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

I have a loan with JPMCB AUTO FINANCE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB AUTO FINANCE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and XXXX, and JPMCB AUTO FINANCE with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Student loan

My complaint is with XXXX more than my loan servicing company. When I was a student at XXXX for XXXX, I was lead to believe my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place because they made it seem like tuition was going to be about as affordable as local schools were. 

Not only this but I had a host of other issues with them - including my initial advisor not changing my classes when I changed programs, resulting in me taking classes I was not required to take and then they refused to refund the money for those classes despite this being their error. New advisors constantly gave me the run around and I eventually had to drop out because I could n't keep wracking up even more debt due to their misleading practices and failure to " advise '' properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has attempted to gain access to credit lines with my identify. I reached out to all three credit bureaus and advised them that there was inquiries on my report that I did not recognize and or authorize and that I wanted dispute them because they were fraudulent but I was met with push back. I further explained that I called the creditors whom weren't able to give any information other than to call the credit bureaus. I also explained that I have a fraud alert on my report, and that the creditors never called or anything and I was told the fraud alert protects me against this. I was told there is nothing that they can do to assist me and that I would need to file a police report. 
Since then I've attempted to file a police report because that's what TRANSUNION, XXXX, AND XXXX advised me I had to do to get these fraudulent inquires off. After attempting to file a police report with my city police department I was told that a report could not be taken because the thief was not successful in actually opening a credit account with my name or other information therefore it is not identity theft and they would not proceed with a report. I'm beyond frustrated with this matter. Below are the inquires that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information belongs to my XXXX brother and is falsely showing in my report hindering me from buying a house
Product: Mortgage

Please see my attached letter which fully describes and shows proof that I paid the loan off within 60 days of the loan being transfered to a different servicer. I was never late for 13+ years and the new servicer incorrectly inputted the loan 60 days delinquent but they had already been paid in full prior to the 60 days. As you know, by law, the new servicer must give you 60 days prior to reporting anything late and through a refinance, I had already paid them off. Please see the closing statements and facts that I have provided. I was never late. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to remove all negative thing from my report and inquiry
Product: Credit reporting or other personal consumer reports

Under FCRA Section 606 ( b ), it is illegal to include information on my credit report without my explicit permission. Additionally, according to 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written consent. These provisions are in place to protect consumers from unauthorized and fraudulent activity, ensuring our right to privacy as stated in 15 U.S. Code 1681 ( a ).

The following entries on my credit report were made without my authorization and appear to be fraudulent : Date Company Category 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 I did not authorize any of these accounts or transactions. As such, these entries constitute a violation of my rights under the FCRA. I request that you immediately investigate these fraudulent activities and remove the unauthorized entries from my credit report.

Please provide me with written confirmation of the removal of these items as soon as possible. If you require any additional information to investigate my claim, please contact me at the address or phone number listed above. 


Note i do not want to activate any theft protection at the moment with any of this companies XXXX, transunion or XXXX DO NOT, I dont see transactions or any accounts actually open except for unauthorized unknown inquiries.
Product: Debt collection

Collection agency has repeatedly called me after  XXXX  since  XXXX / XXXX / 2017 . I have called the company back on  XXXX / XXXX /   2017  and told them to stop calling me so late. The calls still continued. This is in violation of the FDCP A 802 ( a )  and the company has not sent me any notice after the initial contact on  XXXX / XXXX /   2017  when I spoke with them. Collection agency also did not tell me what this collection was for when I spoke to them on the phone.
Product: Checking or savings account

In early XXXX I noticed that there were charges in the amounts of $ 20-25 on my account from " XXXX '' and contacted my bank ( bank of america ) to remove these charges because they were unauthorized. I was told to contact XXXX and check with them if these charges did occur and I was mistaken. After contacting them they confirmed that the charges were not there on their end either. So I called my bank back and made a claim and they gave me temporary funds and said that they would look into it for the final decision. In early XXXX I received a notice saying that my claim was rejected and they were taking back the temporary funds that amounted in about {$54.00}. They removed these funds and now my account is in the negative and i received an overdraft fee. I still want to reject these charges because XXXX said that I never made them and I don't remember making them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AKA Lexis Nexis is Reporting to DMV and Insurance companies about my past Driving history.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear, TransUion, XXXX, and XXXX I am writing to dispute several inaccuracies in my credit report obtained on [ date you obtained the report ]. This letter serves as a formal request for an investigation pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Account Information TransUnion Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$2000.00} Status : Closed Last Activity : XX/XX/XXXX XXXX Account Number : XXXX Balance : {$2000.00} Status : Open Last Activity : XX/XX/XXXX Specific Inaccuracies Balance Discrepancy : The reported balances vary across the bureaus, creating confusion about my financial obligations. 
Account Status : The account status is inconsistent : " Open '' on TransUnion and XXXX, but " Closed '' on XXXX. 
Payment History : While I have consistently paid on time, several months in XXXX show " No data available, '' which misrepresents my payment history. 
Legal References Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of information identified as resulting from identity theft within four business days of receipt.

15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) require accurate reporting, which is currently not upheld in this account.

According to 15 U.S.C. 1681, I have federally protected rights to privacy and confidentiality.

15 U.S.C. 1681b mandates that a consumer reporting agency can not furnish accounts without my written consent.

Request for Documentation I request that you provide me with the original copy of the agreement, along with the terms and conditions associated with these accounts. Failure to comply will result in the forfeiture of your claims and may require the deletion of the items listed above.

You are required to act on this matter and block these transactions from being reported to my credit file within four business days of receiving this notice.

Resolution If these inaccuracies are not resolved, I will seek damages of {$1000.00} per account under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.
Product: Credit reporting or other personal consumer reports

I disputed the inaccurate information multiple times and requested validation and methods used for verification. Checkr only sent me electronic reports ( no validation ). I spoke with the company to opt out and freeze reporting with Checkr. Checkr responded by stating the company can not freeze reporting and that if a company seeks a report they would repeat their process of releasing my private information. I notified checkr that they do not have my consent to access any of my information nor use any of my private information. I invoked all of my rights yet Checkr violated all of my rights and privacy. Checkr caused damages and harm by continuously reporting inaccurate and unfair and false information and reports. Checkr uses unfair practices. Checkr refuses to send their method of validation. Checkr refuses to verify the information and reports. Checkr have not acknowledged my requests. Checkr has violated my rights and all of the consumer laws and protections. Checkr repeatedly stated they would get information using public information sources and XXXX records. Those methods are not accurate or without error. Checkr has a requirement and legal responsibility to prove that the records or information that they obtain and report is 100 % accurate. I have reported to Checkr that the records are inaccurate to no avail. So Checkr will continue to violate me and other consumers willingly. I do not have any public information so its not accurate and i never gave XXXX permission or consent to contract on my behalf. I never gave XXXX XXXX to release any information. If I am telling Checkr and its representatives that records are inaccurate, fraudulent, or incorrect then their should be a process to remove the records. What this company, Checkr, has done is ignored and disregarded everything I stated and Checkr chooses to ignore the disputes. I submitted the disputes in every way Checkr allows which is by phone and via their website. Another unfair practice Checkr uses is they want the consumer to dispute multiple times although they are providing the same reports to different companies. I reserve all of my rights.
Product: Credit reporting or other personal consumer reports

I recently discovered I have unauthorized accounts that i did not open. I've been trying to build my credit score and once I discovered the problem I knew something was off. I would like for these unauthorized accounts removed expeditiously! This is my life and future on the line and I would like for this to be resolved.
Product: Debt collection

Called from a private number. Their number does not show. They left a message saying serving me with papers. I called back. XXXX wanted to argue that number 1, the company he supposedly is collecting for I never had a loan with ; number 2, he says he mailed me at my home address, lie, I can not receive mail at my home address - XXXX XXXX must be used or mail will be returned ; 3, said they had served me court papers and there was an open civil case that has gone through court. Called the local civil places. Another lie. Called the company he supposedly is collecting for, they can not locate any loan for me. HE REFUSED TO GIVE ME THE COMPANY NAME HE WORKS FOR, said he would transfer me to LEGAL DEPARTMENT which then he came back on the line. Called back after I spoke with the loan company and another guy supposedly ( same voice ) stated that they had mailed me and they are under no obligation. I informed him that this state REQUIRES YOU TO MAIL IF REQUESTED. Then he said he had to my physical address. NOT POSSIBLE. Then he said to my email. NOT POSSIBLE. I reply to all of these stupid emails advising IF THEY ARE LEGIT to MAIL ME and I provide my XXXX XXXX . NO ONE HAS EVER SENT ME ANYTHING.
Product: Mortgage

We had an equity line with Wells Fargo, and we would try and pay extra to pay off sooner & our extra payments were never applied to principal, the next statement would say that our additional monies paid were applied to interest owed from 2yrs previous. This went on & on, we called customer service, emailed the board of directors ( got a phone response from the secretary that they were looking into it ), nothing ever got resolved. One time we were a day late making the payment & the payment was then taken out of our checking account, without our consent. We went in person to the bank & they refused to help, sent us home to call customer service & sit on hold forever. We went to another bank to refinance and pay off the equity line, Wells Fargo dragged their feet applying our payment to close the account. We paid extra interest because of how long they took. We closed all accounts with them and will never do any business with them ever!
Product: Checking or savings account

I have tried to open bank accounts and can not. I went to bb & t and they opened an account for me but a few days later. I was told that I was not able to do so and can not check my credit report.
Product: Debt collection

I received a letter ( attached scan of said letter ) from AmSher Collection Services , Inc of XX/XX/XXXX notifying me of a debt from XXXX XXXX XXXX for the amount of {$90.00} and my rights to dispute/request validation for this debt within 30 days of receival. I then disputed and requested validation for this debt and sent the letter ( attached copy of dispute letter ) via USPS Certified Mail on XX/XX/XXXX. I received confirmation that this letter was received by a person on XXXX XXXX at XXXX XXXX  ( attached confirmation ), therefore, request to dispute was confirmed that it was received by AmSher within the 30 day timeline. As of today, XX/XX/XXXX, I have yet to receive any communication from AmSher regarding validation of this debt. They did not provide what they are required to provide by the 30 day period of receiving my request. 

On XX/XX/XXXX, I received notification that this debt, that has not been validated to be mine nor has my dispute been acknowledged, was reported to the Credit Bureau ( confirmation screenshot included ). This has negatively affected my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my Employment Information to be changed. 

XXXX XXXX is my XXXX  and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my XXXX or my employer.
Product: Debt collection

In XXXX, I purchased a XXXX laptop from BestBuy for {$750.00}. They had a promotional offer to pay in 18 month and I took the offer. I had been paying the minimum of {$27.00} a month. On XXXX month, I called BestBuy using the phone number on the back side of my credit card to let them know that I wanted them to charge the remaining balance using my checking account number on file. The representative I spoke to was having a computer freeze issue. His computer froze after he verified my identity and understood the reason for my call. He stated, " I am sorry but my computer suddenly froze on me but I made a note here to charge your remaining balance as soon as I make the computer work ''. I trusted him and moved on with my life. Few months later, when I was reviewing my checking account, I found out that BestBuy is still taking the same {$27.00} per month out of my account. When I called them to find out what happened and why the remaining balance was not taken out of my account, they informed me that the remaining balance was not paid before the end of XXXX months and therefore I was charges fees that added up to approximately {$270.00}. By XX/XX/XXXX, they had taken out a total of {$810.00}, which is {$64.00} more than what I supposed to pay. Plus, they sent me to collections after I pulled auto pay and expressed my concern. The supervisor I spoke to stated because there is no note in my account or no record of me calling, they could do nothing for me. How is it fair that they over charges me and they are still able to manage to send me to collections. My recent credit history check shows the balance they reported to XXXX was {$570.00}. It does not make sense that they already received {$810.00} and are still trying to collect {$570.00}.
Product: Credit reporting or other personal consumer reports

In XX/XX/, my XXXX credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.