23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had filed for bankruptcy back in  XXXX  of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around  2,200 doll ars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
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 XXXXXXXX, 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: Prepaid card

I have tried several times to use this American Express prepaid card online as it is an egift card. Every time I attempt to use it, payment gets rejected. Yesterday, XX/XX/2023 I attempted to purchase from XXXX XXXX  through XXXX but it was rejected. I was charged a XXXX fee but the order would not go through. I also attempted to load {$10.00} to my XXXX app, but that also was declined. These companies say they accept American Express, so I don't understand why it keeps getting declined.
Product: Mortgage

loan was forbearance since pandemic started, when my forbearance ended I contacted Shellpoint for whats the next step. We agreed that they will add amount I didnt pay back of the loan and start my new payment XX/XX/2021. They advise me to wait all documents they will mail to me once I receive them I should sign and notarized, mail bank to them and start first payment XX/XX/2021. I did all those things as they instructed me to do so. 
All the sudden I got Alert from XXXX indicating that shellpoint reported late payments in my credit report. 
I have been calling and emailing to shellpoint no one is willing to help me. 
Thats why I am doing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXXXXXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Product: Credit reporting 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 XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According 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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorize inquiries on my credit report that XXXX  refuse to investigate properly. I did not authorize these companies to pull my credit iinformation
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 
1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX - XXXX XXXX XXXX  - XXXX Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX - 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 This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been contacted several times and I have put in several disputes of the inaccurate information reporting in my public records a dismissed XXXX XXXX bankruptcy from XXXX Transunion never verified this information they just keep coming back stating it was verified and they are failing to do so court gave me a copy of document 41 that clearly states the bankruptcy from XXXX  was dismissed and not added to the record I just want transunion to report the correct information it was a XXXX XXXX bankruptcy that was dismissed. Transunion has the documentation but they are failing to update my public record and Transunion is the only credit bureau that is refusing to fix their error.
Product: Debt collection

According to the fair credit reporting act FCRA section 605B it is illegal to report information on my credit report without my permission. I am a victim of identity theft. Please remove this item from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.ZERO OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Product: Credit card or prepaid card

I have a Us bank reliacard for my child support and I received a payment from child support and paid my rent that was XXXX and I had got XXXX out of the ATM on XX/XX/2020 and right after that they locked my card. So when I call to try to correct the issue I get no response I just get put on hold for like 2 hrs then I get hung up on and this will happen 2 or 3 times a day can somebody please help me fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, TransUnion, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Product: Mortgage

We were behind in our house payments by about {$9400.00}. We took advantage of the XXXX  program in the fall of XXXX, that President Obama had just started. The XXXX program assists in getting you caught up to current. Then they assist you with a monthly amount for 3 years. After that you are to stay current with your payments for 5 years, and then the loan is forgiven and you get the lien release. Because of unemployment, in the summer of XXXX, we got behind by 3 months. The XXXX allows for a 2 month skip. HUD wants us to pay back the full amount of {$32000.00}. The break down assessment that HUD sent us showed the 3 years of monthly assistance, and the amount that our lender, TCF Bank  charged. I do not have an issue with paying back the monthly amounts of assistance, but there is a {$22000.00} amount form the lender that does not have break down. I have been in contact with HUD, but they have bot been able to get any answers fro TCF. I also have tried contacting TCF and their response to me was that their records have been deleted because of the length of time since we started the XXXX   program. I am not sure why HUD does not have that {$22000.00} break down. We would like to take advantage of the current low rates, but can not until this is resolved.
Product: Credit reporting or other personal consumer reports

These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Experian is violating FCRA 605C by delaying the process of blocking information within 4 business days. Experian is also violating the requests of consumers who have authorized XXXX XXXX XXXX as their point of contact and as their representative. 

The Bureau is revising the text of the rule in 1022.142 ( b ) ( 6 ) ( ii ) to specifically provide that the documentation, which may consist of a statement prepared by the consumer, identifying adverse items of information may also be prepared by a designated representative on behalf of the consumer.

The Bureau notes this approach will reinforce the need for consumer reporting agencies to accept trafficking documentation, as required under 1022.142 ( d ) ( 1 ), from third parties identified as assisting with or acting on behalf of the consumer The Bureau also understands some consumers who are victims of trafficking may prefer to provide the physical or email address contact information of the consumer 's designated representative instead of the consumer 's contact information. Accordingly, consumer reporting agencies must use the preferred method of contact identified by consumer pursuant to 1022.142 ( b ) ( 6 ) ( ii ) for communications under 1022.142 ( d ) through ( f ) even if the preferred contact is the consumer 's designated representative and not the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, these incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Vehicle loan or lease

I woke up this morning and my car was removed without noting and with a processed payment. One the car was taken from a location not on the pin levaung me and my daughter stranded. I was not notified if a repossession. No notice was given. I received and email in XXXX and since then have made a payment.
Product: Credit reporting or other personal consumer reports

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt because I have never done business with your company. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach the following documents : Agreement that you have authority to collect this alleged debt Assignment contract that bears signature of the alleged debtor with promises to pay the original creditor XXXX payment history on this account, to prove that the amount you wish to collect is correct
Product: Debt collection

This company is sending me false documents. The letters have the exact contact information and pretty much the same letter but they changed name to original creditor on the NOTICE of INTENT. Also, they stating I have not dispute and I have confirmation that they did receive my disputing letter. I also called XXXX XXXX XXXX and they are unaware of this letter. If these accounts is not deleted IMMEDIATELY from all XXXX credit bureaus, I will file a lawsuit! 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Mortgage

My wife and I re mortgaged our home with Citibank in XXXX. After I came home from my third XXXX my wife said she wanted a divorce, this was XXXX. That 's when my financial problems started maybe XXXX MIXED WITH DIVORCE I DONT KNOW. I found my self behind in my payments it is my fault my responsibility. Any way forward to XXXX still in financial problems, now with my Citibank Mortgage I saved my home first time in XXXX XXXX. Divorce finalized same year I was trying to save marriage and home, could n't save my marriage and home was in arrears again she did not want to help pay for home or at least aportion of it. I turned a hardship request to Citibank for mortgage assistance around XXXX XXXX. Request was accepted and I started to turn in all required documents they needed, after turning in documents I was told all foreclosure proceedings would be stopped, but a local firm on XXXX sent me a letter stating house would be sold at auction first time XXXX XXXX, XXXX. Due to foreclosure all the while the loan modification was still in progress. Two more times the sale of my home was set and changed, finally the date was set for XXXX XXXX, XXXX. I was told via e- mail on the XXXX of XXXX that I needed to turn in a few more documents this just 5 days out from sale of my home. I called trying in to speak to my assigned mortgage specialist several times an appointment was even made for him to call me back once. XXXX is a day ahead of the STATES and about 8 hours ahead of XXXX. I was told that on that same day XXXX XXXX that a letter was sent to me via postal services that my loan modification request was denied. It the letter still has n't arrived on XXXX yet today is the XXXX of XXXX my home goes on sale at auction at XXXX XXXX XXXX. After roughly five months of waiting for assistance from Citibank I did not get any help and was told that if I had turned the request in earlier I probably would of had a better chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents and start an investigation on these accounts as they are reporting me as late even when I'm never late.
Product: Debt collection

This company is a third party debt buyer that purchased " Uncollectable Debt ''. The originator, XXXXXXXX XXXX XXXX, violated the TCPA and fair debt collection practices, and was sent a demand for validation of debt. The originator, XXXXXXXX XXXX XXXXXXXX, failed to validate the debt in a timely manner and pursuant to Federal laws and regulations, the became No Longer allowed to collect, report, or bring litigation as a result of their own failure 's. The third party collector or debt purchaser has obtained " uncollectable debt '' as a result of the originators failures, and does NOT become collectable just because it is is new hands. 

I Demand that any and all derogatory information be removed from my trade lines immediately as the collector has NO legal grounds to report or collect any debt from myself. I intend to bring litigation against both collector and originator if the matter is not resolved in accordance of Federal Laws and regulations regarding a creditors failure to validate a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2018, while on a XXXX XXXX flight, an attendant announce to passengers that we could take advantage of getting more miles by applying for a credit card account. When several passengers questions this, the flight attendants told ALL of us that if we didn't want the card, please tell Bank of America when they called. As I return to my origin, I check my credit report and score and noticed boa already pulled my credit report. I did not want a credit card and called BOA and explained this. I shared with them this was a deceptive practices and this is how they got in trouble not to long ago. The personal assured me they would remove this inquiry. It has been over 30 days and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit inquiry made by Credco on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX without my authorization. I financed through XXXX XXXX back in the summer of XXXX no longer had procession of the car at the time the inquiry was made. using my information to run a credit check almost 2.5 years after dealing with this company is not acceptable and shows bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE and XXXX with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.