23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I submitted an international transfer of funds in the amount of {$96000.00}  XXXX  received b y Wells Fargo  on  XXXX   XXXX ,    2017. The  market exchange rate that day was  XXXX , which would have resulted in a conversion to {$12000.00}. I expected somewhere near the amount of  XXXX  afte r the exchange.      Instead , Wells Fargo  performed the conversion with its own rate of  XXXX . The amount I received at the end was {$11000.00}, which is about about a {$450.00} loss due t o Wells Fargo 's pre ferential rate.      Wells Fargo  abuses a preferential exchange rate and applies predatory practices. It charged me an unexpected and hidden exchange fee of 4 %. Furthermore, the information available o n Wells Fargo 's   website abou t the exchange rate f or that day by the bank is misleading and is not the amount the bank charged me. (   XXXX   XXXX  ,  a Wells Fargo operated  forex service. ) Furthermore, information on w hat Wells Fargo i s charging is not available online -- I was told I should 've called the bank prior to making the transaction.     Other consumers should be aware and never us e Wells Fargo 's fo reign exchange service.
Product: Debt collection

The XXXX card was opened over 10 years ago then when it was sent to portfolio recovery I was not notified and when I tried working with the company to see if I could make payments they would not comply and also would not recently comply with my credit counseling service when I was working to consolidate and pay off my debt. Then I was summoned for a hearing saying I was being sued without notice and they then said I did not show up to the hearing when I did n't know when the hearing was in the first place. Once they refused to work with my credit counseling company I stopped receiving anything from them and was never told how to payoff this debt.
Product: Credit reporting or other personal consumer reports

Greetings sir/madam, Once again one of your credit agencies, Equifax, keeps allowing third party debt collectors to furnish false and inaccurate reports to my consumer file without verifying if they have proper WRITTEN CONSENT FROM THE CONSUMER PER 15 USC 1681b `` PERMISSIBLE PURPOSES '' ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

~ ( 2 ) Disclosure to Consumer.

( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. < -- - ( Key ) XXXX XXXX " XXXX XXXX XXXX XXXX has furnished a false report to my consumer file, knowing I never given them written consent to furnish anything on my report. 
( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; All of a sudden XX/XX/XXXX A random collection for {$400.00} has been added and I have never signed any agreement with this company nor given them written consent. 
They have harassed me, emailing me etc. I have no ties nor contract with XXXX XXXX XXXX. It's time to start holding these agencies responsible because by LAW in order for information to be accurate it must BE IN WRITING IN THEIR DATA! Sick of these corporations fooling consumers like people doesn't know the law!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date of Birth : XXXX Last 4 SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax XXXX XXXX, Subject : Request for Removal of Negative Accounts Due to Equifax Data Breach I am writing to formally request the removal of any negative accounts that may have been impacted by the Equifax data breach that occurred between XXXX and XX/XX/year>. As you are aware, this breach compromised the personal data of millions of consumers, and I believe that some of my negative accounts may have resulted from fraudulent activity due to this breach.

In light of the breach and the potential for identity theft, I am requesting that any negative or inaccurate accounts be removed from my credit report. This includes any accounts that were opened fraudulently or affected by identity theft due to the data breach. I would appreciate your immediate attention to investigate this matter thoroughly and ensure the correction of my credit report.

Please find attached a copy of my credit report, along with documentation of my identity theft or fraud alert, and any other supporting materials to assist in the investigation. I am also requesting confirmation in writing once these negative accounts have been removed or corrected.

Additionally, I would appreciate information about the steps Equifax is taking to support consumers whose data may have been compromised and the measures that can be taken to prevent further issues.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this issue and the restoration of my credit standing. 



Sincerely, XXXX XXXX XXXX Attachments : Copy of Passport Card And SSN Card Identity Theft/Fraud Alert Documentation This letter is both polite and direct, addressing the issue of fraudulent accounts that may have resulted from the data breach and requesting their removal. Let me know if youd like to make any adjustments!

My information has been exposed with the Equifax data breach, please remove all the negative items in my credit report. I was unaware of those accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry
Product: Credit reporting or other personal consumer reports

Received adverse letter. Submitted for copy of credit report as required by law. Each time requested, sent letter saying they didn't receive information. 

I did not authorize this company to provide my information to anyone or any company. 

This company sends our credit report out with erroneous information on it and refuses to provide us a copy of the report. We have no way to review and/or dispute bad information. 

I Uploaded docs verifying my identity and still received the letter saying can not be verified. 60 minute plus hold to speak to this company. 

Went on website and requested again for my credit report, they send email saying request received and nothing. 

This has been ongoing since XX/XX/2023. 

They have to provide a copy of my credit file to allow me the chance to review and correct anything not correct to be in compliance with the Fair Credit Reporting Act. They are not. 

I have been given the run around even after submitting documents as required. 
No other credit bureau requires any documents to request a copy of the credit file that belongs to me. That is my right to receive it. 

I have ever heard of this company until XX/XX/2023 and received an adverse report. 

I want my credit report. The bureaucratic red tape by this conglomerate that holds my personal information is not operating within the guides of the FCRA.
Product: Credit card

I have been customer with home depot for a long period of time, due to financial issues I had the card close. I am aware of my responsibility that I have to pay the bills in my name. However when the bill was due I drag every change I have in my pocket and everything to pay XXXX $ to meet the requirement of the credit card. I have reached out for help, begged TWICE and was told no they ca n't help me. The representative was not knowledgeable nor empathize my needs of help. I am unemployed lay off, not qualified for unemployment because of company close out bankrupt. So, I have no income until I get a job. There was no empathy he even advise I will rack up late charges and then once it is past due enough maybe i would get help. Thus, jeopardizing myself further into more issues than i am already in.
Product: Debt collection

OnXX/XX/XXXX, I received a phone call from an unknown number calling to collect a debt I supposedly owed Bank of America. I vaguely remember paying Bank of America off years ago for an non payment on a previous account. They told me some information they had, and it sounded legitimate. They told me I had to settle debt soon before having legal action taken against me. I agreed to make multiple payments. I made 3 payments, on XXXX, X/XX/17, and X/XX/17 and received a paid in full letter via email. The case manager gave a name and number to call, but I misplaced them. In an attempt to call them just to follow up, I looked up the creditor and called which only brought me to an automated system and directing me to voicemail each time. I looked up my bank information and tried calling the number associated with XXXX XXXX XXXX who collected from my account, the same issue. I printed my latest credit report and saw nothing about this debt I owed at all.
Product: Mortgage

I am not XXXX percent sure but I dont think my taxes and escrow are being applied correctly to the mortgage loan
Product: Mortgage

I received HSBC letter date XX/XX/XXXX regarding my request to repay my {$3400.00} which they collected. I was under the impression that HSBC legal department reviewed my XXXX loan modification note carefully. Per the loan modification note, all the outstanding fees which incurred due to my property foreclosure and loan modifications were summed as {$620000.00}. The foreclosure processes of my house had started long before the final loan modification was exercised in XXXX, therefore, the related foreclosure fees must have included in my final modified loan amount {$6200.00}. Nowhere within the modification note explained that HSBC could calculate additional/remaining charges of any sorts and billed me at the later time when the loan modification was executed. HSBC attached explanation letter date XX/XX/XXXX was in violation of both own HSBC loan modification note and the lending laws regulating such modifications. HSBC had been trying to collect unknown fees under Outstanding Foreclosure Fees later in XXXX on behalf of its previous processor XXXX long after my final loan modification date in XXXX. Again, the Foreclosure Fees were incurred prior to my final loan modification and must have summed in {$62000.00}. It seems to me that in order to prevent reimbursing my money every single time HSBC has come with a reason to hold this money. I kindly request HSBC to bring this matter to its upper legal management to resolve this issue friendly and reimburse my funds as soon as possible. 
Thank you
Product: Mortgage

My mortgage has been transferred a few times until landing with LoanCare/XXXX. Upon getting the mortgage the mortgage was due the first of each month with a 15 day grace period and then a late fee would be applied after the grace period. At first LoanCare was fine and then after a few moths they started charging me {$10.00} to make the payment online. That is {$120.00} a year extra they are charging me. I am on XXXX and a fixed income and this is a lot to me. When speaking with them they said its not a late fee but an administrative charge. I am being charged to pay my bill? I have NEVER had a mortgage company charge me to make a payment to them. This must be illegal. I went online and saw others too were experiencing the same issue as myself. I am extremely frustrated and feel like I am being taken advantage of. This company has worked around a way to charge people money each month to pay extra even if it is before the mortgage is considered late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/2022 payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a federal employee. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.
Product: Checking or savings account

On Thursday XXXX I called Chime customer service due to an issue i had with a check that i sent. The company i sent the check too acknowledged the refusal of the check and i cancelled the check. They told me it was cancelled successfully and that i would be getting my money back in 1-3 business days however its been a week and i havent received it. I then try calling up customer service once again to see why they havent gave me my money yet and they said they need to transfer me which was ok at first but then the guy on the phone came back and hung up after saying he will place me on hold until someone is available to help. They seem to be making it impossible to get my {$350.00} dollars back and XXXX XXXX XXXX XXXX XXXX XXXX I cant afford to play these games and risk being without power, water, and heat.
Product: Debt collection

This collection agency  I. Q Data International is att empting to collect an alleged debt that I do not owe to them. They have also reported it to all three credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agreed to pay any debt t o I.Q. Data International. The y also have not provided any information showing where I have agreed to pay them for the alleged debt. Furthermore they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the Secretary of State according to Sectio n 392.101 of the Texas Finance Code.
Product: Credit reporting or other personal consumer reports

The following companies use hard inquiries on my credit report without my knowledge and authorization in violation of 15 usc 1602c of the fair credit report act. I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I never authorize the above name/ company to run an inquire and had no knowledge of it till i got a copy of my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX/2025, I received an email from Robinhood stating that my account was restricted, but it didn't state any information as to why that was the case. I called them and wasn't given any additional information. On XX/XX/XXXX/2025, I sent a few emails and attempted to call to receive more information and the only response I got over the phone was " you reported your account as having been compromised. '' I never did that, so I'm not sure why they've restricted it. Last month, there was a bank transfer that was reversed, but I immediately deposited more than enough cash to cover that and remedy the situation. To date, I have called and email Robinhood more than a dozen times with no response. Most recently, I sent an email on XX/XX/XXXX2025 to Robinhood 's support emails and the executive team and have not heard back. They have not responded to a BBB complaint, or complaints to FINRA, the SEC, or the AG 's office. There is almost {$4500.00} in that account that is " stuck '' and there's been no communication from Robinhood. The app said that I'd receive an update by XX/XX/XXXX, but that gets pushed back each day that there is no response. Each time that I attempt to call, I get a scripted email back with a case number. When I call and give them the case number, it's " closed '' on their end, so they end the call and send yet another form email with a new case number- also showing as " closed '' when I call. I don't have any active case number to refer to and nobody can ever provide any information when I call. I'd really just like this resolved so I can move my retirement account over as well. We've had nothing but great experiences at Robinhood, but the lack of information and communication is a bit stressful and frustrating.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

XXXXXXXX XXXX XXXX XXXXXXXX - {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$590.00}
Product: Mortgage

I have a lawyer the company is Mr. Cooper/Nationstar Mortgage and they sold my loan back and forth then sold my house without proper paperwork. Like many people in 5 other states I follow the same pattern to a tee. Why? How? When will this stop? Why am I going through this in Texas if California Oregon New York and other states won class action suits w the same pattern? Why??? I have a handicap first floor just for my disabled father ( who was in the reserves ) my husband, a veteran fought in 2 wars, XXXX year old XXXX high school at XXXX with hopefully an associates, and Im a XXXX XXXX .... broken hearted over this injustice and paying lawyers fees to defend me against these well known unethical mortgage companies from a different nation. They Obviously do not care about our nations laws nor do they wish to abide by them from the trajectory of their court cases. Please help me ... 
( XXXX ) XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

Its coming up on XXXX months since I first filled my dispute with Navy federal credit union. I still dont have a response to my XXXX complaint or resolution. Yet baby federal credit union still calls me wanting me to pay a balance. It shouldnt be that difficult to give me my money back as none of the chargers we authorized by me. I filled a police report and have sent it to navy federal several times with no response or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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. 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 XXXX is 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. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to violate the FCRA with Freedomplus account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by XXXX. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by XXXX. This violation Re-aged account and inconsistent reporting by XXXX has injury and harm my ability to obtain financing.