23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A Collection account was added to my consumer credit report by Account Resolutions Services. The account was for a medical account that I did not owe. The account was from XXXX. At the time I had Medicaid and the account should have been taken care of by Medicaid. I disputed the account with ARS several times over the phone and they refuse to remove the account until they heard from Medicaid. I let them know they were reporting inaccurate information on my consumer reports and that they had no right to do so. While the account was on my consumer report for over two years. That negatively affected my character and my ability to receive financing. I wasn't able to rent an apartment because my credit score was too low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness.

If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At bes
t, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please remove these accounts you didn't verify Under FCRA LAW : I DO NOT CONSENT TO E-OSCAR OR METRO 2 COMPLIANCE VERIFICATION 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 reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$4900.00}, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was canceled and XXXX XXXX was suppose to remove it from my credit report and they have not.
Product: Student loan

The way Navient has there student loan forgiveness plan set up, is to where if I make on time payments for 20 years with whatever amount Im approved for- the rest of my loans willl be forgiven. I applied for their student loan forgiveness plan and got approved for {$0.00} a month for 12 months. I took a few credit hours with my University and Navient let me know that I was back in deferment, even though I already had {$0.00} dollar payments. The way they brought this to my attention made it seem mandatory as if I HAD to have the deferment. I was never made aware or told that I could take this off and stick with my {$0.00} payment that was going towards my 20 year plan. My {$0.00} payment plan only lasted about 3 months I was told. If I wouldve been made aware or given the option to remove the deferment I wouldve been left with 19 years. I have already spoken with a Supervisor from Navient, but I received no help on this.
Product: Debt collection

I honestly dont know why this company has put my name on collection. I always pay what I owe
Product: Vehicle loan or lease

I co-signed on a used vehicle for my daughter through Chase bank. She was involved in a card accident several months later that was not her fault. The vehicle was considered a total loss. XXXX stated they would pay the vehicle off as it was considered a total loss. XXXX did not pay the vehicle off in a timely fashion resulting in Chase bank reporting the account as delinquent ( 30 day late payment ). XXXX stated the check they originally sent was lost and they had to re-send another check. I contacted representatives at Chase bank and they stated basically that this was not there problem and that a payment from our end should have been sent out and once Chase receivd the money from XXXX they would have reimbursed us. Really do n't feel like this was our problem as XXXX appeared to have dropped the ball. The car is fully paid off now but the ding is still on my credit report. Please help!! Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute fraudulent items with Equifax Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

ON XX/XX/2020, I SENT A LETTER TO EACH OF THE BUREAUS ( XXXX, EQUIFAX, AND XXXX ) DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT AND HAVEN'T RECEIVE ANYTHING THUS FAR.I ALSO ATTACH COPIES OF THE LETTERS BELOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I have and open account. I do not have an open contract with XXXX XXXX XXXX. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

I ordered an airline ticket for my wife in XXXX from XXXX XXXX and due tho the corona virus had to move the flight up from XX/XX/XXXX to XX/XX/XXXX, at the time XXXX XXXX would not answer any calls and no way to get a hold of them except for my wife to drive to the airport and change it personalty, which she did with me on XXXX and i had to pay a change of ticket fee which i did, After she flew, XXXX XXXX charged me for a second ticket, In which I started a dispute in XXXX. Best Buy Citi Bank started the dispute but the charge was re entered on my balance 2 weeks later, i called and again and they turned it over to fraud cancelled the card and sent me a new XXXX, XXXX week later the charge showed up on my new card I called fraud, they cancelled the card and and issued me a new one. The charge showed up again on the new card and after many calls to fraud, they apologized and said it was not a fraud and transferred it back to disputes again, this is 3 months after the fact now, no less than 35 calls to disputes the new dispute was never filed and after 3 calls to supervisors they assured me the dispute was filed. I cancelled the account due to frustration. The charge showed up on my balance again and after 10 more calls to employees and supervisors I was told they filed the dispute on the old card and not the latest card by mistake and they would file the dispute on the latest 2 cards. This never happened and the charge still showed up on my statement. No less than a total of 65 calls to Best Buy customer service and the next to the last call 17 days ago assured me the dispute was filed,. The amount plus late fees was still on my closed account and on XX/XX/XXXX I called again and was told the case was closed and I owed the money and that was that, On the same day a late payment was added to all three of the credit reporting companies ruining my perfect credit score, They refuse to help me any further and I lost a home purchase because of the 77 point score drop of a {$46.00} late payment. I immediately paid the whole amount am told this late payment will be on my report for 7 years ... .Please help
Product: Credit card or prepaid card

CB Indigo on 2 different occasions has posted a hard inquiry to my name and credit reports that I did not apply nor complete an application for. I have contacted them twice on XX/XX/XXXX and today, XX/XX/XXXX. They have not removed these hard inquires and are continuing to allow someone to file online applications knowing full well that this is someone trying to steal my identity. This company has done nothing to assist in removing or blocking these actions, and refused to provide me a number to their Fraud department to resolve this issue. This is a fraudulent company that needs to be fined and put out of business. 

CB Indigo inquires on XX/XX/XXXX and XX/XX/XXXX Institution Information CB INDIGO XXXX XXXX XXXX XXXXXXXX, OR XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

According to my consumer report I pulled on XX/XX/2024 I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or Associated Bank such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted Associated Bank and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.

Any information listed in my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation per FCRA laws. Please send me any information regarding my request and an updated consumer report showing that the above-mentioneddemands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 



Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION SHOWING UP
Product: Credit card

I charged a vehicle rental on my credit card which included coverage for Collision Damage. I fille out the claim on their portal 3 months ago and continued supplying paperwork they requested. The last update was 4 weeks ago and I did not hear any feedback even though their site says they will respond within 5-10 business days.

I called them last week and they gave me a lot of excuses and said although I have submitted all information, it will still take them several more weeks to make a decision. My vendors have already gotten aggressive in making me pay and filed with my personal insurance company and started receiving reimbursement incorrectly. This situation is becoming messy and I fear the credit card company will back out of the coverage they promised to deliver.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX Date XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a XXXX fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear JPMCB CARD, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003.

It has unequivocally come to my attention that JPMCB CARD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that JPMCB CARD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Equifax state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting. 

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
Product: Credit reporting, credit repair services, 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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to 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 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, credit repair services, or other personal consumer reports

XXXX won't let me gain access to my XXXX report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

XXXX doesn't have an easy way to review my credit report like XXXX and XXXX do.
Product: Credit card or prepaid card

On XXXX 2021 california child support loaded XXXX onto my card, my ex does not make regular payments so i never know if hes sent money or not. On XXXX XXXX, I was cleaning out old wallet and came across my XXXX and decided to call it to see if there was any money on it, it XXXX told me about a deposit of XXXX made to card on XXXX and there was only XXXX left on my card as of XXXX. when i tried to call customer service to dispute fraud charges and cancel card i was put on hold for over an hour at which time my card was down to XXXX every time ive called customer service i talk to someone new, one person told me to make a police report, which I did, another person i talked to because over a month had gone by and i hadnt recieved the fraudulant paperwork i needed to fill out and send back never came so i was told to make out my fraud report by hand and that it would speed up process, well agian i got no notice, i finally called customer service again only to be told they denied my claim not once but twice for conflicting info?? and the case was closed and theyre sorry nothing they can do about it. everytime i call and try to talk to supervisor im put on hold for well over an hour, they tell me there is no superviser on shift that they will have someone call me in 24-48 hours which no one does!! i know its only XXXX but that is alot of money to me and cant afford to just kiss it away! please help!!