23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX, I had a Chase Sapphire Reserve Card. We cancelled the card at the end of XXXX as it was a travel card, and no one was traveling during the pandemic. One of the charges on the card for a cruise line was refunded. Chase decided to send the refund back to us in the form of a check in the amount of {$19000.00}. 

That check was never cashed and misplaced. When found, after a year, the check was no longer valid and expired. I still have the check in my physical position if needed. I contacted Chase on XX/XX/XXXX, regarding the situation and an Agent from the Payments Team said that I would receive a new check, which I never got. I called again on XX/XX/XXXX, and spoke to Agent XXXX from the Payments Team, who said that he would put a rush on payment, but the check was never received. Finally, I contacted Chase again on XX/XX/XXXX and spoke to Agent XXXX ( they will not provide last names ) from the Payments Team. For whatever reason, Chase can not tell me if another check was ever sent or processed. I indicated to XXXX that would file a claim with CFPB and also explore other options available to me. 

In short, Chase legitimately owes me {$19000.00} but its process and bureaucracy seems unable to process a new check nor inform me of the status. Since the account is closed, Chase seems unable to create a customer service thread, therefore every time I call I need to revisit the entire situation. I really need your help as it is a lot of money and I am not getting anywhere with Chase.Thanks for your consideration asn assistance!
Product: Money transfer, virtual currency, or money service

*The numbers link to the attached pdf of emails. 

On XX/XX/year>, my XXXX account was suspended due to " unusual activity '' linked to my account, as mentioned in an email from XXXX ( XXXX # XXXX ) ( 6 ) ( 2 ). I was asked to provide a picture of my photo identification, which I submitted via their Document Upload Form ( 6 ). Despite complying with their request, my account has remained frozen, and I have been unable to access or withdraw the funds in my account for over XXXX months. 

Since then, I have contacted XXXX multiple times to resolve this issue, including via chat sessions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ( 3 ) ( 5 ) ( 4 ) ( 2 ). In each case, I was informed that my case was being forwarded to a XXXX team, but I have not received any substantive updates or resolution. 

On XX/XX/year>, I received an email stating that XXXX could not provide any further information about why my account remains frozen and that my funds are still unavailable for transfer ( 1 ). 

This ongoing lack of communication and the indefinite freezing of my account has caused significant frustration and concern. I am seeking assistance to regain access to the funds in my XXXX account as soon as possible.
Product: Credit card or prepaid card

Credit card obtained and charged without my knowledge or permission. I only found out about the account after checking my credit report. I had never heard of or nor shopped in the issuing store before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX Transunion and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.
Product: Student loan

My student loans were paid off with Mohela on XX/XX/XXXX. I also made payments in XXXX during the CARES act student loan pause. My goal is to have all student loan payments made during the CARES act pause reinstated to my account so that I may apply for the {$10000.00} in student loan relief. My loans have only been serviced through Mohela for this entire time period. 

XX/XX/XXXX - I submitted a request for a financial summary of all payments made during the CARES act pause. 

XX/XX/XXXX - I called Mohela and requested that all student loan payments made during the CARES act pause starting in XX/XX/XXXX be refunded to my account. I was told this was in progress and it would take 30 - 45 days. I requested written verification be sent to me and they told me they could not do that. 

XX/XX/XXXX - I received the requested summary requested XXXX in my inbox on the Mohela site. It shows the balance going to XXXX for one loan ( that I paid off in XXXX ). For the second loan, it shows no payments after XXXX and does not show the balance going to zero. This loan was paid off in XXXX. The last page says " Financial Activity Summary Continued on Next Letter '' but there is no next page. I can see on their website that my last payment was made in XXXX ( have screenshot ). 

XXXX - I have not received a refund of any payments. I called Mohela and was prompted to enter my account number or SSN. I entered my loan number and the automated calling system is now saying they can not find me in the system and hung up on me. I called again and tried entering my SSN and same thing happened. I then sent a message to Mohela through their communications portal outlining the above. They have not responded. 

XX/XX/XXXX - Tried calling again to see if there was a glitch in the system last week. The automated system gives me the same message that they can not find me in the system via either my loan number or SSN and automatically hangs up. I can still log in through the Mohela website and see all of my account details. 

There is no email address for Mohela on their Contact Us page and they have made it impossible to connect with them. At this time, they are refusing to refund my loan payments made during the CARES act payment pause. These are all federal loans. This is time sensitive due to the deadline for the The XXXX Administrations Student Debt Relief Plan. I am going to lose thousands of dollars due to the fact that they are refusing to comply with both their policy and the law.
Product: Mortgage

I applied for a mortgage application in XXXX of 2020. I applied for a refinance of my primary residence. I provided all the requested documents they needed to approve the loan. We closed on XXXX of XXXX I received documents about some issues about some documents on my loan. I reviewed the documents that was sent and show that my job title application is wrong. It is listed as XXXXt my job title is XXXX XXXX XXXX XXXX. I want to explain to Quicken loans that I provided all the documents they needed to get my loan approved. I did have some issues with uploading some PDF files in the system and thought I would take a picture of the pay stub. I reviewed what sent to me and noticed the bottom portion did not capture. I have attached the original pay stub PDF version. Please keep in mind I changed pay stub providers in the middle of this application process. I was with XXXX  getting direct deposits. I changed to XXXX and did not set up direct deposit. I was trying the new scan feature with my bank and enjoyed using it. I have attached proof of payroll checks that I scanned and deposited to my account. XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The XXXX address is an address we had previously. I have attached proof of the address when I started the business. I put in a request to XXXX to change the address and they responded and was not able to update it in time for closing. My company is set up as a S Corporation based on the IRS rules if I work for my business I must take reasonable compensation in the form of a W-2 at the end of the year. Please let me know if you have any questions. I am looking forward to making my mortgage payments and living in my house with my family. I enjoyed working with Quicken loans and thank them for allowing me to refinance my home. I would highly recommend them to family and friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have a dispute with Fedloan Servicing regarding incorrect reporting on my student loan accounts to credit reporting bureaus. I have a general forbearance that has been applied to my account ; however, this information has not been updated accurately and there is still a 90 day late payment listed for each of the accounts. Given that this has not been updated after conducting the dispute process with each of the credit bureaus, Fedloan Serving is in violation of FCRA 623 " Fair Credit Reporting Act ''. Since the dates of my general forbearance include the late payment mark, these should be removed to reflect the most up-to-date and accurate information on all accounts. Therefore, I demand that in order to become compliant with FCRA 623, Fedloan Servicing updates and submits the correct information to all three credit bureaus which results in 1 ) all accounts being up to date for the period of the forbearance and 2 ) removal of late payments on the account that are during the time period of the general forbearance.

I request that I receive a response no later than 15 days after the receipt of this complaint.
Product: Debt collection

I received debt from CBE. It was for an internet bill. I was never informed from the internet company or CBE that I had debt through either of them. I had set up internet with them back in XXXX of 2022 and I had cancelled my service through them at the beginning of XXXX of 2022. I talked with the internet in XXXX of 2022 and I was under the impression that my account was closed and was not informed that there were any current charges needing to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit report is Equifax. When I check one of my credit score and I realized that One of Equifax that they put mistake background of resident/address. The address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I never been living in CA. I been living in XXXX, XXXX and XXXX  that's all Not CA. so I tried to online at Equifax but It is failed because saying not match as 2 questions. I called them and explained it so they asked me 3 questions and one is correct and 2 that I don't realized but said it is not match of course because of wrong background.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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  have 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.
Product: Credit reporting or other personal consumer reports

I received my credit report for the first time in a while today and I have multiple of inquiries on my credit report that I believe are fraudulent. I did not authorize any of these companies to run my credit. My identify has been stolen. I have expressed my concerns with Experian already because someone with the same name as myself accounts were generating on my consumer report.
Product: Debt collection

Unsure of what debt this is, but they are called Qualia Collection Services. They call me more than 7 times in a XXXX  day period. They called Monday XX/XX/XXXX at XXXX XXXX. They called Tuesday XX/XX/XXXX at XXXXXXXX XXXX and XXXXXXXX XXXX. They called Wednesday XX/XX/XXXX at XXXXXXXX XXXX, Thursday XX/XX/XXXX at XXXXXXXX XXXX, Friday XX/XX/XXXX at XXXXXXXX XXXX and XXXXXXXX XXXX. They called Saturday XX/XX/XXXX at XXXXXXXX XXXX. So in total they called me XXXX times in just XXXX days. This is just from this past week, it happens every single week they call me more than 7 times in a total week.
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

Equifax responded to a Disputes for accounts that have been manually updated by them, and even when in the " Closed '' Status. The related dispute number is attached. 

I am the author of this dispute, and all information contained within it. 


XXXX, and in this requested EQ responded in the following manner -Equifax has reviewed the complaint and its records. Please be advised that once a Creditor has reported your account as closed, Equifax is unable to modify the activity designator field reporting on the Equifax Credit File. A copy of your Equifax Credit File has been sent for your review. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " When Equifax updated these accounts ( please see the update dates, and the date these items were disputed ), I assert that they deleted the pay history. 

It must be noted that EQ updated the XXXX XXXX Payment History - to include Pay History through XX/XX/XXXX, even though this account has been closed and not reported by XXXX XXXX, since XX/XX/XXXX. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXXPlease note, that these accounts have been manually updated by EQ, at least 10 times. 

Online ... the pay history has been morphed to allow it to appear. Please see attached the XXXX Equifax Personal Solutions_ Credit Reports, Credit Scores , Protection Against Identity Theft and more.html pdf which shows the PAY history in the records. 

Then, the attached dispute results that show no pay history. Please see Equifax XXXX dispute results no Pay History.pdfBecause Pay Histories impact scores in such a harmful way, as the records are truly incomplete and use these data values to calculate Vantage and FICO scores, Equifax has the details to correct and complete the records in their systems as a whole - and not just in views, and must do so. 

This is not a request to delete the trade line, as they are positive. 

Instead it is a request for EQ to wholly correct its error in reporting in printed reports, that there is NO pay history for. 

XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 300XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ 500XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX LOST OR STOLEN CARDXXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED $ XXXX XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX PAYS AS AGREED
Product: Debt collection

XXXX XXXX XXXX has turned in an account for collections from XXXX XXXX. The account was opened in XX/XX/2022 according to my credit report. The original account with XXXX XXXX was opened by someone who stole my identity. The amount of the debt is {$1600.00}. I have spoke to XXXX XXXX XXXX to let them know this is not my debt and was the result of identity theft. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE XXXX XXXX XXXX AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ''
Product: Mortgage

Hello - I had an original mortgage loan through XXXX bank. They merged with Chemical bank. When the merger was complete they deleted my login information. We had to create a new username. When I tried to create the username it asked for my loan # which they did not provide. My old loan number was changed. Getting through to their customer service is impossible. It took me 3 days and several hours. You wait on hold for over an hour and then you get disconnected or the representative puts you on hold and you get disconnected. 

Once I finally was able to login all I can do is pay my minimum payment. They will not give me information on what my loan balance is or what the interest rate is ( It's a variable rate ). I had visibility to all of this previously. When I called to ask why I could not access this information they put me on hold and then hung up on me. This is after waiting to get through for 2 hours on the phone. 

I have no idea if they are applying my payments, if they are changing my interest rate, etc. And it's impossible to get through to anyone. They don't respond to emails either. This is such a problem I'm looking into refinancing with another bank. Overall this is a very unethical bank.
Product: Credit reporting or other personal consumer reports

As USUAL, Experian does not care, pay attention to, or bother reading any correspondence regarding consumers reports. GET WITH THE PROGRAM EXPERIAN! YOUR COMPANY REPORTED A VOLUNTARY REPOSSESSION ON MY CREDIT REPORT FOR SEVEN YEARS THAT YOUR COMPANY KNEW THAT I WAS IN LITIGATION WITH. THE DISPUTE HAS BEEN RESOLVED AND THE LENDER AGREED THAT THE ACCOUNT WAS CONSIDERED CLOSED WITH NO FURTHER MONEY OWED. I SENT YOUR COMPANY THE LETTER THAT I RECIEVED FROM THE LENDER. THE LENDER ALSO NOTIFIED YOUR COMPANY THAT I NOW HAVE A CAR LOAN THAT IS PAID IN FULL OF NO FURTHER MONEY OWED, YET YOU REFUSE TO ADD IT TO MY REPORT! THIS SHOULD BE ON MY REPORT FOR THE NEXT TEN YEARS! YOU DIDN'T MIND INCOMPLETELY, UNFAIRLY AND INACCURATELY REPORTING IT ON MY CREDIT FOR SEVEN YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax are confirming the information their reporting are correct this is violation I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; XXXX acc # XXXX XXXX dispute resolved - consumer disagrees. Debt included in or discharged through XXXX  XXXX XXXX. XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX XXXX. ( Equifax Acct # XXXX  XXXX Account involved in XXXX  XXXX debt adj. Auto Included in XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ; dispute resolved/ consumer disagrees/ These accounts aren't supposed to be showing negative. These accounts should be deleted since their part of my Bankruptcy. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

I found credit inquiries on my XXXX, XXXX, and Experian credit reports that was not authorized by me.The XXXX company XXXX XXXX on XX/XX/XXXX. I have requested all of them to remove but it is still there. 
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