23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My father passed, I'm the son and I'm living in the home. I have submitted financials and request for modification with Select port Folio. The mortgage company is unwilling to work with me. I don't want to loose my home to foreclosure. Please help me to modify the mortgage. Please postpone pending property foreclosure sale pending the modification request being processed.
Product: Debt collection

A company called Credit Protection Association has been calling me for the past week with an automated call telling me that I owe a debt. A debt for what I do not know. Even if I answer them when they call ( and they may call several times a day ) all I get is a recording asking for an account number. They ask for an account number that should be listed on a letter, however I have never received any letter from any company by this name. Their automated system also allows to find your account number based on your phone and zip code. However when I enter this number all the recording tells me is that my account is closed. 

I have no idea what this is about, I just want it to stop.
Product: Debt collection

I have moved out of XXXX  state to XXXX state at XX/XX/2020 then canceled my XXXX  auto insurance policy then immediately returned XXXX license plate back to XXXX and I got my new XXXX  auto policy at XX/XX/2020, So my vehicle been covered by another policy that belongs to XXXX  agent. 

Then they have sent me a mail that shows a threat statement of damage my credit if I didn't pay a false amount of {$160.00}, I've tried to contact them but their XXXX agent have disrespectfully put me on hold for long time twice then hang-up on me. 

Eventually They've damaged My Credit-Score and sold my Info ( SSN, NAME, DOB & ADDRESS ) to a Credit-Collection for a statement XX/XX/2020 while my vehicle is covered by different auto insurance company since I've moved out of XXXX and registered my vehicle to XXXX at the beginning of XX/XX/2020. 

So they've damaged my credit for {$160.00} an amount that I don't owe to them, the sad part is how easy for auto Insurance companies in USA to destroy someone's credit, sell their customer 's nonpublic information.
Product: Credit reporting or other personal consumer reports

Went on annual credit report and requested free report refused help
Product: Payday loan, title loan, or personal loan

I am officially filing a complaint against Enova International , Inc. d/b/a NetCredit. This corporation is a well disguised, predatory payday/installment loan company taking advantage of individuals in dire financial situations. Customers are lured in with the promise of consumers being able to get access to the credit they need. On their website, they claim that we believe everyone deserves access to credit. Yes, they believe this because they then profit on the disgustingly high interest rates they charge. NetCredit claims they believe our customers come first. This is an outright lie. Enova International , Inc. d/b/a NetCredits bottom-line comes first. Its profit margins come first. It has no care for customers or it would not charge the exorbitant interest rates it does. On its website Enova International , Inc. d/b/a NetCredit makes the claim that they are committed to 100 % customer satisfaction yet it has 62 complaints in the XXXX XXXX XXXX  database with a 1 out of 5 star rating. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. Enova International , Inc. d/b/a NetCredit has 378 complaints filed against them in the Consumer Financial Protection Bureau complaint database. The majority of these complaints were closed with the customer rejecting the response. A large number of the complaints center on the outrageous, greedy, predatory interest rates charged. 

On XXXX XX/XX/2017, I took a loan from NetCredit in the amount of {$1200.00}. To date I have made 11 payments at the payment amount of {$100.00} each for a total paid of {$2000.00} plus a check payment of {$100.00} which has not been cashed or applied to my account. 

NetCredit states I still have fourteen more payments of {$100.00} each to make. For a {$1200.00} loan, I will end up paying {$3600.00}, more than THREE TIMES the loan amount!! 

NetCredit has received its {$1200.00} back PLUS {$830.00} in interest. This is a rate of 69 %!!!!! 

The XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau can not allow this business practice to continue. It is predatory, obscene greed!!! I am making this complaint to appeal to the XXXX XXXX XXXX, Federal Trade Commission and Consumer Financial Protection Bureau to do something about these lenders. It is simply inexcusable how they are allowed to operate. 

I want my account reported as Closed/Paid in Full/IN GOOD STANDING. Enova International , Inc. d/b/a NetCredit will dispute this complaint as it does with all complaints filed against them. Disputing the facts of the predatory, greedy business practices does not mean that they are not predatory and greedy. The numbers do not lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX  account with Equifax MULTIPLE TIMES. As has been previously stated, this account was included in my bankruptcy in XX/XX/XXXX( Central Dist of IL Bankruptcy Case No XXXX ) and discharged XX/XX/XXXX as it FAILS TO MEET THE DISCHARGABILITY EXEMPTION CRITERIA set forth in 11 USC 523 ( a ) ( 8 ). Said case was originally filed on XX/XX/2008. As per FCRA guidelines, the reporting time for any debt included in a Chapter XXXX bankruptcy expires 10 years from the original filing date which would have been XX/XX/XXXX.

Notwithstanding this fact, as a result of Equifax 's last " investigation, '' my report now shows this account as " included in bankruptcy. '' This is definitely a step in the right direction considering that in all other investigations Equifax refused to acknowledge that this account WAS IN FACT included in my bankruptcy. However, the issue remains yet unresolved as the account should not be reporting on my credit report AT ALL due to its age.
Product: Credit reporting or other personal consumer reports

I checked my credit report, and I saw some inquiries that I did not authorize. 

XXXX XXXX XXXX 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 NEED THESE INQUIRIES REMOVED AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX XX/XX/year> Dear XXXX  XXXX, I am writing to address a discrepancy I have observed in my credit report regarding the following account : XXXX  XXXX Account Number : XXXX Reason : Under 15 USC 1681c-1. Identity theft prevention ; fraud alerts and active-duty alerts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX  XXXX Account Number : XXXX Reason : Under 15 USC 1681c-1 . Identity theft prevention ; fraud alerts and active-duty alerts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please be informed that this correspondence does not serve as a refusal to pay ; however, it is imperative that I bring to your attention my dispute regarding the aforementioned claim. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request validation from third-party collection agencies. Non-compliance with the FDCPA regulations may result in adverse consequences for your company with the Federal Trade Commission ( FTC ). Hence, I kindly request that your company furnish me with the following documentation for validation purposes : 1. Documentation demonstrating ownership or assignment of the debt from the original creditor.

2. Verification of your authority to pursue collection activities in my state.

3. Proof of your company 's bonding.

4. Documentation detailing the assessment of the outstanding debt.

5. Payment history records from the original creditor.

6. Contact information for the original creditor.

7. A copy of the original contract bearing my signature.

8. Documentation outlining the chain of ownership pertaining to this debt.

9. Verification of your legal authority to collect this debt.

10. Confirmation of ownership or assignment status of this debt.

11. Copies of all correspondence, including letters, exchanged between your company and myself, as well as with the original creditor, regarding this debt.

12. Disclosure of the purchase price of the debt.

13. Information regarding the date of the last payment made on this debt.

14. Breakdown of any fees/interest accrued on the debt.

15. Explanation of the methodology employed to determine said fees. 


I appreciate your prompt attention to this matter and your cooperation in providing the requested documentation. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. Credit Technologies, XXXX XXXX, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies in my credit report and request a thorough investigation into the matter. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure the accuracy of the information contained in their credit reports. Upon reviewing my credit report, I have identified the following accounts that are not 100 % correct. These inaccuracies have caused me significant distress and potential financial harm. I demand that these accounts be investigated promptly and corrected as necessary. Please provide me with a written statement of the results of your investigation and a copy of my updated credit report. 
I have enclosed copies of relevant documents supporting my position, including [ list any documents such as account statements, letters from creditors, etc. ]. Please review these documents as part of your investigation. If the investigation finds that the information is indeed inaccurate, I request that these errors be rectified immediately and that all necessary parties be informed of the corrections. As stipulated by the FCRA, I am entitled to recover actual damages, statutory damages, and attorney 's fees if I suffer damages as a result of a violation. Therefore, I expect this matter to be handled with the utmost urgency and accuracy to avoid further complications. Thank you for your prompt attention to this matter. I look forward to your swift response and resolution.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased furniture from XXXX XXXX with one item a chair being a special order. I was told my order would take 4 to 6 weeks. On XX/XX/XXXX I received an update telling me that my order was delayed and it would be another XXXX weeks. On XX/XX/XXXX I received another update stating it was still going to be another XXXX  weeks. On XX/XX/XXXX I received yet another update telling me it would be XXXX  more weeks. Finally on XX/XX/XXXX after no additional calls or updates since XXXX, I emailed XXXX requesting they cancel my order and refund me my money. They told me that my order was in and I would be contacted. It was not in and I was not contacted. I was told later by the warehouse manager that the chair did not arrive until late XXXX. I filed a dispute with CitiBank in XXXX and today learned that my dispute was denied. I have NO product. Have since sold the house in XXXX that the furniture was going in. 

I did nothing wrong in this transaction. I paid in advance in good faith that a product would be delivered in the 4 to 6 weeks that I was told. After much patience and over 20 weeks of waiting I canceled my order. I should not be penalized and forced to pay for something that I no longer want, need or ever recieved.
Product: Credit reporting

I received a copy of my credit report after speaking to a representative in the Special Handling Department at Transunion and notice that there are addresses and phone numbers listed that are not mine. I originally sent a request XX/XX/2016 to have those address removed from my report. I have also sent proof of my current address and current phone number.
Product: Debt collection

I worked for XXXX XXXX XXXX in XXXXuntil the business closed, They have since gone out of business. I signed for many things when the owner was not in the office. I signed for a credit card machine for the company. I never used it for personal things. The machine was returned to the company per owner. 

This company continues to put it on my credit renewing it over and over. He said he would make it a personal vendetta. 

If this was something I personally owed it would of been paid. As you can see from credit rating. I pay my bills and all on time. 

If there is anything you can do, it would be greatly appreciated. 



Yours truly, XXXX XXXX XXXX from XXXX Mail on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not taking credit card fraud if XXXXXXXX XXXX XXXX for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXXXXXX XXXX XXXX for XXXX off my account and XXXX XXXX  with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Experian, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Product: Debt collection

I keep getting phone calls at my job XXXX asking for my husband I logged 6 call at my job in XXXX day. I have notified her that my husband has passed away XXXX of 2015 and I continue to get harassed by there worker named XXXX.
Product: Mortgage

On XX/XX/2019 I made a payment of {$890.00} to PHH Mortgage Company via XXXX XXXX. I noticed on XX/XX/XXXX that the payment still was not applied to my mortgage account. I contacted the PHH Mortgage and they informed me that since I sent an inaccurate amount, the payment was returned to XXXX XXXX. I contacted XXXX XXXX and they informed me that the PHH Mortgage would need to contact them to release the refund. XXXX XXXX has also told me that they have submitted several request to PHH Mortgage regarding the refund. I have talked to PHH Mortgage 3-4 times a week and continue to receive the same response. " Call us back in 24-48 hours '' " A work order has been submitted '' " We are working on getting a return code for you to get your refund ''. I have been told by " XXXX '' a supervisor in customer service that it is being handled by the " Resolution Team ''. I was told on another day by a customer service representative that there is no such thing as a resolution team. I have told PHH Mortgage that in order for me to send the correct payment, I need my {$890.00} back. Still to this date, I have not received the {$890.00} 22 days later that I sent via XXXX XXXX and I am being reported with a late payment to credit bureaus.