23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates LLC have been extremely gracious regarding 3 accounts I had with them. After placing me on a hardship program regarding my having had a XXXX, XXXX XXXX, XXXX XXXX, and a XXXX child of mine being diagnosed with XXXX, they sent me letters relieving me of my debts. I paid on them as long as I could. The letters stated they were either considered paid in full or that I did not owe any more and that they would be deleted from my credit reports per their updated policy. They are still being reported and with the amounts I had owed, nothing has been updated. 
I have tried to reach out to them again and due to the virus ( I'm assuming ) I can not get any help. 
I want this published not out of malice, but because of their poor reputation and how reaching out anyway helped me more than they will ever realize, and how nice they were to me. I regret that I know no other way to resolve this and I do not believe it is being done to be hurtful.
Product: Credit reporting or other personal consumer reports

Equifax has ignored my FTC report during the investigation of identity theft case. They allowed creditors to add false erroneous accounts during a credit freeze, block and fraud alert. Even worse they removed and added different accounts within the same creditors with negative false information. Currently XXXX still allowing me to be victimized-even worse they are actually removing adding different info that was never reported by the actual creditor. I spend hours on the phone with equifax only to wake up with an even more incorrect report. 
Equifax is responsible for a credit score average that caused me to possibly lose my home, not purchase a vehicle. 5 court dates & a high interest loan in order to survive that is currently showing late payments. In return tanking my credit Score even further. They have not responded to the cfpb complaint still to date. However they have been taking action. See documents below.

Yesterday 3 old negative reports were added to equifax report as new reports. These were removed by the actual creditors several Months ago. Equifax lies to me and only instigates me to file a dispute always. They actually force me to file disputes while the status is still under investigation elongating the process even further. 
I feel Absolutely helpless at this point. Someone please help. I am about to give up, sell my business etc. I cant take their financial abuse any longer. Its insanity.
Product: Mortgage

I am trying to get a loan modification or HAMP, Principal Reduction Alternative and Bayview Loan Servicing says I am not eligible for a loan modification because I did a XXXX-Out Refinance transaction in XXXX and had equity in the property which was fully paid on XXXX XXXX XXXX. I applied for a trial loan modification when XXXX XXXX XXXX was servicing the loan and was approved for a Loan Modification as per the attachment on XXXX XXXX XXXX. For some reason unknown since this loan is with the same investor they will not review any option for a loan modification. 
Please advise how I may save or keep the home because Bayview Loan servicing is saying that I need to pay the past due balance in full to reinstate the loan. 
Currently the home is not in foreclosure. Please advise any option available regarding a loan modification for to keep the house from Deed in Lieu, Foreclosure or Short Sale, my cell at XXXX XXXX XXXX
Product: Student loan

I took out a student loan in XXXX for {$9000.00} and graduated in XXXX although I was short a 3-credit course that my advisor did not tell me about until a month before this graduation. The university was aware of this error, I was allowed to graduate but was not awarded my degree. I began working and decided to go back to school in the near future to complete my degree. Going back to school turned into a hardship because I did not have the extra money for my class. My student loan was placed on a forbearance plan, my co-signer helped me make payments while I was employed part-time temporary and unable to make the designated payments. After years of paying interest payments my student loan debt grew into a massive {$13000.00} with a 10.25 Variable interest rate! I started full-time employment in XXXX of XXXX, I called Navient requesting to refinance the loan and to release the co-signer. Navient told me that they would NOT release the co-signer until I completed my degree and made 12 consecutive on time payments. My complaints : Not being allowed to release my co-signer and not being offered an income driven repayment plan.
Product: Mortgage

Please see uploaded documents, specifically the entry entitled Bank of America my documents complaint.
Product: Money transfer, virtual currency, or money service

l'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, credit repair services, or other personal consumer reports

CFPB + American Express, On a recent review of my credit report I see there were hard credit inquiries on XX/XX/XXXX and XXXX- I believe the hard credit inquiry on XX/XX/XXXX needs to be removed as that was an extra pull. 

Enclosed with this is : - my drivers license - my social security card - my address- my written complaint- XXXX and XXXX credit report where these show
Product: Credit reporting

I subscribe to XXXX XXXX which is a joint venture of Trans Union and XXXX. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - Trans Union and XXXX respectively ''. 
Lender pulls my credit and the scores are XXXX Trans Union a XXXX point difference and XXXX XXXX a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.
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. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : 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 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, credit repair services, or other personal consumer reports

I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX  knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.
Product: Credit card

On XXXX XXXX XXXX I rented a car through XXXX and was charged {$290.00} for the rental period from XXXX XXXX to XXXX XXXX. Since I opted out of the car rental agencys insurance and relied on the coverage provided through my Chase Sapphire Reserve, XXXX charged me a refundable car insurance deposit of {$1300.00}, to be returned as long as there was no damage to the car. The car was returned damage-free on XXXX XXXX XXXX 

On XX/XX/XXXX, I contacted Chase to dispute the charge and followed up with XXXX to understand why the deposit had not been refunded to my card. Chase issued a temporary credit, and XXXX responded to my email on XX/XX/XXXX with a refund receipt. At that point, I believed the matter was resolved. 

In XXXX, Chase attempted to follow up with me via phone, but I missed the call and did not receive a voicemail. As a result, I failed to upload the requested documentation, leading to the dispute being closed and the credit reversed. 

Since the charge is not valid and the refund from XXXX was never received, I reopened the dispute with Chase, providing the Rental Car Agreement and email correspondence from XXXX acknowledging the refund. However, Chase once again deemed the transaction valid and closed the dispute. 

I followed up with XXXX on XX/XX/XXXX and XXXX, XXXX, questioning why the refund had not been processed. XXXX responded with the following : Dear customer, We have correctly taken charge of your request, and it will be processed as quickly as possible. We ask you to wait a few days as our assistance departments are partly involved in the holidays. However, your request for the return of the deposit is already being processed, and we have verified that you were charged incorrectly! We remind you that once we have returned the deposit, banking time is required for the money to be re-credited and visible in your bank account, usually at the end of the month. 

We remain at your disposal. 

Best regards, Customer Service, XXXX I am extremely frustrated that Chase is not taking this dispute seriously, and I feel scammed by XXXX which has numerous scathing online reviews. I regret not reading these reviews before renting the car in XXXX. 

As a loyal Chase customer for nearly 10 years and recent Chase Sapphire cardholder, I have always paid my Chase Sapphire balance in full and have never missed a payment. This is the first time Ive needed to dispute a transaction, and I am deeply disappointed with the service Ive received. 

Please note the vendor listed on the credit card statement is XXXX. The booking was made through XXXX and XXXX is the car provider. A simple XXXX search will show XXXX and XXXX are related.
Product: Mortgage

We used Prosperity Bank for our new construction loan. We were having issues with the builder so we reached out to our lender for guidance on options- which he then communicated with the builder that we were looking to fire him- which escalated to a lock out and multiple other issues
Product: Credit reporting or other personal consumer reports

Here 's a draft dispute letter to the CFPB stating you are a victim of identity theft due to an unauthorized XXXX XXXX card account on your credit report, including relevant laws : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] Consumer Financial Protection Bureau Consumer Response Center XXXX XXXX XXXX  XXXX, VA XXXX Re : Dispute of Unauthorized XXXX XXXX Account - Victim of Identity Theft Dear Sir or Madam : I am writing to dispute an unauthorized trade line that has appeared on my credit report from all three major credit bureaus ( XXXX, XXXX, and TransUnion ) for an account with XXXX XXXX XXXX XXXX. I am a victim of identity theft, and this inaccurate entry is a result of fraudulent activity for which I am in no way responsible. 

I have never opened or authorized any credit card or account with XXXX XXXX. This derogatory trade line is completely illegitimate and erroneous. Its presence on my credit report is clear evidence that my personal identifying information has been compromised and used criminally without my consent to open this account fraudulently. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, initiate reasonable procedures to prevent re-insertion of the item, and notify the furnisher of the information within 5 days.

Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. The presence of this fraudulent XXXX XXXX account blatantly violates these FCRA provisions. 

As an identity theft victim, XXXX XXXX account has already caused me significant financial hardship, distress, and damage to my credit standing through no fault of my own. I am demanding that you promptly investigate this issue, block the unauthorized XXXX XXXX account as resulting from identity theft per FCRA requirements, and remove it permanently from my credit report to allow me to begin repairing my credit. 

Please provide me with the written results of your investigation and actions taken within 4 business days as is mandated for identity theft disputes under the FCRA. Failure to remove this fraudulent item expediently will leave me no choice but to pursue all legal remedies available to me as a consumer victim, including statutory damages. 

Enclosed are copies of my credit reports highlighting the unauthorized XXXX XXXX account, as well as a copy of my identity theft affidavit. I am counting on your agency to enforce my rights and clear my credit report of any criminally fraudulent entries.
Product: Student loan

On XX/XX/2023 I submitted an IDR application that is still processing. Later, my account showed as on the REPAYE plan with a $ XXXX payment. Then, it was updated to a SAVE plan with a pending month payment. Then, my account was put on the level plan with an outrageous $ XXXX payment. Then, when I called, I was told that my payment under the SAVE plan would be {$260.00}. MOHELA is incompetent and is wasting my time and money processing my forms for months on end and they keep switching me back to a level plan even though I keep applying for IDR options and am on PSLF.
Product: Mortgage

This is the XXXX complaint I am submitting against Embrace Home Loans. The XXXX complaint was Case Number : XXXX. I have not received my corrected XXXX on my Mortgage Interest from XX/XX/XXXX through XX/XX/XXXX and no monthly loan statements. The response from XXXX XXXX XXXX XXXX on behalf of Embrace Home Loans was worse than XXXX XXXX in that they have me with a XXXX mortgage. I have been requesting that the Resolution Department at XXXX XXXX XXXX XXXX review my proof of payments and resolve the balance dispute. Embrace Home Loans and XXXX XXXX 's Attorney XXXX verified receipts through XXXX XXXX, she did not give a balance on her report. I a current and paid through XXXX XXXX and Embrace Home Loans Mitigation Department not their Resolution Department has contacted a XXXX XXXX, Louisiana Attorney who sent me a Warning Foreclosure Letter. I have responded to that letter. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against TransUnion the credit bureau. Their service to put a credit freeze in place is deceptive and unfair in that in the terms and conditions of the service there is no schedule of fees disclosed.. In signing up to schedule a credit freeze, it appears as if this is a free service until the end of the 'checkout ' process and there they list an add-on fee of {$10.00} that applies when you want to lift the credit freeze. This is not clearly disclosed in the initiating the service and is a practice that is not supported by the other credit bureaus. 

Now that there 's been the XXXX security compromise, consumers are scared about what will happen to their credit and this is an abusive fee that is penalizing us for taking proactive and preventative actions. Please work to remove this fee entirely or to waive it for those affected by the XXXX breach.
Product: Debt or credit management

Money lion has a service where you credit builder loan I have done XXXX of them meaning XXXX  years of payment on time, and no issue and now they are deny a other loan and I dont understand why. I been paying there monthly service for over XXXX years
Product: Credit reporting

I initiated a dispute with all XXXX credit bureaus regarding XXXX XXXX credit card account XXXX. The investigation came back as verified, however I did not ask for verification that the account was mine, I asked the CRA to verify the date of first delinquency being that there is conflicting information for this account as to when the first delinquency occurred ( see attached report ). This account is approximately 7 years old and should be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the theFairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item

s of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 60
4 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. The disputed items do not belong to me. Please block/remove these items XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with Capital One, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with Capital One, so I called Capital One about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that Cap One likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from Cap One. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called Cap One again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and Cap One not correcting its error, I am left with no option but to seek assistance from the CFBP.
Product: Credit card

XX/XX/XXXX, I cancelled this order, by refusing delivery. 

The merchant promised me a refund within XXXX business days. That time has past. 
Between XX/XX/XXXX - XX/XX/XXXX, I asked the merchant when to expect my refund. 

One told me to wait 7 more days. I attempted to speak with one of their agents, who said wait 14 days. One had me fill out an " incident report. '' They all give me different answers.

They are just giving me the run around.

Now, when I attempt to speak with an agent regarding this issue, I just get transferred from department to department, until they disconnect my chat.

I have no other option but to file a complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> My daughter sent {$480.00} to via her chime account. On XX/XX/XXXX I received a text to complete my sign up with Chime. I had not signed up with Chime so I blocked the text. When my daughter sent the {$480.00} on the XXXX, I never received the text ( which is the way she has sent money to before several times ) so I contacted Chime and advised them of what had happened. They immediately closed the fraudulent account but has yet to return the funds back to my daughter 's chime account. We have contacted Chime numerous of times since the XXXX and was told each time that the money would be returned within XXXX hours. The call has been escalatgd numerous of times with no help. I explained to them that money was for my mortgage and I needed it back asap. The only thing they kept informing me was the account was closed and nothing has been reported on my credit. It appears that the fraudulent account used a different email than mine. All I want is for the {$480.00} to be returned to me or my daughter today. The Chime recording states that the {$480.00} is in the account in my name ( fraudulent )