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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I received a notice that a case had been filed against me by Eagle Loan and they were represented by XXXX XXXX XXXX Firm in XXXX, XXXX I had not one time ever received any notices/calls from Eagle about this issue. When I received this notification I reached out to the law firm to see what I could do. I have been waiting to get a response and nothing... I have attached all the emails where no one will assist me with this. 

Case number 2021 CVF XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase routinely violates the law on disputes and fails to : 1 ) Perform an investigation and provide documentation - no documentation or evidence that any investigation or review was performed has been provided to date.

2 ) Provide a clear explanation of what is owed and why ; provide documentation supporting the validity charge - no documentation and on explanation was provided at all.

3 ) Provide proof of purchase or signed sales receipt - no documentation was provided at all.

4 ) Resolve disputes within 2 billing cycles or 90 days - this charge was 149 days ago.

A specific example is cited in the attachments.

The ONLY information ever provided by Chase is attached and does not satisfy ANY of the four requirements described above. This is their standard operating procedure for virtually all disputes. All communications regarding this issue are either ignored or met with form letters such as the attached that do meet the requirements of the law 's consumer protections ( see attached ).
Product: Credit reporting or other personal consumer reports

I never gave Equifax, XXXX, or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. I have made multiple attempts by phone and mail to resolve the matter but they continue to negatively effect my livelihood, reputation, and ability to secure credit. 

They do not have any permissible purpose to furnish my personal information to any third party as I have the right to privacy per 15 USC 1681a. 

15 USC 1681b Permissible purpose 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am aware of my federal rights as a consumer now. The company, and or agents are negatively affecting my ability to secure credit/loans. Furthermore, a charged off account is in tern considered income for the company in respect for tax purposes and income can not be furnished on a consumer report either. Again, this is not a request that the below referenced accounts/items be removed from my consumer report, but rather a DEMAND. I'll allow 15 days from receipt of this complaint to comply and remove the listed accounts before I begin to take legal action, seeking the highest remedy and resolution in court. 

As a consumer, I am demanding a deletion of the following account ( s ) : 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
Product: Credit reporting or other personal consumer reports

I wish to contest the inaccurate items listed on my credit report. I have reached out to XXXX, XXXX, and TransUnion with letters regarding my disputes, but they have not responded. : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXX/XX/year> {$0.00} U.S. Bankruptcy Court {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} US BKPT CT XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} U.S. Bankruptcy Court. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}
Product: Payday loan, title loan, or personal loan

This letter is to advise the Consumer Financial Protection Bureau of Lending USAs complete disregard for the terms and conditions that govern the, what I believe to be a usurious, consumer loan. Since XX/XX/XXXX Lending USA has not correctly applied the payments made as set in the contract signed XX/XX/XXXX. 

A letter containing relevant documentation will be attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

Synchrony Bank is charging me fees after receiving my payment on time and over the minimum requested amount. The XXXX payment due on XX/XX/year> was paid using my banking institution. My payment was received and credited to the Amazon/Synchrony account on the due date of XX/XX/year>. I spoke with a representative of Synchrony Bank and she credited the late fees stating that their processing time made it late. How is that my problem? I paid XXXX dollars on XX/XX/year> when the minimum due was XXXX. Now they are coming back stating that i did not pay them enough and calling it a Missed payment. Had i known that Amazon used Synchrony bank i would never have applied for this credit. i have the details to send to you from both accounts my bank and synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Earlier this year I noticed that my XXXX Credit File appeared to have an outstanding collection from the Creditors Bureau Associates for {$380.00}. I have reached out to this company directly twice via certified mail ( receipts attached ) to no avail. I have asked the company to send debt validation to me. They responded via mail that I am outside of the statue of limitations. I sent a response to the company to say that if they can not validate the debt, it should be removed. The company did not respond. I have no idea where this information was obtained, however it is being reported erroneously to XXXX. I ask for some assistance handling this situation with Creditors Bureau Associates as they are unwilling to provide me with an information as to where this debt was originated.
Product: Debt collection

Dear Jefferson Capital Systems, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees.

The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency.

Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor.

Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt.

Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/year> I transferred {$500.00} from my bank account to Skrill. After receiving the funds they immediately restricted my account. I can't use the funds for payment and I can't transfer the funds back to my bank account. 

Skrill sent an email asking me to respond to 3 questions when they restricted the account. I responded within 5 minutes of receiving the email on the morning of XX/XX/XXXX. I received an automated response that said I would hear back from them within 48 hours. After 48 hours, there was no response, and there still has been no response 11 days later. 

I opened a case with their help center in the evening of XX/XX/XXXX, but there has been no response to that case other than the automated response that said they would get back to me soon. I opened another case on XX/XX/XXXX, just asking for a status update, but there has been no response.

If you look at online comments about Skrill, there are many, many people who have had the same experience I'm having. Skrill receives their money and then restricts their account.
Product: Credit card

I just want to make the Bureau and others aware of the shady practices of the Old Navy Credit Card. I got the store card to use when it would save me money which was only on certain days on certain items, so I used the card rather infrequently. Because of the infrequency ( Maybe 3 times a year ) I requested that I receive paper bills, so I would remember to pay it. An alert popped up on my credit tracker yesterday and upon investigation I had a bill from 9 months ago with Old Navy that had been stacking interest and late fees. When I called I was informed that because my card was used so infrequently my statements were changed to electronic only without notifying me. They said they were being sent to me via email. Which is of no use because it goes to a spam account that I rarely check, thus why I never requested electronic statements. 

I feel that it is an unfair practice to change from paper to paperless without notifying the customer. When I expect my communications to come via mail, as requested, I do n't look anywhere else for them. Also in the 9 months, I never received a phone call, or a letter in the mail. I would assume after so long they would make attempts to reach me by other means. I believe email should not count as a method of reaching me as we all know many people do n't check those types of accounts or it gets caught in spam filters. 

My initial bill was {$19.00}, my current bill was {$120.00}. Upon calling they reduced it to {$60.00} which I was fine with paying. I understand there was also some negligence on my part for not remembering to check shortly after I had made a purchase, but I had established a system where I should not have to do so. It was mostly due to the deceptive practices of the bank. As of now I have resolved the issue, if the delinquency appears on my credit report, then I will be pressing the issue further. I want to make others aware so they can be on the lookout and be aware of these types of practices, and I would like for the government to step in and evaluate the ethics of these types of measures.
Product: Credit card

I received a letter from Comenity Bank stating that the credit card I applied for was denied. I never applied for a credit card. Due to so many information leaks, I have all my accounts with the 3 credit bureaus locked ( frozen ). 

Comenity fraud department verified this was fraud and told me that they would inform the credit bureau on XXXX XX/XX/2025. 

I then informed CFPB of this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX  and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.
Product: Money transfer, virtual currency, or money service

I created a personal account on Cash App to receive {$410.00} from my relative to pay my rent on XX/XX/XXXX. 
When I tried to with the money sent to me by my relative, The Cash App blocked the transfer stating there was suspicious activity. 
I contacted their in app support for help. In app support said that they could not help me. They stated that they would escalate my issue to another department. That department conveniently does not have a phone number and can't be reached in the app. They will only reach out by email in an unspecified number of days. After checking my email every day for two weeks and reaching out to them to find out what is going on, I finally get an email that my case was closed. They said I had only three days to respond. Since I did not respond in three days, I would have to go through the process of contacting in-app support, have them tell me that they would escalate the issue and have me wait for their department to contact me in several unspecified days in the future! Meanwhile, my rent was late and I was hit with a late fee of {$200.00}! The way Cash App steals money from hardworking Americans is shameful and XXXX. Thank you for your help in getting my money back from my personal Cash App account
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES XX/XX/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 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 simply looked into the credit card Next thing I know The card arrives in the mail I never activated the card I see them on my credit report and they are trying to charge me {$120.00} annual fee I do not want this card and never did They will never get a dime from me
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information that has been reported on my CIC credit report, which does not belong to me. Despite multiple attempts to correct this error, the credit bureau has not complied with my dispute, in violation of my rights as a consumer under the Fair Credit Reporting Act, 15 U.S.C. 1681, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], and 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].

This reporting error has significantly impacted my ability to secure employment and a new home, resulting in financial burdens for my household. As a victim of identity theft, I have submitted my identity theft report and provided proof of the inaccuracies, yet the credit bureau continues to report this information.

Over the past 15 months, I have taken extensive measures to rectify this situation, including preparing documents, filing complaints, obtaining legal advice, and paying for postage and delivery confirmation. Despite my efforts, the credit bureau has yet to comply with the FCRA and remove the inaccurate reporting from my credit report.

I kindly request that the credit bureau to promptly remove the inaccurate information from my credit report, in accordance with the FCRA and applicable consumer protection laws. I also request that the credit bureau provide me with an updated credit report reflecting the removal of this error.
Product: Credit card or prepaid card

Submitted a credit limit increase request online, was required to submit IRS Tax Transcripts via online or by mail. I elected by mail, since I am not a United States citizen and have not previously lived in the United States. It's been an unreasonable amount of time and I have not received a decision. My concern is that American Express is collecting my personal financial information and possibly sharing it with third party agencies or other lenders.
Product: Credit reporting

I disputed a Bankruptcy Item on my credit report with TransUnion twice. However, they continue to report this item as belonging to me. And the tell me to contact the Bankruptcy Court about the item. Yet, when I call the XXXX Bankruptcy Court XXXX tell me that they are not reporting this information to TransUnion. Also, TransUnion has not provided me with any evidence that the XXXX Bankruptcy Court for XXXX is furnishing them with this information. TransUnion also told me that they hire private venders to gather this information from the Court. Therefore, TransUnion is furnishing this information as hearsay because the Court is not furnishing them with a Bankruptcy item.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 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

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 Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXX Has violated my rights XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX  XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX Has violated my rights XXXX XXXX Bankruptcy 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.

15 U.S.C 1681 C. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer reporting containing any if 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 reporting agency if the person knows or has reasonable cause to believe that the information is inac curate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have not removed unauthorized inquiries! 


Equifax : XXXX XXXX XXXX, XXXX, GA XXXX. 
: ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  /XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given ( EQUIFAX ) permission to furnish this information.

Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 4 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to ( EQUIFAX ) resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.