23daVinci/CFPB_Complaints huggingface dataset:
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. 
there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

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

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

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

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

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

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

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

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

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Checking or savings account

On XX/XX/XXXX I entered into a group buy for a set of mechanical keyboard keycaps produced by XXXX in XXXX. XXXXXXXX XXXX XXXX were the vendor for this group buy and took payments on behalf of all XXXX buyers. The expected manufacture date due to covid was approximately 8 to 10 months from purchase. It has become apparent that at the same time XXXXXXXX XXXX XXXX unbeknownst to anyone else, was running their business as a Ponzi scheme. They were using funds from group buys meant to pay the manufacturer for the ordered goods on other projects. They have since deleted their website, closed their discord, stopped replying to emails, and have essentially vanished with the funds. I have tried to file a disput with my bank Bank of America but have been told repeatedly that it is outside of their dispute window, which is an appalling short 78 days. As the manufactured date for this purchase, and so many others in general especially with supply chain issues, is so far from the purchase date by the nature of a group buy it would mean that it was essentially impossible to ever request a refund or dispute these charges from the very beginning. Bank of America is refusing to initiate a dispute on my behalf for goods that were paid for but never received. Since I never agreed to any delays I am entitled to a full refund pursuant to https : //www.ftc.gov/business-guidance/resources/business-guide-ftcs-mail-internet-or-telephone-order-merchandise-rule. I would suggest looking here XXXX XXXX XXXX for more information on XXXXXXXX XXXX XXXX and their ongoing issues.
Product: Student loan

I requested help in XX/XX/XXXX and explained that I have a XXXX XXXX, XXXX XXXX, and that my husband who was the sole breadwinner since I couldn't work -- was gone due to a tragic accident. I've called and emailed several times since then. I thought everything was set, according to the man I spoke to over the phone, that I would continue to pay interest only -- {$120.00} every three months. I was really hoping to postpone or discharge my loan, but I was told that was not possible. Then I received a letter saying I was delinquent end of XX/XX/XXXX, and it made no mention of my interest only agreement. The payment I made that was supposed to be for interest only, was used as a normal payment. They sent me an email saying they are planning to garnish my wages. I am dependent on my savings for survival ( medicine, food, minimum payments of bills, utilities, gas, insurance, etc ) since I can not work and have no wages. Can they go into my bank account and take my savings? I have been working on this since XX/XX/XXXX and they are saying I'm behind about {$500.00} dollars currently. I also have a cosigner and I am afraid HESAA will garnish his wages and ruin both of our credit. So far HESAA has not honored our phone agreement and continue to claim I did not " properly '' submit their forms -- which I have submitted multiple times since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach, reviewing my credit reports I've noticed some accounts I'm unfamiliar with I have asked CRAS for validation of debt however the information has not been provided Due to my information being exposed I have submitted an FTC complaint reporting the information I'm not familiar with. Please find attached of a copy of my ID, copy of FTC complaint, showing my information being exposed in a National Database and validation of debt letter
Product: Credit reporting or other personal consumer reports

Attached : Copy of payment receipt, letters from Synchrony Bank, and snap shot on App. 


Jc Penny 's sent letters about a full payment of {$120.00}. The emails showed only a {$35.00} payment was requiremed. It shows when I logged in to the account there is not a card scheduled for Autopayments monthly. I received a letter my payments were returned or reversed. It is not welcome to reverse payments to my accounts. If they needed a payment dispute it was not communicated during mediation from CFPB. I did not change my password. I had to reset my password to log in to the JCPENNYS App. I could not log in in the past it was a complaint to CFPB. It is still not clear what to understand about scam on the caller ID. 

I notified them through the Consumer Financial Protection Bureau ( CFPB ) of circumstances about their App, websites a complaint of scam as the phone number. I tried to get them a payment sooner through the mediation of the CFPB. They sent notice of having the incorrect bank information. They never had any wrong bank information because I sent details of each circumstances to CFPB. An additional call from Synchrony / JC Penneys it showed scam on the caller ID was the past complaint. 

A payment of {$70.00} does not show it was added on the App that was paid yesterday XX/XX/year> @ the local XXXX XXXX XXXX, XXXX. The attempts to make use the old debit card numbers causes me to send additional complaints to law enforcement because of suspicion of returned payments. The declines and hindrance from JC Penneys has consumed my time and made my credit score poor during emergency and caused the display of criteria of a denial for other applications. Please view attached letters and copy of recent receipts. Please reference past complaints to CFPB to work on this history to be resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have linked the previous response the company XXXX XXXXXXXX XXXX XXXX said in the last CFPB complaint for reference which I find unsuitable. The company stated I was willing to pay them for a debt i have no knowledge of and ill and wrongfully stating to have sent me proof of validation on XX/XX/22 when that is false they have not sent me proof of ( proper ) validation regards to the FDCPA, XXXX and the FCRA including a breakdown of all fees including all collection as well as medical charges. To claim i owe them and not provide proof of the listed validation, contract they claim to have with my signature of agreement to pay them ( they claim ) is absurd. They will not be receiving any funds from me till their claims are proved to be correct. They don't even have my real address which is also proof they are just throwing things onto people 's credit and I will not tolerate this and they have no consent to add anything back onto my report till they prove their claims to me and they have a duty to prove proper reporting to me not the other way around. The company even took more than 30 days to response till i made the CFPB complaint which also is in violation of the law which I will also bring to me to court as evidence of the predatory practices if they so choose to feel the need to report onto my credit report again after mentioning to them him they have no consent till they provide ( PROPER REQUESTED EVIDENCE OF THE ITEMS LISTED ABOVE ). Transunion and XXXX I will also hold accountable for sitting back, seeing this happening and deciding to stay out of it when you have a duty to report accurate information and you are not just as well as they do ( XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that Advantage Credit was the company that ran the report. At XXXX, I called Advantage Credit and informed them that I did not request a credit check. I was informed that XXXX XXXX of XXXX mortgage was the person who requested the credit check. XXXX phone number is ( XXXX ) XXXX.
Product: Debt collection

I received a letter from RMP services on XX/XX/2023 at my request of verification and validation of said amount owed of {$900.00}. I told collector that the amount they are alleging I owe is incorrect. I noticed that the balance is astronomical and ask if I could get a complete breakdown/itemized copy of bill and the amount this company alleges I owe. I sent them a certified letter on XX/XX/2023. I received a letter back on XX/XX/2023, but it was not an itemized bill nor was it verified nor validated.
Product: Debt collection

In reviewing a 3 in 1 credit report in early XX/XX/XXXX, I noticed that there were two collection items being reported by all three credit bureaus. I wrote to the bureaus on XX/XX/XXXX asking that these be removed as they were not mine. No action was taken so on XX/XX/XXXX, I wrote directly to XXXX and Nationwide Recovery to either validate the debt or remove it. While none of these companies ever wrote back to me, my recent credit in XXXX shows that XXXX and XXXX did eliminate reportings for both  of these collection items. Unfortunately, XXXX continues to show this inaccurate information five months after I first asked them to investigate and remove it.
Product: Debt collection

Midland Credit Management , Inc., calls me every day to attempt to collect a debt that they have failed to provide written validation of, in violation of the Fair Debt Collection Practices Act. They are unable to provide written validation because I do not have any accounts in delinquent or collections status - I do n't know what debt they are trying to collect but it is not mine. They call at least once per day, sometimes more, but when I answer the calls there is no one there and the call disconnects - this constitutes harassment. They also call at the same time every day ( between XXXX and XXXX, Pacific Time ) ; I am at work during this time and I am not supposed to receive phone calls, but since I can never actually talk to anyone I have been unable to notify them that they can not call me during this time.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX  XX/XX/ .But it has been more than XXXX  days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 16811 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX  Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX Account number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that they have placed an inquiry on my XXXX credit file dated XX/XX/XXXX and XX/XX/XXXX that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to correct the issue of a late open accounts associated with my account. 
I have diligently contacted your customer service department on multiple occasions in an effort to address and correct this matter. During each interaction, I have provided all the necessary documentation and information requested, yet the issue remains unresolved. 

The persistent presence of the late open accounts on my records has had a significant impact on my financial standing and has caused undue stress and inconvenience. I have made consistent efforts to rectify this situation, expecting a timely and accurate resolution, but unfortunately, my attempts have been in vain. 

I am formally requesting the following actions be taken promptly : An immediate correction of the late open accounts on my records to accurately reflect the correct open date. 
A thorough investigation into the reasons for the repeated failures to correct this issue in previous attempts. 
A written confirmation of the resolution, including the corrected open date. 
An apology for the ongoing inconvenience and frustration caused by the unresolved late open accounts. 
I understand that administrative errors can occur, but the repeated failure to address this matter is both disheartening and concerning. Timely correction of inaccuracies is essential to maintaining the integrity of financial records and ensuring fair and accurate reporting. 

Failure to address this matter within the exact time frame from the date of this letter may necessitate further action on my part, including seeking assistance from relevant regulatory bodies or consumer protection agencies. 

I trust that your institution recognizes the importance of resolving this issue promptly and accurately. I am asking for your assistance to correct these late open accounts : XXXX XXXX  Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is XXXX reporting inaccurate and misleading information, but XXXX is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to WAKEFIELD & ASSOCIATES several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2A1. 
( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report. EQUIFAX is in violation. Payment History is an experience with the line of credit that was extended between the consumer ( ME ) and the persons ( XXXX XXXX and XXXX making the report. I demand the illegal reporting of these accounts # XXXX, # XXXX and XXXX account deleted from my report. Failure to respond satisfactorily immediately with deletion of the above accounts, will result in legal actions being taken against EQUIFAX for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Inability to obtain a business 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting

There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/XXXX2016.
Product: Debt collection

XXXX college was a school I attended in the fall of 2013. I had a family situation and had to withdraw from school however, I withdrew within a timely manner. The financial aid department was notified within the appropriate time frame to withdraw from classes without being penalized. At the time I used financial aid and had subsided and unsubsided loans. XXXX XXXX was the loan originator the school sent the loan money back to XXXX XXXX. After the loan money was sent back which is required by law when u withdraw within a certain time frame. XXXX decides to charge me for the semester which is not correct. Legally you can withdraw from any intuition that receives financial aid with a grace period to withdraw and not be penalized. The debt is with a collection agency by the name of Meade & Assoc the debt totals {$5200.00}. I have proof from XXXX XXXX that the loan was returned with date. Purchased a house a year ago this came up however, I showed loan officer the proof and they closed the deal. This need to come off my credit the credit bureau are not investigated this at all. I have even sent them documentation can you please help in this manner.
Product: Mortgage

XXXX I received an email from chase at my personal email address that Chase Mortgage was about to withdraw a mortgage payment from my checking account. 
I do not have a mortgage with Chase Mortgage and have never had a mortgage with Chase Mortgage. 
First, I called to verify that the email was from Chase and not Spam or Phishing. It was confirmed that the email address was from Chase.

I asked if the mortgage information can be looked up by the email address and reviewed by Chase customer service - without giving me any information about the loan to confirm that my personal email is associated with an account that does not belong to me.

I was told because I personally can not confirm the loan information- they are unable to confirm any information. So, I explained based on Chases way of protecting a persons information, if the loan has been with Chase and it would be reasonable to believe - the person with a home loan with Chase would not add another random persons email to their personal loan to receive notifications - then the only way a random email address could have been added is an internal error on the part of Chase. So, Im my case- I called Chase customer service and asked - how can I eliminate my email address from Chases notification system- so that I am not receiving any notifications from someone else personal loan.

Again, I was told my personal email address could not be removed because I can not personally provide the security information on the loan that has my personal email address.

So we ended our conversation with the customer service agent only apologizing nothing can be done. So this seem unfair to both the party that has a loan with Chase and me because Chase made an error.

For your information, the email address Chase is emailing to in error is unique only to me - because its my name. 

This is the from email address information : Chase XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is my sworn personal statement that the below listed addresses, I never lived at these locations. Also, there is personal information that needs to be updated/made complete immediately. Pursuant to 15 USC 16813 ( b ), my personal information must be updated to reflect accurate information. ADD NAME : XXXX XXXX XXXX. DELETE NAME : XXXX XXXX. DELETE FORMER ADDRESSES LISTED INCLUDING : XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX. ADD CORRECT CURRENT ADDRESS : XXXX XXXX XXXXXX/XX/XXXX. ADD CURRENT EMPLOYER XX/XX/XXXX Please see attached Identity Theft Report