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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have ~ {$330000.00} worth of student loans serviced by FedLoan Servicing. I am in the Income Based Repayment Plan. I had my taxes prepared by an accountant, and finally received my Adjusted Gross Income amount, required by FedLoan Servicing in order to submit annual recertification of income for IBR, in mid XX/XX/XXXX. I then went online to submit the recertification of income, but the StudentLoans.gov website was not working properly and was not linking to the IRS. As of today, it still is n't working correctly by the way. Because of this, I had to mail my forms in. I post-marked them on XX/XX/XXXX, and they were received ( reportedly ) by FedLoan Servicing on XX/XX/XXXX. I have a letter stating that they needed to receive the paperwork within 10 days of XX/XX/XXXX. Well, mail ca n't arrive on Sundays, and XX/XX/XXXX is well within 10 business days of XX/XX/XXXX. I would n't even be in this situation if the website was working correctly. They capitalized my ~ {$57000.00} of interest on the loans and increased my monthly payment amount, even though they still have my forms and are " processing them. ''
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. 

XXXXXXXX XXXX : XXXX, has violated my rights. 

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

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

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my XXXX loans Please see the following accounts below : US. Dept of Education account # XXXX - Balance - {$8.00} - Status- ( Paid ) U.S. Dept of Education account # XXXX - Balance - {$2.00} - Status - ( Paid ) US . Dept of Education account # XXXX - Balance - {$12.00} - Status - ( Paid ) U.S. Dept of Education account # XXXX -Balance - {$2.00} - status ( Paid ) There are three other XXXX loans where are reporting inaccuracies as well. 

Please see supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Rent Recovery Solutions is not the original creditor and purchased my information illegally and must have my written consent to purchase my information witch they did not do Once again i have mailed this company a notarized affidavit ( XXXX XXXX XXXX XXXX XXXX ) with all violations and each carries a {$1000.00} fine, 15 USC 1681B PURMISIPLE PURPOSE ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to Equifax, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX Credit Bureaus has fail to do an accurate and fair investigation on my XXXX XXXX XXXX dispute. XXXX XXXX XXXX filed a 1099C and has stop all collections/ forgiven this account. This account is no longer a debt, It was claimed as income for 2022 tax year. XXXX has already deleted this account, but Experian XXXX XXXX has falsified information on their investigation. Income is not suppose to be report on a consumer credit report. 

Internal Revenue Service ( IRS ) Publication 525, " Taxable and Nontaxable Income, '' In general, a Form 1099-C, Cancellation of Debt, is used to report canceled or forgiven debts. The IRS generally considers canceled debt as taxable income, with certain exceptions. If a creditor cancels a debt you owe of {$600.00} or more, they are required to file Form 1099-C with the IRS and provide you a copy. The amount of canceled debt reported on Form 1099-C is generally included in your gross income, which means it may be subject to income tax. 

However, there are some situations where canceled debt may be excluded from taxable income. These exceptions include : Debt canceled in a bankruptcy proceeding. 
Debt canceled when you were insolvent ( your liabilities exceeded your assets ). 
Certain farm indebtedness. 
Non-recourse loans ( loans for which the lender 's only recourse in case of default is to repossess the property that serves as collateral ). 
Qualified principal residence indebtedness ( canceled mortgage debt on your main home ). 
These exceptions and their specific requirements are detailed in IRS guidelines and should be reviewed carefully to determine if they apply to your situation.
Product: Mortgage

My mortgage was paid in full last year but the mortgage company has failed to file a lien satisfaction letter. l am experiencing tremendous financial hardship as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a whole bunch of old Addresses on my credit report from Experian that they did not want to take off. I have never lived at the addresses. The addresses do not show on XXXX XXXX or XXXX. I have taken action against Experian by trying to file disputes but they were not having it
Product: Money transfer, virtual currency, or money service

I opened up a PayPal account years ago never had a problem until About 2 years ago It's a fully verified account I meand I have been fully verified through PayPalLike I said really don't know why they won't release my money. At 1st I was told to wait for the email after the 180 days And usually and I would be able to withdraw all my funds then I waited and I waited and I waited no email ever came in the beginning the representatives did all they could they tried to withdraw they tried to move it wouldn't happen So then I started complaining to their dispute person And I ended up receiving letter stating that PayPal was never going to release my money. Their company is nothing but a scam Come to find out that is how PayPal makes its money is by putting ahold on people 's accounts and then Gambling with that money we're investing it. So anyway they can't just keep my money And this should be posted people need to be aware of what a scam PayPal is Because from what I've heard they have changed their fine print in it basically States in their contracts if they can keep their money people need to be aware of this PayPal does not make money Anyway but putting ahold on your accoand then gambling with your money. They have {$2100.00} of mine I want it all back. On XX/XX/XXXX and XX/XX/XXXX of XXXX Have received payments from 2 of my clients for work that I had done I transferred XXXX out to my debit card let 's see othere are XXXX in there And it wasn't shortly after that that they limited my account and then permanently locked it and I was told after a 180 days I could get it out that never happened then I was sent a letter stating that they were never going to give me my money back The account is under XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep aggravation and dismay with the ongoing bogus accounts on my credit report. I've noticed that, in spite of my best efforts, there hasn't been a suitable resolution to this problem. My financial reputation is being harmed by this circumstance, but it is also seriously upsetting me emotionally. 
I want to emphasize that I take this matter very seriously, and I am prepared to escalate this issue through legal channels if necessary to protect my rights and ensure justice is served. I trust that your bureau will act swiftly and decisively to resolve this matter, as any further delay is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX   keeps advertising this XXXX  program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.
Product: Mortgage

I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017
Product: Credit card or prepaid card

I was in XX/XX/XXXXand almost {$3500.00} was take and charged to my card. I sent in all of the information and proof that is was not me and that my card was stolen and that I was in the XXXX XXXXXX/XX/XXXXand they refused to give me my money back. I have tried everything but driving from XXXX XXXX Texas up to XXXX Texas where the NetSpend corporation is located. They still have not sent me my new debit card in the mail and my next Check department of veterans affairs check will be deposited on the XXXX of this month and I will have to transfer my money to the card I had to go out and buy because is was the only early I could have access to my money and not all of it at that because you are only able to transfer so much in a week and I have 2 checks from the government that go to that account. You would think that after being a customer for 17 years that the would want to take care of a loyal customer but nope they won't even let me talk to the fraud department of anyone higher than the customer service department. I just want my money back I was XX/XX/XXXX for over a month because of this and I had to XX/XX/XXXX and XX/XX/XXXX and that is no way for a combat veteran to live. All I'm asking for is my money that was stolen from me and was reported as soon as I got out of jail back to me because you can look for yourself on the XXXX XXXX Texas website that I was XX/XX/XXXXduring the time the charges were made. I would appreciate your help in this matter. Be The charges in question go from XXXX to XX/XX/XXXX. Please help with what you can as I'm loosing everything due to the loss of this money. Like I said I lost My house I lost my Truck I lost my wife and I lost my children all due to NetSpend not giving me my money back. I'm still trying to recover and I'm having to live with my granddaughter because I lost everything else and it is very embarrassing and degrading to be a XXXX year old man having to live with your Granddaughter. I also have screen shots of my mobile app showing the charges and all they would have to do is look at the video footage a d they would've seen clearly that the charges were not made by me. You will have to look my account up by my SSN because thay have not sent me a new card and I ordered a new XXXX when I made the report the day I got out ofXX/XX/XXXX. My XXXX is XXXX and I have to accounts here is the account number if it will help. The account number is XXXX. I have been a customer since XX/XX/XXXX and this is not how you treat a loyal customer or a combat veteran in any way shape or form!!! Please help. I can be be reached on any of my contacts below. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information appearing on my credit reports issued by Equifax in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This account was previously identified as fraudulent and was removed from my credit reports in or around XX/XX/year>. However, it appears that the information has been reinserted or is still being reported inaccurately, causing undue harm to my credit standing. As this account was the result of identity theft, it should not be reported on my credit file under any circumstances. 

I have taken the following steps to resolve this issue : Notified bureaus of the fraudulent nature of the account. 

Provided documentation supporting my claim of identity theft, including a police report and relevant correspondence from XX/XX/year> confirming the accounts removal. 

Submitted additional evidence to demonstrate that I was not responsible for the account. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), the reinsertion of previously disputed and removed information requires that the furnisher provide certified documentation of its accuracy, which I believe has not been provided in this case. I respectfully request that the CFPB investigate the reporting of this account and ensure that the credit bureaus comply with their obligations under the FCRA.
Product: Debt collection

PayPal is requesting a payment of {$440.00} which was made on XX/XX/year> and they indicate that they did not receive it. I have the bank statement where it appears debited from the account and also an official letter from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company failed to notify me and did not update my address but statements reflected old address. In addition, I made required payments for XX/XX/2020 and was reported late, the company agreed to reverse fees and that I would not be reported late after they made a clerical error by processing a payment that was not authorized from a former account, I then made a payment exceeding the amount that was requested of XXXX, however the representatives have failed to make good on this consistently and affecting my credit negatively. In addition they failed to provide correct data so that I can file a lawsuit.
Product: Credit reporting or other personal consumer reports

I will like to remove these companies from my report they have unauthorized to use my info in my credit report I didnt authorize them.
Product: Mortgage

My mortgage was placed into forbearance by my mortgage service agency, PHH Mortgage, without my authorization. I called the customer service line on XXXX XXXX to inquire about the forbearance options related to COVID-19. The representative asked if I wanted to have my mortgage put into  forbearance, and I explicitly told him that I did not want to proceed with that option at the time of the call ( and would call back if I did want to proceed ). I then received a letter a few days later indicating that the loan had in fact been placed in forbearance. I subsequently learned that this could have negative consequences for my ability to take out a new loan and/or for my credit score. I have contacted PHH to end the forbearance ( which is now complete ) and to restart my payments. I am very concerned about this increasing the interest rate if I were to purchase a new home in the coming year. I am not happy. Thanks for your help.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XXXX customer requested my service and paid me using PayPal. She signed the waiver form for the service, which includes a " no refund '' policy. She received the service on XX/XX/XXXX, and she emailed me right away thanking me and telling me that " XXXX was a successful day. '' XX/XX/XXXX, after over 6 months, she made a false claim to her credit company, XXXX Bank, stating that she didn't recognize the charge. PayPal sent me a notice and I submitted her signed waiver form and a screenshot of my XXXX showing her appointments to dispute her fraudulent claim. 

XX/XX/XXXX, PayPal closed the case saying, " The case was closed in the buyer 's favor as the proof of delivery you provided was invalid. '' I called PayPal and the PayPal rep agreed with me that my documents were very valid and PayPal would contact XXXX Bank to fight for me. 

XX/XX/XXXX, the very next day, PayPal closed the case and back charged me with a fee. 

The buyer signed the form for my service. How can PayPal say that her signed form is invalid to prove she was fully aware? 

I called PayPal to find out if the case was really investigated, but they told me they had nothing more to do or say because it was the buyer 's cc company 's decision. I requested a proof of communication with XXXX Bank, but they refused. 

The buyer made a false statement to gain money unlawfully. XXXX is a crime. PayPal is committing a crime by supporting her crime. 

PayPal is a fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, when I checked my credit profile, I noticed there was a collection account from Midland Credit Management. The account balance is {$1000.00}, accounting to my credit profile. I dont know this company and have no business with them. I asked for information regarding this and never received any response from them at all. I never even received a bill from them.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan on Upstart 's website on XX/XX/2022, after receiving several correspondence from the company, informing me that I was pre-approved. That same day I was preliminarily approved for the loan. On XX/XX/2022 Upstart 's Loan Operations sent me an email requesting my most recent bank statement. I uploaded a copy of the bank statement later that day. On XX/XX/2022 I received an email from The Upstart Team informing me that I was approved for the loan. I was instructed to log into my account to review and accept the final terms. On XX/XX/2022 I logged into my account and submitted the first form. I immediately received a message in my Upstart message box informing me the company was not able to offer the loan to me at this time. I immediately called the company and spoke with a woman named XXXX. When I asked XXXX why I was denied the loan, a day aftyer being told that I was approved, she informed me that they company found a " new loan '' from XXXX XXXX  XXXX XXXX ( " XXXX '' ) on my credit report. I advised XXXX that I obtained the loan from XXXX over a month before I received the loan invitation from Upstart. XXXX said the company can not approve my loan. I then spoke with XXXX 's supervisor, XXXX, and I reiterated what I told XXXX. XXXX put me on hold to check with a Credit Analyst. When XXXX returned to the line she told me that I did not disclose the XXXX XXXX XXXX I informed XXXX that I completed the Upstart application in full and the company checked my credit immediately afterwards. I did not apply for any new loans since applying for the XXXX XXXX XXXX  XXXX said Upstart did not notice the XXXX XXXX XXXX before sending me the loan invitation.