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

The issue is that Equifax has no record of me. ( I was able to get valid credit reports from all other credit bureau such as XXXX and XXXX. ) In XX/XX/2018, I was trying to apply for mortgage, and my lender told me that someone else showed up on my Equifax credit report. That person has a different name, different SSN and different birthday from me. Therefore the Equifax credit report was clearly wrong and can not be used to apply for mortgage. 

I called Equifax immediately and I was told that they could not locate my record using my SSN therefore its system somehow generated a wrong report instead. I was told to fax my SSN copy and other materials so that they could look into it. 

I sent all the information immediately the day after ( around mid XX/XX/2018 ). After a few days, I called Equifax to check whether they received it. I was told that I needed to wait for 10 business days before they could tell me whether they received it. 

After 10 days, I called again, and was told that they did not receive it and all I could do was to fax everything again. I was really upset but I did fax everything again on the next day ( around beginning XX/XX/2018 ) After 10 days, I called again and was told that they still did not receive it. I validated the fax number and confirmed that I was using the correct one both times. I was told to wait for a month because it would take them a month 's time to check if they receive my documents. 

In the meantime, I called my credit card companies ( XXXX and XXXX ), and both companies confirmed that they have always been sending my credit information to credit bureau including Equifax. This matches the fact that I can get correct credit reports from all other credit bureau. 

I waited a month and received their reply by mail. However, in the mail, I was referred to using the wrong name ( the one showed up incorrectly in my report ). They told me that they could not locate my credit report and asked me to fax everything again. It has been over a month and no progress was made. 

At this point I am really frustrated and do not know what else I can do to fix my credit report in Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.
Product: Student loan

Within the first 120 days of the loan I made XXXX payments and directed them to be applied to principal only. They have not been applied to principal and I have been accruing interest on the original principal amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I pulled a credit report on XX/XX/XXXX and noticed that Capital One is reporting late payments for XX/XX/XXXX-XX/XX/XXXX despite the fact that I was making my payments as agreed during these months and I was actually a part of a special program they offered at this time to get my account back in good standing. I  made all payments as agreed during this time. In XX/XX/XXXX I received an email thanking me for bringing my account up to date.I disputed these late payments with capital one on XX/XX/XXXX via their secure chat. Today XX/XX/XXXX I received a letter from Capital One stating that the information they are reporting is accurate and therefore they do not have to update anything with the credit bureaus. However, I have proof that I was making payments during this time. Clearly, I am not alledging never in my history making a late payment to capital one because clearly I have, but I do not want things reported incorrectly when I was making an effort to correct my past wrongs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting OneMain Financial, who appear on my credit file as OneMain numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Product: Credit reporting or other personal consumer reports

The company I'm disputing is Mohela. They reported my student dept into two seperate accounts instead of just one and reported my payments incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # XXXX, XXXX XXXX-acct XXXX XXXX, XXXX XXXX XXXX XXXX-acct XXXX XXXX XXXX XXXX XXXX XXXXacct # XXXX, XXXXacct # XXXX, XXXX XXXX XXXX-acct # XXXX, XXXXacct # XXXX, XXXX XXXXacct # XXXX, XXXX XXXX XXXX XXXX-acct # 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. It Also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX I chose XXXX items on XXXX to purchase. A small Affirm icon appeared next to one of the items and I opened it see what it was. It was an offer that stated if I paid off the loan within a certain amount of time I would not be charged interest. I decided to apply. In the process there was a place to select how many months in which I would pay it off. I believed I was choosing 6 months without interest because of the offer I had just read. When I checked my account today XX/XX/XXXX I saw that I had immediately been charged interest. I called affirm. The first person I spoke to, XXXX, put me on hold and then hung up on me. The second person listened, gave me a list of some of the reasons I was denied " no interest '' and passed me to a XXXX. That person gave me the same information but could not give me a valid reason for being refused the " no interest ''. My credit score is over 700 and I have an excellent payment history. Other than that Affirm 's representative had no excuse for the deception. 

Affirm was deceptive in it's advertisement, did not state what reasons could negate their offer, and when they gave me the option to select a time limit to pay off the loan, it was not in accordance with the initial offer which I assumed would be XXXX mos no interest, I find this unacceptable and would never Align myself with such a high interest rate.
Product: Mortgage

Last year in XXXX I submitted and was approved for a school tax exemption for this tax year to be paid in XX/XX/2022. This exemption accounts for roughly 67 % of my total taxes. I promptly sent the approval notification from the County Tax Commissioner to the company servicing my loan. In XXXX, several months after receiving the exemption, the company completed an escrow analysis and failed to reflect the exemption. The result indicated a shortage instead of what was, in fact, a surplus. I called the company and they said that they could not recognize the exemption without and actual tax bill despite the fact that escrow projections are frequently done without actual tax bills for loans on new construction. Actual tax bills were issued last week so I called the company and was told now that the bill must be paid before they can consider it for escrow. The story changes every time I speak to them, and this runaround needs to stop.
Product: Debt collection

To whom it may concern, A {$200.00} collections from AFNI on behalf of XXXX XXXX XXXX XXXX showed up on my XXXX  credit report today. 

I do not owe this money and have had the same collection show up on my credit report in the past for several years now. I have repeatedly disputed the report as the various collection agencies keep changing the date. Immediately prior to this instance, the date listed was XXXX XXXX. There is no date listed for the delinquency reported today, XX/XX/XXXX, so I presume that is the date the credit bureau/ AFNI is using. 

I have also received phone calls and letters over the years despite my statement that " I will not pay this debt. Any further communication with me is in violation of the Fair Debt Collection Practices Act. '' Even if I did owe the money, the statute of limitations for debt collection in the state of Texas, where the debt was allegedly incurred, is 4 years ( Tex. Civ. Prac. Rem. Code Sec. 16.004 ; Tex. Fin. Code sec. 392.007 ( d ) ) That time has past. In XX/XX/XXXX, I did vacate my XXXX, Texas apartment. However, the internet services I cancelled were XXXX XXXX, with whom I had an account since XXXX ( see the attached documents ). 

By this writing, I respectfully request that the CFPB require XXXX XXXX XXXX XXXX recall the debt from AFNI, remove the collections from my credit report, and prohibit AFNI and XXXX XXXX XXXX XXXX from making any further reports to my credit. 

Should you wish to discuss this matter further, I can be contacted at : XXXX ( XXXX ) XXXX Regards, XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report on Equifax, XXXX and XXXX and noticed fraudulent inquiries and fraudulent accounts that were listed on my credit reports that need to be immediately DELETED as well. As Clearly outlined in 15 USC 1681 and more specifically to 15 USC 1981c-2 and 15 USC 1681s-2 , I DID NOT originate or authorize the following accounts listed on my credit reports. This amounts to clear IDENTITY THEFT and MUST be DELETED within 4 business days of receipt of this complaint. I am attempting to handle this matter privately. Please DELETE account ( s ) : XXXX XXXX, XXXX XXXX XXXX. DELETE fraudulent inquiry 's : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Due to the heatwave we experienced I rented a motel room at XXXX XXXX in XXXX XXXX. I stayed XXXX XXXX and XXXX after I checked out I went to the store and transction was declined. I checked my account and there were 2 additional charges. One was for XXXX and another for XXXX. I went back to XXXX XXXX and asked why they had charged more. The desk person says she showed no record other than the XXXX XXXX charges. I called Money Network and they said I needed to contact XXXX XXXX I told XXXX I had done that and they have no record of any charges or holds. XXXX ( MN ) stated that the credit card company mustve placed the holes I said I was not aware of any holds being placed so these were fraudulent holds and needed to be released. I She stated she couldnt release them because the credit card company placed them i again stated I WAS NOT MADE AWARE OF ANY HOLDS NOR GIVEN THE OPPORTUNITY TO CANCEL!! 
I asked for a supervisor XXXX who again stated the credit card company placed them for my protection. I said that is the stupidest thing I ever heard and I worked for XXXX XXXX XXXXXXXX for 12 years. I suffer from XXXX and am currently XXXX so every penny I get has a purpose this week I was supposed to get my meds refilled, I have drs appointments I need to get to so thats what my money is budgeted for suffer from very high anxiety so without my meds I am capable of anything. I explained this to both of the morons at Money Network. They said they couldnt help me. I called yesterday and spoke to a manager named XXXX very rude unprofessional and just nasty all around. She said she didnt appreciate my treatment of her employees the day prior. I said i dont care what you think do or say these holds need to be removed because I was never made aware they were being placed and XXXX XXXX has no records of them. She said she wasnt doing anything for me and to go file my complaints like I said I would she doesnt care. NASTY PERSON. I need help getting my funds release so I can close my account and never deal with gift card company bozos.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATESI 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 m
y written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

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

Subject : XXXX 's Non-Compliance with Section 605C of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing a formal complaint against Fingerhut/WebBank for their failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ) regarding the removal of fraudulent information from my credit report.

I am a documented victim of XXXX, and under Section 605C of the FCRA, consumer reporting agencies and furnishers are required to remove adverse information resulting from XXXX XXXX upon receipt of proper documentation. Despite my formal dispute and submission of XXXX  documentation, XXXX has failed to remove the account from my credit report, violating federal law. 

Details of the Complaint : I submitted a formal dispute and XXXX  block request to XXXX, Experian, and XXXX in accordance with Section 605C of the FCRA. 
The credit bureaus requested verification from XXXX, but XXXX failed to remove the fraudulent account from my credit report. 
I escalated the dispute by filing a CFPB complaint, but XXXX still refuses to comply with the law and continues reporting the account, causing ongoing damage to my credit and financial well-being. 
I have provided all required supporting documents, including proof of XXXX, yet XXXX has not honored my request as required under Regulation V XXXX XXXX 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 ] Account Status : [ Charge-Off/Past Due/Delinquent ] Request : Immediate removal from my credit report Violation of Federal Law : Section 605C of the FCRA states that no adverse information resulting from XXXX  may be included in a consumer report if a victim provides documentation. 
Billing Code : XXXX, Bureau of Consumer Financial XXXX XXXX 12 CFR Part 1022, Docket No. XXXX, RIN XXXX prohibits credit furnishers from continuing to report fraudulent accounts tied to XXXX  XXXX. 
XXXX refusal to remove the fraudulent account violates federal consumer protection laws and has caused me undue financial and emotional distress. 
XXXX Requested : I request the CFPB to : XXXX XXXX to immediately remove the fraudulent account from my credit report as required by law. 
Investigate XXXX for failing to comply with federal regulations and take enforcement action if necessary. 
Ensure XXXX ceases reporting this account to all credit bureaus moving forward. 
Provide written confirmation of the removal of this account in accordance with Section 605C of the FCRA. 
XXXX 's continued non-compliance is unlawful and harmful. If this matter is not resolved promptly, I will consider additional legal action and further escalation to state and federal authorities. 

I appreciate your attention to this urgent matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I discovered after reviewing my credit bureau report that XXXX XXXX XXXX, a payday loan store and original creditor sold and charged off debt in the amount of {$5400.00} to ( NCA ) National Credit Adjusters , LLC. based on information obtained from my report this account was sold XX/XX/2016 and in accordance with section 809 validating debts of the fair debt collection practices act requires proof of the debt in writing. I have never received validation in conjunction with of the FCRA guidelines defined yet it is being reported on my credit bureau as verified as accurate ; no verification has been provided to demonstrate this company is licensed in my state to collect a debt and has been disputed with all three credit bureaus despite my request to obtain validation no response has been received. The information is being reported to all three credit reporting agencies is inaccurate and violates the FCRA ( S ) 1681 as 2. 
This item remaining on my credit report is in violation of federal law. ( NCA ) has failed to provide me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) and section 611 ( 5 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA requires prompt deletion of all information which can not be verified. ( See attachment ). According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) are required by federal law to verify through the physical verification of the original signed consumer contract that all accounts posted on the credit report. in accordance with section 809 validating debts of the fair debt collection practices act requires National Creditor Adjusters to provide information concerning the debt is validated which is in direct violation of FCRA 1681S 2.