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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.
Product: Debt collection

Ive got a letter in the mail stating they are trying to collect a {$1600.00} debt from a hospital visit I had on XXXX/XXXX/20 at the XXXX XXXX XXXX XXXX when at that time I had XXXX and had full coverage. Ive been threatened with it being sent to my credit score. Im XXXX XXXX XXXX and am looking to buy a house. I wouldnt want a debt sent to my credit that isnt mine to pay.
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 XXXX5 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize some of the accounts that are reporting to my credit
Product: Payday loan

CashMax loan that was paid for.Now a company is threating me with jail time if I dont pay off the loan. That has been paid. Also says they are trying to collect on behalf of the bank. XXXX who I use to bank with. 

XXXX XXXX was the name he gave meXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Have 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 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 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 the information is inaccurate.

These accounts are reported as verified however In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to the FCRA, the consumer credit bureaus are to conduct a proper investigation by interviewing my friends, family, and associates in regards to my credit information and verifying it as accurate, this was never conducted which is another violation. 

The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Are illegally reporting as a C or CO for collection and charge off on my credit report.

I have named at least 5 violations the credit bureaus have made on my account. I have attached the images in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is reported as closed but still on my credit report reporting as a C which is illegal, this needs to be removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a numerous times and reporting discrepancies, my financial institution failed to investigated my claims adequality.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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
Product: Credit card

I never order 2 credit card. Someone use my theft id Phone XXXX XXXX XXXX JPMCB card -XXXX XXXX XXXX Phone XXXX XXXX XXXX Amazon card I dont have credit card number with me. 

Dont any one advantage of me They stole my ssn card, address That fraudulent transaction Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I BENEFITED FROM NOR RECEIVED GOODS FROM ANY ACCOUNTS OR INQUIRIES
Product: Money transfer, virtual currency, or money service

I woke up this morning ( XX/XX/XXXX ) to see that a {$1000.00} withdrawal was made. I know I did not initiate this so I logged into my Wells Fargo App and saw there was a tele-transfer to some random account for XXXX. This transaction was posted yesterday on XX/XX/XXXX. It must have been after I looked in the morning since I always check all my bank accounts in the morning. I looked through every account I have with all institutions and found that I do not have an account ending in XXXX. ( I know this because the transaction was posted with XXXX ) and a reference number. I contacted Wells Fargo this morning and filed a claim for it. Since then they have suspended my online banking but I still have access to the physical bank, ATM, and my debit cards. I am filing a complaint here because I read that sometimes Wells Fargo and other large banks take an extended period of time and don't give my money back. I asked them to launch an investigation to find out how this happened. I received no email, no token, and no text to confirm that I was the one authorizing this transfer. Wells Fargo needs to step up their banking security.
Product: Debt collection

RSI Enterprises continue to call my home early in the morning up until late night from various different numbers, they leave a message advising that they are a Debt Collector. I have not spoken with them but I do not have any business with them and would like them to discontinue calling my phone number
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting their tradeline on all XXXX of my credit reports. XXXX XXXX has done the same thing to many other consumers as evidenced by the many complaints filed against them with the XXXX. There is a pattern of inaccurate credit reporting by this company and I want them to remove their tradeline from all XXXX of my credit reports.
Product: Checking or savings account

On XX/XX/2023 I received an email that stated my account was on hold by chime. When opening my account I was never asked for any identification documents so I called chime where they requested the front and back of my drivers license. I let chime know that on hand I had my Alabama dept of corrections government issued identity card and could send them a picture holding it. Which they requested from me, once I did that they stated they would not accept it so I told them I go home every Wednesday through Friday and would send the documents on Wednesday. 

On XX/XX/2023 I sent the requested documents multiple times while the representative kept saying the system wouldnt read them. I asked her what would need to be done and she ended the call on me. I sent my drivers license, social security card, and a copy of my water bill. As you can see this is very personal information so for her to end the call then I receive an email saying my chime account has been closed makes me very suspicious that someone in chime is stealing money. I have about XXXX XXXX dollars on this chime account and never had any suspicious activity on my account for chime to do this. I am requesting that chime send me a check with my money from the account
Product: Credit reporting or other personal consumer reports

XXXX data breach in XXXX I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXXXXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the XXXX data breach in XXXX, as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.
Product: Debt collection

I was sent a letter in the mail by Jefferson Capital concerning a debt originally from XXXX XXXX XXXX XXXX. Upon further research this account was transferred/sold to Jefferson Capital and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX You ae in Direct Violation of The Fair Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/2022, I rented a car online through " XXXX. '' using my Amazon Visa credit card. My credit card was initially charged {$310.00} and a further {$110.00} was paid when I picked the vehicle up at the XXXX, Arizona airport. When I received my credit card statement, I discovered that that XXXX XXXX XXXX had charged my Amazon Visa credit card a further {$190.00}. I contacted customer service at Amazon Visa, and informed them that I did not authorize the {$190.00}, and did not know what it was for. Amazon Visa opened a dispute, and sometime later advised me that they had received a reply from XXXX XXXX XXXX in which the merchant stated they did not make a mistake on my bill. Amazon Visa took their word for it, and informed me they believed the charge was valid. 
I asked Amazon Visa to send me the reply from the merchant, and instructions about how to appeal the decision, but to this day Amazon Visa has not supplied the requested information. My receipt from " XXXX, '' shows the total price of this rental car fee to be {$420.00}, and no more.
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed that incorrect accounts have appeared on my credit report, and Im unsure why this happened. I regularly check my credit report, but this time, there were unexpected inaccuracies. I attempted to refresh my browser to determine if it was a simple glitch, but the errors persisted. Therefore, Im requesting a detailed review of the documents Ive provided to ensure this issue is fully resolved and wont recur.
Product: Money transfer, virtual currency, or money service

I have been getting e-mails from Paypal addressed to my partner. I want to " UNSUBSCRIBE '' from them but there is no tab to do this. 

My partner died 8 years ago and I did not know he had an account and DO NOT CARE ABOUT THE ACCOUNT. 
I called the company and was told I need to send a copy of the death certificate and documents showing that I am the estate executor, which is absolutely absurd. 

I've never had a desire to deal with Paypal and with the inexcusable process of simply trying to stop the e-mails, I know I never will.
Product: Vehicle loan or lease

I am writing to file a formal complaint against WESTLAKE FINANCIAL SERVICE. This company may be improperly collecting a debt. Therefore I request all documents of the debt supposedly incurred. In the attached letter you will find more details about my complaint.
Product: Debt collection

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a creditor can not report inaccurate information on a consumers credit report. Since this debt should have been reported under a Tax ID ( EIN ) and not your personal Social Security Number ( SSN ), XXXX has misreported the account, leading to an unfair drop in your score. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires that creditors update and correct information when they discover errors. Since XXXX has never reported your good payment history but suddenly reported a negative item, this constitutes incomplete and misleading reporting, which is prohibited. 

Under 12 CFR 1002.10, creditors are required to accurately report the credit history of an applicant, including timely payments. If XXXX failed to report your on-time payments but only reported the late payment, they are violating your rights by presenting an incomplete credit history. 

inaccurate entry on my personal credit report that has resulted in a XXXX drop in my credit score. This issue is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Equal Credit Opportunity Act ( 12 CFR 1002.10 ) for the following reasons : 1. The business credit card account under my Tax ID ( EIN ) has been incorrectly reported on my personal credit file under my Social Security Number ( SSN ). 
2. XXXX failed to report my good payment history but reported a single late payment, violating FCRAs requirements for complete and accurate reporting. 
3. This incorrect reporting has caused an unfair drop in my credit score, affecting my financial standing. 

As required by the FCRA, XXXX must immediately correct or delete this inaccurate information. I request that : This account be removed from my personal credit report since it was opened under a Tax ID ( EIN ) and should not be affecting my personal credit. 
XXXX retroactively report my on-time payments if the account is to remain on my report. 

Failure to comply with 15 U.S.C. 1681s-2 ( a ) will result in a formal complaint to the CFPB and potential legal action for damages caused by this inaccurate reporting. 

Please update my records immediately and provide confirmation of these changes within 30 days, per the FCRAs dispute resolution timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Checking or savings account

I deposit my paycheck on XXXX XX/XX/2023 to my Chase account, mobile banking showed it would be on hold until XXXX XXXX 2023. 

On XXXX XXXX 2023 I checked my mobile banking again it shows the fund became available. 

On XXXX XXXX 2023 I found my account was closed by Chase without any notice. I visited their branch in XXXX XXXX, CA XXXX and also called their service hotline, they just keep telling me the bank closed my account because the check issuer bank ( XXXXXXXX XXXX ) needed to verify the check I deposited on XXXX XXXX, so that Chase will need to close my account as some sort of procedure. And all my deposit in that account ( around USD {$12000.00} ) was being cut into checks and sent to me via mail, which I should receive them in XXXX week of XXXX. 

I can not understand the rationale of my account being closed due to a need of verication on a single check. If the check needs to veried or there is any problem with it then just reject the check deposit. Now all the fund in my account became unavailable for at least 2 weeks. What if I needed that money during this period? This is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account closed paid as agreed. sold to collections agency
Product: Credit card or prepaid card

A credit card was open fraudulent in my name with capital one ending in XXXX. Capital one is reporting fraudulent activity on my credit report and refusing to do a thorough investigation. My identity was used to open a credit card at capital one bank while i was out of the country. 

I need capital one to take responsibility and accept that they didnt take the necessary steps to protect my identity and avoid fraud. I want the fraudulent account deleted. 

I have attached documents of when I was out of the country, a copy of the police report and a letter from my bank for the fraudulent payment made.