23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a certified letter requesting an investigation into some inaccurate account on my credit report. Equifax has not responded to the request within the 30 days given. They have not done their duty mandated under the law. 

Also, they have violated my rights even more because in accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, which it is not. This is grounds for removal.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS.
Product: Credit card or prepaid card

In Response to CFPB Complaint # XXXX " Discover is  not responsible for the quality of the service. " ... Uh, no.. But the merchant is!!! That's why customers have the ability to dispute charges they authorized.. Hello!!! Customers can dispute charges they authorized based on what they paid for not being received. And I paid for both food of high quality and service ... We received neither!!! Eating two or three bites of an entire meal, is nowhere even near the same thing as eating most, or even HALF of the food and asking for a refund!! Discover may not be responsible for the quality of the merchant 's service, but it's their job to force the merchant to credit the customer if the service was not delivered!! This is part of Discover 's job, to protect the customer. No different than if fraud was involved. And this was fraud if you ask me!! All Discover had to do was send them my statement and tell them they were in my favor ... But no. Naturally, it was in theirs.. The merchant 's, as always. It's never in favor of the customer 's!! This is completely unacceptable, and I will give Discover one more chance to credit my account for the {$70.00} charge ...
Product: Mortgage

Our address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX. 
We have a 203k loan on this property. We finished all of the home improvements as required and received our last reimbursement check in XXXX. Homebridge employee XXXX XXXX was servicing the XXXX loan. Within the rules of the loan, Homebridge had 30 days to close out the loan with FHA. Their failure to do so is creating us great financial hardship because we can not refinance the loan until it is done. This costs us several hundred dollars a month. We are ready to close on a refinance and this is preventing us from being able to have another loan on the property. We have contacted their office many times and sent them the information that they need in order to close out the loan. They are claiming ignorance and not accepting responsibility. The loan is with XXXX but Homebridge is servicing the XXXX. Our XXXX inspector, XXXX XXXX has been reaching out to the HUD office on our behalf but it does not seem as though HUD can help us. It is our understanding that the close out process takes approximately 5 minutes. 
Here is the contact information for the company servicing the loan. 
XXXX XXXX, 203K Draw Administrator HomeBridge Financial Services , Inc . 
o : XXXX f : XXXX e : XXXX w :  www.HomeBridgeInc.com Thank you, XXXX XXXX XXXX
Product: Debt collection

I have file a Chapter XXXX BK back in XXXX the Mortgage with Ocwen XXXX Bank account number XXXX was included in this BK. XXXX  and XXXX  have delete this completely from the credit report. I'm having an Issue getting them to remove it from XXXX. this is affecting my loan Application.
Product: Credit card

As a credit card customer of Barclays Bank I have paid my bill on time every month, and most months in full. My credit limit was reduced by 75 % for no valid reason. My XXXX XXXX is XXXX, and I have a perfect payment history. My utilization is impacted, and my credit score will be impacted, which negatively affects me. I called customer service asking for a reason, was not given a valid reason other than they felt it was a fair limit for my usage. I requested my limit be reinstated and was told no. I was told I could request a credit limit increase, there may be a fee and that my credit would be pulled to do so. Forcing me to apply/request an increase is idiocy and also negatively impacts my credit score. 

My card is now paid in full, frozen and will never be used again. I will consistently rate Barclays poorly for penalizing customers who actually pay their bills, especially considering this card has the highest interst rate of all my cards. Additionally, their security is incredibly lacking, as my card/account has been breached multiple times. I dont store card numbers online, and I dont give my card number to anyone.
Product: Debt collection

Second complaint - the company 'answered " the first complain but didn't answer anything. 

# 1. I called again to reach someone - failed. I called again and got someone they transferred me to someone else and it got nowhere. I am TRYING to resolve this but they won't let me. It's just a continuous phone ring that never leads to anywhere. I left another voicemail. 

# 2 Again, I never got the message that this was going to collections- and you guys just moved it to collections without notifying me. I didn't even know that I had outstanding balance. 

# 3 Prove to me that I am responsible for the alleged claims. They have failed to do so. I don't need to see " repair bill this amount '' I need to see specified itemized list of precisely what happened. This is my reasonable request. Please prove to me that I caused the damage and exactly what.

# 4 company replied to my previous complaint by saying " contact us '' I DID. I am not getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called XXXX, Equifax, and XXXX stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed 1,000 per inquiry as each inquiry is a violation.

I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Leasing agreement was terminated appropriately and no additional payment was due. I am now being held responsible for non payment of the agreement. I also never received any correspondence regarding this collection from either XXXX XXXX XXXX or Southern Management Systems
Product: Credit reporting or other personal consumer reports

The Company Im Disputing is XXXX, XXXX and Equifax! 

On XXXX XXXX I disputed all of my negative items along with Hard inquiries. these inquiries and negative items should've been removed because of the identity theft that was claimed via FTC Report that was filed in XX/XX/XXXX. 
as a result here we are in XXXX and still no response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY/ DBA GENESIS Attn : Collections Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Subject : Request for Account-Level Documentation Dear Sir/Madam, I am writing to formally request that COLUMBIA DEBT RECOVERY/ DBA GENESIS provide me with the full account-level documentation for the alleged debt associated with my name, including all records and information pertaining to the account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which grants me the right to request verification of any debt that you claim I owe.

Specifically, I am requesting the following account-level documentation : The original account agreement or contract, signed by me, that establishes the debt in question. 
A complete and detailed statement of the account, showing all transactions, charges, payments, and adjustments from the original creditor to the present.

The current balance of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges added to the account.

Verification of the account 's ownership, including the chain of assignment and any transfers of the debt from the original creditor to your company, as well as any other entities involved in the assignment.

Proof of any payments made on the account, including dates and amounts paid.

Any other documentation that supports your claim that I am responsible for the debt and that you have the legal right to collect it. 
Please note that under the FDCPA, you are required to respond to my request within 30 days from receipt of this letter. Failure to provide the requested documentation will be considered a violation of my rights, and I may take appropriate legal action to dispute the debt. 

For clarity and accuracy, please send all documentation related to the account to the address listed above. I appreciate your prompt attention to this matter and expect to receive the requested documents within the required timeframe. 

Sincerely, XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX credit card was opened in my name 8 years ago. I have called portfolio Recovery collections who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to XXXX and still after a year I have no resolve.
Product: Student loan

I received a letter dated XX/XX/XXXX titled loan update ( see attached ) the letter states interest will be accruing although I am in the SAVE plan litigation forbearance. The letter then shows all of my interest rates set to zero. Despite my interest rates being set to zero, the interest balances have continued to rise. See comparison from the letter dated XX/XX/XXXX and the interest from each loan screenshot. I also have a letter dated XX/XX/XXXX that shows a balance of {$89000.00} and now my balance is {$90000.00}. If the interest rate has been set to zero and paused during this SAVE litigation, how is my balance going up? The interest is still clearly rising. I can not each a representative from Mohela and the hold times are XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me at all. I've reached out several times and no one seem to get back with me with the proper documentation. The company WestLake financial should have fallen off my report by now. It's been reporting false information for the past 7 years. The credit bureaus refused to update my report with the correct information. I've never had a car repo from me. I was never in possession of a car from either company. This is causing me financial hardship for myself and children with this inaccurate information listed. I'm asking that you all do your investigate and remove this negative info from my name! Please update all personal information as well to what's listed on my current ID, which ave been my address for over 10 years now. You all are VIOLATING MY RIGHTS and its not fair!
Product: Debt collection

We asked them to help us port a XXXX number over and create a family plan back in early XXXX of XXXX. They said we had to create another temporary line so they could then move an established sprint phone line to that number associated with the family line and merge. We were told middle that month, that they could not help us and wed have to call customer service. Countless hours later on hold, and they were not able to do anything. That was back in XXXX We moved to XXXX at the end of XXXX only to figure out two months later they left the second line open which I was charged for. They said they would cancel the account but I would have to pay for 1/2 the bill, even though there was zero data and usage on that line. I agreed to pay and ask for confirmation of closing. That was XX/XX/XXXX. Got another bill and called in on XX/XX/XXXX. They assured me they will cancel and to take my card on file off so I wouldnt be charged. I was told to give it 30 days to cycle through. On XX/XX/XXXX received another bill, now {$250.00} bill and they say they have no record of me asking to cancel. Received notice on XX/XX/XXXX they were sending this to a collections agency. I called and they still they can not send me confirmation of account closure. I called and waited another hour to speak with employee ID XXXX who said to wait another 3 weeks to see what the total amount charged will be so they know what to credit. For me to wait another 3 weeks is not an acceptable answer. They were going to transfer me to a manager and then they hung up. Wasted 1.5hrs of my day, total of around 4hrs speaking with XXXX and they can not give me any clear direction as to what is happening. The line should have been closed back in XXXX when I switched to XXXX. Then again on XX/XX/XXXX when I paid the last bill, but yet this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of purchasing a car for my daughter & I got pre approved by XXXX XXXX ... I contacted two dealerships ( XXXX XXXX in XXXX & XXXX XXXX XXXX ) & forwarded my pre approval with XXXX XXXX but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with XXXX XXXX ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only one  that should appear would be XXXX XXXX & XXXX ( my credit union ) which I applied with before I got my pre approval with XXXX XXXX. TD AUTO, XXXX XXXX, XXXX XXXX & XXXX XXXX should have not ran my credit ... I have attached the emails between the two  dealerships showing they knew I had a pre-approval through XXXX XXXX ... Please have them delete these HARD inquires of all three  credit bureaus ... Greatly appreciate it ... Thank you ...
Product: Mortgage

I applied for a modification in 2019 with my mortgage company. I received a letter from the mortgage company in XX/XX/2019 stating that the modification documents were received and being processed one week later the mortgage company put the house into foreclosure and all payments after then sent by me to the mortgage company were returned to me. I signed up with XXXX and explained I was doing a loan modification XXXX works with my mortgage company and was helping to process the modification. XXXX promptly submitted all required documents. We waited to receive a response from my mortgage company. During this time I didn't make any other payments as they were previously being returned to me. I went to XXXX XXXX XXXX Maryland courts in XX/XX/2019 and let the Judge know I was working with XXXX to remedy the situation and was granted the ability to stay in the home while working with XXXX to save my home. The mortgage company was present. We filed several loan modification applications as well as reached out for status to no avail. I was purposely ignored or simply looked over during this process. No one gave any other information besides court filings, letters, and multiple scare tactics sent by the mortgage company and trustees assigned even after the court hearing.
Product: Student loan

I called XXXX back in XXXX because I had made a payment in the fall when the student loan pause was up which I apparently did not have to make as the pause was extended due to issues on XXXX 's end. I asked that the payment be initially applied to my next payment ( XXXX ) which they agreed to. That did not happen. This caused significant financial hardship for me. I spent many, many, many hours on the phone to be told that I need to wait 90 business days to receive a refund as I no longer wanted the payment applied to future payments. In those 90 days I was transitioned to Ed Financial. I called XXXX in XXXX ( XXXX business days later ) who told me that while the ticket was entered XXXX business days ago, it was still in the research phase and had had no movement forward and now they could do nothing because I was under edfinancial. I called edfinancial and was told I would have an answer in XXXX to 10 business days. That was a month ago and I have received no communication. I called today and was told that while that ticket had been put in, no movement had occurred again. They were able to give me no information about when I would receive my money, no further actions to take, no idea of what was happening. This has been over 8 months since I started calling. I am still out nearly XXXX dollars which I desperately need. Between these two agencies I have spent hours and hours on the phone, talked to at least 20 different people and have gotten nowhere. I need my money back and these people are unhelpful and holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX XXXX : {$200.00}
Product: Bank account or service

On XXXX XXXX, I went into the bank to deposit money into my savings account. I was the second customer minutes after opening. Bank teller named XXXX, says to me your account is closed and proceeds and to say very rudely " your savings account has been closed for a very long time so I can not help you, goodbye " - shocked by her rudeness I said back " you are a LIAR because I just opened this account two weeks ago ", she then says well u can have a seat and I will have my manager help you. Manager not doing anything @ all pretends to be on the phone and snaring at me through the window. After waiting for twenty minutes in a completely EMPTY bank w no customers the manager left me sitting there. I was upset and said fine I will go to another bank, but I choose not to because this was already a long trip for me to get to that location so I returned and deposited money into my checking account and said I will wait for your manager because I have things to do as well I can not go to another bank and it is your job to help me not be unprofessional, violate my privacy and hold me hostage practically. XXXX then yells very rudely " well you NEED TO WAIT ", and I did for an HOUR! I managed to call customer service over the phone got a resolution and still waited for this manager to help me, I went back to XXXX and explained that I just got off the phone with customer service and they said just make a deposit and your account will open she responded " who is THEY? " being a rude XXXX pretty much, I said " customer service, manager walks up to me and said " what is your problem " ... I responded whatever it is I handled it over the phone and I guess I do n't need your help now - she then laughs and walked off - so after I sat on the phone w customer service complaining about the horrible customer service I am receiving from this branch - the manager walks out takes my {$500.00} and said sign this. XXXX - savings account back open ... what in the world makes people think they can treat customers like this. Especially women XXXX, completely XXXX staff treats all XXXX people like XXXX in this location and I know for a fact because, they even make me wait when they have no customers and soon as I walk in I am not greeted, they are ALWAYS RUDE TO XXXX PEOPLE!!!!!!
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

Hi, For a long time I have been experiencing harassment on the phone with calls all day long. It is Vitaly Ricovery who calls me to try to collect a debt which they are not able to validate. In fact, on XX/XX/XXXX, two weeks after they contacted me, I sent them a debt validation letter. They did not properly validate the debt as required by law, so on XX/XX/XXXX, I forwarded a second letter asking them to validate the debt he accuses me of. They haven't sent the letter since XXXX, but I was surprised at the beginning of XXXX, three months ago, that Vitaly Recovery resumed with calls. It's too much now! They are unable to validate the debt and that does not give them the right to harass me at any time on the phone. I don't even recognize this alleged debt. I have attached the receipt return service requested as a proof they received my debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.