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

Each month even know I have made all payments and even paid off the card and keeping balances low they keep decreasing the credit card limit on the card which consistently ding my credit score. These are unfair business practices for honest working consumers who are truly trying to improve their situations. I have paid off all credit cards in XXXX which I know my score is XXXX now and improving as I am in the process of purchasing a house. Once again this card lowers my limit after making all this progress on improving and being a responsible person with credit. Does not seem fair or right. Called and the only thing the representative would do is send a request to increase, which would run my credit again ( which dings it again ) for them to increase the limit back to the lower amount they just gave me a few months ago ( XXXX ). This is not fair business practice. I have two cards with them and this is what they did to both cards. He said they will review again in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report on XXXX XXXX and to my surprise I noticed that Account XXXX XXXX XXXX  with Account number XXXX has been added back after deletion. I disputed the inaccuracy of this account before on XX/XX/2022 and the account was removed due to being inaccurately reported on my credit report. I am confused as to why this item has reappeared on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and would like for this item to be deleted again as this is a violation of my rights.
Product: Credit reporting or other personal consumer reports

For the past 6 months I've been trying to remove a Bankruptcy file from XXXX, Equifax and XXXX and they have denied me with all my efforts. I started with the court that is attached to this file number, they responded by letter stating that they do not disclose these cases to credit bureaus. Simultaneously I requested a full report from XXXX XXXX and they too had a bankruptcy file on my records with them but after sending out a letter to them asking that it be removed if they could not show me where I consented to them reporting my information ; they proceeded to remove this account and also sent me an update that it had been removed. Their response ( letter from XXXX ) along with my court response was sent out to XXXX, Equifax and XXXX on two different occasions which they claim their resources to be accurate. Neither of these bureaus have let me know who their " sources '' are that they are receiving my personal information from and I feel as though I am entitled to know that information. This is a misuse of my personal information and has truly affected my lively hood. Looking forward to the CFPB assisting me on this matter.
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 XXXX ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, 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 yo remove or amend the disputed accounts l, as XXXX XXXX inaction violates XXXX XXXX and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted proof to Equifax that XXXX XXXX had removed the collection off of my XXXX-XXXX   Account on XX/XX/2019. It is still on there. XXXX XXXX Has legal responsibility to me as a Consumer to remove this OFF my XXXX and Equifax reports as well.
Product: Debt collection

Portfolio Recovery has been calling my work several times a week since I cleared my credit report of false reports and debts with a company called XXXX XXXX XXXX. They sent a notice stating that I owed them- Portfolio Recovery- a sum of over {$17000.00}. This is false. The agent that I spoke to said that this is an old credit card debt that has passed the statute of limitations and can not be sued for. The agent would not listen to me stating that I do not owe them this money, the debt is not mine, to stop calling me and cease all communications. He continued to interrogate me with personal and financial questions, I refused to continue answering him beyond my name, address and birthdate. He kept trying to prevent me from speaking, talked over me and I demanded mail me proof that it was my debt and that I did owe his company so that I may give it to my attorney because I do not. I get approximately 2-3 calls a day at work and the mail is also delivered to my office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : SELF FINANCIAL INCXXXX XX/XX/2021. 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS SELF FINANCIAL INCXXXX BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.
Product: Debt collection

Columbia Debt Recovery LLC, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. 

Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. 

Again, my attorney has sent Columbia Debt Recover/Genesis certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX  speaker system, cleaning fees, etc. which were are fees that I do not owe. 

I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. 

I've also attached my XXXX  scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX XXXX XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX XXXX score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. I am writing this complaint because Smith Debnam Law Firm continues to violate my rights as a consumer. On XX/XX/2022, I sent them a Cease and Desist and Debt Validation letter asking them to show proof that I owe this alleged debt and to stop violating my rights pursuant to Title 15 Chapter 41 Subsection 15 USC 1692. They continue to violate me by invading my privacy and providing abusive and unfair debt collection practices pursuant to 15 USC 1692c. They have yet to show proof or provide me with the documentation I have requested. I have received harassing letters from this law firm on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. After I have asked them to Cease all unfair communication. Pursuant to 15 USC 1692e ( 3 ) a debt collector may not use any false, deceptive or misleading representation in connection with the collection of a debt or imply that he or she is an attorney or that communication is from an attorney of which they are in direct violation. On XX/XX/2022, I sent a Cease and Desist letter disputing the validity of this alleged debt and demanded an audit trail and I have not received the documents. I asked for all documentary evidence of their claim but all they send are monthly statements that do not show where the charges and credits originated or when. They harassed me and abused me by coming to my home on Sunday, XX/XX/2022, at XXXX pm they served my husband paperwork in front of my neighbors and children. They have embarrassed me and used obscene language stating I owe this alleged debt. This firm has caused me so much mental stress by sending letters in the mail indicating they were from a debt collector.
Product: Credit card

On XX/XX/23, 4 purchases made while playing XXXX XXXX ( a game on XXXX ) each in the amount of {$240.00}. Total amount {$990.00}. Although my credit card was charged 4 times, I did not receive the items purchased. 

I reached out to XXXX who stated they did not have any record of me making the purchases. I then reached out to XXXX ( the credit card processing company which is used for payment processing by XXXX XXXX ) and they did not respond after several attempts. 

I then reached out to Truist bank to dispute the charges on my credit card as the products were not received and the vendor confirmed no purchases were made. Truist declined the dispute. 

I then reached out again to XXXX who refused to refund the monies charged to my account even though the monies were not forwarded to the vendor. 

I reached out to Truist once again to reopen the dispute which was reopened and declined again. 

Today I contacted Truist and was informed that the dispute was declined as a result of the purchases were made through a third party. My purchases were made within the XXXX XXXX app which is directly from the vendor. 

I requested today that the dispute be reopened again by Truist and was denied the opportunity. 

Im at a loss of any next steps to obtain the monies for items purchased that were not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALSO DUE TO HIPP LAW AND ACCURATED INFORMATION, EQUIFAX AND XXXX ISN'T REPORTING CORRECT INFORMATION ' EQUIFAX REPORTING MEDICARE BILL THAT IS CORRECT PERSONAL INFORMATION, I HAVE RIGHT THAT ALL INFORMATION ON MY CREDIT REPORT IS FILED CORRETLY- THIS OCCURS FOR BOTH EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX # # # # XXXX XXXX XXXX {$570.00} INCORRECT INFORMATION REPORTING -- due to fraud on my credit report with Equifax AND XXXX XXXX, i notice these fraudulent items as inquiries that i would like removed asap, items on my Equifax and XXXX XXXX report as inquiries, please remove XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX - CARD SERVICES XXXX  - CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is DENYING the requested information. 

Equifax is playing games in this matter. ALL IS NEEDED IS FOR THEM TO GO INTO THEIR ARCHIVES, LOOK AT WHAT MY CREDIT SCORE WAS ON THE DATE OF XX/XX/2020!!!!!!!!!!!! Instead of compying with my request, they have sent me my current credit score, and repeated letters asking for my identification.
Product: Student loan

I have federal student loans with EdFinancial. 
I am on Income Based Repayment, and re-certified my income through studentaid.gov in XXXX of XXXX, and I was approved for income-based repayment in XX/XX/2023 according to my account information on studentaid.gov. My XXXX payment is {$0.00} per month. 
EdFinancial instituted a system update over the summer of 2023, during the student loan payment pause secondary to COVID. As a result of this update, I no longer have access to my payment or correspondence history, and my payment has been put on the standard payment plan. The monthly amount on the standard payment plan is {$490.00}, first paid on XX/XX/2023. When I called EdFinancial in XXXX of XXXX  about why my payment was not the income based repayment amount, they stated that they may have " lost '' my income-based repayment application. They also stated they could not access any of my payment or correspondence history from the old system. I made an official request for that information to be sent to me, and for them to do a check to find the " lost '' XXXX application. As of XX/XX/2023, I have only received the payment history by email. My payment is still the standard payment. Further, it says my amount due is {$0.00} in one location on my loan account, but in another location it indicates a next payment due of {$490.00} on XX/XX/2023. My loans are on auto-pay, and they did indeed withdraw {$490.00} on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Experian did not make sure it was reporting 100 % correct. 

The Fair Credit Reporting Act states that everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I sent a letter to Experian in XX/XX/2022 requesting them to remove this inaccurate information. They replied that these accounts were investigated and came back as verified, without stating who conducted the investigation, their process or how they were able to find that these accounts were valid when there's obvious inaccuracies showing on my report. 

As a consumer, I now request to know all the steps Experian took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

I also would like to be sent a copy of the following documentation that would need to be had to prove that these accounts are valid : The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance Who verified these accounts? ( Provide the department and Supervisor contact information ) How were these items verified? 
The original contracts that were provided to verify debt. 
Payoff and Interest Disclosures Balance and Payment History for all debt Credit Insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX on XX/XX/2020 and opened a payment protection claim on my loan since I was laid off from my job. They indicated they will file a claim for me and I won't need to make a payment. 

They lied and reported my account 30 days to all 3 credit bureaus
Product: Debt collection

I received a collection letter from EOS CCA ( " the Company '' ) in XX/XX/XXXX and disputed the validity of the debt. I recently received a letter from the Company that they were using to verify the debt they were trying to collect. The items that were supplied show dates as of XX/XX/XXXX although I told the company that the debt was settled XX/XX/XXXX with the original agency. I am asking the company to verify that the account is a current account and they are pushing that burden on me although this is a requirement they should be doing. I have contacted the child support agency they are claiming to collect for and they are stating my account is closed with no balance, so I am sure this is why I was provided with documents from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized/fraudulent inquiries on my XXXX XXXX  report from XXXX XXXX attached I have XXXX unauthorized/fraudulent inquires on my Equifax credit report attached I have XXXX unauthorized/fraudulent inquiries on my XXXX credit report from XXXX report attached
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

XXXX XXXX, XX/XX/2019 our property was stuck by a tornado. Our insurance company issued a check for repairs and replacement of personal property but made the checkout to myself, my wife and the mortgage company - Flagstar Bank. I endured the check and sent it to Flagstar, they asked me to do a bunch of paperwork and I did and I was ordered to have it all notarized. The contractor I hired was told to do the same. To date, I have not been able to access any of the money and have not been able to repair my property. Every time I call Flagstar it is another reason why I can not have the money issued. In addition I was issues a check for {$1000.00} from the Ohio realtors housing disaster relief fund to pay my next mortgage payment. I endorsed this check and sent it to Flagstar  and again nothing has been done that I am aware of. I spoke to someone on the phone today from Flagstar that said before Flagstar can release any money  they will need proof work has been done to their satisfaction or that I have replaced or repaired everything including personal property. The suggestion was that if I was given money for 12 pair of socks I Flagstar would have to come inside my home, into my bedroom and look in my drawers to verify I bought 12 pair of socks or they will keep the money. This greatly concerned my and I believe it is an invasion of my privacy and against the law. I am a veteran and it is a VA loan, I will talk to the VA and see what they say. I am a XXXX XXXX XXXX XXXX employee and I will see what they say and I will also talk to the Ohio Attorney General 's office to see if Flagstar is allowed to do this. We are going on 2 months and they have had the money for over 1.5 of those months and I can not get repairs done. Also, the check for my mortgage is nowhere to be found and I expect that my XX/XX/XXXX payment should be {$1000.00} less but I know nothing. Please help! I want the funds released to me at once so I can repair my home and replace what is needed and continue living my life, I also want the {$1000.00} applied to my XX/XX/XXXX mortgage payment to effectively reduce my payment by {$1000.00}