23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the inaccurate information that appears on my consumer report. Specifically, I am referring to the collection account listed by GENESIS CREDIT, which I do not have an account with and is erroneous. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect or inaccurate information on my consumer report. I am requesting that you investigate this matter and remove the collection account from my credit report. I have never opened an account with GENESIS CREDIT, nor have I had any dealings with them. 
Which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have reason to believe that this account information is inaccurate and has caused harm to my credit standing. 

The FDCPA mandates that debt collectors maintain accurate records and provide clear and concise information about the debts they are attempting to collect. Additionally, the FCRA requires that credit reporting agencies maintain the maximum possible accuracy in the credit reports they publish. In this case, I have identified the following potential violations : ( XXXX ) Failure to provide proper validation of the debt ( XXXX ) XXXX inaccurate and unverified information to credit bureaus ( XXXX ) Inadequate communication regarding the account and dispute process I request that you provide me with all necessary documentation to validate the debt, including any agreements, account statements, and proof of payment history. Furthermore, I insist that you initiate an investigation into the accuracy of this account information and remove it from my credit report if it can not be verified. 

If the investigation reveals that the account information is indeed inaccurate, I expect GENESIS CREDIT to rectify the situation promptly by updating my credit report and providing appropriate compensation for the damages incurred, including emotional distress and potential harm to my creditworthiness. 

I appreciate a prompt attention to this matter and expect a response within the legally required timeframe, as specified in the FDCPA and FCRA. If a satisfactory resolution is not reached, I reserve the right to file complaints with the appropriate regulatory agencies and pursue legal action to protect my rights as a consumer. Under the FCRA, GENESIS CREDIT is required to investigate and respond to my dispute within 30 days.
Product: Debt collection

OMEGA RS reported a collection account in my name with XXXX XXXX credit bureau without sending me notification of debt and the notice of right to dispute.
Product: Debt collection

Every month with today XXXX/XXXX/17 - XXXX EST being the latest call. I received an aggressive message stating im leaving no choice but to file suit, garnish wages, notify employer of debt, time is running out to resolve the issue, its in my best interest to contact them. they have my social and its my last chance?
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not resided in Florida for over 3 years. This bill has a open date of XX/XX/2021. This is not my debt or this agency is in violation of the FCRA by posting old information as new.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Amerihome Mortgage company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XXXX 2017- XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on X/XX/2017 which was suppose to post on account by X/XX/17 ( which it has not ) and will begin making monthly payment on my behalf X/X/2017 ; my issue with Amerihome mortgage is that in XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XXXXXXXX 2017. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES and COLLECTIONS ARE UNAUTHORIZED AND I AM A VICTIM OF IDENTIFY THEFT BY INFORMATION BREACH. 
Remove all listed from credit reports, XXXX XXXX, XXXX, Experian credit reporting agencies 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My minor daughter is an authorized user on my credit card, and her credit card company reports her activity to the three credit bureaus. According to Equifax, her personal information was exposed during their recent data breach. However, when I attempted to sign her up for the advertised free data monitoring, the Web site refused, stating that " Equifax does not typically have information associated with minors. '' ( https : //www.equifaxsecurity2017.comXXXX ) I received the same information from the call center.
Product: Money transfer, virtual currency, or money service

Coinbase.com is asking consumers to add funds to their account via credit or debit cards. They are then charging the consumers ' ( including me ) cards as a cash advance without proper notification of this transaction before purchase. My and other credit card companies are then charging transaction fees to me and other consumers because of this cash advance. Upon contacting coinbase, I was told it's not their fault and it's the credit card company 's fault. Which is false, due to the lack of proper knowledge provided by them when making the transaction. This problem is wide spread throughout the nation at the moment
Product: Student loan

They said they removed the loan from my account but its still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX Balance Owed : {$15000.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

A tenant filed a small claim against me. Because I had all my personal property packed, I did not and could not win my case. I paid my fine at the time of the decision. I am XXXX and when I learned I had an outstanding bill for court costs I paid it. The clerk said the judge would have told me when I was in court. Had the judge told me in a manner I could understand, I would have paid the entire thing at the court house, since I now live nearly XXXX hours away. So the tenant filed something against me, when I refused to go on Judge XXXX, from whom I receive mail and a call. The tenant said we could go and they could win again but, I would get a free trip to California. Anyway, I have paid this entire thing in full and would like it closed on my account please. Thank you.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am working in conjunction with Keep Your Home California. I have been approved for {$58000.00} to be paid to Nationstar, dba Mr. Cooper, for my loan # XXXX. I was pre-approved through Nationstar 's HHF division via KYHC. Nationstar was sent an A report on me letting Nationstar know that I had been approved and that the funds would be wired on XX/XX/18 for the payoff amount of {$58000.00}. 
I was told by KYHC that if I do not finalize within 30 days documents that are supposed to be immediately forthcoming from Nationstar my funding will be cancelled. 
I have been trying for over 10 days to get a status on whether or not my funds were received by Nationstar on XX/XX/18, what time, how they will be applied and by what accounting method, what documents they are sending and when, and any other pertinent information so that I can execute on my end and not lose my benefits. 
The Loss Mitigation division does not allow anyone to speak directly to the Foreclosure Prevention division, which is the division that interfaces with KYHC and HHF. I have to go through a customer service person who has to email that division and wait up to 48 hours to get any information to them and another 48 hours for that person to report it to me. THIS IS RIDICULOUS. This is my home and funding we are talking about. 
To date I have received no communication other than a laconic email that said the monies have been received -- no date, no procedural information, and no explanation of documents I can anticipate and their timeliness. I was also given an XXXX number to call my point person, XXXX XXXX, whenever I needed to reach out. I have been dialing this number practically nonstop for the last two days. ( The whole number is XXXX. ) After redialing for 50 to 60 times in a row, the number is ALWAYS BUSY. I even called it just now, at XXXX XXXX Nationstar 's time, and the number is still busy, when callers can not possibly be calling in because they're not open, so I know I am being given a bogus number and the runaround. 
Please do something. I can not risk losing the benefits for which I was vetted and approved and which I need to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX
Product: Debt collection

I received a letter on Monday XX/XX/XXXX from XXXX XXXX, dated XX/XX/XXXX, in an attempt to collect a paid debt. The letter was received after their firm, XXXX and XXXX entered into a settlement agreement with me and filed a Request to Set Aside Default Judgement, supposedly filed on XX/XX/XXXX. My lawyer requested and still has not received a stamped copy of either. There is no entry on the courts docket. 

It 's completely unacceptable, unethical, fraudulent and in violation of the settlement agreement in this case. So, far the only term of the settlement agreement that they have complied with has been the cashing of the settlement check.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XX/XX/2023. I appreciate the services provided by XXXX XXXX and the role you play in facilitating my homeownership. 
I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. 
Upon investigating this matter further, it appears that the lateness may have been the result of XXXX XXXX  as stated on their website and the document they sent me stating that they processed check # XXXX on XX/XX/2023 and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX payment will be delivered by paper check on Wednesday, XX/XX/2023 SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX  XXXX  sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXX XXXX  in XXXX, Tx it was delivered on XX/XX/XXXX. That's not 30 days late. XXXX XXXX  said they received it XX/XX/XXXX but can't verify that.
Product: Credit reporting or other personal consumer reports

Experian report an inquiry XX/XX/2024 by XXXX XXXX XXXX. I have no business with this bank.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here 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 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
Product: Payday loan, title loan, personal loan, or advance loan

This company is a predatory lender. I never submitted an initial application to them yet received a notice that I had been approved for a loan amount. When I initially reviewed them they appeared to be a legitimate loan company. When attempting to finalize the loan documents. I was advised that I had to purchase an insurance ( which wasn't required for my state regarding the loan ( ( as they attempted to blanket the excuse with a pandemic 'new law ' which upon further research it was a temporary law set to expire. When I attempted to question XXXX XXXX XXXX he began using profanity and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns medical bills that have been paid by my insurance.. XXXX  already fixed issues,, XXXX  has not.. XXXX still showing medical bills with collection agency XXXX,, XXXX, I called XXXX, also known as Doctors Business Bureau and spoke to XXXX AFTER, I Called and spoke to 3 previous Agencies, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX XXXX, XXXX where service was rendered, XXXX XXXX, XXXX XXXX XXXX, All of which show my medical bills are paid by my insurance ... I called XXXX and spoke to a " XXXX '' and asked how can you show that I owe medical bills when all these agencies and original service provider shows they are paid and I owe nothing,, I gave him all points of contact including names and numbers and addresses to verify my bills are paid and please remove from my credit.. He said that wasn't possible even after all information I provided ... I filed another dispute through XXXX, provided same information as I did To XXXX at XXXX and still XXXX has yet to remove their collection on me.. XXXX has deleted those from my account ... I done all I could and Provided All information to XXXX  to delete this collections on me and remove.. I supplied all my insurance information also to XXXX to verify bills paid ... Nothing.. Still on XXXX  credit,, XXXX ... I Researched online and have a found complaints filed for XXXX not removing paid medical bills after proven paid.. Complaints made to XXXX, though XXXX isn't part of the XXXX..I need this off my credit report,, it's PAID ... Please help me if you can.,, Thank You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Florida XXXX Amounts showed that I owe that have been paid for by my insurance are as follows {$150.00} {$250.00} {$810.00} {$870.00} All have which been paid by my insurance and showed paid by original service provider and all agencies prior to XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a debit card in my name from Chase bank, however, I do not, nor have I ever opened an account with Chase. I believe this fraudulent account is connected to a fraudulent tax return that was also filed under my name. When I reached out to the IRS regarding the fraudulent tax return, it was immediately cancelled. However, my experience with Chase bank has been quite the opposite. The moment I got the debit card, I called Chase 's customer service line. The representative told me that their fraud department wouldn't be open until the next morning. When I called the next morning, I was on the phone with Chase for 46 minutes, explaining the situation to four different Chase representatives, only to be told that they would send me a packet of paperwork in the mail. It took about ten days for the paperwork to arrive and when it did, I began to fill it out immediately. They had requested information from me, such as the account number, that I did not have. I called them asking for the account number so that I could submit the paperwork but after 25 minutes on the phone with them, they told me they couldn't disclose the account number over the phone and that I'd have to go to a local branch. I also had questions about the police report they requested which the representative could not answer. I then scheduled an appointment with Chase and when I arrived, the employee helping me had never dealt with a case of fraud before. I made it clear over the phone while scheduling an appointment that I would be there regarding a fraudulent account and yet they set me up with someone that did not know how to help me and could not answer any of my questions. I ended up being able to get the paperwork submitted. A few days later I received a letter from Chase alerting me that the account was overdrawn. A week later I received a statement for the fraudulent account, meaning that it was still open. Then, on XX/XX/XXXX, over a month after I originally alerted them that the account was fraudulent, I got a letter from them that said they had received my paperwork and were planning to close the account " soon '' so long as certain information was not provided that would allow the identity theft to keep the account open. It is now XX/XX/XXXX and I just received a letter that says they decided the account was not opened by me, a month and a half after I requested that they close it. I have dedicated large amounts of time and provided more than the necessary information to Chase in a timely manner. They aided the criminal that stole my information by allowing this account to stay open for far too long. They wasted my time over the phone and sent me to a branch with a representative that could not help me. I may be paying for the rest of my life for Chase 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX    XXXX  , Transunion removed an account from my credit report due to its inaccuracy. Upon reviewing my credit report, it has come to my attention that this same account has reappeared on my credit report. I have also disputed this same account on numerous occasions and yet this account is still on my credit report. I am demanding that the account from national credit systems be removed from my report as it was done in  XXXX    XXXX   for its inaccuracy. This account is affecting me and hindering my family and I from moving forward. I have no knowledge of this debt/account and I have requested validation of this debt multiple times with no response whatsoever. Transunion added this account onto my report without any form of notification, to my understanding this is indeed a violation. I have attached proof that this account was indeed removed from my report.
Product: Debt collection

Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.