23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Student loan

my loan was in a hardship status while I went through a bankruptcy last year that discharged XX/XX/XXXX. I was unable to make the {$350.00} payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was waiting for a new tax return to come back because I also had to go through a divorce that finalized in XXXX of XXXX. I asked them if there was any way I could get an IBR that would catch up my past due so that I could make reasonable, on-time payments. They sent me the IBR that lowered my payments to {$57.00} a month. I could make those payments and also paid additional totaling a {$100.00} a month for XX/XX/XXXX, XX/XX/XXXX and going forward was the plan. They told me I had exhausted all deferment options and that the past due could not be updated and that my loan, even with the additional amount I was paying was going to default XX/XX/XXXX. I was then instructed to resubmit an IBR and if my payments were lower, they could forgive my past due. Why was this not an option the first time, I do not know, but instead my payments increased then to {$120.00} and still " no past due deferment ''. Which made my situation even worse than before. I am a single mom, with a XXXX child, other than sacrificing her care by being gone more than XXXX hours a week, I am simply unable to meet their demand for {$1300.00} past due by XX/XX/XXXX in addition to the increased payment from {$57.00} to {$120.00}. They would not allow me to cancel the last IBR request that they suggested that would help me and it only harmed my current situation. I have a student loan debt for {$30000.00} + w/an 8 % interest rate and I am XXXX years old. The degree is a travel management degree from a private school that shut down shortly after my graduation. The degree is essentially worthless because it is non-accredited, the school is non-existent. The Student Assistant Foundation in Montana has not offered any solutions that have helped, only made my situation worse and said to look forward to continued calls and even more fees after default occurs. I have asked the ombudsman for help and they offered no solution or help on their end. I feel like I am in a no win situation and soon they will garnish my wages and take my taxes every year once this default occurs. I have no faith in the system at all. I know that I can make their {$57.00} payment, and even make their {$120.00} demand but I can not simply come up with {$1300.00} by XX/XX/XXXX. I need someone to help me figure out a way, if I had n't had to file for bankruptcy and divorce all in one year, I may have had an opportunity to stay on top of this, but it was n't an option for me unfortunately.
Product: Mortgage

I have a mortgage serviced by Citizens Bank. I fell behind on my mortgage in XXXX due to my car becoming irreparable. When I got behind, I spoke with the mortgage department and requested an application for mortgage assistance. I received the forms and submitted them to the website indicated, loansolutioncenter.com, on XX/XX/XXXX. I never received any information from them, so I called back in early XXXX and was told it had not been reviewed yet. I still did not hear anything in XXXX, so I called back again. On XX/XX/XXXX, I made a mortgage payment for one month, and was told I needed to submit additional information including sending one page of the application with a new date on it. I again submitted all this to the website. My information was reviewed on XX/XX/XXXX, and it was noted that I was missing documents. I only discovered this after going back to the website about a week later. 
I uploaded all the required documents on XX/XX/XXXX. I called back on the evening of XX/XX/XXXX after not hearing anything. I was told the documents sometimes took several days to show up when upload to that website. They could see the documents, and I was told my documents would have to be reviewed by someone in loss mitigation. My documents were reviewed by someone on XX/XX/XXXX and it was noted there was still missing information. I uploaded the required documents on XX/XX/XXXX and again on XX/XX/XXXX because the documents did not show as uploaded. On the XXXX, I did a screenshot to prove I had uploaded it as documents seemed to disappear from the site several times. 
I called again on XX/XX/XXXX and was told my case had been closed out of loss mitigation because they had not received the missing forms. I was told to email the forms to XXXX and call back after 24 hours. I emailed the forms on XX/XX/XXXX at XXXX XXXX and called back at XXXX XXXX  on XX/XX/XXXX. I was then told the forms took 3-5 business days to be reviewed by someone in the documents department, and they would then be put in the system and told to call back Monday, XX/XX/XXXX. I requested to speak to a supervisor and was told they would not have any additional information until the documents department reviewed the email. I then requested to speak to someone in the documents department and was put on hold for about 4 minutes. There was not anyone available in the document department, would I like her to schedule a call back? I did request a call back and as of 1 hours later, I still have not heard anything. 
This has caused a great amount of stress. I am able to make the regular monthly payment at this point but can not pay the full amount it arrears to bring the loan current. I tried to get this resolved before I was even 30 days late in XXXX. It is now XXXX and I am worried about having my house foreclosed on despite being able to start making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3400.00} ), ( XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2200.00} ), DEPT OF XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX, XXXX is sending me collection notices in the mail on behalf of PayPal to collect on my Pay in XXXX acccount. I believe this is fraud. I dont owe PayPal any money and while I have a PayPal account I do not have a Pay in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX
Product: Student loan

I have enrolled into XXXX XXXX XXXX because I was told I would be able to get a job right after my XXXX XXXX in XXXX. That did not happen. In XXXX, I worked hard and received my XXXX XXXX. After my XXXX, I requested to change my major and my field of study and was denied. Due to that, in XXXX, I started working for my XXXX XXXX with no other choice. I was not able to complete a class with a grade that they wanted, so the University kicked me out with only a half or a quarter credit left on my XXXX. I have never been able to find a job with any of my degrees. Now, I am homeless doing my best to find a solution to not have my wife and I on the streets this winter. Unfortunately, I can not work in any hard or medium labor jobs that don't require degrees due to XXXX, XXXX, XXXX, and many more problems resulting from a car accident. I was told years ago that I would not make it to XXXX and without a job or insurance I can't even find a doctor who will help me with my health. Without the doctor, Social Security XXXX keeps denying me for benefits due to lack of medical records that last 6 months. Without having any job or form of income, minus my wife 's social security for her XXXX , I am unable to care for myself or my family. With only my wife 's Social Security ( {$790.00} ), my credit report dragged down with student loans, and unable to find a job I can do in my field, we can't even get into the lowest form of trailer park that's only {$400.00} a month, which was our last hope before winter. If I pass away sometime soon, my wife would have to deal with the {$100000.00} of FedLoan debt because I was scammed when I was younger and believed the promise of a job which would of lead to a good life for my family and I. I feel useless and less of a man for it and wish I could change a lot that happened in my life so my family and I are not on the streets anymore and I can make sure there is always " bacon '' in the fridge because I should have been " bringing home the bacon '' and supporting my family with my degrees. Thank you for taking the time to check this out. I appreciate this a lot.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that its some illegally reporting inaccurate information about me. The following is listed as a collection with PAST DUE balance of : {$240000.00}. 
XXXX XXXX XXXX Acct # XXXX {$110000.00} XXXX XXXX XXXX Acct # XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX This a violation of the FCRA and is also in in violation of requisite XXXX XXXX Compliance reporting standards. Accordingnto the Fair Credit Reporting Act I have the right to a fair and accurate report, therefore any information that is not true, accurate and verifiable is required to be removed thank you for your time and understanding. 

With Great Sincerity, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX was filed and CFPB received the response from Equifax and they did not investigate these accounts that are reporting in error and fraudulent. 

CFPB, FTC and FCRA needs to regulate its authority over Equifax, XXXX and XXXX XXXX for responding with false statements that say theyre investigating errors on credit reports. 

ATTACHED IS LETTERS PROVING THEY DID NOT INVESTIGATE! 

XXXX XXXX is reporting a fraudulent account on my credit report and its been 45 days since my second letter demanding them to prove that the account belongs to me and they have not responded, XXXX XXXX did respond and closed the fraudulent claim. The US Dept of Education accounts are closed but still reporting the fraudulent accounts on my credit report. Equifax refuses to follow the FCRA guidelines and investigate fraud and errors. I will provide each letter I have received from creditors to prove Equifax DID NOT INVESTIGATE.
Product: Money transfer, virtual currency, or money service

A person reached me out in XXXX XXXX to sell me a bag I was looking for. This person 's name is XXXX. I know there's XXXX in my XXXX XXXX, but unfortunately, it is an identity theft of XXXX XXXX that pretended to be her. I paid {$5000.00} to scammers Paypal through friends family transfer not knowing its the ID thrift s account. I contacted the real XXXX and found out it was a scam. She never contacted me. It was someone using her name and copying her XXXX account. I immediately send the money request to the scammer 's account to try to reserve. It didn't work. I contacted PayPal and my bank to hold the fund since its still on hold status at the scammer Paypal side. The scammer tried to call me on XXXX XXXX. I didn't answer. I called Paypal and XXXX XXXX to stop the fraud before it went through on XXXX. Unfortunately no customer service opened after hours. The fund was from both my PayPal balance ( {$1900.00} ) + bank savings ( XXXX ). I contacted my bank to restrict my bank before money was requested from Paypal. I filed a dispute ( XXXX ) on XXXX with PayPal but got denied XXXX XX/XX/XXXX since they said they do not liability with personal transfer even if it is a fraud and will not hold funds. The fund just went through today on XX/XX/XXXX. It is very disappointing because I contacted right away at that point. This person is not the person I intend to transfer money to. This person used a fake ID and name. I do not understand Paypal has the power to hold the fund and invest on suspicious accounts but it didn't. The receipt is a criminal. Paypal said the fund will charge me back as a negative account. I do not want to pay Paypal anymore. I wish to get my fundsback. I have tried everything I can and provide all information to the bank and Paypal. I filed the police report : XXXX with XXXX XXXX on XX/XX/XXXX. Please justify and stop this criminal. Thanks. 

PS. 
Another victim : From the XXXX XXXX, on XX/XX/XXXX, another victim XXXX also got into the fraud with the same scammer to the same Paypal account using the same way. But due to my dispute, the scammer 's Paypal transaction didn't go through. The scammer gave her another bank account to transfer money via XXXX ( for a purchase of a goods ). Scammer provides the address and bank account number to receive money ( {$4700.00} ) from XXXX successfully. XXXX contacted me because the real XXXX told her I am also a victim. The real XXXX is filing identity theft. XXXX gave me the scammer 's bank info- Name : XXXX XXXX XXXX XXXX : XXXX address : XXXX XXXX XXXX, XXXX XXXX, XXXX. postal : XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report entry but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of faulty credit reporting and I write to dispute these items in my file resulting from the said issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an inaccurate credit report data : XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX  Bankruptcy Date Filed/Reported :XX/XX/2015 Reference # XXXX =======Equifax XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2015 Reference # XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Employer - XXXX MINKS XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX GRT XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Dear Sir/Madam : I am writing to officially file a complaint against a company that has scammed me and, evidently, countless others. 

On XX/XX/2022, we were scammed by a company that called themselves XXXX XXXX XXXX. The product they were selling was a travel membership which included hotel, cruise line, airline tickets, and group offers for travel around the world. During their sales presentation, they also offered to help us sell our time share. There was a large amount of pressure applied and it was presented as a limited time offer, so we accepted the sales pitch and paid their {$3900.00} fee. When we left their office and had internet connection, I googled the company name and found that there were many reviews that identified the company as a scam. ( Please see the links below. ) After learning this, we went back to their office and, after much discussion, were eventually able to get a refund, less {$50.00} for a meal voucher they had given us. They had charged our XXXX, so when they said they would give us a refund, we also called XXXX and disputed the charges as a scam. XXXX notified us that the charges had been refunded and we thought that was the end of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today, XX/XX/2022, we received a collection notice from Monterey Financial Services, LLC, requesting that we pay the {$3900.00} XXXX The collection is for a company called XXXX XXXX XXXX, which is the third name that we know of that the company has used. All three of the company names have both XXXX XXXX and XXXX addresses. 

I am also providing the links where I found that it was a scam. It appears that this has happened to many different visitors to XXXX. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX Thank you for in advance for your attention to this matter. I can be reached at this email address or at the phone number below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I filed a dispute with Chex systems informing them that an account that has been reported to them under my name and social security number should be deleted from my report and from their database due to the fact that this debt was incurred prior to my Official Bankruptcy filing date which had occurred on XX/XX/2022. They responded with a letter stating that they refused to remove this negative account information from my report because the Financial Institution that had reported this information to them had reported this information to Chex systems AFTER the date of filing of my Bankruptcy. They are wrong about why they had justified to keep this negative and damaging account information in their database and to continue to report this information after I brought the issue to their attention. It is against the Federal Bankruptcy Laws to continue to report an owed balance and to keep this information on my credit report because it does not matter when the financial institution ends up getting around to sending their information over to Chex systems, but the date they should be concerned about is when the actually debt had been incurred and then if it was prior to the date of the bankruptcy being filed, they should remove this information from my report with them and update their database to reflect that this is the case. However, if the debt was incurred after the bankruptcy filing date with the Federal Courts, then by all means, keep reporting this information. This is not the case however, in my situation because the balance was incurred prior to the bankruptcy filing and thus should be removed at once and without failure because if they don't, they are now in violation of several bankruptcy and other federal laws that govern this particular issue. The FINANCIAL INSTITUTION that had reported this negative information to Chex Systems is : XXXX XXXX XXXX XXXX.
Product: Bank account or service

I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ...
Product: Debt collection

I recieved a phone call from Comenity Bank on XX/XX/XXXX at XXXX XXXX  ( which I believe is too late at night for them to call as well ) I had already asked them to stop calling me and worked out a payment plan.
Product: Credit reporting or other personal consumer reports

They said they would remove fraud inquiries from my account they even sent a letter saying it was off but they left them on.
Product: Mortgage

Loancare who is servicing my mortgage failed to pay my property taxes on time and paid one month late causing a late fee of {$180.00}. I spoke to the XXXX XXXX County Assessor office and they verified the information.