23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, 2022, I was contacted via text by XXXX XXXX with Genesis collection agency. Please see below. XXXX text he stated he was hired by XXXX XXXX regarding my tenancy in unit XXXX XXXX, owing {$350.00}. To Opt out of the text message please respond XXXX XXXX XXXX. I texted back stop due to me already discussed this issue made payment toward outstanding balance. I receive a phone call moments after I responded stop, its was XXXX. XXXX let me know I owe this money fairly and its not uncommon for apartments to replace carpet between tenants. I explained I understand that but most just shampoo and this was a complete money grab. At this point XXXX began to yell at me and let me know I wont get a house, this will ruin my future the charges are going on my credit score which prompted me to return the exact same energy. He was very aggressive with this attempt. I felt deceived from the initial contact and abused after the call. From nefarious text message practice to the harassments that was felt on this call, left me very uneasy and still makes me angry. I understand Genesis is a 3rd party collection agency and based on this I felt deceived and harassed after this interaction. I refuse to engage with this company
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the many unsuccessful attempts to remove a charge-off entry from my credit report. Despite numerous requests and disputes, the resolution process has proven to be ineffective, and the presence of the charge-off continues to adversely affect my creditworthiness. 

I became aware of a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my consistent efforts, the charge-off remains on my credit report, causing undue hardship and impeding my financial opportunities. 

I wish to bring the following issues to your attention : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history. 

Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period. 

The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement. 

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$250.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$5700.00} / XX/XX/2022 XXXX XXXX XXXX/ {$18000.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of fraud. An individual fraudulently opened a XXXX XXXX XXXX credit card in my name without any intention to pay the balance, resulting in a charge-off of the balance owed to the company. I filed a police report proving this was a fraud and submitted the report to all three credit bureaus. So far, only XXXX and XXXX have removed the judgment from my report, whereas Experian continues posting the charge off, and it continuously reappears on my credit report every time I run it. When a spoke with an agent from the bureaus ' fraud department several times, they agreed that the XXXX XXXX charge-off is fraudulent, and therefore the judgment needs to be removed. They keep on telling me to give it time and that the negative judgment will automatically fall off, however, XXXX and XXXX have removed the judgment immediately upon receiving the results from the police report, with Experian having no interest in doing so, resulting in my credit score with Experian being extremely poor. I would like them to remove the judgment as soon as possible, so I may start building my credit again.
Product: Debt collection

XXXX XXXX XXXX / XXXX / {$980.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I pulled my credit report & noticed inquiries that I dont recognize & I have no knowledge of. I submitted a complaint to identity.gov My FTC report reference number is XXXX PLEASE REMOVE FOLLOWING INQUIRIES 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
Product: Checking or savings account

Wells Fargo ran promotion ending XX/XX/year>. XXXX {$25000.00} for 3 months and get {$520.00}. 

The account is still active with the deposit. 

On XX/XX/year> I opened an account with and deposited {$25000.00} on XX/XX/year> after opening a platinum saving account. 

To date I have not received the promotion. 
For all of XXXX, I have called the branch XXXX where I opened the account and for a month I was given the run around with no response. 

XX/XX/XXXX. I have been calling Wells Fargo complaints department and they have not resolved the issues or provided a response in 12 days
Product: Mortgage

I have been working with Green Tree financial since XXXX. I have applied XXXX times for the HAMP program. They repeatedly loose my paperwork and refuse to give me any information. Basicly they make it impossible for you to take advantage of the HAMP program. They told me if I made XXXX more payments to my mortgage I would qualify for the HAMP program. I made the payments and then the denied me the loan modification. I have been working with XXXX XXXX bu they have not been able to help me. They send some other loan modification paperwork which would stretch my mortgage from 15 years to 40. I really need help before I lose my house. Also, they have harassed me repeatedly by phone even through my bankruptcy. Thanks for your time. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100 ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.
Product: Debt collection

My XXXXXXXX XXXX XXXX  account was closed in XX/XX/year>. Without my knowledge, a collection agency initiated a lawsuit against me. I contacted them for details regarding the amounts owed and the relevant dates, as this account was closed beyond California 's statute of limitations. Despite efforts from XXXX, a debt consolidation firm acting on my behalf, they failed to provide any resolution or the requested information. Today, I was served at my job with documents to garnish my wages. I believe I am not liable for this debt since I have not received the necessary documentation showing the last amounts owed, account usage dates, or closure details. I am facing financial difficulties and have attempted to resolve this matter directly with XXXX XXXX XXXX, but to no avail.
Product: Credit card

Someone has opened a credit card in my name with Chase. I have told them several times that I DID NOT open this card. I never wanted this credit card with Chase. Not only that but somehow there were payments taken out of my bank account to pay for this card without my permission. I 've called and called and asked for the money that was taken out of my account to pay for this credit card to be returned to me, still no response. I 've also advised them that I did not make any of these payments to my card and then later they told me that they can not return it because I owe it to them. This is hurting my credit and I do not have the money to make the payments to save my credit! I also just found out that somehow this account number was changed from my previous card ending in XXXX to XXXX, another thing I did not authorize. I was also re-billed for charges that I DID NOT authorize and am trying to get removed to resolve this issue! They also claim that the charges on my account for merchandise that was purchased was shipped to me and signed for by me, NOT TRUE. I was not even home to sign for anything nor did I order it! I have filed several complaints with this company and they DO NOT listen.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I closed on a mortgage with Provident Funding onXX/XX/XXXX. I have escrow billing for my taxes and insurance. On XX/XX/XXXX, I received a letter from my insurance provider, XXXX XXXX, that they had not received payment from Provident and that my insurance premium was overdue.
On XX/XX/XXXX I received a notice from XXXX XXXX that my bill was past due. They still had not received payment from Provident, which is holding my funds in escrow and is the mortagee responsible for paying the premium. OnXX/XX/XXXX I uploaded a copy of this past-due notice to my Provident Funding online account. It was marked as 'processed ' by Provident on XX/XX/XXXX. On XX/XX/XXXX, I contacted Provident via the website 's Contact Us page form to confirm the receipt and to find out when I can expect this bill to be paid. It is XX/XX/XXXX and I have yet to receive a response and XXXX XXXX still has not received payment for this premium.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. 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

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I HAVE MAILED IN LETTERS TO XXXX, EQUIFAX AND XXXX ON XX/XX/XXXX ASKING TO REMOVE ALLEGED DEBT REPORTING ON MY CREDIT REPORT. IT HAS BEEN OVER 30 DAYS AND THEY HAVE FAILED TO DO SO WHICH IS A VIOLATION OF MY RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and Transunion ) which I have disputed with XXXX  XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and Transunion to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Product: Money transfer, virtual currency, or money service

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

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

We purchased our home in XXXX, Illinois and started out with GMAC Mortgage and were bought out by Ocwen Loan Servicing, LLC ( company in XXXX XXXX XXXX, FL ) .We were current on our payments so there was NO reason we should have been given over to Ocwen , who is a debt collection agency instead of a mortgage company. Our payments have gone up considerably on a 30-year fixed loan. Our property taxes and insurance were es-crowed in ; Insurance on the home has stayed the same and property taxes have barely increased over nine years. We have tried to work with Ocwen of why our payments have gone up {$300.00} dollars, thus causing us to not be able to afford our home, but we continue to get the run-around. We started to get behind on payments when this first happened, and even took out a loan against our 401K to catch up payments. Payments were indeed caught up and then Ocwen ONCE AGAIN increased our payment. Sincerely, Very Stressed Out Homeowner
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will for litigation due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, XXXX reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from Experian reporting 180 days late on XX/XX/XXXX. The Experian report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, XXXX does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.
Product: Credit reporting or other personal consumer reports

i disputed things they are reporting that's false and when asked to provide verification that these things are accurate they have failed to do so. Twice.
Product: Debt collection

This case is against Persolve in XXXX CA. They have had A LOT of law suits, reprimands, ordered to pay restitution, etc. 
I had a XXXX XXXX card and bought a ring for {$1800.00} back in approximately XX/XX/XXXX-XX/XX/XXXX. The ring broke-stone fell out, we returned it but XXXX never closed the account. They then sold it to a debt collector. by XX/XX/XXXX, they had racked up {$5500.00}. XXXX charged off the account in XX/XX/XXXX and it was closed. 

Somehow this unscrupulous company, XXXX XXXX, Persolve LLC got the debt, they took it to court. They said they served me, they DID NOT. I would have gone to court and defended myself. They ended up going and getting a judgement for {$8000.00}! with {$1.00} a day interest!! They started a wage garnishment WITH NO NOTICE to my federal salary. My spouse is full unemployable XXXX veteran. 
This predatory debt collection should not be allowed. This company had done this over and over and over and they continue to stay in business? XXXX them, all the class action suits, judgments against them, failure to provide written notification, adding exorbitant fees and penalties, etc.. SEE attached court order and see the credit report which shows that this was closed in XX/XX/XXXXand charged off and was NO where near this amount owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX  AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Payday loan, title loan, or personal loan

I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well. 
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK TO HAVE THESE TO BE REMOVE AND THEY HAVE YET TO REMOVE THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 APT XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX XXXX : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total and please validate based on my enclosed uploaded items. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX. 

I would like the following to happen : 1. Removal of errant account from credit report.