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

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXX XXXXXXXX Dear CFPB Representatives, I am writing to file a formal complaint against EXPERIAN for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXXXXXX XXXX XXXX XXXXXXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 
2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 
3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. 
4. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 
5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. 

Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to EXPERIAN failure to comply with the law. 

Requested Action by the CFPB : 1. Investigate the improper reinsertion of the account XXXX XXXXXXXX XXXX XXXXXXXX. 
2. Require [ name of the credit bureau or information provider ] to immediately and permanently delete the account from my credit report. 
3. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 
4. Take corrective actions against EXPERIAN to prevent such occurrences in the future. 

I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. 
Previous correspondence related to the dispute of this account. 
Evidence that the account was previously deleted. 

I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. 
Sincerely : XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX citibank sent me a letter stating that my account will be closed but did not give a reason. It stated that i will be receiving the funds i have left within 30 business days. I do not owe them anything and yet upto to now havent recieved anything. I called Citibank several time only to be given the runaround and lies. I was told several times that the check is on the way or it will take about 15 business days to arrive from the time i called and was also given a confirmation number just in case theres a problem the next time i called. So, here i am calling after 20 days with no check. i gave the confirmation number and sure enough i was told that there is no such thing about this number. I mean why would someone do that. I also did go to the bank itself so many times and yes i did talk to managers but nothing was ever resolved. I know i have a little over $ XXXX plus {$1400.00} from the 3rd stimulus payment which by the way CITIBANK HASNT RETURNED TO THE IRS which is supposed to be the right procedure. But, no Citibank has kept it for themselves. The last time i spoke to someone about this matter was XX/XX/XXXX and spoke to XXXX XXXX hes a bank XXXX, very helpful, tried everything he can but only to be informed that i have {$0.00} bal in my account and i wont be receiving any money. WHAT!! I mean Cmon, really, XXXX balance!! This is so not right at all! I am hoping the Federal Reserve can investigate this problem and return what belongs to me. Thank You!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect their consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

This is for XXXX XXXX XXXX XXXX XXXX acct # XXXX. Their billing service is NPAS, Inc., XXXX XXXX XXXX, XXXX, KY XXXX. 

The paper bill sent to me was for {$250.00}. I made, and can verify through my bank and with the NPAS confirmation #, that I made two payments in succession and the amounts were withdrawn from my checking account. Payments were made through their online portal : www.sphp.com/online-payment Payment 1 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confimation # XXXX. 
Payment 2 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confirmation # XXXX Note that NPAS DOES NOT have any way for consumers to check their balances against their crediting payments. 

On XX/XX/XXXX I received a collection notice from a debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX XXXX ) for the above account number. That collection notice they sent was for {$240.00}, an erroneous sum sent to them by NPAS. 
I tried to contact XXXX XXXX 's XXXX XXXX XXXX on XX/XX/XXXX and was put on hold for nearly 45 minutes only to discover that their phone lines were down. I called again the following day, XXXX, and was sent to the Collections person, " XXXX '' or " XXXX '', and left a voice message. No return call. I called again today on XXXX and someone in the Central Billing Office told me to pay {$150.00} and that the debt collector had added over {$100.00} in fees, which is a lie. I was again put through to the Collections Office voice mail. The Central Billing person told me that accounts are automatically sent to collections after 4 months even if you are making payments. There is nothing on the NPAS website that tell you that and nothing in the XXXX XXXX 's billing information that tells you that either. 

I called the debt collector, XXXX, etc. ) and was told they could only see that I had one payment on XX/XX/XXXX and there was no evidence I had made the XX/XX/XXXX payment despite my having multiple confirmations from my bank and the NPAS payment portal generated confirmation number. The person I spoke to at XXXX, etc. told me I owed {$190.00}, which is also inaccurate. Yet they were billing me for {$240.00}. I asked if this would go onto my credit file while I was trying to resolve this and she said " maybe. '' I tried to call NPAS and went through their automated system multiple times and was hung up on each time. The message said that the debt had gone to collections and then there was a hang up. 

I have called the hospital to file a complaint against their billing practices. I owe {$140.00} and want to pay that but I am being forced to pay {$190.00} instead. This has to be illegal practice and I really need your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX    XXXX   has been closed  ( Paid and closed ) and should be removed fr om my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( CLOSED )
Product: Credit card

They added things to my bill fees and products. They then closed my account for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit was pulled from this company. I have never heard of them and I would like to know why they are reporting MY personal information. They are reporting my score as less than half of what it actually is which has caused me to be declined for new loan requests. My credit score they reported is 300 points lower?!?! Unacceptable.
Product: Mortgage

Real Time Resolutions continues to send me incorrect monthly billing statement. This has occurred for the last 3 months. Each time I have contacted the company regarding my account is always reflected in a past due state which is fraudulently incorrect. I am requesting assistance in getting this matter corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry dated XX/XX/XXXX on my TransUnion credit report from Syncb National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my XXXX report. It, however does not appear on my XXXX  report. So I decided to call Syncb at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call XXXX  and let them know. I asked him if I need anything from him and he said no, that XXXX  would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call Syncb back and get a letter of deletion from Syncb. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report.

I call Synb back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that XXXX  requested it and still they refused to provide any such document. 

Furious, I called XXXX  back and let them know that Syncb refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in Syncb 's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this Syncb National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

Thank you
Product: Debt collection

XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are documents from my endless efforts to correct these problems from the credit reporting companies and its been ignored and delayed beyond their time to rectify the situation to remove, correct, show the method of verification of my disputes and discrepancies to be removed and suppressed off of my credit file! 

None of which has been done ...!
Product: Debt collection

I do not owe this " security '' company, XXXX, anything. Our service contract with them ended many years ago. They have failed to submit any paperwork to me to back up their claim that I owe them anything, after numerous requests, because there is none. Re quests to speak with management are declined. They just keep sending this off to different collection agencies, to whom I am sick of reiterating these facts. Then they just sell it to another company, hoping I guess, that i will just give into their extortion. 

They have now fraudulently placed a collection notice on my credit report. How can they do this? I have contacted the FTC, Department of consumer affairs, and next will be the State Attorney General 's office. I also believe I may take this to small claims court, and am considering joining a class action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX continues to show up on my Experian credit report. It has been removed for over three years and it has reappeared again in XXXX.
Product: Checking or savings account

I was scammed and people taking my money and never received service or product
Product: Credit reporting or other personal consumer reports

XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check as reference my CFPB inquire # XXXX and the attached letter with date XX/XX/2019 to the Debt Collector XXXX XXXX  XXXX XXXX in their response the said they will stop and cease any collection activity for the amount of {$300.00}. Now checking my credit report in XXXX  shows another Debt Collector is reporting the Amount of {$300.00} such amount has been disputed in the past as you know. I opened immediately a dispute within XXXX  and this new Debt Collector SUNRISE CREDIT SERVICE still flagging as a validate debt. 
That is the reason Im open this complaint against the debt Collector ( attaching debt validation letter along with the XXXX report affecting my credit score ) The CFPB should be aware this act is Intentional and with the goal to harm me, I would like to ask the CFPB to ask XXXX  and the Debt Collector Sunrise Credit Service to remove immediately this vogus Debt Collection Report.
Product: Debt collection

I am writing regarding the above-referenced debt that you have claimed I owe. I request that you provide validation of this debt under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide : Verification of the full amount of the debt, including any fees or interest that have been added to the original balance. 
Proof that you are legally authorized to collect this debt on behalf of the original creditor or that you own the debt outright. 
Documentation that clearly establishes that I am responsible for this debt, including but not limited to the original agreement or contract. 
The date of the original delinquency and an itemized account history showing how the amount due was calculated. 
The name and address of the original creditor, and if applicable, any other information pertaining to any previous owners of the debt. 
Until this debt is validated, as required by law, I request that you cease all collection activity and stop reporting this debt to any credit reporting agencies. 
Please note that if you are unable to provide the requested documentation, I expect you to immediately delete this account from my credit report and cease all further communication regarding this matter. 
Thank you for your cooperation in this matter. I expect a timely response within the 30 days allowed by law. 
Sincerely, XXXX XXXX
Product: Mortgage

On XXXX XXXX I submitted an email to the company to correct my taxes reflected on the website and complete a new escrow. 

Email included the following : Our taxes recently changed and we also have an homestead exception. Would like to see if there can be another escrow analysis performed since our tax numbers for 2022 have changed. 

After protesting our taxes and homestead exception our taxes have changed. 
Taxes for 2022. 

As of XXXX XXXX nothing has been changed. I sent an email on XXXX XXXX and secure message on XXXX XXXX. My payment is due on XX/XX/2022 and I dont want to keep overpaying on my mortgage payment for escrow. 

We have a VA home loan and my husband is a military veteran.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX ODE XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for XXXX This is an attorney error. I had a consultation with a XXXX attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a XXXX on my credit report! I never filed. I never went through XXXX Please remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been denied using the online payment services because I put in accidentally the wrong account number because I have problems with my vision. Both times I had to call them to ask why my can payment was still on my account. Them once time I was late because of medical problem was to sick to get out to send my payment ... It got to a total of {$520.00} before I was able to pay it ... 
I have to go through XXXX to pay my car payment which cost me an additional {$11.00}. 
I am elderly and sick which I informed them ... My loan is for 36 months and it expires in XX/XX/2019..
Product: Vehicle loan or lease

I paid off my boat loan on XX/XX/2022. Since then I have been trying to contact Santander Consumer USA to get the title but since my account is paid off, it is no longer active. When I try to call Santander, without a valid account number ( mine is apparently deactivated ) the phone system does not allow you to continue. I have used their web portal to send at least 4 emails over the past 4 weeks and none have been answered. I tried calling a local office ( XXXX XXXX  - recording says office now closed ) and their headquarters in XXXX  ( published number only allows you to enter your extension to gather voicemail messages- sounds like this is for employees only ). I have searched the web and tried every number I can find- it seems there is no way to reach this company. 

I need to sell my boat but every month that Santander does not send me my title it costs me another {$300.00} in storage fees. What kind of a company has no way for its customers ( immediate past customers anyway ) to contact them, and actively ignores emails? 

My next stop may have to be my attorney if I can not get this resolved. Thank you. 

P.S. attached screenshot shows my account paid in full
Product: Debt collection

I am a XXXX XXXX XXXX XXXX Veteran, living on a fixed income. After completing my service time in 2013, I have had to have numerous surgeries that have deemed me unable to work. I have had this item that shows as XXXX XXXX XXXX with a balance reporting of {$2700.00} charged off, on my credit report. In XXXX of 2016- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX XXXX in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can help me or even point me in the right direction. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been protected through XXXX credit insurance included in the loan payment. I am unsure what XXXX even is for, as I have not been provided any info at all.
Product: Vehicle loan or lease

I believe the account is invalid. STATECU needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.STATECU XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account Self Financial XXXX is not complete or accurate. 
The open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.