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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GARDENS XXXX FL XXXX XXXX XXXX XX/XX/XXXX 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 : - **Name : XXXX XXXX XXXX XXXX XXXX of Birth : XXXX - **Social Security Number ( last XXXX digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FL XXXX **Background : ** XXXX XX/XX/XXXX, EXPERIAN deleted the following information from my credit report XXXX DELETED. This deletion was based on This item was removed from your credit report. Please reviewed your report for the details **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 Experian 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 [ Name of Credit Bureau ] 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 Experian 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: Vehicle loan or lease

I recently purchased a 2014 XXXX XXXX from XXXX XXXX. I put {$2000.00} down and pay about {$400.00} a month. With an over XXXX % interest rate in a 5-year deal. This is my family vehicle I have a XXXX daughter a XXXX XXXX XXXX  son and my wife. A little over 3 months into having this vehicle and less than XXXX miles. This vehicle broke down on my wife at my child 's school. I went and checked it out and the lower control arm is broken the XXXX XXXX is broken I paid a couple XXXX dollars for a tow truck to tow it to my house. The next day I called the dealership they towed it to the dealership and then invoiced me for {$3700.00} in repairs. Told me that I my warranty does not cover it and that it is from wear and tear. Reminder I've had this vehicle for less than XXXX miles and it only has XXXX mi total on it. After arguing and speaking with dozens of Representatives from the dealership. I decided to get it towed to another automotive place that did all of the work for {$2000.00}. I have yet to hear back from the dealership and have not received any compensation of the fact. And the automotive mechanic expert that worked on my vehicle said that my car has major rust damage and I was not notified of that before purchasing this vehicle. I asked the dealership for the inspection paperwork for which I compensated and paid for them to do before I purchase the vehicle and they told me that those files are no longer available. I have pictures of the damage and I have a receipt for what I paid for the damages to be fixed and I have their invoice that they sent me for {$3700.00}. Please help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my personal credit reports ( Transunion, XXXX and XXXX ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX  and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX   reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXXXXXX, XXXX ( XXXX. XXXXXXXX. XXXX. XXXX. XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX. XXXX. XXXX  XXXX ( XXXX XXXX. XXXX XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$28000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the fair credit reporting act XXXX. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Product: Credit reporting or other personal consumer reports

inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I mailed XXXX, Experian, and XXXX about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute to Transunion via XXXX pertaining to an incorrect balance and payment history being reported by the creditor XXXX XXXX  XXXX. 
Three days later, I received notice indicating that Transunion had investigated the dispute and verified it as accurate. 
On XX/XX/XXXX, I sent a written dispute and demand for verification to Transunion regarding the account in question. In addition, I included a hard-copy receipt to provide evidence of my claim. At that time, I currently owed XXXX XXXX, XXXX, a balance of {$5.00}, XXXX. This balance was paid on time. 
Transunion records reflect a much higher and incorrect balance of {$7400.00} that was 30 days past due! 
In that letter, I asked that Transunion correct my file. 
OnXX/XX/XXXX I received a letter from Transunion indicating that they once again verified the information as accurate! No other information was provided. Transunion did not provide any details of their investigation or to whom they spoke, or how. 
Transunion is NOT following federal law and investigating legitimate claims against data furnishers. Every time I try to correct a matter on my report, I get a letter that essentially offers no help or provides blatant lies. 
I'm getting tired of trying to amicably work with Transunion and am willing to pay any number of the multitude of attorneys online to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times and provided a identity theft report and equifax has not deleted XXXX XXXX bank tab this account is fraud and needs to be removed off my credit report and blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account that says it was opened : XX/XX/2017 - XX/XX/XXXX - original creditor name : XX/XX/XXXX {$5000.00} This account was not opened by me in 2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.
Product: Student loan

I have had an incredibly difficult time trying to pay off my student debt, instead of adjusting payment options, or allowing me / working with me to make changes, if I have a 'tight ' month Im just punter to forbearance which means I am still accruing debt in interest.
Product: Credit reporting or other personal consumer reports

I have been trying to set up a credit freeze with Experian since I had been notified that my social security number has been showing up on the dark web. After trying many times, I find it impossible to log into my Experian account no matter what I do. They tell me that my present phone numbers are not what is on their record. They have sent me verification links to my cell phone, but my cell phone does not have the capacity to click on their verification link. I find that it is impossible to get human help from Experian for this matter. 

I am locked out of my Experian credit account. I can not sign on. I would very much like to set up a credit freeze. Can you help me?
Product: Debt collection

I purchased furniture from XXXX XXXX XXXX in XXXX. I agreed to pay $ XXXX thru Synchrony bank for the cost of my purchase. I was told that the due date is the XXXX of each month. I have XXXX XXXX  records that I've paid as agreed. 

I was NOT told that a payment made prior to the XXXX of each month would be credited as a payment for the PREVIOUS month. XXXX is claiming that I have past due balances because my EARLY payments were credited as payments for the previous month. 

In a phone call between XXXX, myself, and a female in the XXXX accounting dept., the XXXX person explained why their system shows an erroneous past due balance. She said XXXX would erase/cancel the past due claims and advised me to just be sure I paid AFTER the XXXX of each month. 
I thought the issue was resolved, but XXXX is STILL making collection calls about this ERRONEOUS past due balance. My credit score has taken a big hit, and XXXX is the reason why. Please help.
Product: Vehicle loan or lease

foreman financial gave someone else a auto loan in my name on XXXX/XXXX/XXXX for the amount of {$19000.00} after I contacted ( XXXX ) which is the supervisor for the finance company he ran my credit once again knowing that I had already made a police report and also made a report to the federal trade commission for identity theft and two days later XXXX called my place of employment harassing me. and every time I called back to speak with him his staff XXXX XXXX XXXX XXXX would give me the run around and continued to hang up on me
Product: Debt collection

Atlantic Recovery Solutions called me on my cell phone at XXXX XXXX on XX/XX/18. They left me a vague message saying they were following up on a previous conversation we had. Literally 11 minutes later, they called me on my employer 's phone line from a different number and I answered. The employee, XXXX at first refused to say where she was calling from. She kept yelling at me " Did you get my email, did you get my email? '' and wouldn't let me speak. I then told her they do not have permission to call me at my place of employment. She then yelled at me " I can call you wherever and whenever I want ''. 

Her comments feel like stalking behaviors and I am concerned that my request to not be called at my place of empoyment will not be honored. Also disturbing- the email that she said was from her was sent by someone named " XXXX XXXX, not her. I don't know if a " XXXX '' even exists. I am asking that Atlantic Recovery Solutions cease and desist all contact.
Product: Credit card or prepaid card

Wells Fargo Visa, is refusing to give senior, XXXX XXXX XXXX reimbursement for credit card purchases made by a caregiver, XXXX XXXX, who has been charged with XXXX felonies for this theft and senior abuse. XXXX XXXX 's district attorney has provided proof of charges.Wells Fargo states that because she promised to pay it back they will not reimburse him. We have all documents of proof. We have been dealing with this since XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX at the age of XXXX, XX/XX/XXXX, but our family wishes to pursue Wells Fargo and Visa to repay his estate.I hope that you can help us. The amount of the theft on the Visa charges are {$14000.00} and XXXX in interest and fees.for a total XXXX.XXXX XXXX also made payments to XXXX Visa out of his checking account in the amount of $ XXXX.XXXX XXXX also used a Debit card without his permission in excess of 100 thousand dollars.Wells Fargo will not reimburse for these losses,.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, Experian, and XXXX regarding the following accounts reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian and Transunion removed one of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} However, I am having a really hard time with them removing the XXXXXXXX XXXX from all three credit bureaus : XXXXXXXX XXXX XXXX XXXXXXXX - {$2800.00} and and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} I have also provided them with the FTC report. 

In XXXXXXXX XXXX XXXX all XXXX credit bureaus removed the XXXX accounts from my credit report and now placed them back onto my credit.
Product: Mortgage

XXXX of XXXX, I had not received a mortgage payment booklet, so I sent a payment of {$1000.00} which they received XX/XX/XXXX. SInce XXXX of XXXX I had been sending extra payment on the principle to pay the mortgage off early. Later in XXXX I got a payment booklet which stated the entire balance owed in as of XX/XX/XXXX was {$2100.00}. With the payment slip I sent a check for the remaining XXXX balance which they received on XX/XX/XXXX. I also noted Mortgage paid in full. I noticed in the payment booklet they had vague lists of charges ; ie. XXXX to {$80.00} for closing estimate. I didn't need it. It clearly stated the remaining amount to the mortgage. I expected a letter stating to get lien clearance and the Property title I owed them x amount. Instead I began getting up to 6 letters a week telling me I owed them any amount from 241 to 881 with no explanation as to why. I sent a certified letter to the CEO of PHH Mortgage, and was turned over to the " Omsbudsman '' office at XXXX. They said they would investigate and asked for additional time. Although they still could not explain all the extra money I owed ( the two staff people I dealt with ) I did discover that 1 ) they not only failed to apply both checks to fulfill the balance in XXXX ; but they created extra payments and 2 ) CHARGED ME AN ADDITIONAL INTEREST!!!! I also learned that they had on at least two occasions in XXXX charged me late fees. They were not entitled to do that until the XXXX of the month, but they did it if payment was not received by the XXXX. I have yet to learn whether they did thissame illegal charges in XXXX as well. I have also been receiving dunning letters sometimes 6 times a week as if I am a deliquent debtor. Amounts vary from letter to letter. I have also received letters advising me on how to declare bankruptcy. When I requested that they stop these letters ; that I considered them Harassment, they told me that they were not able to do that. Aside from the serious stress of this situation, it is possible they are doing damage to my excellent credit status. Paying off a mortgage should be something to celebrate. This is making me sick ... literally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my previous complaint regarding XXXX reporting my balance incorrectly with XXXX. They responded saying they updated the balance, however, I received a notification from XXXX  last week that they reported the account as closed. I submitt4d a new CFPB complaint and today I received another email from TransUnion saying XXXX reported the account as closed. Please report the account correctly with TransUnion and please be careful not to change the status at the other bureaus. The account should be reported as Open, pays as agreed.
Product: Checking or savings account

We believe we are being discriminated against by Wells Fargo because we are a church. 
Wells Fargo ( WF ) has threatened to close our bank account suddenly after 30 years because we are a church and do not have a formal 501 ( c ) ( 3 ) approval from IRS. In all their paperwork we claim to be a non-profit ( we are a church ) and therefore exempt from naming benefitted individuals - because we are not a stock corporation and have no owners. WF says that in order to be exempt we must have 501 ( c ) ( 3 ) status. We told them on the phone once ( XX/XX/year>XXXX  ) and in person two different times ( XX/XX/year>XXXX  and XX/XX/year>XXXX  ) that we have 501 ( c ) ( 3 ) status just by virtue of being a church per IRS regulations : " Churches ( including integrated auxiliaries and conventions or associations of churches ) that meet the requirements of section 501 ( c ) ( 3 ) of the Internal Revenue Code are automatically considered tax exempt and are not required to apply for and obtain recognition of exempt status from the IRS. '' So we do not need formal approval from IRS. But they say unless we have formal approval they are closing our accounts within two weeks. We have payroll to meet, rent to pay etc. It takes months, fees and lawyer bills to obtain approval ; something that is beyond the means of our small Congregation.

We have sent them voluminous documentation proving we are a church and showing them the IRS regulations, to no avail. 

If we could only talk to someone sensible there instead of bureaucrats who don't understand the law, I'm sure we could resolve this. We filed a formal complaint with them but as yet have received no communication. Please help.
Product: Checking or savings account

On XX/XX/year>, Cathay Banks worker sole me the fake banking product and opened a fake CDs account without consumer authorization. 
( Account number : XXXX ... )
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home Mortgage, Reported late payments on payments that were made on time