23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a house in XX/XX/XXXX with HUD loan from XXXX XXXX XXXX The maturation date of this loan is XX/XX/XXXX. 
Loan # XXXX The loan is now with CHASE bank. I have consulted with the branch in regards to documents pertaining to loan. They responded with a letter stating they did not hold records past XXXX years. 
In the past XXXX  years, I have made additional payments to the loan that have been classified as unapplied. These unapplied payments are added to the principal, then I am given a misapplication reversal which subtracts them form my principal. So basically I do not get credit for my additional payments. Ex. At the origination date of the loan, I was scheduled for XXXX payments of XXXX. Two payments were made every month the first year of the loan. This was not reflected in any change in principal amount nor change the second years payment amount. I also spend hours at the bank correcting the errors made to additional payments that were unapplied another instance I made a double payment to the mortgage and only one of the payments was applied. I believe my loan has been already paid in full and I would like the CFPB to help me count and review all the UNAPPLIED payments Ive made to close this loan as paid in full. 
XXXX  states that I may request this information regarding the entire length of my loan. I need the CFPB to help me obtain information pertaining to my loan 1. Annual tax and interest statement XXXX 2. A disclosure statement that includes amount of loan, the annual percentage rate ( APR ), finance charges ( including application fees, late charges, prepayment penalties ), a payment schedule and the total repayment amount over the lifetime of the loan. 
3. Any documents pertaining to prepaid funds.

4. Any other documents relevant and pertains to loan Thank you XXXX XXXX XXXX maiden name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX account that doesnt belong to me, I asked them to delete it and they want Ive disputed it with them and they keep trying to stall me
Product: Credit reporting or other personal consumer reports

I have no acknowledgement of these hard inquiries and the hard inquiries are a result in identity theft and they must be removed no later than four business days as per 15 U.S Code 1681c-2.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and these accounts were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
Fraudulent 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is addition to my earlier complaint number XXXX. 
I had tried the XXXX time ( to obtain free annual credit report from Equifax through XXXX site ), they refused me twice, the third time they demanded I receive a text message from them. 
I do not have active phone! 
I do not plan to have active phone for a while. 
I do not need to have an active phone to receive my free annual credit report online! 
This is not what the law says. 
This is implementation of tracking and XXXX social credit system. 
The are acting unlawfully. Even if I had a phone number now I would not use it and I do not authorize Equifax to text me, it's none of their business what is my phone number either. 
I was not asked any of the usual identity questions by Equifax before refusal, only my email and phone, which are none of their business. 
I do not want to communicate with them by phone or them sell my email and phone or leak them. 
Also, no alternative had been provided, except one link which had lead to blank page with HTTP error message 404. 
I already provided full identifying info to AnnualCreditReport site, my SSN, DOB, address, name : this is sufficient to identify me for free annual credit report.
Product: Credit reporting or other personal consumer reports

I never authorized these inquiries, please have them removed. 

XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Important dates XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hello, i received a payday loan. I reached out to see if they abide by the military lending act or SCRA to decrease the interest rates of my loan. Advance America told me they do not abide by those laws, however its a federal law so they are obligated to if Im not mistaken.

I got on orders XX/XX/2023 and i would like every payment Ive made since i left on that date to now to be the correct reduced interest rate for the military lending act. Please let me know if you have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and the creditors XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and ALDOUS ( Original Creditor : 05 XXXX XXXX XXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Product: Credit reporting or other personal consumer reports

This is the letter I sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Whom It May Concern, **Re : Removal of Child Support from Credit Report** I am writing to formally request the permanent removal of child support information from my credit report, as it no longer accurately reflects my financial standing or creditworthiness. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681e, I am entitled to have inaccurate, outdated, or irrelevant information removed from my credit report. Specifically, **15 U.S.C. 1681c** mandates that any child support information that is more than seven years old must be deleted from my credit report. 

Furthermore, the **Consumer Financial Protection Bureau ( CFPB ) ** has made it clear that child support information should not be reported unless it pertains to payments that are delinquent or have not been paid in full. Recent enforcement actions by the CFPB have targeted companies, including credit bureaus, for failure to comply with these regulations and for reporting inaccurate or misleading information on consumers ' credit reports, including child support that no longer reflects accurate or current financial obligations. The CFPB 's stance supports my request for removal, and I urge you to review your reporting practices in accordance with these guidelines.

In accordance with **15 U.S.C. 1681i**, I request the immediate removal of the child support information from my credit report and request written confirmation of the action taken, as required under **15 U.S.C. 1681i ( a ) ( 6 ) **.

Failure to comply with this request may result in further action, as outlined in **15 U.S.C. 1681s**, including the filing of a formal dispute or complaint with the CFPB .

Thank you for your attention to this matter. I look forward to receiving written confirmation that this information has been removed from my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This morning, I found some inaccurate accounts on my credit report without any clear reason. I check my report often, but this time, unexpected errors appeared. I tried to refresh the browser, thinking it might fix the issue, but the false accounts were still there. Therefore, I am requesting a careful review of the documents I've sent to ensure this problem doesn't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX. I am a victim of identity theft. I have been dispute fraudulent accounts on my credit report for the last 20 months. And nothing is getting done about the fraud account on my credit report. I have submitted my personal statement, identified theft report and a police report. to all three credit bureau. There is no excuse for them not to remove the account because I've also talk to the credit card Company 's and asked them to send me documents verifying that they have the correct person. Please help me remove the fraudulent account from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX DOB XX/XX/XXXX
Product: Payday loan

The original loan from Cash Call was for {$2600.00} approximately two years ago and now has gone to a debt collector for a total of {$11000.00}. When I applied for the loan originally, I went to their website to apply and consider whether to take the loan. Literally right after submitting my personal information and also before being allowed to finish the online process, I received a phone call, while at work, from a very aggressive and pushy salesperson type of representative. This person talked very fast knowing I was at work and persuaded me to accept the loan. There was never any paperwork for me to sign. Everything was explained verbally and very fast and I was directed to a website where I had to agree to terms I was n't clear on via E-signature. I never received and additional information through email or regular mail afterwards. The loan was deposited into my checking account almost immediately and I found out after the first automatic payment was taken that the payments were going to be over {$500.00} per month which I do not recall agreeing to such an outstandingly high ammount. That loan eventually led to the my checking account being closed and the beginning of a financial meltdown in my life. I originally thought of the loan as a way to consolidate debts into XXXX payment that would be less than I was paying but It turned out to be much worse. I lost my car, my banking account, my credit and almost my home.
Product: Credit reporting

Reference dispute XXXX ] also. I spent over an hour on the phone with transunion, requesting access to my report online, so as to be able to dispute any negative credit information. I was sent to several reps and to no less than XXXX different websites. Nothing Absolutely nothing got accomplished. These people are responsible for critical information that effect humans lives. How is it that XXXX can covey this information to the public and they can not.
Product: Credit reporting or other personal consumer reports

This is a formal complaint for EXPERIAN, XXXX and XXXX to stop reporting my transaction history as it is in direct violation of FCRA and 5 USC 522a which protect my right to privacy.

It is clearly stated in : 15 USC 1681a : Definitions and Exclusions, transaction history on my consumer credit accounts is not to be reported, as it is also clearly covered in the Privacy Act of 1974. 

I have never given said agencies permission to report such information. If EXPERIAN, XXXX, XXXX somehow obtained my authorization through direct communication with me, I formally fully withdraw any and all authorization I may have given EXPERIAN, XXXX, and XXXX. 

Any authorization provided or obtained by third parties, such as the security transfer agents listed above, written, non-written, verbal, non-verbal to report my transaction history is null and void as it is against the law. 

It seems EXPERIAN, XXXX and XXXX have a blatant disregard for the law and I am requesting the CFPBs help to uphold the law in regards to my transaction history and to see that is removed from my consumer report.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

PAY FOR DELETE REQUEST XXXX XXXX XXXX XXXX XXXX XXXX, NJ,XXXX Date : XX/XX/2023 RE : IN REGARDS TO THE FOLLOWING ACCOUNT Account Number : Original Creditor : Self/Lead Bank Amount Listed : {$96.00} Dear XX/XX/2023, I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$96.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 
However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to XXXX, XXXX, and XXXX XXXX Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days.

Feel free to contact me through one of the following : E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am being reported inquires that I do not recognize and have reported that they are not mine, I do not have any active accounts currently nor have I had any of those inqires listed in my report, please remove them from my report immediately, Thank you.
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 Bank # XXXX XXXX XXXX XXXX XXXX # XXXX My rights have been violated, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instruction ; 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, any of the other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1 681s-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 innacurate.
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted trident asset management on a matter that pertains to my credit. I have been a victim of fraud. I sent trident asset management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked trident asset Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay trident asset Management and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!
Product: Debt or credit management

I Was Using LexingtonLaw To Repair Remove Items On My Credit I Was Paying Different Amouts Every Month For About 5 months XXXX XXXX XXXX  They Told Me They Would Remove Items On My Credit Nothing Was Happening They Price Kept Getting Higher Every Month
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing an ongoing issue getting a fraudulent block removed from my Equifax that is blocking companies from accessing my credit report. I first made contact with Equafax on XX/XX/2022, and was advised that the issue was my address being reported two different ways. I was assured they had corrected the issue and that the report would be able for the mortgage facility to view 3-5 days. Roughly a week or so later my credit was attempted again and same issue. I called back in on XX/XX/2022 to advise and was instructed to click a link that was texted to my phone from Equifax and upload two forms of identification to unlock this block. Once again, I was advised this would be resolved in only a few days. I then received a letter in the mail stating they received the documents and block was lifted. Fast forward to XX/XX/2022, I am onsite at a car dealership attempting to make a purchase and was advised once again they can not access my Equafax report. I called into Equafax at the dealership and was then asked to resend the documents as they didnt receive them. I advised that I received a letter stating they received them and more concerning if they did not then where did my social security card and drivers license go that was uploaded to the link they gave me? I asked for a XXXX and was told by the XXXX they cant unlock it because they didnt receive the documents and didnt know where they ended up. The XXXX was absolutely incompetent and did not want to assist me only to give me a fax number to send these very same documents they lost back to them again. I agreed to fax them thinking they could take care of this at that time only to be told by the XXXX it would be another 5 days to process. This is unacceptable and I have not been able to take care of purchases that are very important as I can not get anyone to fix this issue for me. I am needing help desperately with getting Equafax to fix this issue for me.
Product: Checking or savings account

On Thursday, XX/XX/year>, my employer issued my paycheck through their XXXX system, but it never deposited into my account. On Friday morning, I received an email from Capital One confirming they were experiencing issues with a " third-party vendor '' that were impacting the bank. By Sunday, XX/XX/XXXX, they claimed to have " restored everything related to this issue, '' yet most customers, including myself, still have not received their payments. Through " XXXX, '' I was directed to call a support number different from their regular line. I was then required to file a complaint, which initiated an investigation. Capital One has not provided any timeframe for when my payment will be reflected in my account. This paycheck amounts to {$2300.00}.
Product: Debt collection

On XX/XX/XXXX. I spoke to XXXX XXXX at IC Systems Inc. rep # XXXX who was attempting to collect a debt for an account at XXXX XXXX XXXX. I asked XXXX a few details about the account and then I asked her if she could send me something in writing with that information. She said I would receive something. I never received anything. I got a notification on XX/XX/XXXXXXXX  Through XXXX  credit reporting app that There was a collection placed on my credit from this company. When I called and spoke to another representative XXXX XXXX XXXX XXXX I explained to him the situation and what I requested from the last representative and that I didnt receive anything in the mail. He then told me that there was an email sent out to me. I let him know that I did not receive an email and that I dont think that email is the best way for you to send something to someone because things go to spam and junk folders all the time. I asked if he could remove the derogatory mark from my credit and send me a formal letter to my address to give me time to look it over and verify the details and make sure everything looked OK if I needed to disputed, I could disputed and if everything looked Accurate then I would pay it. He said he could not. I called back and spoke to another representative and Supervisor who told me that they could not do this even though I told them that this appears to be an infringement on my rights as a consumer, I did not say I would not pay it if it was mine if the details looked accurate and everything is fine I just asked them to be able to look it over and make sure they are legitimate company. This is the right amount that this is my dad, those things of that nature which are due to me. I was then told that they will send a letter out to me today, but they will not. I can not remove the report. I was not giving my right to dispute the debt nor told that I could dispute the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.