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

In XX/XX/2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
Product: Student loan

Hello, I am employed in public service and eligible for public service loan forgiveness ( PSLF ). My student loan servicer is MOHELA. My current loan balance is {$99000.00}, all in federal direct consolidation loans eligible for XXXX. 

I submitted an employment certification form XXXX XXXX  ) / application for XXXX on XX/XX/XXXX. My employer was determined not eligible. This was acknowledged as erroneous over the phone with MOHELA support and a supervisor on XX/XX/XXXX, at which point the wait time to speak with support was 2 hours and 12 minutes. Notably, my employer appeared in the list of eligible employers on the studentaid.gov site, I had documentation of their eligibility, and hundreds of people at my employer had already received forgiveness. 

I was told that I would need to submit the XXXX application again to be reprocessed correctly. I did this on XX/XX/XXXX. A few weeks later, I obtained an updated form from my employer ( with documentation of employment through XXXX ) and submitted it on XX/XX/XXXX. Again, this was produced using the XXXX tool on the federal student aid website and confirmed an eligible employer. 

This morning, just over 3 months after my form submission on XX/XX/XXXX and 5 months after my initial submission, both forms were marked duplicate and cancelled by MOHELA rather than processed. I should have qualified for XXXX at the time of my initial form submission 5 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Employer : XXXX XXXX XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$1700.00}, XXXX XXXX Balance : {$980.00}, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citizens Bank charged me three insufficient overdraft fees totalling {$100.00} for an account that was overdrawn by {$8.00}. I was not given notice either by mail or email I was being assessed such excessive fees for such small negative amount of money. I called Citizens Bank and the representative explained me that she couldn't reverse those fees because I received alerts on my online banking, which I would only know if I logged into my account. The overdraft fees charged by citizens bank are excessive and charged without notice to me. This practice is deceitful and unfair to any consumer. Citizens Bank has been sued multiple times for its unfair overdraft fee practices. I was an affected member in the past in some class actions against Citizens Bank unfair overdraft fees assessment.
Product: Credit card

I opened a secure account with Bank America XX/XX/XXXXpartial account from my credit report # XXXXaddress id XXXXthe amount was XXXX the account was last use in XX/XX/XXXXI was XXXX the security was deducted however theysent this account to collection which as been terminated becauseI did owe on this account they have been reporting this as a charge off!!! 
it has been removed from my XXXX report but its still onmy XXXX and XXXX ACCOUNT! 
Bank America did agree to remove these accounts from the trade linebut it has yet to do so with these XXXX credit reporting agencies!! 
Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XXXX, court records show, the bank will remove any marks on consumers ' credit reports.
Product: Mortgage

I am adding additional information to a complaint I already filed. Complaint # XXXX concerning Shellpoint Mortgage Services. Have just received the attached statement now saying I owe them {$100000.00}. I 've also attached the last two letters I 've received showing I owe a principal balance of {$33000.00}. Not only is their customer Service boarding on Fraudulent practices, it would appear that their Billing/Accounting system is fraudulent as well. How can I possibly owe them more than the original loan amount when they 've only been managing this account since XXXX 2016? I 'm dealing with offices in XXXX different States and they have multiple XXXX XXXX XXXX XXXX for these States. It is no wonder I ca n't actually contact a person who might know what 's going on with this account.
Product: Credit card or prepaid card

The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help me.
Product: Credit card or prepaid card

I applied for a CareCard back in XXXX of last year. I was given a credit limit of {$1000.00} I used this card to get some dental work. Since i got this card, I have never been late, and I have made all of my payments on time. On XXXX of this year without any explanation, they reduced my credit limit from XXXX to XXXX causing my credit untilization to go up, causing my credit to down my XXXX points. I called the customer services and the agent informed me that I was going to get a letter explaining what happen. I never received the letter. 

I made the decision that I was going to paid the balance on this card and closed. Today, I got a statement indicating that they are charging me XXXX in interest rate. making my card to go over the credit limit. I called customer services and after waiting for 1 and 12 minutes, I was told that if I paid {$250.00}, they will removed the {$360.00} interest in my card. THAT DOES NOT MAKE ANY SENSE TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX ; XXXX  XXXX, XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF FRAUD, THEY MADE DIFFICULT HARD INQUIRIES ON MY REPORT WITOUT MY AUTHORIZATION, PLEASE HELP ME ELIMINATE IT. XXXXXXXX XXXX XXXX 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 XXXX XXXX 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

Hi my name is XXXX XXXX. I am filing this form out today because i have recently found out that i have been an victim of identity theft, Ive recently found out through a credit report that someone has been using my identity fraudulently opening accounts fraudulently. I ran my credit report again and found out that the problem is because my identity has been compromised in the dark web due to a breach that occurred with XXXX. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S CODE 1681B
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Under 15 USC 1666B I DEMAND you to update the payment record in this account. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX XXXX, Account # XXXX across different credit bureaus. After thoroughly reviewing my credit reports, I have identified several discrepancies that require immediate correction. These discrepancies include : Inconsistent Balances and Account Information : The reported balances and account details vary significantly across the different credit bureaus. 
Original Creditor 's Name : The name of the original creditor differs on each credit bureau report.

Collection Agency Information : The collection agencys name, address, and phone number are inconsistent across the reports.

Reporting History : The payment history associated with this account varies between the credit bureaus.

Last Date of Activity : The last date of activity reported for this account differs on each credit bureau report, with varying remarks across the reports. 
These inconsistencies indicate improper updates that are both misleading and harmful to my credit report. Despite this misleading information, this account was allegedly updated to be accurate according to Report Number XXXX, dated XX/XX/XXXX. 

In this previous dispute, I state that the account in question, XXXX XXXX XXXX XXXX, Account # XXXX, was charged off in XX/XX/XXXX. However, Experian has repeatedly updated the account as " charged off '' every month since then. This continuous update is misleading and inaccurately reflects the account 's payment history. A charged-off account should not have an active payment history after it has been charged off. By improperly updating the payment history, Experian is manipulating the statute of limitations, which is misleading and harmful to my credit report. 

Additionally, I believe that Experian 's failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 

Given these ongoing issues and the failure to correct them, I am formally requesting that the XXXX XXXX XXXX XXXX, Account # XXXX be deleted from my credit report immediately. To summarize, this neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included a copy of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus, as well as a copy of the dispute results from Report Number XXXX.
Product: Mortgage

since covi 19 my loan # XXXX at Chase Mortgage, I am struggling to make payments, Chase promised to put missed payments at end of the loan and they have failed to do so as of XX/XX/21, they Harass me and they need to mail me a statement showing the balance with the payments missed added, Chase makes Billions every quarter and Chase got COVI monetary help to help all loan holders like me struggling to make the payments Due to COVI19. XXXX XXXX loan # XXXX my address XXXX XXXX XXXX XXXX Fl XXXX email XXXX I did send complaint today at state attorneys general office also.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company Information : Company Name : LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What Happened : I requested LexisNexis to correct inaccuracies on my consumer disclosure report, including removing incorrect addresses, an incorrect email, false business associations, and an outdated security freeze. I provided supporting documentation, including my government-issued ID, Social Security card , and a bank statement to verify my correct address. Despite my formal dispute under the Fair Credit Reporting Act ( FCRA ), LexisNexis failed to remove these inaccuracies within the required 30-day period. 

Specifically : LexisNexis continues to report incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still listed on my file. 

I am falsely associated with businesses I have no connection to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My security freeze placed on XX/XX/XXXX has not been removed as requested. 

LexisNexis has failed to comply with FCRA 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate and correct inaccurate information within 30 days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

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

Chapter 1 1.The Law of Privacy 15U.S.C ,1681, 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( 2 ) ( a ) In General Subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Law ( a ) Duty of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

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 XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : Department of EDXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : 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 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 have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with XXXX. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.
Product: Mortgage

Hello in XXXX of this year, we refinanced our home and we got switched to a different loan mortgage service/company called XXXX mortgage. 
We live in a flood zone and we are required to maintain flood insurance. 
My flood insurance was due to renew on XX/XX/2021 and my premium was {$1400.00}. 
The Morgage servicer requested a copy of the coverage continuace and declaration page. I forwarded the request to my insurance broker rep XXXX XXXX XXXX XXXX at Florida XXXX XXXX XXXX and asked they send this to my mortgage servicer XXXX 
I continued to receive cancelation notices from my flood insurance carrier XXXX andI continued to let Florida all risk that they need to reach out and get this resolved. 

Finally On XX/XX/2021 I called XXXX my mortgage servicer that holds my escrow and I called XXXX XXXX risk on recorded lines to ask that they pay my policy and i confirmed the loan servicer had the funds to pay the flood insurance. All parties were aware that the payment was due no later than XX/XX/XXXX or I would be canceled. 
The payment arrived and posted on XX/XX/XXXX. 

XXXX refused payment and has canceled my flood and will not reinstate me. 

If I Reinstate my new premium is going up to {$3100.00}. ( double ) I need help my money was in the escrow and should of been paid on time with along with my homeowners which they manage to pay on time without issues. 

Attached are all documents sent to XXXX  mortgage. 
Thanks XXXX And XXXX XXXX XXXX