23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I received a collection notice from Columbia Debt Recovery LLC, dba Genesis via email ( see attached email ). On XX/XX/year>, I sent a debt validation notice to Genesis via email ( see attached email ). On XX/XX/year>, Genesis sent a partial reply ( see attached email ) along with a copy of the lease agreement and the Summary of Moveout Charges Statement. On XX/XX/year>, I sent a second email requesting the remaining alleged debt validation information and to cease and desist from all telephonic communication and to only communicate with me via email ( see attached email ). Genesis continued to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached call log ), and still have not emailed back the remaining information requested to validate the alleged debt. Genesis then reported the collections to all three major credit reporting agencies on XX/XX/year>, stating " Account previously in dispute - investigation complete, reported by data furnisher. '' This alleged debt is still under dispute since Genesis did not provide all of the information to validate the alleged debt. The statement provided contains charges that have not been proven to be mine or supported under the lease agreement.
Product: Credit card

Bank-of-America-Statement-Received-XXXX XXXX XXXX XXXX 

Bank of America ( BoA ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at XXXX. 
See comments from the BOA Call I made on XX/XX/XXXX. 
Also, please let XXXX credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : XXXX
Product: Mortgage

I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2020 I am not sure how this happened as I had enrolled into their Covid Relief Program and was told that I would not be marked late. My only thought is that there was an issue with my application being processed in a timely matter.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and l 've noticed this problem on my credit report in XX/XX/year>. XXXX XXXX  writing to delete the following information in my file. The items I need to be deleted are listed in the report. I was hoping that you can delete these items that are listed below. I need to get my house loan to be approved as soon as possible. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation.
Product: Debt collection

I have formally requested by certified mail that Resurgent Receivables LLC Care of Resurgent Capital Services LP provide me with validation of the two accounts # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Practice Act by not responding to any of my letters nor have they provided me any validation.
Product: Credit reporting or other personal consumer reports

I am avictim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX  Account Number : XXXX Balance : {$8700.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2100.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter
Product: Credit card or prepaid card

I am writing to you to complain regarding the handling of a dispute case with Barclays ( the Issuer ). I am experiencing issues with this Issuer since XXXX. On XXXX XXXX, I had a telephone conversation with Barclays representative ( Agent # XXXX ) regarding this dispute case ( # XXXX ) This charge is regarding an airline ticket billed on XX/XX/2020 ( Merchant ). Up to date, I am unable to get the credit back for this transaction back to the account despite that the Merchant has agreed to refund me back ( see Attachment A. and B ) Back in late XXXX, the issuer has closed this case because " the date of the departure '' was not provided ; whereas, that date was provided to the Issuer over the phone over two occasions prior to the date of case closure. In XXXX, XXXX and XX/XX/2020, the Issuer claims that they have not received a letter from the card member ; therefore ; they are unable to open the case ; whereas such letter was provided already on multiple occasions ( see attachment C and D ). Original letter also attached.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please delete the accounts listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I started a conventional mortgage application with AmeriSave Mortgage Corporation, it was handled by XXXX loan originator. 
He pushed me to sign a disclosure every time I made a small tweak to the loan, as one would do while comparing their loan options. Then he pushed me to lock the rate because rates are going up, it was {$500.00}. I asked him if that means Im approving the current loan selection for the moment because I dont want to do that as long as Im evaluating my options, to which he said no. 
A couple of days later, I look over the last disclosure I signed on their portal, to find it has an attached hefty mortgage points, about {$13000.00}. I called him and told him I dont want to pay mortgage points. He said that changes the rate. I asked how come, since I paid to lock it, now he tells me that locking fee comes with fixed exact amount of mortgage points. That was the first time I heard about that. 
When I asked for a refund, he said that lock and shop fee of {$500.00} was an application fee and is nonrefundable. 
He was downright XXXX to me, hiding information, and focused on XXXX that {$500.00}
Product: Consumer Loan

Good Day : In XXXX of 2016, I went to Prosper online site to see if I can obtain a loan for {$5000.00}. I was approved for the loan and checked the box agreeing to the terms and condition of the loan ; however, when I found out that the fee for obtaining the loan was 4 % of {$5000.00} = {$200.00}, I did not want to pay an upfront fee to obtain the loan and exited from the website. 

I did not submit the loan application. After about 2 days, I was informed through my email that the check will be sent to my bank account. I called the customer service office immediately and informed them that I did not submit the loan application and that I was not interested to obtain any loan from them and that they should stop the transfer of the money to my account. 

I was told that they can not stop the money to my account and that I can return the money once it is in my account and I did as instructed. Now, prosper has been calling me that I owed them about {$160.00} for the month of XXXX 2016 and may be other amount for subsequent months. 

I have called the customer service office several times and it seems that they can not resolve this issue. Please be informed that Prosper did not request for any proof of employment or documentation showing the ability to pay the loan in violation of federal lending rules. 

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

I am natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 UCS 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed becuase According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX
Product: Credit card or prepaid card

I inititated a balance transfer from my XXXX XXXX to my Citi Bank card using their mobile app. The app instructed me to add the account details by snapping a picture of the card, which I did. I was then given a confirmation that the upload was successful to the account ending in the correct last four digits of my XXXX XXXX, so I thought everything was fine. When I checked the status of it a few days later, I noticed that it was marked pending to be paid to XXXX XXXXXXXX, so I opened a chat with Citi Bank, explained the situation and was told it would be fixed. The next day the transfer went through - to XXXX XXXX. I am being told by Citi Bank that there is nothing they can do to fix it - essentially adding an additional XXXX to my debt. They advised me to call XXXX XXXX, which I did, but they would not help as the account the transfer went to is not mine. It turns out the image taken read the beginning card number as a XXXX when it is in fact a XXXX. This was an error on their behalf, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought I fixed this problem with compliant XXXX but it appears that I was not! 

My name has a " XXXX '' on the end in Equifax system but that should not be there. Apparently, Equifax did something where I see the correct name but they can still see that my name has a " XXXX '' at the end. 

In addition, they remove my ability to do disputes online. This is important since when disputing, I see the info that the representatives see, meaning I could see the " XXXX '' at the end. 

I'm am going to consistently report my frustrations to CFPB until they fix it and link every complaint from now on starting with complaint XXXX https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-detail # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquiries into my credit. 

XXXX XXXX - XXXX, KY XXXX/XXXX - XXXX, FL. 
XXXX XXXX - XXXX, MD. 
XXXX XXXX - XXXX, WIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 


XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5300.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Enroll now to pay less than the full balance you owe Dear XXXX XXXX XXXX, Your account ending in XXXX charged off on XX/XX/XXXX with an unpaid balance of {$1000.00}. 

You're still responsible for this debt, but if you enroll now in a less than full balance offer, you will pay {$270.00}, which is XXXX XXXX of the unpaid balance. 

Once you've paid this amount, your remaining balance will be reduced to {$0.00} and all collections activities will stop. 
Your payment options : You can make one payment of {$270.00} by XX/XX/XXXX You can make monthly payments of {$45.00} by XX/XX/XXXX This agreement is not complete until finalized by us in our system which could take up to 10 days after your last agreement payment has cleared. I paid it XX/XX/XXXX Experian will not fix the account late changes off the account should not be showing a charge off I sent paper work the card was used by someone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I settled/paid off two closed XXXX XXXX accounts on my account. XXXX XXXX even mailed me confirmation letters advising each account has been paid off. My credit report with XXXX, XXXX, and Transunion has yet to be updated showing {$0.00} balances on my two closed accounts with XXXX XXXX. I've disputed the listed balances on my account multiple times and it has yet to be corrected.
Product: Credit reporting or other personal consumer reports

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXXXXXX In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid the remaining balance of my Bank of America credit ending in ... XXXX. Balance showed {$0.00} so I called B of A and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days from this credit card. It shows a balance of {$37.00}. B of A charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a B of A representative at my local branch and he said B of A should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.
Product: Mortgage

Final email was on Mon, XX/XX/XXXX, XXXX XXXX. 

Cardinal Financial had reached out to my CPA with me unaware. Cardinal Financial asked my CPA to write a " comfort letter ''. Cardinal Financial will not accept tax returns or 1099 's or W2 as proof of income for a sole proprietor. My CPA told Cardinal Financial that would NOT write them or any mortgage lender a " comfort letter ''. CPA firm contends they file my taxes as truthful and honest and signs the tax returns. This is proof enough that the income on tax forms is correct. 
With that being said, Cardinal Financial tried selling us a more expensive mortgage. So I had to rescind our loan process. I asked for my cost of appraisal back and they agreed only if I would sign a 6 page gag order settlement ( which I can share ). I refused because I saw on this site they had 20 calendar days to reimburse all cost associated with getting the loan.So low and behold after I let them know of this my money was refunded in about 5 business day. Without signing the gag order settlement! 
Now, I have asked Cardinal Financial to reimburse me {$350.00} which is the amount my CPA charged me for having to deal with Cardinal Financial. Cardinal Financial has  denied my claim for {$350.00}. I am only asking them to reimburse me the XXXX. 
My contention is that the {$350.00} was part of the cost of securing the refinance we were after and which we never received.
Product: Credit card or prepaid card

Last week I called HSBC Bank and advised that I would be making a high purchase, I advised I would need to get my medications and get a toilet, I advised the purchases were going to be around {$1000.00}. I have two cards. So it could be o n either card. On Monday, XX/XX/2021 I got my medications  with no problem. On XX/XX/2021, I was making purchases on the cards that end in XXXX, and XXXX. I only purchased today roughly {$37.00}. I had not even got my toilet. I went to make another purchase for {$20.00} at the XXXX XXXX and the card was denied. I had to put everything back. I had gone to XXXX XXXX and tried to use my card for {$40.00} and it was declined, Again I had to put everything back. I went to XXXX XXXX and tried to use the other HSBC card for my groceries and the card was denied. I called and the boy said that department was closed. He advised to put the food away and call back in the morning. I only have these two cards. Thanks HSBC. I am current and I am not behind. The one card has a credit line of {$8000.00}. I only have {$1000.00} on it. This is absurd. This is a violation of the antitrust laws. I gave the bank over {$5700.00} in XXXX. This how that treat me.
Product: Debt collection

I received a voicemail on my cellular phone on XXXX XXXX XXXX at XXXX XXXX about a complaint that I was named in from XXXX XXXX of XXXX XXXX XXXX XXXX saying they mailed me documents and If i did not respond that day no further assistance is needed and they would take up the matter with my payroll department at my job. I called spoke with a man by the name of XXXX XXXX of the legal department. I asked what the debt was he said he does n't not have all that information, either I paid or go to court to explore and find out if the debt is valid. I went through my files and found that the debt in question was originally owned by First National Collection Bureau Inc . They sent me a letter inregards to the debt, I inreturned sent a debt validation request letter via certified mail on XXXX XXXX XXXX. I received no information about this card until XXXX XXXX when i received the call from XXXX.
Product: Credit reporting or other personal consumer reports

Inquiries reporting fraudulently on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft since XXXX. I have reached out to XXXX and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.
Product: Debt collection

I never received a certified letter stating to cure a default on car loan which caused a repossession of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : On XX/XX/2017. Someone stole my information and applied for loans. Now i have 6 inquiries on my credit report. I never applied for, co-sign, or gave any of my information to XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please help my get these off my credit report.
Product: Debt collection

I have medical bills I have disputed for detail statements to verify debt.I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa. Its been well over 30 days. I would like them to be removed from my credit report. I also had some letters return to me. I would like to know there Registered/Licensed number to collect peoples debtss