23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I enrolled in Ameritech Financial in XXXX of 2017 and started immediately paying {$230.00} a month for them to assist me with my school loans. ( 10 months of payments ) Ameritech Financial led me to believe that they were assisting me with my school debt and that they would be acting in my best interest. None of the money that I have paid to them has gone towards the amount of my student loan. I have not seen any benefits from their services, absolutely NONE.. 
I called the Department of Education and they stated that they have never heard of this company and my arrangement with them was not notated on my account. 
I have called them to get confirmation on this matter, but I am told due to high volume calls they will get back with me within 24 hours. JOKE on me. 
I emailed the company and requested that they would not deduct the next payment from my account without clarification of their services. 
They prey upon the desperate people who already can not afford the high student loan repayments.. So sad
Product: Credit reporting or other personal consumer reports

I had files a complaint regarding XXXX  XXXX XXXX and received a letter from XXXX  XXXX informing me that the late payment charges had been removed and my account was in good standing. XXXX  XXXX XXXX also directed me to contact the CRA if my account status was not corrected. Experian is still showing my account delinquent and I tried, unsuccessfully, to have this corrected. I sent Experian a copy of the letter I received from XXXX  XXXX XXXX but they refused to accept this. My XXXX and XXXX credit reports show the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent in a request to have items I believed to be fraudulent removed from my Equifax credit report. All inquiries that extend from XX/XX/2020 through XX/XX/2020. Since I had not seen any activity, I am filing this complain so that I can have this issue addressed with the urgency and sensitivity it deserves. Being a XXXX Veteran on a fixed income, during a pandemic has been a struggle to say the least. But to add insult to injury I am also one of the millions of affect Texans affected by the snowstorm last month. I only want to see that this issue is resolved so that I can focus on other pressing issues dealing with the transitioning state of my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm thinking I'm the only person with three credit profiles first credit profiles ( XXXX ) ( XXXX ) ( XXXX ) and was set up my EXECUTOR and ADMINISTRATORS us government and FDIC XXXX XXXX so I FIRED the bankers I have perfect credit on all but one when the ex-wife broken into my house i file a police report with XXXX XXXX XXXX police department On file if needed
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX Bank regarding the account ending in XXXX. This account is being reported inaccurately and despite over XXXX months of disputes with the credit reporting agencies, no valid documentation has been provided to substantiate the debt. 

Issues and Inaccuracies : Inconsistent Balance and Limit Reporting : The reported balance is {$6600.00}, but the account is marked as closed and charged off. 
The high balance and credit limit are inconsistent across bureaus : XXXX and XXXX report a credit limit of {$5600.00}. 
Equifax lists a credit limit of {$0.00}. 
Discrepant Payment and Charge-Off Information : The dates of the last payment, charge-off status, and account activity vary significantly between the bureaus. This inconsistency indicates poor record-keeping and reporting failures. 
Failure to Provide XXXX : Despite multiple disputes, XXXX Bank has failed to supply any valid documentation or proof to substantiate this debt. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which requires all reported information to be accurate, verifiable, and timely.
Product: Credit reporting or other personal consumer reports

I am writing to contest the erroneous reporting of fraudulent accounts on my credit report, which constitutes a clear breach of legal standards. Upon contacting the relevant financial institutions, it was confirmed that an error had indeed occurred. Additionally, these institutions assured me over the phone that the accounts would be promptly removed. Furthermore, XXXX and XXXX no longer report these accounts following my submission of the requisite FTC report. I am keen to understand the method of verification and investigation employed by your bureau to justify the continued reporting of these accounts. Your bureau is legally mandated to conduct a reasonable investigation of disputes. This investigation must be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a collection account reported by XXXX XXXX XXXX XXXX concerning an alleged debt tied to an apartment lease at XXXX XXXX XXXX # XXXX, XXXX, TX, which was vacated on lease termination in XX/XX/year>. The account in question was opened on XX/XX/year>, which XXXX XXXX XXXX asserts is still owing. However, no outstanding balance was due at lease termination, and all financial obligations were fully met. 

Additionally, the property management, XXXX  XXXX, failed to address significant maintenance issues despite repeated reports, including a severe cricket infestation, which they neglected to resolve, constituting a breach of the lease terms. Moreover, there was an unauthorized release of my personal information by XXXX  XXXX to third parties without my consent, further breaching our agreement. 

Despite providing evidence of these facts and formally requesting XXXX XXXX XXXX XXXX and XXXX  XXXX to cease collection efforts and correct the record, they have continued to pursue this invalid debt and have reported it to credit bureaus, negatively impacting my credit score. 

I have taken the following actions : Sent multiple communications to XXXX XXXX XXXX XXXX and XXXX  XXXX, detailing the reasons the debt is disputed and requesting cessation of collection efforts. 
Requested the removal of any negative information related to this disputed debt from my credit reports. 
This unresolved issue has led to unnecessary stress and potential financial harm due to the impact on my credit score. I seek immediate intervention to have this matter corrected and the erroneous entries removed from my credit records.
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 XXXXXXXX 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. 


XXXX XXXX XXXX  XXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXL XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX To whom it XXXX concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is again XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX The correct employers is XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Debt collection

After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with Express. This debt has been purchased by XXXX XXXX XXXX. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has refused to erase a credit file that isn't mine. All other bureaus has erased this fraudulent credit file on my report but XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered XXXX XXXX XXXX XXXX XXXX for {$660.00} and {$690.00} had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This has been open for a few years now after they took me by ambulance after a car accident and I have tried telling them numerous times that I had health insurance. I have never been billed for that hospital stay or 2 ambulance rides I 've had since then. Because I HAVE health insurance, I HAD it then too. This keeps dropping my credit as they reinsert it without notification or answers. My car accident was i believe in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX denies my request for XXXX XXXX XXXX card because it inaccurately report wrong score status t o get card. XXXX XXXX CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. XXXX XXXX WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by XXXX XXXX which states I have fair credit but I was still denied
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and disappointment with the outcome of my first attempt to remove fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures, the fraudulent items persist, negatively affecting my creditworthiness and financial well-being. 

Upon discovering the fraudulent items on my credit report, I immediately took action by submitting a formal dispute and providing detailed documentation to support my claim. However, to my dismay, the fraudulent items remain unresolved, casting doubt on the accuracy and reliability of my credit report. 

The continued presence of these fraudulent items not only undermines the integrity of my credit profile but also poses a significant threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and vulnerable to further fraud. 

I demand immediate action to thoroughly investigate and rectify this situation by removing the fraudulent items from my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XX/XX/2017, Bank of America closed my checking account without providing any specific reasons. After contacting the bank, I found out that it was because I was depositing a check but the sender 's account didn't have sufficient funds. I contacted the bank several times trying to resolve the issue, however I have been told that the closure is indefinite and Bank of America will not be able to open my account again. I have been unable to open a checking account with other banks either. 

This is extremely frustrating because this was not my fault, the check was written by my employer and he didn't realise there were insufficient funds. His account was not affected but mine has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical XXXX. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have not giving this company any written consent to furnish any accounts on my credit report. This is a violation of my privacy rights and every account on my report is closed. My credit report is frozen with all credit reporting agencies. This company has committed a fraudulent act. 
I have no business or dealing with this company. 

Remove this account from my report.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I've tried repeatedly to address the unauthorized inquiries on my consumer report without success. These inquiries are completely unrelated to me and not my responsibility. They've caused me significant emotional and financial hardship. As an identity theft victim, I may need to resort to legal action if this isn't resolved properly. These false and fraudulent entries have prevented me from purchasing my ideal home and adequately providing for my family. The negative impact on my financial situation has been considerable. I've enclosed a copy of my previous letter to the Federal Trade Commission ( FTC ) explaining this issue and requesting resolution.
Product: Credit card

I have called Affirm several times stating that I did not make some of those purchases on my account. All the purchases that was made on my account I have paid in full. I have never used it again. They said that they were reached back out to me, which they have not yet reached out to me. Someone has made over {$3000.00} worth of purchases with Affirm using my information. I asked him to look into the investigation and I will send them proof of anything that they need, but that needs to be removed off my account. It does not need to affect my credit because I have not ordered anything from my phone. Also, they asked me do I know who probably did it and I said yes it probably was a friend or my sister or who knows Im not 100 % sure but my identity was stolen and I have everything on my credit and Affirm is one of them. I did not purchase {$3000.00} worth of stuff with the fire. I did not use my account to get anything from Affirm. I dont even know how these people got my login or anything to even transfer money or pay for anything with a fire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now