23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company called at XXXX, and again thereafter every 2 hours It was stated that they are not authorized to contact me by phone as a cease letter was sent months ago. In addition, a request for the debt to be sent back to the creditor where the insurance payment can or could be adjusted was not adhered to. I have asked more than once for them not to call and they continue to do so with multiple numbers and both phone lines.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account on my credit report that does not belong to me. I have recently reviewed my credit report from your agency and was dismayed to discover several accounts that appear to be the result of identity theft. These accounts have been reported under my name and have had a negative impact on my creditworthiness. 
Below are the details of the fraudulent accounts that I am disputing : XXXXXXXX XXXX XXXXXXXX This account does not belong to me, and I have never had any association with them. I believe my personal information has been compromised, leading to the misrepresentation of my identity. I have taken immediate steps to report this identity theft to law enforcement, and I have also contacted the affected financial institutions to inform them of the fraudulent activity.
Product: Mortgage

I have been calling Chase Morgage many times since XX/XX/XXXX to remove my PMI. They first told me they would check if I was already qualified for the removal. I called back later and was told they sent me a letter to ask me to fill in a form in order to remove it. Then my nightmare started!!!

They first used wrong address by missing my apartment No. and then claimed to correct the address but still used the same wrong address to send out letter. So I never received the letter. Then I called to give correct address again and still never received the letter!! It had been 4 months!!!!

The first time I found they used the wrong address, they also claimed they could email me the form. However, the attached pdf needed a password to open but the password they gave me never worked. Then they pushed me out to different tech guy and nobody looked technical. All they did was to give me more password to try and it never worked. So I had to just wait for the letter. 

My husband also has a chase mortgage too and requested to PMI at the similar time, All he needed to do was to pay the house appraisal fee over the phone and then get the appraisal done to remove PMI smoothly. But Chase insisted to send me this paper form to let me sign to show I agree to do home appraisal for PMI removal though I had already paid them {$150.00} appraisal fee for removing PMI at the second time I called for the letter!!! I had thought I would receive the letter in 10 days and then just sent it back with the signed form. XXXX that it had been 3 months but I still struggled with the letter! 

I asked them why I had to do this but my husband did not need to and they just said different accounts are different which made no sense. Anyways, the problem is they were NEVER able to send the letter out to me correctly. After paying XXXX more months PMIs, I still did not receive the letter!!!! They are totally irresponsible and did not care! 

I even tried to talk to their manager over the phone in early XXXX, but she really did not care at all either. No any apology or shame for messing around the letter for so long. I said they should waive the home appraisal fee ( {$150.00} ) for their mistaking of not letting me remove PMI for so long and I had to pay {$82.00} each month for PMI!!! She simply said no and did not show any guilt. I told her I would file a complaint if they still would not send out the letter correctly. She totally did not care and immediately said she could forward my call to her boss. I said : '' No, I will file the complaint to a third party comapny ''. She showed no any care and just said ok. But again, she told me she send the letter out with correct address and I should receive in 5 -10 business days. Now it is XX/XX/XXXX. No any letter from Chase for me!!! 

I have spent lots of time to keep calling Chase for this PMI and their mistakes on sending out the letter. It had been crazy!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The first inquiry in question was purportedly initiated by the companies listed below. However, I have no recollection of conducting any business with the companies listed below or authorizing this credit inquiry. In accordance with my rights under FCRA, I contacted the below companies directly to rectify this matter, requesting that they remove the inquiry from their records and update all credit reporting agencies accordingly. They have assured me of their cooperation in resolving this issue, but to ensure a thorough investigation, I am also approaching your agency. 

Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 

I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. Timely resolution of this dispute will be greatly appreciated. 

Thank you for your prompt attention to this matter and for ensuring that the information on my credit report is fair, accurate, and compliant with the relevant laws. 


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

XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian website " credit dispute '' never works. it throws you to a page saying " we are experiencing technical difficulties and can not help you at this time. '' It does this ALL THE TIMe. I want an old bankruptcy removed should have dropped off my report 2 months ago : experian is making it impossible to get them to look at/correct by contstant website " sorry error '' URL when you click their " start new dispute '' button. 
thanks Bankruptcy chapter XXXX-discharged XX/XX/2009
Product: Money transfer, virtual currency, or money service

this has been going on for a year... 


They have my drivers license copies of my bank statements, copies of my pension copies of my wife bank statements, and still wont release my funds & will not talk to me on the phone
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name :
XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to dispute inquiries that are showing on my report. they are wrong. agent at XXXX told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple student loans with the account number XXXX. These loans were a part of a rehabilitation program that I completed. At the end of the rehabilitation, the loans are supposed to be closed out and the status of all late payments should be changed to paid on time. I completed the program, but all of the late payments still show on my credit report. I have sent letters to TransUnion so that they can update all of my payments to show paid on time, but they will not update the accounts. I have sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not removed the late payments from my account. I have attached a letter from the department of education that states that I have completed the rehabilitation program and that all of the payments on the accounts should be updated to show on time payments and that the accounts should be in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

The wait times to get a hold of Nelnet to service my student loan account have been insane for months. I have called multiple times since the pause ended only to be told by a robotic voice that the wait times are upwards of two hours with no option to be queued and called back. As a working professional that is actively contributing to society every day, it is extremely rare that I have two hours to burn to listen to terrible hold music while I patiently wait for someone to answer the phone to answer basic questions about servicing my student loans. I live in the mountain time zone and practically all of their customer service hours are during the work day, so it is virtually impossible for me to commit the time required to speak with a human being at Nelnet. 

If the government wants its money back so badly, then it needs to fork out the cash to service the portfolio. It's insane and frankly insulting to expect borrowers to enthusiastically pay their loans back while contracting with a servicer that literally does not have near the resources required to perform the most basic and critical functions of servicing a student loan portfolio. 

Additionally, when the pause ended, I had some loans that were in their grace period and others that grace had been exhausted on. I applied for the SAVE program and only my loans with exhausted grace went into the SAVE program. The rest of my loans still in grace remained in Extended Standard Repayment. I was forward thinking enough to call Nelnet ahead of the pause and was able to speak with someone about this and was assured that my loans in grace would go into SAVE as soon as they converted into repayment. Those loans converted on XX/XX/ and unsurprisingly remain in Extended Standard Repayment. So Nelnet 's representatives just made up an answer to my question rather than just saying " I don't know, let me follow up with you '' and actually taking the time to figure out what was going on. 

It is infuriating that the federal government has refused to support its student loan portfolio 's borrowers at nearly every turn. To add insult to injury, the DOE has decided to contract with a terrible, good for nothing servicer. I am so disappointed that they went with Nelnet because XXXX XXXX was so much better. 

Bottom line, the government needs to ensure that its student loan servicing vendor has the resources it needs to service the portfolio. It is literally the bare minimum required to get their precious student loans back.
Product: Credit reporting

I filled out a request on-line to Transunion in XXXX, 2015 to investigate a fraudulent reporting on my credit report. The request for investigation was for a line item on my credit report from XXXX XXXX, # XXXX, for a collection of {$410.00} that was from the XXXX XXXX XXXX XXXX in New Hampshire. I explained to Transunion that I did not bring my animals to that veterinarian, and further explained that when I called the vet to dispute the charge, the vet said the bill was for the animal " Willow ''. I explained that the animal in question was my x-wifes cat that she purchased years after our divorce. The vet also stated that the address on the account was my x-wifes, as well as the phone number on the account. Only the name was mine. Therefore, the vet removed my name from the bill but they did not remove the amount from collections. Therefore, I was disputing this amount on the collections with Transunion. Unfortunately, I never heard back from Transunion. When I called back in XXXX of 2015, they stated that they could see the request on-line, but the request never made it to the correct office to investigate my complaint. I then gave a second complaint over the phone, explaining all of the above. Transunion completed their investigation and came back with the result " VERIFIED, NO CHANGE ''. Therefore, I would like to file a complaint against Transunion for 1, not acting on my original request for an investigation into a fraudulent reporting on my credit report. But also 2, for completing the second request and coming back with a " VERFIED, NO CHANGE '' finding with all of the evidence clearly exists to show that this is a fraudulent charge.
Product: Credit card or prepaid card

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  - CARD SERVICE XXXX Balance : {$11000.00}
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, 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 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

In accordance with THE FAIR CREDIT REPORTING ACT ( FCRA ) This creditor XXXX XXXX XXXX account # ( XXXX  ) has violated my rights under 15 U.S. Code 1681 Section 602 states, I have the right to privacy ,15 U.S. Code 1681 Section 604a Section 2 also States that a consumer reporting Agengy can not furnish an account without my written instructions under 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Hi, I have submitted request multiple times to have the extended fraud alerts removed off my credit file from experian, XXXX and equifax. I have uploaded and sent all required documents and have not been able to get this accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY REPORT.
Product: Debt collection

Portfolio recovery associates has been using communication tactics and harassment go collect a debt that was fraudulently opened in my name
Product: Credit reporting or other personal consumer reports

Need info to show that your violations of the FDCPA will cease immediately Your assigned Debt rules and regulations for the state of Nevada Proof of purchase Proof of contract Privacy Notice Balance, payments, interest rates and payment history with an accounting ledger that shows everything has been documented according to FDCPA.

Proper service Full account disclosure of alleged debt Chain of custody How you verified this debt?

You refuse to remove this fraud from my account. I have provided all documentation to show this is fraud These accounts don't belong to me and I have no knowledge of these. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX. 
Different variations of my name and addresses I don't have any knowledge of.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account XXXX : XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently have been disputing unauthorized inquiries to get them removed.They are not being removed when there is in fact discrepancies and inaccurate information on the report. Biggest issue is the incorrect date of birth which Equifax is listing as XX/XX/XXXX. Correct date of birth is actually XX/XX/XXXX. Dispute to correct that DOB was made XX/XX/XXXX. Confirmation # of that update is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification from a bank institution stating that my loan request could not be processed because my Equifax report was " frozen ''. I called Equifax and spoke to three different departments and turned out that my report was " Credit Report Control ( CRC ) blocked ''. 

On XX/XX/XXXX, I sent a fax to the Security Department of Equifax Security, following their instructions and  including copy of my SS card and driver 's license. On XX/XX/XXXX, I called and learned that the letter was not received. I sent the fax for the second time, and also sent it via certificate mail with delivery confirmation using the USPS services. 

Yesterday I called Equifax and did not get any answer. My account is still blocked. They did not say who or when, or why it was blocked, and requested that I write a second letter, because they received a letter that was incomplete. Realizing that Equifax is incapable of solving this problem based on their customer handling and sercvicing, I decided to contact you office. 

I'm uploading files backing this procedures and also the front page of the last credit report I requested, dated XX/XX/2019, in case you need additional information from this data.
Product: Credit card or prepaid card

On XX/XX/17, we purchased 2 adjustable gold necklaces at a price of {$690.00} from ''XXXX XXXX XXXX , in XXXX XXXX , XXXX XXXX . 


Unto this day, we have not received the items. The credit card company was contacted and the merchant as well, but to no avail. 

The credit card company has reached a stage where they said they are not involved in this matter and contact should be made directly with the merchant. 

We tried with the merchant via numerous emails but no resolution have been made, only promises. 

Attached are communications.