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

I did some research and found that Genesis Financial Solutions has taken over this account. It is my understanding that it used to be serviced by XXXXXXXX XXXX, and now it is serviced by Genesis. My XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX  about XXXX XXXXXXXX reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX XXXX, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX XXXX, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I have an excellent relationship with Genesis. I have had three cards with them, and never missed a payment. It's offensive they would put so much false information about me on three credit bureaus. It's also offensive, by the way, that they have never increased my credit limits. {$300.00} is a pitifully small credit limit, which is what my Indigo card has and I have had it with a flawless record for two years. I filed a XXXX Complaint against XXXXXXXX XXXX  which they did not answer. I filed a CFPB complaint which they have not answered. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Product: Credit reporting or other personal consumer reports

Re : Failure to Respond to Credit Dispute within XXXX Timeframe I am writing to bring to your attention that my credit dispute, received by Experian on XX/XX/2023, has not been resolved within the XXXX timeframe as stipulated by federal law under 15 U.S.C. 1681i ( a ). 

The following accounts were disputed : XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX accounts were disputed under the provisions of 15 U.S.C 1681, as they have violated my federally protected consumer rights to privacy and confidentiality. Furthermore, the failure to respond to the dispute within the stipulated time frame is a violation of my rights as a consumer under 15 U.S.C 1681.

I am now formally demanding the immediate removal of these accounts from my credit report due to your failure to comply with 15 U.S.C 1681i ( a ), which mandates that consumer reporting agencies must resolve disputes within 30 days. Failure to do so results in the obligation to remove the disputed items.

Please rectify this situation promptly to avoid any further legal implications. I expect written confirmation of the removal of the aforementioned accounts within XXXX business days of the receipt of this letter. 

Thank you for your immediate attention to this serious matter. Failure to comply may lead me to take further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

yes the collection company did respond and they will accept lowere payment XXXX XXXX om medical bill..but i want it in writing on that amount first before i sewnd payment in too them
Product: Credit reporting

I noticed today ( Equifax ) that XXXX XXXX reported that I opened an account with them in XX/XX/XXXX and it has been charged off. They are deliberately reporting wrong information and not following the FTC reporting rules. 

I opened a XXXX XXXX account in XXXX or XXXX. I lost my job therefore I stopped making payments in XXXX. The first delinquency has been well over 11 years. Matter of fact, XXXX XXXX reported me to the credit bureau during the time of delinquency and after 7 years it was removed from my credit report accordingly. If this is the account being reported then they are in violation. However, if someone fraudulently opened an account under my social, I am requesting that this be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My court Records. I understand that " benefit '' came with the program I'm paying for BUT publishing my 18 YEAR OLD PAST XXXX XXXX IS NOT A " BENEFIT '' IT'S A HINDRANCE TO MY FUTURE. 
I paid an Attorney to Expunge my record from the public. These should not be for your viewing. 
This is not a benefit as I now own a XXXX XXXX XXXX which XXXX our XXXX youth. I work with XXXX XXXXXXXX to provide services to these young ladies. This is not a benefit. 
Just like my creditors on this report I need a process which will allow me to remove these negative accounts of my past from my future financial report. 
I should not have to cancel the membership and lose out on the " BENEFITS '' of the program just to have the negative past criminal background present on this report. 
I need to them to be removed immediately in order to secure my future Thank you
Product: Debt collection

I called XXXX I was transferred to debt collection I paid the total balance of XXXX on XX/XX/2024 I would like for the this to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in reference to my credit report, which contains several items that are incorrect or questionable. As per the Fair Credit Reporting Act ( FCRA ), I request that you take appropriate action to investigate and correct these errors immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my report immediately. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Please remove it from my report immediately. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX  This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  Account Number : XXXX This account 's name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I have carefully reviewed my credit report and can confirm that the above-listed items are not accurate. As per the FCRA, I have the right to request that you remove any information that is inaccurate or incomplete. 

Please note that I would like to receive a written confirmation once these items have been removed or corrected from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had accidently made a second deposit on a check on XX/XX/2021 i got from my insurance company for property damages of {$2200.00}. The fund was deducted from my checkings account and the check was never returned to me. I talked to the banker and the issue still hasnt been resolved, or them knowing where my funds go. The insurance company said the check was cashed so they can't write me a new check even though i have a mail saying the money was never cashed. The bank has been holding this fund and nobody knows where it's at. The check was from wellsfargo bank which is also the account i have my bank with. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX alleged account # XXXX XXXX XXXX alleged account # XXXX XXXX XXXX alleged account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX I sent a letter over XXXX addressing these alleged accounts. Reporting agency has not responded, provided any proof from companies reporting these alleged account ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer ). They've furnished invalid erroneous accounts without 1st investigating. The FCRA is clear on its procedures and these agencies must be held accountable.

Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) They allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on housing due to reporting this inaccurate item and not notating it was disputed. 
The items above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. 
They're supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this mat
Product: Credit reporting, credit repair services, or other personal consumer reports

in mid XXXX I submitted fraud disputes with XXXX over the phone regarding fraudulent inaccurate & unknown accounts on my credit report. The initial investigation took well over 30 days & I called in over 3 times and got XXXX different status answers when I called in each time from different supervisors. They each had a different story for me about my dispute status. I believe I called in the original dispute XX/XX/XXXX. I called back octber XXXX and there rep told me I didn't submit the original claim until XX/XX/XXXX which was false. He then advised me that I needed to send in a police report and I advised him that I had mailed it in after my intail call earlier in the month. The supervisor found the police report I submitted and told me that they deemed it invalid. But after reviewing it with me he said that there was no name and address on the police report. After futher review I pointed out that the police report actually had all of my relevant information included on the report including my full name and current address, He admitted that the error was on their part. He said he would reach out to that department and fix the issues, He also advised me that my disputes should be completed by XX/XX/XXXX. Today I called in to check my results the date is XX/XX/XXXX. I was advised that the investigation was closed due to my invalid police report!!!! None of the inaccurate accounts were removed from my credit report.I feel like I am being taking advantage of & being ignored of my disputes they say they have no record of the call or notes from the supervisor I spoke to to help resolve the issue. They made me submit another dispute today and told me I have to wait an additional 30 days for results. section 611 ( a ) states that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report & it has been more than 30 days in they have failed to conduct a proper investigation. I demand these items be deleted immediately or I will file litigation due to the stress they caused me ( Equifax ) the credit bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are suppose to complete al investigations before the expiration period of the period under section 611 ( a ) ( 1 ).

The confirmation # of the dispute with Equifax is XXXX the new confirmation # to my new dispute I filed today is XXXX
Product: Credit card

I submit a dispute for a charge made on XX/XX/year> for {$710.00} against XXXX XXXX, I made the dispute on XX/XX/year> through a call with capital one when they told me they were gon na start the investigation and that I will not get my money back until the investigation is done so that way they prevent my account to go over limit, after a month they gave me the money back so I assumed the investigation was done and that I could use the money, which I did, however on XX/XX/year> they sent me a letter saying that they were gon na re billed my account because the merchant provided an invoice where they say the merchandise was good, the merchandise when XXXX gave it to me they were good, this was for 4 winter tires that worked perfectly just for a week, after a week the back left tire started to go flat every day, so I decided to check with another mechanic and they told me the tire was fine but it continuously got flat every day, and kept going like that. Now, Capital One is asking for proof about this, how do I proof that I tire is flat? Anyway, I want my account adjusted and I dont want this to affect me on my credit score which Ive been working really hard to build it, Im not gon na pay for something that I shouldnt, something that is making my life really complicated and for the record, XXXX dennied to give me any refund or anything in regards of the tire that they sold defective! I paid a lot of money for these winter tires and since the merchant didnt want to help I decided to do a dispute, capital one told me I wasnt gon na go over the limit because they only give me the money back to my account when the dispute is investigate and done. So I need capital one to fire the person who lied to me and to adjust my billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I checked my credit report in XX/XX/XXXX. I saw a from XXXX  XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
Product: Debt collection

Hi, Two weeks ago, I noticed a bad decrease in my credit report. When I checked it was from Genesis Credit Management ( Columbia Debt Recovery ) regarding my past balance from XXXX XXXX XXXX in XXXX. After I disputed and that's when I received an email from this collector company on XX/XX/year>, asked me to pay a payment of {$120.00}. XXXX I mention I moved out XXXX years ago, and never I ever received any approved final invoice from them to notify me about this charge? They would go straight ahead and affect someone's credit without considering legal procedures. I have read all the reviews from this company and I see that many people experienced such a horrific problem as us. I decided to give them a call and that when I was told the past balance was for utility and paint damages, BUT we never pay the preserve any electricity bill, we used the third party company which all renters do. Before moved out, we requested multiple maintenance services which included paint touch up, the apartment deleted all those requests without our knowledge. We did ask them about that, and their response was " We always do paint touch-ups before new residents move in any way, so I do not have to request to get that done before I move out ''. The past balance is not a huge amount, I would not mind paying it even though I do not believe we owe them any utility bills. But I see that many people have experienced the same situation as us and they were verbally abused and disrespectfully treated while they tried to solve this matter. Somebody needs to do something about this, one of the reviews did recommend that we should voice our concern to the cfpb so here I am. AGAIN, they would blankly affect many people 's credit so they can get the money that they want and that is not fair to us hard-working people who would work so hard to maintain a good credit report. I hope cfpb can look into this and resolve this matter so no one can be affected by this company. No one deserves this and no one should be treated this way. After reading all the reviews about this company, I know that I am not alone. I understand why so many people were so afraid to raise their voice due to financial matters to hire lawyer/attorney to help them, so all they can do is expressed their unfair frustration feeling on the review section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected on my Experian report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX
Product: Checking or savings account

Zelle took money that i sent and never return it to me numerous times
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have called Equifax four times requesting a free copy of my credit report. Each time I was told it will be mailed to me, but I still have not received my report. 2 ) I am also unable to get a free copy of my Equifax report through XXXX because the security questions used to verify your identity do no pertain to me. XXXX says the questions are generated by Equifax so I need to contact Equifax. I have asked Equifax to correct the security questions multiple times so I can get a copy of my report, but Equifax said there is nothing they can do when I have called them about it. So ... I am unable to get a copy of my credit report from Equifax when requested, AND I am unable to get a copy online through XXXX either. I have attached two examples of the security questions generated ... none of which pertain to me or my credit file. When I check " None of the above '' it says it can not verify my identity and so I need to contact Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion continue to report a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I received a bill for a charge from XXXX, I never made the charge, I called to dispute the charge. I called the company many times to try to get a response, while in the meantime they charged late fees, and started reporting to the credit agencies that I was not making on time payments. After many calls I was told by a supervisor that the dispute was never filed correctly in their system, therefore never triggering a dispute, and he assured me that he would get it resolved. I have never received any communication from them regarding the dispute, even after calling many times. Today I called and was told that the dispute had been resolved and it was found to be a valid charge. It is not. It seems like they are trying to scam me out of money, and they have done irreparable damage to my credit by reporting that I am behind on payments by 5 months when I never charged anything in the first place. This card was an emergency card that I did not use, the last charge I made on this card was in XXXX of 2021.