23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We consolidated our Student Loans into a spousal consolidation many, many years ago. We have been faithfully paying on them ever since. We did not originally qualify for PSLF because we were not under an income-based repayment plan. Since that condition has been lifted, now we STILL do not qualify because our loans can not be refinanced into a Direct loan because of our spousal consolidation into a FFEL loan. My husband and I both would qualify individually -- he has been working for a non-profit for 23 years, and I have for almost 11. But, because of our consolidation before PSLF was even begun, we do not qualify.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ( EST ) XX/XX/XXXXI received the response to my previous complaint XXXX Paypal Holdings engaged in partially releasing my payment held by them. As I tried to add my bank to withdraw the remaining held payment $ XXXX- their online system refused to let me do the needful.
XXXX XXXX ( EST ) Then I called Paypal and spoke to their representative XXXX who stated that I wo n't be able to withdraw funds before XXXX XXXX 2017.
Once again this is misleading and reprehensible information. They did release {$630.00} but they are obstructing me again for the remaining amount. The total amount according to my original complaint was {$1000.00}. 23 They chose to ignore my complete relief and continued to violate my rights as finance consumer.
I think it 's time CFPB must engage in a collective effort to discard such practices permanently from the US finance market.
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 U.S.C. 1681. 
Office of the attorney general # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. 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 1681 c. ( 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: Student loan

XX/XX/XXXX, my direct loans were transferred to Fed loan servicing after I applied for public service loan forgiveness. I have to make 120 qualifying payments and the rest will be forgiven. So far I have made 6 qualifying payments prior to the pandemic and when the pandemic started I was to have 26 additional qualifying payments added to my account towards loan forgiveness. I received an email that I needed to submit anther PSLF application from my employer to verify that I still qualified. When I log into my account to see what I needed to do, I saw a notification that I needed to consolidate my loans and then submit the new PSLF application from my employer. I was confused so I contacted Fed Loan servicing for assistance. The gentleman the took the call told me that I needed to complete those two things so that the payments could be applied due the COVID 19 pandemic. He also stated the changes will not cause me to start over. Fast forward to XX/XX/XXXX, I see an email that I have new correspondence. When I logged into my account, I saw that all of my qualifying payments disappeared and I was to start over from the beginning for making 120 payments when I was under the impression my 32 should still be there. I immediately called back to customer service to find out why this happened and the rep told that when the consolidation occurred, it wiped out all of my existing payments that were to be applied and it started over as a new loan. She asked me to give her a few moments to check some things only to tell me that there was nothing she could do to change it so I am filling a complaint to get this matter resolved. I feel that this is not fair to me that I am having to start over after being given inaccurate information. I would have never opted to consolidate my loans had I know it would wipe out my 32 qualifying payments towards the 120 needed. I am asking that you please help me get the payments back.
Product: Credit card or prepaid card

I was informed by my ex-wife that all my credit card information was still showing on her credit report. XXXX told her it was showing because Chase was reporting it because she was still listed as an authorized user. I removed her from the account via Chase over 10 years ago. I contacted JPM / Chase who said Id have to call back as that department was closed, though the 2nd rep I talked to did confirm there were no other authorized users on my account. 

I attempted escalate because my data being available to her and being reported to unauthorized 3rd parties ( IE credit bureaus ) that this was kind of a big deal. My account was being used to determine her credit score. The rep did not seem to grasp the severity of private data being shared. I opened a complaint with her on the matter but she said it would take 10-14 days to hear anything. She also would not provide any documentation to me showing a complaint had been opened. She said that document was for internal use only.
Product: Credit reporting or other personal consumer reports

ChexSystems has not provided me access to my account, my report they keep or even a pin that I've requested months ago. 
.Also, I changed my information with the multiple times and they still have my old email and old phone number and they will not change these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I received a report from the lexisnexis company that explained the furnisher of their information was XXXX, and included their contact info. I received the attached email explaining their process for releasing information and how I can see the information being released. I then registered and found that te information that lexisnexis is providing in their report of me is inaccurate and I demand to see the docket report or proof of the information they provided to the national credit bureaus under my name and government issued social security number. the two bankruptcy cases being inaccurately reported under my name is XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

SCHOOLSFIRST FEDERAL CREDIT UNION has fraudulently reported inaccurate information since the year XXXX to the present for two accounts on my consumer report and is now in multiple law violations per IRS and FCRA. 
1 ) Credit Card 2 ) Loan Both of these accounts were charged off by SCHOOLSFIRST FEDERAL FCU, they have failed to follow charge-off procedures per IRS Publication which clearly state a Canceled debt or Charge-off is income and a charge-off is defined as Gross or Ordinary income. Income does not get reported on the consumer report, which makes reporting of these accounts inaccurate and fraudulent. I never received a 1099-C from SCHOOLSFIRST FEDERAL CREDIT UNION for a charge-off/canceled debt of { {$2200.00} } and { {$2700.00} } to file as ordinary income. SCHOOLSFIRST FEDERAL CREDIT UNION wrote the debt off with the IRS and failed to send out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unacceptable! SCHOOLSFIRST FEDERAL CU is now on NOTICE for reporting inaccurate and fraudulent information. SCHOOLSFIRST FEDERAL CU has also violated my privacy by sharing my information with XXXX  a third-party debt collection agency which violates the 1974 Privacy Act as a federally protected consumer. 15 U.S.C 1681 ( a ) ( 4 ) - A consumer has a right to privacy 15 U.S.C 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
SCHOOLS FIRST FEDERAL CU MUST delete all inaccurate accounts because the reporting of those accounts are fraudulent and inaccurate. 
SCHOOLSFIRST FEDERAL CU MUST also pay for violating my consumer rights per FDCPA 15 U.S.C 1692k ( a ) { {$1000.00} } per violation. 
VIOLATIONS : PRIVACY- {$1000.00} 2- INACCURATE AND FRAUDULENT ACCOUNTS - {$1000.00} X 2 = {$2000.00} SCREENSHOTS IRS Publications 1099-A showing information you need to figure your gain or loss from the abandonment. Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. 

Civil liability ( FDCPA ) Consumers can sue debt collectors for damages in private right of action litigation. If the consumer proves a violation, they may be awarded up to {$1000.00} in statutory damages per lawsuit, plus actual damages and reimbursement for attorney 's fees and costs. Actual damages may include compensation for emotional distress, fear, anxiety, humiliation, stress, and sleeplessness, but the consumer must prove these damages.
Product: Credit card or prepaid card

I have had the account in question for years. My credit limit has gone up and I have made payments always ahead of time and always for more then the amount due. After years with Paypal credit card run by Synchrony Bank  on XX/XX/XXXX they closed my account. I had over {$3700.00} dollars in reward money that I had been accruing since I first opened the card. When I contacted the company they said there is no answer as to why my account was closed. I asked for it to be reopened and was denied. I then asked for my money to be sent to me and they said no. This was XXXX percent their way of not having to pay me. Kept saying to me that a letter was sent and when I got letter it made no sense.
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 U.S.C 1681 08 XXXX XXXX XXXX XXXX ( XXXX AND XXXX XXXX ) Account # : XXXX has violated my rights. XXXX XXXX {$880.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights XXXX XXXX {$960.00} Date Opened : XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights XXXX XXXX {$790.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX  ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX ( Auto ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Miscellaneous ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section : 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my XXXX consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my XXXX consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
AMER HONDA XXXX Date OpenedXXXX Balance : {$0.00}, AM HONDA FIN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

I have tried repeatedly to reach this company as I have three loans in hope of some relief as my two retail shops are closed. I have no income. When I fill out form I get no response and cant get through phone lines. Today I receive this info : They are giving no relief only allow you to use a 15 day grace period. They are reporting to credit bureaus. 

XXXX! Make this company offer relief. If my government nails this company y out I will revolt like you have never seen Enough I had good credit before this get no relief for my business was and now this
Product: Debt collection

To whom it may concern : My identity was compromised and I do not recognize this collection account on my credit report.
Product: Credit reporting or other personal consumer reports

I rented a house from the XXXX XXXX from XX/XX/XXXX to maybe XXXX of XXXX more or less ; however I had experienced a sewer over load from the moment I moved in. As i sat on my porch i would spell the raw sewage and went to investigate and noticed that there was a sewage overload in the back yard. I've complained to the Mgt. company to come and fix the issue, when they finally did fix the issue, they've incurred the cost onto me. I found this very unimaginable since I was not responsible for the issue, when I expressed my concern i was treated like an outsider, XXXX was assigned to me and he never answered any of my calls to resolve this issue, they would not take my rent if it didn't include the {$500.00} fee from fixing the backed up sewer and I was told if I'm not going to include the XXXX plus my rent of XXXX to get out, so I sought legal advice, a court date was issued, they did not show up for court. the judge ruled in my favor. I was told to leave the premises after that, and i did. One month later they have issued this on my credit report. I'd like to have this removed completely from my credit file, this will ruin any chances of me trying to rent any affordable apartments in the future.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I received an alert of a new inquiry on my XXXX credit report. I contacted XXXX and let them know that I had not authorized an inquiry on my credit report and that when the inquiry took place ( XX/XX/XXXX  ) I was on a cruise ( XX/XX/XXXX  - XX/XX/XXXX  ). XXXX told me they could not remove anything from my Credit Report and that I should contact the Creditor to have them reverse/correct the inquiry. The only other way would be with a report of identity theft/fraud from the FTC. 
XXXX provided me the contact information of the creditor available to them ... Westlake Service Inc XXXX. The date of the inquiry was XX/XX/. 
I contacted the company by phone. The person I spoke with told me their Credit Inquiry Dispute department did not speak to anyone on the phone and I would need to send them an email to XXXX which I did. After several back and forth communications and me providing all the information available to me they said : " Your inquiry # XXXX has been updated. 
Unfortunately, after researching our systems, Westlake Financial was unable to find the inquiry. Please provide more information or a snippet of our inquiry for further assistance. '' I contacted the FTC at the number provided through Identitytheft.gov and the person I spoke with said they couldn't open a report unless an account was successfully opened. I contacted XXXX again and the person I spoke with said they have had people get reports for the same inquiry problem from the FTC through reportfraud.ftc.gov. That is where I have submitted this request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, 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 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 then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My father did a reverse mortgage in XX/XX/XXXX on the house and 1 acre of the 9 acre track he owned. He passed away XX/XX/XXXX. At this time we started working to secure the property from the PHH reverse mortgage. After them sending out an appraiser and appraising the incorrect part of the property that was not part of the reverse mortgage we got notice they were foreclosing. We spent from XXXX trying to get this settled to no avail. In XX/XX/XXXX our Realtor, XXXX XXXX with XXXX XXXX contacted us to offer her help. She submitted the short sale packet XX/XX/XXXX and PHH mortgage accepted it and ordered the new updated appraisal. The appraisal came in XX/XX/XXXX in the amount of $ XXXX. We had a buyer in place to accept the property for that amount and started moving forward. Appraisal was ordered by the buyers lender and buyers file was submitted for underwriting. We received the buyer initial underwriting and waiting on the lenders appraisal to be turned back in. We needed to XX/XX/XXXX to get this transaction closed. The Loss Mitigation Specialist emailed and said she was requesting that the investor extend the foreclosure date to XX/XX/XXXX. We explained we just needed through XX/XX/XXXX to get this closed not XX/XX/XXXX. She came back and stated the investor wouldn't extend till XX/XX/XXXX. If they would just give us to XX/XX/XXXX to close this that would be extremely helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX from XXXX XXXX who verbalized over the phone though I requested in writing a copy of documents utilized for disputes for inaccuracies collection accounts, address inaccuracies, employment information, and prevention from accessing my electronic credit file. XXXX and stated that we are not going to give this information, we do not utilized any particular documents to validate debts reported, and that you can subpoena them if I wanted any information. The negligence and malicious management of XXXX as well as there abuse for management of my credit file has result in years of damage to my credit reputation. They continue to violate my consumer rights according to FCRA and do not properly investigate disputes or inaccuracies. 


After speaking with XXXX a dispute specialist with Experian, she also failed to explain how my disputes for inaccuracies were properly investigated and how they were closed with minutes apart after submitting information that proves the inaccuracies should be deleted. I have submitted more than 3 disputes for collection accounts, address inaccuracies, other personal information, and employment information that is inaccurate. I also submitted a certified letter to correct these inaccuracies in XX/XX/2021 with a copy of my identification.
Product: Debt or credit management

The company is Beyond Finance.

I was led to believe this was similar to a debt consolidation. They would negotiate and settle payments with my creditors for a monthly deposit. After months of deposits from me, I still have creditors calling, and my credit score has dropped immensely and I have been paying them over {$200.00} extra for a service fee. Had I had known this would happen, I never would have reached out to them to help with my financial situation.