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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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.. 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 this account 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I XXXX XXXX XXXX XXXX  XXXX ) have received several threatening phone calls on various occasions disrupting my peace and normal personal family obligations and responsibilities by continuously calling me threatening and harassing me about a 20 year old non eforceable debit that I'm not aware of entering into a contract that would obligate me to pay the debt that they verbally assert my indebtness without providing and contractual aggreements or promissory notes that the company states that I entered into for the purpose of an it education, yet when I request any documents, contracts or evidence to support that alleged material fact. After several requests for this evidence or proof of debt obligation I have yet to be provided with such only vague promised that as of today 's date has not been provided to even assertain that I in fact owe a debit they have the authority to collect on lawfully.i asked them to stop the treating calls and phishing for my personal identifies and private financial, employment, properties and current financial relationships with other financial companies that are in no way related or associated to this unverified or properly identified company without any authority to attempt to collect a debit that has yet to be proved that I'm in fact the correct debtor with the correct indebtness. Please formally file this complaint and investigate this matter to your fullest ability because I truly believe this is criminal fraudulent activity in furtherence of a criminal enterprise. 
The company harassing me identifies thereself as " FINANCIAL ASSET MANAGEMENT INC. '' Atempting to collect an debt for XXXX XXXX. I've been called and harassed by XXXX XXXX and XXXX XXXX claiming to be the supervisor while simultaneously attacking me via conference call with several other associates during the same phone calls. One phishing another harassing another falsely attempting to get me to agree to the unsubstantiated debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/XXXX, my application for Defense of Repayment on this loan from XXXX XXXX XXXX based on fraudulent misrepresentation was confirmed approved. 

Following the discharge, on XX/XX/XXXX, NELNET Student loan servicer sent a letter stating that I would be receiving my payments back in the total of {$5400.00}, I had received several paychecks from NELNET totaling only {$3100.00} and deposited them into my bank. After a few months of waiting on the remainder, I had reached out to NELNET over email asking what the delay in the rest of the payments was about and when I could expect to receive the rest. An agent responded with " I'll get back to you with an investigation '' and three months passed and I had not received a follow-up email. When I went into their email system to check my emails, they had erased the thread.

So following up over telephone, I called NELNET and they said that they " investigated themselves made a mistake '' and that I was only owed {$3100.00}. I asked for copies of all my payments ever made and they never sent anything and won't answer this complaint directly to me. They never sent a letter stating they made an error or stating an alternative amount.

The only document that contains information about my payments is the discharge letter, stating that my refund amount is {$5500.00} meanwhile the second page of the letter says I made {$10000.00}. None of the totals add up correctly, and I know I made $ XXXX in payments since XXXX. 

I had made serious life decisions based off that money that is rightfully owed to me and they have done everything they can to withhold what is rightfully mine, short of having to file a lawsuit. This fraudulent activity by NELNET Federal Student Loan Servicer has caused me significant financial injury and I want my payments returned to me. I need this complaint on record for use in court if they continue to assert they don't owe me my student loans.
Product: Payday loan, title loan, personal loan, or advance loan

I had bought the {$17.00} a month sezzle anywhere pay on XX/XX/2024 in order to pay for a transaction in the 4 easy installments that sezzle implies. When I had gotten the digital card to put in my wallet, I had the spending power of {$650.00} and the charge was {$380.00} dollars that I was supposed to pay {$100.00} every 2 weeks for 6 weeks for. The order was pending, and small transactions were going through on the card to make sure that the funds were there. 
When I went to pay for my purchase, sezzle then started to decline my payments, although they were taking out small increments of money from my bank account. And as promised with the sezzle anywhere, I could use it wherever visa is accepted. 

After the company ( not sezzle ) that I was using the spend anywhere with 4 easy payments werent going through, I tried calling sezzle and sezzle was not fixing the issue although with the {$17.00} a month plan I had guaranteed priority customer service to hand it, they were not tending to the issue. The transaction then went through, and I thought the {$100.00} for the deposit was taken out. 

Sezzle then came back two days later and said I owed the whole amount of {$380.00} instead of in the 4 installments that I was supposed to pay. I tried calling the customer service line and had gotten someone where they said the problem would be escalated to the managers. And I should hear something by email the next day. The next day came and I heard NOTHING. Then two days later I get a fraud report from my bank saying that sezzle was trying to take the whole amount, although it was supposed to be {$100.00} for four installments. Tried calling sezzle same day with just robots hanging up on me. 

I have never been late paying sezzle and always pay the extra fees for the extra services on time that they do not adhere to! Sezzle is misrepresenting their services.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXX XXXX, under account number ( XXXX ) on XX/XX/XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We received pre-approval for a mortgage from CitiBank in XXXX. During the pre-approval process, they were very responsive. However, once we had a ratified contract for a house, our loan officer because very slow to respond to questions. We asked for specific details on the timeline but our questions were frequently ignored. We communicated early that they would need to coordinate with our second trust lender, but they failed to do so. In the week leading up to our originally scheduled settlement ( XXXX XXXX ), we could not get anyone on the phone or to answer our emails to coordinate the final part of the process. Finally, I called the Citibank national helpline and got connected via email to the manager or our loan officer. The manager was similarly unresponsive after an initial email and we ended up missing our settlement date. We had arranged settlement for this Friday before XXXX XXXX weekend so we would have time to move into our new house. We had family coming in from out of town to help and movers scheduled to arrive. We failed to even get anyone on the phone to explain to us what was happening. Finally, the following Tuesday night ( XXXX ), our realtor was able to find out from the loan officer 's manager that our loan officer had quit the day before our scheduled settlement. When we still could n't get this manager on the phone, I had to call the Citibank national hotline again. Eventually, they connected me to the regional manager who finally told me our loan settlement would be delayed until at least Friday, XXXX XXXX. We rescheduled our movers again, but Citibank again could not close. At that point, we were already required to be out of our apartment. We finally closed on XXXX XXXX, but at that point, my wife and I had to take 3 days off work trying to coordinate the constantly shifting timeline and move and we had to remain in our apartment past the day we were allowed to. We ended up having to move everything with only one person to help because the timeline shifted from a weekend to a weekday. Throughout this process, Citibank was dismissive, unresponsive, and only got back to us after we called their national helplines or escalated to supervisors.
Product: Debt collection

I received a text message on XXXX from XXXX a an attempt to collect a debt. But this company has no right to collect a debt that does not belong to them pursuant to XXXX5 U.S. Code 1692c ( b ) I called the number and told them to stop contacting me but they text me again XX/XX/XXXX from ( XXXX ) XXXX This message is solely intended for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents. While calling back reference File # XXXX. This is an attempt to collect a debt, any information obtained is only for that purpose. I told them my job doesnt allow me to be on my phone at work and they insisted I pay my bill. I asked if they were familiar with 15 U.S. Code 1692c and she said no. I said well its the law stating you can not call or collect a debt from me. 

I received another call today XX/XX/XXXX from XXXX which connected me with Atlantic Recovery solutions. It connected me to a voicemail. I called back and recorded the call the lady said that she did not call me as I am on the do not call list but I told her I had just received a call from her office but she denied and hung up on me and would not answer my questions of their office number and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times now. By phone to their ID Theft / Fraud department. Also by email. By online dispute, by mail. Nothing is resolving the Identity theft that has occurred on my credit report that EQUIFAX Refuses to block. Per the FCRA you have a right as a consumer to request any fraudulent accounts and or debt collection efforts to be blocked if you are a victim of Identity theft. They have been notified of such accounts and yet refuse to block these accounts from my credit files, even though other reporting agencies. XXXX, and XXXX have already blocked the information.

I want the XXXX XXXX XXXX XXXX  accounts blocked. I did not authorize these accounts, i did not benefit from these accounts. You are reporting these inaccurately then advising me these are my accounts. Per my AFFIDAVIT I am a victim of ID Theft. As a consumer whom has been a victim i have a right to request the fraudulent account be blocked from my credit file. I am exercising this right.

Lastly there is a account from XXXX XXXX XXXX that i did not open. I also did not receive benefit from this account and discovered this account after my wallet was stolen and my ID was used to open this fraudulent account. Additionally all of the XXXX XXXX XXXX XXXX XXXX accounts are fraudulent. I did not open any accounts with XXXX XXXX XXXX XXXX XXXX. I have never opened an Auto Loan with them, Nor have i opened any credit cards nor a line of credit. All of these are showing as Charged off. These are fraudulent and i want them blocked from my credit file immediately. There is also an account with XXXX XXXX XXXX that XXXX XXXX has verified that is fraudulent since i have already reported identity theft to XXXX XXXX. They solved this with their Online Fraud Department and their Identity Theft Operations departments which verified i am a victim of ID theft and they stated they would remove it from my credit file immediately.

Additionally you are showing a XXXX XXXX  credit card. This was also opened fraudulently. I am working diligently with these Card companies. I want this information blocked from my Equifax Credit file per the FCRA requirements since i am a victim of Identity theft and i am providing you with a Law Enforcement Affidavit below. Please update your files immediately and send me a new credit report with the blocked information deleted.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked the credit bureaus XXXX, XXXX and Experian to remove these inquiries and they did not. I am providing an Identity Theft Report that will be attached to this and requesting that the inquiries be removed due to them being inaccurate and unauthorized. 

Thank you!
Product: Credit card or prepaid card

On XX/XX/2022 I received notification that a hard inquiry was made on my credit report ( XXXX ) from Bank of America. I have not submitted a credit application to Bank of America. I contacted Bank of America and they stated someone submitted an application in my name to obtain a XXXX XXXX XXXX  Credit Card, Reference XXXX XXXXXXXX. I did not submit the application.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit card or prepaid card

I purchased a set of wheels for my XXXX in XXXX of this year. The wheels arrived damaged, I sent them back. The reshipped me the wheels only to arrived damaged again. The business asked me to send them back yet again. They provided me with shipping kabels which I attached to each of the 4 boxes and sent back to the conpany on XX/XX/2018. After the company received the wheels back they refused to refund my money. I contacted Discover Card which I used to purchased the wheels and started the claim. I provided the tracking info which showed the merchandise was returned and signed for. after 60 days Discover denied my claim stating no return proof. I called and spoke with a supervisor and provided the tracking info again, even uploading it to their website. They assured me that was all they needed. Fast forward to The end of XXXX and they reverse the charge again, i call yet again and again they claim i never provided proof of the return. Its clearly on the Discover website under uploaded documents. Now since it has been more than 120 days the tracking links are now dead, as XXXX only keeps records for 90 days. I spoke to the corporate office of XXXX who stated they cpuld see where back in may the tracking had been verified by a manager during my call, they would take care of it. I receuved a phine call today from them stating they are not revera8ng the charhe and I now owe XXXX for a product i sent back 6 months agao and I shpuld call the merchant and resolve it with them. They now are expecting me to pay {$4000.00} to them for something I semt back 6 minths ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This account has never been late. 

In XXXX of 2020 according to Equifax and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX I XXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - The XXXX Account listed as in good standing still has an error. 
The payment inXX/XX/XXXX was never late, their system had a glitch in which they did not accept my XXXX XXXX payment ; and, instead told me that the payment was processed and accepted for well over a couple of weeks. This was not my fault. 

And I have mailed them similar complaints nearly monthly since last XXXX. 

XXXX - XXXX is an account on my file that had discrepancies just after it was opened in XX/XX/XXXX. 
This account was never even 30 days late, much less the 90 that is necessary to make it an adverse account. 
This account needs to be moved to good standing, because it always has been.
Product: Debt collection

PORTFOLIO CALLED ME FROM XXXX TO MY NUMBER XXXX AND TRIED TO COLLECT A DEBT FROM SOMEONE I DON'T KNOW. I ASKED FOR THEIR ADDRESS AND THEY REFUSED TO GIVE ME THEIR ADDRESS. THEY CALLED ME SEVERAL TIMES.
Product: Credit reporting or other personal consumer reports

An inquiry was reported on my credit report. Im unaware of the inquiry due to fraudulent activity with my personal information. 

Inquiry : One Main Financial