23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company who named themselves as XXXX XXXX by phone, but recovery solutions group via email. Started leaving voicemails that should 've been private on my cell phone and the cellphone of someone I 'm close to. Below is the numbers called and a summary of what the agent said. I still have all recordings if needed. 

On XXXX at XXXX and at XXXX stating that I was being contacted from the Clients process division for an order on 2 pending matters. If I wanted to voluntarily resolve the issue to contact their offices. The messages were left on my cellphone and my friends cellphone. 

This company who never left their name again left a voicemail on XXXX, XXXX saying I was going to be served paperwork at my place of residence or employment for failure to respond. Those messages were left on a phone number which is not my number. 


This company left 2 voicemails on XXXX at XXXX XXXX and XXXX XXXX on my cellphone and my friends phone numbers stating your office need to verify my address to handle this matter outside of my county. 
The agent went on to say she could be contacting my Human Resources department, but the client was will to resolve the matter if I called in today.
This prompted me to call into their office while recovering from a XXXX that I had not even a week prior. Only to encounter the rudest person I 've ever spoken to. I told their representative that I had n't gotten any correspondence from their company and asked for an address. The representative refused to give me the address and threatened me with garnishment if I did n't comply and hung up on me when I refused. I called back and talked to XXXX who said she was a manager and she was unprofessional to say the least. She also refused to give me an address and threatened me with garnishment and hung up on me. 

I called back and asked for an address to send a letter requesting this company not call me any more the representatives refused to give it to me and repeatedly hung up on me. I eventually had them email me a settlement offer. Which I replied to asking them not to call me. The letter was sent once I provided them banking information. 

I did n't feel good about the whole thing so I put a stopped payment on the check. This company then calls both my cell and my friends and and left a message saying that a check bounced in their office and I needdd to contact them. Both messages were left on XXXX XXXX, XXXX.
Product: Checking or savings account

I have been a victim of identity theft. XXXX confirmed, along with several other companies. At many times I've experienced XXXX XXXX charges to my phone. Now {$500.00} is not being refunded by chase as they say its valid. I've supported documents of ftc, wdoj and all credit locked and fraud alert. To top it off I had XXXX play merchant blocked but somehow they got around it. I was told it's very hard to prove. My ip address was not secure because I had no control over it. Somehow over the long term residency I've paid tons of these charges unwilling and disputed. Even a direct email from XXXX saying that I need to tell my bank the charge disputed was a legitimate dispute. They can not take the money then. XXXX XXXX XXXX has been a great help but aside from the submitted valid documents still not refunded the {$500.00}. I'm very broke. This money was for bills and now I'm in alot of financial charges. So I reached out to said merchant. With permission recorded call for bank ect I don't have a mobile XXXX account nor any purchase history. Tried matching transaction numbers and they couldn't. Used personal identification to find last account closed 2017 and was council. I've been hacked in my phone and they don't believe anything. I am not subject to identity theft? That's not ok. I submitted complaints on all charges immediately. Plus nobody will listen to me when I say it was not me. Please help? How can I fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX CU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESOURCES XXXX XXXX GROUP 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid off my balance of money owed of about {$77.00} in XXXX of XXXX and had not used the card since that date due to an Natural Emergency ( water damage to home ) that resulted in my becoming flooded everytime it rained and caused me to get into debt to get home repaired. This forced me to cut back on unnecessary expenses to pay off that debt, and I am at the present, at the half way point. Now I have shopped at Target  but just used cash and not credit to temporarily offset a monthly billing. But my problem is, that today XX/XX/XXXX, I received an alert form the credit bureau that my account 's credit line was reduced 50 % so I then called up customer service for Target  and inquired about the negative action that had been taken against me .They informed me that since the card was not used since XX/XX/XXXX, was the only reason for the negative action that they had taken against me, irregardless of my other emergency. I had no luck with trying to discuss the matter. This is not fair when I try so hard to be financially responsible and always pay my debts in a timely manner with no late payments or bankruptcies. If Target  does not restore my original credit line, I will be negatively impacted by all three credit bureaus by decreasing my credit scores!
Product: Credit reporting, credit repair services, or other personal consumer reports

The response from GUARANTEED RATE INC is false. Transunion stated several times that they never received any response from GUARANTEED RATE INC or XXXX XXXX  to remove this Hard Inquiry from my credit report that was requested by GUARANTEED RATE in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from GUARANTEED RATE INC or XXXX XXXX 
I have also Been Harassed by GUARANTEED RATE with Text messages and repeated Phone calls all different times of the day and night. This company GUARANTEED RATE has harassed me and damaged my Credit report regarding a loan I did not authorized or request. GUARANTEED RATE has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against GUARANTEED RATE. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to XXXX  XXXX  to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from GUARANTEED RATE INC via XXXX XXXX is still in my Transunion credit report. I was informed in the attached letter from Guaranteed Rate, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my Transunion credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX  today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?
Product: Credit reporting or other personal consumer reports

Hi there and good day I noticed there are a few things on my 3 credit reports, that are inaccurate. I contacted all the companies and ask them to correct their inaccurate information with all 3 credit bureaus. I explained I never gave permission for my credit to be ran with these companies. I contacted the credit bureaus and requested this inaccuracies to be removed. The information has not been removed. Please have them remove this off my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, XXXX  AND TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to dispute the accuracy of the below listed accounts. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report.

Attached is a copy of my 3B credit report showing XXXX student loans being reported by your servicer. Upon examination of the attached 3B credit report you will see there is a plethora of inaccurate, incomplete and missing information being reported across all three credit bureaus. This is a violation of my rights under the Fair Credit Reporting Act. I demand that you fix all incongruent information immediately and report identical information to XXXX, XXXX and XXXX. Please fix the following for each account : last updated, balance, all payment history, closed date, last activity, terms, scheduled payments, account number and comments. All information should be identical across the three-credit reporting bureaus. 

Thank you for your immediate attention to this matter. I look forward to seeing this information update promptly.
Product: Credit reporting or other personal consumer reports

delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions ( CREDIT COLLECTION SERVICE ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Money transfer, virtual currency, or money service

I was charged XXXX $ on XX/XX/scrub>/24 tonwith drawl money at an atm which lead me to look at all of the other fees I was charged by Venmo for transferring my money to a personal account. Which adds up to over XXXX $ and more. I asked for them to refund these service fees on XX/XX/year>24 and was told they could not refund any of my fees.
Product: Student loan

I set up a automatic payment with Navient, they picked the date that the payment would take place. They then charged me late fees because the payments were made after my due date. I asked them to refund the fees and they were not willing to do so.
Product: Student loan

The amount paid to interest on the loan increases every month even though the balance of the loan is decreasing. Interest rate does not change so the amount should be reducing. 

Under the " XXXX '' plan, all extra payments should be applied to principle only, but they are being applied to interest ( which should not exist for the month since I already made a payment. ) The phone system seems to keep people from talking to a person. I had to call XXXX times in order to talk to a person. their automated system redirected me to the main menu multiple time despite asking for a person.
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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 cannct furnish an 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 and crimes which antedates the report by 7 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 false
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. What you sent me is this XXXX response stating it wasn't me who sent you the letter and you people are just wasting time! I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I don't get a proper response which is what I'm doing right now
Product: Mortgage

I am applying for a modification with Caliber Home Loans. I have submitted all required documents. But they have not postponed the foreclosure sale scheduled for XXXX XXXX. I am really worried they will foreclose and I will lose my home before there is a chance to review my application. 

I have worked real hard to get everything in, even though there have been delays caused by Caliber. Every time I send something it takes them up to 5 days to even confirm if they received the documents. Sometimes they reject documents without any good reason. For example I sent a XXXX page fax on XXXX XXXX. I am attaching the fax confirmation page. I paid to send it from the XXXX store. The worker sending the fax noticed that one of the pages did not go through right. So she put that page at the end of the fax to make sure it got through clearly. Caliber said they did receive the fax, but because that page was on the end of the package instead of in the middle, they rejected the whole thing. Since it had taken a few days for Caliber to process and inform me they were rejecting the package, this caused a delay. I then had to re-send the whole package. Another time before that I sent an XXXX form and XXXX along with bank statements, XXXX forms, and other documents. Caliber rejected the whole thing because I had not faxed a page that was attached to the original form that had a " notice to borrowers '' but did not ask for any information from me. So I had to re-send all of that, again after several days of delay while I waited for Caliber to process the documents and then let me know they could not find those pages. 

This is even more frustrating because earlier this year Caliber illegally foreclosed on my home. I made a complaint with CFPB ( complaint XXXX ) about how they broke FHA loss mitigation rules, failed to respond to the modification application I submitted through a HUD certified counseling agency, etc.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being.According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - 1986 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX, XXXX, FL XXXX Employer - XXXX Incorrect CurrentAddress : - XXXX XXXX AV, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report. Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024
Product: Mortgage

I contacted company to ask, if my name be removed from mortgage through divorce in XX/XX/XXXX. Told me, I could that coborrow can take full responsibility of loan, if paid on time for 6 months. I contacted to have this done. Someone had to check with someone else, said yes the loan is summed up. Please submit the request in writing with his signature. In XX/XX/XXXX. Snet the information. Then told me need3d divorce decree. I sent that information in XXXX. Then said, I had to send a email ticket request. Nothing ocurred. I contacted and emailed every month with an update. Different answer everytime called. Then said, never got anything. Which we did. They emailwd me the exact paper i sent them back that he needes ro fill out. Then last time I spoke said it could take 6 more months, ehixh I know was a lie because they wanted me to stop calling. It has now been over a year. Nothing has changed! I am sick of the circles. Getting nowhere, transferring, different answer everytime, emailing, and calls. They lied and the calls are recorded.
Product: Credit card or prepaid card

I used my American Express card to book a flight with XXXX XXXX through American Express Travel agency. This was an international flight booked in XX/XX/2020 for a flight departing XXXX on XX/XX/2020. 

On XX/XX/XXXX, XXXX XXXX XXXX closed down to fight off the COVID-19 pandemic. XXXX XXXX  cancelled the flight around XX/XX/XXXX without offering refunds. I called AMEX and did not accept their offer to re-book at a later date without a penalty. I specifically asked for a refund. Nonetheless, Amex at the behest of XXXX XXXX, left the ticket open. By then XXXX XXXX had directed passengers who booked through travel agencies, online or otherwise, to work with the travel agency to re-book the flight. 

The US DOT has since then issued a directive that states all domestic and international air carriers who have cancelled flights due to the COVID-19 crisis are to issue refunds unless the consumer wants to re-book at a later date. 

I contacted American Express Travel three times since XX/XX/XXXX asking for a refund. They have unequivocally stated that XXXX XXXX is not offering refunds therefore they can not issue me one. This is despite the standing directive from the US DOT. American Express proceeded to charge me for the flight. 

In addition, Amex Travel does not provide me with an email confirmation detailing my complaints with them. 

I have attached the flight itinerary and the Amex billing statement. ( see page 5 for the charge ; page 3 breaks down the charge as billed to rewards points and cash )
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to provide me with the documentation with the original signatures proving the accounts do in fact belong to me.
Product: Debt collection

On XX/XX/XXXX I received two calls, back to back, that popped up on my caller ID as NAR. 
When I answered the second call, they introduced themselves as calling from XXXX XXXX XXXX XXXX. 
I confirmed no business with said company and asked the reason for the call. 
Once I verified my name, they switched their identification to North American Recovery. 
They called again, twice in row on XX/XX/XXXX, and contacted my spouse twice in a row. Unfair collection practices identifying themselves as another company, and placing continuous calls.