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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Re-insertion of Debt on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a debt on my credit report. I have already disputed this debt, and it was previously removed. The recent reappearance of this debt on my credit report without proper validation and notification is a violation of my consumer rights. 
I request that the Consumer Financial Protection Bureau investigate this matter, as the actions of the collection agency may be in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. I request evidence that this information was supplied to me as required by this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about the re-insertion of this debt or my rights to dispute it. This lack of notification violates this provision, which mandates clear communication of my rights. 
3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to re-insert this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case. 
I request that you provide me with a detailed method of validation for the re-insertion of this debt. This includes : Proof of the process followed for validation. 
The names and contact information of individuals spoken to during the process. 
Copies of any emails sent regarding this matter. 
Certified mail receipts or other forms of documented communication. 
Without proper validation and notification, the re-insertion of this debt is both unlawful and unjustified. I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Product: Mortgage

This is my second complaint for an ongoing issue. My first complaint # XXXX has not been settled. I declared bankruptcy in XX/XX/XXXX. My case was closed in XXXX of XXXX. Caliber Home Loans still refuses to lift the hold on my account. I have no access to my account. No statements or online access. I pay an amoumt every month not knowing if it is correct ir not. They have blatantly disregarded correspondence from my lawyer stating that they are in violation on the NY State bankruptcy codes. How do they get away with this????? I never missed a payment in 8 years. The only way I can pay them is through my bank 's bill pay option or I can pay on the phone for a XXXX dollar fee. This is my home!!! They keep saying that an abandonment of property was never filed. The NY State trustee on my case informed them that no such document is required once the case is closed. Yet they refuse to grant me access to my account. I have not seen a statement since XXXX of XXXX. I am beyond XXXX about this. On top if this my mither passed away in XXXX of XXXX and they are still sending tax documents in her name and sicial security number. They were sent her death certificate a year ago and I have called XXXX other times about it. How can a company get away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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: Mortgage

Better Mortgage will not allow me to delete my mortgage application online and have not responded to emails. this account contains sensitive information that i would like removed and not able to be accessed if someone were to hack my account. They do provide a way to delete an application ( which doesn't work ),  but the company provides no way to delete an account.
Product: Debt collection

I recently sent a 609 letter to this company requesting they verify/validate this debt by sending payment history, purchase history, application and contract and I have yet to get any of this information from them. By law they are required to provide this information to me, if they arent able to provide it I need everything associated with the accounted deleted. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX  credit card thru Navy Federal Credit Union which I was approved for. I was told by NFCU they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. XXXX credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between NFCU & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX sent me an email asking me if this new account was mine, but my XXXX account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created XXXX XXXX : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with XXXX, but you can't file a dispute about something that's not on your report with XXXX. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had XXXX supervisor named XXXX XXXX tell me to file a dispute with XXXX and get the information from Navy Federal Credit Union to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the XXXX XXXX XXXX XXXX XXXX was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. NFCU sent me an alert to see what changed in my report the same day thru their Mission : Credit Confidence portal. XXXX sent me a survey XX/XX/XXXX. I emailed XXXX the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call XXXX in XXXX, PA, been transferred there from their overseas call center. Still nothing. NFCU has assured me the information has been provided to XXXX. XXXX has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on several occasions to Experian because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or XXXX. I have followed the prompt and reached out to both XXXX and XXXX to fix the supposed issue of them having information that doesn't match that of Experian. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the XXXX score or report XXXX  XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I writing to state my concerns. I had a car loan and it was repo and the car was picked up and sold I never hear from them again after that. I checked my credit and showing balance and charged off and still reporting past due and two different balancing on credit and it was charged off in 2013 they are reporting on my credit. I sent three cert letters and they sent nothing back helping the to support and things that I put on letters. Satander is the company I writing about. So I wondering what my next step is if it is charged off then why is it still showing on y credit as late payments and past due. If they charged it off and they told me in my dispute they charged it off in 2013. balance with satander is XXXX and some change. or the other balance XXXX I do n't have balances in from of me right now but I have to them someone contacts me. This account is showing activity when its was to be charged off in 2013. I have the three letters that I have sent to them and nothing as been resolved at all.
Product: Prepaid card

I received two American Express prepaid gift cards with balances of {$3000.00} and {$1800.00}. When I tried to use them, they were declined by nearly every vendor online that I tried. I can only use them at local grocery stores. After researching into the issue, it's clear that many others experience the same problem with American Express gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, XXXX have submitted several disputes from XX/XX/2020 until present day concerning a late payment reported due to the global XXXX crisis. My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. My consumer report shows a 30 day late payment. The information I've received from the most recent representative said it was too late to dissolve the information because its been too long. I have written several letter via certified mail attempting to discover why is it that I'm exempt from the programs that are/ were in place due the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that I had fraudulent accounts and inquiries on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. If not you are opening yourself up to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

This is a follow-up to complaint filed under XXXX. A representative ( XXXX ) called and left a number with her extension, XXXX, ext XXXX. This representative called on XX/XX/XXXX at XXXX. She stated that she was calling from Capital One 's executive offers regarding a concern I had. 

I have attempted to reach her at this number 5 times, some of which I left a voicemail. During my last attempt, today XX/XX/XXXX at approximately XXXX, once given the option to press 1 to dial an extension, there was no option to do so. 

It appears that the company is not genuinely interested in resolving this matter, rather pacify CFPB and me, the consumer, with a message from their " executive office '' with no intent to return a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i

sent the following letter via certified mail to all three credit reporting agencies.

To whom it may concern, I have recently received my credit report and would like the following inaccurate information to be investigated. These inaccuracies are negatively affecting my life and would like them removed. 

XXXX XXXX XXXXXXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Delete this account because all three bureaus report different Date last active [ XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ Equifax XX/XX/XXXX ] Please send me a new credit report reflecting these changes. 

Thank You XXXX XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are still differnt date last active being reported on each account. 
I have attached 2 credit reports, a credit report before and after the investigation.
Product: Checking or savings account

Starting Wednesday XX/XX/year> capital one started having tech issues and has been withholding direct deposits for consumers with little to no communication or time line and plans to leave consumers without money till after the holiday weekend showing zero concern
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my credit report with Experian and they failed to do any investigation in to correcting the error on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with Hyundai Motor Finance in XXXX XXXX for three years. In XXXX XXXX I had paid in full and never had a missed payment however, upon calling one day I talked to someone who was very unhelpful and rude at XXXX. One week later 8 missed payments showed up on my XXXX ( only ) credit report from XXXX XXXX XXXX XXXX and XXXX ( XXXX ) dropping my score 82 points. I called Hyundai who told me I had always prepaid and never had any missed payments, so I filed a dispute with XXXX on XXXX XXXX. By XXXX XXXX I received a letter from XXXX that Hyundai provided them all documentation and Hyundai removed the erroneous information. I never received an explanation of how someone goes backwards XXXX XXXX years and adds inaccurate information though I do believe it was the gentlemen I upset at Hyundai who did it. My credit score went back up over an XXXX and the account was closed in perfect standing and all my checkboxes were green with no missed payments. Today I check my credit score and once again Hyundai reported all the same erroneous information that was just resolved. I contacted XXXX and they verified that Hyundai once again did the same thing on a closed account that Hyundai just removed from the account. The XXXX women told me I should contact you because she too thinks this is very shady and that she has never seen anything like this. To the point she was going to call Hyundai on my behalf. I truly believe Hyundai has a gentlemen on their payroll who is purposely and maliciously opening my closed account and re-reporting information that they just removed. When I called Hyundai, they will not let me speak to the department who reports it, informed me I once again had to wait 30-60 days for them to research it and that they could not tell me why this is repeating itself. As a matter of fact, they are completely not willing to provide me with any answers. I asked them to reopen my old dispute, they said they ca n't. Long story is I can not speak with anyone who can help me in a timely manner, they once again dropped my credit score 77 points and I feel this is going to continue happening over and over again. Please help me.
Product: Debt collection

I have reached out to PORTFOLIO RECOVERY asking for proof of this debt. I asked them to send me my signature from capital one that this debt is mined. PORTFOLIO RECOVERY refuses to do so. The only thing they will send me is an old credit card statement. THIS IS NOT verification. THEY are rude and will not send me what I'm asking for. I'm demanding they send me my signature asap or else send me a letter stating this account is not verified and remove IT ASAP of my credit report.
Product: Debt collection

I HAVE NOTIFIED THE COMPANY TO CEASE ALL COMMUNICATION WITH ME AND THAT I REFUSE TO PAY THE DEBT 15 US CODE 1692 ( C ) ALSO NOTING THAT CEASING ALL COMMUNCATION WITH ME INCLUDING THIRD PARTY COMMUNICATION VIA CONSUMER REPORTING AGENICES AND THAT THEY DELETE ALL INFORMATION.
Product: Debt collection

I have tried reaching Barclays Card for weeks to settle on a charged off credit card. I went through hundreds of thousands in financial losses over the past three years, but I am taking responsibility and reaching out to the charged off accounts. Accordingly, since the Barclays phone lines do not answer, I am making a settlement of {$2000.00} payable in three payments, {$700.00}, {$700.00} and {$600.00} respectively. I can make my first payment immediately. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy right Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6l1. 
My contact information is as follows : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I found out that my credit report has unauthorized inquiries, and I don't understand why. My routine check revealed discrepancies that hadn't been there before. I refreshed my browser thinking it might be a technical error, but nothing changedthe unauthorized inquiries stayed. I need this issue resolved urgently, and I ask that the documents Ive sent be reviewed carefully so I no longer have to deal with this.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I recently paid off XXXX of my XXXX loans and I have a screen shot that on XX/XX/2017 my XXXX account had a {$0.00} balance and my XXXX account had a {$3400.00}. Today ( XX/XX/2017 ) I received a letter saying my XXXX Loan Forgiveness Program was sent to the loan guarantor for review. This might clear the remaining balance in my XXXX account. However, when I logged into my Navient account today to read this letter, I noticed my XXXX account was at a negative balance, - {$650.00} and my XXXX account has a balance of {$4100.00}. 

My complaint is that interest still accrues during the forbearance time when my application for forgiveness is being reviewed, so interest is accruing on {$4100.00} and not {$3400.00}. I also have a complaint that my application might have been sent to the loan guarantor asking that {$4100.00} be paid off, which might mean Navient will end up seeing a credit of - {$650.00} in my final account and write it off as a profit for their company if my loans are paid off.