23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Interest rate is not displayed on monthly statement from Kia Motors Finance or on website XXXX ( when logged into account ). According to Regulation Z, Comment for 1026.7 - Periodic Statement, section 7 ( a ) ( 4 ) Periodic Rates states " 1. Disclosure of periodic rates - whether or not actually applied. Except as provided in 1026.7 ( a ) ( 4 ) ( ii ), any periodic rate that may be used to compute finance charges ( and its corresponding annual percentage rate ) must be disclosed whether or not it is applied during the billing cycle. ''
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau 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 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **XXXX XXXXXXXX XXXX - XXXX - **Social Security NumberXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX On XX/XX/2024, TRANSUNION deleted the following information from my credit report : COLLECTION REMOVED. This deletion was based on COLLECTION ACCOUNT WAS REMOVEDFROM YOUR CREDIT REPORT.

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that [ Name of Credit Bureau ] 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A States I have 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has me in there system when the info doesnt match mines
Product: Credit card or prepaid card

ON XX/XX/2019 I APPILED ONLINE FOR A XXXX XXXX CREDIT CARD, REFERERNCE NOXXXX, SEE ATTACHED. I HAD A SECURITY ALERT ON XXXX, BUT WAS REMOVED AND NOW NEED THEM TO LOOK AT MY CREDIT TO FINISH APPLICATION PROCESS TO ISSUE CARD.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

Charter communications is stating I didn't pay off a cell phone installment when I left their company for another cellular company. This phone had to be paid off to unlock the phone from the carrier to be able to take it to a new company & get service on it. There would have been no way to get service on the cell phone without paying it off & unlocking it. I cancelled service in XX/XX/XXXX I received letter notice of debt from CBE group early XXXX, I immediately disputed online & NEVER received proof of debt. They called multiple times after my dispute to get payment and I told them each time that I requested proof of debt, it was never sent & that it is not my debt & I had email proof the bill had been paid. One employee had a conversation with me that SHE BELEIVED the bill had been paid, but there was nothing I could do to change that and they wouldn't accept my dispute and I just needed to go ahead and pay it. 
The company then sold my debt to another company in early XXXX, XXXX XXXX strategies, and this company reported the collection to my credit BEFORE the posted dispute due date, I have since disputed the debt online & still waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wrong status XXXX XXXX XXXX  XXXX XXXX XXXX wrong status XXXX XXXX  XXXX/XXXX  XXXX wrong status XXXX XXXX XXXX wrong status INQUIRIES XXXX  XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX  XXXX  XX/XX/2018 unauthorized XXXX  XXXX XXXX  XX/XX/2018 unauthorized XXXX  XXXX  XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX  XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized PUBLIC FILINGS BANKRUPTCY CHAP XXXX-DISCHARGED XXXX inaccurate Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$430.00}, {$1600.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2400.00}, {$470.00}, {$440.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

I pulled my reports and noticed some unauthorized inquiries that were not initiated by me. Please remove as a results of identity theft.
Product: Credit reporting

XXXX of the addresses that show up on my TransUnion report are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX .... Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX XXXX and TransUnion immediately! 

XXXX XXXX XXXX  XX/XX/year> {$460.00}
Product: Debt collection

It says date opened XX/XX/2017. {$330.00} was due. I had contacted them and told them this wasnt me, they said I still had to pay it so not sure what I need to do from here
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deceptively keeps a dispute open where the issues have been resolved. The two collection agencies who reported wrong addresses on XX/XX/XXXX have retracted that misinformation and returned files to XXXX due to " fraud '' in their words, not mine. XXXX agreed in a XXXX  exchange to delete XX/XX/XXXX hard inquiry. However, Equifax continues to demand items from me for no other purpose other than to cover-up their complicity and/or negligence in compromising my information and creditworthiness to rogue employees at XXXX. My address is the same since XXXX, phone number the same since XXXX, cell phone the same since XXXX, email the same since XXXX. The fact that Equifax allowed rogue employees to change information on my file adding wrong addresses and even changing my phone number is not my fault.
Product: Credit reporting or other personal consumer reports

On or about XXXX, XXXX  ; I Consolidated a Private Student Loan from XXXX to a Federal Student Loan/Dept of Education Loan Serviced by XXXX. 
Since this time, i have been trying to get this transferred loan off of my credit report. I have written letters to XXXX, have filed complaints and have done everything that I can think of to get this loan removed. As of today, This Student loan Is Still Showing as Open with a balance of {$22000.00}, Dept of EdXXXX XXXX XXXX is also showing with a balance of {$22000.00} ; which means that this loan is showing on All Three Credit Reporting Agencies as TWO Open Loans instead of ONE.
Product: Mortgage

On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both XXXX and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing Wells Fargo as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter Wells Fargo was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that XXXX and its investors and Trustees did not have the proper authority to foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX  XXXX {$9700.00} CHAPTER XXXX BANKRUPTCY DISCHARGED CHAPTERS XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANKRUPTCY FILED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that I was never late on any of my open accounts in XX/XX/2020, XX/XX/2020, XX/XX/2020, or XX/XX/2020. I have provided proof that these accounts where not paid late, and TransUnion has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.
Product: Mortgage

My mortgage increased by almost {$500.00} overnight due to an incorrect tax calculation by my lender. A calculation from the previous homeowner ( who had a homestead exemption ) was used, and the taxes were almost half of what the most recent prior owners had paid. Just after a year of making timely payments, my mortgage increased to cover the taxes that were calculated incorrectly from the first year of my mortgage and to adjust for the second year going forward. I called my lender, Caliber Home Loans, and was told that they based their calculation on what was on record and that the taxes had to be paid. I asked if there was anything that could be done since I could not afford that much of an immediate increase, and it was suggested that I apply for a " COVID forbearance. '' I did not have COVID but was told that I would qualify for a forbearance if I was 30 days behind on payments. The representative from Caliber Home Loans said that I should not pay my mortgage for the month, and on the XXXX day, call to apply for assistance. They told me that I would have a 90-day forbearance period and then would be put on a loan modification plan with trial payments for the next 90 days if I qualified. Since I had an unexpected XXXX and two major insurance claims on my home due to storms during that time, I took the representative 's suggestion. I completed the paperwork that was provided to me and was approved for a forbearance. During the process, my loan was transferred to XXXX Mortgage, and it was extremely difficult to connect with anyone to answer my questions about how my credit would be affected. I kept getting bounced back and forth between Caliber and XXXX, and no one could provide answers. I did everything I was told according to my paperwork, made the trial payments as agreed, and my loan was modified. Several months later, I saw that Caliber Home Loans reported late payments to the credit agencies, so I submitted a dispute, which Caliber claimed was not valid. I tried to call Caliber to discuss this, and they had no record of my loan since it was transferred, so I then called XXXX. The gentleman who I spoke to that day said that 'this happens all the time ' because of representatives giving clients incorrect info regarding the forbearance process. He said the forbearance lasted only 90 days, and then I would have needed to pay the three months of mortgage in full at that time to prevent a credit issue, but since I was on the trial plan for the next 90 days that it makes my payments late by 90-days. This was never explained to me. He then gave me an address for Caliber and suggested writing a letter, but it was a XXXX XXXX XXXX, and I couldn't certify it. Now I am trying to purchase a new home, and the late payments are preventing me from obtaining a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Product: Debt collection

I checked my XXXX credit report on XXXX and saw a collection account for Credit Systems INTL IN, never received notification about an attempt to collect a debt or anything. Furthermore I don't recall having an XXXX XXXX XXXX, my information was apart of identity theft.
Product: Credit reporting or other personal consumer reports

I need all bankruptcy removed off my report in accordance with fcra this is inaccurate information be reported on my account 15 us code 1681 a ( I ) Transactions and experiences should not be reported at all and bankruptcies are experiences that should not be reported on my consumer report This is defamation of character as XXXX XXXX has already removed this information XXXX  is not precisely accurate Im am calling for the removal of these bankruptcies before I file identity theft on credit bureaus
Product: Credit reporting

I submitted a dispute on a Tax Lien issue by  XXXX   County Superior Court  in    XXXX   XXXX    in the amount of {$1800.00}. I paid that lien in full in    XXXX   XXXX   XXXX   . I received a full lien release on    XXXX   XXXX   XXXX    from the  XXXX  Department  of Revenue . The  Tax Lien  was removed from my Equifax credit file on    XXXX   XXXX   XXXX   . One month later, the tax lien was reinserted into my credit file with Equifax. Both  XXXX   County Superior Court  and the  XXXX  Department  of Revenue  sent me an email indicating that they never divulge any information to any credit reporting agencies ; therefore, the tax lien information has been furnished by a third party agency and I was never informed that the item had been reinserted into my credit file, which violates the Fair Credit Reporting Act  611 ( a ) ( 5 ) ( B ) ( ii )  which states : In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii  ), you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted mate rial ( ii ) No tice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 ) b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.