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

Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint to express my concerns regarding the egregious infringements on my rights as a consumer by Equifax, XXXX, and XXXX. These entities are blatantly flouting the Fair Credit Reporting Act ( 15 USC 1681 ) and other pertinent laws.

Under 15 USC 1681 section 602 ( a ), it unequivocally states that consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and reverence for the consumer 's right to privacy. However, the actions of Equifax, XXXX, and XXXX starkly contradict this mandate. As a consumer, I possess the unequivocal right, safeguarded by 15 USC 6801, to ensure that my private information is not shared without my explicit consent.

Furthermore, as per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish a consumer report solely in accordance with the written instructions of the consumer. I want to emphasize that neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies possess my consent to furnish this information, and they decidedly lack my written approval.

The failure to apprise me of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ), constitutes a blatant violation of the law. Additionally, the reporting of adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ), is illegal.

Furthermore, 15 U.S. Code 1681s2 ( a ) ( 1 ) explicitly prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX are failing egregiously to uphold reasonable procedures to avoid violations of Section 1681c and to restrict the furnishing of consumer reports to the purposes authorized under Section 1681b.

To compound matters, the neglect to inform me of my right to opt-out, as mandated by 12 CFR 1016.7, accentuates a complete disregard for consumer rights. I am hereby formally exercising my right to opt out of any adverse reporting to my consumer report.

Under 15 USC 1681c ( f ) and relevant statutes, I have explicitly requested that adverse information concerning my credit history or any other consumer reports be excluded from reporting to third parties. This opt-out request is effective immediately, and I expect compliance with this directive.
Product: Credit reporting

Transunion has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint XXXX about XXXX  - the company is responding never received previously disputed inaccurate information complaints- on several occasions disputed items have been mailed out and sent electronically Experian XXXX is reporting inaccurate information and has been previously notified. The company refuses to remove the inaccurate information sending response that claims have been verified as accurate. Experian is reporting old/inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To Whom It May Concern : I am writing in response to your reporting of a debt that you are trying to collect. On XX/XX/2024, you reported this debt to XXXX, XXXX, and XXXX, identifying it as verified debt owed by me.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors 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, remove 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 NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit card

My credit card money was used by a hacker in XX/XX/year>. I immediately called the bank to report it. The bank informed me that it would take two billing cycles. It's almost the end of XXXX, and I haven't received the refund. They are also charging me a late payment fee. Despite calling them XXXX times, their response remains the same. This delay is affecting my credit score and more. The unauthorized charges were {$1900.00}, {$11.00}, and {$11.00} on XX/XX/year>. I reported them immediately. I can't afford to pay this much money.
Product: Credit card or prepaid card

CITI BANK in his response to XXXX asked me idiotic questions inapplicable the the case solely on purpose to dismiss it
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment within 30 days it was on XX/XX/2018. I paid by check on XX/XX/2018. My payments are due on the XXXX of each month. XXXX  and Equifax are showing that I'm late for XX/XX/2018 payment. 

I've disputed the first time this happened in XX/XX/XXXX with XXXX. Instead the company just updated the information, not actually investigated. Then on XX/XX/2018 it happened again. 

I gave copies of receipts showing payment history. For both XX/XX/XXXX and XX/XX/2018. 

Per Fair Credit Reporting Act you can't place any item as derogatory on your credit report if it's not 30 days late. 

I requested a thorough investigation. The fair credit reporting act states that if there are any inaccuracies or invalid on your credit report it should be removed. As a result this inaccuracy is hurting my credit score drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3700.00} ; 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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, NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Product: Credit card

On XX/XX/2024, I ordered movies from XXXX XXXX {$XXXX} and {$XXXX}. 

I never recieved the shipment of the movies and at the time I was in the hospital due to being elder abused and attacked at a XXXX. 

I contacted XXXX, a XXXX representative who informed me that I would be credited with the charges totaling {$XXXX} and $ XXXX would not need to pay for the movies. He confirmed I did not recieve the shipment of movies. See attached recording of the call. 

I contacted XXXX XXXX ( XXXX  ) who also informed me by letters that they investigated my dispute and would credit charges totaling {$XXXX} and {$XXXX}. See attached letters. 

XXXX  refused to credit the charges.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX  settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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

I got a alert that a card was opened, the same day of this credit card being opened I contacted Comenity Bank XXXX XXXX  Visa. 
I spoke to the fraud department which assured me that the account was closed as Fraud /Not authorized and that it will not show on my credit report.

1 week later I received a credit card in the mail I called again and spoke to fraud department and they assured me it was already closed, and that they removed any credit inquires, as well as account will be removed from credit report, not just showing closed but removed as I never opened it.

As of today it is showing open
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries on my credit report and I'm a victim of identity theft. 
XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. 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 Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report 'em like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX Account NumberXXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report 'em like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE!
Product: Debt collection

On XX/XX/2020 I received a letter from Commonwealth Financial Systems , Inc., XXXX XXXX XXXX, XXXX XXXX, PA XXXX listing 13 "  account numbers '' and dollar amounts of alleged debt from XXXX XXXX XXXX. They had already taken action to ruin my credit by filing numerous derogatory comments at the credit bureaus on XX/XX/2020. They didn't just THREATEN to ruin my credit ... they took action to ruin my credit before they ever notified me of anything or provided me a chance to dispute this. I called on XX/XX/2020 and sent a letter advising them that I have valid, current health care insurance ; that I disputed the debt since they didn't bother to list dates of service, name of patient, or description of services. I also advised that they had made NO NOTIFICATION to me prior to making derogatory remarks at the credit bureaus. I asked what steps they had taken to validate the debt before making the derogatory remarks. The woman said they simply " assume '' the debt is valid. I requested validation and advised that I dispute the debt. I was told validation would be sent. However, a few days later, they made additional derogatory remarks at the credit bureaus, even after I advised them it was in dispute. I filed a complaint with the XXXX explaining that I have no idea what this is about, and that the collection agency did not validate the debt. They LIED in their response to the XXXX  claiming they sent validation on XX/XX/2020. Their letter to me wasn't dated until XX/XX/2020 advising they had these accounts and offering a 25 % discount on the debt. In addition, their employee verbally admitted they did not validate anything since they " assume '' records from a health care facility are valid on their face. I disputed the debt with the credit bureaus in XXXX and it was removed. After being notified by the XXXX of my complaint to which they filed the false statement about sending validation on XX/XX/2020 that I mentioned above ... they also told the XXXX they were requesting additional information. Why would they need additional information if they had already validated and sent me validation on XX/XX/2020 ... .they didn't do any of that. NOTHING has been provided since their original letter dated XX/XX/2020. To make matters worse, in XXXX they filed all new additional derogatory comments. I have no way to determine whether this debt is valid, whether it is old, and/or who even received XXXX XXXX. I have a family plan. I have seen many complaints about this company on the internet regarding the fact that they try to collect debt that is not valid, and engage in the same type of unethical conduct with the credit reporting agencies. It is my belief they continue filing these bogus derogatory remarks to harass and try to intimidate me into paying bills that I do not owe.
Product: Credit reporting or other personal consumer reports

Most recently I was denied for the PayPal pay in XXXX  program on XX/XX/24. Last year this happened and I was given the same decision and was told that it was due to fraudulent activity on a previous Pay in XXXX  account. I vehemently protested, stating that I had never missed a payment with Pay Pal nor was there ever any discrepancy with any payment. I also pointed out the fact that I have a credit score over XXXX and I have a PayPal Cash back Master Care  with a {$5000.00} limit that is in good standing with a low balance ( under {$200.00} ). I was told then that there was nothing that they could do. If was in the computer and they could not remove it, Nor, could that give me any particulars about this alleged fraudulent activity. I thought that it would rectify over time due to the fact that I did continued good business with PayPal and continue my on time and consistent payments. Unfortunately I am still being discriminated against unfairly. There has never been a problem with any account of mine with PayPal. I demand that my record reflect this and any payment method I choose be made available to me. ( In particular PayPal pay in XXXX  )
Product: Credit card

I was sent a credit card, ready to be activated, without consent, knowledge, permission, etc., and without ever doing any business with this company.