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

Im accordance with the Fair credit reporting act XXXX XXXX XXXX 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX 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 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called into XXXX to acquire documents that XXXX should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by XXXX supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the XXXX agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, Transunion ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer report
Product: Credit reporting or other personal consumer reports

Company applied 2 inquiries even though I only applied for credit once
Product: Bank account or service

Chase Bank has refused to honor my promissory note which is my financial asset yet kept it beyond the midnight deadline. That asset is connected to my UCC # XXXX is seen as cash XXXX & XXXX. which I signed in front of and gave a copy to law enforcement Chase Bank policy not above the Arizona Law nor United States Code. 
Chase Bank would have had to return all the documentation given to it to avoid incurring liability. This did not happen. Arizona Revised Statute XXXX XXXX. 
1.A demand item, other than a documentary draft, whether properly payable or not, if the bank, in any case in which it is not also the depositary bank, retains the item beyond XXXX of the banking day of receipt without settling for it or, whether or not it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or 2.Any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents. 
I sign all my Private Bankers Notes ( promissory notes ) in front of law enforcement and give them copies so they know I am not doing any kind of fraud. I also include a card with every Private Bankes Note I create to the police department where the note is witnesses being signed.
Product: Credit reporting or other personal consumer reports

I am contacting you to raise a formal complaint regarding the ongoing reporting of incorrect information on my credit report. Despite previous disputes and the evidence I have provided, the inaccurate data has yet to be rectified.

This situation d

irectly violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( b ), which requires credit reporting agencies to ensure the highest possible level of accuracy in the information they report. For further specifics, I ha
ve attached a detailed letter outlining the errors in question. I urge you to take immediate steps to correct this issue and to ensure that my credit file reflects accurate information.

I appreciate your attention to this matter and look forward to your swift response.
Product: Student loan

Been asking about student loan help and forgiveness from Ed Financial..Just was told to apply for student loan forgiveness on XX/XX/XXXX XXXX.Put in app online... Waiting for status ... Months of unnecessary stressed..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit twice accidentally within two days, XX/XX/XXXX & XX/XX/XXXX which as irrelevant as it is dropped my score tremendously.. 

I should not be docked for mistakes made by banks. This was an obvious error on their part not mine. 

I am so fed up with this unfair system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has refused to update my credit report with their transfer of 2 separate Department of Education Loans to XXXX. The transfer occurred on XX/XX/XXXX. I disputed the reports through the XXXX XXXX app in late XX/XX/XXXX, then again in XX/XX/XXXX, well over 30 days since they transferred the loans. 

The dispute resulted in that XXXX did not agree and the dispute stated it was resolved with the XX/XX/XXXX balance still reported. Both Department of Education loans have been paid in full through XXXX since the transfer. Incorrect information can have a significant impact on my ability to obtain other credit and demonstrate current financial obligations. 

XXXX XXXX has made many errors on my account including withholding that they were going to capitalize interest or failing to give options for repayment. I had to learn how to do everything myself during my time with them as they consistently led me towards increased debt and capitalized interest. They took 6 months to process changes such as payment plan changes and when I was on XXXX mishandled paperwork. Please help me fix this issue so I can finally be rid of XXXX XXXX and their criminally incompetent business practices.
Product: Debt collection

I sent out a dispute letter on XX/XX/2020 directly to the creditor regarding the validity of this debt. It has been more than 30 days and I have not received any information with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

They have failed to respond and are violating my FCRA 30 day investigation right.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/XXXX. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/XXXX
Product: Debt collection

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Experian multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information with the credit bureaus and they have yet to remove these unauthorized accounts from my report. Ive never authorized any of these accounts with these companies. I dont have a relationship with these companies. Please remove these accounts from my credit report, they arent mines.
Product: Credit reporting or other personal consumer reports

This will make the 3rd time asking XXXX Equifax and XXXX to remove this fraudulent items from my report. I never had any account with the following leanderXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following inquiries in my credit report : 1 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 2 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 3 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 4 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 5 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 6 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX -- -- - 7 ) Inquiry from XXXX XXXX, XXXX This inquiry could stay on your report until XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times ive been disputing with equifax to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX, XXXX, mi. XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX, XXXX, mi, XXXX. 
XXXX XXXX XXXX , XXXX XXXX, XXXX, mi, XXXX. 
I do not live at these addresses. At this point, equifax is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I want this employer removed immediately. Also numerous times i have disputed to have a incorrect name spelling removed. My name is not XXXX XXXX. I dont understand why they would keep this incorrect name on my credit report. Please remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX  XXXX/XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering loss Funds was impossible, in that tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protectconsumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises. Serious concerns about consumer safety.
Product: Debt collection

XXXX hospital called me in XX/XX/XXXX reporting that I owed {$1400.00} from a XXXX XXXX replacing my XXXX XXXX in XX/XX/XXXX, which was identical to the XXXX I had on the XXXX XXXX in XX/XX/XXXX, all of which was paid by my XXXX and XXXX insurances. The hospital representative informed me that XXXX denied the remaining amount of {$1400.00}, but XXXX paid {$78000.00}, therefore I was responsible for the remainder. I called XXXX who informed me they denied it because the hospital coded the billing incorrectly and if the hospital would correct the code and resend it, they would pay it. I relayed that to the hospital representative but they have refused to change it or resubmit the bill.
Product: Debt collection

Goldman Sachs Bank USA has reported to the credit companies a written off loan that was being paid. Goldman hired XXXX XXXX XXXX a debt collection company to sue me for the alleged debt. I am contesting everything in court and have not been found liable for this debt. I have tried to use Fair Credit Collecting Act rules to get info as well as Fair Debt Collection Practices Act rules to get information from Goldman as well as XXXX also State of Florida Debt collection laws but I've been told those consumer laws don't apply because Goldman is still the owner of the debt. I dispute that since Goldman hired a debt collector to represent them and collect on an alleged debt. I know that both Goldman and XXXX has to follow any and all collection acts and reporting acts but they aren't and misleading me and the court by claiming they aren't bound by these laws. If you look up any county court clerk records there are literally hundreds of Goldman Sachs Bank USA represented by XXXX suing consumers committing fraud against consumers violating these acts. How can a debt be reported on a credit report negatively if its been taken to court and not found guilty of owing the debt. That is a violation of due process as well as fraudulently reporting debt until its found owed by the court.
Product: Debt collection

In mid XXXX or there about ; I received notice of a Collection on my credit report. The report stated it was from a debt owed to a Coleman 's Furniture company in the amount of {$110.00}. It also stated the debt was obtained in XXXX of XXXX! First I do remember beginning a purchase online but the purchase was cancelled immediately after I initiated it ( after reading reviews on the Company/Products ). I never received anything from XXXX XXXX ( which I believe was a kitchen dining set-not sure as I had just returned to my home after being away for nearly 8 years and I was remodeling and redoing everything ). At any rate I did not think anything of it ; until over a couple of years later I find this derogatory collection on my Credit Report ( XXXX ) : XXXX and XXXX. After several attempts to get clarity from XXXX XXXX I was instructed to reach out to Jefferson Capital ( the Collection Agency on behalf of XXXX XXXX ). I called numerous times asking for information regarding this {$110.00} debt I owe. I have only received non-sensical statements, with no content but available " payment offers ''. Nothing that shows I purchased anything or how this " debt '' was obtained. I want Jefferson Capital to remove this fraudulent debt from my Credit immediatedly. It is not a debt I am responsible for.
Product: Checking or savings account

I am submitting a complaint against Navy Federal Credit Union in regards to multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment with my debit card to XXXX XXXX for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 

XXXX XXXX has been calling us looking for their money and when they call, we contact the Chase bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. 

Many many months of this back and forth and being transferred to numerous peeps and 2 trips into the bank, have been told there is nothing Chase can do at this time. XXXX XXXX has received their monies and nothing they XXXX XXXX that wen do. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 

I have been on the phone with XXXX XXXX again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the 1st payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by Chase that they received on XX/XX/XXXX, which they have not received it. 

All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why XXXX XXXX has not received it. ( Have paid the car off now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. 

I have done everything that everyone has asked of me and yet neither one ( Chase nor XXXX XXXX ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Product: Money transfers

I initiated an online money transfer with a service called : Moneygram. The remittance of {$150.00}. plus the {$15.00}. transaction fee was to be billed to my debit card. I received an email summarizing the transaction and providing me with a tracking reference number. I then received a second email stating : We need a little more information to process your transaction. and directing me to call customer service for help completing the transaction. The " customer service '' is a call center in a foreign country with very poor reception. The first representative would only identify himself as " XXXX '' despite my request for further information concerning to whom I was speaking. He proceeded to ask me some personal information as to my relationship with the recipient and the purpose of the transaction. I made it very clear that I was comfortable with the said transaction. He then told me that my bank had declined the transaction because my address that I listed turned out to be incorrect ( which turned out to be a lie ). I then proceeded to discuss the matter with my bank. My bank informed me that the transaction would have gone through ( and it was listed on my online account statement ) but that the amount requested was {$0.00}. I then proceeded to contact Moneygram 's " customer service '' a second time and spoke with " XXXX '' ( who also declined to provide me with any additional information about her identity ) { I would like to note that these " customer service representatives '' have a very poor telephone reception and are constantly threatening to terminate the conversation saying that I have a poor connection when in fact I have very a very clear reception }. XXXX informed me that my transaction was declined because, quote : '' Moneygram is uncomfortable with this transaction '' and that " she could be of no further assistance ''. The specific complaints that I have are listed as follows : 1. I was lied to by " XXXX '' about the reason that my transaction was declined which caused me to experience undo anxiety about the status of my debit card and to waste my time and resources with an unnecessary call to my bank. 
2. I was misled by Moneygram 's claim : " We make it easy to send and receive money '' 3. I was lied to in an e-mail claiming that they only needed some additional information to complete the transaction when in fact they were denying the transaction and therefore wasting my time. 
4.The format of their payment page requires you to provide your debit card information before you can view your transaction details which I believe is incorrect. 
5.In addition, I have found out that under moneygrams " terms and conditions '' privacy policy XXXX that " moneygram may disclose my personal information '' to " direct marketers '' which I believe is a violation of my privacy rights. 
6. Moneygram 's " customer service '' is basically ineffectual and the representatives seem to be instructed to give clients a complete runaround and lie to them. 
Furthermore I would like to point out that the intended recipient is in medical need and his reception of the funds could amount to a matter of life and death.