23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 

These inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Debt collection

I first learned that someone named XXXX from Peter Roberts & Associates was trying to locate me when he left a voicemail for my mother on her cell phone attempting to find contact information for me. I had not received any calls on my phone or letters regarding a debt from this company. On XX/XX/19, I received a call from ( XXXX ) XXXX and the person only identified himself by his name. His last name was unintelligible. He refused to state what his business was or where he was calling from when I asked. He kept asking to confirm my address and when I asked again what it was in regards to he would not state his business or where he was calling from, so I hung up. I am only aware the company name because I looked up the phone number. If it is an attempt to collect a debt, he did not disclose that at all. I am not confirming any of my personal contact information to someone I do not know that only identifies themselves as XXXX. His communication tactics are deceptive and the fact that he contacted my mother before contacting me is inappropriate and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

I have tried to work with the three credit bureaus to remove these false, negative accounts from my credit file without any progress. I found the accounts listed below have been using the same debt several different accounts with different amounts, different open dates and false information. 

XXXX XXXX # XXXX This is the creditors thats listed below are also using. The same debt but with different amounts and dates XXXX Act # XXXXXXXX XXXX Act # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Act # XXXX These creditors have used the same debt with different amounts, reporting different open dates, activity dates and last payment dates. 
I have attached documents to prove my claim. 
XXXX also has one open on my credit file with the same account # as the ones listed as negative. I have the right to be treated fairly according to the law creditors must report accurately and if not the accounts must be removed. 

The original creditor that these are using was paid long before this was reported. 
The original creditor is XXXX which is XXXX XXXX. I have attached my bank statements that show I paid. The balance that I paid is far from the balance thats being reported. This is damaging my credit and preventing me from moving forward in rebuilding my credit.
Product: Debt collection

I have received many, many calls from avante usa at XXXX. They are looking for a long lost relative that I do not have contact with. When I answer the phone they hang up. I want them to stop calling me because I do not know them or have anything to do with the person they are looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed via Kohls department store roughly a year ago that a person in XXXX was able to use my social security number to use my Kohls account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. Kohls also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that Kohls said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the capital one account number ending in XXXX from XX/XX/XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you
Product: Debt collection

I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called Fair Financial Corp . The leased vehicle was returned to Fair according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from Fair Leasing, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, Fair Financial Corp, or XXXX XXXX XXXX XXXX. whom the supposed debt was transferred to, that there was any deficient balance or any balance owed. I do remember, even though this was almost XXXX years ago, after I returned the vehicle, calling Fair XXXX XXXX to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with Fair XXXX XXXX that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost XXXX years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from RPM which complies with XXXX XXXX. XXXX, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX is trying to comply with the federal statute but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, Fair who later bought them out and is now also out of business. Since Fair is out of business I have no way contacting them to get access to my customer account or any information so that I can prove to the collections company that I do not owe anything. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the XXXX notice I received XXXX almost XXXX years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint against Fair XXXX XXXX because they failed to adequately update my account to show that the vehicle return did not violate anything on the contract and that all balances were paid in full and on time.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
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. '' EXPERIAN and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX ) 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. '' ( XXXX XXXX/XXXX  ) the financial institution and the Consumer reporting agencies EXPERIAN 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 EXPERIAN, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN 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 XXXX XXXX reporting services.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to their failure to respond to a dispute letter that I mailed on XX/XX/. In my dispute, I addressed several items on my credit report, including XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX and XXXX - XXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Equifax regarding my dispute, and this lack of communication is a clear violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to fulfill their legal obligation to respond within the stipulated timeframe.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the lack of progress in resolving the inaccuracies on my credit report. Despite my multiple attempts to dispute the errors and provide supporting documentation, the issues persist. 

I initially had high hopes for the Consumer Financial Protection Bureau 's ( CFPB ) role in protecting consumers like myself from inaccurate, unfair, and biased reporting practices of large credit bureaus. However, my experiences have shown that these errors continue to plague my credit report, and I remain unsatisfied with the outcome. 

XXXX. Inconsistent information - The credit bureaus have provided conflicting information regarding the same accounts. This inconsistency raises questions about the reliability of the information and the process used to verify its accuracy. 

XXXX. Lack of correction - Despite my efforts to dispute these errors, the corrected information still reflects inaccurately on my credit report. The revisions made by the credit bureaus have not addressed the root causes of the problem, leaving me with incorrect information that continues to impact my XXXX XXXX. 

XXXX. Personal information discrepancies - My personal information, including my name, address, and date of birth, appears incorrectly on some credit reports. This raises serious concerns about data management practices and the potential for identity theft. 

XXXX. Multiple attempts - This is my third attempt to request reinvestigation, and each time, the result has been the same - inconclusive and inadequate. The fact that different credit bureaus have different information further underscores the need for greater scrutiny and accountability in the credit reporting industry. 

In light of these issues, I urge the CFPB to take a closer look at the practices of these credit bureaus and hold them accountable for the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. 

Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX XXXX, while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. 

As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX XXXX Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. 

I have attached the letter for review. 

This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. 

I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Product: Mortgage

I paid an extra mortgage payment towards the next month in addition to the current month so I would always be one month paid in advance. Every year when a escrow adjustment is made to my mortgage payment that extra payment disappears and I am sent bills for the current month. I specifically called wells fargo bank and told them I did not want to put the payment towards the principal but to the future months payment. They put the payment against the principle so I am NOT paid a month in advance after all. Then to make matters worse I get XXXX stratements per month confusing me even more. They take advantage of XXXX and hope they can not keep up with the billing and duplicate billing.statements
Product: Credit reporting

I have previously submitted disputes on my credit report as a result of identity theft and Equifax has not deleted the disputed items, when I dispute they have remained on my report without explanation or method of verification per FCRA Section 611. The items I am disputing as a result of identity theft are : - XXXX , XXXX - Identity Theft - XXXX, XXXX XXXX XXXX - Identity Theft - XXXX, XXXX - Previously deleted and reinserted without notification. Also not my account. 
- XXXX XXXX - Identity Theft
Product: Debt collection

Portfolio Recovery has been threatening legal action against me for a debt that IS NOT MINE. They have called me, harassed me and after disputing this in writing with them on 2 separate occasions, they have continued to say that I owe a debt that I HAVE NEVER SIGNED FOR. I have requested proof of this alleged debt in the form of a contract bearing my signature and they have failed to provide this. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has continuously violated my rights and their practices go against the Fair Debt Collection Practices Act. I am requesting for removal of this account from my credit report IMMEDIATELY. This company has been given several chances to prove the accuracy of this account but they have failed to provide any proof other than a claim that they purchased this debt from another company who I also did not sign an agreement with.
Product: Debt collection

A Law Corporation : Patenaude and Felix from XXXX XXXX, CA, www.pandf.us, sent a collection letter to relatives around XX/XX/XXXX. The letter alleges {$5300.00} is owed on a XXXX XXXX credit card closed XX/XX/XXXX. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in XX/XX/XXXX. It is now almost 15-20 years later and the new collection corporation Patenaude and Felix is attempting to collect on a debt that is no longer owed, and not valid, completely unlawful. In addition, the letter was sent to relatives to their XXXX XXXX which I  have never used.