23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a conventional mortgage through Homeside Financial LLC, serviced through XXXX XXXX. This will be our second year in our home and in early XXXX we received our Real estate tax paid receipt, which showed a paid amount of {$2400.00}. We also received our end of the year escrow analysis stating that our monthly mortgage payment would remain the same at {$1800.00}. All of that looked good. Until we received our XXXX mortgage bill and noticed that our Escrow account was in the negative by over {$10000.00}. When we called the county tax office, they stated that the taxes on our house were paid in full and that we would need to contact our mortgage provider for further details. We called them right away ( early XXXX ) and tried to get answers in regards to what happened and how we could get this resolved. I logged into our online account to find that there were 4 additional county tax payments made from our escrow account on properties that we do not own and do not have any relation to. The amounts are as follows .... 

* {$6900.00} * {$2500.00} * {$1600.00} * {$100.00} We have been in contact almost everyday since early XXXX trying to get this taken care of and they keep " opening tickets '' to have this investigated but every time we call for an update, the completion date gets pushed farther and farther back with no answers. At the end of XXXX we received a " new '' Escrow analysis stating that we are short {$12000.00} and that our mortgage payment will be increasing to {$3900.00} on XX/XX/XXXX. Over double what we should be paying! We have done everything in our power since the beginning of XXXX to get this fixed before that higher payment would take effect but we still have no results. Every time we call for an update, we are only able to speak with their customer service department who reads the notes on the account, we are never able to speak with the same person. And as of this morning, XX/XX/22, we called for an update and find out that they are selling our mortgage and that we will have to pay the higher payment and wait for a refund as everything will be transferred to the new company. Completely unacceptable.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX
Product: Payday loan

I applied for a payday loan on XXXX XXXX with big picture loans. After applying I was told I was approved for {$1000.00} with a {$500.00} finance charge. I was not given a truth in lending disclosure until after the transaction was complete where I saw that it was actually {$1000.00} with {$7000.00} in finance charges. My contract says that I have 15 days to be late before any fee is applied and to pay off the initial balance which would only be {$1500.00}. I tried calling big picture loans to extend the payment date to next week to where I would just pay off the entire XXXX and they refused to stop the payment. The contract says that payment can be changed to business days prior. I did stop payment with the bank but was told that if they change their vendor name by even XXXX number that they still may be able to take the payment out, even though I called on the XXXX which was three days prior to the due date on the XXXX and told them that they no longer had permission to debit my account. unfortunately the contract only opens in my online account and can not be saved
Product: Debt collection

Calling for someone I do not know and is not me. I do not have a credit card or have unpaid debt. My telephone number is registered under my name and has been for 10 years. Calls come in at XXXX ( XX/XX/20 ) on a Saturday and have called several times ( XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 ) on spoofed numbers with the XXXX area code. Will not issue a written statement to me or provide me with the recorded calls. They also refuse to contact my attorney, instead contacting me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my XXXX XXXX that I did not recognize/authorize on XX/XX/2020. 

The company is : Syncb/ XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoken with All Creditors and Bureaus in question to remove Accounts that were fraudulently opened on my credit report. 

Sent multiple FTC reports to XXXX, XXXX, and XXXX in regards to Identity theft. These accounts were never Removed. Ive called every day to follow up with each company for the last two weeks after initially starting the disputes in XXXX. I received Not much changes. 

XXXX has removed some accounts ( XXXX XXXX  ) for fraud while XXXX and XXXX still report inaccurate information that came from fraud. 

I have sent mail as well as uploaded my documents to XXXX. They claim theyve never received the documents I mailed. I asked if they could have a person manually review my Documents because they do highlight fraud on my account and the response from XXXX representatives was that this was not possible. 
I then asked if my contactual agreement between XXXX and myself allowed me to request manual review of my documents, the rep responded yes but could not complete my request as their companies policy allows for A.I. machine to review and place a determination on my report. I said to the Manger who I spoke with from XXXX earlier today that I didnt ask for a robot or machine to review my documents. She then told me it was nothing that could be done. She left me one option which was to set aside time again and reprint the documents to have them taken to the post office for Mail when I fully explained that I have done this in the past and have receipts to prove this. I was instructed on the phone by a representative to upload my documents to the online portal where they would be reviewed. The agent never specified that it would not be reviewed by a person in which it was clear in the conversation that a personal review is what I was looking for. I also explained I am going up for a mortgage have kids and am being affected daily by my consumer report with is filled with Fraud that I need a manual review so my decision can be delivered in a reasonable amount of time that doesnt allow for me to miss the opportunity to mortgage my home.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account XXXX ) had 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 1792 ) prohibits collectors from various unfair practices, such as failing to validate the debt obligation, threatening litigation or other legal action, collecting on or reporting to credit on a debt you don't owe, harassing you, and engaging in fraudulent behavior.XXXX?
Product: Mortgage

On XX/XX/22 contacted XXXX XXXX of PennyMac regarding a streamline refinancing. He discussed the requirements and took application. I informed him wife XXXX need to be on application because we were joint tenants. On XXXX I again sent message stating wife needs to be on loan. On XXXX I was called by closer XXXX XXXX XXXX and she stated she needed my wife 's information. I provided and vented about the process. I asked why the company did not ask for documents up front and not as they go along in the process indicated it was frustrating to the customer. I was told she would schedule closing in the next 48 hours. On XX/XX/22 I sent a request to XXXX XXXX XXXX and asked why was the loan origination over {$6000.00} on a VA XXXX refinance he never answered my question. On XX/XX/22 the loan closer XXXX XXXX called my wife and told her XXXX XXXX XXXX called her and said PennyMac could not do the loan because my wifes 's credit score was too low. I called and questioned XXXX XXXX and asked why performed a credit check and there was not a requirement to do so on a VA XXXX  refinance. He responded PennyMac does not accept loans unless credit score is a at or above XXXX. I asked why was you not upfront and did not state PennyMac had additional requirements to a VA XXXX  refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the fraud alert associated with my credit across Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had XXXX late that was paid on time. The Consumer Reporting Agency has an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XX/XX/year>. I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle 's handling of disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

I purchased a used car from Carvana, which was delivered to me on XX/XX/2022. Per their policy, I had 7 days to test the vehicle before accepting the sale, which I did. Because of the terms of Carvana 's 7-day test drive policy, my credit union ( or any third-party lender ) would not allow me to finance the vehicle directly because I did not have ownership of the vehicle. As a result, I had to accept Carvana 's 7.37 % interest rate on a {$13000.00} loan. This rate does not reflect the market rate for my credit score ( approximately XXXX ) or for the amount of cash I put down on the vehicle ( {$13000.00} ). My intention was to immediately refinance this loan to my credit union, which offered me a rate of 1.9 %. 
However, Carvana delayed the delivery of the title to me until XX/XX/2022, which forced me to make a first payment at the 7.37 % interest rate. In addition, the loan is owned by a company called XXXX, which is responsible for providing me with a 10 to 15 day payoff letter so I can begin the refinancing. However, this company does not provide a means to speak with a representative directly, and using their automated phone system requires the user to accept a charge of {$3.00} to just get the loan balance. It does not allow you to contact anyone directly or take any further action. All of this suggests, that Carvana 's business model is designed to lock users into a high-interest rate loan for a vehicle, without giving them a viable option to use a third-party lender, or to easily refinance that loan to a third-party lender. I am still trying to resolve this issue with Carvana, but my experience is that Carvana 's business model is designed to exploit a consumer 's inertia to proactively take actions to change the terms of the loan, or a consumer 's inability to navigate the complexity of this process to take action to refinance a loan to a better rate. Thanks you for your attention to this matter.
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 items 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 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXXL Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX  Inquiry Date XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 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: Consumer Loan

In XXXX I purchased my first car from XXXX XXXX, Ford Motor Credit actually financed the deal for me. The car was repossessed in XXXX. This information is still being reported 16 years later. I 've worked with the Credit Bureaus who advised I needed to contact Ford Motor Credit directly. I reached out to Ford was transferred to a couple different departments and left a voice message. I received a call back from someone who said they were looking into it. Yet and still this is still being reported on my credit as an OPEN account. I 've been denied credit due to repossession recently and this is the only repossession in my history. This has made my credit appear worse than what it is. I 've struggled trying to clean up my credit even recently filing Chapter XXXX Bankruptcy which is now discharged. Still this account remains.
Product: Mortgage

I was interested to finding out information about purchasing a home and sought to speak with a load specialist company, and was approached via XXXX by Certified Mortgage Planners. 

They misrepresented when my credit would be checked and how many times it would be checked. My credit had been pulled twice ( XXXX XXXX/XXXX/2016, then again on XXXX/XXXX/2016 ) despite the fact that I was told by them that it would only be pulled once after consenting. 

They misrepresented the role student debt would play in my application, first stating that my student loans were not a problem on XXXX/XXXX/2016 but then provided directly conflicting information, stating that they were a problem per our conversation on XXXX/XXXX/2016. 

They told me on XXXX/XXXX/2016 that I was no longer eligible to be pre-qualified for the discussed amount and that would need to wait 30 days in hopes for my credit score to go up to XXXX " so maybe we can work something out '', when their decision to pull my credit twice, the first time without my consent or authorization and in direct conflict with my directive, may have directly adverse consequences on the score. 

I then consulted directly with the Consumer Financial Protections Bureau, which guided me to inform the mortgage planning company and the credit company, Certified Credit Reporting, to have them correct and withdraw XXXX of the credit inquiries there were done on my credit. 

I contacted Certified Mortgage Planners with a formal request to correct and withdraw XXXX of the credit inquiries related to my inquiry into financing a home purchase via email on XXXX/XXXX/2016, never got a response back. 

Then I proceeded to contact the credit company, Certified Credit Reporting, to explain the situation and was given to a run around without a straight answer but to email ( sent on XXXX/XXXX/16 ) the manager, a XXXX XXXX, because she was the only one that could send out the paper to the credit bureaus in order to correct and withdraw both of the credit inquiries. She proceeded to contact me when I was unavailable, and when I called back the number she provided, then she was unavailable. 

As of today, XXXX/XXXX/2016, the has been no resolution and the credit inquiries are still showing in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

All hard inquiries were not approved by me. Were not authorized by me. There are multiple hard inquiries on my credit that I did not approve. I have not applied for nor have I requested any type of credit card, loan, anything having to do with my credit or Social Security card. I found out that a car dealership decided to run my credit multiple times when I already had a lender approved and specifically asked to use the same lender that I have been working with for three years and making payments to her three years. When it was time to renew my lease the dealership without my knowledge ran my credit multiple times and I still ended up with the same lender. Per my request. The dealership acknowledged that I did not authorize them to do such and stated to file a complaint with the consumer finance department as they were unable to remove the heart inquiry themselves. I did try to resolve this with the dealership and they were unable to remove the hard increase. This is affecting my credit score greatly. I have been working very diligently to approve my credit and refuse to allow anyone to run my credit or social for any reason!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified from my credit monitoring services of a frudlint inquirie on my XXXX credit report, then on XX/XX/XXXX I received XXXX more alerts of frudlint inquiries from U.S. bank I also notified them immediately to get them removed from my XXXX credit report, I've reached out to both companies with no luck I would greatly appreciate your help with removing theses frudlint inquiries from my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Innovis is alleging I was late on the account listed as XXXX XXXX. I want to the evidence used to come to this conclusion because Innovis should not have access to my personal financial data if they are not affiliated with the company. Furthermore Innovis is a data furnisher that sells private information of consumers but you did not receive my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Premium Credit Burea hard inquiry is on my credit report but its not belong to me
Product: Money transfer, virtual currency, or money service

My XXXX has been hacked some XXXX Bank of America systems went down and now I have been unable to access my XXXX still til this day!
Product: Debt collection

i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signature or copies of my personal information.
Product: Debt collection

I received a call today on XXXX at around XXXX p.m. from a young lady who claimed to work for XXXX XXXX. She asked for me by name I'm going to ask her what she wanted she said if she needed to speak with me and I said yes that's me What do you want and she said it's a personal business matter and I said again I've identified myself what do you want and then she said she would just call him back at another time and hung up in my face. So I called them back told the woman who answered and she transferred me to a man who I then told. He took my information he got my phone number and then he asked me for my birthday which I refuse to give him and then he started yelling at me that if I don't provide them with this information that they can't provide me with a reason as to why they're calling. I'm not giving out my personal information to anyone. The fact that I identified myself by name and I answered the phone number that they called me on and then I even called them back to tell them who I was and to ask them why they're calling should have been enough of an indicator that I am the person that they were trying to reach. If they still refused and then to start screaming at me on the phone was absolutely unacceptable. I started yelling back at him and then he hung up on the phone. From my understanding they are required to tell me what they want with me and while I do understand also that they can ask for personal information, I'm not giving out my personal information to any person who I don't know on the phone no matter where they work. And so if these people are wanting to collect money from me, the first thing they're going to have to do is tell me what it is that I owe and otherwise if they're just going to continue calling that's just harassment because now at this point I had XXXX phone calls with these people and I still don't know what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$11000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX Collection