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

Approximately one year ago, I went on line to freeze my credit account at Equifax. 
I signed up and created an account just as I had for the other two credit bureaus. 
However, Equifax said that I could freeze my account at that time. 
I thought that was strange, but I let it pass and figured I would try again later. 
It was later that I heard about the data breach at Equifax, and thought maybe that was the reason for this. So I put doing the freeze on hold until today ( XX/XX/2019 ). 
I again, tried to put a freeze on my account, but the on-line system said I should call them. 
So I did. 
I spoke to someone and was told that based on the information I provided on signing up, I could not freeze my account on-line. When I ask why, I was told that they did not know, just that I could not use the on-line services. I then spoke to supervisor XXXX XXXX employee number XXXX ), and after going through the whole verification process and holding on again, she said the same thing. I could not use the on-line services, there was no way to correct the problem, and no one to talk to who could correct the problem. That was just the way it was and there was nothing they could do to fix it. 
So, I can not freeze my credit info at Equifax, and they offer no way to correct this problem. My credit is vulnerable ( especially with a company that already had a data breach ), and I am given no method to fix the problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX- XXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I submitted a dispute to Equifax in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting Equifax they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus Equifax yet now that same Bureau is not acknowledging my dispute towards items they expose me of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information whichcannot be verified or reported inaccurately. '' The law is noticeably clear as to the Civilliability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA. I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXX # XXXX, OHIO DEPT OF HUMAN SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX  ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately
Product: Payday loan, title loan, or personal loan

I have been victimized by XXXX XXXX XXXX XXXX and THE XXXX CIRCUIT CLERK OF COURTS PUBLIC RECORDS BANKSTERS AND JUDGESTERS ON A ROTATION OF DOCKETS AND REFUSAL TO FOLLOW THE RULE OF LAW. RECORDING ANYTHING LAWYERS HAVE WITHOUT OVERSIGHT THAT IS ILLEGAL BIAS AND FRAUD. SUNTRUST BANK LAWYERS AND DIRTY LAWYERS CREATING FRAUDULENT MORTGAGES AND REFUSING TO RELEASE THE {$0.00} Balance that is what I need today. Truist XXXX XXXX XXXX XXXX will not give satisfaction of loan that is {$0.00}. XXXX XXXX at Suntrust facilitated this fraud with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I no knowledge of this account or address that claims Ive be associated with on my credit report
Product: Credit reporting or other personal consumer reports

I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XXXX addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.
Product: Credit card or prepaid card

USAA answers that ( other credits ) {$2600.00} on my XX/XX/2019 were applied to the balance.. 

Balance. {$1.00}, XXXX, XXXX other credits. - {$2.00}, XXXX - {$1500.00} New purchases. {$860.00} without reversals. 

Balance USAA. - {$710.00} owes me. 

Statement boldly states TOTAL CREDITS FOR THIS PERIOD {$910.00}
Product: Payday loan, title loan, personal loan, or advance loan

I contacted Citizen 's Bank on XX/XX/year> as I was unable to make an online payment on my account or setup an auto payment beyond the minimum payment due. The loan I have is for financing XXXX ebikes through XXXX and the financing arrangement was 12 months interest free followed by 29.99 % interest if not paid in full. I have just spent the last hour trying to make a payment and setup an auto payment to pay the balance within the year as to not be charged the additional interest payments and have still been unsucessful in doing so. I told them I thought it was criminal how difficult they make it to pay off early and that I would try and let others know not to use Citizens Bank or Citizens financing in any way if they can avoid it. I certainly will never use them. They are not an ethical company in my opinion.
Product: Debt collection

These people call repeatedly The person they are looking for is not at this number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found XXXX XXXX was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the XXXX XXXX and was verified. 

I m requesting a full removal of the account from my credit report.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you of my attempts to resolve inaccuracies on my credit report with Equifax, as of XX/XX/XXXX. I have contacted Equifax regarding the following incorrect information, but to date, I have not received a response. I would like to report the following inaccurate information and request the necessary corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX XXXXXXXX number account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the following accounts listed below are fraudulent and were opened without my consent it is against consumer law to report fraudulent accounts on consumer credit reports Experian fraudulent accounts XXXX XXXX XXXX  {$1100.00} Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I have tried to contact affirm about transaction purchase ID is XXXX.nobody wants to call me back the shop I used didnt flash my XXXX damaged a brand new XXXX
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 Number : XXXX  : Account XXXX XXXXXXXX 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 XXXXXXXX XX/XX/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: Checking or savings account

On XX/XX/XXXX I noticed that I had a pending/hold on my Bank of America in the amount of XXXX. I called the customer service number and was told that I needed to go into a Financial center with XXXX forms of ID, to confirm my identity. On XX/XX/XXXX I went into the BoA financial center on XXXX XXXX. XXXXXXXX XXXX. I took in my drivers license and birth certificate. The representative tried to be helpful, she was equally confused as when she called the corporate number, no one could properly explain why my account was frozen. She was informed that she needed to email a particular individual to inquire about my accounts. She requested her manager to verify that she was indeed supposed to do so. They looked up the email given and it was verified that it was a BoA staff member. She emailed and was promptly emailed back asking if she could take a call. The individual called and spoke to the local representative. They did ask what was the source of my income was. I explained that I received international transfers for child support, and I was XXXX for others. They did not give any explanation and said that I should expect a call or email from them. That there was nothing that they could tell me. I have called several times trying to find out what I could do to rectify this situation. I have been repeatedly been told that there is nothing that I could do. I simply had to wait. Each time I was read a scripted response, that they could not tell me anything. I recently started a LLC with a partner that was focused on buying properties through the tax sales, and rehabbing homes that were in distress. The week prior to this issue we spent XXXX in the XXXX XXXX XXXX XXXX, and a additional XXXX in the XXXX XXXX XXXX XXXX. Those successful bids had to be paid for by the end of business by certified check or cash. We utilized both as we were not certain of the exact amount of our successful bids until the time to pay. I am very concerned that a financial intuition has overstepped their bounds by questioning how or what our business does. It is not illegal to buy property at a tax sale. Those sales are held by our local governments. As of now all my personal and businesses are frozen. I have not received notice from the bank. Nor has my business partner.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft. 
I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report about me to any 3rd party, and I have a right to privacy which is attached to this complaint. 
Equifax XXXX XXXX and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ). 


U.S. SUPREME COURT RULING- NO CORPORATE JURISDICTION OVER THE NATURAL MAN.Penhallow v. Dane 's Administraters ( 3 U.S. 54 ; 1 L.ed. 57 ; 3 Dall. 54 ), A corporation can neither practice law nor hire lawyers to carry on the business of practicing law for it.

( People V. California protective Corp'n, 76 cal app 354, 244 pac. 1089 ) I, the alleged debtor, the federally protected consumer, a natural living being of majority status, and not an infant/minor will also Subpoena an IRS 1099 Compliance Audit from Debt Buyer, Debt Collector, Original Creditor and any Party in Interest of the alleged debt if litigation is required ( DBA v Snow, 2006 ).

Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist.

Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice
Product: Credit reporting, credit repair services, or other personal consumer reports

Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I had a capital one credit card opened up in my name over a year ago and there is an outstanding balance in my name that I had nothing to do with. Ive contacted everyone I can and the problem is still there because it comes back to me. Ive never owned a credit card in my life and was trying to get one, but my credit has tanked because of this fraudulent account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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