23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

i signed up with quickbridge they are a cash advance company I had to pay XXXX a week it was ok at first. I tried to negotiate lower payments or monthly they said no. After running into issues with my bank I was not able to pay checks bounced. i tried to get other agencies to take over the account they were not successsful in doing so. They have placed a ucc without trying to find someone who can help me do lower payments. I feel like they didnt try to resolve it and took the easy way out.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and permanent deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these entries were made without my authorization, in violation of my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Multiple Entries ( Detailed Below ) {$0.00} XXXX XXXXXXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XXXX XXXX, XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX o XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$9700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$350.00} Fraudulent Inquiries XXXX XXXXl ( Multiple Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dates ) XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX Multiple XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Student loan

Mohela is my current loan servicer. They are reporting on my credit report that I was 90-120 days delinquent in XX/XX/XXXX-XX/XX/XXXX. I contacted Mohela and they indicated that it was transferred over delinquent from XXXX loan servicing. I know that I have never been late. They said to call XXXX. I called XXXX they have no record of servicing my loan since XX/XX/XXXX. XXXX said to call XXXX XXXX, XXXX XXXX has n't serviced since XX/XX/XXXX. I called XXXX and XXXX and nobody has serviced this loan since I consolidated XX/XX/XXXX. I have called the student loan servicing help line, the nslds.org, website and assistance number, and the student loan support center XXXX. Nobody is able to provide this information, nor do they show any delinquencies. I am unable to verify the information provided, and XXXX is unwilling to verify the information that they received when transferred over. If they are reporting on my credit report based on information received from a previous provider than that appears to be faulty. I am asking that Mohela verify the information that they received when the account was transferred and/or correct my credit report as required by the FCRA ; and therefore it is a violation of the Fair Credit Reporting Act.. Per Mohela my account was transferred over delinquent in XX/XX/XXXX ; and continue to base their reporting off of inadequate and unconfirmed information and due to this violation I am requesting my credit report be updated as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have excessive telephone numbers reported on XXXX XXXX XXXX XXXX and unable to login to dispute and " Block because I am XXXX Blocked '' so they can implement systemic discrimination as XXXX XXXX is not allowing me to dispute reporting by blocking XXXX from login into their system to continue their report of erroneous information as to excessive telephone and not reporting or allowing update to correct telephone number of XXXX to assist companies and Banks discriminate. 

It's been said that government agencies like " XXXX XXXX XXXX and IRS '' have Dept. of Justice to harass senior citizen and cover-up discriminate and could be involved with this type of corruption or discrimination or due to politics. Practice to evade federal protection at FRCA or ECOA and other laws to protection American by systemically discrimination and maybe one of the cause violations in America. 
Even XXXX XXXX employees have no power to correct allow login because I am XXXX Blocked. 

Equifax will not let me login or anything because they want to continue to report erroneous information systemically to XXXX-Blocked my credit file.
Product: Credit reporting or other personal consumer reports

I haven't checked my credit in a long time because it was good. Then I got emails and alerts saying my information was in a data breach. I also subscribed to this credit monitoring for free with XXXX XXXX and it keeps saying my name was found on the dark web. So I finally checked all of my reports and I saw someone fraudulently tried to get phones in my name and had some inquiries that also were not mine. I reached out and disputed the accounts immediately with the bureaus and the companies on XX/XX/XXXX. I saw that the disputes came back as " verified '' so I filed an Identity theft report with the FTC on XX/XX/XXXXXXXX 
With XXXX, I am referring to the following : Collections : Acct name : SOUTHWEST CREDIT SYSTEMS Acct # : XXXX Original creditor : XXXX XXXX Balance : {$120.00} Inquiries : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are reporting an account for XXXX XXXX XXXX as having late payments when it does not. The creditor sent XXXX, Equifax, and XXXX all a notice over 60 days ago stating a request to remove the late payments. They also sent the same letter to me as a reference. The reporting agencies have yet to remove the late payments stating they are verified, they cant be verified if the creditor requested removal.
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 : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX has violated my rights XXXX 

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: Mortgage

We purchased a home in XXXX, Maryland with a Wells Fargo loan. After XXXX lost his job we put the house up for sale and relocated to XXXX, WA. The house did not sell and Wells Fargo refused to modify the loan by stopping the fax transmission of the necessary documents repeatedly. We made 9 mortgage payments after moving, but were no longer to able to make payments, and since Wells Fargo refused to modify the loan, they took the house through foreclosure in 2008.
Product: Debt collection

*******Debt collector amount keeps going up ******Debt collector reports inaccurate information on credit reports ******Debt collection over XXXX years old ******Debt collector has caused actual damage and high interest rates due to reporting incorrect information. 





*****Date, incorrect on credit report, amount incorrect on credit reports. 






******Debt collector retaliations when i make Reports to CFPB. Reports higher amount owed.

*****Debt collectors comes up when applying for car loans, rent, etc.

*****Debt collectors harass me and my credit report. 






****Debt collector does answer direct questions or provide accurate information to me, judge, courts, or credit report, ******Debt collector is causing actual damage by refusing to remove debt over 10 years. 


******Debt collector has not included payment made on car note, that the car was stolen from me illegally ; that i was not giving information or the chance to get my car back was giving no repayment options, no auction information. 





*****No refund for the package i had With the car & i tried to get my money back for the tire package i had on the car, gap car insurance which would have covered the difference. 


*****Wages have been took from XXXX XXXX XXXX i am XXXX  i have no job or income this is the only reason wages have been took, i never got noticed that wages would be took but they took wages & taxes and this information is never sent to me. 



*******How is this amount of debt never going down, the amount of the debt continues to go up, & payments have been took from wages, taxes, & payment plans yet the debt remains to go up and continue to stay on my reports for over XXXX plus years ******They keep changing the date, year and amount*****
Product: Credit reporting 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 confidentially under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : s I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or the reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for its failure to properly investigate inaccuracies in my credit report. Despite my dispute submissions, Equifax repeatedly responds within 24 hours, asserting the accuracy of the account without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, Equifaxs actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs recent administrative proceeding ( File No. XXXX ) addressing similar violations. 

I request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with the necessary proof of a proper investigation.
Product: Credit reporting or other personal consumer reports

I have Several Credit inquiries that i did not make, and several of them are from the same creditor on the same day as well. there are about XXXX of them.
Product: Credit reporting or other personal consumer reports

I do not have a contract with the current creditors. Please remove the following accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Citizen 's One offers a line of credit to purchase a XXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.
Product: Credit card

Forever 21 credit card company... I made my last and final payment in XXXX. Forever 21 has always received my payments on time and I always pay them off. I made my last payment on the due date. Later I received a late fee. When I called the company they stated they are in a different time zone ... .so I made the payment on the correct date but it was considered late. Myself and the teller went back and forth. Employee # XXXX told me he could waive the {$30.00}. Which left me at a XXXX balance, but instead of having a XXXX balance. The following month of XXXX I received a payment slip requesting {$62.00}. When calling Forever 21 representative XXXX said the previous representative gave me the wrong information. She informed me Forever 21 can only credit {$15.00} and there is nothing else they can do. So because the representative gave me the wrong information. He credit {$15.00}, I was then made delinquent for {$15.00}, then charges a additional late fee for not paying the {$15.00} difference that I was unaware of, because he said he would credit the {$30.00} initially. And now because of this my XXXX credit score has declined to the XXXX 's. This was extremely unfair!!!! Their employee should be trained better and should give out correct information. I am being penalized for his mistake. I have been a great customer and a loyal customer.
Product: Debt collection

I have contacted Paramount Recovery in the past on regards to this medical debt from XX/XX/2014. In the conversation I wanted the account off my credit and advised the credit bureaus that I dispute the debt because I truly have no idea who this Dr. XXXX XXXX is and no recollection of any services rendered. Yes, I did want to resolve it just to get it off my credit, but the agency has failed to prove these services were rendered to me. They sent me a standard collection letter. When I contacted them this week, they could not provide any details. They did not know if I had insurance, if insurance was filed or what service this doctor so call rendered to me. I was flat out told that they do not have any of those documents available. I have seen no documentation with my signature or photo identification proving this debt truly does belong to me. I have disputed with the credit bureau and they keep saying that the debt is valid. How did they validate if the agency doesnt have any documentation? I need this debt removed from my credit report for lack of proof and validation.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX the Natural living Person ( consumer ) who comes in good faith. This credit report agency has harmed me mentally, damaged my credit and intentionally keep negative items on my credit after bringing facts to this credit reporting agency notice. 

These companies keeps updating the accounts last date of activity to intentionally keep this account relevant on the credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These account are also have Data Unavailable for payment history. Because of these facts this credit bureau needs to delete these accounts immediately. 




7 years and 6 month is when these type of accounts can stay on a consumer report but these companies are violating my consumer rights and you as a Credit Reporting agency is liable and being complicit in damaging my consumer report in my ability to contract require funds and purchase a home. 

These companies are committing fraud and lying on my consumer report and the fact is This account is not active. 

These accounts need to be deleted immediately for false reporting. 

These companies are updating the last date of activity every month and this altering the age of this account This credit report agency is responsible for this error and needs to delete I received a letter saying these accounts were verified. I demand this credit reporting agency provide the method of validation which is the process that was used to verify this debt. I need the persons or people addresses that was spoken to, i need the individuals names, email address, phone numbers called that was used to verify this debt. The law says the credit reporting agency has 15 days to produce the Method of validationor this is another violation! Delete these accounts immediately. The method of validation is completely different to debt verification in law. Produce the method of validation at once
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX, XXXX AND TRANSUNION and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX. XXXX, XXXX AND TRANSUNION. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!
Product: Mortgage

On Tuesday, XX/XX/XXXX, I received a text message from NewRez, informing me that I haven't made a payment. This infuriated me because I have until the XXXX of each month to make my payment. There have been issues with this company lying on me constantly and reporting my account to the credit bureaus. Their conduct has been unacceptable ; I don't like the way they do business. I have never missed a payment in my life, and I have never been XXXX XXXX XXXX  days late with a payment. I have spoken with a representative regarding my financial situation. I wanted to be able to split my payments up. These people never make proper notations in their system. 

They never send me a letter acknowledging and confirming the payment arrangement that I have with them. Whenever I need to make a payment arrangement with a credit card company, that company would send a letter, confirming the arrangement that they are honoring. NewRez is an awful mortgage company, and I wish it was possible to do some investigation regarding their business practices. Attached are the letters I have sent to NewRez.
Product: Mortgage

Wells Fargo foreclosure fraud, No Standing to Foreclousure 1 ) XXXX XXXX Could not have effectively transferred assets after the date of XXXX XXXX 's Bankruptcy filing and after a bankruptcy court approved liquidation plan onXX/XX/XXXX and assignment of my mortgage between XXXX XXXX XXXX XXXX To XXXX XXXX  was dated XX/XX/XXXX. ( By XXXX XXXX office by Robo -signing and his document-processing firm XXXX XXXXXXXX XXXX ). ( Has not provided proof of authorization by bankruptcy court ) 2 ) .Second item of fraud, The Power of attorney which is between XXXX XXXX and Wells Fargo XXXX XXXX XXXX is not stated in the " Limited Power of Attorney ''. Note Wells Fargo Can '' t be the Attorney-in-fact for XXXX XXXX XXXX XXXX ( Robo-Signing ). Which is violated New York State Power Attorney law.it is suppose to say " XXXX XXXX XXXX  XXXX, by wells Fargo N.A as attorney-in-fact ).
Product: Debt collection

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out any wrong accounts from my credit report. Can you check the papers? Some accounts listed are wrong in terms of what's reported, like wrong amounts and dates.
Product: Debt collection

They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. They be illegally trying to collect zombie debt and intimidating me. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. 
FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts!