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

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Transunion being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Transunion received everything required under the FCRA needed to remove and place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX and XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Transunion has yet to place a block on all information resulting from identity theft. I called Transunion today at XXXX pm and requested information on the block of information resulting from identity theft. A representative of Transunion informed me that they were not placing a block on the information because of the company policy they have in place. I informed the representative that their companies policy does not supersede Federal law and according to Federal Law, I submitted everything that was required. 

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 BUSINESS DAYS after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

I have not received any sworn statements from any senior Executive member of this company on an affidavit signed under the penalty of perjury. Therefore, Transunion is willingly and knowingly violating my federally protected rights under the FCRA to protect a business relationship they have with these organizations by allowing them to park debt on my consumer report in order to ruin my financial reputation.

15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Transunion allows its policies and business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED CONSUMER RIGHTS, they will be liable to me for the stress, XXXX, sleeplessness, and any other actual damages caused as a result of the failure as allowed under 15 USC 1681n and 15 USC 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

CXXXX 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

I'm a victim of ID Theft. Upon my husband 's death early this year someone got his phone number and used it to access his XXXX XXXX that had all our information. I put a credit freeze on my name. Somehow MoneyLion ignored the credit freeze and opened an account on my name that is NOT mine. Obviously the thieve is not paying the account. now my credit report is being damaged.
Product: Checking or savings account

I banked with Wells Fargo in 2019. I was notified by the Pennsylvania Department Of Transportation that a check for vehicle registration was fraudulent sent to them in my name. I purchased a vehicle from XXXX   XXXX  in XX/XX/2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle registration. XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX XXXX consent to add my checking and routing number to a cashiers check to submit to the State of Pennsylvania. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. This was done fraudulently without my knowledge and or consent. I was advised to take this issue up with Wells Fargo. I tried to do so via their customer service line to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled This Equifax recurring Transaction ion XX/XX/2016 at XXXX XXXX and have the Email from Equifax To prove it and the continued charging me almost 4 years later till I called tonight and they cancelled it again.

I tried to get my money back and they refused.

I need help getting my money back to my Credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

My Auto Loan is not being reported to the Credit Bureaus. I am unable to get a credit score nor am I able to get a home loan because of insufficient lack of reporting to Credit Bureaus. Banks will not accept Credit Report with out a Credit Score
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX XXXX that I was leaving for a XXXXXXXX XXXX. I set up auto bill pay with them before leaving, as I knew I wouldnt have internet most places. After arranging bill pay, I learned during a brief period of internet availability that they hadnt pulled the payments in 3 months, and had been reporting me to the credit bureaus. I paid the past due balance, notified them I was XXXX, and told them to pull all future payments automatically for the duration of the XXXX. I came back from another remote area of the country on XXXX and saw that it had gone past due again. The missed payments were XXXX, XXXX, and XX/XX/2017, then again XXXX of the same year. The missed payments have caused my credit score to take a more than 100 point hit. I have since paid off the account, but after disputing the circumstances with XXXX, the missed payments remain on my credit report.
Product: Student loan

My student loan account had a 60 day forbearance applied twice in an effort to postpone any full payments while my income driven application was processed. I called on XX/XX/XXXX to confirm forbearance and I also cancelled direct deposit to ensure full payment was not deducted. On XX/XX/XXXX ACH debits for {$310.00} and {$480.00} were authorized to my checking account. I called on XX/XX/XXXX and the rep I spoke with said that fedloanservicing could not issue a refund until the payments post on their system and assured me to call back tomorrow ( XXXX ) and the payments would be refunded. I called today XXXX around XXXX and spoke to XXXX XXXX XXXX who transferred me to XXXX XXXX who said she was transferring me to a manager but disconnected the call. I called again XXXX around XXXX and spoke to XXXX XXXX who transferred me to a manager XXXX XXXX. XXXX confirmed that though I called on XX/XX/XXXX, my forbearance wasnt processed until XXXX and my direct deposit wasnt processed until XXXX. She said the refund request will take 60-90 days instead of the 48-72 hours quoted by the initial rep. She also said no overdraft fees or NSF fees that the bank imposes would be refunded to my account. Most egregiously, XXXX said that there was no further dispute resolution process or no other person/department I could speak with to expedite this refund request. I did request the address to FedLoanServicing Legal department, for which she gave me the corporate address, FedLoanServicing XXXX. XXXX XXXX XXXX, PA XXXX XXXX. These two payments / ACH debits have wreaked havoc on my checking account. I followed the proper steps to not only halt any full payments ( for which I did not have the funds to pay ) but also cancel the direct debit payments outright, just in case there were any issues. How then, is it reasonable or legal for a student loan Servicer to neglect processing payment/loan changes and the financial fees/burden be imposed on the borrower? This is plain negligence.
Product: Checking or savings account

I got several overdraft fees after being charged several payments despite the fact I had signed up for denying payments if my bank account would reach below XXXX. 
On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX of XXXX, I opened a Citigold account using the promotion code XXXX, which awards XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and bill pays in XXXX consecutive months. I was unsure if I was eligible to use the promotion code so I confirmed via the CITI messaging on my account. On XXXX/XXXX/XXXX I received confirmation from Citi CSR XXXX XXXX XXXX XXXX XXXX ) that " this is the offer you are eligible for '' ( see attachment ). 
After meeting the requirements, I confirmed via secure message that the requirements were met and my miles would be awarded. I received confirmation on XXXX/XXXX/XXXX from Citi CSR XXXX XXXX ( see attached. XXXX XXXX ). 
I was told they would be deposited by the end of XXXX. On XXXX I sent a message confirming that my miles would be deposited in XXXX and received a response on XXXX stating that I was no longer considered eligible for the promotion and " that meeting the requirements does not confirm eligibility. '' I followed up on XXXX with a chat with a Citi rep and she resubmitted the 'investigation ' and told me it would be completed within XXXX2 business days and I would receive a message. When I did not receive a response, I followed up on XXXX to inquire about the investigation and ask for my fees to be waived and was told via secure message that there is no timeline for completion of the investigation Citi will not waive my fees. I have now waited 13 days since the initiation of the second investigation. 
Citi 's practices in this matter are fraudulent. Their CSR 's clearly confirmed my eligibility, completion of requirements and estimated date of miles being deposited. They have not stood by their word. I am especially incensed that they continue to charge me fees even though they are not completing their end of the agreement.
Product: Debt collection

they continue to contact family members and leave voicemails stating they are contacting me regarding a civil case filed against me regarding an apartment on XXXX. I do not owe any outstanding debt. I looked up the name of the company online and the number they are calling from and found that it shows they call family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money.
Product: Mortgage

My uncle passed away and Ive been trying to assume his home since XX/XX/XXXX. Ive been in contact with every department, Ive submitted all the required paperwork and have since been ghosted by the company. I reached out to there assumptions department in regards to the current status and what I need to do next but after multiple attempts I havent heard anything back since XX/XX/XXXX. Ive taken it upon myself to email any and everyone I can with the company ( at this point Ive emailed 14 different people ) and have not had a single response. Every time I call no one knows what the status is and says that the assumptions department doesnt have a phone number and can only be reached via email. My uncles house has been in default since XX/XX/XXXX, I told the company NUMEROUS times via telephone and email that I am willing to pay any and all arrears in full to make the payments up-to-date as long as the title can be transferred to my name. Ive been told I can sell the house ( I dont own the house so Im confused as to how they will let me sell a property that isnt mine ) I was also told that I can do a loan modification ( once again, how can you modify a loan that is not yours?? ) every person I talk to has a different answer. My contract for the assumption was submitted on XX/XX/XXXX, to which I was told was never received so I sent it again XX/XX/XXXX and finally they put it in my file. After speaking with multiple people, fighting this for weeks on end and being pushed off into department after department, I finally spoke with a woman named XXXX XXXX who told me she would be giving me a call on XX/XX/XXXX after investigating the status of the loan and I never received a call, Ive attempted to reach out to her numerous times via telephone and email with no response. Its hard enough to lose a family member, let alone a house during the holiday season. At this point Ive exhausted all my options and still dont have answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I make arrangements with Allied International Credit Corp.to pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX XXXX  I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.
Product: Student loan

My name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My SSN # XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, I was on line looking for student loan forgiveness. I have been a XXXX for XXXX yrs and lost my 2nd job due to covid on XX/XX/XXXX. I have had XXXX  twice and was in recovery. Student loan company were calling me about my debt. I could not afford to make the payments. Like I said I was looking for forgiveness, since they have that available for teachers after XXXX yrs of service. I called True Solutions and spoke to XXXX. He said they could guarantee complete forgiveness of all my student loans. It is for nurses. If I pay XXXX dollars a month for XXXX they will forgive my loan of XXXX. I ask how can I be sure it is legal, he said the calls will stop and you can call your student loan company and they will tell you don't owe money. When I called that is exactly what they said. I didn't know it was just a deferment. I started questioning it after making payments to them when I looked at my credit report and found they had been grayed out of my credit report. I tried several times to call them but no response. I kept getting letters in the mail for a bill with XXXX XXXX XXXX asking for money. They said they are the finance company for True Solutions. I told them I did not believe the company was legal and I'm not pay any more payments until I speak to True Solutions. XXXX XXXX continued to notify my credit report for delinquent payments. A month ago I was on line and saw where there was a class action suite for people like me who were scammed by companies like mine promising the same thing loan forgiveness. The law suite was for people from XXXX, and they were awarded money. What I don't understand if these companies were under investigation why were they still allowed to continue to scam people like me during a Pandemic? I've been trying for years to buy my own home but due to this situation my credit score is suffering. Why do these companies continue to stay open. What can I do to get justice for this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate personal information that need to be deleted from my credit report. As of XX/XX/2021 I have sent several letters to Equifax requesting that the incorrect information be removed. XXXX and XXXX  has already updated my personal information. Thank you in advance for your help in this matter.
Product: Money transfer, virtual currency, or money service

A fraudulent and loyal Truist Bank customer or account holder tricked us to believe his attempts and he proved to be a professional scam artist. This crime has been filed before so, all history of documents should be in your computer! Truist simply permitted our money to be deposited into their account holders account and Truist let him take our wired money and Truist let him go free! Truist has been very bad in their protection of their security system. This is totally tiring and very embarrassing. Please help us! Truist is not willing to help us!
Product: Checking or savings account

I went into a Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I saw and spoke with XXXX XXXX, Relationship XXXX  at the branch office. Mr. XXXX informed me he couldnt open up a Bank of America checking account for me because it was coming up in the database system as decline. I showed the letter XXXX XXXX XXXX sent to me stating adverse reporting was removed on previous accounts ending in XXXX and XXXX was removed and he is now able to open new accounts at Bank of America if he chooses to do so, and he informed me he would call and speak with XXXX XXXX, Resolution Specialist Regulatory Complaints in regards to the previous letter Mrs. XXXX sent to me stating I can now open a Bank of America Checking Account after filing for Chapter XXXX Bankruptcy on XX/XX/XXXX, XXXX Review Bank of America letter and Case Number : XXXX dated XX/XX/2021.
Product: Debt collection

They sent me XXXX letter. I emailed them with my phone number. They called but refused to speak with me about the supposed debt. Threatened to take me to court. Did take me to court. Didnt show up first hearing. Judge continued it. I was XXXX mins late to the second hearing and didnt get the same benefit of a continuation. Was told to appeal. Never received anything to appeal. Got a call from an agent today who refused to say who the debt was with. Transferred me to an automated system that informed me it was pressler. Ive already disputed with the credit agencies and they still took me to court. And Ive yet to get instructions on how to appeal and theyre attempting to collect without informing me who they are.
Product: Checking or savings account

Primary issue : CHASE BANK NEVADA deliberately or negligently failed to return funds that they knew were part of a money laundering scheme. 

XX/XX/XXXX : Chase Nevada negotiated XXXX cashiers checks totaling {$60000.00} from XXXX XXXX  ( Ohio ) and deposited them to XXXX of their ( Chase Nevada 's ) business accounts. 

XX/XX/XXXX : XXXX XXXX  requested return of funds from Chase Nevada after realizing that that the funds had been sent in error due to fraudulent misdirection ( a fraudulent money diversion/laundering scheme was discovered ). XXXX XXXX  received and shared all necessary indemnification documentation to enable Chase Nevada to return the funds. According to XXXX XXXX  's Chief Risk Officer, Chase Nevada responded that " funds are not available '' in the applicable account for return. 

Following our subpoena of Chase Nevada 's account records during this time, there is proof that, despite their claim to the contrary, the funds WERE in fact available on the date XXXX requested their return. Further, the account continued to hold the funds for an ADDITIONAL 7 DAYS ( with no further communication with XXXX XXXX  or effort to return the {$60000.00} ). 

On XX/XX/XXXX Chase Bank, rather than return the fraudulent misdirected funds to XXXX XXXX, instead wires the funds to a Credit Union at the request of the account holder facilitating the money laundering scheme. We further learned through subpoena that Chase Nevada had red-flagged the business account which appears to have been set up by a fraudulent business solely for multiple money laundering purposes. 

XX/XX/XXXX : After presenting our subpoena evidence to XXXX XXXX  and requesting their Chief Risk Officer file a claim with Chase for reimbursement, rather than provide reimbursement for their negligence, we are told that Chase again responded to XXXX with : " Claim Denied. Funds Depleted. '' Now, due to Chase Bank Nevada 's gross negligence at best ( fraudulent behavior at worst ), the entire {$60000.00} is gone and we have incurred an additional excessive burden trying to remedy the matter... .all of which could have been moot if Chase Nevada had simply been honest on XX/XX/XXXX and acknowledged the available funds and returned them to XXXX XXXX  XXXX
Product: Debt collection

The Best Service Company is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I requested previously valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond. Attached are previous correspondence with my notice and their response which proves this company did not address my concerns.