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 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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

THIS IS A NEW COMPLAINT Recovery One collections  agency continues to fraudulently use my credit report as retaliation for my complaints with CFPB. On XX/XX/XXXX they responded that " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, Recovery One in fact submitted a " New Collection '' on my credit report. They then responded on XX/XX/XXXX " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the item remains on my credit report. Using my credit report as a retaliatory response to my filing complaints with CFPB is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$940.00} {$940.00} {$940.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$940.00} {$0.00} {$940.00} Credit Limit : {$600.00} {$600.00} {$0.00} Past Due : {$940.00} {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting or other personal consumer reports

I recently discovered several fraudulent accounts on my credit report, which I did not authorize or apply for. These accounts have no merit and are the result of identity theft. 
They include : A XXXX XXXX XXXX XXXX loan with a balance of {$34000.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$9900.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$1400.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$260.00}. 
Another XXXX XXXX credit card ending in XXXX, with a balance of {$420.00}. 
A XXXX XXXX XXXX XXXX XXXX with a balance of {$33000.00}. 
A XXXX XXXX XXXX credit card ending in XXXX, with a balance of {$320.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$3200.00}. 
Despite my repeated efforts to resolve this issue, including filing an FTC Identity Theft Report and disputing these accounts directly with the creditors and credit reporting agencies, the fraudulent accounts remain on my credit report. 

I have reported Transunion to the Office of the Attorney General ( OAG ), the XXXX  Department of Financial Protection and Innovation ( DFPI ), and the Federal Trade Commission ( FTC ) for failing to address the harm being done to me under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that fraudulent accounts must be promptly investigated and removed. I request immediate action to have all these fraudulent accounts permanently removed from my credit report. Additionally, I ask that the companies involved comply with their legal obligations under the FCRA to resolve this matter swiftly and ensure no further harm is done to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX. My credit report states that I had an additional hard inquiry XX/XX/XXXX prior to me securing a car loan. I am trying to establish my credit to open up a small business with my husband and every point counts as I am sure you know. The car dealership told me that the loaning agencies would remove the other hard inquiries that I did not secure a loan with.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX | XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX **Subject : Formal Demand for Permanent Deletion of Inaccurate WEST CENTRAL TEXAS COLLECTION Account ( XXXX ) Under XXXX XXXX Compliance and FCRA** To Whom It May Concern : I, XXXX XXXX ( SSN : XXXX, DOB : XX/XX/XXXX ) XXXX formally dispute the inaccurate reporting of the WEST CENTRAL TEXAS COLLECTION account ( XXXX ) on my credit reports. This account violates **XXXX  XXXX compliance standards** and the **Fair Credit Reporting Act ( FCRA 611 ) **. I demand its **permanent deletion** due to the following violations : -- - # # # **Metro 2 Compliance Violations** 1. ** 3.3.5 ( Inaccurate Original Creditor ) : ** - **XXXX** : Lists " XXXX XXXX XXXX '' as the original creditor. 
- **XXXX** : Lists XXXX WEST CENTRAL TEXAS COLLECTION. '' - *Violation* : XXXX XXXX requires uniform and accurate creditor information. 

2. ** 3.2.2 ( Invalid Account Type ) : ** - Reports the account as an " Open account '' ( XXXX ) instead of a **debt collection account**. 
- *Violation* : Misclassification breaches XXXX XXXX account type guidelines. 

3. ** 3.2.1 ( Missing Status Information ) : ** - **XXXX** : Fails to report the accounts status ( e.g., " In Collections '' ). 
- *Violation* : XXXX XXXX mandates clear status codes for transparency. 

XXXX. ** XXXX ( Duplicate Remarks ) : ** - Repeats " Account information disputed by consumer '' ( XXXX ). 
- *Violation* : XXXX XXXX prohibits redundant remarks. 

XXXX. XXXX XXXX ( Invalid Payment History ) : ** - Reports " No payment history available '' despite being a collection account. 
- *Violation* : XXXX XXXX requires accurate payment history for collections. 

XXXX. **XXXX  XXXX ( Failure to Flag Dispute ) : ** - Omits **Compliance Condition Code " XXXX '' ** despite disputes. 
- *Violation* : XXXX XXXX mandates dispute flags for consumer transparency. 

-- - # # # **Legal Basis for Deletion** Under **FCRA 611 ( a ) ( 1 ) ( A ) **, credit bureaus must conduct a " reasonable reinvestigation. '' WEST CENTRAL TEXAS COLLECTION failed to : - Provide verifiable proof of debt ownership ( e.g., signed contract ). 
- Report a valid original creditor or debt transfer documentation. 
- Apply XXXX XXXX codes ( e.g., Compliance Condition Code " AH '' ).

-- - # # # **Demand for Action** 1. **Permanently delete** this account from all credit reports. 
XXXX. **Investigate and correct** systemic inaccuracies. 
XXXX. Provide a **Method of Verification ( MOV ) ** confirming compliance. 

**Failure to resolve within 30 days** will result in : - Escalation to the **Consumer Financial Protection Bureau ( CFPB ) **.

- Legal action under **FCRA 616** for willful non-compliance. 

-- - # # # **Attached Documentation** 1. Credit reports ( XXXX, XXXX, XXXX XXXX. 
2. Screenshots of discrepancies ( XXXX, XXXX, XXXX ). 

-- - **Certified Mail Tracking # ** : [ Insert after sending ] Sincerely, XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX | Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted XXXX, Cascade Capital LLC & XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called XXXX & Cascade Capital LLC. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XX/XX/2017, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

XXXX Cascade Capital LLC
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 XXXX, Equifax 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 XXXX XXXX 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 XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax 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, Equifax, XXXX 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 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. XXXX XXXX, Equifax 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: Mortgage

Our taxes to XXXX XXXX, IL from our escrow account were paid twice by Shellpoint Mortgage Services in error. For months, we have requested a refund to our escrow account to no avail. We have spent countless hours on the phone with Shellpoint and there has been no resolution provided over our {$1300.00} overpayment. We did not submit this overpayment or request our mortgage to be transferred to another bank. We have made every payment on time. Shellpoint claims XXXX XXXX is supposed to issue us a refund and the county says they have. Shellpoint is not being helpful and we've run out of options and don't know what to do.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/XXXX I notice that Check XXXX XXXX was taking money form my checking account. I previously has a loan with XXXX XXXX XXXX so i went to their office in XXXX California to inquire as to why money was still being drawn from my checking account since the loan had been satisfied. I was informed by the store XXXX that they had an employee who took numerous loans in the name of various customers and that we would not be responsible to pay that loan back and the money that was withdrawn from our account was returned and I also changed my checking account number on XX/XX/XXXX. I was not asked for nor contacted regarding any repayment of this loan until I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX. This is beyond the allowed time for requesting payment per the legal statute of limitations. In addition, the account reads as a medical account on my credit report. I need this report removed from my credit report from all three major credit reporting agencies and all attempts to collect this debt be stopped immediately.
Product: Debt collection

The final invoice that was given to me by the apartment complex is different than what was presented to me by the collection agency. The reporting is inconsistent and should not be allowed to report to the credit bureaus.
Product: Debt collection

It was revealed to me through my credit report that this charge is inaccurate. I did not authorize this account. I would like this account immediately removed from my Equifax report. 

Account XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the of the consumer. 

I would like this account to be removed from my credit profile.
Product: Credit card or prepaid card

Victim of intimidation, extortion, and even XXXX. 
Begging for Discover to do what is right, and stop trying to nickel and dime me whenever I do not have a job, a vehicle to drive, and survived a horrible, horrible accident. I have rights and have been taken advantage of by Discover and other financial institutions. Realize they contacted me even after they were " closed ''. It proves I am correct and if more people do not pay attention or demand more accountability they too will be targeted, victimized, and even XXXX 'd etc. ( if not already have been ). 
Discover has every customers social security # etc. this information is traded and disseminated at a level that many consumers are not aware about. Why do you think your name is in all caps whenever you receive something via mail? 
You are treated like a corporation. The customer is supposed to be protected and have rights. This is a lot of money and power concentrated with access to large volumes of information on banking customers. 
No one is spared, this is done to maximize control, power, and leverage combined with A.I. capablities the general public and government themselves are still learning about and trying to understand the full lengths of. I have requested Federal Witness Protection, and could not even buy water, Wednesday XX/XX/ -that is a basic essential to survive! That is the level of power and influence that Discover etc. has. 
I have been in Fear For My Life and requested Federal Witness Protection days ago, and am a minority. I had an unmarked, black and white police car with no overhead lights above it ( looked like a crown vic ) that followed me down a boulevard that your tax dollars pay for customers as well as college police outside where I live Wednesday XXXX XXXX XXXX  This can not be exaggerated. I have been targeted, surveillanced, watched, and so on for days! I was contacted by all my banking institutions etc. within 24 hours Wednesday, XXXX XXXX XXXX  Thursday, XXXX XXXX XXXX I pray that every customer that knows about CFPB will see this and that my words will be heard, my life spared, and that the people who have done this to me will be exposed, and prosecuted to the fullest extent of the law. I have lived in fear, been withheld of my basic diginity and rights and damages suffered incredible damage as a result, and have requested Federal Witness Protection multiple times. 

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

In accordance to the Fair Reporting Act XXXX Account - 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.
Product: Credit reporting or other personal consumer reports

There is a charge off account on my credit report that should not be on there this is hurting my credit I ask that you please re-investigate this matter in this removal this from my credit report please an thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the three bureaus regarding my personal information. Its been a 4 months since I've sent out these letters and have yet to receive any changes. Or a response from the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Company Name : XXXX XXXX XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 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

The CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am receiving aggressive collections notices from Purdue, Brandon, Fielder, Collins, and Mott, LLP XXXX, TX XXXX. This company claims to be representing a XXXXXXXX XXXX XXXX XXXX In XXXX XXXX for a debt that I owe. I do not owe this debt and I have to them and called them to explain that any fine must be fraudulent. I have never lived in that county or town. I have received letters from them for years claiming that I owe a traffic fine, but when I disputed that they claimed that it is hot checks. I am tired of there harassment. Their office has threatened repeatedly to have me arrested. I have never received one notice from the county 's government offices about what I owe, but still this law office claims that I owe something that I could not possibly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX, XXXX Representative, Natural Person, In Propria Persona : XXXX XXXX XXXX, XXXX XXXX : All Rights Reserved : U.C.C. 1-207/ 1-308 ; U.C.C. 1-103 c/o XXXX XXXX XXXX XXXX, PA XXXX XXXX ] Non-Domestic On XX/XX/2023, I did attempt to appeal the decision made by Equifax who has declined XXXX request for removal of Adverse information. 

Confirmation # XXXX Dear XXXX XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. 

For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file as a result of your request : To determine the outcome of your request, Equifax reviewed your request and accompanying documentation, as well as the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. 
The Victim states that he is victimized again by attempts by Equifax to stultify the creditor via deceptive business practices which include but are not limited to ; hanging up, and failing web page logins. 
Victim declares that the Following is A Filed Criminal Complaint and meets the Bureau requirements for Victim of Identity Theft Verification Documentation pursuant to 605C ( b ) VERIFIED COMPLAINT Pursuant to 22 U.S.C. 7102 ( 11 ) SEVERE FORMS OF TRAFFICKING IN PERSONS Title of Collection : Case No : XXXX Order Date Filed : XX/XX/2023.