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

Hi I am submitting this XXXX XXXX without 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. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 us 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 XXXX n  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX  on my credit report that I have no knowledge of. Amount is over XXXX . It does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged.

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.
Product: Credit card

I cant give you and exact date or original purchase price as Synchrony Bank will not show me my statements back that far. A little over XXXX years ago ( around XX/XX/XXXX ) I purchased a computer through XXXX XXXX XXXX photo using a promotion they were offering for 0 % interest through Synchrony Bank. The payments where set up automatically to what I assumed would be an amount to pay off the loan at the promotional 0 % interest rate. In XXXX of XXXX I was charged a {$1900.00} interest charge as well as a 29.9 % interest charge every month of this year. I believe this is deceptive and predatory as they advertise it as interest free so you go into the loan assuming it is set up to meet all the requirements that make it interest free. Instead, it's set up in such as way as that it drags out past the 0 % interest cut off point and they charge you for all of the interest up to that point ( {$1900.00} ). I would have had no problem paying whatever amount would have been needed to meet this cutoff point as that's what I assumed I was doing but now all of a sudden I owe more than the original amount of the loan after paying for over XXXX years.
Product: Credit reporting or other personal consumer reports

Student Loans were forgiven through the Public Service Loan Forgiveness.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Complaint against First Credit Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Credit Services for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** First Credit Services has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that First Credit Services cease such practices immediately. 

4. **Failure to Provide Disclosures : ** First Credit Services has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by First Credit Services , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between First Credit Services and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of First Credit Services. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

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

TEK Collect Inc is reporting someone else 's info on my credit. Upon reaching out to TEK collect they informed me that someone received emergency room services under my social. They provided me the person 's name but I dont have any affililation with this individual. This is a fraudulent account for which I shoudnt be held liable. Please remove this collection from my credit
Product: Debt collection

The following account is not my account and I have no knowledge of this account or the primary company they say to be collecting on behalf of. I have called and tried to verify the debt by phone and mail and have gone more than 30 days without a response. Please have Jefferson Capital System XXXX removed and permanently deleted as I have no knowledge or responsibility for this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of 15 USC 6802 B. XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.
Product: Debt collection

XXXX collected {$2500.00} from me on XX/XX/XXXX for a settlement on a credit card debit. On XX/XX/XXXX ARA another collection agency attempted to collect on the same debit for twice the money. I informed them that this account was paid and they insisted that it was n't and were going to take me to court to get there money. I have a letter and my XX/XX/XXXX Bank statement indicating XXXX received the money. ARA claims the account is still open and is still owed money.I cant get hold of anyone from XXXX, and assume they are out of business or it was a scam all along.
Product: Debt collection

The name of company is FedChecks Recovery. They use masked phone numbers in order to bypass my phones blocking system. Theyll call me at XXXX in the morning and I work overnights so Im in bed at XXXX. They will call me everyday with a new phone number.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX and Experian to verify and update my account. I asked them to reinvestigate the completeness and accuracy of the accounts on my credit report I got my investigation back and I noticed they didn't update or modify my account according to 15 usc 1681i 5 that's a violation of multiple laws. Remove this account from my credit report. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. On XX/XX/2023, I sent a letter to XXXX, and On XX/XX/2023, I sent the same letter to TransUnion to validate the information with the Original Creditor. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' I received my XXXX report, and a bankruptcy was not listed on my file. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation, according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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, credit repair services, or other personal consumer reports

I need to file a complaint on Experian I have asked them to Investigate Errors On my credit file in which they failed to I pay for Experian credit monitoring these accounts are not reporting correctly I asked Experian to remove these account ASAP XXXX XXXX XXXX No account number attached. also a charged off showing that is a violation of the FCRA but they claim they have verified the account. I asked that this account be remove from my credit file today I will also need to see Physical proof of their investigation as Follows Who they talked when they talked to them employee Id number what Documents did you send them what Documents that they send you also any credit App with my names attached and Signed and dated if you can't or won't send the Physcial documents delete asap Please reframe from using XXXX XXXX as I need Physical Proof I will not ask again for Physical Proof again Next step with be legal actions see file from your website!
Product: Credit reporting or other personal consumer reports

I asked for a credit report cause I wanted to know my credit score while looking at the information provided I told them the XXXX on my credit for XXXX XXXX XXXX was not mine and they said I collect the money in full when I did not I literally had just got apartment with my roommate in XXXX  at the time they said this transaction happened and I can show proof I never received the money and on top of it there two address that aren't mine either one dated back XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS NOT MINE I MOVED FROM XXXX XXXX XXXX XXXXXXXX IN WITH MY MOM AT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. AND ON TOP OF IT ALL ON XX/XX/XXXX it states that I moved to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX when I never did I moved from XXXX  to XXXX XXXX  XXXX I still use my XXXX license and I'm still having people try stealing my money and information and I'm getting XXXX cause I'm XXXX and I can't afford a lawyer to get all this fixed and all these people are ruining my life and my credit
Product: Money transfer, virtual currency, or money service

Cashapp username $ XXXX scammed me of XXXX dollars all I know is her bank which is XXXX  XXXX XXXX and her last 4 of her debit card which is XXXX and her XX/XX/XXXXXXXX. I also lost XXXX to a fake cashapp representative who hacked my phone and stole XXXX from my XXXX XXXX  XXXX account through the app XX/XX/XXXX. All I know is this person 's phone number and email XXXX XXXX
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt or credit management

This morning XX/XX/2024, I asked ClearONe Advantage to send the cancelation of their " debt relief '' services documentation and they said they can't give me that information until I send {$510.00} to them. I stopped payment for {$310.00} and had my bank reverse the last ACH payment to. Their service fees are exorbitant ( {$270.00} ) and they only settled XXXX out of XXXX accounts and asking me for an additional {$70.00} a month just to settle XXXX of those accounts with only one creditor ( XXXX ), They apparently switched me to some other party that debits my
Product: Credit reporting or other personal consumer reports

Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when DOGE, a third-party vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence.

In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm.

I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting

Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.
Product: Credit reporting

I disputed inquiries that were not made by me however i have not heard back from equifax
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FRCA income can not be reported on credit reported on a credit report. I received a 1099-c ( Cancellation of debt ) for the following charge off accounts listed below. ( XXXX : XXXX ... .. XXXX ). After checking my current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and deleting this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent unauthorized inquiry as a result of identity theft is reporting to my personal credit report. On XX/XX/2021 XXXX XXXX
Product: Debt collection

I have repeadedly asked Portfolio Recoveries to stop calling me on my cell phone number and to stop contacting me by phone altogether. I've requested it over the phone and I've also requested it in writing numerous times. This is a blatant violation of the TCPA and this company isn't held accountable for breaking the law. They have called me over 40 times since I requested they stop calling and it's from an automated system. 

I've also disputed and requested validation on the debt they claim I owe, they have failed to show proof and comply with the FDCPA. 

Written Requests to Stop Calling : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calls have not stopped and they call from different numbers to try and trick you and tie up my work phone so I'm not able to work ... 

Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + about 20 different numbers. All listed as Portfolio Recovery Associates I'm also on the Federal Do Not Call List!
Product: Student loan

My account was repeatedly reported late while I was still in school and my loans were on deferment. My credit report reflects late payments.
Product: Vehicle loan or lease

We excercised our right as a XXXX family to reduce a APR of 27 % on my vehicle loan. We were denied even after submitting orders my husband was on during the time I had applied for the auto loan. Til date I havent been given written notification saying I am not eligible as a milospouse. Initially via telephone call I was told I didnt qualify as my husbands name wasnt on my auto loan. But he couldnt co sign cos of a bad credit history. XXXX XXXX  approved my loan on a. 27 % interest rate which I can not afford to pay. As a result we now can not afford to live day to day but need the vehicle for daily commute. The person name XXXX XXXX at XXXX XXXX has been extremely defiant in terms of helping us in accordance with the SCERA laws and reducing to atleast 6 %. The initial email was sent XX/XX/2023, he had made us wait 45 day ( according to his wait times ) and still hasnt given us written notice that we were not eligible for this reduction despite sending proof of my husbands XXXX XXXX orders during and around the time we purchased the vehicle. He is XXXX but he was on XXXX XXXX orders. XXXX XXXX ( Director of compliance ) has been extremely uncooperative in terms of adhering to SCERA laws and is looking for anything to not reduce the 27 %. It is sad that XXXX members have to suffer these circumstances and cruel treatment. To date he has not contacted us beside my husbands call to him requesting feedback to which he said we didnt qualifying. I just want to clarify that we dont and/or if we do can this please be reported and assist us in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 


In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).