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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXXXXXX 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: Payday loan, title loan, or personal loan

I received 3 emails from NetCredit claiming that I opened and signed for an account which I did not.This is clearly not just marketing since they claimed I signed for this account in their second email, yet their third email says something about my loan offer is ready ... If this is marketing, it is predatory or at least misleading. If it is fraud it is even worse ... There is a New Inquiry reported on my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX TRANSUNION XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Request for Removal of Information Under Section XXXX of the Fair Credit Reporting Act Dear TRANSUNION, I am a victim of human trafficking, and the information listed below on my credit report is a direct result of that trafficking. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : XXXX XXXX XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Collections showing on my credit report XXXX. XXXX XXXX and XXXX. XXXX XXXX. I have requested proof of these belonging to me. After XXXX requests I have received nothing except an explanation that they are valid. XXXX XXXX has notified the bureau of a {$1.00} increase and then a {$1.00} decrease causing my score to fluctuate numerous times through the month. This is very frustrating that this is being allowed and no proper investigation has been completed. Attached below are screenshots of the notifications from the bureau. 
XXXX - XXXX XXXX balance increase of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance decrease of {$1.00} XX/XX/XXXX XXXX XXXX XXXX balance increase of {$1.00} XX/XX/XXXX - XXXX XXXX  balance decrease of {$1.00} There has been ample time to properly investigate and provide proof.
Product: Debt collection

Hello, On XX/XX/XXXX a collection ( total of 5 ) was placed on my XXXX  credit report by Harvard Collections. I found out on XX/XX/XXXX when I obtained my free reports. I was appalled as this is the 3rd agency that has tried to get the {$100.00} total from me. I have also received calls in the past from various collection agencies as well as postal mail on and off. I feel sick and angry all over again as I thought this ongoing issue was over and done with. To continue, I was never an inpatient anywhere in XX/XX/XXXX therefore the date is incorrect. I was however a patient in XX/XX/XXXX but my story and my truth remain the same. The first delinquency dates are incorrect as well-all 5, the charges were bogus and I confirmed this with a Medicare rep, in addition they waited 2 years to bill and all medical facilities know that they have 1 year to bill Medicare. I have copies of all the letters that I mailed to the first 2 collection agencies. I also have my notes regarding my call to Medicare and the rep that I spoke with as well as other notes, Medicare statements etc ... I hope something can finally be done now to stop these lying, harassing people and agencies etc ... they're relentless and it's very unfair and unjustified to ruin a persons credit with bogus charges. I hope the 5 collections will be removed from my reports as soon as possible as my credit reports are good and very important to me. I forgot to add that when this started I NEVER received any bills regarding the charges-just straight to collection and the first collection notice that I received was XX/XX/XXXX and the charges weren't on my Medicare statements either which I also confirmed with a Medicare rep. These agencies have also sent mail to relatives solely based on our surnames-sent to addresses that I have never resided at. Thank you very much.
Product: Credit reporting or other personal consumer reports

XXXX education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all affirm inc, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit records and I wanted to get some copies of documents on my account. 

-The account closing date -Balance when account closed -Current reporting status with XXXX- XXXX- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX To whom it may concern I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX # XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my obtain credit.
Product: Credit card or prepaid card

I was approved for a Synchrony Bank Care Credit Card in XX/XX/XXXX. I made on time payments every month, and never missed any payments. My credit limit was {$9500.00} and my balance was about {$3800.00}. Synchrony Bank said they conduct an account review on everyone 's account every 6 months to determine if the need to make changes to the account. 

They decided to decrease my limit from {$9500.00} to {$4000.00} which put me over 30 % utilization causing my credit score to drop. Then in XX/XX/XXXX my bank account was compromised, I contacted Synchrony Bank to inform them before the payment was returned, instead of them allowing to make another payment, they closed my account XX/XX/XXXX for 1 returned payment. 

They followed up with closing my XXXX XXXX, and decreased my limit with American Eagle from {$500.00} to {$400.00} dollars, once again putting me over 30 % utilization. 
I have never had anything like this happen to me with any other creditor, they have treated me very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a collection for an account that isnt mine. This account said it was open this year and from a consumer I dont even use. I have XXXX XXXX XXXX service since XXXX and this collection is for a XXXX account opened in XXXX. 

I have took action to report to the company but nothing has been resolved yet and over the phone they even said I dont see an account in the system for me. 

Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00}
Product: Debt collection

PERSOLVE LLC, SENT A LETTER ON XXXX THE XXXX ABOUT AN INCREASE IN INTEREST FOR A DEBT THAT I WAS SUED FOR AND HAD NO IDEA ABOUT. I SENT A COMPLAINT TO THE ATTORNEY GENERAL 'S OFFICE AND THEN ON XX/XX/XXXX, I RECEIVE A LETTER FROM THE XXXX XXXX DEPARTMENT GIVING ME 20 DAYS TO RESPOND TO AN ACCOUNT XXXXI AM IN AWE AT THIS ENTIRE SITUATION BECAUSE I DON'T KNOW WHO PERSOLVE LLC IS OR WHAT DEBT I HAD THAT THEY BOUGHT. I AM HOWEVER, GOING TO SEND A CERTIFIED LETTER TODAY ASKING FOR INFO ABOUT SUCH AN ACCOUNT THAT I OWE XXXX XXXX DOLLARS FOR.
Product: Bank account or service

I applied for the Citigold Checking account with the promotional XXXX AAdvantage Points after completing all the requirements. I completed all the requirements and waited after statement closing of 90 days and still have n't received my bonus points added to my AA account. I contacted the company by phone and via chats several times already and each time they said I will get a response within the next day and I still have n't yet. I 'm beginning to think this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from XXXX XXXX on my car loan. XXXX XXXX reported my car loan as closed, settled for less than owed and late. I reached out to XXXX XXXX and disputed the issue with all three bureaus. Experian, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with XXXX XXXX. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately XXXX XXXX has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. XXXX XXXX admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from one of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with XXXX XXXX last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, XXXX XXXX did report incorrect info to all three bureaus. Experian confirmed that XXXX XXXX only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. XXXX XXXX has to request from Experian to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F
Product: Mortgage

Bait & Switch. 
XX/XX/2019 due to the onset of the pandemic. I received mailing from XXXX  For hardship due to covid-19. An option was to refinance through XXXX or another bank. I chose XXXX since. I'm already a customer. For two years I asked for a manager or supervisorexplain the terms. 

To help me get refinancing. I was told to keep paying my mortgage payments. Then, I was told to stop making my payments for 3 months. So that, my loan could be modified. I repeated that, I just wanted to refinance. To lower my interest rate. National average was btwn 2-3 %. 

Finally, I received a packet to modify my loan. The mortgage payment was lowered. Not the interest rate. Additionally, the life of the loan was extended another 10 years! Again asked for a manager or supervisor. 

This goes on for years .... I get a call later saying, they stopped refinancing. BUT 2 days later. I get another brochure from them say that, I can refinance through them. I was offered yet, another modification. To but me, in deferment again, paying an additional {$100.00} more for 40 years. I asked, again about a lowered rate. I was then hit with you owe XXXX. 

Then following week with a counselor on the line. They told me, I now owe XXXX? HELP ME! THANKS
Product: Credit reporting 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 use 1681.

consumer collection XXXX XXXX XXXX XXXX  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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I called into NAVY FEDERAL XX/XX/XXXX XXXX was transferred to a supervisor by the name of " XXXX XXXX, XXXX refused to start a investigation for me concerning the return of ( 4 ) remittance / coupon payments. Each payment was received BY NAVY FEDERAL XXXX XXXX XXXX XXXX VA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX They have not been rejected, dishonored or returned, NAVY federal has kept my form of payment way past conditional acceptance time period. I have called NAVY FEDERAL several times & have been met with nothing but rude, inappropriate customer service reps. They used their personal experiences & personal reasons as for reasons they will not open a case for my missing payments. this is a VIOLATION of my rights as a consumer with NAVY FEDERAL. I have been disregarded and giving no information on where to send remittances. I have done research on my own to find the correct location for my private payments with no help from NAVY FEDERAL.
Product: Checking or savings account

I have been a member of this bank for YEARS. I have been traveling and living the same lifestyle also FOR YEARS. For whatever reason, the service and access to my card has gotten worse and worse, and especailly awful in the last XXXX  months. This month alone i have had to call in at least XXXX to get 'fraud alerts ' to be subdued. My payments are constantly blocked. Every person I speak with apologizes and says its a visa thing. Nothing has been done. Nothing about my spending habits or lifestyle has changed. It has been relentless to try and just spend my own money. No one has answers. No one can help. I just have to keep calling over and over to get the fraud alerts to be subdued, and regain access to my card. I spend hundreds of thoudsands of dollars a year on this card and for some reason i get completely shut down when I try and buy food for {$20.00}. It is crippling. I am hoping this route will have some effect on this. I just want to spend my own money. Like I have been for years. XXXX calls this month just to get my card unlocked. No one does anything to make it better. This isn't a visa problem, this is a schwab problem. this is who manages my bank accounts and money. my card is cut off, compromised, needing a new one but wont expedite. I also promise for whatever XXXX answer the bank may have 'a new card ' is NOT the solution. I have had new cards. I have had the same card. I have had the same spending habits. a new card won't fix this. and changing my account to an international one won't either. They are just getting worse and worse with service and i have XXXX answers.
Product: Credit reporting or other personal consumer reports

This is a second notice to Cras XXXX, equifax and XXXX That are Fraudulently Holding non public Accounts on my credit Report without ever disclosing the opt of transaction history and experiences Being reported on my report is excluded from a consumer report Accounts like XXXX XXXX XXXX CREDIT BUREAU XXXX XXXX CREDIT BUREAU XXXX XXXX Which is a medical collection and Fraudulently reported as medical information is prohibited from reporting on your consumer report CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX  XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX All accounts above are by law illegal via 15 us code 1681a ( i ) as they they report my transaction history and experiences with creditors I have opted out of equifax, XXXX and XXXX From Disclosing and sharing my non public information on my consumer report And if these fraudulent acts keep up I will put Cras under a default judgement And escalate case to to arbitration
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX  has a innorrect remork on my credit I told them to remove it they said ok. But its still showing REPO. My car was never late and never a REPO. Please update. 

I never had a XXXX, XXXX or XXXX XXXX This isnt my XXXX XXXX Only one payment was made. I would never ruin my credit. 
XXXX isnt late or I dont owe remove from my credit XXXX? I dont have a XXXX account I live with my mom she has her own utlities. This is hurting me getting a mortgage please help me.
Product: Bank account or service

I have been paying chase bank monthly for one year yet they still show on the credit report that no payments have been made. In addition, one year prior to this was their delay not mine in " waiting '' for 6 months to pass once my XXXX mortgage was modified ( after a job loss ). They then took several more months to decide not to modify and I was forced into a one year repayment plan which concludes this month. The excessive time taken by their slow churning big business wheel severely impacted my credit score. Despite requests monthly to report accurately that payments have been made, their response was " that 's the way it is done at chase '' I have been unable to recover from the credit score horror chase bank has caused and have been severely punished in every other form of financial service needed, such as car loans, credit cards, etc. Paying exorbitant rates because of this credit score. Please help me fix this problem. Thank you.