23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Product: Student loan

On XX/XX/2021 I received a call from Guidance Alum stating that I was eligible for President Biden 's Student Loan Forgiveness Program. Because they had information that was relevant to XXXX, I thought the call was legitimate and authorized future loan payments. On XX/XX/2021, Guidance Alum deducted {$260.00} from my checking account ; however, no changes were made on XXXX and I was still expected to make a payment for the month of XXXX. On XX/XX/2021 I unauthorized future payments and verified with XXXX that Guidance Alum is a scam and I am to continue my loan payment arrangement with XXXX.
Product: Money transfer, virtual currency, or money service

had several zelle payments sent that wasnt me an they never gave me my money back an im still XXXX about it they been doin it for years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Is reporting a XXXX account as a charge off and a XXXX auto loan and XXXX credit card and credit first accounts even though they are fraudulent also Experian is reporting a fraudulent XXXX credit card and same with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection that have randomly appeared on my credit report from a compy called credit collection service. All XXXX  and Experian do is send me back a standard answer of verified. When they fail to send me the legal documents that they use to verify this account which is unlawfully being reported on my credit report. I have never done business with this credit collection service company nor did I give them permissible purpose to report this inaccurate account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX partial 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 my written instructions
Product: Credit reporting or other personal consumer reports

Equifax has a bankruptcy report attached to my credit history. They gave court phone # to call. I called and found out that there is another person with the same last 4 digits of my social security number with a different last name. I called Equifax and they said they would investigate. Upon investigating they insist they have the correct info. They gave another number to call XXXX XXXX ( XXXX ) and they confirmed that I do not have any XXXX court. They confirmed Equifax is using the wrong info. 
I am in the process to buy a home and I need a resolution as soon as possible. I am at risk to lose my mortgage
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax

) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. . 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Consumer Loan

I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.
Product: Credit reporting or other personal consumer reports

Unable to login to credit reporting website. 
Always temporarily blocked. 
Have called multiple times to get tis resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert from XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX, and XXXX I had inquiries on XX/XX/2023. I had just gotten a new I phone because mine had been acting up, so I couldn't check it until I got home. I not only found 2 from XXXX but also another one from XXXX. 
I called the Credit Reporting Agencies ( CRA ) and the card issuers but the card issuers wouldn't tell me anything and the CRA 's said I had get a police report and FTC report and mail them in, which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting my name incorrectly and misspelled : XXXX, XXXX XXXX and XXXX is spelled incorrectly. the correct spelling is XXXX. 

The following are incorrect addresses : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : 1. XXXX XXXX reporting on XXXX ; bal : {$11000.00} 2. XXXX XXXX reporting on XXXX, XXXX, and Equifax ) ; Bal : {$500.00} The following are unauthorized inquiries : XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX XXXX  XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2 Times XXXX XXXX XXXX
Product: Debt collection

In accordance to USC1692c states ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Ive asked them to cease and desist but they keep contacting me. Theyve reported to my credit report when I told them I dont own the account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit bureaus since last year of XXXX about their CONSTANT violations of my rights. I conducted my own investigation into the responses from the letters they were sending me about validating and verifying inaccurate information they are reporting on my credit report as accurate. All three credit bureaus " claim '' that they verified the bankruptcy they're reporting on my credit report as accurate and they have " verified '' this with the courts. 

However, upon doing my own investigation by sending a letter to the courthouse myself on XX/XX/2022, asking them do they report bankruptcies to the credit bureaus and they responded saying that, " They do not report any bankruptcies to the credit bureaus ''. They also stated that " They are NOT a credit reporting agency and are not required to conduct investigations or respond to disputes ''. 

The credit bureaus also claim they have verified this bankruptcy with a 3rd party credit reporting agency as well. I have a letter from the 3rd party agency also stating, " We have reviewed the information from our Bankruptcy Records and determined the data being reported as unverifiable. The data in question has been removed and our files have been updated ''.

So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They have violated my rights one too many times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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.

ALL THREE BUREAUS are reporting multiple inaccuracies and misleading information.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX. XXXX XXXX... XXXXAccount number XXXX XXXX ... Account number 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 an 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 conviction 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 reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I woke to find a Summons ( XXXX ) lying on a bench on my front porch, not in an envelope, with all of the information exposed to the public. 

I immediately sent an email notifying the attorney firm, Gurstel Law Firm, PC that the XXXX 's debt was included in my husband 's bankruptcy ( XXXX ) which was discharged XX/XX/XXXX. The request was made to have Gurstel Law Firm file a Motion to Dismiss within the email. 

On XX/XX/XXXX, I received correspondence asking " to work towards an amicable resolution ''. After XXXX attempts to contact the law firm on XX/XX/XXXX, I finally was able to speak to XXXX in Collections whom notified me that the file ( XXXX ) was with an attorney being reviewed since XX/XX/XXXX. 

XXXX ( who is based in Washington ) asked that I call back in a " few '' days to find the status. My desire was to not have to spend funds that were needed to file an answer and Motion to Dismiss. As this is not a " legal '' lawsuit for collection. 

In the past well before this summons was issued, the debt collectors and XXXX 's were notified of the bankruptcy and request to cease collection attempts.
Product: Credit card or prepaid card

This complaint is a continuation of complaint XXXX. I have yet to have the issue resolved with Capital One regarding the inappropriate fees. They have referred me to collections on top of this. Also the ongoing fraud investigation has yet to be resolved. I have called Capital One on several occasions, multiple times a week to get a status on the investigation because my account in its current status has had a negative impact on my credit report. No one will give me an account of what is happening, I have submitted requested ( and very sensitive ) documents over and over again, without any followup or request to resubmit due to an error unbeknownst to me
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX {$2200.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2200.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Mortgage

Hello, I am currently in the process of closing on a home and I am working with Mr. Cooper to obtain my mortgage. I am also on maternity leave with full salary replacement ( 100 % paid salary ) during my leave. 

Earlier this week I received an email from my loan processor stating that my loan was escalated and that the underwriter was requesting that I be back at work before my loan closes. The loan processor said she was challenging this and reaching out to management on the issue. I also provided documentation that I received 100 % of my salary while on leave. 

I checked in multiple times this week to see the status and learn more. I was not given any transparency or visibility into the process. Finally, last night I emailed my loan processor and said that I believed what they were doing was wrong and illegal and blatant discrimination against me. This morning, on XX/XX/XXXX, my loan processor emailed me to say everything was fine and we were moving forward. They just needed documentation from my employer on the exact date when I would return to work. She did not respond at all to my email to her about their discriminatory practices. 

I had also requested to speak to a supervisor on this issue and no supervisor information at Mr. Cooper was provided, nor did my loan processor specifically address my email to her when I called them out for discriminatory practices. 

I am still worried about my close and unsure if they will delay my closing. I'm worried I will not be treated fairly during the closing process because I am on maternity leave. I am concerned and upset that Mr. Cooper would even try to hold up the loan process and discriminate against me based on XXXX ( maternity leave ). I am more than qualified financially to afford this mortgage and have been extremely honest and diligent in supplying them with all possible documentation throughout the process- even providing additional documentation that they didn't request to support my situation.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/year>. Since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. The account is also reporting on my credit report for more than XXXX years. This inaccurate information FALSELY manipulates the statute of limitations. You failed to investigate this account proper and your neglect has violated my rights. I am demanding a deletion of the following account immediately.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.