23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage after my income was reduced because I was in real estate when the economy crashed and my income drastically decreased. I applied for a loan modification recently and I know I qualify for the Making Home Affordable Program after running my scenario through the online check my NPV web site it came up positive. I also hired an attorney to assist me with the process and they advise me that I qualify for the HAMP program. I am being told that the only reason I am being denied by Chase is due to the fact that Chase is refusing to accept a rate lower than 7.50 %. For this reason my loan is essentially being blocked from receiving assistance. My attorney states Chase can and should contact the investor or upper management to ask that the override that is evidenced by the " Y '' in box XXXX of my NPV chart ( Attached ) be removed on an exception. A rate of 7.50 % is excessive and to demand a modified rate of 7.50 % when the HAMP program offers assistance in subsidized rates as low as 2.0 % is truly excessive. I feel Chase only wants to take my home when I actually qualify for the HAMP program. I am also told that Chase 's participation in the HAMP program requires them to make an effort to get an exception to remove the " override '' attached to my loan allowing a lower rate than 7.50 %. My attorney and I both feel confident I will easily qualify for assistance if Chase did this and obtained an exception to remove that block. I feel Chase is basically blocking or evading the HAMP program approval
Product: Payday loan, title loan, or personal loan

Ive had this loan over a year the original interest rate wasn't that bad. But they offered draws on the loan. To which I agreed, and over the course I'd taken maybe 5 draws. Well I started reading online that each draw was costing me 299 %. I KNOW IF that was disclosed I never would have done it. I wrote a letter in XXXX asking the company what I could do. The manager leaves an angry voice mail. The next day they remove {$450.00} from my account. Plus the initial payment of {$180.00}. Then again in XXXX they do the same thing. I'm a single full time XXXX. They refuse to send a copy of the contractvi signed. And refuse to show me a list of all transactions.
Product: Debt collection

Hello, To tell you that I have never received a notification of an outstanding debt from the pediatrician. 

I have received this bill without being aware of an outstanding debt. 


Please your support to be able to cancel this debt. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am saddened that I can't not get this resolved. I recently disputed inquires on my credit report and you guys said they're authorized and they are most certainly not. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you delete these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX Also, I have accounts that remained on my report that are over 7 years. Please removed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified my mortgage lender several times in XXXX that past payment history has not been updated since XX/XX/XXXX. Both XXXX and XXXX shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XXXX thru XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. XXXX XXXX XXXX added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information. 

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information. 

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me. 

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2023 I sent a dispute letter to CREDIT COLLECTION SERVICES, asking for them to show evidence of my signatures that I indeed owed them money and if not then immediately removed this debt. I have not heard anything from this company, so they have ignored my letter sent certified mail. 

Not only do I have aright to a fair and accurate report they have violated 15 USC 1681 Also violated 15 USC 6802 and 6801
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXand account name 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 : 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

Its showing the account is closed but it is still open and I ; m paying on time.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error
Product: Credit reporting, credit repair services, or other personal consumer reports

Address isnt right like XXXX times on my credit report its close, but it is not right
Product: Credit reporting or other personal consumer reports

W

e are buying a home and the loan officer stated that PHH had reported our forebearance agreement as non payment INSTEAD of a partial payment agreement. We called PHH and they stated that they did NOT report it as a non payment and would provide us a letter by today in order to give it to my loan officer so she could get rapid rescore to correct the problem. This company has all but destroyed my life by refusing to allow me to repair my home from flood damages and now they are not allowing me to move on with my life by reporting this incorrectly to my credit.
Product: Credit card or prepaid card

NAVY FEDERAL CREDIT UNION # ACCT XXXX Pursuant to the Fair Credit Billing Act, A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request NFCU provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by XXXX, NFCU can not lawfully furnish these inaccurate negative informations to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority NFCU do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE.ANSWER THESE IMPORTANT QUESTIONS NFCU. Does these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a XXXX or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate informations would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring NFCU to report negative information to a consumer reporting agency, NFCU maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. NFCU 'S policy does not supersede XXXX XXXX. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT.
Product: Credit card or prepaid card

Hello. 
Ive made several calls to PayPal credit in an effort to correct my access to their online statement feature. The last time I contacted them, which was XX/XX/XXXX, I was shuffled back and forth between their customer service representatives and their IT department four times without any resolution to this ongoing problem. The PayPal customer service representatives informed me that their IT department was equipped to correct the issue ; however when I spoke with their IT department they informed me they could not and connected me back to the CSRs. This went on for about 30-40 minutes. During my conversation with the fourth individual from PayPal I informed her that I planned to discontinue using my Auto Draft option after this payment cycle ( payment due on XX/XX/2020 ) and wanted to be assured this auto draft would go through as scheduled. She assured me this wouldnt be a problem and it would be processed as usual. Given this past experience with PayPal I reviewed my checking account on XX/XX/2020 only to find that PayPal did not process the payment. Realizing this needed to be paid I completed a phone in payment for {$100.00} versus the required monthly payment amount of {$57.00}. Fast forward a week or so and my next PayPal statement arrives via email. The next payment amount increased from {$57.00} to {$87.00}. Concerned why this would occur I contacted PayPal. The rationale given by the PayPal CSR was that a {$30.00} late pay charge was applied to my account and the late payment was reported to the credit agencies. With some level of disgust I explained what occurred on their end with the auto pay and my lack of access to my online statements. He had no interest in assisting any further and kept repeating that PayPal doesnt control the auto drafts. I left the call no closer to gaining access to my online statement or understanding why I was told the XX/XX/2020 payment was not auto drafted by PayPal. Any assistance you can provide in resolving these issues with PayPal would be greatly appreciated. Thank you in advance.
Product: Debt collection

XXXX. Speedy Cash - XXXX # XXXX - Amount outstanding {$990.00} - Today settlement Amount - {$450.00} XXXX. Email received XX/XX/year> - from ( alleged ) - Speedy Cash - XXXX XXXX XXXX Stating that I owe an amount of {$990.00}. And then offering a settlement amount of {$450.00}. [ A company I have never work with before in my life ] XXXX. Sent email to Speedy Cash - XXXX XXXX on XX/XX/year> Stating I would like to clear this matter up but could not afford the full amount of {$450.00}. would like to pay first payment of {$250.00} first then balance on XX/XX/year>. 

XXXX. XXXX XXXX told me to purchase a card the same as a XXXX XXXX XXXX for the amount of the card is to be {$200.00} and do not register this card Take photos of front and back send it to him to him. I did purchase a XXXX XXXX card - so did as he requested me to do 5.Sent 1st payment Via email as photos of XXXX XXXX as prescribed by XXXX in the amount o {$250.00}. received a supposed Receipt on XX/XX/year>. 

XXXX. On XX/XX/year> Final payment was due. 

XXXX to doing this process again I found the Phone # of Speedy Cash at XXXX XXXX XXXX XXXX and asked the lady if I had any affiliation with there company and she searched every program available for her to use of there systems. And she could not find me in there system anywhere and or the amounts that are being spoken about as per above information. 

XXXX. She stated not to proceed with any more payments and or conversations with this supposed Speedy Cash company and person ( i.e. XXXX XXXX ) because it is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry on my credit score that Im not familiar with, the company called WORLD ACCEPTANCE - G and I would like to file a dispute and get it erased from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I had completely paid off a charge off account at XXXX  XXXX XXXX on XX/XX/2021 XXXX  XXXX reported to ChexSystems to remove the negative charge still
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to Experian for them to request the original documents from XXXX as they are the original creditor and the account now belongs to XXXX XXXX Co as that account was satisfied and closed nearly 10 years ago with XXXX. This account has reached it's statue of limitation, however reports on credit as opening date of XX/XX/XXXX, which is also incorrect. A request to Experian was sent on XX/XX/XXXX, then I sent a follow-up request on XX/XX/XXXX. Experian has failed to provide the document to me from the original creditor XXXX. On XX/XX/XXXX I reached out to Experian, after XXXX hour of being transferred from person to person, they connected me with the Fraud department ( agent named XXXX on the XXXX XXXX ), whom advised me that I would need to file a police report for the account. I never stated that the account was fraud and refuse to call the police and not tell the truth. After hanging up with her, nothing was resolved. I previously filed a CFPB complaint and it stated that I did not submit the request, however I did and nothing was resolved with that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally report that I am a victim of identity theft, which has resulted in fraudulent accounts and hard inquiries appearing on my credit reports. These unauthorized activities have caused significant distress and financial complications for me.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( Experian, XXXX, and XXXX ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.I have taken steps to address this issue, including filing an identity theft report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit file with the major credit reporting agencies ( Experian, XXXX, and XXXX ). Additionally, I have contacted the creditors involved and requested the removal of these fraudulent items. Despite these efforts, the items remain on my credit report.
Product: Debt collection

LVNV FUNDING LLC is in clear violation of the law for contacting the consumer reporting agency ( XXXX XXXX ) with my nonpublic personal information. I obtained a copy of my report and noticed an inaccurate collection account reported with an alleged debt of {$440.00} owed to LVNV FUNDING LLC. Please provide me with a copy of the original consumer agreement with my signature that makes me legally obligated to this alleged debt of {$440.00} owed to LVNV FUNDING LLC or XXXXXXXX XXXX 
On ( XX/XX/XXXX ) I sent LVNV FUNDING LLC a notice of your violations and to cease and desist all collections activity regarding this alleged debt that is not owed to you or XXXX XXXXXXXX XXXX XXXX  as per 15USC 1692 ( c ). I have no legal responsibility to this debt and refuse to pay this alleged debt. The person XXXX XXXX  removed this credit card debt account from my credit reports before selling it to your company because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). They are attempting to collect the same debt you were ordered to cease and desist from because it has already been proven to be unverifiable and inaccurate. LVNV FUNDING LLC proceeded with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & XXXX and XXXX XXXX which took effect on XX/XX/XXXX. I am not legally responsible for this debt and this account must be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account. 
This creditor has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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. 

Along with hard inquiries as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report # XXXX and a dispute with XXXX on XX/XX/2022, for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. XXXX deleted the address in XXXX of 2022. They then added the address back on my consumer report recently when I checked the account XX/XX/2022. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with Transunion on XX/XX/2022, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX due to fraud and provided a police report # XXXX. Transunion never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX  due to fraud on XX/XX/2022 but no response yet.