23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/ I made a written request to have PMI removed from my mortgage as required by the Homeowners Protection Act. On XX/XX/XXXX  I called Truist to check on the status of my request since there had been no update on my request. The customer service representative I spoke to told me a letter had been sent on XX/XX/XXXX  ( attached ). I did not receive this letter until XX/XX/XXXX. The representative read the letter and informed me that my request had been denied because my home was a second home and my loan to value ratio ( LTV ) needed to be less than what my current LTV was. She would or could not elaborate on why my home was considered a second home, which it is not. This caused a panicked response by me and I immediately called XXXX XXXX  and my homeowners insurance to figure out why this was being reported as a second home. Nobody I spoke to at XXXX XXXX or my insurance agency could see that this was a second home. I then called Truist again for more information. I was told by the second representative ( XXXX ) that I was not at the required 80 % LTV when I made my request and that I should make the request again. This was false information. I called a third time and spoke with a different representative over concerns that I would not be able to make the payment for a Brokers Price Option ( BPO ) in time since the letter dated XX/XX/XXXX said I had 30 days from the date of the letter to make the payment via check before I had to start the request over. I informed Truist that I did not have a checkbook and in no way would make their deadline after receiving their letter 10 days into the deadline. The truist representative said I could make the payment via my escrow account. On XX/XX/XXXX, I made my regular mortgage payment with an additional {$190.00} escrow payment for the BPO. I then called Truist to verify that this would be earmarked for the BPO payment. I was then told that this would not be accepted and that I needed to send a check. I have now been provided false information by Truist four times in regards to the PMI removal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. I would appreciate it much if you remove the items I will be listing below
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was used by a relative whom I didn't loan the card to and needs to be taken off of my credit report. 
XXXX XXXX TransUnion XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogator Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} No. of Months ( terms ) : XXXX High Credit : {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$660.00} {$660.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B obliges us to remove inaccurate accounts from my credit report. Could you check the documents? Some accounts have been reported with incorrect amounts and dates.
Product: Credit card or prepaid card

My Upgrade credit was used fraudulently for make purchases in the State of Florida. I last used this card to charge a XXXX rental car on XX/XX/2023. While in my state in Florida I found out that my credit card was used in 4 other different places. This happened because I received a text from upgrade to confirm a purchase of {$450.00}, which i denied. I then froze the card and call the upgrade, INC on the next business day to inform them that this charges were fraudulently. The whole fraudulent amount if charges equals to {$540.00}.
Product: Payday loan, title loan, or personal loan

They double charged me and the promised that since I returned to school they would drop the first charge and only charge me for the return well they lied and double charged me can u please close this account satisfactory
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX, Transunion, XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, TRANSUNION, XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CRPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

My Mortgage company, Mr. Cooper, keeps adding junk fees to my account. Lately they have been labeling these fees as inspection fees. My mortgage is not behind, it has been paid timely and is usually a month or two ahead. I now have {$1100.00} in fees and no one at the mortgage company can explain to me, why these fees are being added to my account. I have written letters and sent emails, but I never get a response and the fees keep adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried without success to get an erroneous hard inquiry removed from my credit report since XX/XX/2020. I have followed all of Experians directions ( they changed multiple times ) with no success. The Merchant XXXX XXXX XXXX stated they submitted a letter and changes through Experians portal multiple times. I contacted Experian many times since last year. A few months ago I was able to speak with a representative who actually attempted to assist. She called the Merchant and setup a conference. It was learned the letter that was sent by the Merchant had a XX/XX/2020 date and the Merchant needed to resend the letter with XX/XX/2020. I provided both letters as a reference. It was agreed during the call the Merchant will send the letter to my email and I would attempt to upload it on Experians portal. After more than twenty minutes and multiple browsers the file would not upload. The representative requested that I send the letter via postal mail and as soon as they receive it they would remove the item. I sent the letter certified XXXX tracking # XXXX XXXX and they still refused to acknowledge receipt. I issued a complaint with the XXXX  and Experience has yet to acknowledge the report. Yesterday I received an email from Experience however they provided no information regarding resolving the complaint. I then called them this morning ( XXXX ) and the representative stated they received my letter but did not receive the Merchants letter. I told her that is impossible because both letters were in the same envelope. At this point it is my belief Experian has no intention of resolving this issue. XXXX  corrected the error within two months and XXXX  after a XXXX  complaint. I also thought that paying for a Experian membership would assist in getting these errors corrected but it was a waste of six months of payments.
Product: Credit reporting or other personal consumer reports

These debt collectors are attempting to fraudulently collect a debt, through deceptive practices and misrepresentation. In accordance with the Fair Credit Reporting Act 15 USC 1681 I ( 5 ) ( a ) & 15 USC 1692 ( g ) & ( c ). Information that is inaccurate or incomplete must be deleted .The accounts listed below are violating my rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act and many more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Product: Debt collection

Complained about this company before they are based in XXXX but this call is another one of their affiliated offices in XXXX. Constantly calling me almost every day including weekends. Never leave messages. I need this to stop. Had another call today. Sick of it.
Product: Credit reporting 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, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX WI XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the accounts below on my Credit report and I did not Authorize any of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Product: Credit card or prepaid card

Case number # XXXX account # XXXX I was billed for a purchase on XXXX. the purchase was cancelled and the merchant was suppose to return the money like they did with the other charges that were cancelled. around the same time on the same card. 
Capital one was the credit card issuer. I have received nothing for this charge and informed capital one to dispute the charge. but for some reason capital one is not disputing any charges. I turn over a lot of evidence for the various charges and capital one always comes back even when the merchant does not even dispute the charge back, with, '' we need more information '' and because i did not provide the information they were asking for they repost the charge to my account and expect me to pay for something i did not receive. I am really getting tired of dealing with them and fighting them so many times for a charge back. that is very easy and legit. 
I want CFPB to fine capital one or refer capital one to a government agency which has the power to fine them. I have reported it to capital one with in the 180 days I am aloud to and even with a not received merchandise charge back there is no time limit.I am a XXXX  also.
Product: Credit card or prepaid card

Chase opened a Visa account # XXXX in my name without my permission or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an alert from XXXX  that a new inquiry appeared on my credit report. I looked at the report, and the inquiry is from Clarity services and was placed on XX/XX/2019. I did not authorize them to do that. At the same time, I started getting calls from payday loans. I am worried that either my ID got stolen OR that Clarity services is pulling my report for a payday loan.
Product: Debt collection

I was contacted by 2 Debt Collection companies, XXXX XXXX XXXX XXXX in XXXX, NC and Wakefield and Associates, XXXX, TN for a series of charges filed by XXXX XXXX XXXX 

Neither would give me the name of the person who said that I owed a total of {$1500.00} ( approximate ) and why I owed that ( no services performed were mentioned ). One of those companies did say it was from XX/XX/year>. 

I have contacted XXXX and my supplemental at the time ( XXXX XXXX XXXX XXXX XXXX  XXXX and reviewed all accounts filed and paid for my name. Nothing matched for the limited information given to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where I was a patient during the last week of XX/XX/year> was contacted and the billing dept. said that my account was closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX that was financed through US Bank. ( not my pick ). Per their records my loan was paid off on XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX the bank closed my acct. and sent an electronic release of lien to the Az. DMV. The DMV said they never received the release and the bank doesn't follow up electronic correspondence. I spent the next 3 wks. calling their customer service people, never the same one, 2-3 and 4 X day to try to get them to send another electronic release to the DMV. I have never gotten an answer as to why they won't do it. I am trying to sell the car & had someone to buy it 7 wks. ago. I also can't talk to the people in charge of sending the releases ( reason unknown ). I have run out of people to talk to.
Product: Checking or savings account

Hello, I filed a dispute about a charge on my USAA federal bank debit card where the merchant did not render the services that were promised and the dispute was greatly mishandled. The amount was {$220.00}. 

First I was sent a letter saying I had to provide additional documentation for my dispute by XX/XX/XXXX, but my dispute was closed before being allotted the full time period to provide documentation. 

I called them back and had them re-open the dispute. When they did I was told to upload my photos as evidence which I did. While on the phone the rep stated to me that the services that were provided to me from the merchant didn't look satisfactory and she/the merchant needed to give me my money back. Thus he could clearly see the photos. 

On another call I was told that if the merchant re-buttled I would have the opportunity to provide any additional evidence before the dispute was closed. That did not happen I did not have the chance to provide any additional statement or evidence in fact they stated to me that they could not see my evidence, that the photos were in black and white, so why would they close the dispute instead of contacting me for more photos? and how could the contact representative see the photos in color, but all of a sudden they were in black and white when it came time to settle the dispute? 

On XX/XX/XXXX at XXXX I received an email stating that they sent my information to the merchant to dispute and it would take up to 45 days to get a response. 

On the same day one minute later at XXXX I received an email that the transaction was closed. The rep told me that the photos were in black & white so they could not see them, but the first rep was able to see them. Also how was my dispute sent to the merchant and one minute later resolved if it normally takes up to 45 days? 

The rep also told me that someone would contact me regarding my dispute its been 7 days and no contact. I have re-uploaded the photos though. 

I feel that USAA is not sufficiently working my dispute and just closing it. I do not know why I am being discriminated against, but they have not advocated on my behalf nor provided a fair dispute process. 

The complaint was three wigs that I had colored and/or cut. 

The first wig the merchant colored 1/4 of a wig. I don't know who only wants the right front side of their hair colored. 

The second wig was supposed to be bleached blonde. It was auburn and very splotchy and unprofessional. 

The third wig was supposed to be cut into a short bob. It was cut so short and so uneven that one side was longer than the other and the bang was so short its no way to ever make it look like the style asked. 

I did not receive what I asked for. In fact honestly because she colored 1/4 a wig and also cut a wig uneven I feel I was scammed because she handed the wigs to me in a bag to take home and I did not see the full extent until I got home where I contacted her but she refused to refund my money. I spent about {$500.00} for the wigs and she scammed me and ruined them and USAA will not allow me a fair dispute process to get my money back.
Product: Checking or savings account

On XX/XX/19, an unauthorized XXXX recipient was created and one minute later {$500.00} was transferred out of my savings account.
Product: Debt collection

Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.
Product: Credit reporting or other personal consumer reports

My XXXX lease ended last summer in XXXX of 2023. I made all of my payments on time and had no outstanding balance when I returned the automobile. Several days ago, XXXX XXXX started reporting a late payment, XXXX QUARTERS OF A YEAR since the lease ended!!!! 

This information is FACIALLY FALSE and costing me $ XXXX per day on a significant purchase that is impacting my business so I can not afford to wait for a so-called " reinvestigation '' by the furnisher. In fact, facially false data is subject to EXPEDITED dispute resolution procedures and you have my phone number so CALL me IMMEDIATELY to resolve this and notify me that you are, in fact, deleting the item of information called XXXX AUTO starting in XXXX and confirming it will not be reinserted until maximally accurate!
Product: Credit reporting or other personal consumer reports

first for most I respect and honor our promissory notes to pay Aidvantage. my reason for filing a complaint is, the DEP/AIDV accounts that are XXXX years old are to be deleted permeant. Aidvantage states that I only asked for delinquencies to removed but i demanded more than that I also stated for all accounts over the XXXX-year age limit be deleted. On XX/XX/2023 you received a letter address to you on the envelope but on paper addressed to XXXX about the furnishing of your account data information on me. on XX/XX/2023 an investigation was filed by XXXX. The investigation results came back with the information of Deletion of XXXX DEP/AIDV accounts. On XX/XX/2023 NEW ACCOUNTS were furnished onto my consumer report without my knowledge. XX/XX/2023 another dispute letter was sent out and your Aidvantage invesitgation shouldve sent me results of the invesigation, only one sheet of paper was sent explaining to me nothing of what results came about after my dispute. it was intentional and misleading. The accounts that were furnished on XX/XX/2023 have the same amount of the investigated deleted accounts. you have violated my rights as a consumer FCRA 605 ; 15 U.S.C 1681 ( c ) ; 12CFR 1006.30a. my affidavit of truth is attached to my earlier complaint through CFPB. I appreciate your response, but this response does not legally refute any of my claims in my affidavit. and all documentation to support this claim I have and are attached to the complaint.
Product: Debt collection

I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from RETAIL MERCHANTS ASSOCIATION