23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am not able to access my direct deposit from my employer on my Capital One banking account. Capital one has cited technical issues we much may violate the Electronic funds Transfer Act as it requires timely access to funds. This issue raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld
Product: Mortgage

Class action settlement, havent been sent anything. Had a mortgage for some 15 years with Wells Fargo
Product: Debt collection

Capio Partners is stating that I owe them for a debt. I requested for them to send me validation a signed contract with my signature and that the agreement was between Capio Partners and I and a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of MI as well as other specific things Ive asked them to prove. Capio Partners is stating that I owe them for XXXX XXXX Of Michigan in the amount of {$180.00}. I reached out to XXXX and asked do they sell debt they stated no ( Im well aware of my HIPPA laws ). I could sue XXXX for violating XXXX laws. Capio Partners has violated multiple HIPPA laws and I have my lawyer on hand to sue Capio Partners for the violations of my medical rights. Also there information has not been reviewed by a lawyer.
Product: Money transfer, virtual currency, or money service

I did a cash pick up request via Ria to be picked up at an aerial Walmart.The transaction request took place on my XXXX XXXX app. I have use this service hundreds of times before and ran into no issues until today I went into Walmart we got to the end of the process and when the funds were going to be released we received an error message I was told to contact XXXX XXXX and also Rea Walmart also contacted Rea we were given several different answers from several different supervisors the financial institution customer service agents were very rude outrageous they  talked over you there was outrageous background noise of kids playing they also hung up on you when they no longer had a different answer for you because they realize that they had given a different answer than the prior agent they should not even be in business let alone handling financial matters.I spoke into different agents and supervisors no one is able to tell me where the money is and why they can not release it XXXX XXXX also contacted them and they have not given us any information nor have they released the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX - XXXX XXXX2023 remove hard Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX Bank XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX Funding XXXX ... Dir # XXXX XXXX MI XXXX XXXX XXXX info ser. XXXX ... dir # XXXX XXXX NC XXXX ) XXXX info ser XXXX dir # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX dir # XXXX XXXX VA 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 of the consumer to whom it relates.
Product: Debt collection

{$640.00} debt on my credit reports. not mine and never received debt validation letter
Product: Checking or savings account

Navy Federal would overdraft my account multiple times leading me to get evicted from my XXXX due to insufficient funds
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient Corporations I heard they got a law suit against them can you help me look into the information about them. If they legitate and the balance i have to repay them back is XXXX.
Product: Debt collection

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, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Vehicle loan or lease

Kia finance loan opened XX/XX/XXXX XX/XX/XXXX car total loss, was told that my gap insurance and warranties were to be paid 100 % if any thing of that nature was to happen so Im confused on why I still have a balance XXXX/XXXX/XXXX receive phone call from debt collector about a balance owed XX/XX/XXXX contacted Kia about this
Product: Vehicle loan or lease

I financed a XXXX  XXXX XXXX for my XXXX  service company. From the start, this truck has been plagued with mechanical issues. Now, it's facing a recall with no known solution, causing the tires to lock up while driving. This makes the truck completely unusable for my business. Despite these problems, XXXX refuses to offer any assistance. As a result, I'm burdened with compromised credit and a {$1000.00} monthly car loan for a vehicle that's essentially worthless. I urgently need help to resolve this situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to XXXX. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX  conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit card or prepaid card

The denial of my credit application on the XX/XX/2023 used several decisive factors as a basis for denying me access to my own credit. This is a violation of 15 U.S. Code ss 1611. The basis for denial are listed below for American Express : >Account ( s ) not paid as agreed.

>Delinquency date too recent or unknown. 
>Amount owed on delinquent accounts. 
>Length of time accounts have been established. 

The information is not only inaccurate, but has no legally-valid basis for consideration in a making a credit approval decision. 

Under 15 U.S. Code 1681, American Express has engaged in adverse action by unlawfully denying me access to a line of credit.

A letter detailing these violations has been mailed to American Express Underwriter on XX/XX/2023 to correct these errors.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries have appeared on my credit report. These inquiries were not initiated or authorized by me. I suspect identity theft and request immediate removal of these inquiries. I did not consent to these inquiries and believe my personal information may have been compromised. I demand a thorough investigation and written confirmation of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

At my work email I got the following email below the line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- We've permanently limited your account 1 message Zelle XXXX Tue, XXXX XXXX XXXX at XXXX AM Reply-To : Zelle XXXX To : XXXX Zelle Logo. 
Your account has been limited Recently we have limited your access. 

Possible unauthorized account access. 
Unresolved buyer disputes or credit card chargebacks. 
We need some information about you. 
Click the button below to secure your account and regain access. 


Secure My Account
Product: Mortgage

Please see complaint XXXX The company has not fixed our credit and did not remove the negative 90 day late payment reported through XX/XX/2017. 
We have never made a late payment. Our loan was transferred and they incorrectly reported to credit agencies a 90 day late payment. We were in forebearance and have never made a late payment. We were blocked from making payments until they removed the forebearance. Once they removed the forebearance, this erroneous 90 day late payment was recorded in XX/XX/2017. Please remove the XX/XX/2017 90 day late payment from all credit bureaus.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX
Product: Student loan

American Education Services , INC, has serviced my consolidated loans, which prior was XXXX XXXX XXXX. The lower interest rate offer is for direct payment XXXX from an authorized checking account since XX/XX/XXXX and after a year of on-time payments the percentage rate was decreased to 3 %. From XX/XX/XXXX-XX/XX/XXXX there has been automatic on-time payments. I traveled for my brothers wedding in XX/XX/XXXX where an unauthorized transaction caused my account to overdraw and my overdraft protection did not cover. I made the payment as soon as I was made aware of the situation 22 days later and called AES Inc. The account was reflected as up to date and current. They continued to draw payments from my account. My XX/XX/XXXX statement shows that my rate went from 3 % to 4 %. When I called AES, they would not discuss my rate being returned to the 3 % rate and offered to send me a copy of the promissory note. The promissory note did not show the original terms of the agreement. They have increased my rate without an explanation and exact verbiage to show that the rate would increase. The letters they showed me does not discuss the details only an increased rate to 4 %.
Product: Credit reporting or other personal consumer reports

someone opened up a line of credit and a checking account at JPmorgan chase in my name. It also showed up on my credit report. I called chase bank and they were able to I called XXXX to have the fraud alert put on account and to have the inquiry removed.
Product: Debt collection

On Tuesday, XX/XX/XXXX, I paid the settlement amount with a zero balance owing to Portfolio Recovery. They assured me they would contact their attorney, XXXX XXXX, that filed a lawsuit against me to tell him the debt is no longer owed and the arbitration does not need to proceed. I called Portfolio Recovery today to make sure they contacted XXXX XXXX to tell him the debt is paid, and now they are telling me it can take up to XXXX hours for them to contact the attorney. The arbitration is set for Monday, XX/XX/XXXX. I sent the attorney and the arbitrator the email confirmation I received from Portfolio Recovery showing the debt was paid and has a XXXX balance owed, but the attorney is not dismissing the case like I was promised. 

Also, I never received any communication about the debt prior to being served with a summons because the attorney was sending everything to an address two cities away from where I live and has never been my address. I was never given an opportunity to verify the debt or negotiate settlement prior to being sued because he was sending everything to a strangers address where I have never lived. 

The attorney is now also trying to sue me for a second debt which I also paid and has a zero balance owed. He sent an aggressive process server to my house today and he came in my side yard trespassing on my property and yelling at me in my backyard. He wouldnt leave until I threatened to call the police. This is for a debt that is already paid and has a zero balance owed.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX- For years I have cashed my Social Security XXXX check at XXXX at XXXX &  XXXX , XXXX , XXXX. The clerk advised their system has declined my check but could not give reason why? 
XX/XX/XXXX- Contacted Social Security Office XXXX , advised rep my check has been declined and is my check valid to cash? Rep advised my check is fine but they have no idea why it would be declined! 
XX/XX/XXXX- Tried new venue, just in case XXXX XXXX check system was broken. 
XXXX 's XXXX on XXXX & XXXX, XXXX NE. Clerk advised my check was declined but this time given receipt to call company Certegy Check Services Inc.. XXXX. XXXX XXXX, XXXX, XXXX, XXXX and clerk advised company will fix my problem. 
XX/XX/XXXX- Telephoned Certegy Check Services but was only automated and required my SSN #, Driver 's license #, address, and confirm my phone number. No option to ask what this company is and became scared and hung-up! 
XX/XX/XXXX- Went back to XXXX in XXXX again to request reason why my check declined, so clerk processed check and system declined check. Clerk could not give any information but this time given receipt to Certegy Check Services at XXXX. Looked up company on internet and got a telephone # of XXXX, Got thru to rep and had to give my driver 's license #, social security #, address and transaction # and banking routing number and check number. Rep found my transaction and began tell me the company uses several factors to advise merchants on transactions on what checks to honor or cash. My transaction is considered a High RISK FACTOR! I advised rep my check is a Social Security XXXX check and why is it a risk factor it is a government check. Rep could give reason for that is not job and that all the information she could give me, Requested from Certegy Card Services to send formal letter to my home explaining everything she just told me. Rep took my address and said she will send letter. Also requested any information given by me will not be given to any other company or used for any other company. Rep said that Certegy Card Services do not give information to any other company. Also requested reference number for this call gave caller ID # of XXXX. Also asked several times that this call is being recorded to make sure my information will not be given or sold. Rep verified call being recorded and will send my formal letter. 
XX/XX/XXXX Called Social Security XXXX Office and asked again is my check good! Told my check is fine. 
XX/XX/XXXX Call U.S. Treasury XXXX, To verify my check is good and to verify my waiver to receive check still valid. Everything is fine. 
XX/XX/XXXX- Have no money for my XXXX and I. I am becoming overwhelmed with stress and can not pay my rent, bills or get food. My health is becoming XX/XX/XXXX XXXX  and causing undue hardship in my household. I need help as soon as Possible.
Product: Credit card

XX/XX/2015 both Bank of America and XXXX credit card balances were paid off by XXXX company in which I am paying them off in the form of a loan. The payments to the banks were considered a charge off and XXXX balances exist on both banks yet they are still leaving negative comments on XXXX, XXXX, and XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank. I am requesting that the negative comments be removed from my credit reports since a settlement with both banks was commenced on XX/XX/2015.