23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The servicer is denying my XXXX XXXX XXXX XXXX XXXX stating that I do not work for a qualifying organization whereas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my employer correctly completed and signed my application. 

On XX/XX/2022 MOHELA sent me a letter stating : " MISSING INFORMATION *- HAVE YOUR EMPLOYER CONTACT US XXXX You or your employer did not answer questions 9-12 in Section 3 confirming your organization type. The authorized official at your employer should contact us within 60 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 60 days, complete and submit a new PSLF Form and make sure to complete all of the required fields. 
For more information regarding qualifying public service organizations, review the Eligibility Criteria section of this letter. '' The XXXX application from was completed correctly and clearly states that : " 9. 
Is your employer a governmental organization? 
A governmental organization is a Federal, State, local, or Tribal government organization, agency, or entity, a public child or family service agency, a Tribal college or university, or the XXXX XXXX XXXX XXXX. Federal service includes military service. 
X Yes - Skip to Section 4. ''
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX ORIGINAL CREDITOR XXXX XXXX  ACCOUNT NUMBER # - XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report.

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00}
Product: Debt collection

On XX/XX/2023, I tried to apply for XXXX XXXX and a cell phone 2 days Later I canceled the previous order. After a couple of months, I started receiving bills from XXXX and called them to address the issue. XXXX I was being charged for the equipment they sent to me. Happened I never received the equipment bc the order was canceled. Went to the XXXX store in person. The account was closed in the problem was supposed to be fix. On In the month of XXXX a collection agency started harassing me I talked to them And called XXXX again to fix this issue. Last XXXX a week ago on my credit report a derogatory mark created by XXXX XXXX XXXX for XXXX $ XXXX
Product: Payday loan, title loan, or personal loan

Payday loan has been taken from my bank and it wasnt me
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer privacy has been violated and inaccurate accounts that have been noted are being reported. Please see attachment.
Product: Credit reporting or other personal consumer reports

hello, I am a consumer and I am federally protected and I have issues with all the consumer reporting agencies and they are not following federal law and my right to have the fraud alerts removed and deleted and the credit freeze must be promptly deleted and removed. I DO NOT want any fraud alert on my consumer file. Please have these companies delete and remove all fraud alerts and freeze on all my reports. XXXX transunion and XXXX. They are causing me harm and damages as I am not getting the credit offers i am in need of. I demand that they get my reports promptly corrected. thank you
Product: Debt collection

I was notified of a negative item on my credit report. I inquired to learn I have an account that is four years old in collections and my score dropped substantially. The original creditor they gave me is no longer in business. I repeatedly tried contacting them. I had health insurance as of the date of service in question. They told me to provide them proof of benefits which I did. They will not remove from my credit report unless the account is paid. Basically they agreed to delete item completely from my credit if I pay them XXXX dollars. I was not aware of this bill nor do I owe it. They admitted the bill was sent to wrong address. I need this removed from my credit asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am a victim of identity theft. There is information on my consumer report that is a result of identity theft. My rights to privacy have been compromised instead of protected through the Fair Credit Reporting Act. I did not provide written permission or instructions to be reported on my consumer report. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am requesting that the reporting of this information be BLOCKED AND DELETED. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account Number:XXXX  Account Name : XXXX Date Opened : XX/XX/2022 Balance : {$1400.00} I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX credit reporting agencies are reporting inaccurate information in regards to late payment marks and derogatory remarks in comment section on my reports and I need the late marks removed or corrected to paid as agreed because it is affecting me purchasing my home. my rating of 99 % on time payment history has now dropped because of these inconsistencies in reporting. I am also requesting that the credit reporting agencies are consistent in what all XXXX report as far as my account behavior is concerned. I file disputes with all XXXX reporting agencies to remove all negative and derogatory remarks from my report seeing how I have no collections on record, no past due payments on accounts and no missed payments on my reported accounts. The comments and derogatory remarks listed DO NOT MATCH MY ACTUAL CONSUMER BEHAVIOR please advise them to correct and address the issues at hand because again it is affecting me purchasing my home right now. Thanks in advance concerning these complaints
Product: Credit card

I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers.
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 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 Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and Equifax credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
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. 

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. 168192 ( A ) ( l ) 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 According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.
Product: Debt collection

A couple of days after I turned XXXX, I opened my very first bank account in XXXX XXXX XXXX. A week later, I received a notice of levy from my bank that I owe to the XXXX Sheriff 's Department a total of {$7400.00}. I did n't know what that is. I contacted the XXXX Sheriff 's  Department and they said that the Law Offices of Nelson and Kennard have filed a lawsuit against you and put that levy against your account so you need to contact them to know why they put that much money against you. I called that law firm and turns out that they 're a debt collector looking for another person under my social security number. THEY HAVE MY SOCIAL SECURITY NUMBER! I do n't understand. I never had a credit card nor ever had any debts or loans upon me. So there is definitely some sort of fraud going on and my identity is in danger right now!
Product: Vehicle loan or lease

I financed my vehicle through XXXXXX/XX/XXXXXXXX and made multiple payments toward my loan. My account was later transferred to Premier Auto Credit, but the loan balance they claim I owe is incorrect. 

I never received proper notice from either XXXX XX/XX/XXXXXXXX or Premier Auto Credit regarding this loan transfer. I was not informed of the transfer terms, remaining balance, or any changes to my account. 

Additionally, Premier Auto Credit repossessed my vehicle without providing proper notice. I was not given the required legal notice before or after the repossession, and I was not informed of my rights regarding the vehicle or any potential redemption options. 

I have records showing my payments, but Premier Auto Credit has not properly credited them or provided a clear breakdown of my balance. I have attempted to dispute this with them, but they have failed to correct the issue. 

I am requesting that the CFPB investigate this matter and that Premier Auto Credit provide an accurate statement of my loan reflecting all payments made, along with proof of proper notice regarding both the loan transfer and the repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX XXXX and Transunion is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX XXXX Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX
Product: Checking or savings account

I was scammed out of XXXX by this individual named XXXX XXXX I was dumb enough to let him use my card information to cash checks in my account knowing something was off but I had no knowledge of what he was doing whatsoever it happened XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX  { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.
Product: Debt collection

On or around XX/XX/2023 I received an alert from XXXX XXXX that had a collection placed in my name from Transworld Systems. After review, it appears the original creditor is " XXXX XXXX XXXX '' for a charge of {$420.00} for an account opened on XX/XX/2023. XXXX XXXX XXXX is based in Texas, where I have never lived or had any utility services. Someone was able to open an account in my name through fraud. The account was closed and a collection placed that is affecting my credit. 

I called the company but they informed me I needed to go through these steps in order to have this negative occurrence and collection removed. They offered no assistance or details on how this account was opened without my knowledge or consent. 

I received no calls, emails, texts or notifications from XXXX XXXX XXXX notifying me an account had been opened or that a debt was owed until this collection appears on my credit alerts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody used my information to try to open a credit card in XX/XX/2022 through Bank of America. I caught it and contacted Bank of America to try to settle the dispute. Then they renewed the date on it to XX/XX/2022 instead of removing it and I would really like it removed from my credit report as it was done fraudulently ... .I strive to have good credit I did not make this Hard Inquiry and I need it gone. I did my part and placed a fraud alert on my credit profile. The company Bank of America claimed they would remove it and instead the result was it getting a newer date so it will remain on my report longer. They never placed the statement that it was a fraud attempt. Trying to do it thru XXXX is a joke they want you to call the reporting company back and I don't want to do that in the event that doing so might extend it longer or have them accidentally do another hard inquiry because they are incompetent at their jobs.