23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to XXXX verification. 

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

How is Nelnet reporting my information when there is no contractual obligation between me and Nelnet? My information should be protected against any breaches. Nelnet please show me the law that shows you must report anything to a person 's consumer report. 
The law says you MAY report and the consumer must give permission.

15 USC 6801- Protection of Non-public personnel information. The law says that it is the policy of 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 ' non-public personal information.

15 USC 16802 obligation with respect to disclosures of personal information. 15 USC 16802 ( b ) Opt-out - A financial institution may not report Non- Public personal information to an non-affiliated third party unless there was 3 disclosures sent to me before the information can be exchanged and the consumer must agree to it. 

so Nelnet what do i need to do so that my information does not get reported.

15 USC 1692 CC in writing a consumer can refuse to pay a debt collector.

15 USC 1681 ( b ) 2 permissible purpose - There must be one permission written consent from the consumer and they must have a legitimate business reason or government/ court order but without those, they can not pull the consumer report. the law clearly states " A person may furnish in accordance with the written instructions of the consumer to whom it relates. 

If consumer reporting agencies can not share information without written permission, so how did XXXX XXXX and XXXX XXXX get my information? Also when they got it, who gave them permission to share it with a consumer reporting agency? 

Identity Theft 15 USC 1681 Q - obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on title 18.

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit reporting or other personal consumer reports

I have informed ncb management services. The {$3400.00} account is not mine. I have informed XXXX XXXX the {$460.00} account is not mine. The account with XXXX XXXX XXXX is not mine. I have informed them multiple times a family member used my information to open multiple accounts. I did not find out they used my information until they were no longer living in my home and I have not been able to locate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or XXXX, XXXX Equifax reported a security breach. I 've had to initiate fraud protection on my credit and will now have to monitor it for my own protection. So far, nothing has happened to me. 

This type of poor security has allowed a host of problems for myself and others. A company with this kind of structure should be wholly responsible.
Product: Credit card or prepaid card

In early XXXX XXXX, I had a fraudulent credit card purchase on my XXXX XXXX XXXX store card. The purchase was made on-online for over {$2000.00} and I received an email confirming the purchase was done online. When I called, the number on the back of the card, I was told that they do n't handle online purchases and I had to call another number. They did n't try to connect me but just asked that I handle it with the online department. When I called the online department, they asked me to call the credit risk department. A cumbersome user experience that I had to follow to protect my privacy. Eventually they added a password on my account for future purchases. Now its XXXX XXXX, I tried to make another online purchase, only to find out the fraudulent shipping address is still on my account. So I tried to call, only to be asked to call the online department and go through the same cumbersome service to protect my privacy. By the time I learned how difficult the process of online buying will be, especially that I forgot my password ( and had to MAIL out a letter to change it ) my order was no longer available. I had to cancel my credit card after being a customer since XXXX and affect my credit score but this was the worst experience ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX sent all three credit bureaus a letter alone with proof of my identity my physical address and my mailing address. On XX/XX/2021 Experian sent me an email stating the results and they declined to remove all names, All addresses that are not on my drivers license, And that is not on my mailing address that I sent proof of or my physical address that I sent proof of I sent letters and proof to Experian, XXXX XXXX, XXXX. I hope and pray that you can help me with this matter and that all addresses and names that are not on my mailing address and my physical address and my name thats on my drivers license that all the other addresses and names be removed and delete from my credit file thanks so much.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  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
Product: Credit card or prepaid card

For the past year I have had charges on my Capital One Visa card from XXXX. I have disputed the charge every month. At one point a customer service rep with Capital One tried to block the fraudulent charges from XXXX, but every time I am issued a new card number ( due to the fraud claim ), XXXX is able is able to pull the same {$44.00} via the Visa card agreement. Capital One said they have no way to stop this because my card number automatically changes with every fraud dispute, and there's no charge to block until another charge happens. The agreement that Visa and merchants have is robbery. How are they even allowed to continuously charge people who never entered into a contractual agreement even after filing multiple disputes. How do we stop this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. As of todays date, Equifax has not responded to my dispute and therefore must update these accounts in my credit file. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am requesting your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

During the COVID pandemic, I had a large reduction in my pay due a mandated job change. On an unknown date the pandemic, I had to cease paying my credit card bills associated with Discover Bank. 

XX/XX/XXXX XXXX XXXX XXXX sent me a packet in the US mail saying that I have a judgement against me that not been paid. I had not received notice that I needed to defend myself in court against any attempt to collect a judgement against me. This communication was the first time I had any knowledge about this. 

XX/XX/XXXX I sent a Debt Validation letter and a Cease and Desist letter to XXXX XXXX XXXX XXXX who were affiliated with Discover Bank. In the ease and Desist letter, I requested a copy of any contract I had with Discover Bank and gave them 30 days to provide one. At the end of the 30 days, they provided me with a stack of copies of monthly statements, but there was no copy of a contract. 

XX/XX/XXXX I discovered that my bank accounts had been frozen. Someone has also over drafted XXXX of my accounts in the amounts of - {$9700.00}, - {$9200.00}, and - {$9700.00} for what Discover had originally said was a bill in the neighborhood of {$4000.00} or {$5000.00}. 

XX/XX/XXXX I was served notice dated XX/XX/XXXX from XXXX XXXX Receivers with a Note of Protected Property Rights. I did not receive this until after my bank accounts had been frozen. 

XX/XX/XXXX I called I called XXXX XXXX Receivers to tell them that I do not owe the debt and to discharge said debt. They told me that they were a part of the court and were not affiliated with Discover Bank, and that I had to talk directly to Discover Bank. 

XX/XX/XXXX I called and talked with a Discover Bank representative and I requested that he discharge the debt. He told me that he could not discharge my debt.
Product: Debt collection

-First communication was established on XX/XX/2020 where they called mine and my husbands number, person who called was XXXX XXXX XXXX Same date, XX/XX/2020, XXXX XXXX called my brother and went over the debt in question in detail with him and also told him that they were preparing to serve me at my place of employment. This is considered disclosing unauthorized information to a third party. I made an attempt to call XXXX XXXX back that day and got a voicemail in which I left my name, file number and phone number. No other information was given. 
XXXX received a phone call from XXXX XXXX while at work. My husband called back when I got home from work. We specifically asked for a validation of debt letter be sent to us and at this time she started to get very upset and told us to follow the chain of title. She refused to accommodate our request for a validation of debt letter and then also said they contacted the Human Resources Dept at my employer and when the HR rep called her back they would be serving me at my place of employment. 
-by following the chain of title, as XXXX had mentioned, we discovered that this company, Platinum Holdings , had only just acquired this debt at the end of XX/XX/2020. They are threatening to sue without giving us the 30 days to dispute the alleged debt. 
-the company Platinum Holdings has the same phone number as the supposed law firm XXXX XXXX XXXX XXXX No matter what number you call they answer litigation, not the companys name. 
-from doing research I am finding everything mentioned above to be illegal scare tactics and if they are trying to actually sue they are required by law to give me 30 days to give written letter of dispute, which they did not do. 
-they have also almost doubled the amount owed of the alleged debt, trying to tack on some fees which they also did not explain. 
-I would also like to add since I have absolutely no documentation from this company I can not attach any letters or receipts since they do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/2021, due to incorrect information on the backround check performed by HireRight I was fired from my job after being there almost 6 months. Furthermore, after applying for another job at XXXX another backround check was done by XXXX XXXX which again showed inaccurate information. On three occasions I was denied employment, and or, fired from my job due to inaccurate information on the backround check. Although I never denied having a criminal record, for which said crimes I served time for and paid my debt to society, I was never convicted of XXXX. I went to trial for XXXX and was convicted on XXXX XXXX. As you will see, my backround checks on the above occasions erroneously states I was found guilty of XXXX which I was not.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I encountered with my Experian credit report. On XX/XX/2024, upon reviewing my credit report, I discovered several unauthorized hard inquiries that have been made without my consent. These inquiries have raised serious concerns regarding the security of my personal information and its unauthorized use by third parties. 

The unauthorized hard inquiries were found on my Experian credit report, and they are as follows : SEE ATTACHED DOCUMENTS
Product: Checking or savings account

I opened a BMO XXXX XXXXXXXX XXXX XXXX Account this month. I recently made a deposit of XXXX and want to transfer another roughly XXXX into the BMO Alto Account. 

While the XXXX transfer was pending I tried to transfer the XXXX to my bank. But this triggered " XXXX XXXX '' and XXXX froze all funds out of ( but, conveniently, not going out of ) my account. 

BMO Alto XXXX XXXX XXXX then requested numerous documents : my bank account statement ( BoA ), my other high-yield savings account statement ( XXXX  ) -- both of which have been verified by deposits both from and to BMO Alto -- and my driver 's license. 

I also can not now sign in to the account at all due to the freeze. 

This is ridiculous. I want to close this account with BMO Alto immediately! and get my money back!
Product: Mortgage

My homeowners insurance is billed monthly and held in escrow with Amerihome Mortgage. In XX/XX/XXXX, Amerihome failed to pay my homeowners insurance renewal. Amerihome claims that they did not receive the invoice. I did receive a copy of the notice that was sent to Amerihome describing cancellation for non-payment. However, when I went online to Amerihome 's website to see if the insurance still had not been paid, they showed that the insurance policy did not expire until XX/XX/XXXX. I could only assume that the premium was paid and that I received the letter after Amerihome made payment. Fast forward to XX/XX/XXXX. I had leak in my kitchen ( the water line to the dishwasher sprung a leak ). I called my insurance company to make a claim. They were unable to find my policy but took my information in case it was a glitch in their system. A couple of days later I found out that I did not have a policy in place because Amerihome failed to pay my insurance in XXXX. Amerihome told me to hold tight as they were going to get with my insurance company and have the old policy reinstated. After several days I received a phone call from Amerihome that my policy was reinstated and that I could move forward with making a claim to my insurance company. I did just that, only to find out that the policy was not reinstated and that Amerihome just mailed a payment for the premium with a copy of the renewal notice from XX/XX/XXXX that they claim they did not receive. The insurance company will not reinstate the policy 6 months after it was cancelled. I have spent 3 weeks on the phone with both Amerihome and my insurance company going back and forth to decide who would fix my home as well as get a new policy in place on my home now. Amerihome states that they aren't liable as they didn't receive the invoice and my insurance company states they aren't liable as there was no policy in place at the time of loss. I now have mold growing in my home and am allergic to it as well as being stuck with a $ 20,000+ repair that should have easily been filed as a claim and insurance would have covered.
Product: Credit reporting or other personal consumer reports

Child support enforcement have violated my rights by unlawful communications according to 15 U.S.C 1692C. I demand immediate deletion. I'm a federal protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, 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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XX/XX/XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan modification in XX/XX/XXXXwhich was denied and I kept trying for the loan modification until XX/XX/XXXXthey made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the Bank of America did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor XXXX  XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting docume
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Student loan

DEPARTMENT OF EDUCATION XXXX ACCOUNT NUMBER : XXXX ACCOUNT TYPE : EDUCATION DATE OPENED : XX/XX/year> STATUS : PAYMENT/DEFAULT BALANCE : {$8900.00} ORIGINAL BALANCE : {$6400.00} I am writing to request loan forgiveness due to severe financial and economic hardship. Over the past few years, my financial stability has been significantly impacted by circumstances beyond my control. 

Caring for an elderly family member with extensive medical needs has placed an enormous strain on my finances. In addition, the lingering effects of the XXXX pandemic have further exacerbated my financial challenges, making it impossible to meet the growing balloon payments on my loan. 

Despite my best efforts to manage my obligations, my current situation has left me unable to make these payments without causing undue hardship. I have explored alternative options and spoken with creditors where possible, but my financial recovery remains ongoing and uncertain. 

I am requesting your understanding and consideration for loan forgiveness to help alleviate this burden. Forgiving this loan would provide much-needed relief and allow me to focus on regaining stability during these challenging times. 

Thank you for your time and consideration of my request. Please let me know if additional information or documentation is required. I am willing to provide any necessary details to support this request.