23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing this complaint against XXXX Mortgage XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX IN XXXX Essentially, in computing my escrow account, they doubled my summer taxes. In Michigan we pay summer taxes which are much higher than winter taxes. For ex summer tax XXXX winter tax XXXX. Instead of estimating my winter tax based on the increase of summer tax, compared to XXXX or simple math and applying the new calculation, they DOUBLED my summer tax and increased my monthly house payment by XXXX a month. I called the spoke to the tax department XX/XX/XXXX and uploaded all proofs of winter tax I received and then followed up with them on Tuesday XX/XX/XXXX. They refuse to acknowledge their errors and insist I pay the additional XXXX a month until the city of XXXX Michigan publicly publishes the winter tax amount. So in essence their accounting practices are predatory in nature. Their research consists of going to the citys website and if new taxes are not published they double your most recently paid amount. Ive owned several homes and this has NEVER happened. I am hitting a brick wall with them and I did not chose this company but was sold to them. XXXX Mortgage XXXX XXXX is unethical, predatory and committing fraud on homeowners.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and found that this item is still reported negatively in my file. 
I have already contacted the bank, and they agreed to update this account as closed/never late. This disputed item must be reinvestigated and updated within 30 days. 
Please investigate this matter and correct the outlined items as soon as possible. XXXX XXXX XXXX XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against Wells Fargo , Plaintiff 's Attorney XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX NY XXXX and referee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for Violation of Due Process Rights in Foreclosure Auction ( Case No. XXXX ), and violation my consumer rights to PRIVACY & CONSENT. 

DEAR CFPB, I am writing to file a formal complaint against Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX, XXXX regarding their handling of the foreclosure auction of my property scheduled for XX/XX/XXXX, associated with case number XXXX. 

I. Violation of XXXX Real Property Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004 The foreclosure process undertaken by Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX has failed to adhere to the required procedural steps as mandated by XXXX XXXX XXXX  Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004. This non-compliance has resulted in a violation of my due process rights. 

II. Request for CFPB Intervention I respectfully request that the CFPB investigate these violations. Wells Fargo, XXXX XXXX XXXX XXXX the plaintiff 's attorney, and referee XXXX XXXX XXXX XXXX do not possess the jurisdiction to proceed with the auction of my property based on their procedural misconduct. 

III. Conclusion The actions of Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX have not only disregarded legal procedures but also my rights as a consumer. I urge the CFPB to take immediate action to address these violations and to assist in halting the scheduled foreclosure auction. 

XXXX XXXX XXXX  WELLS FARGO CONTINUES TO SHOW UNCLEAN HANDS AND FRAUD UPON THE COURT XXXX XXXX XXXX 

XXXXAS A CONSUMER AND XXXX AS MY CREATORXXXX Thank you for your attention to this serious matter. I am looking forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX text or call CFPB ONLY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time submitting this dispute. 
COMPLAINT # XXXX COMPANY STATED THEY COULD NOT VERIFY MY IDENTITY, PROVIDED MY LAST 4 OF SOCIAL AND FULL NAME TO COMPLAINT # XXXX. MEDICREDIT INC IS REPORTING ON MY CREDIT A TOTAL {$1900.00}. i HAVE NEVER RECEIVED A BILL IN THIS AMOUNT OR ANY NOTIFICATION THAT I OWED SUCH AMOUNT. I HAVE WRITTEN THE COMPANY TO REQUEST PROOF OF DEBT WITH NO RESPONSE. 

I have attached what they are reporting on my credit.
Product: Credit reporting or other personal consumer reports

I got a vehicle financed by XXXX XXXX in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I lost my job due to the XXXX  and I asked them ( XXXX ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me that he was tired of scammers XXXX that are trying to steal cars taking advantage of the pandemic situation, I explained that my payments were on time and he kept insulting me with unreapeatable words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 3 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Checking or savings account

I tried to resolve the complaint with Marcus by Golden Sachs itself before I submitted the complaint to CFPB. However, I did not receive Golden Sachs callback as its agent promised. This is the reason why I submitted the complaint to CFPB on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  holiday, Golden Sachs called me back and disguised itself as it was addressing my CFPB complaint. 

According to my knowledge, they should respond to me through CFPB account. So I asked the agent what was my proposed solution. He just mentioned one of them, and told me that my request was denied. I questioned him what the other two proposed solutions I mentioned in CFPB complaints. He was unable to answer and transferred the conversation to his so-called supervisor. 

However, he recognized himself as the supervisor agent and his level is the highest level I could speak over phone. How can he transfer our conversation to his supervisor and have his supervisor talk with me? 

The processing way of Golden Sachs makes me feel they are trying every effort to fool customer and make customer accept their unreasonable solution. I have spoken to about 8 agents of Golden Sachs. Every time when the first agent can not solve my problem, the first one transferred the communication to the supervisor. Then the supervisor still had no authorization to solve the problem. The supervisor said a higher-level supervisor would call me back. But no one called me after their first-time promise. I called them again, they said they requested again. I confirmed and double check with the supervisor that I could speak to supervisors supervisor who have larger authorization during the callback. However, I received three callbacks but every time the three agents recognized themselves as the same level as the supervisor I talked to over the phone last time, no supervisors supervisor. 

Until last week, the agent disguised itself as responding to CFPB complaint, which made me frustrated and scared that Golden Sachs was such a big brand that they are lying all the time. 

I feel it is necessary to report their dishonest behaviors. Therefore I am writing to you, CFPB members, to ask you to investigate Golden Sachs to see if they disguise themselves as government agency to fool customers, as well as if they pretend to solve problems by just kick balls to other so-called supervisor agent, which is actually not a supervisor to defraud and play games with customers.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ XXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies. 
- A formal dispute letter outlining the errors and specifying the necessary corrections. 
- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Debt collection

I've been working with this account for awhile and everything was going good as i am on a credit payment plan. I was almost a XXXX on my score. I noticed i dropped 36 points. This company Enhanced Recocovery Company has not tried to reach me nor call me when they have my updated information. All was being paid by another collection agency. I feel like i am back to square one.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$72000.00} DEPTEDXXXX XXXXXXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$72000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification that I utilized these services that they reported my delinquent payment Collection : XXXX XXXX. Amount : {$75.00} Original Lender : XXXX   XXXX XXXX XXXX XXXX
Product: Debt collection

Calvary Portfolio has placed a fraudulent account on my personal credit report. I have not ever transacted business with this company. I have not ever signed a contract with this company. I have not ever received an advancement of money or credit from this company.
Product: Credit reporting

I disputed several judgements that were listed on my credit report with Equifax. I received a letter stating that XXXX of them were deleted, XXXX was being updated to " satisfied '', and the other XXXX were verified. The XXXX that were said to be deleted are still on my report. I sent Equifax a method of verification letter, but never got a response. All XXXX judgements are still on my report even though I have had the incorrect addresses removed and disputed.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and saw unauthorized inquiries that I can not account for. My usual review process revealed unexpected discrepancies, and refreshing the browser did nothing to fix it. I am extremely upset and ask that my submitted documents be properly reviewed to resolve this issue immediately and relieve me of this unnecessary stress.
Product: Checking or savings account

I wanted to report a case of attempted fraud by someone impersonating Capital One. They called from a number appearing to be from Captial one - a number published on their website. Saying to be from the Fraud department and demanding I review a zelle transition within 2 min or it would automatically fulfill. I eventually hung up and called the bank directly and they know nothing of it. 

I did not lose funds but felt I needed to report this instance. The request was from a XXXX XXXX XXXX. I don't know if there is a way to trace these people but felt the need to report. it was extremely upsetting to deal with this and more needs to be done to help consumers stay safe.
Product: Checking or savings account

On XX/XX/2023, I called what I thought was the Chime Customer Service Number, XXXX to inquire about missing {$420.00} in my checking account. I explained my concern to XXXX, and he stated that I needed to speak to a supervisor.
Product: Checking or savings account

I was getting a lot of over draft fees added to my account which always made me have a negative balance. Also, There was money taken out my account for unauthorized transactions even after I took off the over draft protection.
Product: Student loan

Was attending XXXX XXXX Ca in XXXX. I stopped attending in XXXX due to personal reasons. My campus was closed shortly after. Loans were still released to XXXX in XXXX and I'm stuck with the bill. I feel XXXX should be held responsible since they got the funds.
Product: Checking or savings account

XX/XX/XXXX  I requested to close my account at Citizens Access Savings and transfer the funds to XXXX XXXX. I received a confirmation number for the transfer. By XX/XX/XXXX nothing had happened. I called and was told the account was under review but the CSR would not explain what that meant. I have spoken to various CSR 's over the month of XXXX. I have been told that my wife needs to be on the account to transfer the funds. I have never been given the means to add her despite repeated requests for access. I was also told that my birth date was wrong. I asked for that to be corrected. Every CSR says they will take care of requesting that I get access but none have been successful. The account balance when I requested closing and transfer was {$56000.00}. I do not know if more interest has accrued.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I recently obtained a copy of my credit report and found the following accounts to contain inaccuracies that must be removed immediately as they are either outdated, incorrectly reported, or unverifiable. 

XXXX. XXXX ( XXXX ) Incorrect Late Payment Reporting Issue : Inconsistent late payment reporting across bureaus. The dates of late payments differ between credit reports, which is an FCRA violation ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Action Requested : Delete the late payment history or provide proper documentation showing correct reporting across all three bureaus. 

2. XXXX XXXX Account Closure & Negative Mark Reporting Issue : This account was closed at my request, yet it is still reporting a negative payment history, which violates FCRA 15 U.S.C. 1681s-2 ( b ).

Action Requested : Either update this account to " Closed in Good Standing '' or delete the entire trade line. 

XXXX. XXXX XXXX Overstated Balance & Charge-Off Discrepancy Issue : This account is reporting a balance higher than my credit limit ( 129 % utilization ), which raises suspicion of an improper interest calculation or illegal overstatement. 

Action Requested : Provide proper verification of how this balance was calculated or delete the account entirely for inaccurate reporting. 

XXXX. XXXX XXXX ( XXXX XXXX  ) Failure to Update Balance & Charge-Off Date Manipulation Issue : The reported charge-off date does not align with my records, suggesting re-aging to extend the negative impact longer than legally allowed ( FCRA 15 U.S.C. 1681c ).

Action Requested : Remove this charge-off due to failure to comply with accurate reporting laws. 

I am filing this complaint against XXXX XXXX  for inaccurate credit reporting and failure to verify my correct address under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. The account in question is incorrectly tied to an address that I never resided at, which violates federal requirements for accuracy in credit reporting. 

I have disputed this issue with the credit bureaus and the creditor, yet XXXX XXXX  has failed to provide proper documentation proving that this account belongs to me at the stated address. Since the FCRA requires that all reported information be accurate and verifiable, and since this account is linked to a false address, I request that this account be immediately deleted from my credit report due to failure to comply with reporting laws.
Product: Mortgage

For the past 3 years, my mortgage company has been paying {$860.00} per year out of my escrow accounts towards what they 've been refering to as a " water tax '' or a " water/sewer assessment ''. I 've attempted more than once to get clarification on what they 're paying and every time they basically blow me off and tell me to get the information from my tax assessor. My local tax assessor 's office as well as the water company had advised me this tax does n't exist and they had no idea what my mortgage company was paying. For the past 2 years my home was being renovated and unoccupied, so I did n't have garbage service. This is my first year having garbage service and receiving a bill ... .for {$860.00}. A normal yearly garbage bill for a single family residence is {$430.00}, however the city was incorrectly billing my home as a duplex. When I received the bill and saw the amount, I realized that my mortgage company has been paying a garbage bill for the past 2 years that I should not have been getting billed for. Furthermore, they had no business paying for a utility out of my escrow account. My escrow account does not cover any of the other utilities for my home. Had they appropriately labled what they were issuing a payment for or been willing to provide me with any information on the payment, I could have dispute the charges with the city two years ago. As it stands, the city waste deparment has been overpaid {$2100.00} of my money. After speaking with the garbage department, they agreed that I should not have been billed for the past 2 years and did n't owe the money, but it 's unlikely I 'll be able to get a refund due to the amount of time that 's passed. I submitted a request via e-mail to my mortgage company almost a month ago for information on the payments they were making. I received a generic reply that they would respond within 10 days. I 've yet to receive a response. When I 've tried to speak with someone over the phone for the past 2 years, I 'm always told that the tax department ca n't be reached by phone, only fax or e-mail.
Product: Debt collection

I will be suing all 3 credit bureaus for false placing medical records on my credit report for years that do not belong to me. I have filed many disputes over the last two years. First and foremost I have full medical insurance so my company is always billed. Second I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Grevens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I have not authorized any companys to share my medical information under the HIPPA laws this is a violation. Third. None of the medial bills listed belongs to me and Ive reached out to the hospitals as well documented and recorded everything this is becoming an harassment to my life financially and I will see them in court for falsely placing medical bills on my credit report.
Product: Debt collection

On XXXX - I sent a letter to XXXXXXXX XXXX XXXX requesting back up from debt Did not receive any information back Company stated they do not have enough information from me to verify debt.
on XXXX - I made a 2nd complaint to CFPB that if the company can not verify the debt to remove from my credit report immediately Company stated once again they do not have info to verify the debt.
this was still not removed I contacted the credit bureaus to remove the information since the company XXXXXXXX XXXX XXXX can not provide back up/I have no idea what these are.
The credit bureaus informed me they can not remove unless they receive a letter from the company ... ... ... This is absolutely ridiculous if they debt can not be verified and detailed back up can not be provided then removed.
The company has enough information to report to the credit bureaus each month but can not provide back up???
REMOVE IMMEDITALEY
Product: Debt collection

{$760.00} XX/XX/2017 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent
Product: Vehicle loan or lease

We went through a financial hardship middle of last year we had XXXX people passed away sister in law and grandpa which required us to be available for them in their last days of them living. We are back on our feet about a few months ago, we requested for Ally to work with us made payment arrangements and they still reported late payment on our credit even after we had set payment arrangements and made payments for the past 9 months. Company hasn't removed the late fees nor updated the history on our accounts not showing late payments nor are they giving us Information on how to come to a resolution.
Product: Credit reporting or other personal consumer reports

I have contacted Chase Auto and JP Morgan Chase Bank NA Secured Part since XXXX Regarding their reporting inaccurate information on my credit report and every since XXXX I have been requesting by Phone and by mail a 1099C since they have been reporting on all three credit reports that this account is has been Charge - off. This account has been deleted and reinstated without contacting me to let me know that it was being reinstated according to the FCRA laws. 
On my credit reports, they are reporting a repossession in the year XXXX. They also are reporting repeated charge-offs in XXXX. They are also reporting repeated repossession in XXXX to the XXXX account. I have contacted all three credit bureaus, regarding the same issues and their reply would be, that they have verified the account as accurate. which having repeated charge-off and repossession on your credit file is illegal and damaging to your creditworthiness. According to the FCRA, all these companies that I have named above violate these laws. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Expedited Dispute Resolution 15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.

26 U.S.C. 6050P : This statute mandates that canceled debts of {$600.00} or more must be reported to the IRS, and I should be furnished with a 1099-C form as evidence of this.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.