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

On XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis LLC sent a collection letter that I received by email. I do not recognize this debt and sent a validation letter by certified mail on XX/XX/XXXX requesting verification of the debt owed. I stated clearly in my letter that I was disputing the collection on my account. I received the certificated mail receipt proving that Genesis LLC did receive my letter on XX/XX/XXXX. On XX/XX/XXXX, my credit account was reported on by Genesis LLC. My credit score was negatively impacted because of this. I have yet to receive validation of the debt from Genesis LLC. I was proactive and sent my validation/dispute letter within 30 days of the timeframe given, but I have yet to receive any documentation. Genesis LLC should have marked the debt as disputed on my credit reports. This is required under section XXXX ( XXXX ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Genesis LLC continued to reach out to obtain the debt even after acknowledging that they received my letter. Under the FDCPA, Debt Collectors can not communicate with you before XXXX AM or after XXXX XXXX  ( FCDPA 805 ( a ) ( 1 ). Genesis intentionally violated section XXXX ( a ) ( XXXX ) of the Fair Debt Collection Practices Act by calling me on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. I had also already submitted complaints with the CFPB with documentation proving these FDCPA violations. 

Fast forward to today, XX/XX/XXXX, and I was notified that my credit had a collection that was reported on XX/XX/XXXX by Columbia Debt Recovery LLC dba Genesis LLC. This appears to be the same collection from XX/XX/XXXX. I have not received any direct communication from Genesis LLC regarding this collection. I have not received any personal emails or letters. Additionally, as mentioned above, I have disputed this collection and have not received any documentation from this company. I feel that this company continually leverages my credit report to harass me into paying this debt.
Product: Debt collection

XXXX IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX They have over 200 complaints filed against them by the XXXX. 

They falsely and incorrectly claim that I owe {$6100.00} and are unfairly damaging my credit. 

Make them delete this false claim against me, and give them a punitive fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX  Account # XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX # XXXX BEING REPORTED TWICE BY XXXX DIFFRENT COMPANIES XXXX XXXX  ACCT # XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX XXXX IS NOT A CHARGED OFF ACCOUNT DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXXXXXX  - BEING REPORTED XXXX  AND DATES ARE INCORRECT ON ALL CREDIT REPORTS XXXX  XXXX XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX  - IS NOT A CHARGED OFF ACCOUNT - NO BALANCE WAS DUE ON THIS ACCOUNT THIS WAS A PAY AS YOU GO ACCOUNT XXXX XXXX XXXX  - WAS XXXX OFF IN THE BANKRUPTCY CASE -DAYES ARE INCORRECT ON ALL CREDIT REPORTS FIRST SAVINGS CARD DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX XXXXXXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES
Product: Debt collection

I received an email from Fortiva in response to a secure message that I sent and was told to call in to speak with someone, so I did. I called in and was cut off, interrupted and eventually hung up on when I asked for a supervisor. The rep name was XXXX XXXX. I called back and that was also useless. This company is a joke. They do not help with anything and the language barrier does not help. Instead of trying to understand my concern both agents just got louder and was just loud and wrong! I even called back and requested a supervisor and was told that one was not available! What a complete JOKE!
Product: Mortgage

My loan was transferred from TIAA to XXXX XXXX on XX/XX/XXXX. I received a letter from Everbank on XX/XX/XXXX stating that wind insurance was required for our loan. This has not previously been a requirement for our loan and was not disclosed when the loan originated. I called Everbank to ask about this requirement. They stated that they had already purchased a wind insurance lender placed policy. I informed them that they had not provided me with the federally required 60 days notice and two written notifications. They acknowledged that since they 've only owned/serviced my loan for 14 days that they were in violation of this requirement. However, when I ask for the lender place policy to be removed they refused and stated that they would submit a research request that would take 15 days. I then informed them that I already have wind coverage under my main XXXX homeowner 's policy. On a 3 way phone call with Everbank, XXXX confirmed to Everbank that we already have wind coverage. I again asked for the lender placed policy to be removed and they again refused stating that I had to wait 2-5 days for the fax from XXXX confirming coverage to be processed and then 15 days for the research request. I spent 3 hours on the phone trying to remove an illegally placed and unnecessary lender placed insurance policy. This is abusive lending.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX randomly shut off my access to this account and requested a copy of my ID to verify my identity. I sent them a copy of my ID, but they then closed my account. I had a XXXX balance when I last had access to the card. I do not recognize the balance they are reporting nor have I ever been late on a payment on this account. They are reporting me 60 days past due and decimating my credit score and report. They are unwilling to work with me and I have no other recourse to get this negative and false reporting removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -- -- attached from courts to delete off credit report immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My rights were violated with all these companies reporting in my credit report in collections Paperwork attached in file
Product: Debt collection

As a federally protected consumer XXXX XXXX solution and capital one has committed identity theft and are in violation of FCRA. XXXX XXXX XXXX XXXX are attempting to collect on a debt that is not owed and Capital has sold the alleged debt to this company meaning my information has been sold without my permission!
Product: Credit reporting or other personal consumer reports

I have been disputing this information and Experian is not taking my dispute serious. These accounts were opened due to identity theft and they are refusing to delete it. Here is a copy of my ftc report again so that they have all of the information to delete this off my credit report immediately, as stated before this was opened with identity theft and is not my account. I did not receive goods or services from these companies.
Product: Mortgage

Chase loan XXXX XXXX  Mortgage loan originated at First Republic Bank ( XXXX ) in XXXX XXXX my monthly payments from XXXX XXXX XXXX XXXX in XXXX Right before transferring loan to Chase FRB removed from my account XXXX XXXX XXXX  for loan payment putting my finances into tailspin. FRB promised to return money, but that never happened In addition FRB claimed to pay my RE taxes even though taxes were paid and I supplied FRB XXXX XXXX with documentation submitted to XXXX pending resolution since some of my payments were not applied FRB and than Chase made me responsible for over XXXX XXXX supposedly paid in XXXX XXXX XXXX XXXX XXXX additionally to my payments when my yearly tax bill was approximately XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately that I have not ever even opened. its says somethings about having two late payments on an account that in fact could have been paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that their were late payments. If this information can not be verified I demand these payments be updated to paid on time immediately or removed Thank you for your understanding and prompt action please Im begging Im only XXXX and this is considered fraud thank you so very much
Product: Debt collection

Financial corporation of America. XXXX Tx. 
Had my medical bill information. Did not own my collection account. My account was never sold. Asked me to pay a higher amount of XXXX when I only owed XXXX.
Product: Checking or savings account

I wanted to open new account in BMO along with safe deposit box. Called XXXX branch. spoke with manager- XXXX XXXX she gave me appointment on XX/XX/XXXX. When i reached, she took my information, promo code etc and then told she cant open my account and asked me to come other week. i went to bank with my wife other week ( on XX/XX/XXXX with appointment ). we cancelled all our appointments and went to bank to open new account. After going to branch, bank manager started giving different excuses. first she told my appointment is on wednesday, then she told bank computer system is down and they will call me once system is stable. one other employee wanted to help me but bank manager turned her down and asked us to come other time. its been whole day and they never called me. How can computer system can be down whole day in the bank next to XXXX campus and in XXXX XXXX. I saw other people going to bank. Later that day, i again called them and asked if their system is stable. Some employee picked up phone and she wanted to give me correct response but some other male manager picked up phone and he told me i can not open account at their branch because our business interest don't align. this is clear discrimination against XXXX people. I have been seeing such discrimination in this branch ever since i visited. they are giving me some or other excuses and don't want to help me open new account. i asked them multiple times that i will open account online then they said no, i can not open account online. if i open account online then they will not give me safe deposit boxes. I tried complaining to their customer service over the phone, XXXX and XXXX. They kept telling me I will get response in 1 -2 business days and so far I did not receive any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from Citibank rejecting an application for obtaining an account. I did not apply for the line of credit. I called Citibank but they are not interested in helping me unless I provide my SSN #. I do not want to supply info to Citibank because I have no known accounts and don't even do business with them. There is a reference number on the letter but they will not pursue unless I divulge my SSN #. I am afraid this activity will adversely affect my credit information negatively. Please advise. I enclose a copy of the letter from Citi. 

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

I have filed a dispute in regards to the incorrect items on my credit report. Item information is inaccurate
Product: Payday loan, title loan, or personal loan

Made purchase online with XXXX for tires and sensors. Company not able to ship in time so called koalafi to cancel loan. If I dont take delivery in California they can not charge me for the items. They have taken several payments from me and Ive never had the items in my hand to have possession. Calls to agents are a waste/ I want a full refund or will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

ASSETCARE has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report.

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

I have a complaint against Experian and Equifax for conducting sham investigations when consumers disputed errors on their credit reports instead of the reasonable investigations required by the Fair Credit Reporting Act. When consumers did manage to get errors taken off their reports, the CFPB alleges that Experian illegally put back, or reinserted, the inaccurate information on their reports. Due to this actions they are getting sued for fraud and violating of Acute consumer rights 15 U.S. Code 1681, a part of the Fair Credit Reporting Act ( FCRA ), covers congressional findings and a statement of purpose, emphasizing the importance of fair and accurate credit reporting for the banking system 's health. 
They are not reporting accurate information in my report I immediately demand to remove all negative marks in my report. My identity is also been taking under another person by the name of XXXX XXXX also XXXX XXXX I don't know this person and he is working under my identity please remove his name out my credit and the debt associated.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is wrong and there is 1 previous address that is not mine I never lived there see XXXX XXXX for explanation
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I took out a personal loan with Seedfi.com who bases their company on helping people build credit. The initial loan was for XXXX. XXXX was received upfront and XXXX was put into a locked savings account that would not be open for me to withdraw from until I paid off the loan. The FAQ questions on the website gave a vague answer that it would take " several business days '' for the savings to unlock. The loan agreement did not address it at all. 

On XX/XX/XXXX, I paid off my loan in full of around XXXX. The loan payment processed and the account showed paid, but my savings account was still blocked. I called the company and they told me that with large payments it can take 7-10 for your savings account to unlock. I explained this information was not in the loan document or on the website and that if that was the way it was ran, the consumer needed to know that upfront. There is no time guidance on the loan document. They finally told me my loan would release today. Nope. Now they are saying they don't know when the " system '' decides that. I can not talk to anyone who can release my money.
Product: Vehicle loan or lease

I contacted auto track on XX/XX/2020 and explained the financial hardship due to being laid off due to the coronavirus. I even told them if I can go back to work in a week or so I wouldnt get paid until the middle of XXXX. I was told that my payments are weekly and I have only made seven payments. The managers would not be willing to help me. I needed to pay as much as I could by this Friday. 

An update as of XX/XX/2020 I am no longer employed and will not be returning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX  to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

XXXX I have submitted all required documents to Wells Fargo numerous times. The issue continues to be unresolved by you. Why? I am requesting my XXXX XXXX Wells Fargo XXXX. XXXX ( XXXX XXXX ) ORDERED Court settlement check. 
I have XXXX and your harassment is illegal towards me. 
Stop harassing me! Stop!!
Product: Checking or savings account

The date started in XXXX to XXXX for the interest for the the month to month with the bank I called an the person on the phone said that they would give the interest but they were at the house because of COVID break from home they answered the call, should of been the monthly interest
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear Equifax Dispute Department , I am writing to dispute specific items on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my authorization : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX Under the FCRA, such inquiries require my explicit consent. As I did not authorize them, I request their removal from my credit report. 

Inaccurate XXXX Account Information : The XXXX account detailed below is incorrectly reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off The CFPB consent order involving Equifax underscores the need for accuracy in credit reporting. Please update this account to reflect its accurate status or remove it if unverifiable. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed XXXX from ace cash express my loan was due every 2 weeks since Ive been paying loan the associate XXXX has been giving me miss information on loan. He tells that I borrowed more than what I applied for then tells me Im sorry and then tells me my loan was paid off when it wasnt. I made a payment on loan XX/XX/XXXX he tells me my next payment is due on the XX/XX/XXXX which I have on receipt I called the company they did about it and realized that it was there problem and told me it was a system problem for something that wasnt my fault after I was telling them for days what happen. So now Im taking heat for something that he made error with and this is unprofessional.