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

On XX/XX/2023, I sent the attached request to XXXX XXXX and they received the request on XX/XX/2023. I have not received any correspondence back. The information in my consumer report is reflecting inaccurately. I would like this account to be investigated as according to my records it is reflecting inaccurately and I havent been able to get in contact with the creditor.
Product: Checking or savings account

Capital One waited until a full day into an outage to alert customers that their paychecks were not being processed. Direct deposit is apparently down and they claimed that it would be fixed by Thursday night or Friday morning at the latest. Theyve provided no additional updates, it is now Friday afternoon and they still have not fixed the issue. This has caused multiple bills to be late. On top of this, they have a support page on XXXX called ask Capital One in which they completely ignore everyones please for their money, and keep providing generic statements that theyve already provided. The company said that this would be fixed and it is not fixed. At this point, I believe this constitutes paycheck theft. My money was paid out to me and yet I have no access to it. I have bills to pay, and if I incur any late fee fees, Capital One should be responsible for them all. And that goes for the hundreds of thousands, potentially millions, of users that are impacted right now.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was chargers fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 reporting or other personal consumer reports

Took out a loan to attend XXXX driving school through my local community college.. Well they ended up not providing my training and instead they sub contracted me out to XXXX XXXX XXXX  an unaccredited for profit training company that has since gone out of business.. I wrecked my truck and had a XXXX child that is now on XXXX and it has been very hard.. We ended up filing for bankruptcy and included these loans which there was 2 from XXXX XXXX The loans are listed on my Creditor list and all were discharged.. They continue to try and collect and have resold the loans several times.. Every time i dispute them they pretend they are qualifying student loans that have protections and should not be dischargable.. These loans are dischargable and i can not get help from anybody even after showing them the list of creditors included these loans and explaining they were not actually qualified educational loans that should be protected from bankruptcy discharge.. Recently one of them was sold to XXXX XXXX and has destroyed my credit yet again.. Please help me..
Product: Debt collection

1 of 1 Credit Credit Monitoring Alert Negative Account Change Creditor ALLIANCE COLLECTION AG XXXX XXXX ( XXXX ) XXXX Contact Address XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX company never sent me anything at all just states i have debt straight to credit angencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : EXPERIAN, XXXX XXXX, and XXXX 1. Bankruptcy deleted from my Experian report as being not verified ( satisfied with that outcome ). XXXX XXXX and XXXX  refuse to delete and still write me back as verified! and still reports verified after several letters since XX/XX/XXXX sent to them by me from XXXX from XXXX XXXX and Bankruptcy court ) not verifying the information. 
2. Experian reports : These accounts on several reports now and years ago as closed, discharged in a bankruptcy, open again, to closed again making my score drop significantly low! 
A. XXXX XXXX XXXX : late payment remarks ( I do not have this account so why is late payments being reported ), under a bankruptcy ( says verified but I have written and sent letters from third party agencies and bankruptcy court saying they do not share this information )!, Experian deleted the Bankruptcy! XXXX  continues to report this account as having a balance, using 49 % of my account limit which I do not have, charge off ( I do not have any charge offs ), an a open account ( big error ), all inaccurate, late payment remarks shouldn't be, XXXX  have closed, reopened, and closed this account, false remarks on many reports before and now! causing a drastic drop in my scores! XXXX XXXX is reporting Chapter XXXX ( not verified XXXX the latest was XX/XX/XXXX. 


B. XXXX XXXX  XXXX credit card ( XXXX ONLY ) I stress XXXX because an investigation was done on my open XXXX  XXXX account of XXXX in error by the bureua ( XXXX  XXXX!!! 
XXXX  has reported this account several ways from XXXX as in a bankruptcy ( not verified ), and closed by consumer which is it? Please delete! Experian reports its in a bankruptcy ( a bankruptcy that they couldn't verify so it was deleted from there reports )! and so does XXXX XXXX! 


XXXX XXXX XXXX : Reports as closed on my Experian report ... XXXX  : shows as a open account on my XXXX  report : I do not have an open account with XXXX premiere! It was first reported as verified in a bankruptcy in previous reports which is it??. XXXX XXXX reports it as in a Chapter XXXX bankruptcy ( not verified ) I sent documentation to them as well! 

XXXX XXXX XXXX XXXX XXXX : Credit bureaus have reported previously discharged in a bankruptcy ( unverified ), and now this account mysteriously reporting open on my XXXX  and Experian reports..I do not have this open account!!!!!! ( Not accurate should be deleted ) its reading I am 30 days past due on this account, seriously deliquency60 days past due or more, verified by furnisher as an open account! ( inaccurate )!!!!!. These remarks and reports are wrong should be deleted! and my scores restored. I have dropped over 20-40 points with this wrong information back and forth on my reports, opening accounts that's closed, reopening them again, only to later give remarks as charge off, bankruptcy or whatever comes to their minds at the time!! If the bankruptcy can't be verified delete it and any said accounts associated with them!! 




Thank you for any assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. Subsection 4.- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

Navy Federal Credit Union has overdrafted my accounts more times than I can count even though I have overdraft protection set up, causing me to get overdraft fees repetitively until I can get paid again. My account is currently XXXX which is an overdraft fee.
Product: Money transfer, virtual currency, or money service

I was promised concert tickets so I sent the money via XXXX. Never got the tickets and have proof of the promise of tickets and my bank is unwilling to help get my money back because they say I did authorize it. Which yes I was stupid and fell for a scam but there should be no reason I can not get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter as well to XXXX XXXX XXXX mailed certified XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from XXXX XXXX XXXX  are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I check my credit report to find that there was unauthorized inquiries on my report as well as addresses that I have never lived at please remove all of the inaccuracies.
Product: Credit reporting or other personal consumer reports

Equifax continues to report inaccuracies and incomplete information in my credit report that remain unresolved, despite my previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Equifax is required to perform a reasonable reinvestigation when a consumer disputes the accuracy of information. They are not supposed to blindly and automatically " verify '' information that still reports inaccurately.
Product: Credit reporting or other personal consumer reports

I'm applying for a XXXX credit card. It requires my reports to be unfrozen.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint before only for you guys to close complaint cause the credit company sage stream reached out one time leaving a message for it basically end in same results .. I even filed online to receive my report ( got the info that says it was accepted ) ( screen shot ) and still nothing so what the excuse now? .. also still cant ever reach a person on the phone from sun up to sun down its automatically sends you to a voicemail that promises to get back to you in 24 hours ( nothing ) .. this is a is beyond baffling to me to receive a report and to place a freeze I have never been through any of this with other credit agencies and you allow this company to run ( something isnt right )
Product: Prepaid card

My name is XXXX XXXX, my email is XXXX I requested this Netspend send me my statement because my old email was no longer working, i provided my social security number and date of birth and pervious address to verify the transactions, but they refused to give it to me. saying i have to remember the last few transactions i placed, which is ridiculous, if i remembered every transactions I placed back in 2022, why do i need to request statement from them. I am old person as well. I doubt anyone can remembers out of their head which date and what amount they spent!!! Please help me contact netspent send me all my statement for my account ending in XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/15 at XXXX I sent {$300.00} through MoneyGram , sent it to the bank account of recipient as done before. On XX/XX/XXXX around XXXX, recipient called me and stated she had not receive the money. She called her bank and they research and could not locate the deposit. I called MoneyGram around XXXX, waited over 20 minutes for an associate. I was not satisfied with answer provided, asked to speak with supervisor ( XXXX ), he stated that their system shows it has been deposit, then came back and stated that there was a delay and they will have to open an investigation which will take 90 days to resolve!! They will not give me my money back until after their investigation about 90 days!! This is ridiculous, I need that money for my family and MoneyGram is not giving it back. With this situation ( pandemic ) my family needs the money for medicine and how am I going to be able to get another XXXX just like that?? I believe this is an abuse to the customers, however they are using our money but in situations like this ones at the moment it's not even humane..If there is a delay then the money is there with either MoneyGram or the bank but neither one of them can't locate it???? 
This is not fair, we all work hard to support our families and needs, I will never deal with any financial institutions like MoneyGram.. used them for years!
Product: Vehicle loan or lease

I, am familiar with the facts recited below ; and hereby declare under penalty of perjury that : XXXX XXXX XXXX XXXXXXXX am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy and be secured in my property. As living beings, we do know and defend our unalienable rights at all points in time and are willing to express those rights if need be. 

" A loan may be defined as the delivery by one party to, and the receipt by another party of, a sum of money upon an agreement, express or implied, to repay the sum with or without interest '' XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX. Also see XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and United States v. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 

The word 'money ' in its usual and ordinary acceptation means gold, silver, or paper money used as a circulating medium of exchange ... XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX " A promise to pay can not, by argument, however ingenious, be made the equivalent of actual payment ... '' XXXX XXXX XXXX, XXXX P XXXX, XXXX Utah XXXX. 
" A bank is not the holder in due course upon merely crediting the depositors account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX A statement is a document outlining all outstanding unpaid invoices. Unlike invoices, statements are typically sent or made available at certain intervals. Statements are traditionally informal. They're used primarily for informational purposes because a customer may pay an invoice while a statement is in transit. A statement of account is not an invoice.

An invoice is a formal document outlining amounts owed, details about the transaction, cost per hour or unit, and more. Invoices also typically outline payment requirements.

Chase has been using the USPS to send financial statements of account coercing me to pay an unlawful debt when they were credits on the account from my social security trust account that I am the custodial trustee holder and beneficiary. The initial indorsement of my signature literally paid for the consumer transaction to be funded ( Cf. 12 USC 412 ) and what was occurring is, credit of account, growing interest to which, I am due yield on the investment ( Cf. 26 CFR 1.148-5 ). As a result, statements always come in a positive amount and not in any negative amounts, as federal reserve notes are only promissory notes ( promise to pay ). Chase unlawful took money from me and illegally repossess my vehicle when there was never a bill due and violated their fiduciary duties.
Product: Debt collection

I was sent a collection notice from SCA Collections in North Carolina for an amount due to XXXX for pathology in XXXX 2017. The amount is not disputed ( {$200.00} ) however the method at which XXXX conducted themselves should be examined. 

I never received an invoice from XXXX, I thought they were just behind in their billing and expected a bill to arrive soon. What I received was a collection notice threatening to tarnish my credit history. I question the relationship between XXXX and the pipeline of unsuspecting patients like myself who find themselves thrown into the seedy practices of a collection agency. 

Without hesitation, I paid the amount of {$200.00}, it matched what my health provider estimated would be my portion. After paying I now question the tactics used by XXXX in conjunction with SCA Collections. I 've been compromised, my personal information and credit history have now been put at risk. How do I know that SCA is legitimate? No bill or communication was ever received from XXXX that they were sending this to a collection agency. This is foul play.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion stating that the all of the credit Inquiries, except for XXXX XXXX, on my credit report were NOT authorized by me. I asked Transunion to delete the fraudulent inquiries, but they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Product: Money transfer, virtual currency, or money service

paypal is charging my paypal credit instead of the preferred payment settings, which is my checking account, they started doing this once I got the credit card and the preferrerd payment is set to checking account, they stated so internal security would let it go through my checking account so they choose to use the credit card, started back in XXXX of this year, my checking account has been confirmed and used before I got their credit card, they doing this to make me pay interest on the card
Product: Debt collection

Audit systems inc contacted me claiming they were debt collectors and used the name of a medical company I actually get supplies from. They said they were the second collection agency to receive my account. They wanted my credit card number to pay the debt. However, I did not owe anyone anything. They called me on XX/XX/XXXX, and I finally answered after receiving many more phone calls. They were very rude. I did verify my name and provided my address. Then, I realized there was no way I owed any money to a debt collector, as I always pay bills on time. Once I refused to cooperate further, they were very rude.
Product: Credit reporting or other personal consumer reports

On my Transunion, XXXX, and XXXX Credit score does not goes up, when new accounts added to credit report. Also, XXXX XXXX  account was removed from my Transunion and XXXX credit report without my knowledge. I'm requesting for thee XXXX to be added back to my Transunion, and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

Account Name :XX/XX/XXXXXXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.
Product: Mortgage

Company is my second mortgage serviced by. 
Capital for change I made a payment of {$76.00} And was informed they could withdraw with automatic payment so the following month they withdraw the ongoing payment and keep placing miss payment for the same missed payment from the date it was missing yet taking the present month payment instead of just withdrawing the payment for the missed payment so they reported I missed 3 payment And I have since filed for bankruptcy and they never reported my discharge to credit reporting agency which its a burden to me and my family as Im since then when I see the missed payment I called and payed they said they will inform credit reporting company of the way their payment proceses payment not just keeps making it missed payment every other month when it was for a specific month The month they said they did not process was XXXX XXXX the XXXX then on for the same payment again XXXXXX/XX/XXXXXXXX the XXXX and XXXX XXXX XXXX yet they did Receive the payment for those months stated above. So its reported I missed 3 payment which is incorrect.
Product: Vehicle loan or lease

This car payment have put in stressed mode payment {$470.00} almost XXXX facing severe financial issues hardship had XXXX deaths in my family and it's getting out of hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/2022. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX