23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; SELF XXXX XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
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 U.S.C. 1681. 

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 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 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 agency if the person knows or has reasonable cause to believe that to believe that the information is inaccurate.
Product: Mortgage

Ive been trying to pay my mortgage payment of {$1900.00} for the last week but was unable to due to the portal not functioning properly. My due date is XX/XX/23 and today I was finally able to get in but keeps getting an error that says internal server not found. Then was able to finally login but every time I would go to pay it wouldnt allow to submit. I even re-added my bank info in case there was an error. Still couldnt process payment. Called and tried to speak to a representative phone number XXXX couldnt get through to anyone! Tried paying through automated system I am unclear if my bank payment of XXXX went through. I was given confirmation # XXXX but my bank hasnt withdrawn the amount, my portal doesnt have record of it and I did not receive an email confirmation like I normally do. I tried contacting them through the online form but same thing would not allow me to press submit. I do not want this to affect my credit or be charged over in error. 



My XXXX a Lakeview Mortgage Company
Product: Credit card or prepaid card

To Whom This May Concern, I am writing to express my concern that US Bank has unfairly closed my Secured Credit account and made deceptive statements to me over the phone and in at least one letter. 

Specifically, in a letter dated XX/XX/2022 I was informed that my secured card was permanently closed due to the attached secured savings account funds being " garnished ''. 

I subsequently called US Bank to ask for detail and was informed that the account was not garnished, instead, a hold had been placed on the funds until XX/XX/2022. The US Bank representative informed me that my account could be saved if I made payment to the creditor which was identified as the State of California tax board. 

After such a call I immediately made a payment to the State of California tax board, however, my account appears to be having issues online. 

US Bank markets their secured cards as a way to rebuild credit and I took the responsible action to pay the previously unknown creditor at the earliest possibility. However, I am now worried that US Bank is going to take action contrary to their representations of rebuilding credit by closing my account permanently- despite assurances by support staff that the account would not be closed if payment is made immediately.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I refinanced my mortgage with XXXX in XX/XX/XXXX in order to take advantage of a lower interest rate and to lower my payment. My new mortgage payment at the time of refinancing was XXXX per month. This XX/XX/XXXX my mortgage payment unexpectedly increased to {$3300.00} which is an increase of {$570.00} per month. I have contacted multiple people from XXXX and I was told that I would need to contact NationStar as they were the servicer of the Loan. After multiple calls I was able to find out the escrow account was either underestimated, or running negative balance from XXXX of XXXX that was not accounted for when my refinance was processed. This led to me having an escrow shortage of {$5100.00} going into XXXX. Due to the negligence or carelessness of either Nationstar or XXXX ( during origination ) my mortgage payment has now increased 20 % to an amount that is considerably more that it was prior to my refinance. 

Nationstar has given me the option to make a one time payment for the full amount of the shortage or to spread it over the year. Nationstar also mentioned they may be able to spread the shortage over two years but it is still unclear as to what happened and why the shortage occurred. This appears to be a systemic problem as a fellow friend that is a veteran is also going through the same issue with Nationstar. Due to the substantial increase especially during this pandemic this not in the best interest for consumers.
Product: Money transfer, virtual currency, or money service

on XXXX a person was said to sell concert tickets, i asked for receipts to see if they were real. she used someone elses receipts and said that when i sent the money shed transfer the tickets over. i believed her we exchanged information and all, then the next day i see on XXXX XXXXhat the account was suspended and i asked her but she never said anything. it wasnt until i told her that i will make a complaint she made fun of me for scamming me and wont send me the money back. 
i called my bank and zelle but they said they will submit a claim but most likely wont get the money back.
Product: Debt collection

Medicredit did not notify me of any debt and set information to three credit bureaus. 

XXXX XXXX, XXXX  and XXXX.
Product: Debt collection

No Proof of Contract : I dispute the validity of the debt, as XXXX has failed to provide any valid evidence or signed contract showing that I am legally obligated to pay the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, including proof of the original contract, and the debt collector has not provided this information. 

Violation of FCRA Reporting Standards : Under Section 605 of the Fair Credit Reporting Act ( FCRA ), negative information may only remain on my credit report for 7 years. I believe that since no proof of contract has been provided and the debt may be discharged or forgiven, this collection should no longer be considered as valid for reporting.

Debt Forgiveness Under IRC Section 108 : The debt in question may have been forgiven, settled, or canceled under Internal Revenue Code Section 108. Under this provision, if a debt is forgiven, it may no longer be reportable. If this applies, I believe the collection entry should be removed from my credit file. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For more than 8 months, going back to XX/XX/XXXX, I have been unable to gain my Experian credit score. Prior to that, I had a score listed at XXXX. Experian had locked me out from even accessing everything, claiming errors in my address. This can not be the justification, as not having an updated address should not deny a credit score from being provided. As it was, I walked through resetting everything with Experian in XX/XX/XXXX, and the account shows access, but no score is provided. Their default response is " Why don't I have a FICO Score? You might not have a score yet because you've never had your own credit account, you just applied for credit for the first time or you haven't used credit in the last 6 months. '' Now, regardless of whether I have used any credit for a 6 month period, I have always had a credit score before. XXXX and XXXX do not have this problem. I tried to contact Experian again, through email to generate evidence of support of the problem : Experian case number XXXX, sent on XX/XX/XXXX : Dear T* : Thank you for contacting Experian. We received your inquiry and will get back to you as soon as possible. Expect a response within 2 business days. 
For reference, your case number is XXXX. 
If youd like more information in the meantime, visit our Help Center : https : //usa.experian.com/member/help-center. 
Sincerely, Your Team at Experian... 
On XX/XX/XXXX, a response was forwarded to me from Experian on the case : Dear T*, Thank you for contacting Experian. I understand your concern how important your score for you and would be happy to assist you. 
Your score may not be available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over 100 accounts on it A creditor has reported you as deceased " No activity reported to bureau within past 6 months, does not include disputed information '' If you think there is an error in your credit report, you can file a dispute : https : //www.experian.com/disputes/main.html. 
You may learn more about credit at https : //www.experian.com/blogs/ask-experian/. 
I hope this information has been helpful. We hope you have a wonderful day. 
Thank you for choosing Experian. 
Sincerely, XXXX XXXX. 
Your Team at Experian -- - Clearly there are problems here, since there is no way I should not have a credit score with more than 35 years of credit history behind me. I am XXXX XXXX XXXX. After dealing with this for an extended period of time, with multiple failures on Experians part to provide an accurate credit score for me, I wish to file a formal complaint to help rectify this.
Product: Checking or savings account

My account was closed by the company XXXX XXXX Banking XXXX unexpectedly on approximately XX/XX/XXXX. The remaining funds I had in my sons & my account have not been given to us. The company sent us an email saying the funds are frozen now. I need to get our money back ASAP. And I would like a bank statement showing all of the moneys that were moved around to make sure we received it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024 I SENT A REQUEST TO ALL THREE BUREAUS ( XXXX, XXXX, TRANSUNION ) requesting an investigation into items i believed were inaccurate. I have not received any response or acknowledgement that the investigation has begun.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXX XXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record EQUIFAX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXXXXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX  ( Original Creditor : XXXX  ) Account # : XXXX Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$0.00} - Bankruptcy XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection Bankruptcy XXXX  XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - Collection XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

Hi to whom to may concern. I work in the state of Iowa as a XXXX XXXXXXXX I applied for direct deposit but it takes time. So I got a government check I deposit to my account it was accepted and the balance went up. Then Citi bank locked my account and said the check is fraud and closed my account they took my money and closed my account. Also I have all the voice recordings and transcript I can gladly send its a lot of them
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX   XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 Balance : {$710.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX  XXXX Balance : {$140.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$710.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that Equifax remove a XXXX XXXXXXXX XXXX  inquiry from my Equifax credit report. Equifax stated that their investigation concluded that the XXXX XXXX inquiry did in fact belong to me, and that the XXXX XXXX credit inquiry will remain on my Equifax credit report for two years. I have a letter from XXXX XXXX stating that a fraudulent account had been opened in my name, and that the XXXX XXXX account is not mine. Therefore, I feel the XXXX XXXX inquiry should not continue to be displayed on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9100.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )