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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of this debt from Jefferson Capital system LLC in the amount of {$970.00} & my name is totally incorrect on this debt & it doesn't belong to me. I would like for this debt to be removed from my credit asap.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the issue of fraudulent items on my account. Regrettably, despite my persistence and your assurances, the problem remains unresolved. 

Despite my efforts to report and rectify these issues promptly, the fraudulent items persist, causing significant concern and inconvenience. 

I urge you to escalate this matter immediately and take all necessary steps to investigate and remove the fraudulent items from my account without further delay. Additionally, I expect transparent communication throughout the process to ensure that appropriate measures are being taken to prevent similar incidents in the future. 

Furthermore, I request compensation for the inconvenience, stress, and potential financial harm caused by these fraudulent activities and the prolonged resolution process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX sent an email to me, saying that they noticed, that all my bills are paid on time ; yet they continue to keep my credit score low, so they can offer High Interest Rate Credit Cards!!!!!

This is wrong, and I'm experiencing this problem on all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America continues to report an account that I previously disputed.The account number # XXXX shows on my XXXX credit report as a charge off.Bank of America has received the tax benefit of the charge off, yet is still reporting it.A 1099 C means that the debt is distinguished.Some courts have found that it is unfair ( inequitable ) to allow a creditor to belatedly enforce an alleged debt after it has received a tax benefit which makes it unfair to allow the creditor to enforce it's claims against the debtor.Bank of America also took over {$14000.00} from my bank account ending in # XXXX, while the alleged debt was in dispute status.XXXX can not verify this debt, Therefore it should be removed immediately.
Product: Checking or savings account

This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens.

2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times.

4 ) Theft of the funds held in my account from me. 


I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract. 

This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so. 

I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement.

I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been getting letter on XXXX XXXX about that i can not open a bank account because of check fraud and i never done that in my life and someone is using my information and i dont even know who is doing that i just want to clear this problem because it is affecting my life and parents keeps asking about it and i don't want to be in trouble for this. I need to have a good record and credit score. I need to open a td bank account but i can't not do that because of this issue and also it always come up in the system when one of the banks put my information in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was tonight alone because my identity can not be verified XXXX XXXX XXXX reported this information. 

I sent a request to find consumer file disclosure too XXXX XXXX XXXX, XX/XX/2018 The representative XXXX XXXX XXXX inform me my Clarity consumer disclosure would be sent in the mail and I would receive it in 5 - 10 business days This was a misrepresentation. What I received in the mail was a response to my consumer request this letter says the " action requested Clarity consumer disclosure. '' It also says the " action taken was Clarity consumer disclosure. '' Furthermore, it reads " we provided you with your Clarity consumer disclosure and or credit score '' this is a false representation because in this mail piece I did NOT receive my consumer disclosure I received a dispute form and then a contradicting letter telling me additional information is needed. 
Thus I will be seeking damages.
Product: Credit reporting or other personal consumer reports

The report on my credit shows only 1 that has it on my report but the other reporting agencies have nothing plus using my report in a improper use is a clear violation According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

An account which should have been deleted is still showing up on my Experian report. I tried to submit a dispute, but I do not believe they properly looked at the evidence that I submitted to them. This debt was originally held by XXXX XXXX XXXX XXXX, I sent them a debt dispute letter with the following terms with a certified letter " If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased ''. In the attached PDF they admitted that they never responded nor validated the debt, and so this account should have been completely deleted, and never sold to another company. This new debt collection company XXXX is basically trying to collect on a debt that XXXXXXXX XXXX  XXXX XXXX agreed to close.
Product: Debt collection

XXXX XXXX  informed me I needed to settle a credit card payment. I was able to successfully settle this with SRA associates and Im requesting that my credit report be returned to its previous status and that the delinquency notice be removed.
Product: Mortgage

My mortgage has been sold 3 times in the last 2 years so I have no choice to be a consumer of Provident Funding. I have never in over 15 years made a mortgage payment late, however this past XXXX I submitted payment on the XXXX which is the last day to pay without an imposed fee but my payment was not recognized in the online system before the cut off time that day and my payment was posted the next day, the XXXX resulting in a {$40.00} non negotiable late fee. My reason for the late payment was beacuse I was in the hospital in the begenning of the month XXXX XXXX XXXX XXXX XXXX  and due to the circumstances it accidently slipped my mind to submit the mortgage payment earlier. I called Provident Funding customer service tto explain this and I was told that their policy is -- no exceptions. This company already makes monthly interest off of me and I don't believe it is fair for them to receive an additional {$40.00} for the payment being received less than a couple hours after the close of the business day escpecially if the reason for my late payment was due to a life changing event such as XXXX XXXX XXXX. Have some compassion -- instead this greedy company is more interested in charging me a fee and furthermore I am forced to be their customer unless I want to spend thousands of dollars to refinance my mortgage to get a different mortgage company, maybe one that does have late fee forgiveness for those that might need a " free pass '' once a decade. Life happens. I don't think it is appropriate for a mortgage company to capatilize off of these type of scenarios when the consumer otherwise makes timely payments.
Product: Credit card or prepaid card

I was under contract on condition of XXXX  and experienced bank fraud, mail fraud, identity theft. I discovered what was happening and tried to dispute my claim but the bank deprived me of my rights under XXXX of law. I sent a civil complaint to the attorney general as other banks including this one are involved. I am giving the bank the opportunity to view my civil complaint and to remedy the damages that were done and to return all funds to me. I am still being extorted for counterfeit debt and my financial assets are drained. This is a controversy and conspiracy of authorized agents being complicit in active fraud and not helping consumers. They do not know the law and the rights of a consumer and need to be investigated.
Product: Debt collection

Dear Sir or Madam. 

XXXX XXXX XXXX has put a collection on our credit report for a service that they did not provide. 

We went to this facility to measure my daughter for contact lenses. They gave us a prescription that turned out to be incomplete and tried to charge us for the service. 

When we went to purchase the contact lenses from the store we were informed that the prescription was for a regular eye exam and did not contain the contact lens measurements required to order contact lenses. 

When we went back to the facility they told us they can't measure for contact lenses. We only went to the facility because of the contact lens measurements and stated as much in the beginning. If they had let us know they could not provide the full service, we would have never agreed to an exam. 

We ended up having to go to another facility and pay for proper contact lens measurements. 

Address of Physician XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, New York XXXX
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX account on my Transunion and XXXX credit reports for failure to report notice of dispute within the guidelines of the FCRA. The investigation results repeatedly came back stating that the XXXX XXXX account was verified as accurate even though no notice of dispute was updated.
Product: Mortgage

LoanCare , LLC did not take care in handling my insurance premium. 

Around XX/XX/21, I received a copy of my homeowner 's premium and annual renewal bill from XXXX. I immediately uploaded a copy for LoanCare using their online portal. It took them a while to get the new premium reflected. The premium was due on XX/XX/21. As we approached the month of XXXX, I called LoanCare to inquire on when they would pay my premium. They assured me they would pay at least 3 weeks prior to the due date. In this case, three weeks prior is XX/XX/21. On XX/XX/21, I called LoanCare to inquire why my premium still had not been paid. According to the online portal, they had no issued a payment to XXXX from my escrow. The lady on the call also confirmed that. At that point, I demanded she issue a check. She agreed. My online portal account reflected a payment for {$1800.00}. Unfortunately, I waited about 2-3 weeks and XXXX had not received the payment. On XX/XX/21, my premium remained unpaid. XXXX said I either need to make payment on my own or face cancellation of my policy. In this case, I had to make my own payment as LoanCare was unable to pay the bill. On XX/XX/21, I call LoanCare to inquire on what happened to my payment. They pretty much explained to me " you happen to fall through the cracks and are an extremely rare exception ''. So they admitted they were guilty for not paying. I was pretty frustrated, so XXXX ( insurance supervisor ) said I could drop my escrow account if I would rather I make timely payments. I filled out the online form per his advice. I submitted the online escrow cancellation form on XX/XX/21. Never received any updates via email. So I called on XX/XX/21 to inquire. They said it was being processed and a decision would be rendered on XX/XX/21. On XX/XX/21, LoanCare made no attempt to call or email me. I called them on that date and the customer service reps along with the supervisor said " they can not tell me what happened '' but a letter is being mailed via XXXX. Agent tried to spin it as the letter would be there in 2-3 days. Letter arrived on XX/XX/21. Letter stated that escrow account would be closed on XX/XX/21. As of XX/XX/21, escrow account remains still open with a balance. I called LoanCare on XX/XX/21 and they said they may start the processing on XX/XX/21, which contradicts the letter sent. In summary, a ) LoanCare does not make timely escrow payments and maintain accurate records of insurance payees b ) LoanCare fails to communicate status of a ticket opened via the online forms c ) LoanCare does not process requests on dates promised.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in the unauthorized use of my personal information. As a consequence, there are fraudulent accounts and inquiries on my credit report that were not authorized by me. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file.

Fraudulent Accounts to be Deleted : XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$1700.00} XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/XXXX {$0.00} XXXX. XXXX ( Account No : XXXX ) XX/XX/XXXX {$0.00} Fraudulent Inquiry to be Removed : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS # XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, us  bankruptcy # XXXX Inquiries that wasnt authorized by me. 
XXXX. XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my trans union credit report on XXXX XXXXXXXX and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general after any reinvestigation under paragraph ( XXXX ) of any information disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing inaccurate information about me on my credit report. 
Experian and XXXX  Both reporting inaccuracies. Ive disputed twice and still reporting verified.