23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have an account reporting inaccurate, incomplete, and mismatched data across all 3 of my credit reports. Numerous times I disputed the information with the credit bureaus as if this information was correct, then how can it be reporting differently on all 3 credit bureaus. Ive attempted multiple disputes and each time the credit bureaus state they investigated and determined the items to be verified. 

The credit bureaus FAILED to properly investigate the disputes to ensure accuracy of the mismatched data account and I am requesting a full and complete investigation by then as required by the FDCPA. I am also requesting all documentation used to determine their findings, their method of verification, and a complete detail of how they completed their investigation as required by law. If they can not verify all information is reporting accurately. I request an immediate deletion of the account from my credit reports. 

The account reporting inaccurately and mismatched data by equifax, experien, and transunion is listed as XXXXXXXX XXXX XXXX as a collection. 

All three credit bureaus failed to investigate multiple disputes for this same account previously and I am requesting they be held monitarily responsible and penalized as well as the account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The previous addresses reported on my behalf are incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical matter that requires immediate action. I have recently discovered that I have been a victim of identity theft, where several accounts have been opened in my name without my consent. 

As per the regulations outlined in the 15 USC 1681 c-2, I am requesting the block of information resulting from this identity theft. The unauthorized opening of accounts has not only compromised my personal information but also put me at significant risk of financial implications. 

I urge you to take urgent steps to rectify this situation and prevent any further misuse of my identity. I kindly request your prompt assistance in investigating this matter and blocking any unauthorized transactions or actions associated with the fraudulent accounts opened in my name. 

I have taken the necessary steps to safeguard my personal information and have also reported this incident to the relevant authorities. However, I believe that your immediate intervention is crucial in resolving this issue and preventing any further damage. 

I am attaching relevant documentation, including copies of the fraudulent accounts and any other information that may assist in the investigation of this matter. I would appreciate it if you could acknowledge receipt of this email at your earliest convenience and provide me with an update on the actions being taken to address this identity theft case.
Product: Debt collection

The XXXX XXXX XXXX in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Company about reporting account that was discharged in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquiries off 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
Product: Student loan

I have repeatedly called and applied for a plan to get my payment amount reduced. Once the FedLoan Servicing took an auto payment of over {$2000.00} out of my account without warning. Now, I have applied for an IDR several times and they keep not communicating with me and setting my payments above {$2000.00} per month despite my sending them a documented decrease in my income and increase in family size. After I submitted tax information, they sent a payment of over {$2000.00} per month and when I called, they said they needed recent pay stubs which I submitted. I called and got a forebearance with a payment of {$360.00} due inXX/XX/XXXX. Today, I get a letter requesting payment over {$2000.00} due XX/XX/XXXX without having answered by application for an IDR plan. I called and spoke with XXXX and he informs me that I need to write and fax names and dates of birth of all my family members! 
I feel like I have repeatedly gotten the run around with FedLoan and they are denying my ability to get an IDR plan
Product: Debt collection

About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. Immediately I filed a Police report and notified the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. I, recently received a letter from a collection name : CONVERGENT OUTSOURCING INC,  they are trying to collect an alleged debt with XXXX, alleged account # XXXX, alleged balance of {$750.00}. This account does not belong to me. Please note that I am also sending a copy of a Police report that I filed months ago regarding an identity theft issue.
Product: Prepaid card

On XX/XX/XXXX I called to report that I had not received my California middle class tax refund, either by bank transfer or by card. My understanding was that it would be an automatic transfer since I had filed my XXXX taxes electronically. When neither transfer or card arrived by the end of the distribtution period I called the number listed on the CA XXXX XXXX XXXX web page to report that I had not received it : XXXX At that time I was told that a card had been mailed to me and that on XX/XX/XXXX a withdrawal on that card in the amount of {$590.00} was made at an ATM in a shopping center near me. 
I reported on the XXXX call that this card was never received by me, no withdrawal was made my me, and that I was certain it was stolen from my mail box and activated by the thief. Our mailbox is on a XXXX XXXX and does not lock. 
At the time of the first call a fraud claim was filed by the representative and I was instructed to call back in a few months to hear the decision. A new card was mailed to me which I was told not to use until the decision had been made. 
I phoned on XX/XX/XXXX and was told my claim was denied because a " pin had been used to activate the original card. '' I was told on that call that I could appeal that decision and was instructed to do it by email, which was sent on XX/XX/XXXX this email address : XXXX. I have a copy of that email. 
In the email, I reiterated what I had communicated by phone in the first report : " I am writing to appeal you decision in the dispute filed on my case # XXXX * I live in a rural area, where banks of mailboxes are lined up about a block away from our houses. My mail box does not lock ( since this has happened I have replaced it with a locking box ) * when the card arrived someone removed the piece of mail, followed the instructions for setting up a pin, and then withdrew most of the funds from the card {$590.00} in XXXX transaction * since I never received the piece of mail, I do not know what those instructions were. But I can say with confidence no separate mailing with pin instructions arrived, and a friend who received her confirmed that as well. So it seems to me that the thief stole the card, set up the pin, and withdrew the money. 

I am a single mother of XXXX so would very much like to receive this. 
I appreciation your taking the time to hear my appeal and look forward to your reply. 

You can reach me by email ( email omitted ) Thank you. '' The agent on the XX/XX/XXXX call had a new card mailed to me. But no additional funds have been added to it, and no reply to my appeal has ever been received. 

I would like to have the {$590.00} remaining funds sent to me as I was a victim of fraud due to : -not receiving an electronic deposit instead of a prepaid card -the company not having a secure system for distributing those funds to prevent fraud -the company not notifying people when cards that clearly stated " middle class tax refund '' as the return address were left in mailboxes - an easy target. 
-no communication from the company about my appeal. 

I appreciate any assistance you can provide.
Product: Debt collection

Repetitious calls from a third party company XXXX XXXX XXXX XXXX by very rude customer service agents after I have repeatedly asked them not to call me about the second party company XXXX XXXX XXXX XXXX XXXX XXXX intention to collect a debt for the first party company XXXX XXXX XXXX XXXX. I don't keep records of the phone calls ( 2 to 3 Times a week ). The unresolved debt is XXXX to XXXX XXXX XXXX. I have called XXXX XXXX XXXX on several occasions to speak with an company official regarding handling this but only to be connected with a outsourced communications company handling their phone calls in some third world country and was unable to resolve any issues. I have tried to communicate with XXXX XXXX on 2 different occasions to discuss the matter but was connected with a very rude CSR demanding payment immediately and that I was to provide her with all my personal information.
Product: Bank account or service

I had signed up for transunion credit monitoring. I tried to cancel several times in the last six months, I am not able to cancel this service, no one answers the phone it is a constant busy signal, I tried emailing them and could not, there is no way to cancel this service. I went to my bank to stop the payments and they said it has to be handeled with transunion. I can not even access the transunion account.
Product: Payday loan

Got a call from a company called Radiant cash stating a loan was taken out in my name XX/XX/XXXX. These funds was deposit into an XXXX XXXX account which has been closed since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Money transfer, virtual currency, or money service

I MADE A COMPLAINT BY MISTAKE, XXXX, WAS A GOOD TRANSACTION I MADE ON XX/XX/22, I MADE THIS COMPLAINT BY MISTAKE, PLEASE CANCEL COMPLAINT, THANK YOU XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are reported incorrectly and do not belong to me, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in document
Product: Debt collection

I Filed a complaint with a supervisor about violations of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. a representative of the company called my father who is an account holder with the company and disclosed information about the account without my consent. I was told the supervisor would investigate the complaint and that I would receive correspondence but I did not.

Unauthorized Sharing of Information : Violations may occur if a financial institution shares a consumer 's nonpublic personal information with nonaffiliated third parties without obtaining the necessary consumer consent or without complying with the opt-out requirements.
Product: Debt collection

Upon going over my credit report, I noticed several accounts that seem to have been added without my permission and are inaccurate. Please block and remove these accounts as soon as possible.
Product: Mortgage

In XXXX of this year, my division at the University where I had been employed for 18 years was forced to downsize due to COVID. As a result, I took early retirement and sought employment in the private sector. I was hired for a new position starting in XXXX. Knowing that my budget was going to be tight until I again began receiving a paycheck and until my pension kicked in 90 days after retirement, I tried to contact my loan servicing company to work out a solution. In countless phone calls to LoanCare customer service I was either placed on hold for over an hour or disconnected after following prompts to speak to a representative. I tried over and over to contact LoanCare but was unsuccessful. Left with little alternative, I continued to send payments toward the account in amounts that I could afford and when I could. LoanCare , LLC continued to send letters of default and I continued to try to contact them to no avail. I finally contacted my mortgage broker who originally processed the loan and he was able to arrange through his parent company a conference call with me, him and a LoanCare representative. During the course of this call, it was revealed that, while payments were being withdrawn from my bank account, they were not being credited to my mortgage account. I indicated that I now had the resources ( with a regular paycheck and pension ) to bring the account current by the end of XX/XX/XXXX. I have made these payments and had a conversation with a LoanCare representative " XXXX '' on XX/XX/XXXX in which she confirmed that the account was current and no payment would be due until XX/XX/XXXX. However, when logging into the LoanCare website, the site still indicates that there is a XX/XX/XXXX payment due. I have been messaging Loancare daily through their website for clarification regarding this matter, however no response has been forthcoming. A quick XXXX search for LoanCare , LLC shows that there are numerous customers who have similar issues trying to communicate with this company.
Product: Credit reporting or other personal consumer reports

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account incorrect and has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : XXXX. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

XXXX. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the following address contained within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Product: Mortgage

On about XX/XX/XXXX I took out a loan to purchase a house with XXXX XXXX XXXX in the amount of {$350000.00}. At the time I only put 15 % down which required me to get PMI on the loan. 

The plan was always to improve the subject property and I was specifically told by my lender , XXXX XXXX XXXX, prior to closing on the loan that I could have the PMI removed at any time if the then appraised value of the property resulted in an LTV of at least 80 %. This agreement is further evidenced by the specific PMI removal instructions XXXX XXXX XXXX sent me on XX/XX/XXXX. 

Sometime earlier this year Chase acquired my loan from XXXX XXXX XXXX After being made aware that my loan had been sold to Chase I contacted Chase to find out how to start the PMI removal process. On XX/XX/XXXX Chase sent me a letter outlining a completely different set of PMI removal terms which, among other things, provides that : ( a ) I am not eligible to have the PMI removed if the loan is less than XXXX years old ; and ( b ) that in order to have the PMI removed at any time the then appraised value of the property must result in an LTV of at least 70 %. 

As provided above, the PMI removal terms given from Chase are substantially different from the terms given by my original lender XXXX XXXX XXXX XXXX I have repeatedly tried to explain this to Chase 's representatives and have even sent them a copy of the PMI removal term letter I received from XXXX XXXX XXXX After over a month of back and forth Chase still refuses to honor my original PMI removal terms. 

The PMI removal terms given to me by my original lender, XXXX XXXX XXXX, were in place at least as of XX/XX/XXXX when the letter was sent to me. Chase subsequently acquired that loan and therefore takes it subject to all of the agreements and obligations of the original lender including these PMI removal terms. Therefore they should be required to honor the PMI removal terms that were given to me by XXXX XXXX XXXX in the XX/XX/XXXX letter. 

For clarity here, XXXX XXXX XXXX was not simply a servicer of my loan, they were the original named lender on my loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have not received anything from the XXXX or equifax within the 30 days.
Product: Payday loan, title loan, or personal loan

I made numerous purchases using SEZZLE.COM, a buy now pay in four company. I have used them for over 18 months. I purchase items through them and then they charge my credit/debit card or checking account every two weeks until the item is paid for. 

In XX/XX/XXXX I became unable to pay my credit cards and Sezzle due to unforeseen circumstances. I notified them to stop billing my credit/debit cards and my checking account. They were notified in writing on : VIA EMAIL : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VIA XXXX : XX/XX/XXXX I will be glad to forward you a copy of each of these contacts. I have received 3 actual responses with one relevant, the one that says I am out of luck. 


With each of these notifications I asked for a complete invoice for everything I owed to be mailed or emailed to me. I also said as soon as I was straightened out I would contact them. They have either refused to acknowledge my communications, answered them with non relevant information, or basically say sorry we will do what we want. 

Since asking them over 4-5 times to stop trying to charge my cards/checking info they have attempted to bill these methods from 10 - 45 times per day. Two cards were canceled due to excessive declines, one sends me an email with each decline, and the other just locked my card. I am attaching a couple of the emails and will gladly forward more if you wish. These decline emails indicate decline because card not activated because the company canceled my card and issued a new one because of Sezzles activity. The new card can not be activated until Sezzle stops their attempts. I have also attached a screenshot of my inbox so you can see how Sezzle is Robo-Billing the cards after being told not to.
Product: Credit reporting

XXXX date opened XX/XX/2006 and the statue of limitation stated how long items remain on credit file. 7 YEARS ONLY I WANT THIS Their date of last activity is inaccurate in credit file. I want this removed immediately from my file according to FCRA. Thank you.