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

Mohela is my loan servicer. I'm in the middle of a PSLF application and a consolidation. I have had my loans in forbearance and deferment. One day ago, I noticed my credit score dropped XXXX points because Mohela mistakenly did not apply my forbearance and deferment. I'm not quite sure what happened. When I try to call them, I am on the phone hours at a time and I'm always transferred to a supervisor or account resolution specialist that does not exist. I have been on the phone waiting for someone for two- and three-hour intervals listening to their awful music. I can't believe that this is how a company operates. It is unbelievable that the person I need to resolve this situation is hours away. I want to speak to someone to solve my problem. These companies buy and sell my debt like it's some kind of asset for them. They can destroy your credit and create a situation where you can lose your job if you have security clearance. It is one of the worst customer service situations I have ever had to deal with. I want to speak with a customer service person who can correct my credit report without having to wait four hours on hold. No one is that busy, but I do believe they very inept and in charge of more than they can handle.
Product: Money transfer, virtual currency, or money service

I was selling a vehicle The person I was selling the vehicle only had funds through unemployment cards or one unemployment card and a debit card so we couldn't transfer all the money at one time so her friend had the bright idea to open a square account square is like a business account when you have a business and you sell stuff so I did that all the money transferred into my account and then I got a call that evening saying that they needed certain information because it seemed fraudulent because it was such a big transaction while I was sitting in my bank with this girl personally so they said they needed all my transaction history in my bank history and all this other stuff so I ended up getting it but by then it was too late and they said they deactivated my account which I still was able to get on there and see that the money was there but it did not go into my bank so they said they were putting a 90-day hold on it Well 90 days was XXXX then I ended up getting two more emails one saying that my hold was over and my money would be transferred into my bank which never happened then I got a second email saying that they still were not doing business with me so I don't know how to take that and I have all the emails and all that good stuff hopefully it's still here but I am still waiting I keep checking my bank account every day which this is tearing me up cuz I was going to pay off some bills That's why I sold the vehicle this is so crazy if I could get any kind of help because I've tried calling a million times they have no customer service I've been hung up on twice I don't know how I got through but there is a number somewhere if anybody could help me this would be great!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

We need to have a mortgage discharge filed with the Massachusetts XXXX XXXX County Registry of Deeds for an unused HELOC. 

We opened a home equity line of credit with Citizens Bank XXXX XXXX XXXX for XXXX on XX/XX/2000. The equity loan was never used. We have contacted several local branches and a corporate contact given to us by one of the branches. The contact was XXXX at ( XXXX ) XXXX XXXX, a case number of XXXX was assigned. The results were that no one we contacted from Citizens could find a record of the HELOC. 

If the HELOC was closed/removed for inactivity it should have been discharged at that point, how do we get the mortgage discharge filed? 

If the HELOC is still active, how do we get it closed and the mortgage discharge filed. 

The mortgage transaction was filed by XXXX for Citizens Bank with the XXXX XXXX County Registry of Deeds on XX/XX/2000. The document filed with the registry of deeds show the XXXX tracking number and customer reference number on the bottom of the last page. The original document was returned to : Citizens Bank Document Control Office Citizens Bank Document Control XXXX XXXX XXXX XXXX, RI XXXX A copy of the Registry of Deeds document and a list of all of the Registry of Deeds transactions are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continue to report inaccurate info on my bureaus the following accounts are a result of identity theft and should be remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  firstly the addresses that the accounts are reporting I never lived at those addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and XXXX XXXX  XXXX # XXXX XXXX IL XXXX the name that the accounts are under XXXX XXXX I did not authorize him to st up any accounts under my social security number. I need these accounts removed immediately I have reached out to the four companies several times asking for a signed agreement between myself XXXX XXXX XXXX and the mentioned companies none of them were able to provide a signed written agreement. I need these accounts removed immediately or I will be obtaining legal counsel for a lawsuit.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

This number has repeatedly called me leaving no messages until one day I finally answered but said nothing. The person named XXXX came on the line and identified the company and self at my request. She refused to disclose her reasons for calling until I ID 'd myself for which I refused. I don't know her or that company! She claimed she was calling about a personal matter which usually means it's a collection agency. She declined my inquiries to find out what her business was about, I told her if they robo called me again I would report them to you. I decided to do it anyway because I'm tired of getting calls from collection companies who may/may not have the right person but continue to call from different numbers under the same area code which is a different form of harassment. This has gone on for 3 months! If this is supposed to be a legitimate business, no identifying info comes up on them so I don't know who this company is but if they call me again I'll sue them then we'll find out who they are. I've received no mail from any company by this name which tells me it's not a legitimate call! I've been called by similar numbers all with the same lack of identifying info, which I'm sure is them : XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; XXXX XX/XX/XXXX XXXX XXXX  ; this constitutes harassment. I have no idea who they are, have never heard of them and in all the times they've harassed me with these robo calls they've never left any detailed messages or sent written correspondence explaining why they are calling. If they end up on my credit reports I will sue them for that reason alone, then add the robo calls to the list and send this complaint along with the one to the FCC filed today, to the judge for review. I'm sick of robo calls and unidentified numbers calling me without identifying themselves, leaving a message or notifying me in writing. Doesn't matter how legit their claim is, if they haven't notified me in writing and only harassed me through robo calls I have the right to sue them and will gladly do so, especially if this is on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on my credit report. This information is incorrect/false and i asked LCI for verification. 

XX/XX/XXXX - LCI did not give proper verification of this information from my first letter of dispute XX/XX/XXXX - Another certified letter was sent ( and received ) demanding to know how they conducted their investigation along my statement acknowledging that I never gave this company consent to furnish a report on my behalf OR report my personal information to anyone.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

For many years I have looked at my account and in accordance to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow procedures to assume maximum possible accuracy of the information concerning the individual about whom the information relates according to 15 U.S.C 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 It also states 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the XXXX major credit bureaus ( XXXX, TransUnion, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section 623 ( a ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was deleted off XXXX but remains on TransUnion and XXXX, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : There is an account on XXXX with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX XXXX  account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on TransUnion and XXXX, violating FCRA Section 605 ( c ). 
XXXX is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ). 
The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the XXXX credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on XXXX with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I was told that they were no errors in the disputed credit files I made. They were updated in my file as accurate or current.
Product: Debt collection

a collection company by the name of ATG is collecting for a loan that was charged to my name. I explained that the loan was changed by the company in error because I never took the on line classes and was to be cancelled but they did not cancel the loan at all. Original loan was last paid in XX/XX/XXXX but this collection company wants to keep it on my report from the date it was put into collection from the original debtor not the time it was last paid. 
I explained that I read that bad charge offs come out after 7 years from last payment, but they want to put it from last date of transferred to a collection company. Spoke to original debtor and ATG and both of them confirm the same thing. 

I am in the process of using my credit and this debt is showing up that it was open again in XX/XX/XXXX vs the original date of XX/XX/XXXX - from the time it was again put into collection
Product: Debt collection

I continue to receive statements from XXXX XXXX XXXX saying I still owe them money. However I already paid the invoice through their debt collector Transworld Systems , Inc. XX/XX/2016, the most recent bill is XX/XX/2016.
Product: Vehicle loan or lease

As a consumer, I have the right to have late payments not be reported. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under the Consumer Law code 15 US Code 1681a. section 602 states I have the right to privacy, and section 604 A states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, pursuant to section 605b. I have been suffering from punintive damages. Please remove the fraudulent inquiries from reporting to my credit report.
Product: Credit reporting or other personal consumer reports

Ive sent a letter to your company last month on the XXXX of XXXX  and i havent recieved any response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$6000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Student loan

Dear CFBP, I am XXXX XXXX XXXX , a full time XXXX at XXXX  XXXX  XXXX , XXXX XXXX ( XXXX XXXX ) and on XX/XX/XXXX I signed Direct PLUS Loans, its corresponding MPNs, and finished the entrance counseling with the Department of Education , Student Aid. 

I have been receiving several emails collecting on a previous private education loan from Discover Student Loans. After calling several times, and being on the phone for a total 96 minutes on their XXXX number, they confirmed to me that both Student Aid and XXXX  XXXX  XXXX need to update the " NSLDS '' in order for me to be placed in student deferral. 

This has been a very trying and tiresome process, filled with opaque rules, and it seems nobody I talk want 's to take ownership of the issue here. I have been very polite at all times but this seems to be designed as to push me, and other students in similar situations, to hire a lawyer at our expense even though I am a law-abiding tax payer. 

I have also shared with them official documents confirming all the above. 

I am sending this complaint so CFBP can contact them over what my XXXX  status can and should be. 

Thank you for any help your team can provide. 

Respectfully,
Product: Money transfer, virtual currency, or money service

I fell prey to a Fraudulent Merchant Scam presented top me on XXXX. Merchant required a minimum {$100.00} order and ONLY accepts PayPal payments utilizing the Friends and Family category for payments. After sending the money via PayPal and sending the merchant the PayPal Transaction ID, and them claiming the funds, merchant discontinues all communication, blocked me from messaging them on PayPal for resolution, provide a fraudulent business address and business phone number. Merchant is non-responsive. I contacted PayPal for Scam/Fraud assistance/resolution and after I opened my Resolution Case, within two hours of submitting my case, they sent an email notifying me they CLOSED my case and they sided in favor of the Scammer/Fraudulent Company and that they will not be refunding any of the money. PayPal also charges a transaction fee for all transactions, and refuses to refund monies provided to the scammers/fraudulent company, AND PayPal keeps the service fee charge for the transactions that were initiated/required by the fraudulent merchant. Unethical Business Practices and I assert the position that PayPal is complicit in a number of Merchant Fraud cases and use them as a means to bolster profits. I exhausted all means of contact with the merchant and turned to PayPal for resolution, to no avail. I have messaged PayPal via Chat Bot Feature on the website and receive zero assistance or resolution. They have never sent me any emails or texts other than the email telling me my case was Closed and that I would not be given a refund. Not even of the service fee they collected. I have attempted to Close my Account with PayPal but they state that I have an Open Case to resolve before I can close my account. When I log into my account and go to the Resolution Center portion of the website, it clearly reflects ZERO Open Cases and ONE Closed Case. In fact, they closed the case within two hours of me submitting the request/notification/complaint, without any investigation into the fraud/scam. PayPal refuses to communicate with customers/consumers and assist in resolving disputes and out right Fraud, such as in my case, yet they profit and benefit from such nefarious activities. Someone seriously needs to investigate PayPal and their less than ethical business practices, levy fines and demand a restructuring of policy that is more in alignment with the ethical and business standards that the United States claims to have and uphold. A regulatory body needs to be a voice for the layman/consumer and help stand up for consumer/customer rights against this corporate monstrosity of a business/company. Please!