23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Regarding AMEX acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.
Product: Money transfer, virtual currency, or money service

I was lured into a scam by a company that was impersonating an exchanged could have been impersonating a company call XXXX XXXX. they guaranteed me a 40 % return on my investment. they have the same logo as XXXX XXXX, they took my money and then took the exchange down. this all happened during XXXX and XXXX of XXXX
Product: Debt collection

AFNI bought my account from XXXX. I have been dealing with this issue for several months. I am trying to buy my 1st home and this is hindering the process. I have literally been going through this since XX/XX/2016. 
I keep calling AFNI requesting an itemized list of the charges because I know I do not owe this amount. They sent a generic form saying I owe x amount of dollars but they wo n't tell me what I owe for. They tell me to call XXXX. I have called XXXX literally over 50 times and talked to numerous people ( because they transfer me to 4-8 different people. The last person usually " accidently '' hangs up on me. Anyway, everyone at XXXX tells me they ca n't tell me what I owe the money for because " their files are archived. '' I have told AFNI that XXXX can not give me any details. I told this to XXXX today. She says, " Well if XXXX ca n't give you any details because their files are archived, what makes you think we can? '' Therein lies the problem. They say I owe a debt of ( now ) {$930.00} but they can not support the " why '' part of the debt. I have a feeling I was charged for things such as early terminations ( I was out of contract ) and/or equipment return fees ( I hand delivered these to a representative, ) etc. Nobody can answer this question. I informed XXXX I was going to file this complaint today if I did n't have the information and she told me to go ahead and file because they do n't have any copies of bills and they only have the amount. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to XXXX, Equifax and XXXX asking them to please!! remove this error off of my credit report. I never got a response back, I then call Equifax and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX years I ask the lady why If I never applied for anything why would it stay on for XXXX years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as Follow ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

A late fee was applied last month. I paid the late fee with the note on XXXX XXXX. My next note is due XX/XX/XXXX, however a late fee is still included for the month. My interest rate balloons upward of 27 %. I've had the car two years and only about XXXX went to the principal. I have called several times to address both. They say the money will be applied properly and it normally takes two or more calls for them to make corrective action. I was also told they do not refinance.
Product: Vehicle loan or lease

XXXX XXXX ( " Buyer '' ) had made a payment of {$13000.00} to Hyundai Lease Titling Trust on XX/XX/XXXX for the purchase of a vehicle by the VIN number XXXX ( " Vehicle '' ), inclusive of Use Tax in the amount of {$1100.00}. 

However, Hyundai Motor Finance has failed to notify the government that the Use Tax has been paid by Buyer, resulting in failure to complete the title transfer from Hyundai Lease Titling Trust to Buyer, resulting in failure to renew the title of Vehicle. This has led to Vehicle registration being expired since XX/XX/XXXX, in addition to increased title registration fees, as well as legal counseling fees, and Buyer 's own time and effort, resulting in Buyer 's loss amounting to approximately {$5000.00}. 

Additionally, Buyer had contacted the title team for Hyundai Motor Finance 's failure to provide evidence, a XXXX form, to the federal government that the Use Tax had been paid by Hyundai motor finance. Title Team was instructed by Buyer to send the evidence of payment of use tax to the below address on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX, respectively : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, XXXX was assured that the document would arrive by XX/XX/XXXX. The document did not arrive by XX/XX/XXXX as promised. Consequently, Buyer followed up on XX/XX/XXXX for the third time and was assured that the document was mailed out and should arrive by XX/XX/XXXX. 

However, despite the expressed urgency of the request, Hyundai Motor Finance has failed to provide the requested documentation, as of XX/XX/XXXX, resulting in failure to complete the transfer of title since XXXX of XXXX, and consequently resulting in failure to complete the renewal of vehicle registration.
Product: Debt collection

As a result of a drunk driver hitting our children and totaling our daughter 's truck the Insurance company paid their portion and Ally contacted our GAP Company, XXXX directly instead of allowing us to do it. XXXX paid the balance Ally provided and now Ally is sending us an additional balance which is accruing interest and the phone calls are incessant. 
First, why would Ally contact XXXX instead of allowing us to file a claim? 
Second, why would Ally not send the proper payoff. The balance has doubled and it is negatively affecting our credit. 
Ally Acct # XXXX Accident XX/XX/XXXX XXXX Claim # XXXX XX/XX/XXXX Balance after insurance payout XXXX paid on GAP claim- {$200.00} Ally claiming we still owe {$100.00}. Now with interest up to {$200.00}. 
Why would Ally submit one amount to GAP for final payment and then continue to send us an amount due? 
Neither company will take responsibility for their mistake. XXXX ignores me completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

In XXXX XXXX I was aggressively contacted by Penny Mac Loan services, the originators of my mortgage, to refinance my mortgage with them to a lower interest rate. I dealt with XXXX XXXX, XXXX # XXXX California. He told me interest rates were at a historic low and I could refinance from a 4.1 % interest to a 3.5 % interest rate thus lowering my monthly mortgage payment. He also told me there would be no closing costs. 

I competed the refinance of my property because XXXX sold me on the lower interest rate. 

In XXXX of XXXX, I received a letter in the mail from PennyMac stating that my escrow account was overdrawn and I owed {$7300.00} to PennyMac to cover the cost of taxes. Penny Mac originally stated that the estimated taxes on my refinance were close to {$2000.00} and but now they are over {$5000.00}. When I reviewed my refinance, Penny Mac grossly underestimated my taxes in order to make it appear that I would have a lower payment. However, the estimate they used was not for a full tax year and they did not disclose to me how they came up with this number. I now owe them the escrow shortage and my payment is increasing {$300.00} per month. This is more than I was  originally paying before the refinance with the higher interest rate. 

I called PennyMac on XXXX/XXXX/XXXX to ask questions and explain that XXXX XXXX had mislead me. He knew the taxes were not accurate but he still used a underinflated number to make my payment appear low so he could receive his commission. 

In addition, I was told there would be no closing costs, something I asked about several times. Upon examination of the refinance, it looks like the closing costs were rolled into the loan amount which I am now paying interest on. 

This is clearly predatory loan practices considering that they did not disclose accurate information. As a consumer, I agreed to the {$2000.00} in property taxes and I trusted that XXXX was doing his due diligence to make sure my payments were accurate and correct. He was misleading on many levels and I should not be responsible for the {$7300.00} which is what the difference in taxes are from last year to this year. As a consumer, I was lead to believe that my taxes were a fair estimate and that there would be no closing costs to refinance.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX 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 WRIITTEN INSTRUCTIONS 15 U.S.C1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING 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 7 YEARS.

15 U.S.C 1681 s-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

My legal name is XXXX XXXX XXXX, aka as XXXX XXXX XXXX and XXXX XXXX. 

I reviewed Experian credit Report Number XXXX Investigation ID XXXX and under Personal Information there multiple misspelled names. Specifically, the following names are just misspelling of my name and should NOT be on the credit report : XXXX XXXX XXXX ( Name Identifier # XXXX ) ; XXXX XXXX XXXX ( name identifier # XXXX ) ; XXXX XXXX ( Name identifier # XXXX ) ; XXXX XXXX XXXX ( XXXX ) ; I open a dispute online, provided my identification and proof of address and received attached dispute results with the report # XXXX on XX/XX/year> that still shows misspelled names and asked me to contact the sources reported misspelled name. However, there are no sources provided and misspelled names should NOT be on the report anyway. 

I've also tried to register at www.experian.com and there was someone who already fraudulently registered using my identity and the email that I have never had.
Product: Checking or savings account

On XX/XX/XXXX, I sent XXXX dollars to my XXXX XXXX Account. I've been with Marcus since XX/XX/2024. I got an email saying I needed to call them immediately. I called, and they needed to access my account by sending a one-time passcode to my phone number. For some reason, they couldn't send the passcode to my number, and they told me they would send me an identification form in the mail in 7-10 business days, and I sent it back. I don't have time for this because I need my money in my account asap. I researched if other people have had this problem before, and it's been a problem for a while with Marcus that they do this to people and have people wait months on end.
Product: Mortgage

My wife and I purchased our first home and closed on XX/XX/2021. The closer, XXXX XXXX, XXXX collected and sent the wrong flood insurance payment to XXXX XXXX corporate. Our local insurance company, quickly rectified the problem by collecting the extra {$600.00}, and re-issuing our Flood insurance declaration to HOMEPOINT FINANCIAL, our mortgage company. Unfortunately, XXXX also has several different insurance declarations for my policy, which is very confusing. 

HOMEPOINT FINANCIAL refuses to acknowledge that we have adequate Flood insurance and is about to make us pay for forced flood insurance, despite many hours of phone calls, emails, and three way communication calls with me, our insurance carrier, and HOMEPOINT FINANCIAL. We have received at least two or three threatening letters per month from HOMEPOINT FINANCIAL, telling us we have insufficient coverage, then sufficient coverage, then insufficient coverage, then sufficient coverage, etc. On my most recent call to HOMEPOINT FINANCIAL last Monday I spoke to XXXX who 3 way called XXXX XXXX, and was emailed the correct updated insurance declaration. XXXX assured me this problem was solved, that she sent and email to the department stating I had adequate flood insurance that that department had received the email and that I was going to receive one final letter stating HOMEPOINT FINANCIAL was cancelling the forced insurance. INSTEAD, I was sent a FINAL NOTICE LETTER, stating I will be charged THOUSANDS OF DOLLARS for FORCED FLOOD INSURANCE that I already have and have always had since we purchased this home. This is an absolute nightmare, I don't know what to do, or who to turn to for help. No matter how many times we contact HOMEPOINT FINANCIAL, or what we send to them, THEY REFUSE TO ACCEPT mine, or XXXX XXXX binding legal flood insurance documents as proof of insurance. HOMEPOINT FINANCIAL seems bent of ILLEGALLY STEALING OUR MONEY. PLEASE PLEASE PLEASE, SOMEBODY HELP US!! Is there any way to prevent HOMEPOINT FINANCIAL FROM STEALING FROM US???
Product: Debt collection

I am being harassed for tuition from XXXX XXXX XXXX XXXX and Williamd & Fudge Inc. for a semester of school that I never attended due to the COVID shut down. I unenrolled for the 2 classes with the school 3 times. The school was shut down due to COVID and classes were all changed to online which I never agreed to or attended. I have learning issues and online learning would not fit my situation. the bill is XXXX and in collection and it is not accurate. I have paid for all of my schooling that I have attended in the past.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried sending money to my wife in XXXX through " XE " a money transfer company. They ask to connect them to my bank XXXX thru thru service call XXXX  which I did. Subsequently they requested a copy of my passport to be uploaded to verify my information, which I did. I received a message that something went wrong, so I tried it with my drivers license and received the same message that something went wrong. Than I received a message that my account was closed and all transactions cancelled and my the copies of my passport and Drivers license will be held by them. Furthermore they refuse to tell me why they cancel my transactions or why they keep my info. i am not sure if this was a scam to get connected to my bank account and all pertinent info about me and if they are legit why they cancel this transaction. 
Your assistance will be greatly appreciated
Product: Credit reporting or other personal consumer reports

This is the letter I wrote to them requesting remov

al of two accounts they were reporting. I am writing to dispute inaccurate information on my credit report. The
account in question has several errors that need immediate attention : Incorrect Date of Closure : The reported closure date is inaccurate. The account was paid off and closed years prior to the reported date.

Negative Reporting on a {$0.00} Balance : Despite a {$0.00} balance, the account is still being reported negatively. This is unjust and misleading. 

Expired Reporting Limitation : The account should have been removed from my credit report as it has exceeded the seven-year retention period.

I kindly request that you investigate and correct these discrepancies promptly. Accurate reporting is crucial for maintaining a fair credit history. Please provide written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX to whom it may concern This letter is my formal written request for you to investigate the following & quot ; Unverified & quot ; accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed Immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Statement cycled on XX/XX/2021 for a full balance of {$910.00}. I made 2 payments, 1st was on XX/XX/2021 for {$110.00} and then the 2nd on XX/XX/2021 for the remainder balance of {$800.00}. The due date was on XX/XX/2021. Since I paid the balance in full is should not be charged the interest in the next month of {$6.00} that is showing due by XX/XX/2021.
Product: Checking or savings account

Hello, it has been above 10 days since I last submitted my claim which I believe is in violation of reg E. Their policy. Since XX/XX/year> I filed two disputes and still have not gotten my provisional credit.
Product: Debt collection

PAY ATTENTION CFPB first, Phoenix Recovery responded and said they attached documentation that was not included. When I followed up, they sent incomplete information. For a contract to be considered legally binding, you must produce the entire contract. A portion of a contract can not be enforced on its own as the reader has no idea of the contents and terms of the undisclosed portion. Without producing Pages 2-7 of the contract, I have no idea what the terms of the contract are. Without pages 2-7, PRG does not have an enforceable contract and therefore is not entitled to collect on an unenforceable contract, and I demand that they immediately remove this account from the credit bureau reported as you have not established a legal right to collect any debt. Your refusal to comply with my request to remove the account from credit bureau reporting may make you liable for additional willful or negligent FCRA violations under Sec 616 and 617. I also noticed the account number was changed from XXXX to XXXX, which seems to be an attempt to re-age the account. That has to be an FCRA or FDCPA violation and an attempt to manipulate the reported information!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by a lender on XXXX, however my FICO score was unavailable from Equifax. I called Equifax twice on XX/XX/05 and spoke with two representatives to see what could have occurred. Neither one of them could pull up my account, I provided an Equifax confirmation number on one of the calls.
Product: Credit reporting or other personal consumer reports

id theft victim these following accounts do not belong to me XXXX XXXX XXXX XXXX. Authorized user XXXX Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX  XXXX and report the user of this card. I have my own XXXX XXXX card. 


XXXX XXXXXXXX card ending in XXXX balance is paid in full
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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