23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been fighting reliacard now for 2 years to get my funds that were sent to me from child support. I have contacted the state and my worker who has sent the requested info for the deposit made to the reliacard company but we're never credited to my card.. 8 transactions in XXXX and XXXX totaling {$1200.00} The child support agency has sent the 8 payments I have been XXXX  since XXXX and this should have helped prevent that. I will be getting a lawyer after this and sue for damages and hardships if tho is not resolved
Product: Debt collection

Performance transferring the principal to the principal account for the principal. 
Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington XXXX District of Columbia, or at any Federal Reserve bank.
Product: Credit reporting or other personal consumer reports

XXXX and Experian are both reporting an alleged collection that is accurate : they have provided no evidence to prove that this collection belong to me.d I demand that they both produce the documents they used to verify this information.
Product: Debt collection

XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX  days ago ) to XXXX, XXXX, XXXX XXXX PM, XXXX, XXXX, XXXX, XXXX This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX and XXXX XXXX at XXXX trailwood. 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX XXXX  a penny or what they let happen to me at XXXX XXXX is the most demonic sick thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  # I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their NMLS, the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX
Product: Mortgage

Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..
Product: Credit reporting or other personal consumer reports

I am a survivor of human trafficking, during which I was subjected to coercion and exploitation. As a result of this experience, several adverse credit accounts were opened or debts were incurred without my consent or knowledge. These accounts have caused significant financial and emotional hardship. 

I am requesting the removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ). The accounts in question include [ e.g., XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX, etc. ], which I have detailed in my supporting documents. 

I have attached a Victim Determination Document ( VDD ) issued by a recognized XXXX certifying my status as a trafficking survivor, as well as additional documentation to support this claim. I ask that these accounts be blocked and permanently removed to reflect my rightsasasurvivor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my account had a collection added, I have never entered into a contract with Covergent outsourcing. They have not mailed anything to my house, and they've never been given any ofpersonalinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported a late payment to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding errors and inaccurate reporting on my credit file. These discrepancies highlight significant inaccuracies in how these negative items are being reported across the XXXX bureaus. XXXX has already deleted most of the disputed items, leaving only XXXX remaining, while XXXX and Experian continue to report conflicting details.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} ; XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION XXXX XXXX XXXX XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
Product: Vehicle loan or lease

The account was charged off as bad debt it was a taxes write off for the company so I know longer own the debt plus the company did n't verify the account in the first 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, several complaints were filed with CFPB on behalf of inaccurate PUBLIC RECORDS appearing on TransUnion, XXXX, and XXXX Consumer reports do to IDENTITY THEFT. 

CFPB COMPLAINT XXXX CFPB COMPLAINT XXXX On XX/XX/XXXX, TransUnion, XXXX, and XXXX have refuse to respond with accurate method of verification to CFPB as feedback to Consumer complaint. 

TransUnion, XXXX, XXXX all are liable for willful non-compliance according to FCRA 15 U.S. Code 1681c 2.

They are in federal violation and refuse to Block information resulting from Identity theft. 

Consumer issued required documents in XX/XX/XXXX, that consist of FTC complaint, Identity Theft police report, a letter from US Bankruptcy Court, and Data Furnisher stating Consumer PUBLIC RECORDS were deleted do to violation of the FCRA. 

After extensive research The Bankruptcy Court sent Consumer a letter stating they have no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. Consumer discovered Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a previous complaint against XXXX and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.
Product: Mortgage

We started to Refinance our rental home in XX/XX/XXXX after receiving a letter in the mail with the amount they can save us on payments. 
We are still in this process and we are constantly sending information over to the underwriters. Every couple months we are resending bank statements, P & L from all of our businesses. In XX/XX/XXXX we have a new loan processor and she requested items that we had already sent but we sent again. In XXXX they requested our XXXX XXXX 's. We sent them our tax forms that we file to the IRS and are completed by a certified accountant. My husbands computer crashed and now they want to request a copy of the W2 's from the IRS. So we signed the papers in XX/XX/XXXX for them to get copies of the W2s. After sending more bank statements and P & L statements for our multiple companies and all bank account information again in XXXX. Now they have assigned the house to be appraised again ( we had this completed in XX/XX/XXXX ) On XX/XX/XXXX we and to send all of XXXX statements again and then they had to run our credit again on XX/XX/XXXX. Of course by now my husband had to purchase a new bus for his business and we have to submit all of this paperwork. Then on XX/XX/XXXX they want all current pay stubs and information on a previous employer for my husband. XXXX XX/XX/XXXX they also wanted a release to check our credit report ( they already did this we get the notices ) so we sign this after the fact! On XX/XX/XXXX they needed more information and we did not respond because our son was getting married. My husband did send them the information on XX/XX/XXXX and then on XX/XX/XXXX requested the same information. And today they requested more bank statements and P & L for our businesses and for us to sign another form to request more W2 's from our taxes in XXXX and XXXX 's again. I believe this has all been a stall tactic because they hold our loan at a higher rate and we received the letter to receive part of the refinancing at no charge. Now to switch to another lender we will not be locked in at this low rate. This company is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!
Product: Checking or savings account

I deposited a XXXX XXXX money order. To my chase account. XX/XX/XXXX. 

Within a few days my account was put on hold saying the check was fradulent. 

I called the bank and was told when they can have the check cleared then I can use my account. 

They said this will not happen until XX/XX/XXXX I have used this XXXX XXXX and money orders many times in this account. 

Two days ago the checked cleared. Today I looked into my account to transfer the funds to another bank account as I am going on holiday Monday. 

Today the account is closed. 
Chase told me that XXXX XXXX can not confirmed this check is not fraudulent and they closed my account and this is a state affair. 

I called XXXX XXXX and there is no problem with my money order and it has been cashed. 

Chase has kept my money and closed my account. 

Please help me. 
Not only did they stop me from using my account over XXXX I now have no money to go on my holiday and they have kept my money and closed my account. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas Equifax, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. Equifax has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
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 transaction were authorized, i was charged fee due to lagged posting of charges and credits. this issue aligns with the recent CFPB finding 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 reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I demand that this Auto loan to be replace back on my credit file this account was deleted from my credit report without my permission I demand it to be added back on my file as soon as possible XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inaccuracies on my credit report. These incorrect entries are severely hindering my ability to progress in life, and the stress they cause is significant. I am unable to move forward with my personal and financial goals due to these issues, and I seek immediate action to correct them. 
I assert, under penalty of perjury, that the following accounts do not belong to me and that these accounts have been opened and/or used fraudulently. As I have been unable to resolve these matters through direct contact with the involved creditors, I now request your urgent assistance.
Product: Debt collection

The XXXX XXXX is Diversified Consultants. This is for a XXXX XXXX bill which I do owe and I will pay. The balance is {$1600.00}. 
I get daily calls from the # 's below which I have blocked but new # 's keep calling me. They do n't leave a voice mail they just keep calling me at the # 's below. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX There are more calls from XXXX, CO, XXXX, CO that have been blocked and some from XXXX CO
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that XXXX is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$820.00} Account Name : XXXX XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed.

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. Kikoff is missing my positive payment history from 2 seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account XXXX XXXX  is missing positive payment history from XXXX as a whole and XXXX is missing XXXX XXXX XXXX 

XXXX XXXX  XXXX is missing positive payment history from 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 update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely. 

I have already reached out to Kikoff suppourt team and the ticket number is XXXX