23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received an escrow analysis from Rocket Mortgage on XX/XX/XXXX XXXX XXXX. They informed me that my County tax will be increasing {$2600.00} ( Rocket mortgage OWN ESTIMATE for XXXX ), representing an 82.3 % increase within 1 year - No significant work has been conducted ( resided here for 2-3 months ). For reference, the tax has increased 51.8 % from XXXX to XXXX, with the single highest year increase being 24.6 % in XXXX. 82.3 % is a borderline criminal estimate. This would also present as a 10 % increase to my monthly payment, 2 months after closing on my property. 

I reached out immediately after work, starting a live-chat with XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). I stated the issue, and asked " I'm curious how the value was reached ''. No details were provided, only that the estimate was {$5800.00}. She also stated the only way to re-estimate would be to wait until the next escrow analysis ( 12 months from now... ) or provide an updated bill for XXXX taxes, which per the tax commissioner office in my county, is conducted in XXXX each year, and a bill is compiled in XXXX ( 8-9 months from now ). 

An 82 % increase to my County taxes is a gross miss-estimate, they provided no justification for the value. To exacerbate the matter, I have a snippet of my escrow summary that shows a yearly/monthly payment that doesn't add up. 

Property Taxes ; Yearly ( {$5800.00} ) Monthly ( {$260.00} ) - This equates to {$3100.00} yearly... 
Homeowners Insurance ( HOI ) ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( rounding errors, close enough ) PMI ; Yearly ( {$1500.00} ) Monthly ( {$120.00} ) - Equates to {$1500.00} ( exact tie ). 

Might be worth noting they tried to buy-down interest rates without my consent, and used that to advertise a lower rate... But that's another story for another day.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/scrub> XXXX  Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXXXXXX XXXX XXXX XXXX XXXX stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Debt collection

Capital One sold the account to XXXXXXXX XXXX XXXX for XXXX and now XXXX  has tried to force me to pay for the entire amount after the fact. XXXX  has threatened to sue me and called me over and over again until I changed my number and challenged the debt. They said they provided XXXX goods and services and have no contract for the debt to them by me and refused to give me a copy of the amount of actual cost for the account as they are trying to unjustly enrich themselves for a debt they bought for XXXX dollars. 

The debt that was bought was not actual debt I owe them and on XXXX they verified that the debt was not from or by them and they just bought it from capital one and will sue me for collection of it
Product: Credit card or prepaid card

Ive been trying to resolve a fraud dispute with capital one which is my credit card company. Ive been a customer with them for years, maybe seven years, and after calling them and filing a report which was disputing {$7000.00} in charges as unauthorized and fraudulent, they told me that I needed to just prove account ownership for the XXXX accounts which reversed XXXX payments were made from. there was XXXX accounts that had payments made from them, and ive never bounced a payment in my life. Not only was my card information compromised, my physical phone and thus login information was also compromised. The fraudster was attempting to pay off the bill so he could continue the use of my card. upon ATTEMPTING to go through the dispute process ; capital One refused to resolve the charges and consistently requested alterations of ownership verification, and each time I provided them with the requested documents, they would respond with a different or additional document is required. They refused to remove the charges during the pending investigation, and have dropped my credit score over 300 points. To verify account ownership of the bank accounts, which I was willing to do, I had to do initally call XXXX XXXX and XXXX and have them verbally confirm ownership. XXXX XXXX was first and the ownership was successfully verified. However when it came to my XXXX account, because I closed the account as a result of the fraudulent charges as well as ongoing check fraud, when I called XXXX and had them talk with the branch manager, they said that that was no longer enough to verify ownership after they hung up. Now they wanted me to give them a account statement which shows my name and the account number, so thats what I did. after showing them the account statements with the account number, they then told me that that was no longer enough now I need a voided check, along with the check should be another statement showing my account number and name. after providing both of those things, they told me that what they actually needed was a written statement from the branch manager verifying my account ownership. after getting that for them they now stated they want a BLANK void check, and an account statement, And a letter from the branch manager. all these things which Ive just provided to them yesterday, and they told me that it wasnt valid because it was a picture of a void check rather than an original voided check. Im not sure how to get an original voided check of an account thats been closed. I dont have a checkbook. They are very clearly misinforming me and refusing to honor the dispute resolution process in order to charge off XXXX account and hit my credit. Ive never missed a payment up until this day, they just continue to give me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a payment made in full to XXXX and account is closed. Balance is XXXX. XXXX and XXXX have updated the account status and balance. However TransUnion updated the account and balance then they changed it back to old amount due and status two days later.
Product: Debt collection

I've written a dispute letter XX/XX/2023 No Knowledge of this account. This is fraudulent and someone has stolen my identity. This is the second time this has appeared on my report but with a different collection agency name. Allied Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX In response to my letter I was sent patient information sheet on that sheet it clearly states responsible party 's name. 

on the service and installment contract the signature clearly states the responsible party name. 
My name nor signature is not on this account. 

I would like this matter resolved and removed off my credit report. This is not my account or legal matter. 
They will be hearing from my attorney to resolve this legal matter.
Product: Money transfer, virtual currency, or money service

I had my entire account stolen and my bank account over drawn the time I had access to my Coinbase account was XX/XX/21
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, all three credit agencies received a credit letter requesting an investigation on my credit report and also requesting a n original credit contract which they should have on hand. I did not receive an original contract and I have proof of them receiving this letter with proper identification.The law that backs this Disclosurestoconsumers [ 15U.S.C.1681g ] ( a ) Informationon file ; sources ; reportrecipients.Everyconsumerreportingagencyshall, uponrequest, andsubjectto610 ( a ) ( 1 ) [ 1681h ], clearlyandaccuratelydisclosetotheconsumer : Paraphrase : Theinformationinthecreditbureausfiles ( notthecreditorsfiles ), mentionedabove, istheinformationthattheystoreintheircomputerbaseoneveryconsumer.Then610 ( a ) ( 1 ) [ 1681h ] identifiestheproperidentificationrequired ( driverlicenseandSScard ) +awrittenrequestbytheconsumer.Basicallyitsaysthatifaconsumerasksthecorrectway, inwriting, andhasproperlyidentifiedthemselves, the3bureausarerequiredtodisclosetotheconsumerexactlywhatdocumentsarestoredwithintheircomputerbasethatwereusedtoverifytheinformationthatisbeingreportedonthem.Theyrefusetoshowyouanythingbecausetheydonthaveanythingintheirfilestoshowyou.Insteadtheytellyoutorequestthesedocumentsfromtheoriginalcreditor.I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 " which states " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. 15U.S.Code1681e-Complianceprocedures ( a ) Identityandpurposesofcreditusers Everyconsumerreportingagencyshallmaintainreasonableprocedures designedtoavoidviolationsofsection1681cofthistitleandtolimit thefurnishingofconsumerreportstothepurposeslistedunder section1681bofthistitle.Theseproceduresshallrequirethatprospective usersoftheinformationidentifythemselves, certifythepurposesfor whichtheinformationissought, andcertifythattheinformationwillbe usedfornootherpurpose.Everyconsumerreportingagencyshallmakea reasonableefforttoverifytheidentityofanewprospectiveuserandthe usescertifiedbysuchprospectiveuserpriortofurnishingsuchusera consumerreport.Noconsumerreportingagencymayfurnishaconsumer reporttoanypersonifithasreasonablegroundsforbelievingthatthe consumerreportwillnotbeusedforapurposelistedinsection1681bof thistitle. ( b ) Accuracyofreport Wheneveraconsumerreportingagencypreparesaconsumerreportitshall followreasonableprocedurestoassuremaximumpossibleaccuracyofthe informationconcerningtheindividualaboutwhomthereportrelates. Byviolatingsection1681bforpermissiblepurposeand1681cforinformation containedinconsumerreportstheyarealsoviolatingcomplianceprocedures underthistitle.
Product: Vehicle loan or lease

On XX/XX/ my vehicle was repossessed but I had already moved my late payments.after contacting them I was told an amount to pay I called XX/XX/ and my vehicle was gone, was told it was sent to auction to be sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seem to keep having a problem with XXXX  with these Hard Inquiries that remain on my Credit Report that I have no clue why they are there because they where not done on my behalf.

1. XXXX XXXX ( XX/XX/XXXX ) Not Mine 2. XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) These are not mine
Product: Credit card

Ordered portable AC from XXXX  using affirm on XXXX. Said delivered via XXXX XXXX Item never arrived
Product: Credit reporting or other personal consumer reports

I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I am writing to file a complaint against Westlake Portfolio Management, a debt collector who claims to be servicing my car lease from American Car Center, a dealership that filed for XXXX  XXXX bankruptcy in XXXX of XXXX. I was previously paying my lease payment to American Financial, who as far as I know, is not in bankruptcy. 

I have attempted to request debt validation from Westlake Portfolio Management through email on XX/XX/XXXX, and also over the phone on XX/XX/XXXX. During my phone call, I also requested a copy of my original contract, which the representative assured me would be sent to me by email. However, as of XX/XX/XXXX, I have yet to receive any documentation from the company. 

I am concerned that Westlake Portfolio Management may be attempting to collect a debt from me that I do not actually owe. I am hesitant to provide them with any payments until I have received proper validation and documentation of the debt. 

I would appreciate any assistance or guidance that the Consumer Financial Protection Bureau can provide in this matter. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00}.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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. 


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! 


Update the late payments from my consumer reports
Product: Credit card

I received an offer from Amex to open Delta Sky-miles credit card and spend {$1000.00} within 3 months and receive XXXX bonus miles : I complied with the terms but did not receive the miles because per Amex " I am not eligible ''. Reason why I was not eligible was not provided. 

When I opened card online I was not informed I was not eligible but offered XXXX miles after spending {$1000.00}
Product: Credit card

I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 6 fraudulent accounts on my credit report 1st one reporting from XX/XX/XXXX is XXXX XXXX  2nd one reporting is XXXX  XXXX  XXXX  from XX/XX/XXXX 3rd one reporting is credit first from XX/XX/XXXX 4th one reporting is XXXX  XXXX  from XX/XX/XXXX also XXXX XXXX XXXX reporting a balance of {$12000.00} these have wrong payment historys and wrong address on them not my accounts no signed contracts for any of these accounts and a XXXX XXXX  account reporting a balance of {$8900.00} none of these accounts have my address in it or signed contract please remove or I will sue for Incorrect reporting as my rights are being violated I will sue as I have the right giving to me by the fcra Equifax will provide documentation showing me what proof they have to report these accounts also XXXX XXXX  loan sr reporting a balance of {$22000.00} please show me a signed contract between this merchant and I the proof you have to report this and other accounts also there 6 inquiries that are fraudulent XXXX XXXX  XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX also thd XXXX XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX Equifax is required by proof to show me proof of the documents they have to report these accounts why they are reporting or remove these accounts if they cant verify it no e Oscar I demand a proper investigation and if these Erroneous items arent removed I will sue Equifax for incorrect reporting under the fcra
Product: Vehicle loan or lease

This company has reported that my account is closed ... my payments are not applied correctly and their computer payment system, does not state when a payment is processed in a timely manner. I am not filing a chapter XXXX ... or chapter XXXX my husband is however, but we plan to reaffirm the vehicle account as stated to them on XX/XX/2019 when I made my payment.
Product: Credit reporting or other personal consumer reports

ACCOUNT NOT MINE XXXX DIDNT DELETE ALSO ADDRESS OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} ALSO ON TRANSUNION
Product: Vehicle loan or lease

Had XXXX XXXX XXXX pay these Rat Bastards Off, Acceptance Automotive Corporation {$15000.00}, so I instructed XXXX at the XXXX GA XXXXcceptance Automotive office to send me a copy of my Pay-off so I could give it to my Mortgage Processor & Underwriter, for some apparent Reason this must have kick in that XXXX  XXXX  mind set, and to-date I Not received Pay-off documents from her XXXX, nor Acceptance Automotive Corporation as if they are Stopping me. Side Note : Ive spoken with the Georgia Motor Vehicle, Title issue Ok, also Im reaching out to the US AGs office Protection of Senior, and the Georgia Governors office of Consumer Affairs. I like Advocating and Winning. The only thing thats Stopping me is Me, Im Winning $ $ $
Product: Mortgage

Newrez replied with the XXXX valuation report in the previous complaint ( XXXX ). They say the report is valid for XXXX days after completion which was on XX/XX/year>. However, they never provided the report until XX/XX/year>. Our valuation from the initial report was XXXX %, and the threshold for PMI removal was XXXX  %. Our mortgage statement on XX/XX/year> shows our outstanding principal was {$490000.00}. The XXXX report showed our home value was {$660000.00} which means on XX/XX/year> our outstanding principal had dropped to XXXX % below the XXXX % threshold. XX/XX/year> was within 90 days of the XXXX report being issued. However, since the company failed to provide the XXXX valuation to us within XXXX  days how were we supposed to dispute the valuation or request PMI removal in accordance with the value of the home on the XXXX report? Newrez clearly knew and could see that our valuation had reached the XXXX % threshold on XX/XX/year> while the XXXX report was still valid, but we were incapable of knowing this threshold had been reach since the company failed to provide the valuation in a timely manner as they were legally required to do after we paid for the XXXX report. We want our PMI removed in accordance with having met the XXXX  % threshold on XX/XX/year>. Given the company was dragging their feet on providing the required documentation in a timely manner that would have permitted us to easily request PMI removal within XXXX days the XXXX valuation was still valid.
Product: Credit reporting or other personal consumer reports

Experian has me listed as an authorized user on a credit card that I have no knowledge of and has a balance of over {$43000.00}. I have contacted the credit card company ( XXXX ), and the credit card company says they are unable to remove me as an authorized user bc they can not find me listed as having any credit card accounts with any balances. ( They searched under my name, social security, address, etc. ) I have filed a dispute with Experian -- > the only thing the dispute did was add a statement to my file saying that I have no knowledge of the account. They have not removed the account from my credit score. I have tried to contact Experian directly but their automatic calling system makes it impossible for me to get pass the self-service section. I have yet to reach a human being on the phone who can help me with this matter. All other avenues have told me the only thing I can do is file a complaint with the CFPB.
Product: Credit card or prepaid card

Dear sir/ma'am I fell trap to an agent of a closed school ( XXXX XXXX  XXXX ) and paid XXXX dollars in tuition to the school for an XXXX program. XXXX XXXX XXXX is permanently banned from offering XXXX program but they still collect money from unsuspecting students by claiming they are under probation. I have tried everything since XX/XX/2022 to get Chase bank to refund my money in order to fund my XXXX training in an approved school to no avail. Their reason is that It has been a long time. 

It is certain that the effect of a school Close-Down is lack of Authorization to carry out the business of the nature that it's supposed to do. 
Does XXXX XXXX have the mandate to operate after closure? 
Let 's consider the merit of a certificate given by a school after its official closure. 
Please I bargained for a certificate from a viable institution not from a closed one. That's why I am requesting a refund from Chase bank. 
I worked 3 years in a group home earning minimum wage and saving in order to save for school and this is very discouraging. 
Thanks immensely. 

Attached is the response from chase credit services, my offer letter to the school of XXXX and XXXX  closure receipt. 
http : XXXX
Product: Debt collection

I Have no knowledge of this account, NATIONAL CREDIT ADJUSTERS, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!
Product: Money transfer, virtual currency, or money service

I disputed a charge from an ATM where my card from Chime was used but no money was ever dispensed. Chime immediately denied my claim and debited my account another XXXX dollars leaving me in the negative. I asked for the information used to deny my claim and none was ever sent to me.