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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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

I sent a certified letter on XX/XX/2022 to remove personal information that I dont want on my credit report. According to the Fair credit reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802. no financial institution is supposed to share my information to third party individuals. These are clear violations of my federally protected consumer rights.
Product: Debt collection

I am filing this complaint against GENESIS CREDIT MANAGEMENT for multiple violations of consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. **Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** GENESIS CREDIT MANAGEMENT has failed to provide validation of the debt in question. Despite multiple requests, they have not provided any evidence demonstrating their authority to collect this debt. 

2. **Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been provided with an opportunity to dispute the account with GENESIS CREDIT MANAGEMENT. They have not communicated the necessary information regarding my rights to dispute the debt within the required time frame. 

3. **Use of False, Misleading, and Deceptive Practices : ** GENESIS CREDIT MANAGEMENT has engaged in misleading and deceptive practices by reporting this debt to consumer reporting agencies without providing adequate validation or disclosure as required by law. This includes using false representations regarding the validity of the debt. 

4. **Violation of Reporting Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : ** GENESIS CREDIT MANAGEMENT has furnished information to consumer reporting agencies without fulfilling their obligations to provide accurate and complete disclosures. This violates federal laws governing the reporting of consumer information.
Product: Credit reporting or other personal consumer reports

This is my second time writing to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
The credit bureaus are giving me a hard time to update my address. They keep addresses that I do not live it at on my credit report. This is hindering me. This is not accurate at all these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1500.00}, {$480.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report
Product: Credit reporting or other personal consumer reports

THIS IS THE THIRD TIMES REQUESTING THIS FRAUD ACCOUNT DELETE FROM MY CREDIT REPORT BY LAW. 


THIS PNC BANK CHARGED-OFF ACCOUNT WITH A BALANCE OF {$1300.00} IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I NEVER OPENED THIS FRAUD ACCOUNT AND NEVER LIVED AT THIS ADDRESS ON FILE FOR THIS CARD. 

DELETE THIS INACCURATE FRAUD COLLECTION CHARGED-OFF FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, 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 XXXX : {$0.00}
Product: Mortgage

This is a follow up to Wells Fargo response to XXXX. They did not accurately reconcile my account. They have misapplied payments and stating the wrong dates for outstanding amounts. This plays into the Loan Modification  in progress because they state I owe $ XXXX and that is not accurate. They are offering a loan modification based on erroneous information, increasing my payments along with the interest rate. Based upon documents attached and noted in the petition they Filed and the Bankruptcy records, the initial amount I owed was {$21000.00}. I paid {$12000.00} and {$9400.00} was included in the Chapter XXXX, which has now been converted to Chapter XXXX. Then beginning XX/XX/XXXX, I begin making monthly payments all through XX/XX/XXXX. Some of the amounts paid were based upon the monthly payment amount due and provided by the Tellers, when making my payments at the Branch office and some were partial payments. The trustee paid approx. $ 2K+ before I converted to Chapter XXXX and I do not see record on that in the Activity Statement they provided. At best, I owe the {$7400.00} ( originally included in the BK minus what was paid by the trustee ). That amount is specifically for the months of XX/XX/XXXX- XX/XX/XXXX, which is critical since the payment amount changed at some point. I want CFPB to take further action on this. I keep filing complaints and they are not handling this appropriately. They don't try to speak with me and always call during work hours. I'm tired of dealing with them and their incompetence.
Product: Credit reporting or other personal consumer reports

Tried to access my account at Experian to pause a credit freeze so I could purchase a car this weekend. Despite what I believe to be the correct account login and password, I could not access my account. The alternative options provided on the website, which included text or phone call after providing my XXXX and XXXX did not work. No text or call was ever received, despite Experian having the correct phone number. I selected re-send multiple times. Did this both on Friday, XX/XX/year> and Saturday, XX/XX/year>. I then made multiple calls to the helpline provided on Experian 's website. Despite providing the requested information to the computer, it would not help me and would not route me to a live person that could presumably help solve this problem. I also downloaded the Experian app in hopes that it would provide an alternative method of verification, but no luck. I followed Experian on XXXX and send them a message using the XXXX app, but have not received a response. Credit freezes seem like a good way to manage fraud risk, but if they can't be paused and we can't rely on Experian to help manage any technical issues, then using the credit freeze can put you in a limbo for which it seems impossible to get out of. And you may not be able to proceed with financial transactions because of those freezes and Experian 's unwillingness to help resolve problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account # XXXX I am writing to request the blocking of a fraudulent collection account from my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This account is the result of identity theft, and I am seeking to have it blocked from my credit report. 

Please block this fraudulent account from my credit report as required under the FCRA. Additionally, I request that you confirm in writing once the account has been blocked.
Product: Credit reporting or other personal consumer reports

XXXX has breached my information. I am a veteran and vulnerable to retaliation. I am being harassed and my phone is ringing off the hook i'm a service connected veteran and this exacerbates my disability.

There are even scammers that are sending me emails such as this because of the breach. 

You've Received a Virtual Prepaid Card {$17.00} Per the terms of the Settlement, your pre-paid card is enclosed for your XXXX Data Breach Settlement Extended Claims Period claim payment of {$17.00}. 



REDEMPTION INSTRUCTIONS Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX You can also navigate to the XXXX Data Breach Settlement XXXX XXXX XXXX and follow the instructions to redeem your card. 
Once on the www.MyPrepaidCenter.com site, click " Enter Code '' and enter the redemption code : XXXX XXXX  : Click the link above or copy and paste the address into your browser to navigate to the activation site or navigate to the XXXX Data Breach Settlement site. 
If you search for the redemption site online, please be aware that there are fraudulent websites. We recommend following one of the paths above to avoid fraudulent sites. 

REDEEM VIRTUAL CARD Redemption Code XXXX You received this email from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX If you do not wish to receive further emails from the XXXX XXXX XXXX XXXX XXXX XXXX us at XXXX. 

This violates : The Fair Credit Reporting Act ( FCRA ) - specifically : 15 U.S.C. 1681 ( b ) - Failure to protect consumer data 15 U.S.C. 1681e ( a ) - Failure to maintain reasonable security procedures The Gramm-Leach-Bliley Act ( GLBA ) Specifically the Safeguards Rule requiring financial institutions to protect consumer data Section 5 of the Federal Trade Commission Act Prohibiting unfair or deceptive practices affecting commerce
Product: Debt collection

I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX notes to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted the Compliance Challenge for metro 2 to experian as you'll see in the below pdf. 

They never responded to the letter of challenge for the negative items and its now XX/XX/XXXX XXXX OVER 56 days ) VIOLATION # 1 they fail to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive information from the creditor within the first 30 days ). 
Consumer protection afforded by the FCRA FCRA Section 611 Part ( A ) ( 1 ) They never removed the accounts after being shown the inaccuracies with there reporting from the below either. 

VIOLATION # 2 Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy. 
Defamation, willful injury FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX XXXX ). 
Extent of damages incurred by the wronged party, as deemed by the courts. 


These are VIOLATIONS and they HAVE TO PAY NOW. I've attached the images of the disputes that were initiated in the time frame. They never even initiated a dispute and they never even responded. They also never removed any of the information after being sent the proof of inaccuracies.
Product: Checking or savings account

Wells Fargo has charged me a monthly fee for my checking account even though it has more than {$500.00}.
Product: Checking or savings account

0n XX/XX/2023 i tried to withdraw XXXX $ that was transfered to me a few days earlier. when i tried to withdraw the funds at XXXX at XXXX XXXX XXXX the funds were not avalable. i have not been able to access my account on line. i have card and atm reciepts. please advise thank
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry that was made into my credit report please delete.

Inquiry date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I called Equifax, then placed a freeze on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent utility account appeared in collection on my credit report. I did not notice the issue until XX/XX/XXXX even though the account was opened in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$77000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$22000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX - XXXX - XX/XX/XXXX - {$47000.00} XXXX - XXXX - XX/XX/XXXX - {$7800.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Opening Checking account with Truist on XX/XX/XXXX with a promo code for a {$400.00} bonus. Completed all required steps in time frame to receive bonus. Which stated it would be deposited within 4 weeks of completed required activity. 

Called on XX/XX/XXXX to ask for update as that had been a little over 4 weeks since I completed required activities. Was informed by the rep, even though it says 4 weeks on the terms page. They can take up to 90 days which it does not say anywhere. 

Called again on XX/XX/XXXX to ask another rep and mentioned that he will send it up the chain to have it reviewed by someone else. He never mentioned a 90 day period. But informed me the timeline for escalation was approx 15 days. Meaning that the 4 weeks stated was never even a possibility and I was mislead from the beginning.
Product: Credit reporting

I have a student loan account that is consolidated now, but used to be XXXX separate loans corresponding to semesters spent in college. I have a 90 day late on my credit report for each of these Closed accounts. The servicer at the time is no longer in business. I have called the National Student Loan Data Center as well as the current servicer and they have no record of me ever being behind on any of those loans while separated or consolidated. I feel that it is unfair that this is being reported on my credit because the information is inaccurate, and it is preventing me from getting a mortgage.
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation.

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unfamliar to me. Remove this account ASAP.
Product: Mortgage

We financed our home with Wells Fargo in 2007 for a 30 year fixed rate term. We made payments for nearly 10 years, our starting balance was a {$150.00} our current balance is {$150.00}. Our total payments to date are {$120.00} and only {$4.00} is on principal. How can that be?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus failed to respond to my request to validate the negative information that they are illegally reporting to my credit report. I disputed the accounts and asked for them to be removed as they are in direct violation of 15 USC 1681s2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information. these violations are a directly affecting my ability to gain housing and employment. I am demanding that the following accounts. The following dates showing XX/XX/2017 by XXXX XXXX during this period I was incarcerated and disputed this as identity theft. 
XXXX XXXX is howling incorrect information. And the State of Michigan Child Support has never proven the DNA of the children and should not be reporting to my credit.
Product: Credit reporting or other personal consumer reports

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be corrected from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was informed by a family member that there was a lawsuit filed against me by XXXX XXXX trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. XXXX XXXX has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!