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

This is my NUMEROUS 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

LoanCare XXXX XXXX XXXX ( XXXX  ) I have maintained insurance on my property and paid for the policy separately from my mortgage and escrow account. I have sent this information to LoanCare. LoanCare accepted my policy in XXXX. Then in XXXX they rejected this policy and on XX/XX/XXXX they charged me {$2400.00} for a XXXX XXXX XXXX XXXX XXXX XXXX  ). I protested this and on XX/XX/XXXX they accepted my policy and credited me for the {$2400.00} they had charged me back in XXXX. Then without any explanation on XX/XX/XXXX they once again charged me {$2400.00}. Then on XX/XX/XXXX LoanCare charged me {$2400.00} for the next years insurance. I continued to maintain and pay for my own policy. I continued to protest the placement of XXXX but without results. On XX/XX/XXXX LoanCare charged me for an additional year of XXXX at a cost of {$2400.00}. I once again I protested and provided the policy that I purchased separately and LoanCare once again rejected my policy. 
The policy that LoanCare purchased placed the value of the house at {$220000.00}. The XXXX XXXX XXXX values the building at {$3000.00}. I protested the improper valuation of the building for insurance purposes and talked with insurance experts who stated that even thought the insurance policy was purchased with a valuation of {$220000.00} if a claim was made the insurance company would not pay a claim for anything more than the actual value of the house or {$3000.00}. Essentially the purchasing of the XXXX for a {$220000.00} valuation was simply a fraud that increased the XXXX XXXX XXXX. I discussed this with the Insurance company, and they told me that they were not allowed to discuss this with me. I needed to discuss it with LoanCare because LoanCare was the insurance agent that placed the policy. LoanCare refused to discuss this with me. 
On XX/XX/XXXX LoanCare almost doubled my escrow payment from {$490.00} to {$930.00} to cover the cost of the XXXX. At this point I had been protesting the XXXX with no results from LoanCare for over 18 months and I was not getting anyone at LoanCare to respond to my complaints. So at that time I wrote to LoanCare to explain that I would not put insurance money into their escrow account. I made every effort to resolve this with them and they refused to communicate with me. On XX/XX/XXXX I reduced my payments to LoanCare to exclude the XXXX cost they charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from XXXX XXXX XXXX with the account number XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and XXXX XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXX XXXX as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that XXXX XXXX XXXX has sent a Debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit reporting or other personal consumer reports

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX to validate my debt & signature from both the collection & originating agency, as well as filed a complaint with the XXXX It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.
Product: Debt collection

I'm receiving emails from a XXXX XXXX to try and collect debt. I don't have any outstanding debts. He indicates its XXXX XXXX XXXX which Is now owned by XXXX XXXX  XXXX and that i have outstanding debt to be collected. 

Their address is XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX Credit Card that was closed back on XX/XX/XXXX. Due to financial difficulty, I was not able to keep up with payments. Since then, XXXX  has charged it off, but keeps reporting it to the credit bureau at Failure to Pay. XX/XX/XXXX marked 7 years since it was closed and XXXX   is continuing to report it on my credit report. I made attempts to pay for removal of delinquency reported on my credit report. I also wrote letters to XXXX  and the credit bureaus to remove XXXX  from my credit report. This has affected my credit score tremendously and has hindered my ability to qualify for home loans for my family.
Product: Credit card or prepaid card

I have been a customer with Chase since XXXX as a credit card holder. It is one of XXXX credit cards I hold. I have always made my payments on time, but during the early part of covid I got behind and had 2 late payments which is unlike me but I was trying to keep my employees paid and a business running. I called chase to get on a payment plan to get this caught up. While other credit card companies were helpful during such a difficult time for the whole world, Chase chose to be opportunistically predatory to their borrowers. They raised late fees by {$13.00} each, and offered no forgiveness in interest rates or payment plans. After 2 exhausting long calls with Chase they refuse to work with me to get on a reasonable repayment. 

I am not sure what this world is coming to, but allowing huge corporations to abuse their customers is more like XXXX XXXX  than a banking establishment. Why does chase get to get away with making more during the pandemic while others suffered and not only that but add to those same struggles we have all suffered through? Its a shameful practice with terrible optics. Chase JP Morgan needs to be held accountable for their role in predatory practices. Chase has been questioned by local congress for their lack of doing what they said they would during the pandemic and it is glaringly obvious Chase holds the stance that they can't even be bothered to respond to the Congressional inquiries or do what is required of them. Yet another bank that acts more powerful than our own govt. and operates with impunity and vicious practices. If regulators will not review this company further and audit the JP Morgan Chase pandemic responses and policies, then I will not stop until this hits the highest level of media and public awareness. Please take the necessary time to investigate Chase JP Morgan, millions of customers are being punished by this unethical organization every day.
Product: Credit card or prepaid card

XXXX XXXX through XXXX charges me outrageous late fees, refuses to work with me on making these payments, then tries to take money from my bank, causing me to get overdraft fees. Customer service representatives call me on a daily basis, are rude, and are unhelpful.
Product: Debt collection

Midland Credit Management company keeps calling me more than once a day ( usually 3 to 4 times a day ) often before XXXX XXXX and after XXXX XXXX. They have called as early as XXXX XXXX  and as late as XXXX XXXX. They have threatened to call the police and have threatened to have me arrested and sued. I have told them to cease and desist contact but they still do and call from various spoofed numbers.
Product: Credit card or prepaid card

I was at XXXX and buying breakfast for my XXXX daughters 's the total came to be XXXX $ The credit card has {$19.00} in credit so I assumed that since you have the credit you can use it, Well Guess not. They declined the transaction cause I missed my due date by two days??? Even though I scheduled the online payment. Keep in mind I never missed a payment. In any credit card there is a grace period!! and in what law that you have a credit on your CREDIT card but you can not use it!!! 

I talked to XXXX and he literally did not give a XXXX about what I had to say. all that he kept saying I will get your complaint to our escalation team. 

The emotional stress that I had to go through is priceless. Where in the world you can not use your credit if you have it on your credit card????
Product: Student loan

I have not had a resolution to my complaint about my account from Mohela about my account balance or refund! I have called several times and send several emails. I received a response today on my Mohela account and here stating that my issue was resolved and here that my claim has been closed. Not resolved and no timeframe was given as to when I will receive a real answer. Anytime you call the customer service number you are given several different answers. I would like a real answer! How long can you possible need to get an answer? I have been on this since XX/XX/2023!
Product: Credit card or prepaid card

XXXX charged on XXXX card and XXXX cards fraudcharges of XXXX and XXXX. Bank of America someone got my XXXX XXXXXXXX card and charged {$3900.00}. 

Both banks are not dismissing the charges. I filed a police report and sent it to the banks. I never made these charges. The banks refuse to dismiss the charges that I never made.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

My information was breached by more then one breach equifax data, XXXX XXXX, & found on XXXX web since i found UNAUTHORIZED ACCOUNTS & INQUIRIES that need to be DELETED
Product: Credit card

I have tried more than once to amicably resolve this issue with TD, but they refuse to comply. I now intend to exercise my dispute resolution agreement and arbitrate with them if this can not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has incorrect hard inquiries on my Experian credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Experian credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.
Product: Credit card or prepaid card

On XXXX our Chase card had fraudulent transactions committed on it and we were made aware via text. I stated that these were not my charges and the card was immediately closed. The following few days additional charges appeared. 

XX/XX/XXXX a charge was put through by a XXXX for XXXX. 
XX/XX/XXXX a charge was put through by XXXX for XXXX. 

I had to make subsequent calls in XXXX to again have these charges removed. 

On XX/XX/XXXX these charges once again appeared on my card. I had to call into Chase again to get them removed. The charge for XXXX was immediately taken care of with no questions. 

The charge for XXXX this time they are telling me that i have to submit additional information ( which i did on XX/XX/XXXX after speaking to them ) as they stated after investigation they thought i made this charge - it is not in our order history and does not link to our account. 

I have not been contacted or told any of the resolutions of these items, i can not speak to a supervisor and am never given the same person again to handle my case. I will be closing my account with chase, and wanted to report this as although i have received my money back, if i had not be vigilant in watching my account, i would not have noticed this and they never provided me information back that would allow me to dispute their mistake ( the XXXX charge ).
Product: Credit card

This complaint is about a case that was closed by you. CASE # XXXX XXXX / Care Credit Acct. # ending in XXXX You contacted them and they responded with a letter. They stated in the letter that they did all the things I complained about. when I called the phone number ( XXXX, ext. XXXX ) provided " I welcome the opportunity to assist you. Respectfully, XXXX XXXX XXXX  XXXX ''. 
No one by this name picked up and I was prompted By another name to leave a message 5 times. I wanted to ask for proof. I think they believe that I am a fool and so are regular government agencies. I would like to know if you received the letter that they cc : Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove inaccurate items from my credit report. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference.

I first contacted Credit Bureaus to dispute the presence of inaccurate items on my credit report. These items includefraud items that are needs to be removed immediately. I provided evidence supporting my claim that these items are indeed inaccurate and should be removed from my credit report.

Despite my repeated attempts, the inaccurate items continue to be listed on my credit report, adversely affecting my creditworthiness. I have made several attempts and unsuccessful attempts to resolve this matter, and I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration.

I request that you take immediate action to investigate these inaccurate items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any subsequent correspondence between myself and to Credit Bureaus.

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly.

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the inaccurate items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed inaccurate items once the investigation is completed. Please help me removed these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Debt collection

Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take legal action.
Product: Mortgage

On XX/XX/2021, my wife and I wired a pre-payment penalty and paid off a HELOC loan on our primary residence. We grudgingly paid TIAA the prepayment penalty of {$1600.00}, plus a recording fee of {$180.00}, in order to get the HELOC off our title so that we could refinance the primary home loan. Shortly thereafter, we received a letter confirming receipt of the prepayment penalty and recording fee and also confirming that the HELOC has been closed. We thought this was the end of the ordeal, but 396 days later, the HELOC remains on our title, because TIAA has failed to record a reconveyance deed. 

We are trying to refinance our primary loan, but that effort is being held up ( and jeopardized ) because the title company is ( rightly ) demanding that TIAA record a reconveyance so that our title is clear of the HELOC. Over the last several months, I have spent well over four hours collectively over several phone calls to their help line ( XXXX ) and have spoken with no fewer than 15 people over those phone calls. I have also sent emails through their on-line access site. No one is able or willing to help me. Despite numerous attempts to contact TIAA by me, my wife, my lender, and my title agent, NO ONE can tell me why TIAA has yet to remove this loan from our title report. Over the course of these last several months, I have been told the process would take 15 business days, not once, not twice, but three times. When I call the TIAA number, they tell me I need to call the Loan Care number ( XXXX ), which they claim is a separate entity responsible for resolving this issue. But when I call the Loan Care number, they tell me I need to call the TIAA help number again. 

When I ask to talk to a supervisor at either number, I get put on hold for long periods of time, followed either by the same person informing me that his/her boss can't help me either, or that it will take another 15 days to resolve. 

This has taken place over the course of several months, and NO ONE has given me any indication that they know or care about what to do to help us. I have never in my life experienced this level of, not only incompetence, but sheer indifference. It is now costing me money, because I can not refinance my home loan without getting this loan off my title report. We have done everything we can at this point. No one from TIAA is getting back to us. Please let us know what more we can do to get the reconveyance recorded so that we can get on with our lives.
Product: Credit card

XXXX XXXX took out three credit cards in my name with out my knowledge even signed my signature. 
XXXX. Amex for XXXX. I found after card was 90 days late paid the XXXX balance and closed it. paid and closed XX/XX/23 XXXX. XXXX XXXX for XXXX I found out about this file after it was in collection. 
XXXX XXXX for XXXX paid and closded after 30 day late on XXXX
Product: Vehicle loan or lease

I purchased a car through a small dealership and StateFarm financed my loan. I've been paying the loan and insurance for 3 years now. Back in XXXX, my car engine mount broke due to a pothole. I look my car to XXXX dealership and submitted an insurance claim. The adjuster went there and looked at the car and said it had all these prior damages years ago before I got which made it a salvage title car so insurance wasn't willing to pay for my car. I then begin to check my statefarm documents because on my credit account it had a different vin that wasn't my car. XXXX proceeded to send me my loan agreement in the mail because I was curious due to the fact they don't finance salvage-titled cars. There it was on my loan promissory agreement it had the incorrect vin. My agent committed fraud so the deal could go through. I believe this is due to the fact one or two things weren't messed up about the vin it was a whole completely different vin and it's to the same make and model as my car down to the color. So yeah they definitely committed fraud to make my deal go through. I told specifically that a resolution I want bare minimum was to have my loan cleared because they were trying to just change vin to correct one. I'm like that doesn't work for me because my car is salvaged it was never supposed to be financed y you guys in the first place. My StateFarm agent was there at the dealership with me he inspected the car and all.
Product: Mortgage

I was aware, especially after mandated flyers were sent repeatedly by the servicing company, Specialized Loan Servicing, that auto-termination of the PMI on my mortgage would happen XX/XX/XXXX of XXXX. I waited a month or two to reach out after I realized that this wasn't going to happen automatically. The company said they would look into it, however they promptly transferred my mortgage to another servicer. I believe they broke the law and they do owe me for the PMI I have paid after it should have been terminated automatically by reaching 78 % of Original Value.
Product: Debt collection

Called the company Fair Collections and outsourcing in XX/XX/year> for the amount of {$33000.00} and ask for a validation of debt the correct amount and documentation be sent to me the debt collector said she would get back to me with correct information and send a validation letter i never received this info since then ive disputed multiple time with no resolve