23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX years ago I took out a XXXX XXXX interest loan from Lowes to build a deck. The salesman told me about the promotion and I asked him how any outstanding balance at the end would be handled. He explained to me that I would pay whatever the current interest rate was at the time. So I took out the loan paid every month on time and figured whatever small balance was left I would handle it then not giving much thought because I knew it was going to be a relatively small amount. Yesterday I was reviewing an email that I received form Lowes about my remaining balance which was XXXX and saw they added a XXXX interest charge. I immediately contacted Lowes and spoke to numerous managers and explained that not only was this not how it was sold to me but that the amount of interest is absurd. After XXXX managers and XXXX minutes on the phone the final XXXX said the best she could do was reduce the interest charge by half leaving me responsible for the difference which was XXXX. I need your help because XXXX is crazy on a XXXX which had to pay off yesterday in order to get the reduction. To make matters worse they explained to me that I had XXXX day grace period that i missed by XXXX days even thought the product I purchased was a special ordered deck which came in the wrong size and color which caused me an additional XXXX day wait time for the correct deck meaning the store should have cancelled my first charge and restarted the clock when they re-ordered they the correct deck which I was never informed of but they admitted was their employees fault. The final comment they made to me was I should contact Synchroneity bank by letter and see what they could offer. Any help would be greatly appreciated as I believe this gouging at its most egregious case.
Product: Debt collection

I wish I had the dates but I answered the phone once a couple months ago talked to this lady and said I didnt have an account and asked them to stop calling me and she said theyd stop, but now they are calling me again every day in the morning, its been happening for whats felt like a year, it makes me sick that companies can actually legally become rich from getting money from people who dont even have any debt, I just turned XXXX I dont even have a credit card. And I absolutely dont have any sort of debt but they keep taking my happiness away in the mornings.
Product: Debt collection

My identity thief has managed to open a credit card account with  XXXX . The balance is {$460.00}.  <P/> I do n't shop at  XXXX  and have never had a transaction with this company. The debt is showing over 90 days due. So the fraudulent charges must have been made in early   XXXX  . My credit should have been frozen by  XXXX , but that seems to not have been effective.  <P/> I do n't owe this debt, and my  credit score  has been damaged because the account is delinquent.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. 3 credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX : {$3300.00}
Product: Payday loan

Cashcall reported inaccurate derogatory information on my credit file. They have now changed their name to Loan Me with no working phone numbers to Cash Call. I called XXXX to get assistance since they are the same company with a different name and they refuse to assist. They state that I have to call Cash Call for help. I explained several times there are no working phone numbers and to please provide me one, however, they are unable to provide me any working numbers either - even though it 's the same company. They state that I have to go to XXXX and find a phone number. I explained again all the numbers on XXXX are non working numbers, and they still refuse to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, T Mobile turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.
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 revolution process was unfair and deceptive, as they did not comply with error resolution requirements l 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 card

On XXXX XXXX XXXX I placed an order for XXXX XXXX XXXX XXXX with XXXX XXXX  for the amount of {$760.00} I did not receive this order for whatever reason. I disputed this with Chase and they sent me correspondence stating that they found the charges valid for the reasons that the charge was made in person and made available for pickup. That was not the case the merchant shipped it. Im based in California and the merchant is based in XXXX. I have never been to XXXX so that would physically be impossible. I have provided photo evidence that they shipped it. 
They didnt solve my dispute with other any evidence they resolved it saying they dont use the proper procedure so I shouldve been dude a refund as they never submitted any evidence saying it was delivered instead they said it was not picked up which is what I had said initially
Product: Checking or savings account

Around XX/XX/XXXX, Truist Bank put a freeze on my personal checking bank account that has {$75000.00} in it, citing potentially fraudulent activity. They said that an ACH deposit associated with my husband 's name flagged my account. Although I immediately submitted relevant documents and explanations, called multiple times, visited branches multiple times to unfreeze my bank account, the bank has only said " it is under investigation '' for almost 2 months, without any update, progress or notice. They also did not provide any official letter as well from beginning -- I had to uncover everything through my own persistent phone calling. No information whatsoever has been provided in writing regarding the status of my account, the reason for freezing my account, or the timeline of this investigation. Truist Bank is just indefinitely holding my {$75000.00} without any communication or proper responses, causing me much financial loss, including the delay of the closing of my new family house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply enough we are about to close on our construction loan next month ( XX/XX/2020 ). 

Weve been paying off massive amounts of debt in the last three months ; nearly $ XXXX of credit card debt. 

My score is making leaps and bounds as my utilization and balances are going down but yesterday my score dropped FORTY ONE points. 

I subscribe to both Experian and XXXX credit monitoring services both of which claim to help you understand and notify us of any changes and why these changes are taking place. Upon logging into Experian, all it shows is what Im going to attach to this complaint which states my score went down 41 points. 

But nowhere does it state why this occurred. As an agency that is responsible for credit reporting and formulating scores they should have to tell you why such a large decrease occurred. 

In the last two months Ive had one inquiry ran by my bank to extend our construction loan, one new credit card opened and almost $ 5k reduction in balance. One card even extended my credit limit. 

None of these things would cause my score to drop 41 points. In fact, the only incident that would cause a decline would be the hard inquiry by the bank and that wouldnt cause a 41 point decrease. 

Ive reviewed my most up to date report from both Experian and XXXX and none of them have any late payments ( never have had one ever ), no public or derogatory information. None. 

When calling Experian I was transferred eight times. I asked for a supervisor or legal department because this is not correct. I was told there wasnt anyone to talk to. I was also told broadly why scores can drop and which none apply and was given the who cares treatment. This is egregious. 

I intend to sue Experian and XXXX unless specifics of why my score dropped so drastically is provided. This should be illegal. 

Im sick of being screwed by these companies. Its bull! 

Keep in mind that Experian makes billions off consumers who buy suggested products through their site. I believe they have an algorithm that makes people believe the only way to increase their credit profile positively is to take out more credit! Its all a game and I believe Experian is guilty of nefarious behavior.
Product: Payday loan, title loan, or personal loan

Due to a lapse in employment, I was unable to pay this loan. After a phone call with the company on XX/XX/XXXX, I was under the impression that i would be able to make payments when I can over the phone. 

When I would try to talk to the company on the phone, i would be on hold for close to 1 hour. I have been hung up on multiple times with the company. I have sent multiple messages, to the company trying to make a payment arrangement and nothing would ever be set up. 

After filing a complaint with the XXXX XXXX XXXX I was able to speak to a XXXX XXXX who was able to complete a liquidation request for my account, to use the money lion connected liquidation account to pay off my loan balance. At that time, I was not told of a liquidation lien for the payoff. That payoff was processed XX/XX/XXXX. 

After trying in vain to reach Money Lion, with the XXXX account website coming back as a 404 error. and the atlassian.moneylion.com email also coming back as a 404 error, and being taken through numerous hoops to finish paying this account, I now have a 90 day late notice on my credit report with XXXX XXXX for a payment that was made XX/XX/XXXX. 

I was then told by a customer service person that a liquidation lien was placed on my account, which stays on the account for 60 days. That would lead this loan to being 120 days late, for a payoff that was already processed XX/XX/XXXX. They did not tell me about this lien, and I personally do not believe that they are telling the truth with respect to this liquidation lien. I believe that XXXX is a criminal company, and should be shut down.
Product: Credit card

My identity and social security card was stolen from me since XXXX any accounts opened under XXXX XXXX was made without my consent. Please close all accounts under XXXX XXXX. 
You may contact me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Debt collection

I have never lived in XXXX XXXX Apartments, I do not have any outstanding balance with them
Product: Credit card or prepaid card

I was informed on several occasions that my account was restricted and that I was unable to make a payment until it was resolved however, in the meantime the Capital One continues to report to the credit reporting agency of missed payments when actually I have tried to make payments several times in the last 3 months
Product: Mortgage

From XXXX to XXXX I had been placed in a trial periods every three months. US Bank had been redlining my loan for 3 years and accepting my payments during this time. I also received every 3 months, threatened with foreclosure. Not only did I continuously make the reduced payments to avoid foreclosure, I had to obtain assistance from local FHA/Foreclosure Agencies in order to save my home. I now find out that there has been placed an additional 2nd lien on my home for {$34000.00}. This is capitalized interest, yet they are unable to tell me the interest rate, how they came up with this amount, nor do they want to provide me a pay history since inception of my loan. They also discriminated against my race/ethinic status and denied the modification for 3 years, capitalized on the interest. US Bank still will not release a payment history from inception XX/XX/XXXX to current.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AC 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

XX/XX/22 DocSigned contract with XXXXXXXX for XXXX install ( XXXX XXXX ) XX/XX/22 XXXX Install began XX/XX/22 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) phones me and talks me through finalizing payment online XX/XX/22 XXXX Installers complete install XX/XX/XXXX XXXX Phone from XXXX XXXX XXXX  ( XXXX selected financier ) asking if job completed and satisfactory. Answered yes prior to inspection and without ant XXXX knowledge XXXX contracts with XXXX XXXX Financing Account # XXXX XX/XX/22 Inspection permit pulled XX/XX/22, after install ; XXXX XXXX  installed rather than XXXX XXXX as stated on contract XX/XX/22 Email XXXX XXXX Financing regarding XXXXXXXX XXXX  failure to get documents to me ( warranty, contract, inspection ) XX/XX/22 XXXX XXXX XXXX Financing opens investigation into XXXX XXXX business practice. XXXX XXXX contacted by XXXX of XXXX XXXX XXXX and advised proper install of XXXX XXXX XX/XX/22 XXXX XXXX  has failed to conduct inspection. City of XXXX XXXX conducted inspection and sited 7 install violations. Installer informed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act American credit acceptance has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My identity was hacked a long time ago where my social leaks through dark web since then been receiving things that i didnt apply for or sign up for. Ive disputed things thats been pass 5 years wouldnt let me dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

3 certified letters 1st to old address ( via literature provided by them ), NEVER FORWARDED by Post Office.

No forwarding order by company ( intentionally? ) 2nd letter to New address, Never verified delivered ( suspicious ) 3rd letter to New address via Priority Mail, Never verified delivered ( pattern? ) the company can Not be contacted by telephone.

the " automatic '' Phone to request CREDIT FREEZE, can Not understand my native English language.
Product: Credit card

this account was opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from this account. This account needs to be closed to prevent further use of my information and identity theft.
Product: Debt collection

Back in XXXX i got a called from a debt collector, the call that i owe about {$100.00} to a cash store i borrowed money from. Which i was very aware. So when they called me i got put on a payment plan because i want it to pay them off right away because i didnt want this on my credit because i had been fixing my credit. Well i made my first payment in XXXX, in XXXX i made my second payment, and right before my last payment was going to be made, BOOM it was reported to my credit as a collections, which i didnt know why it was being reported if I was put on a payment plan? I did not understand why, so i immediately called and the very next day i made my payment, but before i made this payment i told the man i needed a letter stating this was going to be off my credit. So he send me the letter, but little did i know he just send me a letter where stating this account was paid in full not that it was going to be deleted which i did not know the difference. So they got their money, and now this is still on my credit and they wont removed it. Ive spoken to the company and they refused to remove this from my credit. They wont give me a reason why, despiste i got told it would be deleted. I need this to be removed since Im trying to buy a house. The company is national credit adjusters. This company just cares to get their money and not help their customers out.. i need help!!
Product: Student loan

I have contacted Aidvantage on several occasions about my student loans that are over XXXX XXXX XXXX, by phone and email. I've researched about loans being forgiven after XXXX and XXXX years and wanted to know more information because my loans should qualify. At first nobody knew what I was talking about, trying to send me information or applications about other programs, saying my job doesn't qualify and so on. I told them it was about age of the loan and IDR. I submitted a complaint to the Department of Education after several phone calls and no answers. XXXX service representative even said wait in line, there are people with older loans, another said I have XXXX years only of payments. My first loans were disbursed in XXXX. Then same with emails after the complaint and someone named XXXX wrote back and forth with me saying she can't grant me that. Sorry you are angry, she said, but loans like mine need a special program to count the payments and that won't be available until the end of XXXX. So no information, answers or dismissal of my old student loans. She finally mentioned my consolidation loan in XXXX, which contains the old loans so she knows exactly what I was talking about the whole time. There is no special program, my loan just needs to be forgiven, in my research they said consolidation was included. So they want to deny forgiveness to make more money apparently and confuse people trying to clear these loans. I want real answers and my loan dismissed as soon as possible because it qualifies. I am not the only borrower with this issue.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/year> against Kikoff concerning not being able to close my account without paying and them assigning my account to an auto renewal without my permission which caused the account to accrue fees and they reporting a late payment to my credit report. The company has allowed me to close the account and not pay the fees. However, they are stating that they sent me an email notifying me of the auto renewal 30 days before my payment was due. I never got any email from XXXX stating that my account was automatically renewed nor did I receive any letter in the mail informing me of this. Its unethical and misleading to automatically renew an account without proper notification and permission so the company can collect more money from customers who are finished with their program. I made my last payment in XXXX and had no intentions of continuing the service. I want the late payment removed. I never authorized them to renew me nor did they send out an email or letter via mail alerting me of the renewal as they stated in the attached letter.
Product: Mortgage

On XXXX/XXXX/XXXX, I made a payment to Wells Fargo Home Mortgage for {$3000.00} to cover XXXX payments and XXXX late fees. Wells Fargo Home Mortgage has not given me the credit for paying the late fees. I have contacted Wells Fargo Home Mortgage XXXX and each time I am told they will credit the XXXX late fees as paid but it never happens. I would also like to have a typed separate break down of how much was credited to the principle for this loan for XXXX XXXX and XXXX. I am not requesting a payment history from Wells Fargo Home Mortgage because it is a lot of job control information for employees of Wells Fargo and is hard to determine the exact amount.I am requesting for Wells Fargo Home Mortgage to review my payment history and just only give me a direct typed response of how much principle I paid on this loan in the year of XXXX, XXXX and XXXX and the interest rate. Please also for each of these years list each years typed total principle separate for my review. Please also send me a copy of all escrow disclosures for this loan. 

Thank you
Product: Debt collection

The debt is not mines and I don't have knowledge of this account. The account maybe a result of identity theft.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.