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

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by 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 and XXXX do not have my consent to furnish this information and they indeed do not have my written permission. Any consent to 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 explained 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.

" 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. 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX. {$22000.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I requested kindly that CREDIT ACCEPTANCE CORP provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDIT ACCEPTANCE CORP. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDIT ACCEPTANCE CORP is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDIT ACCEPTANCE CORP should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from CREDIT ACCEPTANCE CORP for account XXXX as I have never had an account of done any business with his company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Lender refuses to postpone foreclosure sale to complete loan modification review. Lender claims that they can not modify loan because it is an equity loan and under Texas law these loans can not be modified. Lender ignores that XXXX XXXX XXXX, et seq. supersedes state law.
Product: Debt collection

My name and I formations are reported to the collections agency by Midland credit management on behalf of XXXX  XXXX credit account identity theft fraud. Someone used my identity and opened up a XXXX credit card issued by XXXX  XXXX. I had made reports and disputes to XXXX  XXXX and this account is still in dispute as I understand however Midland credit management has reported that debt to the credit bureau while it is fraud and in dispute with XXXX  XXXX. I ask for settlement of this dispute which has been going on for 2 years and clear my credit report. Thank you
Product: Debt collection

On XXXX XXXX, 2017, I sent a letter to Keynote Consulting INC. Asking them to validate and verify the debt that they say i owe. I have not recieved anything back from them and it 's been over 30 days.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

In the years XXXX and XXXX, Equifax Information Services reported two debts in the amounts of {$19000.00} and {$24000.00}. After five-attempts to receive verifiable information in regards to the parameters of these reported debts, Equifax has only chose to respond with three " updated '' and " verified '' reports of the debts allegedly owed by me. No proof of these debts have ever been extended to me in reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). These reported debts are 23 and 17 years old and still today have yet to be verified by Equifax Information Services.
Product: Credit reporting or other personal consumer reports

couple weeks ago i get copy of my credit report and i noticed severals accounts that are listed on my report that never applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit reportXXXX XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}
Product: Credit card or prepaid card

On XX/XX/2022, Elan Financial advised me by letter that it was closing my account and forfeiting my award points. Elan did not state a reason. When I contacted Elan Financial, they advised me that their neither had to give me an explanation nor provide the identity of the credit bureau or consumer report it accessed.
Product: Debt collection

I received paperwork in the mail that is just computer generated account bills which have my name on them, but I also obtained, through my own sources, the same paperwork of several individuals. Other than the names being different, the rest of the paperwork is identical. It is either fraud on the part of XXXX XXXX XXXX or it is major oversight on their part to protect stolen identities.
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 Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

I signed up for two different credit monitoring services and neither of them could see or access my experian credit report. with that being said I made several calls to experian about this issue hoping to get it corrected and its still not resolved
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted two disputes : {$830.00} each for original transactions happened on XX/XX/XXXX with XXXX. Citi let me enter only one dispute in their online system. They have this limitation in place to avoid duplicate disputes, however in my case its not a duplicate. On the same day - XX/XX/XXXX - I contacted Citi rep via app messaging to request help with submitting the second dispute, since I couldnt do it myself on the website. The rep was XXXX and she reassured me that she entered second dispute, and it should show up in my account in 2-3 days. I have screenshots of this conversation and can serve it to you. A week has passed, but only one dispute shows in the system - the one I submitted myself. I contacted citi multiple times for the status of the second dispute, but they claim they have no record of it. They advised me to call the dispute department directly. I called them three times, but I was never connected to a rep. After going through the verification steps, the call always ends with a message that the department is closed- please call during business hours ( although I was calling during business hours and they claim that they work 24/7 ). I exhausted all my patience to have my dispute handled properly. I never received a temporary credit for the dispute that I submitted through the rep. The cycle is the same : I contact a rep for help, they tell me there is no record of my referral dispute, they tell me to call disputes department - that department never answers and plays we are closed message. I am not sure what else I should do, therefore I am asking for CFPB help to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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 my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX XXXX XXXX XXXX  as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Credit Control LLC claims I owe {$3400.00} to XXXX XXXX  which I believe to be XXXX XXXX, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with XXXX closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX  XXXX  has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. Credit Control LLC is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Credit Acceptance 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 card or prepaid card

Late XXXX of XXXX, I made a purchase with Macys credit for a sectional, a rug, and a set of three tables. During this call I was dealing with placing an order for over 6 hours. The furniture representative and the credit department took a total of 6 hours to place my order. As a result of the wait the furniture representative told me she would apply 20 percent off the entire order to include the worry no more warranty, sectional, rug and tables. I was told that once items were delivered Id receive a credit to my account ( it was to warn Macys bonus money ). After the rug and tables were delivered ( late ) i had to call many times to get Macys credit to honor the 20 percent off. They finally honored it. The furniture ( sectional ) took almost one year to arrive every month Macys made an excuse and for the lateness they would give roughly XXXX off ( to be applied after delivery ). Well I finally got the sectional ( almost one year later ) and the 20 % is not shown. I called Macys the day it was delivered and every day after they would put me on hold and with my busy job I could stay on the line for hours so Id call the next day. Today I get a hold of a team lead XXXX from the presidential line and he refused to apply the 20 % that was originally promised to the sectional I told him it was separate from the late credits. He said Im not allowed to return the couch either since Ive had it for 8 days. I explained how long Ive been dealing with this. Ive spent well over XXXX in a year because I have an investment property fully furnished by Macys ( I had many issues with those deliveries as well credit charging double for items lost items etc ). Im very upset and I want the 20 percent promised to me or they can return the sectional at full price. It took so long and I threw away my old couch waiting for almost one year for this to happen Macys employee info : XXXX lead team presidential line call center Macys Florida employee ID XXXX sales check XXXX
Product: Money transfer, virtual currency, or money service

I have a large sum of assets in Gemini. I have been with them for several years and have already been through all of the verifications. I also have been depositing money weekly ( and still do ) to purchase crypto and hold it on their exchange. I tried sending some of my assets onXX/XX/XXXX and was denied. I went through all the verification steps once again that Gemini told me to do via email. They then told me I was approved and able to send my money where needed. I tried again and was once again denied. Now they will not response to me and only say " We are receiving a large number of emails. We will get back to you when we have a resolution. '' They are holding my money XXXX. However, they had no problem taking my auto deposits today. This is not the first time this has happened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to Remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. 

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 recently received a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found numerous accounts on credit report that were not opened by me. This has been hurting me, as I am in the process of buying a home for my family. 

Please remove these fraudulent accounts from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX All of these are over 7 years old and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.