23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Credit Reporting Agency Involved : Transunion Account in Question XXXX XXXX  Account # XXXX Complaint Details : This complaint addresses Transunion violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year>, I discovered that the XXXX account number XXXX, which had been previously removed from my credit report, was reinserted without proper notice or certification of accuracy. This action violates the FCRA requirements for reinsertions as outlined below : Failure to Obtain Certification of Accuracy : The FCRA mandates that any information previously deleted from a consumers file may not be reinserted unless the furnisher certifies that the information is complete and accurate. Transunion has failed to provide evidence that it obtained certification of accuracy from CCB/PIERCE before reinserting this account. 


Failure to Notify the Consumer : The FCRA requires that if any information previously deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing within five ( 5 ) business days of the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of this account into my credit report. 


Failure to Provide Additional Information : The FCRA also mandates that the consumer reporting agency provide the following information within five ( 5 ) business days of reinsertion : A statement that the disputed information has been reinserted. 
The business name and address of any furnisher of information contacted. 
A notice that the consumer has the right to add a statement disputing the accuracy or completeness of the reinserted information. 
XXXX failed to provide any of this required information. 



Request for Resolution : Immediate removal of the XXXX account number XXXX from my credit report as its reinsertion violates FCRA Section 611 ( B ). 
Confirmation from XXXX that this account has been permanently deleted and will not be reinserted in the future without following the FCRA 's requirements. 
An investigation into Transunion failure to adhere to the FCRA guidelines for reinsertion and assurance that similar violations will not occur in the future. 

Escalation of Complaint : XXXX failure to comply with FCRA Section 611 ( B ) has caused significant harm to my credit profile and has violated my rights as a consumer. If this issue is not resolved promptly, I may pursue further actions, including legal recourse and additional complaints to other regulatory bodies. 
I request that the CFPB intervene to ensure that Transunion adheres to the FCRA and resolves this matter in a timely and compliant manner. 
Thank you for your assistance in addressing this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Accounts in collections under the company of Diversfied Consultants reporting the wrong delinquent date on both accounts. I have a account that went delinquent with XXXX the original creditor XX/XX/XXXX, and another account with XXXX XXXX that first went delinquent in XX/XX/XXXX. I want these accounts verified with the original creditors, I want a copy of what was used to verify both accounts. Under section 611, I want all verified resources to be mailed to my address on my credit report. Im trying to avoid getting an attorney to help me with this matter. I want all information on my credit report, reporting accurately or removed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX
Product: Money transfer, virtual currency, or money service

Their frauding me by not allowing me in my account, when I call, they hang up in my face and avoid me. I told them some 1 stole my phone so they can change my login and their refusing to help me.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, ID XXXX : XXXX. With Due respect I would like inform you that As per my loan application, The Company named Payoff approved my {$25000.00} loan on XX/XX/2021. On XX/XX/2021 I called and requested an pay off associate to schedule for receiving {$20000.00} from my Checking account. He scheduled it for XX/XX/2021, and fund was transferred successfully on time. Then on XX/XX/2021 I called and requested to settle my full loan amount immediately, means taking the balance amount from my checking amount ASAP. I had requested the Manager, If it is not possible for XX/XX/XXXX okay then please schedule/settle it for next day ie XX/XX/XXXX, So that I could save at least 1 day, s interest. But she refused to schedule it for XX/XX/XXXX, She schedule it for XX/XX/XXXX, and Charged XXXX from my checking account, of course with my authorization, I was bound to do so, as she refused to settle upto XX/XX/XXXX, My Question is it really company policy that I cant settle my Loan on same or next day, I have to wait 2 more days! 
I doubt what manager did! I guess there is something wrong! Because there is a option on web to settle or payoff in full on next day! May be Im wrong, But I need to know based on which terms she did it to me, Under the above circumstances I got a reply from them, that is as below I apologize that we were unable to schedule the payment on the same or next business days, it's not something a manager can override as it is a system limitation would you please check is this system Limitation is legal? I just want to know that whatever the did using their system limitation is permitted by law. 

Thanks XXXX XXXX XXXX
Product: Checking or savings account

I have been having problems with funds showing in my account, but not there
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX to let them know they were reporting incorrect payment for XX/XX/2019 They stated that they would update the credit bureaus to reflect no late payment for XX/XX/2019. I decided to check my reports due to an alert indicating XXXX being reinvestigated, only to find out that XXXX has made the dispute worst by continuously report incorrect information to both XXXX and Equifax. I contacted both agencies and this is what they said to me : " XXXX  stated that they received an electronic notification back from XXXX indicating a 30-day late payment for XX/XX/2019 is correct. Equifax stated that they received an electronic notification from XXXX indicating a 60-day late payment for XX/XX/2019is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' XXXX has sent me documents to show that I was never late in XX/XX/2019, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/2019 payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( XXXX ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/2019to current. 

Facts : Home was sold on XX/XX/19 and XXXX received full payoff as of XX/XX/2019. So, how can I be 30 or 60 days late for XX/XX/2019when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/2019, and loan was paid off on XX/XX/2019..less than 30 or  60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/2019 with XXXX and Equifax. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX Credit Report for XXXX Equifax Credit Report for XXXX XXXX XX/XX/2019 History to prove I was never late in XX/XX/2019 Closing Disclosure dated XX/XX/2019 from the sale of the home Escrow Refund Check dated XX/XX/19 P.S. How can I be 30 to 60 days late for XX/XX/2019 when the loan closed on XX/XX/2019 and the Cancellation Of Deed To Secure Debt dated XX/XX/2019 does not constitute a late payment when XXXX received all funds on XX/XX/2019.
Product: Debt collection

XX/XX/year> Fair Collections & Outsourcing ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, I am writing to inform you that your continued attempts to enforce collections related to the account listed below are in direct violation of a court order, and you are now in contempt of court. 
Account Number : XXXX Original Creditor : XXXX XXXX As you are aware, the recent class action lawsuit, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has resulted in a settlement that mandates the removal of this debt from all credit reports and prohibits any further collection activities. 
Despite this order, it has come to my attention that you have continued to report and enforce this collection account with XXXX, XXXX, and XXXX XXXX XXXX  XXXX. This action is not only unlawful but also constitutes contempt of court. 
I demand that you immediately cease all collection activities related to this account and ensure its removal from all credit reporting agencies. Failure to comply will leave me with no choice but to pursue all available legal remedies to enforce the courts order. 
Please confirm in writing that you have taken the necessary steps to comply with the court order.
Product: Debt collection

Midland Funding sued me for a debt that I do not owe. They claimed I owed {$4000.00} and stated they were representing a company with which I had previously done business. To my surprise, they were attempting to collect on a debt that was over XXXX XXXX XXXX, and the company they were representing had gone bankrupt and was out of business. 

When I questioned the attorney about how this was possible, he claimed he was their attorney and was collecting the money on their behalf. They took me to court for a ruling, and under duress, I agreed to pay the debt. However, I later discovered that Midland Funding was not representing the original company ; they had purchased the debt and were not authorized by the original company, which was a brick-and-mortar business, not an online retailer.

Furthermore, Midland Funding went so far as to place a freeze on my bank account. I had to go to court to have the freeze lifted, and while they assured me I would have full access to my funds within 10 days, it actually took a month before I regained access. 

Now, they are starting the same harassing process again. Their misrepresentation and failure to comply with a court order regarding a debt that I do not owe is unacceptable. I am seeking resolution and justice in this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case, from a FTC Report with # XXXX. Please find the ATTACHED documents to assist in the removing of the pieces of erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

my debt from a collection agency was sent to a different agency & the orangnel date of XX/XX/XXXX was changed to XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting information all of my credit files that is inaccurate. Per XXXX5 USC 1681e ( b ) Accuracy of Report, The date of opening this specified account with XXXX XXXX is showing XXXX different dates. 

My XXXX credit file is showing XX/XX/year> as the date the account was opened. EXPERIAN is showing that my account was opened on XX/XX/year> and XXXX is showing that my account was opened on XX/XX/year>. 

This tradeline needs to be removed immediately because of the willful, knowingly and egregious inaccuracies on all of my files. 

The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the consumers ' rights by following the FCRA and the FDCPA. I am asking the CFPB to due the job and facilitate this issue so I can regain my financial freedom.
Product: Vehicle loan or lease

My account ending in XXXX was opened XX/XX/2010 and has a balance of {$8100.00} and its inactive and charged off according to Navy Federal Credit Union. I have not made any payments in over 7 years. I'd like for this account to be removed from my credit report.
Product: Vehicle loan or lease

Volvo car financial services sent my previous loan balance ( which I thought I paid off ) to collections. They were calling the wrong number to contact me. I paid the loan off in full once I was made aware there was a balance. They refused to work with me. It dropped my score by 100 points. They refused to work with me to rectify the situation. I have had four volvos and will never do business with them again. Shameful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Deposited funds into my cashapp account just fine and i wanted to send the money to a relative but they locked my account asking me to verify with my id just to do this which im not comfortable with & they arent allowing me to withdraw my own funds from my cashapp account. ( {$990.00} ) not a small amount of money but im not providing cashapp with my ID. i want to withdraw my cash to my bank account and never touch cashapp again.
Product: Debt collection

XXXX XXXX, 2017 I submitted information to the emails XXXXXXXXXXXX and XXXXXXXXXXXX at the company Procollect. They requested that I submit copies of my utility bills 3 years back proving that I did n't live at the stated address of the utility bills and a police report stating that identity theft had taken place. 

After complying with this request my account was escalated to a XXXX XXXX, who I was told would call me regarding the account. This never happened. I did however get some paperwork that stated that my accounts were now zeroed out. 

Eventually I signed up for a monitoring service and noticed there were still some issues with them. They somehow did n't connect the dots and realize that the other fraudulent account was related. 

I have since contacted XXXX XXXX at procollect and he has yet to contact me, I have not received any notice that the accounts were corrected and I have checked XXXX XXXX and I am still able to see the issue. No one else will speak to me at the company because my account has a special status and only XXXX XXXX is permitted to speak to me. 

Any assistance with this issue would be appreciated as it seems I have exhausted my own resources.
Product: Mortgage

i just submitted a complaint XX/XX/XXXX today. involveing newrez mortgage services.shellpoint, a division of newrez. i made an error i put XX/XX/XXXX XXXX this complaint happen XX/XX/XXXX. also my account no is XXXX XXXX XXXX XXXX the complaint no is XXXX .this complaint was filed because newrez in part is chooseing to use my rental property to deny my application for refinance.in XXXX an XXXX .XXXX  caused myself as well as my tenants a hardship .i followed all the rules of the forbarence. i brought my account current .before the end of the forbarence.my tenants lost their parents.shellpoint divison of newrez. denied my application bacause XXXX XXXX XXXX said the proccesor can not except my rental income .or my XXXX  hospital income, the income is on my taxes .i showed proof of my retirement, which is XXXX dollars.my social security of XXXX an my rental of XXXX .its counted against me .but not for me .pls this not fair practice.
Product: Student loan

MRS collections called me and asked for my father ( he is my co-signer ) and I stayed I am the primary and to deal with me. He asked if my dad received a fedex package from him and I said I dont know. I confirmed my ID and he proceeded to tell me I am in a very dangerous situation and I feel that this is deceptive as I am not being sued and the loan defaulted one month ago. Danger to me infers I am facing harm. I feel this is deceptive language. He calls my dad often and says the same thing. We do not have {$23000.00} to settle this and payments are not an option and at this point I dont think we are in danger and I need them to stop saying we are. They are trying to scare me and my dad. They told both me and him that they are dealing with him only and this is his problem now and they are not going to work with me at all. They refuse to discuss payments at all and use language that implies we are in danger.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of inaccurate and damaging accounts on my Equifax credit report. Despite repeated attempts to rectify this issue and providing ample evidence, Equifax has failed to comply with the law and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported by Equifax : XXXX Account : Equifax continues to report a XXXX account on my credit report, despite receiving notification from XXXX that this account has been deleted from their records. I have attached a letter from XXXX confirming the deletion of this account and requesting its removal from my credit report. 
XXXX XXXX Account : Similarly, Equifax persists in reporting a XXXX  XXXX account, even though XXXX  XXXX has confirmed the deletion of this account from their records. I have enclosed a letter from XXXX XXXX verifying the removal of this account and requesting its removal from my credit report. 
XXXX Account : Equifax also reports a XXXX  account, despite XXXX confirming the deletion of this account from their records. I have attached a letter from XXXX verifying the removal of this account and requesting its removal from my credit report. 
In addition to the letters from the companies involved, I am also attaching a copy of the police report documenting the fraudulent activity and identity theft. 

Equifax 's failure to comply with my requests and remove these inaccurate accounts from my credit report is not only a violation of my rights but also against the law and the FCRA. I have already contacted the police, the IRS, and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. My next course of action will be to pursue legal action against Equifax in civil court. 

I demand that Equifax immediately rectify this situation by removing the aforementioned accounts from my credit report. Failure to do so will result in further legal action.