23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Move out XX/XX/year> First Contact from Columbia Debt Recovery LLC dba Genesis was by email ( from XXXX ) on XX/XX/XXXX. 

Genesis Collections has called me about a debt ( to XXXX ) that I dispute. Genesis unilaterally decided that my dispute was invalid. The name I was given for the Senior Manager I spoke to was XXXX XXXX. He gave me one hour to pay the debt or be open to credit bureau reporting. I explained that I am XXXX and hadn't received a paycheck since XXXX. He gave me " a reasonable amount of time '' to make phone calls and borrow the money or my account would be open to credit bureau reporting, one hour. This conversation is recorded. 
XXXX did not own the property at the time I moved out. They are attempting to collect on a debt that I initially disputed with XXXX XXXX XX/XX/year> and still dispute to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 the system is taking advantage of me. 611 ( a ), it is plainly stated that a failure to investigate these items when 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should deleted promptly.
Product: Mortgage

Specialized Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This company purchased my mortgage loan recently and I have a perfect payment history. I have called on XX/XX/XXXX and spoke with XXXX who was rude and avoided my direct question whether they were a licensed third party collection agency-she finally admitted " yes '', I asked, why would SLS send a new customer a " collection notice '' and it even referenced that it was an attempt to collect a debt ... she said because they also service delinquent loans. I replied by saying my loan was NOT delinquent, and that I received my XXXX mortgage payment notice had incorrect payment amount and that it did n't reference my separate check # XXXX for an escrow shortage of {$740.00} and XXXX said that my info was wrong, there was NOT an escrow shortage ( even though I have notice from previous lender that there was so I sent the payment and check was cashed but not applied to my shortage ). I was promised a return call by XXXX a supervisor no later than XX/XX/2016. I never got a call and called their customer service number XXXX and was on hold for 16 minutes and hung up. I called back again today and same thing. I expect an immediate reply to my incorrect mortgage payment and an apology for treating a new customer so rudely and poorly. My next payment is due XXXX so urgency is appreciated.
Product: Student loan

I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX  - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my XXXX XXXX. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX - XX/XX/year> - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian * XXXX XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX XXXX XXXXXX/XX/year> - Experian * XXXX XXXX XXXX XXXXXX/XX/year> - Experian * XXXX - XX/XX/year> - Experian * XXXX XXXX XXXX XXXXXX/XX/year> - Experian * XXXX XXXX XXXX XXXX XXXX  - XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

XXXX {$680.00} XXXX XXXX XXXX {$500.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

I applied for credit on XX/XX/year>. Experian had a freeze on my account regarding a credit card. I attempted to create an Experian account to see what was flagged. The website would not give me access and gave a fatal error message. I was unable to reach customer service through any phone number I was given. The automated response referred me back to the website and disconnected. Several attempts were made to access my account via the website with the same error message. 

The company I was applying for the credit from showed me what they were seeing. There were loans and a credit card that was using my name. These did not show up on the other credit reporting sites. 

I can not access Experian to see or fix the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : I tried to refinance my car loan from XXXX XXXX to Navy FCU. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with Navy FCU due to this issue. I contacted Navy FCU on XXXX/XXXX/XXXX to see if they could report a ZERO balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from Navy FCU to dispute this as well as a statement showing I do n't carry a loan with Navy FCU nor a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to XXXX, XXXX, and Experian in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In from XXXX to XXXX I reached out to these bureaus to investigate the matter. After 30 days I received reports from the dispute but nothing was changed after saying the accounts were updated and verified. I compared my report from the prior months and noticed nothing had been updated, which is a violation of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts in question were fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, their job is to make sure accuracy reflects on a consumer report and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being non compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to these Data Furnishers and how they are in clear violations of what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquiries and accounts be Deleted.
Product: Checking or savings account

I lost my wallet and it had my card in it on XX/XX/year>, Along with my phone. My phone was unlocked and I keep all my codes and passwords in my notes {$4800.00} was stolen from my chime account I filed for fraud but they denied my dispute. I would like a refund seeing as I did not do these charges. They only returned one transaction of {$300.00}
Product: Mortgage

My mortgage was transferred form XXXX XXXX XXXX XXXX to Freedom mortgage. I was not notified that I would be required to change my account/ loan number for online bill pay. I continued to make my mortgage payments via my bank bill pay until I received a letter from Freedom Mortgage stating I had missed XXXX XXXX payment. I confirmed that the payment was processed with my bank and the payment for XXXX 2016. My bank stated the payment had been sent to my previous mortgage company. Freedom Mortgage assessed late fees and turned the delinquency over to collections hurting my credit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion removed XXXXXXXX XXXX from my report months ago. They reinserted the account back on my report. Not to mention I did not authorize them to put anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Installment Account XXXX Partial Account Number XXXX, Credit Account XXXX Partial Account Number XXXX, Collections Account Partial Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 1 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

My account with XXXX XXXX XXXX XXXX and XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and 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 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 months that are reported late to 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 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: Credit card or prepaid card

I was happy with the resolution provided before, as per the response attached, it resolved the problem. However, the charges in question have once again been reapplied to the account that now has a {$330.00} balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I tried purchasing {$4000.00} worth of XXXX via the Gemini platform from my linked checking account. The application kept freezing and not responding to my inputs. Since I couldn't get the transaction to process, I decided to try another time. Upon checking my email, I noticed that I had received some emails from Gemini indicating that a {$4000.00} transaction did indeed occur and that they processed an order for the incorrect currency. The app incorrectly placed the order for XXXX ( instead of XXXX ), which caused me to incur about {$83.00} in fees. I immediately reached out to Gemini to notify them of this error. In essence, at first, they told me " tough luck. '' After pressing them, they stated they would place my request with the " relevant team. '' It's been about nine days now, and after repeated attempts to follow up with them, they haven't responded other than to say that they're looking into it.
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 {$15000.00}, {$0.00}, {$10000.00}, {$2500.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXX. 


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

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.