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

I am writing to formally file a complaint regarding a dispute I initiated with Equifax concerning inaccurate information associated with several accounts on my credit report. Despite my efforts, Equifax has failed to follow up on the investigation, and no corrective actions have been taken. I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Equifax, accusing the company of accepting unreliable information and failing to notify consumers of the results of disputes. This situation directly aligns with my experience, as Equifax has made no attempt to remove or correct the inaccurate information over the course of several years. As this derogatory mark is negatively impacting my ability to obtain a mortgage for a new home, I am requesting that it be either corrected or removed immediately. Equifax 's failure to address this issue violates my rights under both Georgia state law and federal consumer protection laws. Thank you for your prompt attention to this matter.
Product: Student loan

I received an letter in the mail on XX/XX/2018 from the FTC about a lawsuit against Ameritech Financial. The company is a fraud. 
Ameritech has been withdrawing around {$200.00} on the XXXX of every month for the past for few months. I'm uncertain of how long, I have lost track, but it has only been since XX/XX/2018. 

I called Ameritech today ( XX/XX/2018 ) to cancel my subscription and rquest my money back. I was told that because the lawsuit has only been filed, and that it hasn't been ruled on by a judge, that they can not issue me or anyone else a refund. Ameritech did claim to cancel my subscription. 

I contacted my credit union today ( XX/XX/2018 ) to make sure that Ameritech can no longer withdraw money from my account once a month. If they continue to do so this week, I'm having my credit union dispute Ameritech.
Product: Money transfer, virtual currency, or money service

I purchased some item using the PayPal thinking that it will be safe form of payment since it provides protection for the buyer. However, when a problem occurred, PayPal did not fulfill its promise to cover the loss when item was not delivered. I filed the dispute and they denied my claim without properly investigating the incident. Case ID is XXXX. I have not received any valid tracking information or whatsoever and I did not receive the item. Therefore, I'm entitled to my money back!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, a form of XXXX XXXX where I was forced to incur debts under coercive conditions. This has resulted in multiple derogatory accounts on my credit report. I am currently working with a representative from the XXXX XXXX, an organization dedicated to assisting survivors of XXXX XXXX. We are utilizing the protections provided under Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove adverse information stemming from XXXX experiences when an official claim is submitted
Product: Credit card

On XXXX/XXXX/2015 I called Macy 's customer service line to report that as of this day I had not yet received my new Macy 's card. I was told by " XXXX '' that it takes 7 to 10 business days for the card to be received, which at this point was beyond the expected dates. XXXX proceeded to ask my home address to verify they had the correct address and she informed me that they did. She informed me she would have to report my card lost/stolen which is what I expected be done since I did not have the card in my possession. XXXX asked for my mothers maiden name and I provided that information thinking that I was asked that information when I initially applied for the card, however, when she asked my place of birth, I refused to provide that information because I was sure that I had not provided that information and I had already answered all the questions that pertained to my identity initially. As this point XXXX reported that she was not going to be able to proceed with reporting the card lost/stolen because I refused to answer where I was born. I asked to speak to a Supervisor. The Supervisors, whose name I did not get, told me that XXXX had talked to her about the situation. I explained to the supervisor that I have already had a past experience with fraudulent activity using my credit information and I was not going to provide them with information that they did not request for initially when I applied for the card. The supervisor told me that she could not " override the system '' and would not be processing the card as lost/stolen. The supervisor admitted that my mothers maiden name was not requested initially as was not my place of birth. I asked how she would know that I was giving her the correct information then and she responded " we trust you. '' I told her I did not trust her and that was why I was not giving her information they did not have to begin with. I told her the logic that they are using to report the card lost/stolen did not make sense and I refused to give her the information. Hence, she told me she was not going to file the card as lost/stolen then because I refused to provide them with my place of birth which I told her was " none of her business. '' I am concerned that if this card is found or has been delivered to the wrong address and it is used, I will have to go through all the steps to ensure that I did not use this and this I know can take months or longer and I am not willing to allow that to happen. Furthermore, since I have not received a credit card, I do not have any information about their policies when reporting a lost/stolen card. I have a bill that does not provide information regarding how to handle this type of situation either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2020 I sold a home and the mortgage secured by the property was paid in full by XXXX XXXX, 2020. The lender is XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX. The mortgage note was for {$340000.00}. The lender removed the mortgage from my credit report on XXXX XXXX, 2020, which was correct. On XXXX XXXX, 2020 the lender added the mortgage back to my credit report which is not accurate ; I called them and to dispute this and they removed it again from my credit report within 24 hours. On XXXX XXXX, 2020, the lender added the debt, again, to my credit report. I attempted to contact them to correct this situation and it has not been resolved. 

I want them to stop adding this to my credit report.
Product: Debt collection

Affirm has contacted me 10 times since XX/XX/2023 mainly from carrier-verified phone numbers. I am submitting this complaint on XX/XX/. I only have one open account with them, so they have called me 10 times about the same exact thing. Here 's the breakdown of when they've called me : Friday, XX/XX/XXXX  - XXXX from XXXX - XXXX from XXXX - XXXX from XXXX Saturday, XX/XX/XXXX  - XXXX from XXXX - XXXX from XXXX Monday, XXXX XXXX XXXX  XXXX XXXXXXXX from XXXX - XXXX from XXXX Tuesday, XX/XX/ - XXXX from XXXX Wednesday, XX/XX/XXXX  - XXXX from XXXX - XXXX from what showed up as " XXXX, '' this one was not carrier-verified, but I answered and they admitted they were calling from Affirm. 

At this point, this feels like harassment. This is a predatory and abusive debt-collection tactic. The FTC law states that debt collectors cant call you more than seven times within a seven-day period to try to reach you about a particular debt. Then, once you talk to them, they cant call you again within seven days of that conversation. Here is a link to the FTC 's website about debt-collection practices : https : //consumer.ftc.gov/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the following accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update these erroneous accounts. A written confirmation of its correction would be greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies MIDLAND CREDIT MANAGEMENT INC Account NumbeXXXX 15 U.S.C 168 s-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, credit repair services, or other personal consumer reports

Investigation was not completed. Asking a business if a person owes them money is not sufficient. The bureau is reporting inaccurate information if there is no proof I owe this debt and they did not provide this proof. XXXX is the item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXXXXXX  regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite my previous attempts to resolve this issue directly with Applied Bank, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. Applied Bank must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX XXXX XXXX of social : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to CIC CREDIT about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 
As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from JCPenney ( JCP ) reducing my credit limit from {$500.00} to {$100.00}. Because I had never been late on any payment or asked for an increase in the credit limit, I was surprised. According to the JCP representative, XXXX XXXX listed delinquencies, which cause the change. As a result, my credit score was reduced. 

The information reported by XXXX XXXX was incorrect. I want this form of credit discrimination and injustice reported and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I do not recognize nor have I authorized these inquiries. I have a fraud alert on my credit profile and the above listed inquiries should not have been generated without contact and permission form me first. 

Please have experian delete these from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
Product: Student loan

On  XXXX   XXXX ,   XXXX  , I consolidated all my student loans held with various lenders through   XXXX    XXXX   XXXX   XXXX   (   XXXX   ) .  XXXX  of these loans were originated with  Citi Student l oan in the amounts or {$2800.00} and {$4500.00}. On the date of refinancing, the Citi student loans had balances of {$2000.00}.  XXXX  and {$3300.00}.    XXXX  disbursed payments in full to Citi Bank on  XXXX   XXXX ,  2017. I  received copies of the cancelled checks showing that Citi Bank deposited the check for {$2000.00} on  XXXX   XXXX ,    2017 and  the check for {$3300.00} on  XXXX   XXXX ,  2017.    At the beginning of  XXXX , I started receiving letters and e-mails from  Citi Student loan say that  my loan with a balance of {$3300.00} had been transferred to  XXXX   XXXX  for loan servicing. I tried contacting  Citi Student loa n, but that contact no longer worked since Citi ceased servicing of all student loans. I contacted  XXXX  to inform them that both loans were paid in full. I also contacted  XXXX , who confirmed that the payments were indeed made to Citi Bank.   I received copies of the cancelled checks from  XXXX  on  XXXX   XXXX  and promptly e-mailed the cancelled checks to  XXXX  customer service at  XXXX  XXXX  XXXX , as instructed by a  XXXX  supervisor. However, I continue to receive harassing phone calls about a delinquent loan from  XXXX . I received a letter from  Citi Student lo an on  XXXX   XXXX  saying that my loans were paid in full, and I immediately forwarded that letter to  XXXX  on the same day.   Today I received a letter from  XXXX  saying that they checked with  Citi and  the loan balance of {$3300.00} was not paid. I immediately called  XXXX , who initially claimed that they did not receive my e-mail with copies of the cancelled checks showing full payment to Citi.   I spoke for over a half over from  XXXX  central to  XXXX  central with  XXXX  customer representative  XXXX  ID  XXXX   XXXX . After repeated request,  XXXX  team lead  XXXX   ( I D not given ) confirmed receiving both the  XXXX   XXXX  email with the cancelled checks and the  XXXX   XXXX  email with Citis letter confirming payment. Yet,  XXXX  refuses to close my account.
Product: Credit card

On XX/XX/, my car was broken into and they stole my wallet with all my credit cards ( including macy 's ) and identification. Please refer to the police report : XXXX. 

Since my identification was stolen with my credit cards, they thief walked into Macys and purchased {$800.00} of stuff without my permission, which is still showing on my credit report. 

I tried to work with Macy 's by providing the police report information to them and they still kept the charges on my account and credit. I disputed this charge with XXXX 3 times and same results. Therefore, I contacted XXXX prepaid legal as this is a case of stolen identity in which I am being held legally responsible for, which is incorrect and needs to be rectify immediately. This charge is damaging my credit report and opportunities to use credit. Since Macy 's didn't believe me and continued to keep the charge on my account, I requested the credit card be closed immediately. 

I refuse to do business with any company that holds you responsible for something you didn't do. It's not good business by far. 

Identification theft is a nightmare and when you have companies like Macys who only care about the money not the customer. I prefer not to spend a XXXX investing in there company.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$7100.00} XXXX XXXX  XXXX Balance : {$7900.00} XXXX  XXXX Balance : {$4700.00}
Product: Credit reporting or other personal consumer reports

I requested my information be updated through a dispute letter through mail, but no results were received. Due to these errors, my account is inaccurate, and I request it be updated immediately.

Under FCRA Section 611, I have the right to dispute inaccurate information and expect the credit bureau ( s ) to conduct a reasonable investigation within 30 days. However, Equifax has failed to fulfill this obligation, thereby infringing upon my rights as a consumer.
Product: Debt or credit management

I didnt see any improvement in my debt or credit score everything is still the same and no one was reaching out to me about my debt or options to remove anything off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.
Product: Credit card or prepaid card

I received a replacement card for my Visa card which doesnt expire until 2015 and it was a MasterCard not a Visa. 
I called Capital One on XX/XX/XXXX and was told I needed to close my Visa account because I havent been using it at stores where Capital One makes money. I said I need Visa in order to shop at XXXX. The man repeated his statement. 
I have not activated the unsolicited card and I have continued to use my Visa card and will continue to do so until it expires. Thank you, XXXX XXXX
Product: Debt collection

Portfolio collection is trying to pull a fast one by putting false information into the credit beauru and continuously verifying it. 
Under the truth and lending act rule 632 you must obtain a judgement or provide proof by documentation that you are owed a debt. Also the FDCA states if a debt is disputed by writing it must clearly state the debt is disputed in it report. I do not owe this debt and am asking for documents showing agreement, commitment, balance, and signature. They refuse to provide. This is the first step before litigation in a full tort claim against this diabolical act.
Product: Money transfer, virtual currency, or money service

XXXX This email is associated with a scammer selling items online then not following thru with sending items purchased thru paypal services paypal doesnt cover all transactions when sent certain ways and that how the purchase cant be canceled and money refunded
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account NamXXXX XXXX XXXX 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