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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states 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. XXXX and XXXX also XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by USC 15 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. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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 XXXX, XXXX and XXXX 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 and 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 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 1681s-2 ( 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. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 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.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 Collection account at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collections account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an Collection Account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) 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: Debt collection

Dear AARGON AGENCY I am writing to formally dispute the debt referenced in your recent communication dated [ XX/XX/XXXX ]. After careful review, it has come to my attention that this debt is not mine, and I believe there has been a mistake. I Dont have nor have had any lights under my name I request a thorough investigation into this matter to rectify the error promptly. The inclusion of this inaccurate information on my credit report is adversely affecting my credit health, and I am concerned about the potential consequences. 

I kindly request that you provide me with detailed information regarding the origin of this alleged debt, including any supporting documentation. Additionally, please provide clarification on the steps I need to take to resolve this matter and ensure the removal of the incorrect entry from my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the medical bill on the basis that I have contacted the original creditor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) to confirm information reported on my credit file for Equifax, and the original creditor confirmed by way of phone contact that I never had such account with their office. As such, XXXX XXXX has never attempted to collect any debt, nor referred any account for collection to XXXX XXXX XXXX. 

I have contacted XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MO XXXX ) by way of phone at a later date and was informed that an error had been made when I was previously advised that I never had such account with their office and that such account does exist, but the matter will be further researched. I requested a written notice containing : ( 1 ) the amount of the debt ; ( 2 ) the name and address of the creditor to whom the debt is owed ; ( 3 ) confirmation of their receipt of my dispute regarding the validity of the debt, or any portion thereof ( 4 ) verification of the debt or a copy of a judgment and a copy of such verification or judgment ; and ( 5 ) the name and address of the original creditor, if different from the current creditor. 

Despite my repeated requests, at this date, XX/XX/2018, the original creditor has not provided verification of the debt or responded to any of my verbal and written requests regarding the validity of the debt. In fact, I have advised the original creditor, XXXX XXXX ( affiliate of XXXX XXXX XXXX Hospital ) and the collection agency ( XXXX XXXX ) of the lien waiver document pertaining to XXXX XXXX XXXX Hospital, and the original creditor and collection agency will not acknowledge the lien waiver. Furthermore, Equifax has acknowledged that my credit report does not provide the address of the original creditor, and not providing the original creditor 's address has caused undue hardship in that I have made futile attempts to contact the original creditor.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion three Identity Theft Reports, each with a cover letter, a copy of the Identity Theft Report, color copies of my drivers license and social security card, and exhibits of the pertaining fraudulent accounts as instructed on the FTC website. Two of said packets were sent on XX/XX/XXXX, and received on XX/XX/XXXX. The third packet was sent on XX/XX/XXXX, and received on XX/XX/XXXX. Following each of the letters, they not only failed to block the information within 4 business days, they sent letters stating that they are not blocking the information for one or more of the following reasons : - The request provided is missing essential personal identifying information or account specific information that would allow us to complete your request. I have already provided them essential and specific documents described above. If TransUnions reasoning lies with needing additional proof of address/identity, I will provide it here, however that is not explicitly stated as a requirement in Section 605 ( B ). I have acted in accordance with the FCRA and TransUnion has not.
Product: Credit reporting or other personal consumer reports

I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with Nelnet and received no notification at that time or when I stopped school for family and health issues. I received no notification from Nelnet once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because Nelnet reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with Nelnet totaling 5 loans. I was under then impression that I had 1 loan with Nelnet because all prior notification from Nelnet indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted Nelnet who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but Nelnet denied any wrong doing or reporting so the dispute was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following dispute to Equifax on XX/XX/XXXX. 

I requested my credit report and noticed that two accounts were not listed : XXXX and XXXX # XXXX, opened XX/XX/XXXX, Credit Limit of {$1700.00}, XXXX balance owed. 
XXXX 's # XXXX ( yes same account different company ) opened XX/XX/XXXX, Credit Limit {$150.00}, XXXX balance owed. 

I receive an email on XX/XX/XXXX indicating the dispute # XXXX was completed. I tried unsuccessfully to login in the dispute site via the link they sent. I eventually called and was connected to the dispute center. I was on hold for 1.5 hours before I decided to go online and chat. That person told me to call another number and there were problems with the dispute portal. I did speak with someone in the dispute center who indicated that he could not see a resolution to my dispute he could only see my comments. 

I indicated in the dispute that because the accounts were not listed, a true credit history was not being shown and I probably received higher interest rates for the credit I did receive. I would like the initial dispute looked into and corrected. I would also like someone to look at Equifax. All the lead no where numbers, all the phony information given to consumers, like the dispute completion I received. By the time this is handled 30 days will have gone be and I will need to submit the same dispute again. Why should consumer have to go through this to get something done. Consumer 's jobs, finances, etc., depends on this information being correct and when it is not, there should be an easier way.
Product: Debt collection

There was not a bill from the nonprofit XXXX hospital that I visited. They had agreed to see me with no charge since I did not have any income or any insurance. This was all agreed upon before I was seen. I do not owe this collection agency anything and this must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency.

Details of Disputed Entries : Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX Dates of Unauthorized Reporting : XX/XX/XXXX - XX/XX/XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 
A charge-off should not have a past due balance or be reported as past due once the account is sold. It is considered as income since the alleged account has been written off by the debtor. 
Inaccurate reporting of this charge-off account can be damaging and may be considered defamatory. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e : Consumer reporting agencies must follow procedures to ensure the accuracy of the information in consumer reports.
Product: Credit card or prepaid card

I received an unsolicited credit card in my name today ( XX/XX/2023 ) from Netspend. 

I DID NOT APPLY FOR THIS CARD!! 

I called Netspend ( XXXX ) to tell them to remove my name from their records. I received a recorded message with menu options. They wanted the credit card number entered before I could talk to someone about removing my name from their records. However, when I entered the credit card number there was a message it was going to ACTIVATE the credit card! 

I DID NOT WANT TO ACTIVATE THIS CREDIT CARD THAT I DID NOT APPLY FOR!! 

I closed the website and reentered again, listening to all the menu options. It was rather tricky getting to the menu option where I could CLOSE my account without activating it. 

This is a fraud upon consumers! I am XXXX XXXX XXXX and still have enough mental facilities to figure out what they were doing, tricking me into activating their credit card they sent to me unsolicited. 

I did choose the information that I did not want this credit card.
Product: Debt collection

1 ) I am not aware of any debt or account that is open with XXXX XXXX, the original creditor of this account.

2 ) prior to receiving a collection notice on my credit report, I received no phone call or mail trying to attempt to notify me of such a debt.

3 ) phone number on account is listed under wrong person 4 ) all attempts to collect this debt were done by mail to an address I no longer live at or have access to. 

Original creditor is XXXX XXXX and collection agency is MG Credit in XXXX, FL
Product: Credit reporting or other personal consumer reports

I value the effort taken to remove certain items from my file attributed to suspected fraudulent activity, yet there remain items that urgently need to be addressed. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of XXXX or any form of automated verification.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.XX/XX/XXXXXX/XX/XXXXBalance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}.
Product: Student loan

On XXXX received notification that my loans would be placed into forbearance. In addition, was notified that interest would continue to accrue while in forbearance. I did not request that my loan change states and did not have any option to easily re-instate payment as I had been paying the month prior.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes and mailed them to XXXX, Experian, and XXXX. They have not provided methods of validation. They have not fixed the errors in my credit report. They have also not mailed any results or updated credit reports to my address. Please assist me in fixing my credit report. I have attached the letters to this complaint.
Product: Credit card or prepaid card

In XXXX, I contact JPMC concerning a balance that they contacted me about and that I had not idea was owed. It is for my Amazon credit card. I did place an order for {$40.00} bottle of XXXX XXXX. I had been using Amazon 's Bonus Credits in dollar amounts and when I did not receive a bill and when I showed a XXXX balance on my Amazon account, I assumed the purchase was covered under their bonus credits in dollar amounts. I received a call from JPMC in early XXXX and thought it was spam. I purchased a home and a past due ( 2 months ) report from them appeared on my credit report. I contact JPMC and after waiting on hold for over 2 hours and being transferred to multiple departments, it was explained that I owed almost {$200.00} for the {$40.00} purchase as the bill had not been paid. I had not received a bill in the mail or an email ( which Amazon had both on file ). When finally being transferred to a department who could assist, I explained my situation. The rep advised they had returned mail as it had been mailed to my physical address and not my mailing address. Again, they had all of my correct information. I was able to negotiate the amount to {$160.00} and was prepared to pay the balance to get the late payments removed from my credit report. Unfriendly and unprofessional assistance. Refused to remove charges and refused to provide receipt for payment. Advised I would have to call back and go through the entire process again to request a copy of the receipt in 72 hours. This is a ludicrous way to conduct business and after the rep updated my mailing address, a supervisor advised they had not had any returned mail. Again, ludicrous. I am disputing all charges above and beyond the {$40.00} charge. Would you please assist in getting this resolved? I appreciate your help! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX PS I received a bill from JPMC on XX/XX/21 for an even higher amount.
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 XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a multi state class action lawsuit to which I am included in a settlement agreement litigation Santander Consumer has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted