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

Having meticulously reviewed the Fair Credit Reporting Act ( 15 USC 1681, 602 ), I am both enlightened and resolute in my understanding of its mandate : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX, being consumer reporting agencies, are bound by this statutory duty, and I, as the Sovereign Consumer, command that my private information be protected, as upheld by 15 USC 6801, which declares, " It is the policy of 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. '' The financial institutions that furnish information to these credit reporting agencies fall under this obligation by definition. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) explicitly states : " No consumer reporting agency may furnish a consumer report except in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that no such written instructions have been provided by me to XXXX, XXXX, or any furnisher of information, and any alleged consent, whether verbal, non-verbal, implied, or otherwise, is unequivocally revoked. 

Additionally, pursuant to 15 USC 6802 ( b ) ( c ), " 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. '' I have never been informed of this right by the furnishers of information. This failure constitutes a blatant violation of federal law. 

Moreover, 15 USC 1681c ( a ) ( 5 ) mandates that no consumer reporting agency may include in its reports adverse information predating seven years, except for criminal convictions. Yet, these agencies continue to unlawfully report adverse items without my consent, flouting legal boundaries. 

The furnishers of this information are further restrained by 15 USC 1681s-2 ( A ) ( 1 ) ( A ), which forbids the transmission of any information that is inaccurate or that they have reason to believe is inaccurate. Similarly, 15 USC 1681e commands all consumer reporting agencies to maintain procedures that prevent such violations. XXXX and XXXX have failed in this regard, disregarding the statutes that bind them. 

Finally, under 12 CFR 1016.7, I exercise my unalienable right to opt out of these reporting services at my discretion and at any time. As of this declaration, I am opting out.

Let this serve as an authoritative decree : my rights as the Sovereign Consumer shall not be infringed. All parties are hereby noticed of their violations and compelled to cease and desist from further unauthorized reporting or sharing of my information. 

Signed, By My Own Hand, XXXX XXXX House of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXX
Product: Consumer Loan

Worth finance is in violation of federal and state laws of consumer credit reporting. This account is reflecting open on my credit. It is to my understanding that loans are charged off at 120 days. I disputed this account and it came back as reported accurate, it is impossible for an original creditor to report an account charged off and open at the same time. This inaccurate credit reporting is affecting my civil rights to an accurate credit report and is tarnishing the accuracy of my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information. 
Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information. 
Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made. 
However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule. 
12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Credit reporting or other personal consumer reports

I am writing to address ongoing inaccuracies on my credit report and to notify you that I have maintained a dated and time-stamped paper trail of dispute letters sent to your agency over the past five months. Despite my repeated efforts, the inaccurate information remains unverified and unresolved. 

In my most recent correspondence dated XX/XX/XXXX, I informed you of four disputed accounts with the original creditors, none of which have been verified as legitimate. I am reiterating the specific reasons for disputing each account and demanding their immediate removal under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXXXXXX This is not my account. The account 's primary owner is XXXX XXXX, as confirmed in previous investigations. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX The date last active is incorrect. It was last active in XXXX, and the balance is listed as due when there is none. This inaccurate and unverifiable information must be removed immediately. 
XXXX XXXX XXXX XXXXXXXX The original creditor could not locate information on this account, and I have no obligation with the collection agency. This constitutes an FDCPA violation, and it must be deleted without delay. 
XXXX XXXX XXXX - XXXX The date last active and balance reported are both incorrect and unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX This account should have been deleted per the original agreement with the creditor. Both XXXX and XXXX have already removed it from my credit report, and I demand you do the same. 
Since I have attempted to resolve this matter amicably without success, I will now be moving forward with litigation to protect my rights.
Product: Credit reporting or other personal consumer reports

I am disputing the reinsertion of previously deleted items on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice. 
According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 
I am requesting that these items be deleted from my credit report immediately, and an updated credit report be provided to me. I am now filing a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

Both Experien XXXX XXXX have violated my rights!
Product: Credit card

I literally have not been able to use the Amazon Store Card website for years because it never accepted the password I knew was correct. I eventually gave up and would pay as a guest. Attempts at changing the password would not work because it used an old phone number and would not accept my updated phone number. I was finally able to get into the website after multiple attempts to change the password, and I updated all of my info : password, address, PHONE NUMBER. And yet, when I tried to login again, the website told me the new password it had previously accepted had too many characters. When I attempted to reset the password, it would ask for my old phone number for verification. To be clear, this old number had been deleted from my account when I updated my info. The website refused to text my new number, and requested my government ID to verify my identify, which I was not comfortable with sharing, given years of issue with the website. 

I called an agent for help. She sent me a bunch of links to reset my password. Link after link, the same issue happened. Every method she suggested was something I had already tried. I hung up and called again. The new agent sent me password reset links to my phone, literally four of them. I was able to update my password once after she sent me a specific code to use from her end ... and then, yet again, I was unable to login to the website. 

The website has been all but inoperative for years. Customer service agents are unable to do anything beyond sending links and temporary codes to login, and then the website will not accept your new information -- IF it even lets you login in the first place. 

I must repeat, it has been this way for YEARS. I gave up. When I tried to fix it, I was back to where I started. I am literally unable to log into the website to pay my bill, see my balance, or update my information. The password it accepted as an update is now rejected as having too many characters. Both agents I spoke with were audibly confused. If I want to update my information or payment methods, I must call customer service, fight with an automated system that barely recognizes responses both verbal and input, and then eventually get shuffled off to agents who know nothing about the system they are working with. This is incredibly predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX.
Product: Bank account or service

I used my online Chase Online bill pay to pay for a service that I purchase bi annually. The money was taken from my account and transferred to a Chase account and their check was sent and mailed to the vendor. The vendor deposited it and per Chase, the check was paid. The vendors Bank , XXXX, claims not to have received the funds even though a cancelled check was produced. Subsequently the vendor invoiced me for the service again. I asked for Chase 's assistance in resolving the dispute and it was referred to their Escalation department. They allegedly did an investigation and only told me what I already knew. The payment was supported by the XXXX cancelled check which XXXX does not recognize as valid proof. Even though they probably could have traced the payment and given me some information I could use to defend myself against the vendor, they refused. They would n't even acknowledge the conversation in writing leaving me nothing use to support my case.
Product: Checking or savings account

On XX/XX/XXXX my belongings were stolen. I had to get a new phone and order all new cards. My chime card was used the afternoon of the XX/XX/XXXX for {$12.00} and again on the XX/XX/XXXX one transaction for {$60.00} and another {$28.00} and used again on XX/XX/XXXX for $ XXXX XXXX of XXXX is when I discovered these charges. I had got another phone and was able to look at my accounts..I filed a dispute with Chime and explained how my belongings were stolen. They denied my first claim and sent an email that simply stated they found no errors and my dispute was denied. I called them and they reopened my case. The asked them to provide me with documentation used to determine their decision. They said they investigation team would reach out to me and they would reopen the dispute. They then denied my second dispute the same day. I called back and got told the same thing. They would reopen it and that was all they could do.
Product: Credit reporting or other personal consumer reports

You guys handle my background check for for XXXX a job that I'm trying to start this Wednesday and you guys reported that I gave y'all the incorrect Social Security number which is incorrect. That is my correct Social Security number. I'm XXXX XXXX XXXX. I never had a job I don't have any bills in my name, this is my first job. I don't have anything on my background never been arrested. I'm XXXX XXXX XXXX XXXX XXXX that is my correct Social Security number so I do not appreciate you guys reporting that my Social Security number likely belong to someone else which is incorrect I have proof of my Social Security card and I also have letters from Social Security, that can be provided upon to fix it expeditiously because I'm supposed to start work Wednesday
Product: Credit reporting, credit repair services, or other personal consumer reports

1561 U.S Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I received an email from transworld services Inc, about a debt I owed supposedly from XXXX from XXXX formerly XXXX XXXX XXXX, that is not mine. It contains the amount of {$460.00} and original account numbers and reference number s also states it original came or was sold to XXXX XXXX XXXX XXXX I can forward the email if necessary. I have never had a gas bill that I have had to pay anywhere in Missouri, and I have lived with my parents since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, I was given a notice that that there was two fraud alerts, can '' t get any information on them, who to contact, phone number, etc.. 
My contact is : XXXX XXXX XXXX XXXX XXXX XXXX, mn. XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23, submitted small business application for sole proprietorship in response to advertisement of {$1000.00} bonus if certain conditions were met. Despite repeated attempts to inquire on the status of my application, I have not received a disposition. I am of belief and suspect the slow-walking of the application is tied to the {$10000.00} in credit card funding that was submitted as an opening deposit as this funding option has been removed from the application workflow.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate and conflicting information reported on my credit report by XXXX XXXX XXXX Their misreporting violates federal law and has caused unnecessary harm to my creditworthiness. 

XXXX XXXX initially reported a charge-off on my account, then subsequently updated the information to state I was 90 days late instead. Both can not simultaneously be true, and this inconsistent and misleading reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, furnishers of information are legally required to ensure accuracy in the information they report : 1. Accuracy of Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : Furnishers may not provide information to credit bureaus if they know or have reasonable cause to believe it is inaccurate.

2. Duty to Correct and Update ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly correct and update inaccurate information. 

XXXX XXXX has failed to comply with these legal obligations by reporting conflicting and inaccurate information. Their actions not only misrepresent the status of my account but also damage my credit score and financial reputation. 

I demand the following : XXXX. XXXX XXXX immediately removes the inaccurate charge-off and 90-day late payment information from my credit report.

2. A corrected and accurate credit report is issued and provided to me. 

If these demands are not met, I will have no choice but to escalate this matter by pursuing all available legal remedies, including filing complaints with the Federal Trade Commission and considering legal action for damages caused by this negligent reporting. 

I have attached all relevant documentation, including credit report entries and correspondence, to support my claim. I trust the CFPB will act swiftly to address this matter and ensure my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
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. 

XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, first contacted XXXX XXXX approximately on or about XXXX XXXX about an error on my credit report regarding an Auto loan. Despite repeated attempts, I have been unable to get them to rectify the situation. As a result, my credit score has been adversely affected. I did not give XXXX XXXX permission to run a credit check. I have not authorized this organization to access my credit report. This is a definite violation of my privacy rights. 

Additionally, I do not have an account with XXXX XXXX. XXXX alleged that I owe ( {$8400.00} ) That account does not belong to me. XXXX XXXX 's failure to provide original documents of the agreement in question has called the validity of the agreement into questionable. I tried to dispute it with ALL three credit bureaus, but I wasn't successful. This caused many delays towards my future endeavors regarding the future of my credit score. 

Three Credit Bureaus : Equifax Information Services ( Letter was sent three times ) No results XXXX XXXX XXXX ( Letter was sent three times ) No results XXXX ( Letter was sent three times ) No results XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing you as a confirmation of my most recent dispute. I disputed the XXXXXXXX XXXX  account reporting on my credit report due to their failure to send me validated proof of my ownership of the debt. I am requesting that this account be deleted by you as a bureau because of their failure to adhere to my consumer rights under the FDCPA. This debt is deemed unverified and I want it removed. Attached will be the most recent responses I received from XXXX through the CFPB. You will see neither response has information pertaining to the proof of the debt requested. 

Sincerely, XXXX XXXX.