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

This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 



This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account. 



Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist. 



Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 



his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately. 



Best Regards,
Product: Credit card

Multiple hard pulls of credit report for credit application On XXXX XXXX 2016, I applied for Synchrony Bank WalMart store card. At the end of the application, I was told to call an XXXX number to verify some info. I called on XXXX XXXX. I was told my physical address is needed in addition to the XXXX XXXX I had stated on my application. I gave the customer service associate my physical address. At this point Synchrony Bank ran my XXXX report again for a second for the same application. On XXXX XXXX, I had applied for a Lowes Sycnhrony store card. I received a letter in the mail asking me to send info about my physical address. I sent to Synchrony Bank, the info they requested and the letter was received on XXXX XXXX. Again Sycnhrony Bank ran my XXXX report for a second time. Thus, for an application for XXXX Synchrony Bank cards, this bank ran my XXXX XXXX report four times. I had applied for a XXXX XXXX card and I was told to call to provide my physical address. I did and my report was ran once, which was the date of the original application, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App [ Block , Inc. ] due to inadequate customer service and unpair practices, which violate the Consumer Financial Protection Act [ CFPA ]. Specifically, Cash App failed to address the fraud problem, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act [ EFTA ] and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/year>, I initiated a transfer of funds from my Cash App account into my XXXX XXXX  account. The amount was XXXX XXXX Dollars ( {$10000.00} ). 

As of today, XX/XX/year>, when I look at my bank statements, the money was debited from my CashApp account and has never been credited into my XXXX XXXX XXXX  account. 
I have reached out to both CashAPP and XXXX XXXX  regarding the whereabouts of the money. CashApp claimed that the money was sent. XXXX XXXX  claimed that they never received the money. 

I have tried to have them call each other to sort things out but they both claimed that it is not possible. I have contacted the XXXX XXXX XXXX and they have not been able to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Bankrutcy listed from 2016 on my Experian Credit report for years and as recent as last month. I have requested written verification and the company 's name that experian is receiving this bankruptcy information from. Experian will not supply this information. The Public information is INACCURATE.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally dispute and request the removal of multiple unauthorized inquiries reported by TransUnion that appeared on my credit report. These inquiries were conducted without my consent and are adversely affecting my credit score.

These inquiries were made without my authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, any inaccurate or unauthorized inquiry must be removed to maintain the accuracy of my credit report.

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

Last year I was notified that I have a collection reporting to Experian and XXXX from a timeshare with a balance of XXXX. I have contacted XXXX XXXX XXXX ( on XX/XX/2023 and XX/XX/2023 ) and asked or some type of signature, ID, or anything that the person provided when using my name and social to sign up for the timeshare. The representative told me I have to file a police report and notify Experian and XXXX. 
I then reached out and filed a dispute with Experian and XXXX. I sent letters of dispute in XXXX, I waited 30 days and sent another in XXXX asking for validation that this is my debt. They responded, but they only sent a copy of my credit report, without actually investigating. I sent another round of letters on XX/XX/2023 and I got the same response. In my last response, I asked them to provide the name and business addresses of each individual with whom they verified the collection with, the date they contacted them, the method of communication, and a provided signature or identification they have on file.
Product: Credit reporting or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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: Debt collection

A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Product: Credit card

e I closed my account 18 months ago at Capital One. I keep sending me emails that say, 'just making sure you are still using our online portal system. '' That is totally bogus. Of course I will not be using your system as I am not a customer. CapitalOne need to delete my account and all my person information in their system. 

Today I got a warning from their company CreditWise that said, " you need to login, things have changed '' meaning that they are possibly warning me of a scam. You need to delete your customer 's information when they leave your system. Retaining this information is highly risky and illegal and should be banned.
Product: Debt collection

i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

MY BOYFRIEND TOTALED MY CAR ON MOTHERSDAY AND I AM STRUGGLING TO GET BACK ON MY FEET AFTER THE ACCIDENT I HAD TO BUY 2 CARS TO GET A WORKING CAR. I BOUGHT A USED CAR WHICH COULD NOT PASS INSPECTION AND THEN I HAD TO BUY A SECOND CAR TO REPLACE THE CAR THAT COULD NOT PASS INSPECTION I HAD A SMALL OVERDRAFT WITH MY BANK AND I WAS WAITING UNTIL PAYDAY FRIDAY TO STRAIGHTEN IT OUT ACCORDING TO THE BANK WEBSITE AND WHAT I HAVE BEEN TOLD IN THE BRANCH YOU ARE ONLY SUPPOSED TO BE CHARGED 3 OVERDRAFT FEES CHASE BANK CHARGED ME 5 OVERDRAFT FEES CAN ANYTHING BE DONE TO STOP THIS FINANCIAL ABUSE ON A XXXX XXXX XXXX WOMAN
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am over the age of XXXX and am a resident of the State of Texas. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. 1. SANTANDER IN REFERENCE TO ACCOUNT # XXXX 2.I CANCELLED MY CAR WARRANTY WITH XXXX, XX/XX/XXXX 3.THEREFORE I WAS DUE BACK THE BALANCE OF {$2300.00} 4.XX/XX/XXXX XXXX REFUNDED THE XXXX TO SANTANDER BECAUSE THEY ARE THE LIEN HOLDER. 5. I HAD A ACCIDENT XX/XX/XXXX, DUE TO THE INSURANCE TOTALED THE CAR AND PAID OFF THE ENTIRE CAR XXXX, BY XX/XX/XXXX. 6. LEAVING THE BALANCE OF {$14000.00}, IN WHICH SHOULD HAVE BEEN A BALANCE OF {$2300.00} LEFT, DUE BACK PAYABLE TO ME THE CUSTOMER, XXXX XXXX THAT IS ME. 7.SANTANDER CONTINUED TO DEBIT MY ACCOUNT FOR THE CAR PAYMENT AFTER BEING PAID OFF, BY THE INSURANCE. 8. SO BY XX/XX/XXXX SANTANDER WAS COMPLETELY PAID OFF IN FULL AND THEY STILL TOOK THE PAYMENT OF XXXX FROM MY XXXX ACCOUNT OF WHICH I HAD TO FILE A CLAIM WITH XXXX TO REVERSE THE {$520.00} 9. SUMMERY I REQUESTED THE {$2300.00} PLEASE BE PAID BACK TO ME FROM SANTANDER, AND TO REPORT ON MY CREDIT REPORT THE CAR BEING PAID OFF IN FULL, AS OF XX/XX/XXXX, MY CREDIT REPORT IS STILL SHOWING XXXX WHICH IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is showing incorrect on Transunion, XXXX and XXXX . The amounts, date opened, date reported and remarks are all different. this is not consistent, accurate or complete information. This should have been resolved in 2021. With XXXX it is showing paid and closed with a {$0.00} balance. This is a violation. This also shows willful noncompliance with Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX, XXXX, and XXXX keeps reporting an account that does not belong to me. I have disputed and informed XXXX that this is not my account and they fail to remove it and keeps reporting this as an accurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is a second notice please see ( Disputed on XXXX XXXX ) The following account is not mine. Please update or remove from my account. Thank you. 
XXXX XXXX XXXX The following inquiry was not made or authorized by me. Please remove from my credit account. Thank you. 
XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribed to a trail product and cancelled it 2 days before and got a confirmation email and they still charged my card. I called my bank which informed me that I should contact them first so I did and held on the phone for over 2 hours. Still no answer. This unacceptable when they know they took money that they weren't authorized to get. Amount of XXXX  and XX/XX/18
Product: Credit reporting or other personal consumer reports

CHEXSYSTEMS, is in violation of multiple laws set forth by Congress in regards to the following account # 's XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CHEXSYSTEMS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CHEXSYSTEMS ) shall not furnish any information relating to a consumer ( XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. CHEXSYSTEMS, can not report on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX for XXXX cancelled debt of { { XXXX } } or from XXXX XXXX  for the cancelled debt of { { {$2000.00} } } in order to file as ordinary income. Where is my XXXX? XXXX XXXX XXXXXXXX XXXX are clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX  must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX  terms and conditions they agreed not to share my information with non affiliates. CHEXSYSTEMS is not an affiliate of either XXXX OR XXXX XXXX  nor is it a " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX XXXXXXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX - XXXX
Product: Checking or savings account

My name is XXXX XXXX, I have been a loyal chase customer for over 10 years. I have multiple accounts, credit cards, and a home mortgage loan with Chase. 

Recently, I have been scammed on XXXX via XXXX which is connected to my chase app. I bought two items off of XXXX and have not received the items because the accounts are not real businesses. They provided me with a fake invoice and fake tracking information. I was told on the phone by Chase that there is nothing Chase can do about this. I think that this is absolutely unfair as I have been completely scammed and Chase is offering no assistance what so ever. Again, I have been a loyal customer for over 10 years and I have requesting that Chase refunds me for both of these XXXX transactions- I have attached a screenshot of the fake website that is showing fake tracking information to prove that I have been scammed. 

If need be I will provide details of the XXXX interactions to prove that I have been scammed. 

If Chase has no intentions of resolving this, I am unfortunately going to have to close every single one of my accounts and switch banks. I will also have to be getting an attorney involved in this as well as a police investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX/XXXX/2197 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have worked with XXXX XXXX, XXXX, and Equifax regarding information that is outdated, incorrect balances, and a mortgage that was paid in full. This includes slimly companies who do " rental checks '' and claim they have the correct information, when in fact, it is inaccurate and there was a freeze on the account to obtain the information without consent. 

XXXX provided a letter to me indicating the information was inaccurate and that XXXX XXXX, XXXX, and Equifax never called them about an investigation or that the right information would have been given. 

When paying off my mortgage ahead of time, all three credit bureaus have REMOVED the paid-off mortgage from their reports - a vital piece of information that they utilize in their so-called " credit '' algorithms. 

When paying off a car loan in advance due to an inheritance- they still have retained the wrong information about the loan and when submitting paperwork with the pay-off- they ignored the correct information. 

These " valid companies '' need to be brought before the proper Senate and House Committees in public to explain their faulty management, irregular algorithms, and why they remove vital information such as paid-off mortgages and car loans. 

Too much power over individuals ' credit has been given to these XXXX credit bureaus and now outside companies, such as rental application companies, who have no experience in credit determination, nor do they give a valid reason for denial or request correct information and use that for corrections. 

They NEVER believe the consumer who has documentation, the " investigators '' ignore true FACTS to engage in Anti-Trust schemes controlling the loan and banking markets with inaccurate and false information.
Product: Payday loan, title loan, personal loan, or advance loan

I have been making consistent monthly payments that I can afford. While these payments have been taken/accepted by 1st Franklin , according to them, I'm behind in payments. Instead of reworking the payment based on the remaing balance, they continue to harass me even after being told of my recent XXXX and inability to pay initial amount.