23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX HAS INSTRUCTED A 3RD PARTY TO PUBLISH A DEBT THAT IS NOT LEGALLY OWED. This is a Violation of the FDCPA and contempt of Court of the Federal BK Discharge. That XXXX has instructed a 3rd Party to POST ONTO MY DOOR THAT I OWED MONEY OF {$650000.00} when I do not. They have caused to tarnish my reputation, Cause Slander to my Title and this is libelous. They had instructed an Auction Company named as Quality Loan Servicing to Publish this Debt as owed - They instructed XXXX as Attorney 's to Publish a Debt that they knew was no longer considered as owed given the discharge. Then on top of this - during a work out request had wrong figures from prior - during an open dispute acknowledged the dispute ; moved to set a Sale Date by Posting NEW FIGURES AS CLAIMED AS OWED. This is not true this is illegal collection practices. There is an open CFPB Complaint at this time on XXXX for having not credited principal payments made prior to this entire fiasco with XXXX. XXXX has an open dispute since XX/XX/2017 and however during this open dispute since prior to this date - XXXX went behind my back to file a Sale Date AND POST AND PUBLISH FIGURES THAT I DO NOT LEGALLY OWE AND WRONG FIGURES from priorly been claimed pre-bk. That this is tarnishing my reputation and against the FDCPA given that IF they are claiming a power of Sale then they can not make up numbers being owed that are not owed. They can not claim ANY Debt is owed and Can not continue to harm me in this false and illegal claim that violates the discharged figures. This is absolutely causing harm to my well being and has caused immense harm. The unfair business practices are non stop. XXXX failed to provide my mailing to the 3rd party so that this caused the posting to be published in a XXXX page separately posted to further cause embarrassment and ridicule. Posting a Sale and making False Claims. This caused the 3rd party to PUBLISH INTO THE XXXX NEWSPAPER THAT EXACTLY WHERE MY CLIENTS ARE LOCATED. THIS IS RUINING MY BUSINESS PROSPECTS AND FURTHER PUBLISHING A DEBT CLEARLY NOT OWED. 
This firm has been non stop burying me in paperwork. IN the meantime - The Debt being published claims I owe : {$650000.00} when I dont legally owe this. This is Illegal to publish this as a debt owed. These are slanderous and libelous acts to cause harassment. Their has been no good faith efforts by XXXX NOR XXXX. This has been extensively cruel, abusive and illegal. The facts remain that this shoddy servicing has only caused harm to my property, my property rights, interfered with income and reputation on every scale. During an open review they posted and published this and have continued to act in deceptive ways to cause me harm to my well being.
Product: Credit card

Dear U.S. Bank and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee.

Please provide this information as quickly and accurately as possible.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report. They are hurting the ability to obtain credit
Product: Debt collection

On XX/XX/2021 notice was sent to Online Information Services to cease and desist reporting a fraudulent account on my consumer profile. Since that date, they have continued to call and harass me as well as continue to report on my consumer profile. They have provided no contract between myself and their company. They have not provided any proof that I have cause their company financial harm or loss in anyway. This company is attempting to commit fraud and other people should know about their illegal and harmful business tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, EXPERIAN AND XXXX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. XXXX LEFT ONE NEGATIVE ITEM ON MY REPORT AND EXPERIAN LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. XXXX AND EXPERIAN KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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: Credit reporting

My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to XXXX. Experian to remove, till date nothing has been done. XXXX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
Product: Credit card or prepaid card

It is a Credit Card that I use to build credit and put money to build credit did not use the XXXX to start with like they reverse the credit line giving me a balance of XXXX which is the balance that I have in credit not owed or used only used what I put on the card to make transactions.
Product: Checking or savings account

1. Bank refuses to provide access to account statements in violation of the Truth in Savings Act. Bank blocked online access and will not provide an accounting. 

2. Bank refuses to process disputes regarding unauthorized transactions on account. Because the bank blocked access to statements, a timely dispute can not and could not be filed. 

3. A deposit of {$40.00} was mailed to the bank. Bank rejected the deposit, but only sent {$34.00} back.
Product: Debt collection

I have sent company 2 letters asking for validation of debt. I have never received any communication from this company before they appeared on my credit report. Which violates FDCPA 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). The first letter was received by company XX/XX/2016 by certified mail with 30 days to respond with validation of debt, I received nothing, which also violates FDCPA 809 ( b ). Second notice was received by the company on XX/XX/2016, again by certified mail. After they received my second letter they removed their company name from XXXX thus reporting inaccurate information and violating another FDCPA law. Failure to report these accounts as disputed to all XXXX credit bureaus is yet a fourth violation of my rights under these laws. Reporting on my XXXX report they have returned all accounts back to original creditor but not removing their contact info. As if to defraud and confuse me by making me think they no longer hold these accounts and also reporting with a past due amount of {$0.00} and no payment status. This is also inaccurate and untruthful reporting. I am requesting that these accounts associated with this company be removed from my credit reports due to inaccurate reporting, failing to validate all debts associated with this company, failure to respond with validation within 30 days of request, and failure to report as disputed to all credit bureaus. Each violation carries a {$1000.00} fine. Commercial Trade Bureau has repeatedly violated these laws. Commercial Trade Bureau XXXX , CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notification that my dispute results for XXXXXXXX XXXX XXXX account number XXXX were process. With this dispute, I sent proof that the account balance was inaccurate reported. As of XXXX, that account shows a zero balance the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had an extension agreement which means the account is reporting late payments that are invalid. On XX/XX/XXXX I received an additional dispute result pertaining to the same account with XXXX XXXX XXXX stating that account was updated attached below I have shown no updates being updated on this account through Experian. 
I have attached below all extension agreements and a copy from my XXXX account statement, showing a zero balance. The account balance that was reported to Experian which states XXXX but on XXXX transaction history shows XXXX. As of XXXX XXXX there is a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from my credit report 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: Payday loan, title loan, or personal loan

My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on credit report is being reported incorrectly negatively affecting personal data.
Product: Checking or savings account

I get XXXX XXXX XXXX payments monthly from XXXX they sent my monthly payment for XXXX on XX/XX/XXXX because of the XXXX XXXX  holiday it was sent early but i never got it so on XX/XX/XXXX and i called the bank and the social security office but was told by social security that i have to contact bank because the funds were sent to them but the bank says they haven't gotten the deposit so i did a conference call with social security and the bank social security gave the bank a trace number and the agent found the deposit and told me to give it 4 hours and i should see my deposit in my account this was XX/XX/XXXX i kept checking my account and nothing but the bank sent me a email requesting the trace number amount of deposit and deposit date and proof of the deposit and deposit date so i sent them all of this info on the XXXX and again on the XXXX but still nothing so i called social security back yesterday and was told they cant do anything unless the deposit comes back to them so i called the bank again and spoke with an agent to get the status and the agent didn't have any information about my missing deposit I'm very frustrated because i am now homeless i was evicted because i was {$200.00} short on my rent that's why i so desperately needed my deposit please help me
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with XXXX. I have paid off most of the loan on XXXX of 2022 ( {$47000.00} ). There was {$290.00} left to pay for interest. The mortgage statement from XXXX, XXXX, XXXX and XXXX stated that {$0.00} is due. I have statements that show {$0.00} amount due. XXXX however stated that my payment was delinquent and that there was {$290.00} due on XX/XX/XXXX ( despite the amount being {$0.00} on the statements from them ). I did end up paying the above amount on XX/XX/XXXX. Since then my credit score went down by XXXX points and I have one payment that was delinquent. I have tried to reach out to XXXX and sent the images of the statements from them yet they stated that did nothing wrong.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on the account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Product: Checking or savings account

After completing my taxes through XXXX, I opted in to receive my tax refund on a debit card issued by Credit Karma. The advertisement was for 2 features, an advance on your tax refund up to a certain amount, and that you get your refund deposited 5 days early. 

I have received my refund from fed and state, and was expecting to use this to pay a mechanic who only takes cash. When going to withdraw the money, I am hit with the limits in the attached screenshot below. 

These limits are making it impossible for me to withdraw all of my funds and close my account. I would have to go to the atm 7 days in a row or complete 4 bank transfers, each 24 hours apart, just to get the funds that are mine. 

I reached out to Credit Karma support chat and was told they would not increase my limit. I told them this is unacceptable and if they wont increase my limit to send me a check with the funds and close my account. I was told Id need to call in to escalate the case, in which I called 3 times, waiting for an hour on hold with no answer, then 3 hours on hold with no answer, and then 30 minutes on hold the 3rd time I called. 

This is unacceptable and if I would have been made aware of the limit I would not have opted in. The whole purpose of this was to get my refund early and now I will not have access to the funds until well after when I would have received the cash through regular XXXX XXXX in my bank. They have shown no effort to remedy the situation and the second support chat I had, I spoke with somebody extremely unprofessional whos response was Have a nice day when I asked to have my account closed.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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

On XX/XX/2018, I once again attempted to complete a Transunion Fraud Alert online and once again was told " We are unable to complete your request. We are unable to confirm your identity with the information provided. '' This has happened every 90 days I have attempted to reup my fraud alert and Transunion has made no attempt to fix my identity information or offer me any instructions to fix my identity information. I am instructed to call into a line operated by a robot and forced to listen to multiple ads and opt out of paid credit monitoring. Transunion continues to waste my time with these ads and will not fix my identity information. I worry that I will accidentally accept the credit monitoring one day even though I have no intentions of ever doing so. I wish Transunion will fix my identity information so I can request the fraud alert online and not have to listen to the ads on the phone requiring me to opt out of Transunion paid services.
Product: Debt collection

Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need XXXX forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.
Product: Credit reporting or other personal consumer reports

This letter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 and 605 ( b ). I demand the immediate deletion within 4 days of the following inaccurate and unlawfully reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX , as these were not initiated by me. 

I have repeatedly requested purchase agreements, contracts, and any other legally binding documents that tie me to these accounts. Neither the furnishers nor your agencies have provided such evidence. A bill or statement is not proof of liability or authorization. The absence of these documents demonstrates there is no valid basis to report these accounts, and they must be deleted without delay. 

These inaccuracies stem from the Equifax data breach, which compromised my consumer report and exposed me to financial harm. Equifax is directly responsible for ensuring all inaccuracies caused by this breach are promptly corrected. As per FCRA requirements, when one reporting agency removes inaccurate information, the others are obligated to do the same to maintain compliance. 

Additionally, stall tactics such as Oscar and Metro 2 coding must not be used to delay this process. I have included my FTC identity theft report as evidence supporting this dispute. Your failure to provide the requested documents or delete these accounts within 4 days will result in immediate escalation, including formal complaints to the CFPB and legal action to recover damages. 

This is your opportunity to fulfill your legal obligations and rectify the harm caused by your negligence. I expect written confirmation of the removal of all disputed items within the specified timeframe
Product: Debt collection

XXXX XXXX at Thunderbird Collection Services has been calling me from various phone numbers over the past three years in regards to a medical debt owed by my ex wife. I have told him more than once that it is not my debt but him and his company continue to attempt contacting me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.