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

I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.
Product: Debt collection

Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls.
Product: Vehicle loan or lease

I mailed a letter of rescission to the dealer on XX/XX/XXXX and then submitted a claim to Arizona Attorney General Consumer Complaint to XXXX XXXX XXXX and JP Morgan Chase Bank on XX/XX/XXXX and XX/XX/XXXX after no response via mail. I was mislead about my auto loan and the application my down payment. I put {$15000.00} down on a {$29000.00} XXXX XXXX XXXX XXXX and my loan repayment amount is {$23000.00}. {$7000.00} of my down payment went towards the car which I was not informed that it would be applied any different. I was informed this amount would get my payment in the low {$400.00} range. I was misinformed on my down payment and the loan on my car and I consider this fraud. I sent letter to dealer and bank and the dealer is not trying to refund my money or rescind the loan. The dealer is trying to state that I am outside the 30 day window and which they have to agree, however the letter I sent was within the 30 day window which they are not confirming.
Product: Credit reporting or other personal consumer reports

Older Companies loan older then10 years keep repeating reporting credit which should have been off years ago
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a dispute letter to TransUnion regarding fraudulent charges on a XXXX XXXX account, which were attributed to me due to identity theft. The account in question had several unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. TransUnion acknowledged the fraud and removed the account from my credit file on XX/XX/2023. 

However, as of XX/XX/2023, I discovered that TransUnion had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. I sent a police report, FTC report and documents proving my identity. XXXX are doing their best to suppress this issue at hand and I'm now prepared to litigate! 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the reporting agency and the creditor. The first attempt to address this FRAUD, XXXX came back in 2 days and said they did an investigation and it's verified not fraud. When I called XXXX to ask them how they performed their investigation, and to show proof, they could not provide details. I spoke to a supervisor and someone in the fraud dept. The continual mishandling of my credit file by TransUnion and XXXX in light of clear evidence of identity theft has caused ongoing financial and personal distress.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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-1 ( 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: Payday loan, title loan, personal loan, or advance loan

Ive received several emails threatening to garnish my wages from an imposter of Speedy Cash, if I did not respond within 6 hours. They asked for my debit card or else the case would be turned over to the courts TODAY. When I expressed that I didnt have the money right now due to returning from XXXX  XXXX, they said that I could pay XXXX/month. I asked if there was a number that I could call and they stated that because this was the final notice, the restitution department could not speak with me on the phone. I XXXX the attorney and company and called the Speedy Cash company directly and the agent conveyed that I did not have an account with them, nor are they affiliated with the place that I received my initial cash advance. They then instructed me to report the email information to the FTC and no longer respond to their emails.
Product: Consumer Loan

Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.
Product: Credit reporting or other personal consumer reports

The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with XXXX and XXXX. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. XXXX and XXXX replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.
Product: Vehicle loan or lease

I have contacted Hyundai Motor Finance ( Attention : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX ) in order to get my cars title with no success. I wrote them with respect to my XXXX XXXX XXXX XXXX : XXXX and my numerous attempts at receiving a copy of my title. The car was originally a lease, after which, I decided to purchase when the lease ended. My Hyundai account number is XXXX. 

Hyundai said they delivered my title on XX/XX/XXXX to my home address at XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX. However, I never received it. I have made numerous ( failed ) attempts and countless phone calls with customer service and Hyundai Titles Department to no avail. 

Specifically, on XX/XX/XXXX, I sent a request for a duplicate title through the Hyundai Titles Department. Despite sending the mailing to the correct address provided to me by your customer service, the mailing was lost and appeared to have never been received by Hyundai. The tracking for this first request is : XXXX. 

After calling countless times regarding my first request, I was told by a customer service manager to send another request, which I did. The tracking for my second request is XXXX. As youll see, my request was delivered to the front desk of the titles department on XX/XX/XXXX and was received by XXXX. 


I now am speaking to XXXX from Corporate and she said the request for a duplicate title has been rejected! The tracking number for this request is : XXXX. XXXX did not further assist me and I have not received a call back from her. Her direct line is : XXXX. 

As you can imagine, I am at my witts end. I have been dealing with customer service unsuccessfully for three whole months! Now corporate cant even help me! I have not been able to drive my car during this time, and consequently, I am now facing economic hardship due to the lack of customer service support or assistance from Hyundai, as I have not been able to get to work without my vehicle! 

I am beyond frustrated. I have paid for the car in full and have not been able to use my own vehicle. Please contact me at XXXX or email me at XXXX so that we may resolve this matter. 

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

As XXXX XXXX I wrote this letter to equifax I am writing this letter to request that Equifax Information Services LLC report XXXX current credit information to credit reporting agencies as required by law, and to inform you that your failure to report my credit information may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Adverse Action Laws, as established in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite having multiple credit accounts and a credit history, my current credit information is not being reported by Equifax. This is causing my credit score to be lower than it should be, and it is impacting my ability to obtain credit and other financial services. In addition, your failure to report my credit information may be in violation of the Adverse Action Laws, which require that you provide consumers with a notice of adverse action when you deny credit or take other negative actions based on information in their credit file. 
In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Supreme Court held that adverse action under the FCRA includes " a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, among other things. The Court further held that an adverse action notice is required whenever adverse action is taken, and that the notice must include certain information, such as the specific reasons for the adverse action, the credit score or other credit information relied upon, and the consumer 's right to obtain a free credit report from the reporting agency. 
Therefore, I am requesting that Equifax update my credit file to include my current credit information and any other relevant information, so that it accurately reflects my creditworthiness. The following are the details of my account ( s ) that I believe should be reported : [ List the name and account number ( s ) of any credit accounts that you believe should be reported ] I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Please let me know if you require any additional information to update my credit file. 
I appreciate your attention to this matter and request that you take prompt action to report my current credit information as required by law. If I do not hear from you within 30 days, I will be forced to take further action, including seeking legal counsel to ensure that my rights are protected. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Caller options do not suit my issue. TransUnoin credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX  had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. Thank You
Product: Mortgage

I hereby submit my complaints on how Gregory Funding has handled my mortgage ever since itwas transferredto them on XX/XX/XXXX. 

Complaint # 1 I requested for Covid forbearance on XX/XX/XXXX XXXX I spoke with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and no Covid Code had been put on my account. I asked her to escalate my request because Gregory Funding had mailed out a " demand '' letter which was going to expire on XX/XX/XXXX. 
I called again on XX/XX/XXXX and spoke with XXXX. She confirmed that they had received my Covid questionnaire and all supporting documents and that they had been forwarded to loss mitigation for review and processing. I also told her that my tenant had received approval for the XXXX ( XXXX XXXX XXXX XXXX ) but we were yet to receive the funds. Therefore, it made sense to put a Covid Code ( Covid Forbearance ) on my mortgage account as we waited for the funds. 

I am disappointed at the slow pace that Gregory funding is taking to handle my mortgage account yet they do not hesitate to send out correspondence that supports them to initiate the foreclosure process on my mortgage account. 

Complaint # 2 Gregory funding also mailed me monthly mortgage statements that misrepresented my suspense account balance. By doing so, they violated the Federal Fair Debt Collection Practices Act & Federal Truth In Lending Act. 

Complaint # 3 I received a letter dated XX/XX/XXXX from Gregory Funding titled " Notice Of Insurance Escrow Cancellation ''. It stated " As of XX/XX/XXXX, we will no longer disburse funds from your escrow account ( also called an " impound ' or " trust '' account ) to pay insurance premiums for hazard insurance because : X We are terminating your insurance escrow. 

Before Gregory Funding assumed my mortgage, I had an affordable mortgage payment which included taxes & insurance. As of today, my mortgage property taxes & insurance are NOT included in my monthly mortgage payment. 

Efforts to resolve the above complaints by phone have been fruitless due to long wait times on the phone ( 2 hour hold times ). 

Expected Result From Gregory Funding : 1. Covid Forbearance : Review my account for Covid Forbearance ASAP and stop my mortgage account from progressing towards foreclosure.

2. Affordable Mortgage Payment : To give me an affordable mortgage payment that includes taxes and insurance.

3. Trial Modification : Put me on a TRIAL MODIFICATION Immediately. 

Thank you for considering my request.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against BlockFi regarding the holding of my funds and their involvement in fraudulent activities. The timeline of events is as follows : - XXXX : ** I contacted BlockFi regarding the status of my funds. 
- XXXX : ** A fraudulent receipt was sent to me by BlockFi, indicating potential misconduct. 
- XXXX : ** XXXX from BlockFi mentioned that the check was on its way at XXXX XXXX  ; however, no resolution was provided. XXXX from BlockFi was unhelpful at XXXXXXXX XXXX. XXXX from BlockFi promised a resolution but failed to deliver at XXXXXXXX XXXX 
- XXXX : ** XXXX from BlockFi declined to connect me with a supervisor, hindering the resolution process. 
- XXXX : ** XXXX from BlockFi informed me that he could not assist in my fund withdrawal request. 

Additionally, I have been facing a prolonged issue where BlockFi has held {$10000.00} of my funds for over a year and a half. This has led to severe financial stress, causing mental health issues. I have documented multiple instances where assurances were made regarding the release of my funds, including a false XXXX payment. I showed XXXX XXXX that I completed the change of address request and he has done nothing, try to continue delaying the disbursement of my funds.
Product: Mortgage

Since 2001 our mortgage provider has been XXXX. A few months ago -- without our say-so -- we were informed Shellpoint was our new provider. 

XXXX has paid our homeowner 's policy to XXXX XXXX via our escrow account. 

XXXX XXXX XXXX is our main house. XXXX and XXXX XXXX XXXX are two cottages. We also have a barn. XXXX has paid out these policies to XXXX XXXX. 

Shellpoint is not paying XXXX XXXX for XXXX and XXXX XXXX XXXX, nor the barn. They have no understanding that these are two cottages ; they are entirely unaware that XXXX and XXXX XXXX have covered these for over a decade. 

Our address, XXXX XXXX XXXX, was changed a good decade ago from XXXX XXXX XXXX XXXX. Shellpoint also seems unable to understand this, although the name change is longstanding. 

I have called over and over again, to no avail. 

XXXX XXXX has sent over a complete file -- I called to check to see if Shellpoint had processed this, but was unable to reach anyone. 

Shell point needs to pay XXXX XXXX ASAP.
Product: Payday loan, title loan, or personal loan

Hyundai XXXX Finance Title Problems : I have been waiting for over 2 months Hyundai XXXX finance release my title. I purchased my vehicle XXXXat the end of lease, confirmed they received the check full amount {$29000.00} of purchase price on XX/XX/2021 and sent the odometer by mail and email 3 times. 
Also called the XXXX XXXX XXXXXXXX ( XXXX ) several time and received email from XXXX XXXXXXXX that they would be sent out the title 3-5 business days. No response! 
XXXX XXXX told me that my odometer was not signed, not true, the other XXXX and XXXX says they have staffing problems etc. so many excuses. 
They emailed me they forwarded my email to Lease Buy out Team, No Response! 
I complained to my dealer at XXXX XXXXXXXX XXXX XXXX, No Response! 

Hyundai XXXX doesn't care about customers once they finished the Lease. 
Please help me to get the my Title release from Hyundai XXXX XXXX XXXX XXXX.
Product: Consumer Loan

Applied for a consolidation from XXXX Chase using a XXXX appraised property as collateral. 

I felt from the beginning they were doing things to undermine us getting the loan because of our age or ethnicity. 

First they underestimated our income so the debt ratio was over the limit. 

When we brought this to their attention they added the payment of XXXX plus XXXX that the say we are deficient in rental income to the debt again to put us back over the debt ratio. 

The debt we would have after the loan would only be our house note and the loan note that they calculated to be XXXX. 

As you can see we have sufficient income to pay the note based on the their debt calculation whether we collect rent or not.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Product: Checking or savings account

Wells Fargo called and asked if I authorized XXXX XXXX to transfer funds ( two transactions ) from our checking account through XXXX, Wells Fargo. " I answered NO! How do I know you are who you say you are? " and he responded are you near a computer please look up the number I am calling you from on XXXX. I did as he requested and it came up as Wells Fargo Online Platform. 
They took {$990.00} and tried to take an additional {$490.00} but the funds were not available. The money was transferred from my XXXX Wells Fargo account to an email address - XXXX. 
This put me in overdraft. I would like to explain the incident in its entirety. They called me from a call center I could hear in the background. I did not authorize any of it.
Product: Payday loan, title loan, or personal loan

I have a current personal loan with happy money formerly Payoff. 
In XX/XX/2021 I was admit to the hospital with XXXX XXXX. This caused my payment to be late and now there is a late payment on my credit report.. 
I quickly made a double payment and asked them if then can please remove this late payment as I was sick with XXXX. 
Spoke to a guy named XXXX who quickly said no that he would not remove it. I even told him I can send him documentation on my hospital stay and ask if there could be an expectation. The answer was still no. 


Thank you