23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX has taken full advantage of me with violating my consumer rights by doing fraudulent and misleading acts. The company has gouged up the price of the used vehicle I am leasing and repossessed my vehicle after 19 days of being late on my payment. In XXXX, I leased the used vehicle and made a down payment of {$1700.00} for the vehicle. My monthly payments were {$520.00}. The company finance department has added another {$120.00} to my monthly bill. The advertising price was {$14000.00}, however, the company over gouged the price of the vehicle to {$29000.00}, plus.
Product: Vehicle loan or lease

This complaint is in reference to an original complaint in which Chase ( in my opinion ) fraudulently pulled a credit report and sent me an active card which required me to spend hours on the phone trying to get resolved and ultimately got addressed through a prior complaint. As a result of Chase trying to resolve the initial complaint ( XXXX ) which was being addressed by XXXX of the executive department of Chase they closed down my account access to my car loan. I took out a loan when I purchased a XXXX vehicle which was apparently financed by Chase. As they closed the credit card I did not apply for they are preventing me from accessing online and making my payment for my car. I informed XXXX of this on XX/XX/XXXX at which time she said she was not sure how this would be corrected but would check and get back with me. By XX/XX/XXXX I still had not heard of XXXX and so made another call and left a message. As of the date and time of this complaint I still have not heard from her and with a payment due on my car I'm facing a potential late charge. I have spent hours on the phone trying to get all of this resolved with Chase employees who have generally been useless and actually created new problems. If Chase is going to prevent me from making a payment they should waive all due amounts, or allow me to make my car payment which as always been made prior to the due date and never late.
Product: Credit reporting or other personal consumer reports

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! XXXXThey keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$1600.00} Date Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Lexis Nexis for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Lexis Nexis consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Lexis Nexis actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Lexis Nexis actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Lexis Nexis complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.
Product: Mortgage

Today marks day 84 since the offer we put for the house was accepted and was sent to the bank to be processed. Since then, we had signed five extensions for the closure. Last month I was told at the beginning of the month that we were supposed to close in  XXXX, and I was assured that it was not going to go into XXXX. Everything that has been requested, we have provided in a timely manner. We have been patient and understanding during these unpresidential times the nation is going through.

After consulting with other professionals in the field, I have been notified that there have been some discrepancies in the process. Additional documentation has been requested from our part that is not asked to provide from a traditional consumer. For instance, having to contact the IRS, place a Fraud Alert, and request the 2017 tax return. ( The standard documentation that is asked for is from the past 2 years ). The explanation for this request of the tax return given was to make sure we havent bought a house in the past three years, even though that information can be obtained from the credit report.

I was advised by the lender that all information requested was verified for accuracy and missing information. Once all information is collected then it is submitted to the underwriters. So, it led me to believe that the information was not verified to make sure it was accurate which has caused delays and constant requests for additional information from the underwriters. Or the possibility of prejudice from the underwriters ' part, consequently requesting redundant documentation.

My realtor and the broker had contact the lenders ' corporation and the supervisors of the lender, and after 3 weeks we are still been told we " we are waiting for the clear to close at any time '' every single time we asked for an update.

Due to the delays we have been forced to pay {$900.00} in additional spences. Because of the delays we have reach a point were the seller will not accept another extension and we may loose the house. The lender seem not to be concerned with that. After leaving several message and sent emails advising of this, the lender has not contacted me to provide update.

All the information mentioned leads us to conclude there is a possible bias from lenders end or the underwriters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account : 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

They were supposed to help my credit score and repair my credit but none of that happened.
Product: Mortgage

I am an XXXX XXXX and often have problems with the loan originators in the closing process. At some point an insurance agent issued a wrong document and now the lending institution thinks that is what they should get. There are several problems with this ( I am happy to go over, but do not think there is enough room here ). The main issue is they have no insurable interest, they do not have this until after the loan has recorded. There fore the only document they are entitled to is a binder. In order to get a binder, I need a binder request. 

This company ( XXXX XXXX a division of Ethos Lending LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX L # XXXX ) The contact which has been contacting me from this company is XXXX XXXX ( XXXX ) ( she has copied XXXX XXXX ) The correspondence started with her emailing, asking me to replace the current lender with them and send a copy of the policy and the replacement cost guide. I replied asking if they were the lender and have closed the loan. She advised no, I replied we can not put them on the policy as they have no interest. We went back and forth on that. I continued to tell her to send me a binder request and appraisal in order to move forward. She eventually went over to me to my company ( XXXX ) and had them make this change. My company reached out to me to discover that XXXX was not recorded on the loan.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX ( 15 U.S.C 1681 c-2 ) that you, XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XX/XX/XXXXaccount # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all XXXX XXXX XXXX account # XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Mortgage

I contacted wells fargo home mortgage when i put my house up for sale and was told by a representative that they do not report to the credit bureau until after 45 days. I made my mortgage payment before the 45 days. Wells fargo reported my account to the credit bureau. I have asked them to fix the error and they refused. their employee gave me a wrong information and they should n't have reported that negative information on my credit report since it was their employee mistake. I have had my mortgage with wells fargo for more than 5 years and never paid more than 30 days late until their employee gave me wrong information.
Product: Student loan

I have disputed this a few times. The last one was around 6 years ago. They said because I started paying again on the loan it was like admission I owed it. They harassed me for years. I was a young single mother. Ive had health issues for years. Ive worked several jobs to provide for my daughter and myself. I did take out one parent loan for my daughter when she was is college. I was paying separate on that one and they talked me into combining the two before covid. Interest is high. Years of payments are missing besides the fact it was dismissed several years ago. I have paid the loans with all my payments throughout the years. Which really should not have been owed after the court accepted the bankruptcy. Its been a life long mess. I dropped out of school at the time because my XXXX XXXXXXXX XXXX XXXX in front of her XXXX  at her office. My new husband had just moved overseas. I was alone. Im now about to turn XXXX. Cant work. More XXXX XXXX and other medical issues and still have this problem. Please help
Product: Credit card

Credit card debt that was originally with providian and then moved to XXXX XXXX XXXX XXXX when providian was purchased by XXXX in XX/XX/2006. My acct was always in good standing and paid off balance to XXXX. I have been receiving debt collection letters and calls for several years regarding this account that was taken over by XXXX. I do n't understand how debt collection can occur for this account since it was part of a merger of banks. I have little recourse since XXXX was purchased by XXXX, they have no record of the debt since it was paid and account closaed prior to the XXXX merger.
Product: Money transfer, virtual currency, or money service

My Venmo account has been hacked. I called the company where they confirmed that was the case. I provided all the credentials needed and asked that the transaction, which is a rent payment from XXXX XXXX needs to be reversed back to his account. I was told the communication to complete this needs to be done via email. I have been back and forth with them since the beginning of XXXX and they have not returned the funds. Today I was on the phone twice and they dropped the call on me. Basically the funds are just frozen in the account and Im not getting any help.
Product: Payday loan, title loan, or personal loan

My loan is for {$1200.00}. They are reporting my balance as {$1500.00}, which is causing my credit score to drop since the balance is higher than the high credit amount. They tell me this is the finance charge and that all installment debt is done this way and that is not true. My auto loans never reported that way. I believe they are doing this intentionally to hurt my scores so I'm not able to go to a more reputable place to borrow money.
Product: Credit card or prepaid card

Received a card in the mail on XXXX XX/XX/2023 from U.S. Bank with my name on it at my address. 

At no point have I ever applied for any such card or had any contact with U.S. Bank, No email, url, or phone number was provided with the fraudulent card from U.S. Bank. This, made it impossible to for me to deal with them directly. Furthermore, the address provided was a Post Office Box only to interfere with my reporting this fraudulent firm to the local police and filing a criminal complaint.
Product: Mortgage

I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. The account came back verified and updated however no changes were made to my account. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please update this account immediately as paid on time.
Product: Money transfer, virtual currency, or money service

Paypal closed my account with XXXX in it for no reason. 
XXXX. 
Above standard seller on ebay. No reason to close my account and hold funds for 180 days
Product: Credit card or prepaid card

In response to a prior complaint made with CFPB (  XXXX  ) Portfolio Recovery indicated they would remove their trade line from the credit reporting agencies however when I spoke with   XXXX   and  XXXX   XXXX  on  XXXX   XXXX ,  2017 they h ad not removed their trade line from my   XXXX   and  XXXX   XXXX   credit re ports. When I speak with   XXXX   or  XXXX   XXXX  to let them know about the prior complaint filed against Portfolio Recovery and provide them with the CFPB complaint number, I 'm informed my complaint is not  one of  their options.
Product: Mortgage

Academy Mortgage Corp. rejected my mortgage application ( {$230000.00} ) because of my age. I am XXXX years old. After reviewing may credit status with each credit company and finding no negative items, no late payments or poor reviews from any creditors, and I have credit scores from each of the three credit corps ; XXXX, XXXX  and XXXX, of 800 or better. Without any negative responses they rejected my application with the standard XXXX data sheet about credit scores. Since there are no negatives on any credit report, and credit scores over 800, and my only depts a mortgage of {$210000.00}, with 8.5 years left on it, and a car loan of {$17000.00}, with an after tax income of over {$10000.00} a month and a net worth of {$2.00} XXXX dollars in property and investments ; the only conclusion reached is that my age of XXXX  years can be the only reason I was denied a pre approved ( {$230000.00} ) mortgage from Academy Mortgage Corporation.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries are affecting my credit score. Remove them promptly.