23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account in question : Genesis Credit OGDL25 Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency has violated my consumer rights by using false and misleading misrepresentation and deceptive means.

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : CAPITAL ONE XXXX Balance : {$85.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breached my personal info and wont delete the XXXX account on my report also my credit was checked 35 times it should have been deleted via their website, its not on XXXX or XXXX.
Product: Mortgage

Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 
" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXXFrom : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX District Registry of Deeds, Book XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank , Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said XXXX in XXXX XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts Supreme Judicial Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX ( and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale ( and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in Book XXXX. XXXX XXXX who bought the property from XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX XX/XX/2019. Please investigate to make sure there is no fraudulent activity.
Product: Money transfer, virtual currency, or money service

I 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 tak timely and effective measures to prevent andt 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 for these violations.
Product: Credit card

XX/XX/2019 is reporting no balance and a charge off which is gendering my credit
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a 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. 16815-2 ( A ) ( 1 ) 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. 


XXXX XXXX XXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX  is reporting inaccurate payments on a closed account. This account negatively showing when its closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX XXXX  ) XXXX. 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 : It also states 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 item 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 ) ( 1 ) 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.
Product: Student loan

This is regarding the Public Service Loan Forgiveness Program. The lender keeps mistaking paperwork and not applying properly to the account, which should be a simple administrative task. I've had to call again and again to try to solve and rectify the issue, and resubmit every single time, averaging more than five different occasions. Each customer service representative tells a different story, only for me to have to repeat submitting paperwork again because someone could not do their job and the paperwork submtited each time by me ( borrower ), goes to waste or expires. During this COVID-19, the entire phone lines and email system is down so I can not contact them to try to figure out my account and make sure we are on same page, including a refund of my posted payment.
Product: Checking or savings account

I moved from XXXX to XXXX XXXX in 2016 and every time Id try and pay my bills they would put a hold on my debit card. When I went into the Wells Fargo on XXXX XXXX XXXX in XXXX XXXX XXXX to correct the problem they wouldnt help me! I closed my account and went to XXXX XXXX XXXX.
Product: Debt collection

I am writing to address a serious issue regarding my credit report that requires your immediate attention and resolution. Upon reviewing my credit report, I discovered that a lender has reinserted an account that was previously removed. This reinsertion has adversely affected my credit score and overall financial standing. 

What is particularly concerning is that this reinserted account has been reaged, a practice that is not only inaccurate but also constitutes a violation of consumer protection laws. Reaging involves changing the date of last activity on a debt to extend its appearance on a credit report, which is not permissible under the Fair Credit Reporting Act ( FCRA ). 

The reinsertion and reaging of this account represent a clear violation of the FCRA, which stipulates that consumer reporting agencies must ensure the accuracy of the information they report. Moreover, it mandates that any disputed items be thoroughly investigated within a reasonable timeframe. XXXX 's failure to properly investigate the reinserted and reaged account demonstrates a breach of its responsibilities under the FCRA. 

Additionally, the reinsertion of the account without providing me with prior notice violates the Fair Debt Collection Practices Act ( FDCPA ). This act requires debt collectors to furnish consumers with written notice before reporting any information to consumer reporting agencies. As I have not received any such notice regarding the reinsertion and reaging of this account, the lender 's actions are in direct violation of the FDCPA. 

I hereby request that XXXX conduct a comprehensive investigation into the reinserted and reaged account and provide me with a detailed explanation of its validity. Furthermore, I insist that XXXX remove the disputed account from my credit report immediately until the investigation is completed and resolved in accordance with the FCRA. 

Please furnish me with written confirmation once the account has been expunged from my credit report and the investigation has been concluded. Your prompt attention to this matter is greatly appreciated, and I anticipate a swift and satisfactory resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit reporting agencies allowed an unauthorized person to get paid access to all My credit reports to take over my identity. I don't have any paid account for none of them and never have. Im dealing with ip infringement, identity fraud and impersanation. No one is obeying the law and stopping the criminal from accessing my personal accounts. My credit reports are not correct due to phone cloning using sim swap out and cybersquatting. This is occurring with everything in my name
Product: Debt collection

I've been disputing this entry unsuccessfully for over a year. Receivables Management Systems reported to all three ( 3 ) credit bureaus a debt on behalf XXXX XXXX XXXX in the amount of {$160.00}. I paid XXXX XXXX XXXX, in full, directly. I've never entered into a contract with Receivables Management Systems for services of any sort. Therefore, I don't owe Receivables Management Systems a debt. When proof of the debt was requested of Receivables Management Systems, they replied with a letter confirming the XXXX XXXX XXXX debt was paid. It's reported as " paid '' on all three ( 3 ) credit reports. This information is erroneous because I never owed Receivables Management Systems and the debt was paid directly to the debtor. There is no legal reason why this entry should be part of my credit history.
Product: Debt collection

bristol point financial inc XXXX I called XXXX to tell him I was a victim of identity theft and I had a police report XXXX told me I was a criminal and that if I filed a police report it would be another crime that I have commited that usual criminal such as myself don't go on to file a police report I then ask him what the XXXX he was talking about he start getting very rude and then nice I told him that I was very upset with him about the comments he made and that he can not collect because the time frame was up and that he was braking the law its was 4 years he made up so law and start not making sense I told him I want this account removed he said send my a police report so I can put you in jail he was worried I would report him for calling my family members and said he did not call my family member XXXX just kept calling me a criminal and was not listen to a word I was saying
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items were found in my reports. The XXXX, Experian, and XXXX Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX FIN XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX XXXX Account XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2023 ), I sent a letter to ( ALLIED COLLECTION SVCS ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( ALLIED COLLECTION SVCS ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Product: Checking or savings account

Over the weekend of XX/XX/year>, I requested that $ XXXX be electronically transferred to my sisters bank account. Rather than paying the {$25.00} wire transfer fee, I elected to use a new feature in the Bill Pay Section of Huntington Banks website. In this section, I was asked to input my sisters routing and account number. I did so along with the amount that I wished to transfer. I was told on the screen that it would take 3-5 business days. 

The next day, I tried to log in to the account to be able to start the process of finalizing the estate for my mother, and I was denied access. I was immediately panicked because my information was part of the XXXX XXXX  XXXX XXXX breach. I tried several times to reset my password. Each time these attempts failed. So, I called the bank. It was during these calls that I learned that the account had been locked because the bank believed that the transactions that I had requested ( the $ XXXX transfer as well as a smaller transfer to myself ) were fraudulent, and that, in order to unfreeze the account, I would have to go into a branch location. I reminded the support team member that I live in XXXX, GA which is outside of the banks footprint. I asked to speak with a manager. She put me on hold. She talked to a manager, and she advised me that her manager would submit paperwork to make an exception for my situation which would take an additional 3-5 business days. 

At this point, I called the lawyer supporting the estate for my mother. I asked if he could help as he is located within blocks of a bank branch. He went into the branch the next day with a letter that I had written and signed. At the branch in XXXX XXXX, PA, he was told that they would consider arranging a video call to verify my identity. 

Today is XX/XX/XXXX, and the account is still locked. I can not access any of my funds or documentation with Huntington Bank. 

I have to believe that this is in direct violation of regulation 12 CFR 1005.11.
Product: Debt collection

Upon reviewing my credit reports I noticed XXXX collection accounts with Receivables Management that I did not recognize as mine, in addition the information reported among the 3 bureaus was all different. I sent a certified letter to Receivables Management requesting validation of the accounts. The letter was received XX/XX/2018 ( certified letter receipt attached ). Receivables Management replied on XX/XX/2018 with what they consider verification, not validation as I requested ( complaint # 1 ) ( correspondence attached ). 
Complaint # XXXX : The billing statement from one of the original creditors ( XXXX XXXX XXXX XXXX XXXX XXXX ) that they sent has XXXX of the accounts listed under an address that does not or has EVER belonged to me. I have never lived/resided in the address provided by the original creditor. 
Complaint # 3 : The billing statements that Receivables Management retained, had copies & mailed from both original creditors ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) are all in DIRECT & SERIOUS violation of HIPAA & both XXXX and XXXX XXXX Privacy Rule which prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ). The creditors furnishing of my alleged account ( s ) information to Receivables Management is not in compliance with XXXX or XXXX XXXX Privacy Act & both the creditor & collection company are in clear violation of Public-Law 104-191 ( HIPAA ).  More specifically, the protected health information that was NOT protected was the description of service on XXXX of the billing statement that stated XXXX XXXX. This personal and private information was shared among companies! The entire purpose for MEDICAL BILLING/CODING is to use codes to protect sensitive & PRIVATION information such as this. On the billing statement disclosed to Receivable Management from XXXX XXXX XXXX violates someones PHI again under the description clear as day spelling out the exact producer! XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Information on my XXXX and Equifax report is inaccurate. With XXXX XXXX account number with Experian XXXX account number with Equifax XXXX and both amounts are {$420.00}. 

account with XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Student loan

Navient services both my Federal and private student loans. On XX/XX/2017, I wrote a check in the correct payoff amount for my smallest private ( consolidated ) student loan, using the directions on their website. I included a letter instructing them exactly which loan I was paying off. Navient cashed my check and did n't post the payment. I called them and the representative told me to get a copy of my bank statement and upload it to their website. I uploaded my bank statement showing where they cashed my check and also uploaded another copy of the letter with my instructions on which loan to pay off. They posted the payment, but they did not pay off my loan. They spread my payment out over all of my Federal loans, instead of following my instructions. I called them again on XX/XX/2017, spoke to a representative named XXXX, and explained to him that my payment was not applied correctly. He told me that he would put in a request to have the payment adjusted and it would take one week. Today is XX/XX/2017 and the payment mistake has not been corrected.