23daVinci/CFPB_Complaints huggingface dataset:
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. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}
Product: Debt collection

The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own. 

I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA. 

The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full. 

However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX. 

I moved homes this summer and now they have found me again!! 

I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ). 
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!! 
How is that possible? 

I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company. 

EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits. 

Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them. 

When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such. 

As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.
Product: Credit card

Discover 's collections representatives continue to deny my experiences, which I know to be true, recorded, and have a witness to. Discover lied many times about not charging off accounts during previous calls, leading me to pay {$9000.00} on a closed account, with an estimated {$11000.00} balance, based on these lies. Now, I find out I could have saved much more had Discover truthfully informed me of their settlement practices. Discover continues to harass me for the {$2100.00} balance without offering a manageable settlement. 

This debt results from Discover 's unethical practice of preying on XXXX XXXX, and Discover continues to show its lack of ethics by lying to consumers. 

Moreover, Discover erroneously reports my account 's closing date to credit bureaus, stating it as " XX/XX/XXXX, '' when it was closed in XXXX of XXXX. I have disputed this and it has still not been corrected. 

I have requested Discover correct my reporting and write off this account, forgiving the current balance. Discover consistently responds by saying the debt is valid and there are no settlement offers. In the most recent response, Discover denied all previous phone calls and information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them removed.
Product: Debt collection

I have paid over XXXX on my used car. i was late one month and asked for help. They were the worst people to work with. They were so disrespectful to the point I did not want the car no more due to their disrespect and unprofessional people so I surrendered my car to them. They started harassing not just myself but my co-workers as well. I asked them to email me to have history and they refuse. i even emailed a supervisor and he forward it to someone else and put " FYI-LOL '' which they forgot to delete before emailing me so i seen it. Not professional at all! I need help before i get written up at work for their distractions. Please let me know if i can do anything. They also faxed over a verification of position paper to our office with my signature that I did NOT sign and looks like it an auto copy.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit card

Received a CashApp card ( XX/XX/year> ) that I did not sign up for with instructions to create an account. Immediately called to figure out who signed up and how since I did not and have my credit report frozen. Have not received any information since. Just learned about the following XXXX XXXX XXXX  so decided to share my information.
Product: Debt collection

Portfolio Recovery calls me on average 3 times a day, sometimes outside of XXXX from a ton of different numbers. This was debt owed over 12 years ago and they continue to call me and send me letters
Product: Credit reporting or other personal consumer reports

My student loan records from XXXX, including payment ( credit ) history, was illegally shared with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and agents and/or subcontractors of XXXX. XXXX is not responding to inquiries regarding this matter.
Product: Credit reporting or other personal consumer reports

I am writing to explain the circumstances surrounding the delinquency on my XXXX XXXX XXXX  account. This issue arose due to unauthorized charges made on my account, which I promptly identified and disputed. Despite following the proper procedures to report these fraudulent transactions, my disputes were neither adequately addressed nor investigated by XXXX XXXX XXXX and XXXX XXXX. 

It is particularly concerning given the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which ordered XXXX and XXXX XXXX to pay over {$89.00} XXXX for failures related to their handling of XXXX XXXX accounts, including issues with dispute resolution. These systemic failures directly reflect the lack of action taken in my case and have contributed to the negative impact on my account status. 

I request that this delinquency be reconsidered in light of these factors, as it is a result of circumstances beyond my control and mishandling on the part of the card issuer. 

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 XXXX USC XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX Section 602 A. States I have the right to privacy. 

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

XXXX U.S.C.XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 card

I sent in XXXX payments to XXXX. XXXX of the payments arrived XXXX day late and I was charged {$30.00}. I paid through bill pay with my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have been a Citibank credit card holder for over 32 years and due to the latest bank crises in California I decided to open a checking account with Citibank to distribute my funds. I opened the account online and transferred {$9000.00} to the newly opened account using my bank account with XXXX XXXX that, by the way, has been on my Citibank credit card file for 32 years, it is the account that I use for autopay my Citibank credit card. shortly after, they cancelled the newly opened checking account and refused to refund the money stating that it may take 2 months to issue a refund for " security reasons ''.
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. When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX  Bankruptcy Date Filed : XX/XX/2017 Reference # : XXXX
Product: Credit card

Received an email stating I applied for a credit card with Chase bank. I do not bank with them. I attempted to contact Chase bank and was asked for my ssn. I contacted who I do bank with and was told it may just be a phish and only worry if a new charge shows up Im unaware of. I still am concerned and the capital one fraud check list led me to here.
Product: Credit reporting, credit repair services, or other personal consumer reports

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.
Product: Debt collection

I got an alert from XXXX XXXX stating I had owed a balance of XXXX to a collection agency. According to the information it was taken on XX/XX/XXXX, this was not me and should be reported as fraud. I only have one credit card and have never taken out any loans whatsoever.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  I reviewed my Equifax credit report and noticed an account that did not belong to me. I began by contacting Equifax by phone with their fraud department to alert them of this incorrect information and that my social security number was compromised during a data breach. They proceeded with telling me i had to submit a letter and FTC report. I went on the FTC website and filed my fraud report. I sent my letter and this FTC report to Equifax on XX/XX/. Following my letter the fraudulent account was not removed and all they told me it was verified, but they did not supply any type of proof to support this claim. I called the creditor directly and they do not have my address or correct name so how is it that this account belong to me. I do not recognize it and it does not relate to any transactions i have made or authorized. Accourding to the FCRA laws : Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ). FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts. FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting. Equifax is violating all of these laws and they should be held accountable for their inaccurate reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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. 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 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 im XXXX  now.with no help.
Product: Student loan

My student loan balance was transferred over from greats lakes to NELNET. I applied for the SAVE plan via the XXXX website on XX/XX/23 and noted that the application was marked completed on XX/XX/23. I checked NELNETs website on XX/XX/23 and my application was marked pending. 
On XX/XX/23, NELNETs website noted my SAVE repayment plan application was received on XX/XX/23 and to give them time to review my request. I attempted to call NELNET that Monday XX/XX/XXXX to inquire if additional documentation was needed but I was on hold for over 2 hours and unable to reach a representative. I checked NELNETs website again on XX/XX/23 and noticed that the received application date had changed from XXXX to XX/XX/XXXX ( I have a screenshot on my phone ). Once again I attempted to call someone at NELNET to inquire about the date change but as before, I was on hold for well past an hour and unable to reach anyone. 
I checked NELNETs website again today XX/XX/XXXX and the date of my SAVE application being received has changed again from XX/XX/XXXX to XX/XX/XXXX. 
Why does the date of receiving my application keep changing? Did they actually receive it? 
My repayment plan on their website still say extended repayment, thats the wrong plan all the while my interest keeps accruing. 
Does NELNET need supporting documentation for my application? Why is it so difficult to reach someone at their company? How do they expect me to make payments with such an archaic, inaccurate and unreliable system? I do not trust this agency to handle my student loans let alone access to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Product: Debt collection

I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven tha t   XXXX   XXXX   is  using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now   XXXX   XXXX   play a musical chair approach by seeing if another debt collector name d Allied Interstate, LLC wi ll try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jers ey. Allied Interstate, LLC is not  bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and Allied Interstate LLC has no authority from any federal agency to collect on behalf of the taxpayers of the United States. Allied Interstate LLC is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY ALLIED INTERSTATE LLC.   ALLIED INTERSTATE LLC IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES AC T 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST ALLIED INTERSTATE LLC ILLEGAL COLLECTION PRACTICES!!!   ALLIED INTERSTATE LLC MUST PURGE MY FILE PERMANENTLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, with a current fraud alert and FTC report on credit reports. I noticed I have 3 hard inquiries on my credit from a company I haven't contacted to pull my reports. I have not granted XXXX XXXX no access to do so. I am contacting you guys because I reached out to them about a fraud account and these inquiries and still haven't heard anything from them and its been more then 30 days. These inquiries and account is hindering my credit score and stoping me from purchasing a home because of what's being reported wrong. Below I will provide dates that inquires are reporting. 

XXXX XXXX XXXX XX/XX/2021 All are in the same year 3 '' hard pulls