23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage went up in XX/XX/2022 so I called caliber home loans to find out why. They said that it was because my fire tax went up and I told them there is no fire tax in XXXX XXXX at least not in my area I only have property, school, and water taxes. She said well thats what is the fire tax and didnt give me any other help or answers so I did research on my escrow account to find out that my deed was not recorded right because we have 2 lots they did not get combined and one was in our name and the other wasnt so I called back and told them about the parcels not being combined that one was in my name and the other was not and explained to them about the fire tax that we do not have a fire tax in XXXX XXXX XXXX She said they would look into it and it would take 20 days ( she also said they would turn in the paperwork to fix the parcels but didnt do that either ) and I would b contacted once they investigated the tax issue. 60 days went by with no contact so I contacted caliber home loans tax office once again and they said I would have to get a letter stating that the fire tax did not exist I asked who do I get a letter from and they said XXXX XXXX. I contacted all 3 tax offices to see if they could provide me with such letter as to say that the fire tax does not exist in XXXX XXXX and they could not write a letter for a company that is not them or that doesnt exist so I called caliber back to ask them what to do. The guy actually laughed and told me that is the only way to take the fire tax off and they could not just take it off and I proceeded to tell him they were fraudulently charging me for my taxes and asked them where they sent the payments for this he said XXXX XXXX and I said where whats the address and he said they wire the payment I asked for more info on the payment and no answers made sense. I have tried multiple times to call caliber and get this fire tax taken off but I am having no luck at all with this company taking it off or even doing any research to make it right. I mean taxes are public access and can be looked up by anyone. I just need the fire tax that I have been paying for taken off of my escrow account and get refunded for the amount I have been overpaying I also explained to them that the amount I was being charged for the said fire tax was the exact same amount as the water tax and asked them XXXX that was possible that the water and fire would XXXX exactly the same. XXXX never had any answers but keep charging me for this on my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX/XXXXN in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX STORE CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was informed of dispute with XXXX  credit card balance and was not resolved. I currently have open complaint about that company with the CFPB and I'm including proof of balance being XXXX... there was a glitch on the computer system for XXXX  and they reported an over limit balance of XXXX. 

Copy of this is being sent to XXXX
Product: Mortgage

PennyMac has fail to produce to me the original promise note and mortgage in question. 
My request was done not to release the original but notorized the copy under penalty of perjury and then they send me a copy of HUD1 which I do know the signutare are all forgery. In reference to HUD1 that the forgery was committed and I have solid evidence.
Product: Checking or savings account

RAMCES DUFRESNE ACT.XXXXXXXXXX
 WELLS FARGO BANK OPERATIONS MANAGER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I TOLD THE BANK THAT ON XXXX THAT I SET COURT HEARING XXXX XXXX XXXX CASE XXXX I NEVER STOP PAYING MONTHLY CREDITOR XXXX. SUPPORT
STILL THE BANK FROZE MY CHECKING ACCOUNT FOR 60 DAYS AMTXXXX
I AM UNABLE TO PAY MY MORTGAGE, PROPERTY TAXES, LIGHT, WATER, WIFI BILLS AS A XXXX XXXX V ETERAN WITH XXXX XXXX  I AM DEVESTATED MENTALLY DEPRESS ABOUT TO BE HOMELESS. MY LIFE IS WRECKLESS. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

My mother passed away on XX/XX/2020. The mortgage company Select Portfolio Servicing ( SPS ) and their legal counsel has violated the CFPB ruling that when a borrower dies the mortgage lender must work with the surviving family members. 

We have made several attempts to work with SPS to have the mortgage changed to the family. In XXXX of XXXX  I sent the copy of the death certificate. It took almost several months for SPS to confirm the death certificate was received. In the mean time SPS started foreclosure proceedings. I sent a copy of the death certificate to the attorney who represents SPS. After several emails and phones she understood the family wanted to keep my mother 's house. Nonetheless, SPS nor the attorney would give the family the legal opportunity to have to mortgage put in the name of the heirs. 

It will be two years this coming XXXX since the death of my mother. As of today the house has gone into foreclosure, and has been sold. I would like to file a complaint and get information about what legal actions for discrimination, violation of RESPA, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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 XXXXXXXX
Product: Debt collection

I am disputing this account for the following reason : the debt was reportedly charged off, but l have not received a 1099-C form from the creditor, as required by the IRS for debt forgiveness or cancellation over {$600.00}. The failure to issue a 1099-C form calls into question the validity of the charge-off and whether the debt has truly been forgiven or canceled.

Without receiving the 1099-C, I have no confirmation that the creditor has officially canceled the debt, nor has this debt been properly accounted for as income on my tax return. Therefore, I believe the current status of the account on my credit report is inaccurate.

To support my claim, I am requesting that this debt be verified under the guidelines of the FCRA, and that you obtain verification from the creditor regarding the issuance of a 1099-C form. If the creditor is unable to provide evidence that this debt was legally canceled and reported to the IRS, I request that the charge-off be removed from my credit report. 1681 ( e ) ( b ) a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates
Product: Credit reporting or other personal consumer reports

This is follow up report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent in disputes letter with certified mail and the report remained even after being inaccurate XXXX  case dismmised i sent letters verify that the courts do not report to them nor am i resposible for the case due to FRAUD XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently attempted to correct information the Transunion credit reporting bureau has on file against my name. I have tried many times, yet seem to not make any progress, I even called and was told that Transunion is not responsible for the correct information and that the credit companies can call on my information as they see fit needing nothing but an Authorized reason. 
I sent certified letters to Transunion asking for them to launch an investigation, the most recent on XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). again they reported that the information is correct, but did not provide any details of an investigation. 
I would like for Transunion credit reporting to correct their file on me and remove the information that is not correct.
Product: Credit reporting or other personal consumer reports

there was a XXXX form file cancelation of debt, so this should no longer show as debt on my credit report
Product: Checking or savings account

On XX/XX/2022, we received a e-mail stating that the transaction was successful and they collect {$490.00} from our account without consent. We relied on the bank to keep our assets to be safe. Wells Fargo Bank allowed a XXXX XXXX to get this money after the bank gave XXXX XXXX the opportunity to change password in order to withdrawal the money. I requested that they do an Fraud Unit to see what and how it was done. they wrote us a letter that read we didn't authorized the withdrawal, then two sentences later in the letter the Bank stated that we did authorized the withdrawal. They stated we used another Bank to do the transaction. That was untrue. We have never had contact with or gave any one permission to withdrawal form our account. We blame Wells Fargo for not given us a call when you can see a unusual name. We are on fix income and can not afford to lose {$500.00}.
Product: Student loan

i was attending school had been XXXX but my student loan money was put into my mothers account i had to rely on her for transportation i was planning on buying a vehicle to be able to get to and from school. i had dhs involvement and troubles with daycare and informed incorrect information by government agency. i also have had a car accident that resulted in XXXX with me being the almost fatality. i was a XXXX and have alot of XXXX issues. i since have had my rights terminated to my children and i have been trying to return to school. i also have my deffered judgment in regards to my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI have notice that COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX balance of {$1500.00} has appeared on my credit report. In addition this piece of information it should not have been replaced on my credit report, On XX/XX/XXXX this collection has been removed /deleted from my credit report. Previously deleted information was reported to my credit report and is now harming my credited report.
Product: Debt collection

In XX/XX/2024 I received something from XXXX in regards to account that was with Jefferson Capital with the original creditor XXXX. I never took out a loan with them. 

I reached out to the credit bureau in regards to this matter in XXXX. As of XX/XX/2024 XXXX has removed this from my credit report as a fraudulent loan after they verified that is was not taken out by me. 

I have also moved in XXXX of 2024 and nothing has been received from XXXX. However, XXXX, XXXX and XXXX have already fixed this issue regarding this account and another account with Jefferson Capital.
Product: Vehicle loan or lease

Due to a health condition I fell behind in my payments. I informed XXXX financial of this prior to missing XX/XX/2019 's payment. As of XX/XX/2019 my account was 60 days late, I made a payment in XX/XX/2019 to satisfy both months. Again, communicating with Honda Financial in XXXX my account was 60 days I made a payment to satisfy the account and two weeks later my payment was returned. I contacted Honda Financial again via phone and was informed my acct had been charged off. I had received no notice prior and my account was no more than 60 days late in addition to my several phone calls with reps informing them of my situation.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' 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 CO. Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, VW CREDIT INC reported a charge off on my credit for a vehicle lease that ended in XXXX XXXX. This was a 36 month lease that I satisfied on XXXX XXXX with my final payment. I have attached the following documents to support my claim/complaint : 1. ) original lease agreement 2. ) the final statement that shows that I had one payment remaining and a bank statement that shows the final payment. ( The vehicle was returned on XXXX XXXX, XXXX ). 

On XX/XX/XXXX as a direct result of this erroneous change my XXXX credit card reduced my credit limit due to this being reported to my credit as a charge off. This has created an inconvenience to me.
Product: Credit reporting

I have disputed a judgment on my credit report twice for XXXX XXXX in the amount of {$1100.00}. I have provided Equifax a copy of the alleged judgment against me that shows a different person 's name and a different amount. Despite sending this information twice to Equifax they have repeatedly stated that they have verified this account and it belongs to me in their investigation results. I contacted Equifax directly at XXXX on XXXX XXXX, 2016 and spoke with XXXX in customer service regarding the dispute results for the most recent investigation. I asked the representative what information they had received from the XXXX County Courthouse or original creditor to prove that his account was mine and his response was he did not know. He then stated that he would send it back for " re-investigation '', I asked what where going to do when they review it again, he again stated that he did not know. I asked him did he have a copy of the information that they received to verify this account and he said that he did not have access to that information. He also stated that he could not tell me what would be done differently and that was all he would be able to do for me.
Product: Credit reporting or other personal consumer reports

i just checked my credit for the first time and realized i have inquirires and accounts that are not mine, i need help in removing all these negative accounts that have never belonged to me. XXXX XXXX XXXX XXXX- NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX - NOT MINE XXXX  XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX NOT MINE XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NONE OF THESE ITEMS ARE MINE AND HAVE NEV BELONGED TO ME.15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete
Product: Credit reporting or other personal consumer reports

I would like to express my dissatisfaction and concern regarding the recent attempt to rectify the late opening of my account. 

I initially reached out to your customer service department to address the issue of my late open account. Regrettably, despite my efforts to resolve the matter promptly, the problem persisted. Consequently, I received a second attempt to correct the situation, which has only compounded my frustration. 

The repeated oversight in addressing this matter not only inconveniences me but also reflects poorly on your company 's commitment to customer satisfaction. As a result, I have experienced unnecessary stress and inconvenience, which is unacceptable given the circumstances. 

I urge you to take immediate action to rectify this situation and ensure that such oversights do not occur in the future. Additionally, I request compensation for the inconvenience and time wasted due to this recurring issue. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$530000.00}.
Product: Student loan

I have been paying on my loan since 1999. When I started collecting social security ( I am low income ) my loan became income based but my loan payments have double or tripled. The amount for XX/XX/XXXX is XXXX. and when I looked up my account number it had gone up to XXXX. which is an amount I can not handle. I paid on my loan for years but I seem futher behind.
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 confidentiality under 15 USC 1681. XXXX 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 an 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please update your system, this is causing plenty of heartburn for me. Thank you.