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

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section XXXX ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX XXXX XXXX of Birth : ** XX/XX/XXXX - **Social Security Number XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX XXXX XX/XX/XXXX XXXX TRANSUNION deleted the following information from my credit report : was removed from your credit report. This deletion was based on removed account. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that TRANSUNION has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that Transunion complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Transunion regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were on a cares act COVID19 forebearance. When it came time to go into repayment, XXXXhellpoint mortgage mistakenly ( purposefully? ) put our loan into foreclosure status and processed a traditional loan modification which should have never been the case, as we were eligible from the beginning for a COVID19 repayment modification which just tacks on the missed payments to the end of the loan. This action significantly negatively impacted my credit report. I was also forced to provide several personal documents to the mortgage company including my bank statements, paychecks, and a complete hardship explanation which I believe is illegal for them to ask for. We repeatedly received threatening statements that we were due to pay the entire balance of the forbearance payments by XXXX which should have NEVER been the case.
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 processes, which violate the Consumer financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to protect an address fraud on their platform, leaving my account vulnerable and Im protected. Furthermore, their dispute Resolution process was unfair and deceptive, as they did not comply with 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 reporting, credit repair services, or other personal consumer reports

In XXXX I got an American Express card, In XXXX I was not receiving my bills, I contacted American Express, They told me that my account was placed with a collection agency. I received several calls from a collection agency call XXXX  about the account. In XXXX I sent a letter to get the debt validated. See attach. 

I called them in XXXX for a follow-up and was told they no longer had the account. I called American Express and informed them that the company is no longer holding the account and they never validated the debt. I explain to them that I sent them a validation letter and got no response. 

When I called in XX/XX/XXXX, I was told the account charged off. In the month of XXXX, I received 8 phone calls of harassment from a company called XXXX XXXX, I asked them to validate the debt, I sent them a letter to validate the debt, They never did. When I followed up with them, I was told they no longer had the debt. 

They told me it was back with American Express, I called American Express collection to speak about the bill and they were rude to me and never validated the debt. I asked to send me the bill by email because I had to move out of the country. They refused. 

I've tried for many years to get the debt validated and got no way. The statue of limitation for them to sue me has passed. They had my wrong address, they did not validate the debt. I ran my credit report yesterday only to find out that they put the debt back on my account. 

I contacted them and they said because I disputed it, they put it back on my account. This is really some XXXX. I do not owe this debt, It's on my three credit report
Product: Credit reporting

The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.
Product: Credit reporting

XXXX ACCOUNTS ON THE EQUIFAX REPORTING TO MY KNOWLEDGE ARE NOT MINE AND I NEVER HAD THESE XXXX ACCOUNTS, I HAVE DISPUTED THESE ITEMS FOR SEVEN TIMES BUT I STILL HAVE NOT RESOLVE THIS ISSUE, AS WELL AS MY INFORMATION DOES NOT REPORT OR GETS UPDATED ON THE WEBSITE WHICH I USE, EQUIFAX IS NOT TRYING TO HELP IN THIS MATTER, PLEASE HELP ME IN THIS MATTER. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/2019 Closed late payments reported XX/XX/2019 XXXX XXXX XXXX 15 USC 1681a the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; I am a consumer as defined under 15 USC 1602 ( i ) The adjective " consumer '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Product: Credit reporting

I am submitting a complaint with NEW information regarding XXXX liens that are showing on my TransUnion credit report. I did not know the source of their information on the liens and due to this TransUnion violated the Fair Credit Reporting Act. IN ADDITION, I have attached Court Records signed by the Clerk of the Court, stamped that XXXX liens are " PAID, SATISFIED AND ORDERED CANCELLED FROM RECORD '' from the XXXX Department of Revenue. I have submitted the same court documents affirming this to TransUnion and they have refused to remove the liens, despite court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Bureaus on : XX/XX/XXXX because I saw an error on my credit report regarding account XXXX. This is an account that belongs to XXXX XXXX XXXX the problem with this account is a representative and I had a phone call on XX/XX/XXXX to settle this account where I agreed to pay the complete balance in exchange that they would delete all negative information regarding this account. The agent agreed to it so I made a complete full payment. I didn't follow up with them believing that the matter was resolved. However, I saw my credit report XX/XX/XXXX where the Bureaus is still allowing this account to remain on my credit profile. I also followed up with XXXX XXXX XXXX about this account to see what was going on. They sent me a letter explaining that the account was placed with " XXXX XXXX XXXX '' XX/XX/XXXX because the account was past due and I spoke with them, XXXX XXXX XXXX about this account. One of the problems with this is my credit report Reflects XXXX XXXX XXXX XXXX having this account from the time the account was opened XX/XX/XXXX until present time. According to the letter that XXXXXXXX XXXX sent me. This is untrue. I have the right to a credit report this is 100 % accurate. If this account was indeed placed with XXXX XXXX XXXX in XX/XX/XXXX then this account should reflect that on my credit report. It doesn't. According to my Credit Report XXXX had this account from the time it was opened to present time. This is inaccurate account according to XXXX they didn't have this account beginning XX/XX/XXXX. However, the Bureaus continue to allow this account to be on my Credit Profile as " accurate '' and " verified ''. The second problem with this account is the FDCPA has a guideline for companies to follow when attempt to collect debts that are owed. This company not only violated my right by sending this account to a third party company that I wasn't informed of but violated sections 805, 807, 808, and 809. A company can not use deceptive means to get collect a debt which is what XXXX and XXXX XXXX was using. In the letter XXXX sent me I was talking with XXXX XXXX about this account where the agreement was made that they would remove all negative information regarding this account instead of XXXX this is why XXXX can't find the call. However I knew nothing about speaking with a third party. In addition This account isn't verified, it isn't accurate, and needs to be removed Immediately. I will be including the letter I received from XXXX which shows this account is embezzled. This needs to be removed IMMEDAITELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and XXXX and Experian to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX  and XXXX and experian to follow the law and remove these attached debts from my credit report. Experian followed the law now in asking XXXX and XXXX do the same.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT FOR CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX
Product: Debt collection

I am writing to express my profound concern and dissatisfaction with the service provided by Source Receivables Management. On XX/XX/2023, I mailed a debt validation letter to the debt collection agency using Certified Mail. However, as of today 's date, XX/XX/2023, I have yet to receive an acknowledgement or response. 

The lapse of over 30 days without a response represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). According to this federal law, a debt collector is obligated to respond within 30 days upon receipt of a debt validation request. Regrettably, Source Receivables Management has failed to comply with these legal obligations, causing me significant concern. 

Furthermore, in accordance with the FDCPA and given the lack of response to my debt validation request, I insist that the alleged debt collection be promptly removed from my credit reports from all three bureaus, namely XXXX, XXXX, and XXXX. This is an essential step to rectify the situation and mitigate any potential harm to my credit standing. 

I respectfully request immediate attention and action on this matter. I hope to receive the necessary validation or a satisfactory resolution expeditiously, without further delay. This letter serves as a formal complaint against Source Receivables Management and a reminder of your obligations under the FDCPA. I will also escalate this to the office of the Texas Attorney General, XXXX XXXX, as well as the Federal Trade Commission. 

Attached are three documents : 1. An email showing that the debt validation letter sent via certified mail was delivered.

2. A copy of the debt validation letter. They have not responded for more than 30 days.

3. A screenshot on the USPS website showing that the letter was delivered and picked up by the recipient.

Thank you for your prompt attention to this pressing matter.
Product: Debt collection

I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX :, XXXX OF XXXX OF XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXXXXXX 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 instructions15 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.I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.Publishing this description will not affecthow the Cre hardes four companUBSCRIB
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently completed a dispute with the credit bureaus. Despite disputing the negative information with the credit reporting agencies, the inaccuracies persist. I request your assistance in investigating and rectifying the inaccurate information. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), and holding the credit reporting agencies accountable. I've disputed the inaccurate account labeled : XXXX XXXX XXXX XXXX I contacted the collection agency through CFPB concerning this account. However, the collection agency could not provide me with the date of first delinquency which was disputed with the credit bureaus. Which also determines when this account should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX ) provided documentation which shows inconsistent information furnished to the bureaus. Also, the open date information that's been furnished to the credit reporting agencies are erroneous. 

Listed in the attached image shows that this debt was purchased on XX/XX/2021. It does not give a date for the opening of this account on my credit profile. In addition, this account could not be opened on my credit profile by this collection agency before it was purchased from XXXX. Therefore it's inaccurate. Experian is using the original creditor 's open date which is inaccurate. It is a collections account. This information was disputed as inaccurate and still it remains on my credit profile. It's a violation of 15 U.S.C. 1681e ( b ) - Accuracy of Information and also a violation of 15 U.S.C. 1681i - Investigation of Disputed Information.
Product: Credit reporting or other personal consumer reports

I was shocked and disappointed to see unauthorized inquiries appear on my credit report this morning, and I can't figure out why. I checked it like I always do, but this time, there were unexpected issues. I tried refreshing the page, hoping it was just a glitch, but the inquiries stayed. Because of this, Im requesting a thorough review of the documents Ive sent so I wont have to deal with this XXXX  anymore.
Product: Credit reporting or other personal consumer reports

I have something on my credit report that shouldn't be on their still 2 actually
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 6o2 states i have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a vehicle under an open consumer credit plan as late for any purpose. I finance my vehicle through Wells Fargo. 

I also have a credit card through XXXX XXXX. They are also giving my information away as well
Product: Credit card

Capital One said they would not DING MY CREDIT REPORT!! But they did! This ding will stay on my report for years. I want them to remove it ASAP. 
Thank You
Product: Credit card

To Whom It May Concern, I am writing to formally express my dissatisfaction with the treatment I received from Barclays Security Group in connection with my recent application to upgrade my current JetBlue credit card to the JetBlue Plus card. 

I have been a loyal Barclays cardholder since XXXX, consistently maintaining excellent credit and account history. During the upgrade application process to the Jetblue Plus product, I inadvertently submitted a version of my last name that omitted a single lettera simple clerical error. Despite this, the response I received from the security representative was unprofessional, accusatory, and completely disproportionate to the situation. 

The representative stated, in a highly alarmist tone, that this is really a huge issue, followed by I dont know what I can do for you, this is a massive problem, among other insinuations that implied I was engaging in fraudulent activity. Rather than offering any support or solution, I was abruptly placed on hold and subsequently disconnected. This call took place on XX/XX/XXXX aXXXX XXXX XXXX EST. 

As a result of this incident, a hard inquiry was placed on my credit report. I find this unacceptable, as the inquiry stems from a flawed process and an error that could have been resolved amicably and professionally had I been treated with the respect and courtesy expected from a major financial institution. 

To be clear, I maintain a credit score above XXXX, along with a very low DTI, and a household income of over {$400000.00}. I am more than qualified for this upgrade and should not have been subjected to such hostile and dismissive treatment over a minor typographical error. 

I respectfully request the following : 1. A formal apology from Barclays for the manner in which I was treated. 
2. Clarification on whether my upgrade application can be reinstated without further issue. 

I hope this matter will be taken seriously and handled promptly. I can be reached at XXXX or ( XXXX ) XXXX - XXXX should you require any additional information. 

Sincerely, XXXX XXXX