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

Subject : Notice Of Dispute - XXXX XXXX XXXX To Whom it May Concern, I am writing to express my utmost dissatisfaction and apprehension regarding the handling of the reporting of the account XXXX XXXX XXXXXXXX on my credit report. Upon review, I have identified several clear breaches of the Fair Credit Reporting Act ( FCRA ) in relation to this account, and I am demanding immediate action to address these issues. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account XXXX XXXX XXXX. 
Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. 
Original Open Date : Specify the precise date on which the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 
Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX was officially closed. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of the reported information. I insist on a prompt response and resolution to rectify this matter. 

Failure to comply with this request within 15 days from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be submitted to the CFPB Portal for expedited access. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Product: Credit reporting or other personal consumer reports

They will not remove hard inquiries off my account that are not mine.
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 Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX ( this is the second account listed with this company ), XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX XXXX there's two accounts listed with this company ) , 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: Checking or savings account

As of XXXX XXXX my Chase Bank Military checking Account has a overdrawn fees of {$61.00} and derogatory remarks on my account ending # XXXX that needs to be removed. 

I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even XXXX  themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX  if I rely on yall to handle my affairs.
Product: Debt collection

The account from Hunter Warfield Inc was paid and its been 2 months and they are still reporting it as unpaid and its affecting my credit
Product: Mortgage

XXXX XXXX approved me for {$32000.00}. Ive been paying on the loan I got behind on the loan and as of 2017 XXXX. As of Today the orginal amount they claimed they gave was {$32000.00} I still owe that amount and my loan has been transferred 3 times and it went from XXXX XXXX to XXXX XXXX  to XXXX XXXX  servicing to Shellpoint Mortgage. This loan was a predatory loan from the beginning and I've been trying to get assistant from an non profit organization and lawyers of South Carolina however I cant get any help. Clearly XXXX XXXX didnt provide me with a clear understanding with what type of loan I was getting myself into and they took advantage of me.
Product: Debt collection

XX/XX/2023 Call them to send proof that is wasnt no damage done, And that they refused my money from XXXXXXXX XXXX .In the amount of XXXX so I wrote to the judge of way I should not get put out doing XXXX  XXXX time was going on. Now I got a XXXX something fee state in I owe I was on a month to month lease XXXX XXXX did a walk through as i has move out in my 30 days window point.
Product: Credit card or prepaid card

Ive had this card over 2 plus years with a total of XXXX credit limit. 

XXXX Goldman Sachs closed my account without writing to me prior to that. 

It states There was a failure to comply with the terms of the Customer Agreement. 

However they cant tell me which terms were failed to comply with. I been speaking to their customer care often to open us escalated cases to understand why, but I dont get a valid response for this matter
Product: Student loan

Navient Private Credit is trying to collect a student loan from me for {$47000.00} for a student loan at a campus I did not attend. I attended XXXX XXXX XXXX of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, but I have Stafford Loans for those accounts listed on the NSLDS, which are valid. Navient Private Credit and its collection agency for the loans, XXXX XXXX, sent me a settlement offer for {$13000.00}. The problem with the settlement offer is that they provided no proof that I actually took out those loans, and the settlement offer says I went to XXXX XXXX XXXX XXXX XXXX, XXXX. I have never been to XXXX and certainly did not attend XXXX XXXX XXXX there. Navient has yet to respond to my requeest for validation and are continuing to report negative items for a debt where there is serious doubt as to whether it belongs to me in the first place. The collection agency XXXX XXXX is n't sure how to proceed and continues to send threatening letters to me in reference to the debt in questions.
Product: Debt collection

In response to CFPB complaint # : XXXX, My name is XXXX XXXX XXXX XXXX protected consumer, and I am making this complaint against Wakefield & Associates for XXXX a cease and desist notice they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given Wakefield & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibits A, B, C, D which is a copy of the accounts reporting on my consumer report, and a FTC report labeled Exhibit E that will be used when filing for litigation in Federal Court to this XXXX XXXX 
I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have not validated any alleged debt with Wakefield & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield & Associates any right to collect on this alleged debt. It is my belief that Wakefield & Associates are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 
I have never received any documentation requesting validation from Wakefield & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield & Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield & Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, I 7. The following personal information is incorrect Account Number : EMPLOYER : XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX MI XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX  XXXX of inquiry :XX/XX/XXXX Delete this account. 

16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Delete this account. 

17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper fka Nationstar has reported my mortgage late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The home was sold and closed on XX/XX/XXXX. I have been told that it will be updating my credit report. As of now it has still NOT been corrected, nor will they provide me a letter stating that it is their error and that it is being corrected. I am trying to obtain a new mortgage and can not move forward because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

so far XXXX falsely reported on my consumer report by first XXXX XXXX XXXX XXXX did not give consent. 
violations 15 usc 1681i must be removed -grave responsibility of accuracy 15 1681 c2- have 4 days for removal I have asked for it to be disputed, they only updated it.
Product: Debt collection

On XX/XX/year>, I wrote to XXXX XXXX to indicate I had been making payments on the credit card to the creditor, XXXX  XXXX XXXX, while my account was in collections at XXXX XXXX. XXXX XXXX sent me the attached letter and CFPB closed the dispute before I could respond. I have proof that I have made payments directly to the creditor, XXXX  XXXX XXXX, that are not included in the list of payments that were received by XXXX XXXX This means that there are a set of payments that have never been applied to my credit card account. I have attached the list of payments provided to me by XXXX XXXX, which were received by them. However, in this list, there are payments ( which are also individually attached ) that are not included in this list. This means these payments were never applied to my balance. I want these payments applied to the balance and this account should be taken out of collections, because I was making these payments when this account was transferred to XXXX XXXX. It is illegal or this account should never have been transferred to XXXX XXXX while I was making my payments to XXXX  XXXX XXXX.
Product: Credit card or prepaid card

To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Debt collection

I pulled my credit report and found out I had a negative remark on my report for {$25.00} from XXXX XXXX XXXX XXXX  opened X/XX/11. I dispute this charge.
Product: Checking or savings account

I opened an account with XXXX to manage my invoices and payments/bookkeeping, and their payment processor is WePay ( owned by JPMorgan ) XXXX and everything was approved instantly. This was on XXXX XXXX. On XXXX XXXX, a client paid an invoice in full in the amount of {$1200.00}, and received an email that successful charge had happened. Immediately after they received payment and took out their processing fee, they then send an email that my business is high risk, when it is in fact not in any high risk category as specified by payment processors online, closed my merchant account, and said that my funds will be held for 120 days and then will be re-reviewed. This has negatively affected our business as we had to complete client work without receiving payment and resulting in a loss for our business. I understand that payment processors will sometimes hold funds for risk, but 120 days is excessive. Upon further research and speaking to other business owners ( online and in person ), WePay has a track record of closing new accounts quickly and holding funds, and have even been documented as never paying out the funds after 120 days. This is awful business practice and illegal, and they need to be held accountable for seriously affecting small business operations for many businesses. I appealed account closure and funds withholding twice, and both resulted in no change of status, and little to no useful information as to why this has occured. This bank should be held accountable to disclosure of reasons for their actions. I even appealed the account category that they placed me in because it might have been a clerical error on their side, but as it seems, they do this to hundreds, if not thousands of businesses. I would like for them to release funds to me and for this complaint to reach them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

My Ex hade been using my credit to apply for credit cards whiteout my knowledge for years he just told me a after I called the police credit cards he opened and used under my name 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 CAPONE XXXX XXXX CAPITAL ONE 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 have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the Bankruptcy number-XXXX on my credit file to be investigated. I have proof that it don't belong on my profile.
Product: Credit card or prepaid card

My wife and I were travelling in XXXX, XXXX for our honeymoon. On XXXX XXXX, 2017 we went to the island of XXXX and rented a jeep from a small vendor that approached us off the ferry. 

The jeep rental was around {$70.00}. The jeep was a piece of XXXX. We had it for no more then 6 hours that day as Tropical Storm XXXX was coming in and we had to head back early on the ferry. 

Upon returning from our honeymoon and a couple weeks later, I noticed a charge for {$1400.00} on XX/XX/XXXX. I never charged that much so immediately called Chase Bank to report it as Fraud. They deleted the charge. 

They later said since I was in possession of the card, I approved the purchase, and it 's not Fraud. 

They then sent me to dispute the claim. The dispute people did nothing to help me dispute the claim. 

I remember the vendor saying {$1400.00} is pesos, not US dollars. I was frauded out of more then {$1300.00} dollars while in XXXX. I do n't speak XXXX. I trusted my card would be protected. That someone with a XXXX machine would be a reputable vendor. 

Chase has done nothing to help me fight this and has put the burden of proof back to me. They are too lazy to protect my rights under Regulation E. 

Please fight for my rights and help me get my money back through Chase.
Product: Checking or savings account

I opened the Chase checking account a few years ago when I studied in the US. Now I want to close my account because I dont live here anymore, but Chase could not process my account closure because I do not have residential address or phone number that I used to register. I went in to branch in XX/XX/2023 to validate my identity with the bank teller, but the online system still did not approve my request. I tried to call Chase online customer system and it did not work. I also tried to add new address or phone number into my account but they could not be used for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion XXXX XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my 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 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