23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Annual Escrow Disclosure was completed on XX/XX/year> and showed that my neighbor 's parcel number was incorrectly included in my escrow analysis, raising my mortgage payment significantly. 

On XX/XX/year>, I spoke with Shellpoint, who noted that my mortgage documents list only one parcel number, while my escrow analysis includes two. The agent submitted the tax issue for review and advised me to follow up later. 

On XX/XX/year>, I spoke with Shellpoint, and they confirmed that a review was requested but not yet completed. They expect it to be finished by XX/XX/year>, and advised me to call back then. 

On XX/XX/year>, I contacted Shellpoint about my incomplete tax review. They informed me that they would escalate the request, and it should be resolved by XX/XX/year>. I was advised to personally reach out to the county and township regarding the taxes and to request an immediate refund from those entities. Additionally, I was instructed to transfer any refunds I receive from the counties into my escrow account. 

On XX/XX/year>, I reached out to the XXXX County Treasurers Office, which stated that Shellpoint has not yet paid taxes from my escrow account. They indicated that Shellpoint should resolve this issue before paying taxes on the incorrect property. 

I contacted the XXXX XXXX Property Tax and Treasurer 's Office and learned that no taxes have been paid for either parcel in my escrow analysis. The treasurer said this issue must be resolved by the mortgage company that made the error. 

On XX/XX/year>, I contacted Shellpoint Mortgage for an update and was told my issue was still unresolved and to await further updates.They asked if I knew about an analysis done on XX/XX/year>. I confirmed that I had been notified, but I pointed out that the error concerning the property taxes had not been resolved prior to the new escrow analysis. As a result, the analysis still reflected the same error as initially reported, and the numbers remained unchanged. The representative informed me that she had escalated the matter to her supervisor and advised me to call back in 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction. {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} XX/XX/18 NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$100.00} NON-CHASE ATM WITHDRAW XXXX XXXX ATM transaction {$400.00} I filed a dispute with Chase. I was told that it was denied because I still had my card in my possession and that the chip could not be copied. Within a few minutes of research I found that the chip could be copied and banks want to try to blame you for fraud first. I asked what documents could I provide to prove that it was not me. They said nothing. Its nothing that they could do and not even a police report would help. The first representative that I spoke with said that all someone needed was my account information to take my money. This is not right!
Product: Student loan

Navient ( at the time known as XXXX ) defrauded me in XX/XX/XXXX-XX/XX/XXXX by paying off my student loan counselor ( trips, gifts, etc ) to steer me away from grants and work study and into subsidized loans. The counselors and XXXX were caught and punished but the money was already spent on school. 
I 've tried to get help for this for years. No one gives a XXXX until you folks sued them. 
Worst part was after I completed XXXX school in XX/XX/XXXX I went to XXXX XXXX to start my career and was blindsided by XXXX issues. XXXX did n't care and within 3 years of me being in and out of recovery, my XXXX loans were now XXXX. 
This is a scam. I 've probably paid off the original loans amount only to be here, 20 years later with XXXX in debt.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

Wells Fargo has apparently been charging us " late '' fees that are actually " early '' fees because we are paying too early. We set up auto pay to be synced to my wife 's pay cycle, but Well 's Fargo decided this was too early in the month so just started racking up {$35.00} fees without any correspondence or notification of an issue. Is this legal? We have many consumer credit accounts and no one has ever penalized us for paying too early.
Product: Checking or savings account

Wells Fargo Branch XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - I tried to deposit {$840.00}, the ATM machine returned {$740.00} XXXX - multiple calls in between, too numerous to list, information provided often incorrect and conflicting ( time I could expect a resolution etc ) XX/XX/XXXX - Claim denied by Wells Fargo XXXX - Called and told there is nothing else WF can do, I request all documents used in decision making process XX/XX/XXXX - I receive " all documents '', document titled " XXXX XXXX XXXX XXXX XXXX XXXX ATM Cash and Check Deposit '' clearly shows " BadBillCount '' of XXXX - XXXX bills totaling {$740.00} and one bill not returned I called after reviewing the documents, took several tries before escalation possible, logged escalation, seems like they can clearly see the issue Whatever my " bad bill '' was should have been returned to me. I'm sure it was a {$100.00} bill. WF 's own documents support my claim. I have no prior history of issues with WF. I have impeccable credit. I also plan to contact my state representative.
Product: Checking or savings account

On XX/XX/XXXX I obtained ride services from XXXX  and utilized my M & T Bank debit card for payment. The charge for the transaction was {$4.00}, with {$2.00} added by myself for a tip, for a total of {$6.00}. However, I discovered a second charge of {$13.00} for the same ride. I contacted XXXX and they confirmed that the second charge of {$13.00} was only supposed to be an authorization. However, it turned into an incorrect second charge, subsequently processed by M & T Bank. I submitted a dispute of the incorrect second charge of {$13.00} with both XXXX and M & T Bank. On XX/XX/XXXX I received correspondence from M & T Bank stating that my dispute claim had been denied ( claim # XXXX ). I discovered that M & T Bank investigated the wrong XXXX charge of {$6.00} and not the second incorrect XXXX  charge of {$13.00}. I informed M & T Bank of their investigative error but they have not initiated a new investigation, or reversed the incorrect charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

60 day credit repair said if they dont get my credit score up XXXX points in 60 days I would not have to pay them {$150.00} a month for the whole 12 months they made me start paying on day 1 so Ive paid {$450.00} dollars they had me sign a so called contract thur email I signed it quickly the guy on the phone sent it and stayed on hold said I could read it later. The 90 day came I never heard from them at all in the 90 days, I did text them about a company that put I owed them money on my report that I paid In full 6 month before I was told to call them and talk to them, the Girl told me they couldnt help me, I said what am I paying for? No reply, she emailed me to call her at 90 days I did she told me they got it up XXXX points they said they got 4 things taking off my report, I dont believe I said well I have got my report up XXXX points she told me I still have to pay because I opened a new credit card. I told her no she said she would have XXXX the owner call me, they also had me sign up for a company XXXX monitoring {$20.00} a month I have tried to cancel and they say I cant due to 90 day credit repair, I posted a XXXX review that has my picture on my account they replied to my review and have posted my personal information I also asked to cancel there services 6 weeks before 90 days was told I cant do that.
Product: Credit reporting or other personal consumer reports

In a previous CFPB complaint, TransUnion stated on record that a XXXX XXXX XXXX XXXX account was deleted on my credit report. Their response was that they mailed me an updated copy of my credit report. On the report that was sent to me XXXX XXXX was still showing it was updated but not deleted as they reported to CFPB. Transunion continues to say that they have sent a updated report but each report still has XXXX XXXX  reporting on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to each of the three bureaus Equifax, XXXX and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from Wells Fargo Dealer. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters requesting method of verification for erroneous items on my credit report. I ask for specific responses as well as details of proof an investigation was conducted. I was completely ignored by the company, and my request was not fulfilled. Furthermore the erroneous items on my credit report remain.
Product: Credit reporting or other personal consumer reports

My student loan payments were paused due to the CARES Act until XX/XX/year>, as a result of the COVID-19 pandemic. However, I recently discovered that there is a late payment being reported on my credit file for the period during which my student loan payments were on hold. 

I would like to request that you investigate this matter and correct the inaccurate reporting on my credit account. The late payment does not accurately reflect my financial responsibility during the designated pause period for my student loan payments. I have been diligent in managing my finances and ensuring that all my obligations are met on time.
Product: Checking or savings account

I am a victim of identify theft where a person changed my information on Wells Fargo checking account and sent three -unauthorized wire transfers- to three different banks totaling {$60000.00} as noted below : XX/XX/22 {$24000.00} to XXXXXXXX XXXX  XX/XX/22 {$24000.00} to XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/22 {$11000.00} to XXXXXXXX XXXX XXXXXX/XX/22 Wells Fargo sent letter to me denying my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX  XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to verify the Collection/ Closed account and balance amount being reported for LVNV FUNDING LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

RE : Credit Account # XXXX To Whom It May Concern : Upon reviewing my XXXX, XXXX, and XXXX credit report, I observed that my auto account with Kia Financial is listed as a negative paid charge off entry. 

In XX/XX/2020, I endured an abrupt loss of employment that was related to devastating financial hardships that the organization experienced resulting from the COVID-19 pandemic. 

My account history indicates that the past due balance was paid as well as the resulting late fees. Further, the full payment has since been PAID IN FULL. 

My purpose in writing is that I have encountered difficulties in securing financing from mortgage lenders, largely the result of a diminished XXXX  score. 

I respectfully request that you make a goodwill adjustment to delete the charge off collection entry from my credit file. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I recieved letter stating I opened a bank account ending with XXXX with WesBanco with the adress XXXX XXXX XXXX XXXX KY XXXX Wesbanco Inc . Statement in balance is XXXX but I have not contacted this bank at all. It also indicates another XXXX XXXX XXXX XXXX KY XXXX or to call XXXX.
Product: Debt collection

Asked for proof of payment after I paid, and XXXX refused to provide one. XXXX also refused to identify himself/herself completely and refused to give company information. They told me they were able to send me my proof of payment in 4 hours just to get my debit and payment, which resulted in a tactic to get the money. Also, XXXX refused to connect me with a supervisor or manager.
Product: Credit reporting or other personal consumer reports

Upon reviewing a copy of my consumer report from your company, I discovered that you are reporting transactions and experiences related to lines of credit I have with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Pursuant to 15 USC 1681a 2 ( A ) ( 1 ), the term " consumer report '' EXCLUDES any report containing information solely as to transactions or experiences between the consumer and the person making the report, subject to section 1681s3 of the FCRA.

Transactions from the lines of credit I have listed with the above companies are being characterized as utilization on my consumer report, which constitutes a violation of 15 USC 1681a 2 ( A ) ( 1 ).

Congress explicitly states that reporting transactions or experiences between the consumer and the entity making the report is not included on consumer reports, yet your company is disregarding this provision of the FCRA.
Product: Money transfer, virtual currency, or money service

Greetings I used Cash app all the time, but when I ran into a problem, it was hard for me to get to customer service. There was not an XXXX number and the XXXX number that was given was an incorrect number. I transferred money last year to someone that changed their name and I never got the money back. I tried to call customer service for assistance. I could not get anyone and I tried to email them couldnt get anyone please review my file thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX veteran. Before i got my V.A. XXXX I went to civilian doctors for my XXXX XXXX  XXXX, all of my medical charges were put into collection. It has hurt my credit score severely,
Product: Debt collection

Suttell & Hammer claim they have legal authority to sue me for XXXX XXXX, but they have never produced any validation documents as requested several times. They filed a lawsuit in XXXX XXXX where I do not live and they claimed they are XXXX 's attorney, then admitted they are a debt collector. 

I sent them another request below on XXXX and I have not received a response. 

XX/XX/2023 Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX SUTTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX WA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above.

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
Provide me with ANY documentation which establishes your legal standing to collect anything from me. 
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Roundpoint Mortgage Servicing Company Overpaid my city taxes by thousands of dollars and it has raised my mortgage over a 1000 plus dollars. I have researched the issues that I have and I have seen a methodical pattern of the same issues that others are having such as over payment of taxes which include double payments, refusal to show documents and long hold times and ultra vague answers. I was working with a customer advocate and the number given was to a non working number. I have not made my payment due to not having the finances to pay the extra 1000 plus dollars. I have read the complaints on your database and it shows that when they say they will waive the late fee. they will not once after the due date. The issues that I am having is no fault of my own but it looks like the time it takes for them to fix the issue you are forced to pay the high increases with push back from the company to get a refund. I have contacted legal council to advise me on this and to conduct research on these issues that others are having.