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

I filed an ID Theft report with the FTC on TransUnion investigate my accounts and remove the inaccurate information.TransUnion claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. The consumer reporting agency TransUnion did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation. 
I demand you cease and desist pursuant to federal laws 15 U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information. 

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Prepaid card

I purchased 3 Visa Vanilla Gift cards totaling {$1200.00} ( XXXX of {$500.00} and XXXX of {$200.00} ). None of the cards worked when I attempted to use them. Not a single transaction was successful and when I called they said the cards were defective and they would have to mail replacements. This call was made on XX/XX/2024. I was promised the new cards would arrive within XXXX business days. This did not happen. I called again on XX/XX/XXXX and they said it would take at a maximum 10 days, which wouldve been the XXXX. It is now the XXXX, and they are not here. I called again today. They kept pushing it back even more. They now say to wait up to XXXX business days. This is unacceptable. I escalated the call to a manager. They said all I could do was wait unless I wanted to cancel that replacement and order a new one, which would just restart this whole process. They are unable to issue a refund or a virtual card to my email address. They said the best they could do is an internal investigation which could take up to 30 days. I refused. I feel as if I have been XXXX  and lied to. I purchased those cards so I could use them right away and Vanilla Gift has taken my money and offered no solution.
Product: Credit reporting or other personal consumer reports

I woke up today to find errors on my credit report, and I cant understand how they got there. Ive been diligent about monitoring my report, but this time, unexpected discrepancies appeared. I refreshed my browser, hoping it might fix the issue, but nothing changed. I am pleading for a detailed review of the documents I submitted to resolve this and put my mind at ease permanently.
Product: Debt collection

After receiving notification of this debt from my credit report, I contacted the agency several times. First contact was XX/XX/2019. They responded. The information provided to the Credit Bureaus is INACCURATE. My initial dispute with this agency is that I do not owe them. I owe their client. And they are misrepresenting this within my credit file. I asked them to remove/delete this item. They refused. The debt they say I owe them is one in which they purchased from another creditor. This is a violation of the FCRA to have a 3rd party entering information in my credit file. I did not receive any services from this agency and therefore they have no permission to include this debt as owed to them within my credit files.
Product: Money transfer, virtual currency, or money service

On XXXX the original transaction was made ( {$400.00} scheduled to send to XXXX ). On XX/XX/2018 this transaction was cancelled by me. At that time money was not withdrawn from my account and the same info was provided under my account on MoneyGram website.

Unfortunately, money was withdrawn from the account but never sent to XXXX. 
I made a few attempts to receive money back by contacting this company via email, chat or phone call. 

Here is the fact. MoneyGram doesnt email finished chats to their customers saying that they are staying on customers account and only MoneyGram employees could see them. 
Chats : During those chats ( had at least five ) first, I was told to wait for 10 business days to get money back. Then I was told a few times money get back to the account in three business days. 
Once, I was told it was my bank mistake. Checked with XXXX too. 
I was able to copy only one chat. Other ones were closed so fast at the end that I couldnt do it. 

Emails : Company says that those issues can not be solved over email and provide the phone number. 

Phone calls : I was told to wait for three business days ( again ). Was not allowed to talk to a supervisor. 

On XX/XX/XXXX after another unsuccessful attempt to solve the issue I made screenshots of my transactions from my MoneyGram account ( original one and about transaction cancelled ). 

On XX/XX/XXXX I tried to login to my MoneyGram account and was not able to do so. My account was deleted by MoneyGram. I looked online and found other peoples similar complaints about dealing with MoneyGram fraud and their account being closed by MoneyGram. Also found some info about lawsuits against MoneyGram.
Product: Checking or savings account

I have been using PayPal personally for 20 years and have a business PayPal account for over 10 years. I have processed over {>= $1,000,000} through PayPal through my business account via credit cards, paypal payments, etc. Recently PayPal is being unreasonable and unfair in their requests for recent transactions and in turn have held up my funds for over 2 weeks. This is impeding my business and causing issues. At one point, I had to refund over {$100000.00} in payments to customers and inform them to provide payment using a different method, per PayPal instructions, stating that they believe PayPal is not the choice for processing these transactions. The transactions in questions are for high end computer equipment, as my business is a XXXX XXXX. When refunding all these transaction, I lost over 20 % of my business, as customers were irate and decided to cancel their orders. After the refunds, per their instructions, PayPal is still holding funds, requesting more unreasonable and unfair information and still holding funds. Each time I submit the information they request, they don't review for at least 48 hours and then kick back more information. Everything they request is always given to them and they continue to be nit picky and continue to avoid my requests for release. Again, they are being unfair and unreasonable.
Product: Credit reporting or other personal consumer reports

The following inquires was not authorized by me. I need them removed off of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After negotiating a lower payment at the beginning of XXXX I was told my payments started in XXXX. When my payment was made in XXXX I contacted by Navient telling me my payments were over due and that I had missed my XXXX payment. After a long discussion on the phone I was convinced to file forbearance for XXXX payment. At the first of the year I went to check my payments and my payment amount was raised. After a lengthy discussion were the customer service rep, who tried to convince me to file forbearance multiple times they finally told me they would pass the issue on to there manager and I would be contacted by the XXXX. I have not been contacted and my payment still is at a higher rate then I can pay and higher then the payment I negotiate in XXXX. I have tried contacting Navient a few times since the XXXX with a number the customer service representative gave me was given with no avail.
Product: Credit reporting or other personal consumer reports

During the time frame of XX/XX/2023 and XX/XX/2023 i applied for a mortgage loan while shopping for mortgage rates. My credit was pulled multiple times by the same company ( rocket mortgage ) and those inquiries have all counts as separate inquiries although they were made within the XXXX  day window and should have only been counted as 1 inquiry. My credit report shows 6 separate inquiries within that time frame and has caused my credit and fico score to drop significantly and prevents me from obtaining fair credit by staying i have too many hard inquiries on my report and is considered excessive credit seeking. I would like these inquiries consolidated and the additional inquiries from this company within those XXXX days removed from my credit report. I was told by the credit reporting agency representative that these inquiries all count as separate attempts however, and my request and dispute has been denied.
Product: Checking or savings account

TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy ofmy Early Warning consumer credit report sent to me via mail.
Product: Checking or savings account

Good afternoon, my name is XXXX XXXX Im writing u to get information on what is going on and why Im not able to open an account. And the accounts I have tried to open are either not able to be open and they arent telling me why or they are being closed and want tell me why either.. I have been a victim of identity theft and I have disclosed that to them as well. But still Im in the situation where Im still not able to open an account.. I received a letter from Bank of America telling me that if I wanted to open up a new account I cant step into a branch and do so upon visiting the branch Im Told that Im not able to open a an account and Im still not sure why not.. my account was closed with chase, Bank of America XXXX and XXXX XXXX and its not fair that Im having to go through this when I have not done anything wrong. I even tried to go in to the branches with my business information that I was given to open up a bank account and still Im not able to.. which results in me not being able to receive any business funding because of me not having a business bank account.. so Im here today to seek and find out whats going on.. and to see if theres anything that can be done to help me get a bank account open..
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
15 U.S. C 1681 section 602 a. States I have the right to privacy 15 U.S. C 1681 Section 604 a. Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR.

My rights have been violated several times over and I keep reporting this over and over and have been reported to this agency previously and to the third party by mail stating no such double payment shall be issued. By statute I am due relief and remedy the same as XXXX XXXX XXXX  has already been issued via 1099-A by the treasury. Again no malice is being issued, only frustration peaceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by   XXXX    & EWS . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX    XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  XXXX  days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Product: Checking or savings account

Over the past 4 months, I have acquired 7 overdraft fees. Each fee is {$36.00}, totaling {$250.00} in fees. 
It was verified by an employee on the phone that i spoke with on XX/XX/23 that I never approved overdraft protection services. These fees and the associated transactions that triggered them shouldnt have happened. 
In addition, the policy is that you have until XXXX the day the overdraft occurred to add money to avoid a fee but nearly every time I have experienced this, the fees happen OVERNIGHT when Im sleeping. I go to sleep and my account is in good standing, in the morning it is negative with Multiple Overdraft fees. I was denied any refunds because of an error they did/corrected back in XXXX that resulted in a refund of an overdraft fee. So because they corrected an error, I am not eligible to request a refund of overdraft fees for a year. 
I asked how do I avoid Truist approving transactions when my account is low and I was told some things may be approved regardless. 
I check my account on the app often and ensure I have money before I spend it. Transactions dont display the same day sometimes. It is hard to manage your money with this bank. 
I feel this is incredibly unfair and confusing and I am eager to get my money back, switch banks and tell everyone about my experiences with Truist.
Product: Credit card or prepaid card

I received a usbankreliacard in the mail. Since I have a usbank card I assumed it was an updated card. I called to request a duplicate card for my husband. I spoke with XXXX XXXX from about XXXX to XXXX XXXX on XX/XX/2020. She stated she had to verify my authenticity by entering transations against one of my current credit cards. I objected stating I had never needed to do this. She stated I was niave and she was just trying to serve me and fill my request and proceeded to enter transactions on three of my cards : XXXX XXXX from XXXX ( {$75.00}, {$10.00}, {$25.00}, {$60.00}, and $! XXXX ) XXXX XXXX from XXXX ( {$200.00} ) XXXX ( {$200.00} ), XXXX XXXX   from XXXX ( {$280.00} ). The XXXX XXXX would not accept the transactions and I refused to give her anything else. I told her to just stop and remove all the transaction which she said had not been posted and would not be, She would remove all traces of them before the end of the call. I had been complaining about the process and the length of time for ssuch a simple request. She suggested I just hang up the phone and leave her to finish the job and I could just check my computer later. I told her I did not trust her enough to do that. I wanted to see each transaction cancelled. She told me to be quiet and let her do her job. She said she would cancel everything at that point but I noticed she was waiting for a confirmation from XXXX. She did cancel the XXXX charge for {$200.00}. But that was all. Finally she gave up on me. When nothing happened I began to cancel the user interface sessions. She had opened about six of them. When I got to the last one, XXXX XXXX entered XXXX XXXX I have tried to report the fraud to usbankreliabank but the rep went to talk with her supervisor and then hung up on me. I tried to cal back but after 15 mnutes in queue, I hung up and chose to report the fraud to you. Since it seems this is a government relief program, I was confident you would be intrested in preventing this to unemployed people desperate for the help you offer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Ally financial has hard inquiries posting for no reason.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To Whom It May Concern : I have tried calling into Navient multiple times and dealt with excessive hold times for over an hour. Every time a representative would pickup they would say, I wasnt in the correct department for student loans and wouldnt be able to assist with my concern. They would put in a long hold with no assistance what-so-ever. Finally, I got so sick and tired of waiting on hold, I had sent an email with written instructions on XX/XX/XXXX requesting to have the funds that were deposited on XX/XX/XXXX for {$6000.00} be refunded back to myself. On XX/XX/XXXX, I finally got through to Navient and I directly spoke to a representative in the private loan department. I explained my situation to her and was told that she would get this over to the payment department and they would then reissue a refund back to myself. I should be getting a refund check within ten days. I waited over that period and still  havent gotten my refund. This situation has become an ongoing problem with them. I keep on getting the runaround without any assistance. They responded back to my email on XX/XX/XXXX telling me that my concern was already addressed on the phone conversation on XX/XX/XXXX and nothing else was needed. Basically, all that Im requesting is that Navient due its due diligence and issue myself a refund check for the amount that I am requesting.