23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to dispute an account reporting 30 days late on my credit report and it was never 30 days late I submitted proof of dates I paid my bill including the due date and the error was not corrected. XXXX XXXX is the company reporting 30 days late forXX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, XXXX and Equifax on XX/XX/2020 via the United States Postal Service certified mail. Unfortunately, as of today, I have not received any responses about the items I disputed. I'm pretty sure that I was supposed to receive a response in 30 days but the only update I have received is a copy of a credit report.
Product: Vehicle loan or lease

Hyundai told us upon sale in XXXX that a lien title was going to be sent within 10 business days. Today is XX/XX/XXXX and I still have not received a title. I have called Hyundai motor finance almost twice a week since XXXX. I have been told that the title is in the mail over 5 times since then. I have talked to managers and had the case escalated several times with no results. Without a lien title, I am unable to register my vehicle, rendering it unable to be driven since XXXX after my self purchased dealer registration extension expired
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I tried to submit a request for an annual credit report via annualcreditreport.com for Experian. They said that they were unable to process the request and instead I had to mail my request - content of the error below : A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I bank with Wells Fargo, and i have tried to move money into my savings account, since it had been in overdraft. I moved {$7.00} on XX/XX/XXXX to make the account positive. Their terms say that as long as i move a {$1.00} into the account, it should not be charged the monthly fee. However, on XX/XX/XXXX i was subsequently charged the monthly fee of {$5.00} even though i had a positive balance present in the account. 
I had previously had asked the baking rep in store last month about switching account types and said that i don't qualify for any of the current ones that they have available, stating that i would need at least $ XXXX to have an account type with no fees or minimums, which is a lie since i previously had an account that had no fees charged to me, but conveniently, Wells Fargo, doesn't want to offer that package to me, even though i had been with them since XXXX and a loyal member. 
This is just another sad example of how Wells Fargo got caught Scamming many of the loyal, valued customers. 

I also contacted Wells Fargo banking on that same XX/XX/XXXX date to help recall and charge back previous transactions that i had previously dealt with the named companies indivually, to no avail. I told them that i had tried to directly ask for the money back and no refund from the companies were give to me, which lead me to filing the dispute. 
I find this resolution completely unacceptable by Wells Fargo, since they would previously do this for me in previous years or any customer they hold a value of at least $ XXXX because they're the rich people and they bend down to the rich people without hesitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX no Im not happy I need to know who removed American account from the file? 
I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately
Product: Money transfer, virtual currency, or money service

Hi, I initiated a transaction to send money ( {$50000.00} ) to my account back home in XXXX using Western Union online services ( XXXX : XXXX ). I have been following up with the representatives since then and have provided all the required information from my end. Now, after 15 days they have cancelled the transaction with out proving any reason for it. I have been on call with their representative for more than 15 hours in total during this time. 

Today I requested them to redo my transactions on the same rate as in XX/XX/2020, bu they said it can not be done and I will have to start a new transaction. Doing so with current exchange rate I will be losing more than XXXX XXXX 

This transaction has been no less than a metal harassment. 

I would like to raise a complain to ensure that no one else has to go thorough the same thing in future. 

Thanking you in advance! 


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

Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies., Experian Credit Reporting Agency is suppose to report my credit in fair manner. 
Every two months Experian drops my credit score by XXXX XXXX  with absolutely no reason. 
Since I expressed my objection numerous times, I have no choice but to look for help somewhere else. 
Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by XXXX XXXX I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. Experian lists 6 possible reasond for a credit score to drop, none applies to me.
Product: Credit card

I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with XXXX, Equifax, and XXXX, they send me results that say verified. XXXX sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on XXXX. And under the comment section on XXXX, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on XXXX, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from Equifax ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on Equifax, and it shows that I have payments of {$120.00} and {$61.00}. However, on XXXX in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My XXXX is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.
Product: Bank account or service

I live in XXXX, drove XXXX miles to XXXX to XXXX store ( XXXX ) tried to pay with credit card issued by Chase, it denied my transaction, I called the number behind the card, talked to a representative about it, for 15 minutes, i thought everything was fine after the conversation, returned to the cashier and again declined. I called back to credit card customer service, talked 30 minutes until no more battery on my cell phone, I left the things I intended to buy and drive back home for XXXX hour or so. 
I was expecting that when your credit card is declined, XXXX phone call from you fix the things, but not. 
My question, what the customer should do in this situation?
Product: Money transfers

eBay have developed an amazing new trick in maximizing profits by withholdingcustomers access to their own money. 

I sold a bicycle on eBay auction for {$800.00} ( XXXX/XXXX/15 ) The buyer paid PayPal {$860.00} ( ( {$800.00} plus {$67.00} eBay specified shipping charges ) PayPal immediately deducted their fee of $ XXXX flagged my PayPal account had a balance of {$840.00} whilstsimultaneously placing a hold on these same funds. 
The hold being controlled by eBay. 
eBay unilaterally and randomly decide the length of the hold with no means for customers to challenge. 
A very small number of high user ( meaning big spender to eBay ) customers are freed from this hold imposition. 
With present day virtual and instantaneous money management eBay is able to control and profit from my money still being in their account for their own uses. With the enormous customer throughput even the average small transaction amount generates huge profits to eBay all without asking/telling the customer. 

During my hold period eBay had the temerity to email to say that they would be automatically deducting, from my credit card, their fees for the auction before the hold was lifted. 
As of XXXX/XXXX/15 funds are still " on hold ''
Product: Mortgage

Applied for Forbearance from Freedom Mortgage due to financial hardship due to COVID-19 which was approved in XX/XX/XXXX and ended XX/XX/XXXX. 

We had asked for one person 's name to be dropped from the loan and sent the divorce decree and a quitclaim deed signed by the person who should be taken off the loan. Initially, I was informed the divorce decree was all that was needed, so an email was sent to lossmitigations @ freedommortgage with the attached divorce decree on XX/XX/XXXX. Then we were informed that a quitclaim deed was needed which was initially sent on XX/XX/XXXX. 

We applied for a modification agreement which was sent out to us in XX/XX/XXXX. When we received the documents that month with the notary, the person 's name was not taken off. We were unable to sign the modification documents. I called Freedom mortgage to ask why since I had submitted the documents they requested. They informed me that the quitclaim deed documents were blank. They never reached out to us to inform us of this. I sent the quitclaim deed again via email to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was sent to a Customer Care supervisor as my concern was escalated due to lack of communication and the concern of the possibility of incorrect default or forclosure. On XX/XX/XXXX, I emailed the quitclaim deed to the Customer Care supervisor. 

Until XX/XX/XXXX, Freedom mortgage sent documents of possible default because documents were not notarized and signed and every time I called, they would say it showed that we didn't sign the documents and the end date for having the documents notarized was coming up. Every time I had to explain the situation and the Customer Care agents tried to escalate or note what I had done. Nothing seemed to be communicated and Loss Mitigation ( being an internal department I couldn't speak to ) didn't reply or communicate anything back. 

The end date of the documents to be signed was finally extended as they realized that I had sent all documents needed and had been waiting on their department to get the name taken off and documents sent to us with the notary. Now I have received a total of about 2 calls from Freedom Mortgage stating they are still waiting on the documents. 

In the meantime, I had been told that we should go ahead and pay the amount due every month that was approved with the documents so that there is no delay or an effect on us in any way. We have been paying the amount stated from them every month starting XX/XX/XXXX, on time. This month, XX/XX/XXXX, I received an alert that my credit was hit due to a derogatory payment from Freedom Mortgage. This was unreasonable since we have been doing what we can to keep on track, get the documents on time, make payments on time. We feel this hit was the last straw and we needed to send in this complaint as the hit to the credit is incorrect and we would like it removed by them immediately. 

With the experience so far we have had with Freedom Mortgage, we feel that speaking to them about it to get it off would not be effective. 

Please advise as to the next steps. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute with the company XXXX XXXX as i never had an account with this company. They removed the account from my reports and transferred the account to a XXXX XXXX a collection agency. I wrote the company XXXX financial and told them that this is not my account and that it needs to be removed from from my credit reports. The contract signature that they sent out was not even my signature. This is unfair to me as i try to apply for loans to have this report back as verified but doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding fraudulent accounts and credit inquiries that have appeared on my credit reports due to identity theft. I have attached my FTC Identity Theft Report ( Report XXXX : XXXX ) as supporting documentation. 

Details of the Identity Theft After reviewing my credit reports in XX/XX/XXXX, I discovered multiple fraudulent accounts and unauthorized credit inquiries that I did not initiate. The details are as follows : Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX ( Auto Loan ) Opened fraudulently in XX/XX/XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXXXXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was given misinformation about my repayment options and directed into forbearance even when there were other options available to me and going into forbearance would have hurt me on my path toward public service loan forgiveness. Also, the loan servicer I spoke with was not up to date on her knowledge about new programs ( temporary public service loan forgiveness ) and told me I was incorrect and wouldnt transfer me to a different servicer when requested.
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 o 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 see appropriate redress for these violations
Product: Vehicle loan or lease

I was really shocked when going over my credit report when I found a late payment on XXXX of 2018. 
I don't know how this happened. I always make my payments to you when I get the statements. It must be that the statement never got to me.
Product: Student loan

My payments have been incorrectly calculated since at least XXXX. This is because of a myriad of problems, including but not limited to an incorrect calculation under the IDR plan. My current IDR plan was supposed to be in place for XXXX, and by their own notification I should have known the new payment by no later than XX/XX/XXXX, but I have yet to hear what the new payment will be under the new IDR plan. I have tried to contact them multiple times, but the company has never responded.
Product: Payday loan, title loan, personal loan, or advance loan

Deceptive practice of loan interest that exceed Illinois law of capped interest of 36 %. They also were taking {$150.00} payments monthly. However on XX/XX/year> took {$300.00} out my account. This was not authorized. They claimed they tried taking a payment on the XXXX but it was declined. Which it wouldnt be declines because the XXXX is a set pay date for my work paycheck, and funds were available. They refused to credit my money, they refused to give anything in writing. Never received an alert of the transaction, as in prior months there was always alerts. I now have come to find out they were not follow oi g Illinois law and charging me an illegal interest rate of over 700 %. Illinois law is capped at 36 %. I stated this to the supervisor at eloan she hung up on me. I tried to call back, and they pick up the phone and hang up. Ive come to realize this is one of those entities that hide behind claims that they are a tribal lender and that the laws I. Place dont apply to them. Illinois law supersedes theories claims. So they now owe me {$1000.00} penalty fine I, am requesting a refund of {$1300.00}. 

I also spoke with my bank they advised they are manually entering my debit card, so my bank cant even put a stop payment on my debit card from them. This is a nightmare.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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: 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.