23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Genesis Credit Management , LLC is attempting to falsely collect a debt of an incorrect amount on behalf of The XXXX on XXXX, a XXXX rental property. I have attempted to resolve this debt with the XXXX accounts receivables team numerous times via email and phone calls. I sent proof via email in support of my dispute of the claimed charges to the XXXX accounts receivables team and they agreed to review and reply with a resolution. I never received any additional communication regarding my debt from XXXX after this, and now they have sent me to collections. The debt that XXXX is claiming I owe is regarding furniture belonging to The XXXX on XXXX that they claim I did not return. The furniture in question the staff at The XXXX on XXXX removed from my apartment within my first week of moving in per an agreement I had with the office management, of which I have emails to support. Genesis Credit Management , LLC is now harassing me for this debt, making 5+ phone calls in a row some days, and more than 7 calls a week. I have sent my request for validation of the charges via certified mail.
Product: Credit reporting or other personal consumer reports

I found out the creditor didn't give the required XXXXday notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apartment was looted cards taken used fraudently beyond account limits bank XXXX XXXX should not have allowed fraudulent charges I submitted XXXX police report XXXX on the looting and fraudulent transactions. XXXX XXXX XXXX repeatedly allowed fraudulent transactions beyond account limits and XXXX XXXX XXXX has not accepted responsibility. 
I had XXXX secured credit card with no overdraft no cash availability and XXXX XXXX XXXX  allowed cash transactions all the way to almost XXXX in one month.
Product: Debt collection

I had a Discover card opened in XXXX, and it was closed in XXXX. I was XXXX to XXXX, and the debt was charged off. I received a Form XXXX Cancellation of Debt over 9 yrs  later added to my XXXX taxes. It was not sent in earlier years but tacked on at the last minute nor was I notified of this except from the IRS. Now it is XXXX, and I am still trying to get a letter to the IRS from Discover card that the error was on them and it should have been sent earlier. Discover card is not cooperating and I have tried to reach out to the management and have been told numerous times that they are not available.
Product: Mortgage

I previously filed a complaint ( number XXXX ) which was closed after you sent me an email in XXXX 2016 stating, " The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. '' I received a letter from them shortly after your email stating that they are working on my claim. Since then I have not heard further, despite my numerous phone calls, which have all gone unanswered. Please see the prior complaint for the details. Apparently, after they respond, prompted by the CFBP inquiry, they say they will comply and address the issue, but no further action is taken.. Your email to me from XXXX, 2016 states that " New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. '' Unfortunately, this has not been my experience. I would therefore appreciate if you would reopen the prior complaint. THank you. 
XXXX
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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX 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 discovered that the accounts on my credit report were incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent XXXX, XXXX and Equifax dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all XXXX items from my report. I never received remedy for the damages.
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION FROM MY FILE.THE ITEMS I WANT DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE.I REPORTED THE THEFT TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES TO THE FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THESE ITEMS AS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Company is not properly investigating any of my complaint. I have reported them to the federal trade commission and I have include the report.
Product: Mortgage

I have been applying for loss mitigation assistance with Carrington Mortgage Services , LLC for the past 7 months. I have provided all documents 5 different times and on the phone they say they have everything they need. Then after a couple of weeks I receive letters stating that they need additional documents but they do not state what documents are needed and when I call them they either say they don't have everything or the time has lapsed on certain documents which I in return send them the updated documents immediately. I have email trails for sending them everything multiple times. Also have mailed them with USPS on multiple occasions. I just would like to pay my mortgage every month and not be worrying about foreclosure.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$910.00} XXXX XXXX XXXX Balance : {$27.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is in violation of FDCPA, FCRA and also Metro2 compliance. The account in question is over 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please update this account to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

I purchased a XXXX TV at Best Buy. The salesperson offered me a store credit card with " 24  MONTHS ZERO INTEREST ''. I did not need the credit but it was such an attractive offer I decided to take it. This happened in XX/XX/XXXX. In early XX/XX/XXXX I noticed I was being charged interest. I contacted the company. It's customer service representative told me he would rescind the interest. THIS CONFIRMED TO ME I WAS CORRECT ABOUT MY UNDERSTANDING OF THE PARAMETERS ASSOCIATED WITH THIS CREDIT CARD. 

I always pay more than the minimum amount and pay off my balances before the zero percent offer expires. It wasn't until XX/XX/XXXX I noticed Citi was charging me interest again. I spoke with a manager this time. I told him I had zero percent interest and he corrected me : it was only with regard to items purchased at Best Buy. I closed my account immediately and paid off the complete balance ( except for the interest ) immediately. 

Unfortunately, I had set up an auto pay for the minimum and Citi continued to take the money from my account for 5 more months!! I contacted the XXXX   and California Attorney General. Citi has told me to pound sand!!! They sent me a form letter without acknowledging any of the specifics or even mentioning their fraudulent practices.
Product: Debt collection

Debt validation was never confirmed, Several law violations, billing errors. Consumer credit transaction was created but a cash down payment was taken which makes the contract voided as per 15 usc 1605 ( a ). I asked for debt validation with and on and off ledger confirming a loan was given to me. finance charge also is suppose to be the sum of all charges. In this retail installment the sum of all charges differs greatly from the finance charge which voids the contract. i have been harassed and embarrassed by this company through their abusive practices and their continued disregard to the cease and desist i had during the validation process. They disclosed my residence without my permission and sent repo company to my residence where they breach the peace and took my vehicle
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX  stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
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 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 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 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 and XXXX of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb ; Equifax, XXXX and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX
Product: Debt collection

Yes I was part of the Equifax data breach and I noticed that I started having all these charges and identity theft show up so I filed a report I'm been trying to dispute all these charges to get them off of my credit because they are not me
Product: Credit card

This is the third time for filing this complaint. After each contact Wells Fargo has given me a different story of why I was sent a {$300.00} dollar check on an account that was sold to a collection agency. This last time the collection agency told me that Wells Fargo told them that it was for overpaid interest. I have attached a letter and all of the information including the new information received.
Product: Debt collection

This debt was from a mastercard I had years ago that was paid, and it has been past the time they can collect
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 wanting to delete these inquiries that I didnt authorize. Some of them are reporting multiple times. 

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, credit repair services, or other personal consumer reports

For the out dated information I want to remove from my report, their is no function to remove it or dispute it. The following accounts are old : XXXX, XXXX, XXXX, AND XXXX. I dont see the function to report these accounts that are old and outdated to be removed ( TRANSUNION ) I would like this old information removed from all three credit bureaus
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX, on the XXXX of XXXX I did a transfer through moneygram app for {$25.00}, the transfer was taking too long so I decided to call moneygram to see what's going on. I called Moneygram and they admitted to holding up my transfer, I requested to know why. Moneygram asked me to provide the date of birth for a receiver I never met, not only that they also asked for my receiver 's grandparents name. This doesn't make any sense since i use Moneygram frequently. I told moneygram I don't have the answers to these questions. I asked for the transfer to be cancelled, Moneygram explicitly told me they won't Cancel or issue me a refund until I provide the information. This is a violation of the company 's refund policy. I'm demanding moneygram cancel the transfer with reference no ( XXXX ) and issue me a refund immediately!!! Thanks
Product: Debt collection

When I noticed the debt on my credit report, I attempted to contact the contact : Enhanced Recovery as they were listed on the credit report. 

I spoke with an agent after negotiating with XXXX XXXX XXXX XXXX and Enhanced Recovery that the debt would be deleted if paid. 

Enhanced Recovery notified me that they would delete the debt once I paid the agreed upon settlement. I requested a letter in writing or via email before payment. The representative stated they could not send the letter until it was paid. 

After calling Enhanced Recovery, A XXXX XXXX XXXX and credit bureau about the misleading statements, no one has deleted the collection. 

I called Enhanced Recovery several times and explained the misrepresentation when I made the payment. Several agents have responded with, " we do not pay to had the collection remove, call the credit bereaus. '' Another stated, " ask the credit bereaus what to do to have the debt removed and have them remove it. '' I have asked for a manager, no call as of current and have called daily. The company Enhanced Recovery lied to me, took my payment ( verbal contract which is valid since they received payment ) and did not keep their end of the agreement. 

Please assist as I have done everything I was supposed to do as I could and have fixed my credit in order to rectify my life as it is affected by the reporting of this information.
Product: Debt collection

I do not have knowledge of the debt that is attempting to be collected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. and I seek appropriate redress for these violations.