23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Quicken Loans refused to provide a Good Faith estimate on a refi mortgage that they already held the mortgage. I asked for it for over three months XXXX. When the notary showed up to close our refi, I told her I wanted to see the numbers. When I received The HUD-1, I was shocked to see well over {$10000.00} in closing costs on a loan they currently held. I stopped the closing. Reps from Quicken berated me for wasting their time. I again asked for a Good Faith Estimate. The Quicken rep said they dont do that. I explained it is law that they provide me with the numbers so I can make an educated decision. They refused to provide it and screamed at me for not closing. After speaking with me, they called my husband and tried to pit us against each other. We laughed that they would use middle school tactics to come between a husband and a wife. So unprofessional. Now they wont leave me alone. They continue to infiltrate my email beating me up trying to get a loan out of me. I delete and block every correspondence from Quicken. After hundreds of requests to leave me alone, they send two or three emails for everything one I block or delete. Their strong arm tactics should be investigated.
Product: Vehicle loan or lease

Drive time employees may or may not know the consumer laws when it comes to financing a vehicle. I told an employee whos worked at this specific location that according to XXXX anything theres a transaction involved with a consumer credit transaction cash is not involved in any transaction. There are disclosures that supposed to be expressed to the consumers ( me ) clearly and conspicuously to prevent me from being mislead by predatory lending practices by these sharks. 
The vehicle I was observing is a XXXX  XXXX XXXX XXXX XXXX with XXXX for a price of {$16000.00} with payments around {$600.00}. This type of lending is predatory lending. After, I was able to do my own research, this same vehicle cost is roughly equivalent to {$12000.00} and on a low end of {$9500.00}. Theres no way this vehicle should cost this much. This vehicle has lost a great ton of value. The depreciation goes down dramatically by the minute and the dealer wants me to pay more than what the vehicle actually costs. You have to be desperately to fall victim to such predatory lending practices and behaviors. I wasnt able to understand the true cost of credit, and to comparison shop for credit. How could I make an educated informed decision or even shop around if Im being a targeted and being a victim to this type of behavior. The law states that a finance charge is the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 

I told an employee that and I was being ignored. I didnt get the car because of the predatory lending at this location. Then, they asked for a {$800.00} down payment after I told that employee that a finance charge does not include charges of a type payable in a comparable cash transaction. Charges payable in comparable cash transaction includes taxes, title, license fees, or registration fees paid in connection with an automobile purchase. Cash down payments are not included. 

Creditors must retain evidence of compliance with the regulations and the TILA and failure to disclose importance disclosures will lead to significant monetary damages to the creditor.
Product: Mortgage

I believe Fifth Third Bank if overcharging me I can never get a straight answer from them. 
They charge me charges on top of charges They promise I am current, Then the next moth send me bills with fees and other charges.
Product: Prepaid card

On XX/XX/XXXX, my XXXX XXXX gift card was charged for the amount of {$240.00} to ahavestore.com. I called the company I believe for the first time on XX/XX/XXXX, or XX/XX/XXXX. The opened a claim and collected minimal information, the only thing they asked was which transaction, and are any more charges fraudulent. Personal information as well. On XX/XX/XXXX the sent an email saying an investigation found the dispute to be false. I called again and received no direct answer as to why. As of XX/XX/XXXX I received an email stating they did not find it a valid dispute due to us giving the card information to others apparently. No context beyond that. I called again and they said it was due to charges being split between California and Idaho. We live in Idaho and went to California for XXXX and received it there so it was used there first. They then refused to reopen the case stating once its closed it can not be reopened and it was closed under false assumptions.
Product: Mortgage

Our mortgage was increased by {$400.00}. We requested a new XXXX that took them 5 months to do. They did it without the correct tax information. Our taxes are around {$1700.00} a year, they are charging us. {$550.00} a month in land taxes on our mortgage. We sent them the correct tax amount, the tax offices have sent it : they continue to over charge us where we can not afford the payment, we even got a letter of foreclosure in the mail when I said we were getting an attorney they took it back. But they continue to charge us over {$6000.00} a year in property taxes on our monthly mortgage when it is only {$1700.00} a year. Our original monthly payment was $ XXXX it is now {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : ( 1. ) XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, EQUIFAX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, Synchrony Bank has failed to remove two inquires from my XXXX Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : SYNCBChevron DC XX/XX/XXXX SYNCBTJX CO Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by Synchrony bank advising that they have requested removal was sent to XXXX by uploading to their website and they haven't removed to date.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

In XX/XX/2023, I bought a XXXX XXXX XXXX XXXX with {$500.00} balance. 
Upon opening the card, I found that the strip is covered by the glue from the package thus it can not be used. 
Since then I opened a case with them to get a replacement card. 
I contacted them multiple times and only responses I have is to wait. 
Card number I bought is : XXXX My Case number with them XXXX
Product: Credit card

I have 2 credit cards through Synchrony bank .1 care credit .2 discount tire They reduced my credit limit on both cards despite my payment record I have no late or missed payments, I pay more than my minimum payment each month They illegally pull my credit and and on a predicament the reduced care care 50 % and discount tire from XXXX $ dollars to XXXX $ and one reason was no real estate information on my credit report
Product: Debt collection

I called exchange services and let them know there was an error, The system was not accepting my payment method and would not let me login. They assured me this was getting taken care of and I could ignore future notices. They then submitted a garnishment notice to my employer, and intercepted my tax refund. Debt was payed off XX/XX/XXXX and they are still garnishing wages ( XX/XX/XXXX ). When I called they told me " You have to find it with your payroll department we will not send out a cancellation '' When I asked where the nearly XXXX extra they collected went they said " you have to get that back from your employer '' ignoring the fact that my account shows a negative balance and they did cash all the checks. I called them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They do not show and conveniently do not have the record from the XX/XX/XXXX call. The letter states " you have a credit balance please call and request a refund '' which they vehemently refused to give me.
Product: Consumer Loan

I purchased a XXXX in 2006. I paid {$750.00} as down payment to the dealer. XXXX weeks later dealer called and said XXXX financing is unwilling to finance the vehicle. So I returned the vehicle to the dealer. XXXX weeks later dealer called and said they found a financier and paid {$7000.00} as down payment and purchased the vehicle. XXXX years later wells fargo dealer services bought the company and took the loan over. I was told by the original financier the {$750.00} I paid will be applied towards XXXX car loan payments. 

This has been XXXX years wells fargo claims I owe them {$750.00} annd unwilling to give my title to me. 

The XXXX division of Motorvehicles asked a copy of the title to register the car XXXX times and they have not responded to their request or my request. 

I need help in getting my title and do not make me pay a loan twice
Product: Debt collection

I have disputed this collection, this is NOT mine. Please help I have requested validation and nothing has come.
Product: Debt collection

XXXX was my aunt she stole allmy identity stuff. .id birth certificate social security card everything..i caught her n pressed fraud on her for falsely impersonate me to get dentures ... Please my mom destroyed my credit i was rebuilding n now she doing tbis my aunt
Product: Vehicle loan or lease

Myself and XXXX has contacted the bank numerous times requesting the letter of salvage so XXXX can payoff the loan for a totaled vehicle. 
Bank is refusing to send required letter of salvage to XXXX so that payoff can be sent and overpayment is sent to me to obtain another vehicle ASAP. 
I am without a vehicle and in the middle of purchasing another vehicle. 
I am simply asking for escalation to send the required letter of salvage to XXXX ASAP and a refund for a service warranty that has been canceled with dealership due to car being totaled
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payments or payments being made late that are not proven and are incorrect
Product: Mortgage

The State of Florida 's Homeowner Assistance Fund XXXX XXXX XXXX  has been paying my mortgage directly to Cross Country Mortgage since XX/XX/2022. In XXXX, I started receiving calls and notices that my mortgage payment was late. I called the State of Florida 's DEO Homeowner Assistance Fund Team, who informed me that my payment was sent as normal. I called Cross Country and the State of Florida numerous times trying to resolve this to no avail. I made a direct payment to Cross Country for the past due mortgage payment to try and make sure that my credit wasn't affected by this issue between the State of Florida and Cross Country. Subsequently, I again started getting calls about my payment for XXXX being late. I again placed several calls to both the State of Florida and Cross Country. Cross Country indicated that they were aware of some issue, but couldn't elaborate. After continuing to call and research this problem I was made aware that Cross Country changed their mortgage servicer to a company called XXXX. I called their number, which rang through to Cross Country. I was told by them that the servicer wasn't the issue, and to ask the State again for information. When I called the State back, she indicated that they were having issues with ALL Cross Country mortgage payments that they are making on behalf of claimants, and told me that they even had an all staff meeting to discuss. I was last told that this was being escalated by the State of Florida to some form of outreach to Cross Country.
Product: Credit reporting or other personal consumer reports

This account has been investigated numerous of times through direct dispute with EXPERIAN and XXXX as well as CFPB Complaints ( XXXX, XXXX, and XXXX ) but inaccurate information remains on the account despite the fact that consumer is entitled to a fair and thorough investigation to provide accurate information as required under FCRA. Since this has not happened and has violated consumer 's right to privacy and accurate credit report, consumer demands that the account be deleted from credit report. The inaccurate information is coming from one company, XXXX. Payment history reported by Experian is inaccurate and payment history is totally omitted from XXXX. Moreover, activity dates also conflict between Experian and XXXX and XXXX which is being reported from one company furthermore highlights the inaccuracy issue which violates consumer rights. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was not aware that a judgment has been placed to our house until we applied for a refinance of the house. What happened was XXXX XXXX XXXX offered me a service to be able to accept credit cards as payments for my business. I agreed to it and signed the contract but after a few days I found out that there were more fees to pay each that was not told during the presentation. So I cancelled it right away but they won't let me. I didn't even get a chance to touch or use their device. They kept harassing us to pay for a year contract but I told them that I'm not paying for it. Little did I know that on XX/XX/XXXX a judgment of {$1500.00} was against me in favor of XXXX XXXX XXXX. 

Because we want to proceed to the closing of the loan the Title Company tried to contact XXXX XXXX XXXX but was unable to locate them anymore. After a lengthy research they found that it is now handled by the XXXX XXXX. So the XXXX XXXX  XXXX XXXX immediately reached out to the XXXX XXXX to get the payoff amount but to no avail. The XXXX XXXX  XXXX XXXX have reached out to XXXX XXXX 10 times between XX/XX/XXXX and XX/XX/XXXX. They have talked to several contacts on several dates and did not get the payoff needed. We are unable to move forward without a payoff from XXXX XXXX. I myself attempted to call several times and the same result. It's costing us more due to the interest lock in had expired. 

I need your help please!! My case number XXXX and the XXXX XXXX phone # XXXX. The last contact made by the Title Co. was on XX/XX/XXXX and was transferred to lien specialist at Ext XXXX, spoke with XXXX and my name was provided and she stated that she didn't remember seeing that account but will review the request and will get to us as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing 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. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act. ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts that I have marked as inaccurate ; XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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: Mortgage

I switched homeowner insurance companies in the middle of my policy. My servicer, LoanCare, refused to cut a check to the insurance company for the amount of my new premium because they claimed it " was n't their policy to submit XXXX checks to insurance companies within 12 months. '' I spent over an hour and a half arguing with different people in different departments and was told someone would call me back. Because of LoanCare 's gross negligence, my insurance payment is now 24 days late as of XXXX/XXXX/2016.
Product: Mortgage

I had paid my homeowners insurance to avoid cancelation and a payment was issued to Loan Depot for a little over XXXX which was suppose to be applied to my escrow account and instead they applied it to principle. I've contacted them numorous times to have that applied to my escrow account in order to refund me. 

Instead they refunded me and shorted my escrow account yet refuse to properly post the initial payment to the escrow account instead of the principle balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. 
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 cancelled my XXXX service on XXXX XXXX, 2015. I was told by the representative that my final balance was XXXX. XXXX never sent me any bill or demand. Instead, on XXXX XXXX, I received a collection letter from XXXX, a collection company. I filed a complaint with the Bureau of XXXX Financial Protection, and XXXX ceased working on my account XXXX Case number : XXXX ]. Subsequently, on XXXX XXXX, 2015, I received a new collection letter from a different company : Robinson, Reagan and Young, P.L.L.C. Since I have never received any bill or request from XXXX, and since they referred my account to collection agencies after telling me I had a XXXX balance when I cancelled, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in multiple of letters to Experian, XXXX XXXX XXXX to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for me
Product: Credit reporting or other personal consumer reports

I just checked my credit score and realized a credit card in my name that I never opened. The credit card is called XXXX and there is a {$8300.00} balance. I didn't even know about this card. I contacted XXXX and tried to notify them this is fraud and they absolutely refused to close the account.
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 XXXXXXXX, 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-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.