23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXXT Account # : XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXXXXXXXXXXXXXXXXXXXX Account name : XXXX  Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX  XXXX XXXX XXXX Account # : XXXX Account name : XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXXccount # : XXXX Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : 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. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do not owe theses debts and I am requesting a cease and desist immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that XXXX XXXX the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached!

BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

On XX/XX/XXXX, JPMorgan Chase dishonored a check we wrote even though the account had sufficient funds to pay the check. When we called the bank, we were told that the account was blocked because of a fraud issue with a check we had not written. At no time before we called did the bank notify us of the problem or that it intended to dishonor our checks. After we communicated with the bank, the bank informed us via email that before dishonoring additional checks, " Fraud Services will notify you by email and/or phone when outstanding items are presented for payment to confirm if these items should be paid. '' In fact, the bank continued to dishonor our checks and did not inquire of us whether any checks should have been dishonored or paid. In all, the bank dishonored 17 of  our checks even though the account included sufficient funds to pay all the checks. We have suffered significant embarrassment, our credit may have been damaged, and our counterparties may no longer be willing to do business with us. We supplied the bank with a list of the dishonored checks and asked the bank to honor them and to contact the payees of the dishonored checks. The bank did not do either of those things despite agreeing to do so. We want the bank to make us whole by honoring the checks that were dishonored, notifying the payees that the bank made an error to minimize our embarrassment, and notifying the credit bureaus if that should prove necessary to prevent damage to our credit records.. Given that the bank failed to follow its own procedures as stated in its email, we also wonder how common this occurrence is and how many other Chase depositors have been similarly afflicted. We urge the Bureau to investigate whether the bank is conducting appropriate verifications before wrongfully dishonoring checks and damaging consumer relationships with payees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.These items are unknown to me. Also, the information you provided on items are DELETED from other bureaus and I have doubts in their accuracy and they are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I spoke to Chase Credit Card and asked them to remove the late fees because I paid all my credit cards automatically. I spoke to them about the late fee which they mentioned was in error and they took it off, but now they are just leaving the lateness on my credit report which is wrong. 

I called them and informed of the situation, which no body is ready to resolve it.
Product: Checking or savings account

On XX/XX/2021, I tried to access my Revolut account via their mobile app. the app kept crashing and it said they were having techinical issues. 

After I was finally able to log on, I tried to add money to my account via a debit card of another bank account, which did not work. It immediately triggered some sort of fraud flag. 

Via their verification review in their app, they asked me to take a selfie with one of my other connected bank cards to verify it. They additionally asked me to take a selfie with another card that I no longer have because the connected account was closed ( and card shredded ) over a year ago. I kept trying to explain one of the debit cards linked to the account no longer exists to their chat representative ( that's all they offer their paying " premium '' members ). I repeated it several times until she finally got it. And then, boom, I get a notification they have locked me out of my account indefinitely and they don't know when I will be allowed access to my funds. Additionally, they say I can not receive inbound funds, log into my account, transfer funds, etc. 

Moreover, I have a significant ACH transfer on the way to this Revolut account and am concerned because they say they will not take incoming transfers. When I asked " XXXX '' in customer chat if those funds will be returned to the initiating institution he keeps repeating that while they have denied me access to my account, they will keep my funds safe until I pass their " review '' -- - they refuse to answer if my incoming ACH transfer will be returned to my initiating bank. 

I pay for a premium " membership '' for this account that they have now seized without reason. As you can see in the chat, they will not tell me why or when I can access my funds. 
This bank -- backed by XXXX XXXX XXXX -- consistently crashes, locks users out of their funds and provides no real customer service besides chat bots. I spent four hours today trying to get an explanation or answers. 

Before they permanently locked me out of my account, you can see the attached screenshot where the " verification process '' is shown as being submitted on XX/XX/XXXX, but reviewed on XX/XX/XXXX -- when actually this all took place today XXXX XX/XX/2021 ) and not in a time warp. 

These unethical accounting errors, swapped out dates, shutdowns, and technical glitches are common and not to be trusted. 

As you can see in the chat transcript, it took me four hours to get responses and they still do not read for comprehension or answer the questions asked -- just flippant, canned responses -- and now, radio silence. Again, I pay {$9.00} a month for the privilege to speak to a chat bot concerning when I can access my money. Thanks in advance for any assistance you might be able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2023 I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts.

Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
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 U.S.C 1681.

Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX XXXX in XXXX US DEPARTMENT OF EDXXXX ending in XXXX and US DEPARTMENT OF ED beginning with XXXX US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like Experian, Equifax, or TransUnion, then you have to give consumers this notice under the Fair Credit Reporting Act.

Furthermore, your company has violated these additional laws : 15 U.S.C. 1681 Section 602 A : 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 or expressed permission and 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 : 1. Any adverse items 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. 
Deeply XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed my chase sapphire preferred card was getting declined. My balance was {$0.00}, I had no idea what was going on. After, I called Chase to see what was happening. They said that my sapphire and freedom unlimited were being periodically eviewed. I had a credit limit of {$27000.00} on the freedom unlimited, where I had a {$7300.00} balance. I HAD A 0 % APR OFFER FOR 12 MONTHS. That is the only reason I had a balance. 

I called Chase again last night and they said they closed all 3 of my accounts. I had a regular freedom card as well. I pay that off monthly like the sapphire. 

Back in XX/XX/XXXX I had two {$500.00} freedoms which I maxed out and never paid. In XX/XX/XXXX, Chase approved me for {$1000.00} on my new freedom. I have had 0 issues since then. Fast forward to XX/XX/XXXX, I applied for a sapphire and a freedom unlimited. I was approved for a combined {$36000.00}. I have had AGAIN 0 ISSUES. I made some financial mistakes when I was XXXX. The CFPB didn't even exist then. Now, all of a sudden, Chase decides to close all of my cards? I have NEVER manufacture spent or churned cards for signup bonuses. This is beyond absurd. 

I have XXXX points on my sapphire card as well by the way.
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times, most recently in XXXX XXXX to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. 

I am not liable for this debt with XXXX XXXX XXXXXXXX  for {$370.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. 

This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter of violation on XX/XX/2021. It has been more than 30 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Product: Credit reporting or other personal consumer reports

Hello 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 XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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

Despite several written request for TransUnion to do a reasonable investigation into this matter, TransUnion continues to report inaccurate information on my credit file. 
TransUnion is reporting an incorrect account status, pay status and account history for XXXX XXXX. TransUnion is reporting a dismissed bankruptcy and charge off status for XXXX XXXX. 
TransUnion has confirm with me by phone that they obtain information on a bankruptcy through a third party vendor known as XXXX. How is this possible? As of XX/XX/2019 there is no bankruptcy reporting on my XXXX file. 

TransUnion is also reporting and erroneous collection account from XXXX XXXX XXXX. This account does not belong to me and there is no original contract that exists between myself and this collection agency.
Product: Credit reporting or other personal consumer reports

Here is the revised dispute letter incorporating the details you provided : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] Subject : Dispute of Unauthorized Credit Report Access Dear [ Credit Bureau Name ], I am writing to formally dispute the unauthorized access of my credit report, as indicated in my recent credit report review. Under 15 USC 1681b, credit reporting agencies are only permitted to furnish a consumers credit report for specific permissible purposes, such as with the consumers consent or for legitimate business needs.

Upon reviewing my credit report, I discovered the following inquiry that I believe was made without my consent or for any permissible purpose : XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Inquired On : XX/XX/XXXX On Record Until : XX/XX/XXXX This inquiry does not appear to meet the requirements set forth under XXXX5 USC 1681b. Therefore, I respectfully request that you : 1. Investigate the legitimacy of this inquiry.

2. Remove the unauthorized inquiry from my credit report.

3. Provide any documentation or evidence supporting the legality of this inquiry. 

I have attached a copy of my credit report with the inquiry highlighted, along with a copy of my government-issued identification and proof of address for verification purposes. 
Please respond to my dispute in writing within the 30-day period required by law. If this matter is not resolved to my satisfaction, I may escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) 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.

Did I give you written instructions to furnish the accounts listed below on my consumer report? 

No. I most certainly did not. 

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Debt collection

I received a notice from my local magistrate court that i was being sued, I immediately responded asking the debt collector ( Ratchford Law Group ) to validate the debt according to the FDCPA, ( copy of the letter is attached ) I gave the company the allotted 30 days, the company responded with alleged bills they assert are from the account they are suing me in court for, i responded to them again to re-enterate that the information i am requesting was ( NOT ) sent!!! 
i re-sent a copy of the certified request for validation along with an Opportunity to cure/default letter signed under penalty of perjury, i gave the company an additional ( 7 ) days to correct the error, the company hasn't responded and this situation is causing mental anguish, money, time and t is destroying my credit profile