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

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATIO
N of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX and XXXX are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.
Product: Money transfer, virtual currency, or money service

Zelle did not reverse fradulent charges on multiple occassions. My bank eventually stopped allowing use of Zelle due to fraud. Contacted Zelle support for help to no avail.
Product: Mortgage

I was notified by my current servicer less than 15 days prior to the effective date that the servicing of my loan had been sold. In the notice I was provided with a name and address of the new servicer and it was further stated in the notice that the old servicer would no longer accept payments on my loan. I was not provided with an account or loan number with the new servicer to associate my payment with and I was not contacted by the new servicer prior to my next payment being due. The old servicer pulled my payment automatically out of my bank account on the due date and therefore I am left with less than 15 days to attempt to get a check out to a new address via snail mail with no account number to apply it to. 

I know that as a consumer I have rights regarding the sale of servicing rights of mortgage loans. In particular I have the right to m notification by both parties with a 15 day minimum. 

My concern is that everything in terms of late fees, default interest rates and the benefit of legal advantage to be gained by the new servicer in creating confusion, not following the law and providing documents and notice verifying and reconciling the sale of servicing rights, address, account numbers and pertinent information so business can resume seamlessly and transparently. Large corporations have the advantage because it is them vs. all of the consumers individually. It 's like a mouse trying to defend itself against a lion and all of the lions lawyers. They have everything to gain by taking advantage and claiming that they are just clumsy at handling their XXXX dollar business. They will get only a slap on the hand and only that if one of the people they are taking advantage of has the resources to call them out and bring a law suit and win against their legal team at that. 
Also, it 's hard to tell if this whole loan servicing change is n't some sort of scam to hijack a massive number of loan payments by some criminal, cash a bunch of checks in a makeshift office and retire somewhere off the map. In any case, the least likely people to suffer any damage in any of this is the old servicer and the new servicer, where all of the risk involved falls directly on the consumer. Further, the name of the new servicer is completely unknown to my bank and has no credible presence on the Internet. Actually on the contrary. When you type their name into XXXX all you see is link after link of horror stories about them.
Product: Debt collection

I received a letter in XXXX from XXXX XXXX XXXX stating that they were attempting to collect {$1900.00} in debt owed to XXXX XXXX XXXX. I immediately filled in their form asking them for more information and letting them know that I was disputing the debt as not mine. On XX/XX/XXXX I received another letter from them with more information ( the address of the person who owed the debt ). That same day, I received an alert from XXXX that a disparaging debt note had been recorded on my credit report by XXXX XXXX XXXX. 

Had they taken any simple steps to ascertain if this was me ( it is a common name ), they would have found that 1 ) I have never lived anywhere in California much less in XXXX XXXX, XXXX ) that I have lived at my current address for 25.5 years, and 3 ) that there are at least six people named XXXX XXXX who do live in XXXX XXXX according to XXXX. 

Their action of reporting this to the credit agencies without cause has been harmful to my reputation and credit standing and is an unreasonable abuse of their ability to do report what they please. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ditech payment has always been {$1500.00} each month. My interest rate adjusted and my payment increased to {$1700.00} starting XX/XX/XXXX. When I made my XX/XX/XXXX payment, it was in the amount of {$1500.00} instead of the new amount of {$1700.00}. As a result, when my XX/XX/XXXX statement arrived it stated that I had not made a payment and therefore was late 30 days. My XX/XX/XXXX statement from Ditech shows that I made a payment in the amount of {$1500.00} on XX/XX/XXXX ; however they stated that because it was short {$130.00} they would not apply it to anything and held it in a suspense account. 

I feel that as a consumer, it was not my intention to defraud or intentionally not make my payment to Ditech, I was just not aware of the payment amount increase. On XX/XX/XXXX I paid the difference and the XX/XX/XXXX payment in full. YET, Ditech proceeded to report me to the three credit bureaus that I was 30 days late. This implies that I did n't make any payment to Ditech ; which is not true. I made a payment in good faith not knowing it was the wrong amount. Had I overpaid they would have been happy to take my money, but making a payment just short of the new amount due is not me intending to not pay Ditech my debt obligation. This is unfair and deceptive ; a clear example of these financial institutions taking advantage of the little guys! I have written to the credit bureaus and Ditech ; yet they are holding their ground and are adamant on not removing the 30 day late reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation.

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2022 I received a text message alerting me to a potentially fraudulent charge from my debit card for {$1000.00} Shortly after receiving this message and checking my account details to confirm there was indeed a fraudulent charge, I called State Employees Credit Union that same day to file my dispute. I closed my card and requested a new one, with the help of the associate. I was told it would take 7-10 days for the charge to be investigated, but that I may see a credit on my account for the amount taken in the interim. 

I asked if there were any other actions that needed to be taken on my part, and was assured that no, I had done exactly what I need to do. I received no further correspondence. 

10 days later, on XX/XX/2022, I called to follow up. I was told that the company performing the dispute did not work over the weekend, so they could not provide an update to the status of the investigation or see the dispute. I was also told that I had been misinformed by the original associate, that the actual estimated date was XXXX business days from the day I originally called. They said the company actually had until Friday XX/XX/XXXX. 

Today, on Friday XX/XX/XXXX I called once more to check on the status, as I have still received no further information or update. I spoke with XXXX XXXX XXXX, who informed me she had no record of my dispute, only that I had closed my debit card due to fraud. She posited that perhaps a newer employee not properly trained may have been handling my initial call, and apologized for the miscommunication. She also informed me that disputes could not be made until the actual charge posted, which was actually on XX/XX/2022. This came along with a {$10.00} transaction fee from the same fraudulent place XXXX. Prior to today XXXX failed to inform me of this. She offered to try and push for a faster turnaround, but that I should wait another 7 business days before calling back for an update. 

While I appreciate the sentiment and the professionalism she displayed while communicating with me on the phone, in 7 days when I am supposed to once again call for an update, it will have been an entire month that I have been without that money. And as many of us know, a XXXX dollars can be the difference between security and losing housing, or having the utilities cut off. I expect greater care to be taken when dealing with fraudulent charges and in any case wherein a persons agency and financial security are at risk. 
I will be attaching screenshots with the dates and times of those 3 calls to them below ( that number is XXXX ), along with the message I received via text and a screenshot of the amount pulled from my account.
Product: Vehicle loan or lease

My name is XXXX XXXX, I am dealing with a situation with XXXX where there is a Repossession showing on my credit file that is not even under my social security number, though uses a like name and same DOB. I have had the credit bureau dispute the item with the creditor and have contacted the creditor directly and the matter has not been resolved to date. I made direct contact with the fraud department at XXXX in hopes to get an immediate action as I have done before but not with this particular account and I don't understand why it has not been removed yet. I do appreciate the help they have given me thus far as their fraud department has been very expeditious in other matters in the past few days so I have no real complaint about XXXX except why would they allow an account to be reported to my file in the first place when it so obviously had a different social security number attached to it? The company that reported the incorrect information is Credit Acceptance Corp. XXXX. They reported an auto repossession to my credit file with a different social security number and upon being contacted were so rude and disrespectful because I had no account information to supply for obvious reasons. I called them back again and was transferred to a young lady who was very nice and gave me the account number, the name used, verified the last 4 numbers of the social used and that the DOB was the same as mine. I supplied them with my name, address and contact number and the police report information and was advised I would be contacted within 72 hrs by their company. I called XXXX again to give this information, including the name of the lady I spoke with, but the account remains on my credit. I don't for my life understand why it was not removed as soon as they realized the social security number was not mine, it wasn't even close. Anyway, the battle continues as there are multiple accounts that do not belong to me that do have my social security number attached unfortunately for me. I hope my story helps someone else out there going through the same or similar situation. Stay on top of your credit and don't take No for an answer. It's your credit, your right and as long as we live in a society that rates you by a number on a report, you've got to make sure it's correct and the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX 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 my file at XXXX, Equifax and XXXX 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/19 Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

I was told to send a friend money from their cousin, so I did so and a month later the cousin refuted it as fraud so the bank reverse the credit and XXXX dollars was taken out the account but now the cousin got XXXX and my ex friend has XXXX
Product: Credit reporting or other personal consumer reports

Lexis Nexis has violated my rights in accordance with FCRA USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is from a previous complaint, XXXX. 

They responded and stated " We completed our review, and the details of our response are below. We sold your account ending in XXXX on XX/XX/2009. '' If that's the case, which they admitted it is, they are not supposed to continue to report on this debt to the credit agencies. The sold the debt. That means it no longer belongs to them and the new Owner can report it, but they can not. 

Thank you.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 has violated my rights XXXX 

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 or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX  contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate.

My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX   assessment of PSLF applications.
Product: Debt collection

XX/XX/2020 {$280.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Product: Student loan

I have worked at a non-profit organization since XX/XX/XXXX. Since XX/XX/XXXX I have paid on-time payments each month. When I initially started making payments on the income based plan I realized my total overall amount was increasing due to interest. I called XXXX and was advised that I could change to the standard payment plan, and that this plan would still qualify me under the PSLF program. Again, since XXXX I have paid on-time payments, never missing a payment, or being late for a payment. I am now told that none of these payments qualify under PSLF. I am beyond disappointed and feel this is unfair and unjust. Again, I was told by XXXX that I would qualify for PSLP as long I my payments were on-time for 120 payments. I have attempted to speak with someone via email multiple times regarding this issue, but am only given a very generic response.
Product: Credit reporting or other personal consumer reports

I opened a secured credit card through XXXX at the suggestion of my mortgage lender to slightly increase my credit score by a few points so that I could qualify for a better rate on a mortgage. I paid the card in full every month by the due date and never carried over a balance to the next billing cycle. XXXX began reporting 100 % credit utilization to the credit bureaus decreasing my score by almost XXXX points. Being as I never carried a balance on the card, I never had revolving debt, and therefore I had 0 % credit utilization. 
Also, XXXX changed the terms to which they would give me a credit line increase without notifying in writing 30-days prior. They were supposed to review my account after six months of on-time payments for a potential increase and when I asked for one I was advised that this actually happens around month seven or eight and possibly even nine. I am a meticulous planner and never would have agreed to something like this.