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

I decided to get my credit pulled due to a bill 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries 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 submitting to bring to your attention a matter of utmost importance concerning the accuracy and precision of my account record. The information currently associated with my account, particularly in reference to XXXX XXXX with a balance owed of {$900.00}, is adversely impacting my credit report. I kindly request that you ensure the verifiability and appropriateness of this specific information, insisting upon its 100 % accuracy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I demand that you uphold the provisions outlined in the Fair Credit Reporting Act, which gives me the right to dispute any inaccuracies in my credit file. As a conscientious consumer, I view this issue with great seriousness. However, I am gravely displeased by the unjust accusations of delinquency and detrimental data on my report, all of which are unfounded. I hereby formally request that you provide substantiating proof for my accounts ' adverse status. You must adhere to the stipulations requiring the thorough verification and documentation of all data before its use by creditors. I am disheartened by your apparent lack of due diligence and urge prompt remedial action on this matter. I am imposing a deadline of 30 days from the issuance date of this communication for you to address this matter. I anticipate receipt of tangible evidence of your efforts and an updated credit report. Should these allegations prove baseless, I insist upon accurate and validated information for each assertion, failing which, I will promptly request their removal. 

Listed below are the Personal Information that are being challenged : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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

I've contacted XXXX & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX THE ACCOUNT IS NOT MINE! 
I DID NOT AUTHORIZE THE XXXX XXXX XXXX ACCOUNT TO BE OPENDED! 
PLEASE REMOVE FROM MY CREDIT REPORT. 

I HAVE IDENITY PROTECTION AND THERE SHOULDNT BE ANY ACCOUNT OR INQUIRIES IN MY NAME. 

REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX failed to thoroughly investigate a serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with 5/3 bank. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX 5/3 contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. 5/3 advised they would call back. They never did. 5/3 filed with the credit  reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.
Product: Credit reporting or other personal consumer reports

Dear citi Card Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from Citi Card Bank . I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

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

I am writing to delete the following information in my file. I reviewed my credit report and seen some unauthorized inquires listed on my report.
Product: Credit reporting or other personal consumer reports

This is a legal and lawful notice that the trustees and authorized representatives of XXXX XXXX XXXX  are violating my consumer rights, and right to privacy, by reporting my personal private transaction history without my written consent, as per 15 USC 1681 604  A. 
The violations occurred between XXXX and XX/XX/XXXX. 
They violate the 1974 Privacy Act. Section 5 specifically prohibits the disclosure of personal information without the consent of the individual concerned. 
As per 15 USC 1681 Section 602A, we have a right to privacy.

The Frank-Dodd Act was enacted to protect consumers ' rights in business transactions reported to the agencies, Section 623 54-57, emphasizing consumer signature and consent.

15 US C, & 1681 B ( a ) ( 2 ), persons are only authorized to furnish consumer reports, per written instructions of the consumer.

15 USC 1681 c ( A ) ( 2 ) ( A ) ( i ), transactions in business are between the consumer and the person making the report.

15 USC 1581a financial institution may not report directly, or disclose to a non-affiliated third party any non-public personal information.

Violations of the Fact Act section 623 ( a ) ( 7 ) ; Your institution failed to provide an early warning notice regarding any form of a debt being placed in my private consumer file.

These actions have caused me irreparable harm, ( see invoice and denial of credit letter ), and violated my constitutional right to contract.
Product: Credit reporting or other personal consumer reports

My complaint centers on LexisNexis reported inaccurate and private information, which has adversely affected my consumer report. A certified notice providing more details is being attached to this complaint and mailed via USPS # XXXX, to LexisNexis to once again inform them of the unauthorized and improper utilization of my consumer report.
Product: Debt collection

Calling before working hours, calling XXXX times before even XXXX my time, calling and leaving lengthy voicemails for something that does not concern or involve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent experian these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 15 U.S. Code 1681b - permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud!!!!!! 

XXXX XXXX XXXX Account number # XXXX XXXX. XXXX Account number # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for reporting a collection account from XXXX XXXXXXXX XXXX XXXX that has not been validated and is causing significant harm to my credit profile. This account is only being reported by Experian and is inconsistent with the information reflected in my credit reports from other bureaus. The lack of validation and the inconsistency of this account raise serious concerns about its accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : Unvalidated Collection Account : The collection account from XXXX XXXXXXXX XXXX  XXXX has not been validated by the creditor or Experian. Despite my requests for validation, neither XXXX XXXX XXXX  XXXX nor Experian has provided any documentation proving the validity of the debt, including the original creditors name, the amount owed, or any agreement binding me to this debt. This failure to validate the debt violates my rights under the FCRA, specifically XXXX XXXX. XXXX, which requires credit bureaus to ensure the accuracy of the information they report. 

Inconsistent Reporting : This account is only being reported by Experian and does not appear on my credit reports from other bureaus. This inconsistency raises serious doubts about the legitimacy of the account and demonstrates that Experian has failed to verify the accuracy of the information before reporting it. 

Significant Harm to Credit Profile : The inclusion of this unvalidated and inconsistent account on my Experian credit report has caused significant harm to my credit profile. It has negatively impacted my credit score and my ability to obtain credit, loans, or other financial products. This harm is a direct result of Experians failure to comply with the FCRA and ensure the accuracy of the information they report. 

Failure to Investigate and Correct Errors : I have disputed this account with Experian multiple times, providing evidence of its unverified status and requesting an investigation. However, Experian has failed to correct the error or provide a satisfactory explanation for reporting this account. This failure violates my rights under the FCRA, specifically XXXX XXXX. XXXX, which requires credit bureaus to conduct a reasonable investigation of disputed information.
Product: Debt collection

I was contacted on XXXX via email by a company Titled Jefferson Capital Systems LLC regarding a debt of {$1800.00} stemming from XXXX in which I owe none of. 
I contacted the company right away via a phone call and requested the original contracts in which they claim Im attached to. JeffersonCapitalSystems has yet to yield those requested documents as there arent any in existence. 

I am not responsible for any debt with XXXX nor have I knowingly established any contracts with Jeffersons Capital Systems LLC
Product: Credit reporting or other personal consumer reports

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a The furnisher of information to credit agencies is a financial institution by definition and i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Money transfer, virtual currency, or money service

I used Cash App Since XXXX. Since the beginning cash app illegally not provide live agents available for years. Made it difficult to dispute or file complaints when money in my account went missing. Once they did add the agent feature, its been brought to my attention in the lawsuit that cash app hired fake agents that lead to consumers personal information being leaked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the XXXX XXXX between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX  : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Medical Data Systems is billing for XXXX XXXX for a bill where the hospital failed to bill my insurance despite me providing my card at the time of service. I have spoke with both companies with my insurance on the line who also spoke with them however they refuse to acknowledge the mistake. I told them I have no problem paying my co-pays but I'm not responsible for their employee not doing her job when I went to the ER in XXXX of 2019. I have been battling this for over a year. Who advocates for patients when the hospital fails to do their job. I've had the same insurance for over 10 years and always keep my card on me. Plus I had a friend ride with me to the hospital who was present when I provided my insurance.
Product: Debt collection

I sent MEDICREDIT, INC a debt validation letter on XX/XX/2020 and they sent back a letter on XX/XX/2020 saying they need additional infromation as they are currently investing the matter. I sent them my name and address and I have yet to hear anything back from them.
Product: Debt collection

AES advised on a phone call that I recorded that my wages will be garnished but on a private loan unlike a federal loan, they will have to sue in court and obtain a judgment in court. Per Illinois law, they will have to prove that NCT owns this debt and has the right to collect on it. I have multiple recorded calls from AES where they are giving out incorrect information. The call on XXXX/XXXX/16 the rep told they will garnish my wages, he should understand there is a difference between private loans and federal loans, with private loans NCT will have to sue me and obtain a judgment. I have the call recorded as proof therefore AES is committing fraud.
Product: Credit reporting or other personal consumer reports

I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under XXXX XXXX compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy! The information in my credit report and below is wrong. It was never proven to be factual, so now I have decided to exercise my consumer rights! I know I'm entitled to accurate and current information about my finances. So, when the misrepresentation of facts is found on my credit report it can and has had serious consequences! This means I need you to fix these problems right away before they get worse! I am exercising my right to be informed of any inaccuracies on my credit report. I request that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report