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

Hello, someone has been applying for credit in my name, there are 86 inquirys on my credit report that I have on Experian, I DID NOT AUTHORIZE any inquirys from XXXX to XX/XX/XXXX I am asking EXPERIAN to cease all reporting of these inquirys as mandated under the FCRA 2009 ( a ) FCRA 603 ( q ) ( 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. " I am the victim of identity theft and these inquirys are the result of identity theft, under the FCRA 2009 ( a ) ( 3 ) the credit reporting agency MUST cease all reporting of these inquirys if they are the result of identity theft which I have notified Experian of now.
Product: Student loan

XXXX  XXXX XXXX ( XXXX  ) handles a number of small, private loans through my alma mater that I needed during my time there to get through a couple of semesters. Things have been very difficult for me since I graduated, however, and I am now XXXX, making repayment of these loans nearly impossible. I have applied for, and been granted, economic hardship deferment on these loans since 2013. Unfortunately, the process of being granted the deferment has been terrible. The customer service for XXXX appears to have been outsourced, and their agents only know how to read from scripts for their responses to questions and concerns. I was initially told that the only way they would accept the deferment application was via paper mail. It's a very long application and requires multiple stamps. They then proceeded to tell me that they " lost '' my application, several times, despite the fact that I knew it arrived because I had the Post Office add tracking to the envelope. Then they told me to keep waiting, because maybe it just had not turned up in their mailroom. Another representative then told me that all the others had been wrong, and that I had been waiting and accruing late fees and bad marks on my credit score for no reason, because I could have emailed everything. The entire time, I was receiving harassing letters, emails, and phone calls about these loans because I was unable to make payments, but I was assured by multiple people that I should ignore all of this harassment because it would be removed and wiped away from my account when my application for deferment was processed. 

Even while my loans have successfully been on deferment, after the painstaking process to even apply, I've received multiple letters telling me that I have payments that are past due, letters marked " FINAL NOTICE, '' and even letters threatening to send me to collections agencies if I do not pay the full loan amount, even though my online account shows me that I am still on deferment, and my document inbox on my account shows no record of these harassing letters being sent to me. My attempts to contact them to rectify this issue have been completely useless. All I receive are generic responses taking me around in circles, telling me to talk to other people about the issue. No one seems to be able to help me with it, and if I request to speak to a manager or a supervisor, I'm told I am being connected, and then they hang up on me. Trying to email them or use their support ticket system is worthless, as all they ever do is tell me to call the customer support line. This has been going on for five years and I am reaching the end of my rope. I don't know what to do about this company, and I've tried so hard to do everything the right way and fill out all the paperwork they want me to in order to go through their proper channels. They just refuse to work with me or speak to me as a human being or a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXXXXXX Balance : {$2600.00}
Product: Mortgage

We closed on our VA mortgage in XXXX of XXXX. For background purposes, our mortgage servicer did not pay our taxes in XX/XX/XXXX nor did they pay them on XX/XX/XXXX. Prior to our paying of our taxes on XX/XX/XXXX, no agency paid our taxes. On XX/XX/XXXX of XXXX, we received a notice from our town tax collector that taxes were past due and that due date was XX/XX/XXXX. I immediately that same day paid those taxes and they were all the taxes that were due for our home. There were no back taxes paid or due, then or now. Next taxes due on the home will be in XX/XX/XXXX. No taxes are due until then. We submitted the receipts for the taxes that we paid to our mortgage servicing company to get a refund from our escrow account. After much struggle and a lot of disinformation from them, we finally received our money back. However, now the mortgage servicer is stating according to RESP regulations they must collect more escrow money to pay our taxes due in XXXX of XXXX. They state that due to a 3 % tax break being offered by our town they must pay it earlier than the due date. Again taxes are due on XXXX XX/XX/XXXX, not before, and this is the date we choose to pay them on. Although I asked for the RESP regulation they were basing their decision on, their representative could not provide it for me. So we researched it and found a RESP regulation that they may be referring to, 1024.17 ( d ) ( 2 ) ( 1 ) ( A ) to have us pay earlier than the due date. We feel they actually violated this same regulation by not complying with it and also 1024.17 ( c ) ( 2 ) were they did not produce an initial escrow analysis that they followed. Also, in the same regulation part K, we put in writing we do not want taxes paid in advance because we cant afford to pay them early. In fact paying them early increases our mortgage some {$140.00} which will jeopardize our ability to even pay the mortgage at this higher rate. So basically the mortgage servicer is now wanting to collect {$1300.00} in what they claim is escrow deficiency to save us roughly {$52.00}. So either they did not do an initial escrow analysis or they did and now in the second year of the mortgage want to change it completely around so as to do us harm. They also in our opinion are purposely dragging their feet so they can cause an escrow deficiency by paying our taxes early in XXXX of XXXX before we can hopefully get them stopped from doing so. There is no shortage if they pay on the due date of XX/XX/XXXX. So a deficiency is what we want to prevent. I am an XXXX XXXX Veteran and my spouse is on a fixed income. So in doing this it would jeopardizes our ability to pay our mortgage, ruining our excellent credit history and putting us out on the street in the process.
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. If company " verifies '' than show me the agreement signed between I and the creditor that authorizes me to give them consent to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS My only address is XXXX XXXX XXXX XXXX XXXX XXXX Va in which I do not sent to it being sold or shared. Any other address on my report is nonmailable and needs to be removed. I Reserve All of my rights and waive none NAMES My only name is XXXX XXXX. Remove all others
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing me a lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me. 
My legal and full name is XXXX XXXX XXXX please DELETE any other variation of my name ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 

I am employed at XXXX XXXX XXXXXXXX. 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrity of my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent an affidavit of truth stating that Equifax violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked for a verification of the accounts. Since they claim the accounts were verified and accurate, I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in the following accounts. 

Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report om XX/XX/XXXX, According to the Credit report My DOB was incorrect in my file, I have been in the bureau since XXXX ; I sent them my Identification9a Mississippi Drivers License and a copy Of my SS Card I waited 30 days. I also contacted the FTC, in XXXX, GA, They responded promptly, and advised me to Contact My Congressman ; I did so, contacting Mr. XXXX XXXX 's Office here in XXXX on XX/XX/XXXX, At this time I shared my problem with the office staff.In doing so Mr. XXXX 's Office staff made a copy of My DL My SS card, and My Birth Certificate, and they forwarded that information to Equifax, On XX/XX/XXXX I recieved a Phone Call from a number XXXX, My Caller ID says it's Equifax, the man Asked me questions, to which I answered all of them. He advised me that he would correct the DOB, and other information. and that he would Put It in the Mail, Today 's date is as follows, XX/XX/XXXX. I've heard nothing, Nor Has Congressman 's XXXX 's Office. I've  tried calling the Number and I got a recording. also the questions asked of me by Equifax, leads me to believe also, that I am the victim of Identity Theft. i did not by a Car in XXXX, nor a Home in XXXX, and Credits Cards,  and A Student Loan from XXXX ... I need your help, I'm begining to think that maybe it was Intentional. 
I filed taxes with XXXX XXXX XXXX XXXX, all of my life, and not once was I audited, nor asked to pay any money, b ecause of an Overpayment, but after this thing with Equifax I was asked to pay, XXXX for an overpayment in that amount from XXXX. I have the XXXX XXXX XXXX XXXX   Guarenntee. XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS . XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

for starters, I went to XXXX XXXX  XXXX and got a XXXX  XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was one thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on a road trip couldnt go over 55 mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that Im aware and trying calling Im getting the run around
Product: Debt collection

I have disputed this account and have reached out to the company/creditors but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Social Security Number XXXX Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and Misleading Showing A Balance Owed With Charge off Status. 
Reason : Debt Sold to Collections. 
Please investigate & delete this account Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
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 Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These entities have 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: Payday loan, title loan, or personal loan

Dollar Loan Center Rep " XXXX '' at he XXXX NV location at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX - phone # ( XXXX ) XXXX mis-represented Dollar Loan Center Company Policy by telling me that I had to pay an " upfront '' fee ( the interest due on my current Loan ) BEFORE she would submit my Application for a New Loan. 

This s NOT Company Policy and is NOT required before Submitting an Application for a New Loan. This violation of Company Policy was verified by several other Reps at Dollar Loan Center and also by Regional Manager " XXXX '' at the Dollar Loan Center Corporate Office - phone # ( XXXX ) XXXX. 

This fee was paid on XX/XX/2022 before the New Loan Application was submitted as I was told that I had to due by Dollar Loan Center Rep " XXXX ''. 

She ( XXXX XXXX told me that she thought that My New Loan Application and chance for Approval looked " good ''. 

She ( XXXX XXXX told me that if the Application was Not Approved that I would receive this " upfront '' fee back within 5 ( Five ) days - another Misrepresentaion by her. 

The New Loan did NOT get Approved. 

As of Today - XX/XX/2022 - I have STILL NOT received these funds back to my account that I used to pay this " upfront '' fee. ( As of Today XX/XX/2022 ) is now at 8 ( Eight ) Days from the date that I paid it and NOW that tell me that it can take up to two weeks from the day that I paid this fee to receive the funds back in my account. 

THIS IS A TOTAL MISREPRESENTATION by DOLLA LOAN CENTER REP " XXXX ''. 

I am a XXXX XXXX XXXX XXXX, and feel that this entire Loan Application was not only misrepresentation by her but because of my age this is also XXXX XXXX 

I want her ( " XXXX '' ) and DOLLAR LOAN CENTER held Accountable for this and the Financial Distress that this has caused me. 

DOLLAR LOAN CENTER records ALL calls and ALL of this can be verified by DOLLAR LOAN CENTERS own recordings of the calls between me an there Rep " XXXX ''. 

THIS IS XXXX XXXX  at its worst.
Product: Student loan

I had four XXXX XXXX loans that I took out for my sons XXXX XXXX ; however, I paid one of the loans in full. That loan was approximately {$20000.00}. I have a lender who is willing to pay the remaining three loans in full and refinance them in my sons name, but they need a letter from Edfinancial Services that shows my son as the beneficiary of my XXXX XXXX loans. The problem is that I can not get Edfinancial to give me the letter needed, and I will default on these loans in XX/XX/2024 if Edfinancial does not provide the letter. I have been trying to get the letter from Edfinancial since XX/XX/2024. It is nearly XXXX, and Edfinancial refuses to email the letter to me and when I call them, I am continually told that the letter was mailed on XX/XX/2024, nearly XXXX weeks ago. To date, I have not received the letter. I am now concerned that Edfinancial is intentionally refusing to provide me with the letter, especially since it only takes a few minutes to email the letter to me, which they refuse to do, and they are aware that I have not yet received the letter in the mail. If Edfinancial wanted me to have the letter that I need, they could also overnight it via express mail to me, but they have not taken any steps to ensure that I am able to refinance these loans. Edfinancial appears content in causing me to default on my XXXX loans and ruin my credit. 

I hope that there is a way that you can assist me with getting this letter from Edfinancial Services very soon to prevent my XXXX loan from going into default. Please let me know if there is anything else that I need to provide to you other than this letter. Thanks in advance for your assistance with this matter.
Product: Prepaid card

There are several customer service numbers and not 1 of them has an option to speak to a person. The bill pay option is unavailable and there is no way to transfer money to my bank. I am limited to the amount of money i can withdraw. I can not pay my rent with a card,
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Mortgage

I have 18 months of mortagage relief payments from the Homeowners Assistance Fund and Flagstar Bank is behind in applying 3 months of my payments from XXXX to XXXX. {$3400.00} is the exact amount currently not applied to my mortgage payments. I have received notices from Flagstar for loss mitigation and even after contacting they still havent applied payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information Also known as : XXXX, XXXX, M Also known as : XXXX XXXX Also known as : XXXX, XXXXXXXX XXXX Also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employer : XXXX AND XXXX Employer : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX XXXX XXXX Off : XXXX XXXX FIN XXXX {$5.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX  A XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX A XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX {$1800.XXXX XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX XXXXXXXX XX/XX/XXXX {$2600.00} - Duplicate XXXX XXXXXXXX XX/XX/XXXX {$1800.00} - Duplicate XXXX XXXXXXXX XX/XX/XXXX {$3600.00} - Duplicate Late Payment : XXXX XXXX XXXX XX/XX/XXXX Credit Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX