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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX  XXXX {$2100.00}, XXXX XXXX {$1800.00}, and XXXX XXXX  {$2100.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  XXXX  of Debt bondage and would like all listed accounts to be blocked and deleted, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX, TransUnion LLC ( XXXX ) XXXX XXXX XXXX ( XX/XX/year> )
Product: Credit card or prepaid card

I reserved a hotel stay on my citi card for hotel XXXX XXXX in XXXX XXXX, for the amount of {$1700.00} back in XX/XX/2020. The reservation was for XX/XX/2020. I reached out to the hotel and they promised a refund I have the emails that i provided to citi cards showing the hotel promising me a full refund. In XXXX the reservations department at the hotel stated they were not going to issue the refund because of the pandemic and they did not issue any credit either. Instead they ask that i go through my credit card which is what i did. Citi entered the first dispute incorrectly. They issued it as though i did not like the service and was claiming a refund. WHen in fact the country was shut down due to covid no one was able to fly in or out. I cancelled well within the time frame required. Citi then opened the correct dispute and i have been back and forth with it has been a year later dealing with Citi and there response was the case has been closed the merchant and their bank have declined to give me a refund. So i am out of {$1700.00} no resolution. I am reaching out for your help to get this matter resolved. I feel that they have given me the run around and have not helped me with a full refund. The pandemic was hard on everyone. It is no fault of mine that we were unable to travel. The airlines gave me a full refund. They understood that it was out of my control. Thank you for your help on this matter.
Product: Debt collection

This letter is dispute to a collection account from Portfolio Recovery Associates that has been in my credit files for several years. The Original acccount is from XXXX My problem is that this same collection item from Portfolio Recovery has been consistently re-reported to my credit file every few months since XXXX, as if to give the impression that this collection has JUST happened each time, most rexcently on XXXX/XXXX/XXXX. I know that collection agencies, specifically Portfolio Recovery does this re-reporting of the same account because new collections on a credit report causes a dramatic drop in your credit scores. I also know that this is a tactic that some collection agencies use to force customers to contact them. This new activity has been even more aggressive because this item has almost reached its date for removal from my credit fle. The problem is that this is a violation of the Fair Credit Reporting Act, and it is illegal. 
This collection account is scheduled to continue on record with XXXX until with XXXX XXXX until XXXX XXXX, and XXXX until XXXX XXXX. 
I have been meticulous in making sure that i resolve all issues that are resolvable to get my credit scores back up, however on this particular account every time i get into the XXXX ranges Portfolio Recovery re-reports this item for a XXXX point or more reduction in all my scores. This is not fair and the satatus has not changed
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. XXXXXXXX XXXX XXXX XXXXXXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, the ( Amazon Store Credit Card ), has violated my rights under Title 15 USC 1681, Section 602, which states I have the right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 also specifies that a consumer reporting agency can not furnish account information without my written instructions. Under 15 USC 1666b, the ( Amazon Store Credit Card ) may not categorize a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/23, I spoke with Amerihome Mortgage and they said they were mailing me a forbearance application which I never received. I called Amerihome back on XX/XX/23 to let them know I never received the application. They said they were going to mail it to me again. I have never received the forbearance application. I'm trying to prevent foreclosure on my elderly mother 's home while I figure out how to get her caught up on payments. I feel like Amerihome is not helping me in this situation.
Product: Checking or savings account

I made a transfer from my chase bank to capital one bank. XXXX flagged my transfer and I called capital one to let them know and I was told I couldn't cancel a transfer. The morning of XX/XX/year> I signed in my account to see if my direct deposit came through and saw that my account was restricted. I called them and they said they have have decided to end banking relations with me as i am a risk factor? and that the reminder of my funds would be sent to my external account. I have called several times about my funds and I keep getting the same answer saying they are investigating my case then will send my remaining funds through mail. As of today XX/XX/year> capital one still refuses to tell my when they will send my funds. They also lied to me and XXXX my account was closed and I couldn't withdraw or add funds to said account, but XX/XX/year> they accepted my payroll direct deposit and are still holding it.
Product: Checking or savings account

XXXX XXXX. I have tried to contact them on numerous occasions no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has dropped from XX/XX/2023 from XXXX to XXXX XX/XX/2023 without a balance and the only change was hard inquiries dropping off. In XXXX of 2023 my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, XXXX, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX ; XX/XX/2022, XXXX XXXX ; XX/XX/2022, EXPERIAN XXXX XXXX  ; XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX ; XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be removed from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should've alerted me prior to my credit being ran. I did not receive any alert before my credit was ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. Please investigate and remove these items ASAP.
Product: Debt collection

So I got a credit card about a year ago now and I was paying on it for a while and I just could n't afford to pay on it anymore and so it ended up going to collections without any type of warning or letter in the mail ... until one day I started getting calls from a local number so of course I answered it, they had told me that my credit card went into collections and I needed to pay them immediately. So I was terrified and said I would call him back and he said no it had to be taken care of today and that I just needed to put him on hold so I did and he then asks me how much money I could pay him I said maybe {$100.00} and he charged my account for {$160.00} I believe. And $ XXXX/2 weeks after that. He also said he would send me a reciept and never did. So after that I immediately was so angry I called my bank and canceled my card. After that was when the hate started. Calling me every day multiple times a day threatening me saying awful things. I kept all the voicemails. He never even said his company name nor was I ever sent anything in the mail!! I had no idea and now he said it 's going to an attorney and they will garnish my wages. That 's why I 'm coming to you guys
Product: Credit card or prepaid card

I have had a credit card with the Shell gasoline company for about five years ( maybe more - don't remember when I first got it ). I use it to purchase fuel for my car. This happens about once a month - more if I am on vacation. Every month, for the past 5 years, I have faithfully paid off the balance on this card. 

Now they have sent me a letter saying they are terminating my card. The reason seems to be that my credit score isn't high enough. I've never missed a payment on their card? Why am I being punished? 

The thing is, I have had some bad credit in the past. For the past two years I have been working diligently to repair my credit. It happens that my Shell card is the oldest credit account that I have. Having it terminated will be a major blow to my credit score, since it makes my credit age younger than it should be.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated XXXX as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter. 

Despite my efforts to resolve this matter directly with Transunion, the requested action to exclude this information from my credit report has not been completed. I believe that Transunion is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Transunion for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter datedXXXX as evidence of my efforts to resolve this issue directly with Transunion . 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from XXXX XXXX stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. XXXX XXXX failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want XXXX  XXXX to remove the hard inquiry from all 3 of the credit bureaus, ( Equifax, XXXX, XXXX ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Product: Debt collection

I am recieving a bill from a collection agency from XXXX in the amount of {$480.00}, this bill is because they say I didn't turn in my phone when I changed services I disputed this and got negative results. 
I did turn in that phone and being XXXX I never asked for a receipt. But I was not offered one at the time and thought it would be taken care of. 
I believe one of employees may have taken the phone because when I contacted XXXX they had no record of this. I don't know what to do. I don't want to pay this bill, it will be paying for something twice. What are my options
Product: Credit reporting or other personal consumer reports

I have attached a FTC Identity Theft Report outlining fraudulent accounts, that are currently listed on my credit report and file. XXXX XXXX with account number XXXX for the amount of {$12000.00}, and account number XXXX for {$27000.00} are fraudulent and are not my accounts. I contacted XXXX as well regarding this issue. I demand these transactions that were a result of identity theft be blocked and removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination. This request was not made in error I am competent in making this request. I did not receive any goods, services, or money in any of these transactions. 

Thank you for your prompt assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 



With that, my demands are as follows : You must promptly notify and credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 

Monetary compensation in the amount of {$1000.00}. 



While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look unreasonably be exposed to those routes.
Product: Mortgage

XX/XX/XXXX and XX/XX/XXXX I attempted to contact my servicer regarding my loss of income due to the impact of the Corona Virus -COVID-19. There are no servicing or assistance options via the servicer website and I have left ( 2 ) messages and requested a means of contact. The Web message specifically states to contact the bankruptcy department but does not provide any contact information. I waited on hold for 1:09:59 seconds to be connected to the bankruptcy department and the call was routed back to customer service who stated " well you didn't get bankruptcy this is customer service ''.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reviewed my Consumer credit report and noticed some accounts that are reporting inaccurate and i don't recognize. One being XXXX XXXX XXXX Account # XXXX and The other one being FlexPath Capital Account # XXXX. Both of these accounts are in direct violation 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ) of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting. Due to the lack of the credit reporting agency and furnisher abiding by the FCRA I'm facing possibly being relieved of my duties from the military. I will attach the accounts that's showing violations.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2017, I was the highest bidder on a property listed on XXXX. The property address is XXXX XXXX XXXX, XXXX, MD, XXXX. The house is titled to XXXX XXXX XXXX XXXX XXXX and was acquired through foreclosure on XXXX XXXX, 2017. I want to buy this house, but I have no confidence in the sellers ability or commitment to provide an insurable title due to a lien on the house. On XXXX XXXX, 2017, I entered into a contract for the purchase of the house. Per the contract, the seller is listed as XXXX XXXX XXXX, XXXX. The document processor, XXXX XXXX, is employed by AltiSource.com. My real estate agent is XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and the title company is XXXX XXXX, with XXXX XXXX as the title attorney. The contract specified the closing must take place by XXXX XXXX, 2017, or I would suffer a penalty. I obtained a loan commitment and was prepared to close on XXXX XXXX, 2017 and scheduled closing for XXXX XXXX, 2017 at XXXX XXXX The closing did not take place because the seller could not provide an insurable title because of the pre-existing lien stated above. The seller had been advised that there was a problem with the title by XXXX XXXX several days in advance of the closing. I was advised of the issue on XXXX XXXX, 2017. Attempts were made to resolve it up to the last minute. The original contract extended to XXXX XXXX, 2017, with one additional extension since that date. In total, there have been four closing dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now, XX/XX/XXXX. My interest rate commitment ended on XXXX XXXX, 2017. Ive had to pay {$48.00} per day to keep my interest rate lock in place. I want to know the steps, if they have taken any to this point, to resolve the lien. To this point, XXXX XXXX, the contact point for AltiSource, has provided my relator with no substantial updates. He has failed to give her a plan of action for how they are addressing the lien on the home. XXXX XXXX has also ignored requests from both XXXX XXXX and XXXX XXXX for additional points of contact and additional details. In the emails provided, XXXX XXXX responds to XXXX XXXX questions about how he and AltiSource are fixing the issue by asking if I want to void my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the  bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have  not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report. 

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to XXXX XXXX XXXX and Experian about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present in my credit report.