23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Mohela reported that through PSLF loan forgiveness that my student loans were forgiven. The report I got said credit back to XX/XX/2022 however they were just discharged in XXXX reported that I had XXXX of XXXX needed. 

I have been waiting for them to update the 3 credit Bureaus that $ XXXX in school loans have been forgiven, however my credit reports don't reflect it. I want the process expedited. I have read stories of people waiting 3 months or more.
Product: Debt collection

I am being continuously contacted by XXXX XXXX XXXX. I spoke to a company representative on XX/XX/2023 XXXX XXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the Better Business Bureau. The company that XXXX XXXX XXXX is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to XXXX XXXX XXXX to cease and desist phone calls to myself again.
Product: Credit card or prepaid card

I was booking hotel reservation through XXXX XXXX XXXX ( XXXX ) Mobile App and I was presented with offer to apply for XXXX XXXX XXXX Credit Card provided by Chase that will allow me to earn XXXX bonus points and {$200.00} credit statement if I spend {$3000.00} in first 3 months ( I have all the proofs in screenshot format ). Considering this as a good offer, I applied for the credit card and was approved for it. After receiving my credit card, I spent approximately {$4500.00} in first 3 months. But as a bonus I received only XXXX points and {$200.00} credit statement. I reached out to XXXX Customer Service to question about remaining XXXX bonus points and they are of no help as there is finger pointing between XXXX and Chase. I explained to XXXX that I applied to this offer through their XXXX XXXX App and they are responsible for advertising it ; but they are not willing to resolve this issue. This is a fraud that they are offering one thing and delivering another thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

US department of education XXXX It says owed {$2300.00}. I did not authorize this account. I dont know who opened this account in my name.
Product: Student loan

On XX/XX/year>, I submitted a request to switch payment plans. I have not received confirmation that they have received my request, much less that the request is being processed. I have also not received notification that my account has been placed in a transition/processing forbearance. 
At first my request was not reflected on my online account. When I called, they had no information as to why the request was not appearing. They could only guess that it was because applications were not being processed at the time, which was not accurate information anyway. Eventually the request did appear on my account ; however, nothing has been done with it since.
Product: Checking or savings account

My checking and savings account under Chase Bank have been frozen for nearly a year. There had been nearly {$1000.00} balance in the accounts which I am unable to access, and whenever I call to check about this, I am transferred to a department who does not provide me any information other than that my accounts are under investigation. I am not sure how I can get my money back from Chase Bank or what sort of investigation may be happening that has taken nearly a year and still has no resolution. Furthermore, I was promised to receive a {$300.00} checking account bonus + {$300.00} savings account bonus, which I never received due to the accounts being frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I have persistently been in disputes with XXXX, XXXX and Equifax along with XXXX collection agency in regards to reporting an invalidated account.Every month since initial contact in XXXX all three credit bureaus states that " they '' have verified the debt. This is impossible! Reason being is that I have sent certified letters to XXXX to fully comply with a validation of debt in the amount of {$1400.00} and also just because this account is damaging my credit file, I have requested twice by letter for a settlement. Till this day, XXXX has ignored all my letters and only respond by telling me that they purchase this account following by billing statements dated from XXXX XXXX, XXXX with balance of {$3300.00} to XXXX XXXX, XXXX with a balance of {$4200.00}. This week I have sent all three credit bureaus an online dispute for immediate removal due to the fact that Portfolio is in violation of the Fair Debt Collection Practices and that they have FAILED to submit specific supporting documents as requested by consumer such as ; signed contract, payment history, proof of purchase from original creditor, etc. Secondly, it is absolutely unfair for XXXX and the credit bureaus to continue to report this collection after numerous attempts to settle have been made and the request for validation has not been validated! Either agree to settle Or STOP REPORTING!! It is so obvious that XXXX will not and can not validate this debt lawfully so the credit bureaus must delete immediately! Additionally, if the last billing statement balance is {$4000.00}, then how and why are you reporting {$1400.00}? Where 's the payment history? Where did this amount come from? Again, how did the credit bureaus validate this amount? Answer is, the credit bureaus did NOT investigate properly and reporting illegally. Enclose I am attaching all letters sent to XXXX and the letter and billing statements they sent me. Please accept this as burden of proof that I have done all that I know to do in efforts to resolve this matter as it has crucially affected my ability to show creditworthiness to other potential creditors and has exhausted me physically and mentally.
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 time and time again, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

`In accordance with the Fair Credit 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, 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. 1681 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 or 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

XXXX XXXX XXXX Credit Card is still reporting to Transunion this account. I was only an authorized user and the report shows a missed payment. They were informed to remove me as an authorized user months ago! 

This missed payment reporting of a card in which I have no connection with is damaging my credit. XXXX XXXX knows this too! I want it removed immediately. I do not want a response that is meant to creditsplain to me how credit works, how their company works, or any other manner of deflection. 

I am asking that the CFPB mediate here and take action, not just close the case as done time and again. To be clear, the XXXX XXXX XXXX Credit Card is not mine, was reported so months ago, and I want it removed effective immediately from Transunion.
Product: Checking or savings account

On XX/XX/XXXX, Chime bank suspended my account without explanation. I contacted Chime bank initially on XX/XX/XXXX once I realized I could not access my account. They requested from me some verifying documents to prove my identity such as Drivers licence, proof of address, social security number, etc. I sent the information to their email ( XXXX ) and was told my account should be unlocked within XXXX hours. As of today, XX/XX/XXXX, my account is still lock with no resolution or explanation in site. This has caused me financial damages as I deposited my savings into this account which I can not access. I am facing eviction, I can not keep up with my credit card bills which will ruin my credit and most of all, its caused emotional distress. Im on the phone with Chime every single day to try to get answers or most of all, get access to MY MONEY, and i keep getting the same response ( they are looking into it ). I feel as though I am being robbed. Please help me.
Product: Checking or savings account

On XX/XX/XXXX I received a text message that my CHIME BANK ACCOUNT phone number had been changed to a number I do not recognize. I have had CHIME since 2018 and have never, ever changed my information. I spent 45 minutes attempting to get back into my account, which I was able to do with my email address only. 

Once I was in my account, I saw ALL OF MY FUNDS had been transferred fraudulently to a different CHIME account. ALL OF MY MONEY. I called Chime immediately and filed a dispute. They told me that it can take 45 business days and that I'm eligible for a provisional credit but not for TEN BUSINESS DAYS. This is all the money I have in the world and I am unable to feed my family or pay my bills. They will not do anything beyond this to help me. I have filed a complaint with the XXXX as well as a police report as they can see the EXACT chime account it went into along with the person 's name and ACCURATE information. 

They dont seem to care that I am an actual person and this will deeply affect my life and my ability to care for my family. 

I NEED MY MONEY BACK! THIS IS MY LIFE!
Product: Mortgage

Having to deal with this company is by far XXXX of the worst experience I have gone through. I have been trying for over a year to get a modification from this company that keeps giving me the run around. They have lied to me, lost my documents and keep misleading me. I am about to loose my home because of this company. They are not following procedures and something need to be done about this!!. There are over XXXX complains about this company on line, what is it going to take. I am also consulting my lawyer as I will be suing this company. Even an employee voiced their distress and dismay about feeling helpless and unable to help consumer even though he/she is aware of the mishandling, lies, harrassment and fraud going on in this business. There will be a Class action law suit for the pain suffering and lies I have and is still enduring from this company!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX   incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. 
-These account has never been late or had ever been late with another XXXX XXXX in the past. 
-They also failed to notify me at least 21 days prior my due date.

Under U.S Code 1666b, they must do so in written to notify, but had never did so.

Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. 

" The CARES Act, which was signed into law on XX/XX/, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update these erroneous accounts. 

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

I am the co- borrower on our mortgage at Shellpoint Mortgage Servicing XXXX In XXXX the mortgage was removed from my credit report. in XXXX it was placed back on my report. XX/XX/XXXX, It was removed again. Each time this happens my credit score drops XXXX points., I have contacted the mortgage holder by phone & online as instructed by the lender. I have not heard anything back from the lender. Theres at least 4 years left on our mortgage. This is so frustrating as im trying to keep my credit in good standing to make a large much needed purchase. 

My spouse hasnt had it removed from his report. So thats very confusing.
Product: Payday loan, title loan, personal loan, or advance loan

My account was in good standing until I lost my baby and was not working. I contacted the company and was put on a hardship plan for 3 months. Afterwards I contacted them again through email so that I could be set up on a payment arrangement. I contacted them several times through email and phone call. I was told when I called the last time which was XX/XX/XXXX that my account was charged off and payment was due in full and there was nothing that could be done. This is a major inconvenience as I am trying to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have had enough hardship these past couple of months, I lost XXXX XXXX and we just found out that XXXX XXXX XXXX XXXX  I have all medical documents that I can submit. I took a leave of absence from my job but have returned to work. I would like to pay the {$300.00} plus that I owe and set up the remaining balance on a payment plan. I would also like for the charge off to be rescinded. I tried to keep my account in good standing and reached out to the company. This is really unjust to me.
Product: Mortgage

My original loan was with XXXX XXXX.It was sold/transferred to NewRez and that is when the troubles and communication went way out in terms of communication.You call and every effort to talk to a human is a headache.I called today XX/XX/2020 XXXX PST. Finally got a female and asked for a Supervisor.Then she became hesitant. I told her that I was calling about my Escrow charges as the addition of XXXX had been added to my account.The note was going from XXXX to XXXX per month.I would have rather been given the option to pay the difference in a lump some.She then said that they don't take calls only e-mail.I asked for the PMI Department and the response was pretty much the same.My home has gone up in value so I had already written to NewRez c/o XXXX XXXX XXXX, SC XXXXRequesting the PMI to be taken off my loan.She never was able to reach a supervisor meaning that nothing was accomplished.She stated that I would get a call back that never happened,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reported delinquency in XXXX to all credit bureaus while on forbearance causing a large credit score drop. A dispute was entered to all credit bureaus for corrections in XXXX being provided an expected resolution in XXXX. Negative reporting was removed however the amount of credit score deduction was not honored at the same value for credit score correction. I was informed by all credit bureaus that they had no control of the amount adjustment and there was nothing that could be done to rectify the issue. However directed me to the loan servicer which with the situation at hand has not been available to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XXXX. XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Student loan

My student loan balance PRIOR to receiving any refunds was {$8600.00}. I then received a letter from Mohela stating I received a total of {$18000.00} in refunds, & now my current student loan balance says I owe {$30000.00}. This is an incorrect balance. {$8700.00} plus {$18000.00} = XXXX. NOT {$30000.00}! I have tried to fix the issue via phone with Mohela few times without success. I spoke with supervisor XXXX, who said she sees the discrepancy in the balance & would reach out to another dept & call me when she hears back with corrected info. She called me the next week without any new information & said she still sees the discrepancy but will have to send to accounting to fix. My credit score has been negatively impacted by this discrepancy in my total loan balance. I haven't heard anything else regarding Mohela correcting the error. My balance is INCORRECT
Product: Credit reporting or other personal consumer reports

Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on XXXX HAS 90 days & EQ HAS 60 days. last reported dates are wrong & different last payment XXXX HAS XX/XX/year> & EQ HAS XX/XX/year>. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES XXXX XXXX & EQ XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 & 90 days LATE BUT NO LATES IN PAYMENT HISTORY. NEED REMOVED DUE TO INACCURATE INFORMATION 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.
Product: Student loan

XXXX XXXX XXXX  were sued by the federal government for school misconduct. My application for XXXX XXXX XXXX as been denied. After calling the help number XXXXXXXX XXXX  XXXX I was given a vague reason as to why it was denied. " A variety of factors are considered in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge. '' When I asked what type of documentation was missing, I was told that they couldn't share that information. I received no help or additional information on how the application could be addressed. In my initial application I submitted the court documents from XXXX XXXX which clearly lay out the joint complaint. I also attached XXXX  XXXX XXXX XXXX XXXX XXXX Summary which states that borrowers that attended from XX/XX/XXXX to XX/XX/XXXX are eligible for a discharge. ( I attended in XXXX ) I was told by the Mohela representative that I could not speak to anyone who reviews these cases and that she could not give me any information regarding my application. She was only able to state the vague reason for my denial.