised them of the problem. XXXX provided no support, while a supervisor at Goldman Sachs said she would look into it. Note that we have XXXX products but do not have an XXXX/S account. To date the XXXX has reimbursed us for the months of XXXX and XXXX and has identified a potential suspect of this fraud. To date we do not know how a stranger got approval to make withdrawals from our checking account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were contacted and noticed to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant, regarding an alleged XXXX XXXX debt. 

The claim by XXXX XXXX XXXX XXXX XXXX. was to be checked for requisites and immediately removed from reporting of only factually true, complete, timely, validated and certified allegations. This original Notice was received XX/XX/year>. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

This is an account that was previously removed from reporting to my personal credit profile, as I C SYSTEM INC. This alleged debt was also previously removed from my credit profile when listed as the XXXX XXXX. Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro XXXX Format compliance XXXX reporting. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX XXXX reporting. 

XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account.
Product: Debt collection

XXXX XXXX requested that I file a complaint with your agency in reference to account number : XXXX. Im disputing this account and XXXX XXXX XXXX is also working with me to clear up this matter.
Product: Credit reporting or other personal consumer reports

The accounts are showing closed charged off, if the accounts are charged off then I should be sent XXXX to file it on my taxes and I am yet to receive the XXXX
Product: Student loan

I have been a full time student since XXXXXXXX 2017, returning to XXXX XXXX University for graduate school. Since enrolling I have continually attempted to place student loans in deferment with Navient. All request have been denied due to being in a " modified rate program ''. I have sent multiple request via fax, email and their online portal. All request have either been denied or unacknowledged. Since the payment was manageable at the time, I continued to make on-time payments to Navient. However, I recently received notification that the " modified rate program '' that I was enrolled in would be expiring. The email stated a needed to submit an updated financial statement to continue the program I was enrolled in. The email provided a link to the form which needed to be completed. I submitted the form to Navient via email to continue the " rate reduction program '' and never received a response. Now the " rate reduction program '' has ended and my monthly payment has doubled. As a full time student the  payment is no longer manageable. Navient continues to deny placing the loans in deferment and has not responded to my request regarding a lower payment option.
Product: Money transfers

Moneygram refused to release emergency funds for medications that I had transferred to my daughter until after I had ruined a dinner engagement, been disconnected after almost 15 minutes on hold on the first phone call, been placed on hold for over 20 minutes after being transferred to another department during the second call., and treated like I did n't know my own daughter. My daughter also wound up waiting about 2 hours in the store parking lot for us to clear up the issue. Their treatment was offensive and bordered on harassment.
Product: Credit reporting or other personal consumer reports

I sent this to capital one, XXXX, and XXXX XXXX. 

I hope this letter finds you well. I am writing to inform you of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX. Please repair and update ASAP.
Product: Debt collection

An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
Product: Credit reporting or other personal consumer reports

See Attached I've recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Checking or savings account

On XX/XX/2018, I closed my checking account with Capital One Bank. At the time I signed the papers to close the account I was told I had to close all auto pay accounts. I called the next day to close an autopay I had through this Capital One account for a XXXX Credit Card. They said it was too late, and that they were already processing the payment. I acknowledged, and I am prepared to pay for, the overdraft fee and amount of this original payment - even though I then paid XXXX directly over the phone through my new bank account ( with XXXX XXXX. ) However, a month later I went to charge a 4 payments for XXXX through XXXX XXXX, via XXXX, each roughly {$13.00}, {$17.00}, {$3.00} and {$3.00}. Although I had closed my Capital One bank account, Capital One did NOT mark the account as closed. A debt collection representative called me on the phone and said I owed over {$600.00} in overdraft fees as they re-opened the account when XXXX XXXX went to charge the account - instead of just reporting the account as closed. This was not an automatic, recurring payment. I had other payment methods available to XXXX  ; however, Capital One allowed XXXX   to charge the account multiple times resulting in multiple overdraft fees. I have tried to resolve this issue with Capital One and XXXX  ; XXXX  refunded their charges but is unable to assist with Capital One overdraft fees - fees that would have been avoided if the account would have remained closed from the XX/XX/XXXX date as I signed off on. I closed this account. No further charges should have been able to post to this closed account. I have paperwork I signed noting that the account was closed. I want Capital One to charge me only for the {$42.00} and the resulting overdraft fee from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX was given a Hardship deferment in XX/XX/XXXX due to having a small series of XXXX and was considered XXXX XXXX by three doctors. After the information was sent to the XXXX. XXXX  XXXX and also XXXX - both infromed me that I would not have any problems due to health related issues that were not in my control. I was given one complete FULL YEAR of hardship deferment and i was sent notice that my payment would not start back up till XX/XX/XXXX. Now on my credit report it has the following after I have written several notices to XXXX and XXXX. XXXX   XXXX in Washington, DC. 

XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE XX/XX/XXXX LATE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I have NEVER heard of this company. I have NEVER had any relationship with them. I do not owe them anything. I have always had insurance and never received a bill of any type. I want this to be removed As soon as possible. I have requested documentation and nothing was received. This is unacceptable and need to be removed IMMEDIATELY!!!