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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I went to upgrade online to make hardship payment {$140.00}. The website showed no payment due for XXXX, but showed payment due XX/XX/XXXX. I called to make sure of no payment due for XX/XX/XXXX. I was told no payment is scheduled for XXXX. I said oh ok so I will pay for XXXX? I was told yes. XXXX I'm back to regular payment {$490.00} which I feel is very high. But due to the website mistake upgrade is stating I am 40 days late. On UPGRADE website customers can't even get statements to see their monthly statements. XX/XX/2024 I asked to speak with a supervisor, her name is XXXX ( No last name ) when asked for ID number XXXX doesn't have an ID number. I've also sent out countless 1099C And 1099A for every payment made, UPGRADE has not canceled the debt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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

On Wednesday XX/XX/year> and again XXXX XX/XX/year>. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?
Product: Checking or savings account

On XX/XX/2023, I received a call from a Chase representative, from the Chase customer service number, saying that my account had been compromised. They had identifying information about my bank account, information Chase is responsible for protecting. They used that information and the fact that they were on Chases phone number to convince me that I needed to initiate a wire transfer reversal to stop funds from leaving my account. I took these steps, under the advisement of the Chase representative, to protect {$9200.00}. Except it was someone who had spoofed Chases phone number and was actually wiring the money to themselves. I immediately went into a Chase branch in XXXX, Texas, and asked them to stop the transfer, but it was too late. They put in a swift recall request with XXXX XXXX to mark the transfer as fraud, but I learned on XX/XX/2023 that it was unsuccessful and the money had left the account it was wired to. Neither Chase nor XXXX XXXX have offered any solutions other than asking the person who took the money - a scammer operating under Chases name and phone number, with my personal information at hand - to give it back to me. I would like Chase to take responsibility for the lack of care they have taken with their own phone number, as well as my personal information, and take additional steps to restore my money.
Product: Checking or savings account

On Friday, XX/XX/XXXX my wallet was lost. I assumed I had left it at work until Monday morning I woke up to 2-3 fraudulent charges. I called the bank on XX/XX/19 and was told I had to wait for the transactions to fully settle before disputing, fair enough. On XX/XX/19I replied to a message regarding a dispute I had filed a week or so prior for merchandise not received, and advised that I needed to dispute the 2 transactions now that they had settled. I still have not heard back from this message, so I called on XX/XX/XXXX and was finally able to dispute the transactions. 

Per Regulation E I am entitled to a provisional credit while they investigate given their investigation is going to take longer than 10 days. I believe the bank is not following the regulation as I have not received a provisional credit for the dispute filed on XX/XX/XXXX nor the original dispute for merchandise not received which was filed on XX/XX/XXXX and confirmed by the bank on XX/XX/XXXX via the message I replied to but have not heard back on. 

I've reached out to the financial institution both via phone, email and via social media and have been dismissed each time. I am filing an official complaint not only because I believe I deserve the credit, but also because I believe the bank itself is in violation of this regulation with other customers as well. I urge you to look into this bank entirely, not just for my case.
Product: Credit card or prepaid card

On XXXX, I called Citi to cancel my account. Citi claims that they were unable to verify my identify ( despite me providing my security word, and other information ) and refused to close my account.
Product: Debt collection

I have repeatedly disputed XXXX accounts with Navient, which from my research were recently purchased from another lender. I have asked on more than XXXX occasion that all communication be done in writing only, so that I may keep records. 

Navient has instead chosen to spoof their number and repeatedly call me looking for the account holder ( which i am not ). It is ILLEGAL for a collections agent to block, alter, or otherwise attempt to make their phone number appear as a local caller instead of the actual phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts over 6 times. I keep getting a letter back saying they will not investigate. I have sent my documentation with my id, social, and utility bill for proof of address. I demand an investigation. This is a blatant disregard for my rights under FCRA.
Product: Credit reporting or other personal consumer reports

Credit card usage account information from XXXX XXXX. 

XXXX XXXX -Last reported XX/XX/XXXX, XXXX Account is closed and shouldn't be listed under active credit card usage. 

XXXXLast reported XX/XX/XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 


XXXX - XXXXLast reported XXXX XXXX, XXXX is closed and shouldn't be listed under active credit card usage. 

XXXXXXXX XXXX XXXX -- Last reported XXXX XXXX, XXXX transferred to XXXX Jewelers and shouldn't be listed under active credit card usage. 



XXXX XXXX - {$0.00} out of {$2200.00} -joint account with spouse and I was removed from the XXXX  XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$650.00} -joint account with spouse and I was removed from the XXXX XXXX showing on open credit usage and open. 


XXXX XXXX -- {$0.00} out of {$3800.00} -- joint account with spouse and I was removed from the XXXX, showing on open credit usage and open.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. Experian has also failed to conduct a proper review, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation.

Furthermore, Equifaxs actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 
I request that the CFPB take action to ensure Equifax and Experian comply with federal law and provide consumers with proper investigation proof.
Product: Consumer Loan

I took out a loan for {$600.00} and was never advised that my interest rate was 520.01 %. The company also tried to withdraw money from my account without my authorization.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6300.00}.
Product: Debt collection

I am constantly harassed by this company with phone calls and U.S> Postal mail for them to try and collect a debt that I no longer am liable for through my bankruptcy over 7 years ago. If you look at my credit reports you can see that there is no debt that is on any on my reports. But this company continues to harass me to the point that if the CFPB does not stop this I will have to call the police. I actually tried calling them and asking them to remove my account completely and the call center they use in XXXX were completely rude to me and said " No I owe them money ''. Which Is obviously not true and a tactic they are using to swindle people out of money that people are not liable for any longer. The letter they sent also said that the Division Manager is a person named XXXX XXXX. When I asked to speak to this person the representative on the line said there is not XXXX XXXX. This company needs to be investigated ASAP. I want my account completed removed from I do not want be contacted once more otherwise I will file harassment charges and I will also contact the federal agencies that oversee these types of company 's
Product: Mortgage

My house burned down XX/XX/2020, and Reverse Mortgage Solutions is holding my insurance money and will not release the funds for the house repair. I have provided all the information that they need in order to release the initial funds for the repairs. For over a period of four months, I have been negotiating with them to release the funds for repair. They still have not sent the funds, and keep saying the check is in the mail, for four months. They also said they stopped payment on one check, and are issuing another. I am stilling waiting for the funds. There have been issues with the agent in charge of my case. I have called numerous times, only to be given the run around every time. The ILV number of my case is XXXX. The agent 's name is XXXX, and his ID is XXXX. The total amount owed is XXXX dollars. The initial amount to be issued is XXXX, one third of the total, in order to start repairs to my house.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : XXXX XXXX : XXXX, XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX : XXXX, XXXX, XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, XXXX and Experian are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. XXXX has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with XXXX of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form XXXX offers for consumers to make requests to update their credit files will not allow for the full XXXX word Personal Statement, as mandated by Federal Law. Meanwhile, Experian similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that XXXX and Experian would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of XXXX words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Vehicle loan or lease

My original car loan was with XXXX and the gap insurance was with XXXX. I refinanced the loan with Foursight Capitol and XXXX for gap insurance. XXXX paid to Foursight Capitol the amount of {$640.00} for gap insurance. Recently the auto was a total loss in an accident. XXXX paid the insured amount for the loss. Foursight Capitol claims there was no gap insurance. The amount of {$640.00} from XXXX was cashed and kept by Foursight Capitol. Foursight claims I have no gap insurance. I called Foursight on XXXX at XXXX for a management callback from XXXX. I called back at approx XXXX pm after no callback. I called Foursight back at XXXX after not receiving a callback and was assured I would receive a callback.I received no callback that day. I called Foursight again on XXXX. 

Foursight said a XXXX did not want to talk to me. I accessed the Foursight website on XXXX after the phone call. I left a message on their website stating I wanted a management callback. I received no response. I called Foursight back at appox XXXX and asked for a XXXX. I was told by the agent that a XXXX would not speak with me. I want to know what happened to the {$640.00} that was paid from XXXX and cashed and kept by Foursight Capitol. I can get no answer from Foresight Capitol.
Product: Mortgage

I made extra payments to my mortgage so my LTV is 77 % but my mortgage bank Wells Fargo refuses to cancel my PMI without paying for a broker 's opinion or appraisal. They said it does not matter what my current LTV is, I either have to pay for the appraisal that determines my eligibility or wait for the date of 78 % specified on the amortization schedule that was generated on the loan closing date. According to the amortization schedule I received at the loan closing, I have to wait until XX/XX/2025 for them to automatically cancel the PMI. 
Is this legal? I need some advice. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed their inquiry with Chexsystems and received a letter on XX/XX/2022 with a phone -number attached to the inquiry which is supposedly my phone number. Instead it is not and it is a- google voice number in which know one answers That number is XXXX. Additionally I NEVER inquired about a loan from XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX. I have attempted to call the number listed for your business and continue to be forwarded to a XXXX the number listed is XXXX I want the inquiry from Chexsystems to be removed because I NEVER attempted to get a loan from your company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX  they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter