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

Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate. Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( 1 ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information and the information has been modified or deleted from the file of the consumer. Please removed the following item from my credit report, immediately INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mail out a letter Disputing inaccurate reporting. They did not respond. 

On XXXX XX/XX/year> I sent out another letter, they responded with verified and accurate witch i requested the procedure used to investigate the info.
Product: Debt collection

[ XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX, tx, XXXX ] XXXX XXXX XXXX, XXXX 2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.C. XXXX Subject : Formal Complaint and Dispute Regarding Violations by [ Geneis Credit Management ] To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the actions of [ Geneis Credit Management ] which have egregiously violated my consumer rights under federal regulations, specifically outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

[ Geneis Credit Management ] has placed a collection account on my consumer report without adhering to mandatory provisions of the law. They have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), despite numerous requests from myself. Additionally, they have not afforded me the opportunity to dispute the account as stipulated under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, [ Geneis Credit Management ] has engaged in false, misleading, and deceptive practices by reporting inaccurate information and using coercive means to collect on an alleged debt. These actions are in direct violation of my rights as a consumer. 

Moreover, [ Geneis Credit Management ] has furnished information to consumer reporting agencies without providing all required disclosures, contravening 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

In light of these violations, I hereby dispute owing any debt to [ Geneis Credit Management ]. Furthermore, I am revoking all rights for [ ] Geneis Credit Management ] to communicate with me via email, text, or phone calls.

As part of my dispute, I request the following from [ Geneis Credit Management ] : Debt Validation : Provide validation of the alleged debt, including the original creditors name, the amount owed, and proof that [ Geneis Credit Management ] is authorized to collect this debt.

Purchase Agreement : Provide a copy of the purchase agreement or contract between [ Geneis Credit Management ] and the original creditor that validates their authority to collect this debt.

Proof of Licensure and Bonding : Provide proof of [ Geneis Credit Management ] 's current licensure and bonding status as required by law.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take immediate action against [ Geneis Credit Management ] for their violations of federal law. I also request that [ Geneis Credit Management ] cease all collection efforts until these matters are resolved in compliance with the law.

Enclosed are copies of relevant documents supporting my dispute, including records of communication with [ Geneis Credit Management ] and copies of my credit report showing the inaccurate information. 

Please keep me informed of the progress of this investigation and provide written communication regarding the actions taken. 

Thank you for your prompt attention to this matter. Please contact me at [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX ]
Product: Credit card or prepaid card

Store associate explained that I was getting an in store promotion for a discount. I explained I did not want to apply for a credit card. She said I wasnt. She asked for my license as I was paying with a credit card, and soon afterwards she hands me a credit card application stating that she only gave me a discount. I get a notification later that Ive been approved for a credit card I did not apply for. 


This is was in XXXX XXXX in XXXX XXXX, FL on XX/XX/XXXX. I explicitly stated I did not want to apply for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the the card companies as well as the credit agencies. Ive been dealing with Identity theft for over t he last two year s. There are  XXXX  credit cards that were opened that I did not authorize and they are using my correct social security number but incorrect date of birth. I would like for these credit cards to be removed from credit report.  <P/> 1.  XXXX   XXXX   XXXX   ( OPENED DATE  XXXX / XXXX / 2016  )  2.   XXXX    XXXX    (   XXXX   XXXX   ) (  OPENED DATE  XXXX / XXXX / 2016  )
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the resolution of an inaccurate collection account on my credit report, specifically in relation to Equifax, one of the major credit reporting agencies. I believe that the information related to this collection account is incorrect and is in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

For the last 2 years Ive received calls asking for someone that has a different last name than mine. They call for extended warranties using this name sometimes but more often than not it is about medical debt. Today on Friday, XX/XX/year>, I received a text about the medical debt claiming to be sent by Shepherd Outsourcing. I used the last 4 digits of my social to check the amount ( this was the only information requested ). Due to this being the only information requested I assumed it was a legitimate company. It stated I owed {$1400.00} in medical debt to XXXX XXXX XXXX XXXX. I have never used them nor have I been to the hospital that it claims to associate with. Around the time it is saying I owed the debt there was a similar debt to a similar hospital although this has been paid off with receipts. I called the number to ask about it and they have my number on file under a different name. Every call Ive received in the last two years I told them they have the wrong number and yet I still receive calls.
Product: Vehicle loan or lease

I had an auto loan with Steward Financial back in 2015. Unfortunately I lost my income shortly after purchasing the car and it was repossessed in XX/XX/2015. I did not know my rights back then. When the car was repossessed, I was never provided with any of the legally required documentation regarding the repossession. I was never provided with the option to pay the past due amounts and get the vehicle back. I was never provided any notice of intent to sell the vehicle. I was never provided any documentation showing that the vehicle had been sold, or what the remaining balance on the loan was. Upon reviewing my credit report, it appears that Steward Financial resold the vehicle, which was a 2 year old ( at the time ) XXXX XXXX with all luxury options for less than {$10000.00} which seems far fetched because I had purchased it 1 year prior for over {$23000.00}. I have disputed this information with the credit bureaus, and Steward Financial has certified to the bureaus that the information is correct. However, I mailed a letter to Steward Financial on XX/XX/XXXX asking them to provide copies of the legally required disclosures and I have not received any response whatsoever. Furthermore, when I called the customer service phone number to ask for the information over the phone, I was told that the debt was past the statute of limitations to collect so they would not be communicating with me regarding this debt. That is in violation of the Fair Credit Reporting act, since they are reporting a past due balance on my credit report and have refused to provide me with any notification of the debt!
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint and formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. Hence, I am seeking an immediate assistance from you to correct these following late open accounts : XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance Owed : {$370.00}.
Product: Student loan

On XX/XX/2018 Nelnet reported my account 90 day delinquent. On XX/XX/2018 I made a payment of what I could at the time of XXXX. This payment was not for the full amount but this is the only amount I could afford at the time. Now my credit score has dropped significantly And its affecting my ability to provide housing for my children. I asked Nelnet if they could remove this 90 day late delinquent status and they said they are not able to do that. This is my absolute first time being 90 day late on the payment I honestly dont feel that I was totally late because of my payment I submitted XX/XX/XXXX. I would like this to be removed from all credit reports.
Product: Credit reporting or other personal consumer reports

This company is reporting my account as closed but is reporting late payments that do not correspond to reality.
Product: Debt collection

This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 
5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.
Product: Credit card

Someone hacked my account yesterday XX/XX/26 at XXXX pm est and bought a {$2700.00} couch. The thieves are trying to send the couch to my home address. 

I immediately called Kohls to report the fraud and cancel my card. Because the order is in fulfillment, they state they can not cancel the order or refund the money today. 

Instead if I receive the couch, just return it or call us to pick it up. 

A XXXX pound ; XXXX foot couch! And then somehow get it returned back to them. 

The supervisor wouldnt even talk to me after being on the phone With 3 departments for 45 min. 

Utterly ridiculous and unacceptable.
Product: Credit card or prepaid card

In XXXX I opened a XXXX XXXX XXXX card that offered two free nights with a spending limit. I have not received the two free night and have been following up since XXXX and keep being told that I need to wait but that the certificates are coming. I would please like the nights to be issued immediately as I have met the terms outline when I applied. 

I 'll attach a screenshot from your XXXX team. They confirmed the spend and terms of the bonus and asked me to reach out mid XXXX if I had n't received the free nights. 

When I ddi n't receive the certificates in XXXX, I called on XXXX and spoke with XXXX who confirmed the spend and said I would have the certificates shortly. The reference number she gave me is XXXX. 

It 's now late XXXX and I do not have the certificates. Please issue them since I have been promised them several times by XXXX.
Product: Checking or savings account

On XX/XX/2024 I had reserved a rental thru vip rentals for XXXX when I got to the rental company I had a major credit card for the XXXX deposit. When I tried to use my credit card, the chip reader wouldnt read my card. The manager refused to manually enter my card number so I never got to rent the vehicle. I spoke with XXXX and they told my rentals never paid them because the transaction never happened. I called, emailed rentals with no success. Do I filed a dispute with my bank bc I never received the rental and the rental company never received my money I paid vip to rent the car. I just received a email from my bank telling me they found no error on part of vip. There was no error it was they was paid for a product I never received and they refuse to credit my account back. They got paid for services that was never provided.
Product: Credit card

In XX/XX/XXXX two charges were made to my Verizon Synchrony credit card for two ( 2 ) blenders from XXXX ( {$960.00} and {$960.00} ). At this same time, my email account was signed up for many ( 50+ ) foreign/non English websites. I immediately ( next day via telephone ) cancelled both items from XXXX and requested XXXX to credit my account and have unsubscribed to many of these websites. 
Verizon Synchrony credited my account for one of the charges, but refuses to clear the other charge ( {$960.00} ), indicating that " both blenders were delivered to my home ''. They have never produced shipping information.

Dealing with Synchrony Bank has been a nightmare of automated messages & company representatives that say they will clear my account, but have not - one charge ( {$960.00} ) is still being charged to my account.

My last invoice from Verizon Synchrony Bank shows a " balance transfer '' of {$960.00}. I think they initially deleted this charge, and added it back on to my XX/XX/XXXX bill.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccurate information that's being reported on my Credit report for that last three months with this company. I've called, live sent letters, reported to XXXX  and now I'm here, because these accounts and inaccurate Personal information is still being reported. I've since filed a fraud dispute because these inaccurate accounts and personal information keep getting verified through e-oscar verification. I do not consent to any e-oscar verification due this matter being very serious and showing a serious error in this company reporting. I would like these inaccurate accounts and personal information to be deleted from my report due fraudulent inaccurate information being reported. These companies are also getting my current information from my disputes to update their information to the Credit Bureaus because they had inaccurate Fraud information.
Product: Debt collection

To whom it may concern, Recently looking at my credit report, I am unaware of this debt and so did not have an oppurtunity to dispute it. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it. Thank You
Product: Consumer Loan

I leased a vehicle through Fusion Auto Finance LLC ( " Fusion '' ) from XX/XX/XXXX- XX/XX/XXXX. The lease was terminated on XXXX XXXX, XXXX and I have not been possession of this car since. Today, XXXX XXXX, XXXX, was the first time I was notified by Fusion Auto Finance LLC via phone call regarding a bill issued from XXXX County, Virginia for a state property tax that was issued in XX/XX/XXXX to Fusion Auto Finance LLC. The bill has since accumulated approximately {$300.00} in late fees and penalties because it was not paid by Fusion. When I contacted Fusion to discuss the bill, they were aggressive in insisting that I received multiple notifications about this bill, but I received none until they threatened to send me to Collections ( via a phone voicemail ) on XXXX XXXX, XXXX. I should not be held accountable for the penalties and late fees assessed by XXXX County because of the negligence from Fusion. When I asked if they had any record of the notifications that they claimed to have sent, they were unable to provide that information and insisted " that was not their responsibility. '' Any time I attempted to discuss the situation with the finance agent, XXXX XXXX, she shouted me down and insisted that I was at fault instead of answering my questions.
Product: Checking or savings account

I was harassed and falsely accused by XXXX XXXX which led wells fargo to close my account. I opened my account on XX/XX/XXXX when I went to cash my insurance check for hail damage to my roof this banker XXXX XXXX pressured me into opening a checking account with them which I really didn't want, but she wouldn't leave me alone. Then she insulted my son about his facial features and mine also. I regretted not getting up and walking out. I had my account open and it was opened for 1 year. Around XX/XX/XXXX, I couldn't log into my online account. I called the XXXX number & the wells fargo rep said my account was compromised & I had to open a new account. I went to a XXXX XXXX wells faro branch on XXXX XXXX. It took me a week to get my new account open because they kept running me back and fourth, this whole time I didn't run into XXXX XXXX until the very last day on XX/XX/XXXX when I had to finish open it up, there she was at the door greeting people. Then after I sat down talking to my banker a few minutes later 2 XXXX XXXX police officers came in looking around, they were a bit confused because they saw I wasn't bothering XXXX XXXX because she wasn't around when the police got there. The police left a week later XXXX I was trying to purchase something with my wells fargo debit card & it decline. I had no idea what was going on. I called the XXXX number again and complained at this time I had no idea what was going on. The wells fargo employee told me that the business relationship went bad I said how? I just opened it. I received a threatening letter from XXXX XXXX telling me that wells fargo was exericing their right to close my account that I had just opened & I was told not to enter the wells fargo branch especially the one where XXXX XXXX was conventially at. He was very demeaning and hostile in the letter. It was XXXX XXXX who compromised my checking account & disabled my online accuess & she was stalking me having the employees at the XXXX XXXX branch to tell her where I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$410.00}