23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, .I had my morgage and HELOC with XXXX XXXX  since XXXXAFTER forberance ended for XXXX on XX/XX/year> i owed over XXXX UNPAID monthly morgage and applied for modificatin and was approved with XXXX percent interest rate for whole life of the XXXX mortages.this took sometimes in XXXX and i found the package under my bench outside covered by snow.i called them, and XXXX said the loan been sold to SELENE and they will send you new package to sign.this took couple month and i called XXXX but they said they have not recieve from XXXX and must apply with them since they dont know when they will have the package.i appied, they HONORED with XXXX percent but only the HELOC loan and they rejected the original loan. i had to apply again and they approved but they raised the interest rate to XXXX percent and i force to pay over $ XXXX .i called them so many times but every time they came with nonesence excue and indicated if not accept, they will go ahead with forclosure proccess.i been paying this extra $ XXXX WHICH THEY DEFRAUDED ME SINCE XXXXTHEY HAD THE PACKAGE AND HONORED THE HELOC XXXX  BUT NOT THE MORGAGE XXXX.i recently diagnosed with XXXX  XXXX and had XXXX and now recovering my husband also recenty had XXXX XXXX and now recovering at home .selene been taking our money for no reason .please help to reinstate XXXX percent and return my {$1000.00} for last XXXX  months.selene is the worst mortgage company and been defrauded me.please investigate.Thank you so much.
Product: Credit reporting or other personal consumer reports

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX  Account open has different dates Acccount last open has different dates
Product: Credit card or prepaid card

Office depot and citibank have misleading practices where they assess multiple fees without notifying me prior to obtaining credit. 

They are deceiving the public by hiding additional fees and cost that do not conform to common credit practices. These fees we never explained to me and if they were I would not have taken the card. 

Employees pushed the benefits of the card without warning me about minimum monthly charge requirements and other obscure terms
Product: Credit reporting, credit repair services, or other personal consumer reports

I been reviewing my credit since transunion server error and i noticed alot of inquiries was placed back on my report in some cases 3 times more on my report i also had cases of the wrong address like i had California addresses on my report and i never been. I went online to resolve the matter with transunion i was able to correct the address issue but it doesn't give you the option to address the inquires. 1. XXXX XXXX   XXXX, 2. XXXXXXXX XXXX XX/XX/XXXX, 3. XXXX XXXX  XX/XX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XXXX XX/XX/XXXX, 7. XXXXXXXX XXXX   XX/XX/XXXX and XX/XX/XXXX XXXX, 8. XXXX XXXX XX/XX/XXXX, 9. XXXX XXXX, 10XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 11. XXXX XXXX XX/XX/XXXX, 12. XXXX XXXX XX/XX/XXXX, 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 14.XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, 15.  XXXX XX/XX/XXXX, 16. XXXX XXXX XX/XX/XXXX XXXX, XXXX, 17.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX XXXX in first spoke a XXXX XXXX who was the XXXX XXXX XXXX XXXX XXXX XXXX. Sh quoted me {$6000.00} for my XXXX XXXX ( the next day XXXX gave me {$11.00} ) as a trade in agreed and she told me to sit down and wait for the financial department. When the financial department agent called me into his office I said I have a offer from the bank and showed the offer was at 11 % I in turn said to that is an insult with a person with my credit score and in turn he said he will check to see the banks other offers that they have for me. As he jiggled the numbers around about seven times telling how this is another one of the banks offers I finally stood up and politely said good-bye. When I returned home I checked my Experian Credit Report and seen that there was seven hard inquiries from eight different banks. I emailed XXXX XXXX about this because she was the initial person that contacted med and I except the company representative. And she gave a story that defends her so called manager as she calls him. I and then complained to Experian that same day and also sent to letters to Experian about these fraudulent hard inquires in my Experian credit report and there still is no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX XXXX XXXX XXXXXXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXXXXXX XXXX shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXXXXXX XXXX to blame and the bank is blaming the dealership. While Im stuck as the victim of a fraudulent debt and XXXX Bank destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXXXXXX XXXX has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXXXXXX XXXX. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXXXXXX XXXX for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from XXXX? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXXXXXX XXXX XXXX XXXXXXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my XXXX and XXXXXXXX XXXX XXXX XXXXXXXX has destroyed my credit to the tune of over 140 points per bureau to force me to pay for their predatory lending scheme.
Product: Credit card

Someone stole my identity and used it to open a fraudulent credit card with Montgomery XXXX to purchase merchandise. The first time I heard about, I received an invoice from Montgomery XXXX for products that were shipped to a different address than mine. That should have been a " red flag, '' which they ignored. I contacted them by telephone to advise them about the fraudulent credit card. They promised to take action and did nothing. Since advising their credit department, I have written several letters explaining the situation. However, they actually let the criminals charge more goods, and continue to send me invoices and reminders about payment. I am at wits end. Today, I received a letter from them stating that they have heard nothing from me, which is a lie. I believe they have tossed my letters into the trash and continue to harass me. I wonder if Montgomery XXXX is a legitimate retainer, or a scam organization. Please let me know what I have to do to get these predators out of my life.
Product: Prepaid card

I tried to use the Vanilla Gift Card at a coffee shop believing I had a XXXX balance left. 
After I swiped the card the cashier told me I only had XXXX cents remaining on the card. I was stunned. As soon as I returned home I looked up the balance and found XXXX separate unauthorized charges for a XXXX XXXX XXXX that were not mine. 

This is credit card fraud by the person ( s ) who hacked my card to make these purchases. 

I contacted Vanilla Gift Card to report the unauthorized Gift Card use. 
They created a " claim '' for me and advised me to wait 45-90 days for the investigation to complete. No money refunded. 

This is XXXX. Have your best XXXXXXXX XXXX  assigned to find these hackers/crooks. It could be an inside job. I have read a massive amount of XXXX posts since this theft occurred and it seems that Vanilla Gift Card and Visa are well aware of this grand scheme to drain their gift cards.
Product: Checking or savings account

As a Victim of Identity theft. I have received Banks statement from many Banks. I had contact with those Banks and closed. The only Bank that I hve left to investigate and close is Old National Bank through XXXX but the Account wasn't able to closed. The address of the bank the the theft open under my name is XXXX XXXX XXXX XXXXXXXX IN XXXX .I called XXXX XXXX , The Bank Fraud Investigation , Her phone number is XXXX. 
Fax number is XXXX is XXXX. I had called the Banks many time to close the account. XXXX said because the natural of deposit she could not close the account. She asked if I ever had United state saving bond which presume the account can not be closed. On Friday XXXX, I received two form XXXX  sent from Old National Bank. The first Account number on XXXX is XXXX earned interest income is {$14000.00} and the second account number is XXXX earned {$15000.00}. Both for the Identity Theft used my Identity to these accounts and get interest income. It is Criminal and unlawful. Also, The Identity Theft open ONB Every day Checking account number is XXXXWith amount {$6000.00}. Please help me to close these accounts and adjust form XXXX that effect my Tax Return. Thanks for your help and support.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have sent out numerous disputes, and complaints regarding information found in my credit reports that do not belong to me. These accounts are : XXXX XXXX Dept of educationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I believe these account were opened as a result of fraud. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Please remove any and all personal information thats not listed is this complaint, my only address is XXXX XXXX XXXX XXXX Ohio XXXX, please remove all other addresses as there also not mines.
Product: Checking or savings account

Deposits not available for use and account restrictions due to banks fraudulent activity. Card not in use and funds not available. Here is proof of deposits
Product: Credit card or prepaid card

Ive been using Southwest Chase credit card since XXXX, maintained well like my other cards i paid on time never missed any payments my credit score is  about 760 and decided to get chase business credit card applied on XXXX XXXX then i waited for couple days havent heard anything till XXXX XXXX i woke up and checked my email and saw email sent from chase saying they are closed my southwest chase account I thought it must be a mistake checked my account through chase mobile app works and called to ask whats going on they transferred me back and forth finally got explanation of " you applied multiple credit cards short period of time '' i have total of only 5 open accounts couple " hard inquiries '' including this closed account now my credit score is  dropped by 6 points these points are fine i can accept it but can't accept closed account report that stays 10 years on my credit history. Lastly they refunded XXXX $ annual credit card fee.
Product: Mortgage

I have a HELOC with the respondent. The account number is XXXX. 

The mortgage repeatedly is past due despite the fact that I have consecutive monthly withdraws sent from my bank. This time I caught the annual fee, which I swear was not disclosed during the application process. The respondent swears that I have an outstanding payment of {$130.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX 
Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXXXXXX XXXX XXXX Section XXXX is effective XXXX days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX XXXX  Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX  documentation
Product: Credit reporting or other personal consumer reports

Procollection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT [ XX/XX/year> ] Collection account. {$2.00}, XXXX past due as of XXXX, move away from the apartment XXXX in the begin of XXXX, paid XXXX rent which was XXXX including gas and water, Didn't pick up deposits just an case of damage or late fees
Product: Mortgage

I received a check from Wells Fargo for {$2400.00} and it stated due to an error made in a loan modification. On the letter it says if you feel its not enough, I could go in to mediation. I called and asked what was the error and I was told to fill out the form for mediation but I dont know exactly why Im going to mediation because XXXX told me after further investigation they should have only done {$1800.00} on that check and I asked him what the error was and XXXX told me he was not sure, he cant tell me the exact reason or any numbers but offered me {$1000.00} for my time and not go to mediation. That makes no sense. Wells Fargo needs to give me numbers
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX and XXXX XXXX XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX, TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TransUnion, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act under 15 U.S.C 1681 Section 602, which protects my right to privacy, these XXXX accounts that appear on my credit report under the following names have violated my rights, which I invoke : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also invoking my right under 15 U.S.C 1681 Section 604 A Section 2, which states that a consumer reporting agency can not furnish an account without my written instruction. I have not provided any such instruction for the listed accounts to be included in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, it came to my attention that there were a myriad of inaccuracies on my LexisNexis 'Comprehensive Loss Underwriting Exchange ' ( XXXX ) Report. This report is used by credit agencies and insurance companies to assess the risk level of their customers. Due to these inaccuracies, I was being assigned a higher risk category whenever I applied for credit, loans, or insurance. I have also noticed that my car insurance rate ( and rates being offered by other companies ) was inflating to an astronomical level, despite not having any history of at-fault accidents or traffic violations. 

On XX/XX/XXXX, I notified LexisNexis of my dispute in writing. I was very detailed in my written dispute. The dispute was sent by USPS Certified Mail on or about XX/XX/2021. The enclosed USPS Certified Mail Receipt shows that LexisNexis received it on XX/XX/2021 at their po box in XXXX, Georgia. 

Per the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency has thirty ( 30 ) calendar days to process a written dispute. LexisNexis may either 1. ) verify the record as 'Accurate ', or 2. ) remove the record if it can not be verified. 

Accordingly, a response was due from LexisNexis on XX/XX/2021. As of today ( XX/XX/2021 ) no response has been received. Therefore, LexisNexis has missed their statutory deadline, and is now legally obligated to make the requested changes.