23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report regarding the unauthorized use of my Social Security number, which resulted in the accounts listed below being inaccurately reported on my credit file. I am disputing these accounts as they were not opened by me, nor are they related to any of my actions. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days of receiving this letter : DEPT OF DEFENSE XXXX, XXXX XXXX XXXX XXXXXXXX,
Product: Mortgage

SALE DATE SET FOR TUESDAY XX/XX/2017!!!!! 
A modification package was sent in on XX/XX/2017. Please see attached email confirming that information. The homeowner has a sale date set for XX/XX/2017. We have been contacting SLS on a weekly basis since that week. Each week they have asked for ONE thing. Homeowner has diligently complied with every request to the extent that a full narrative would not be productive. SLS is now stating they did not have the file 37 days prior to the sale date which is inaccurate. SLS is refusing to properly review the file and stated that they are foreclosing on the home. This complaint is being sent in for numerous reason. XXXX has been discriminated against based on his race, ethnicity, language and national origin. The number of times that we have spoken with SLS to check status of the file should extinguish any opportunity to excuse their behavior. 
The attitude from the employees and or managers in unacceptable. Furthermore, SLS does not know how to properly review the file. There is NO reason for this to be happening. The file made it to underwriting and they are STILL refusing to postpone the sale date. They are in violation of the CA homeowner bill of rights and are dual tracking. Today on XX/XX/2017 employee by the name of XXXX confirmed they are dual tracking. he stated " they are aware of California laws and are still foreclosing, '' Supervisor XXXX was informed of all issues and the fact that they had the file since XX/XX/2017, and refused to offer any assistance. The events described above are just a sample of the practices that are taking place with SLS. 
There are additional numerous issues. 
1 ) Failed to timely respond to loan modification applications ; ( 2 ) Failed to accurately inform what information was missing in order to process their loan modification application ; ( 3 ) Falsely stated the application was missing information that had already been provided on numerous occasions ; ( 4 ) Denied borrowers ' loan modification requests without an appropriate explanation ; and ( 5 ) Wrongfully threated foreclosure while a borrower 's application was still under review. 
We will be filing a complaint in district court if the sale date is NOT postponed.
Product: Mortgage

On XX/XX/XXXX I contacted PennyMac via their Message Center with my concern that the XXXX for XXXX was incorrect. The document indicated the real estate taxes paid were {$950.00}. I requested a full analysis of the taxes paid and what was reported to the Internal Revenue Service. 

Within a few hours, I received a response from a PennyMac representative. The representative addressed me by my first name. I was somewhat surprised by the assumed familiarity. In most cases, if I am participating in a conversation ( spoken or written ) with someone and they address me as Mr. XXXX, I am more than likely to say " please, call me XXXX. '' But in this instance, the representative felt comfortable enough to call me by my first name. To me, this is inappropriate and it is not acceptable to me. 

The representative went on to say that you all are not required to report to the Internal Revenue Service any amounts deemed " special assessments. '' In XXXX, these are sometimes referred to as the MUD tax or Municipal Use District tax. This particular tax is used to pay for the bonds issued to finance projects to maintain and operate the district. This includes the infrastructure for water, sewage and drainage. Although your representative indicated these monies are also used to cover the cost of trash collection and water usage. This actually is not the case in the City of XXXX. I pay a monthly fee to the City of XXXX  for Water and sewage. Further, the City of XXXX  does not charge residents for trash collection. The latter has been a constant topic of debate as the City grapples with challenges associated with being one of the largest metropolitan areas in the nation. Recently, the city began collection a monthly cart fee, approximately {$.00} per month to cover the cost of the trash carts. 

I replied back and again questioned the amount that was reported to the IRS. My XXXX Property Tax Statement from the XXXX County Tax Assessor- Collector shows {$3400.00} was paid to XXXX XXXX as Tax Assessor-Collector. I reached out to PennyMac again on XX/XX/XXXX. As of the writing of this complaint, I have not been given the courtesy of a response. Unfortunately, what has been my past experience is that I've received substandard customer service from one or more representatives. I then file a complaint with the Consumer Financial Protection Bureau. Shortly after that I receive a call from someone who works in more or less an Executive Customer Service role and the matter is resolved. What I don't understand is why does it even have to go that far? 

It has also been brought to my attention that I paid tax {$2500.00} in XXXX because PennyMax failed to collect the correct amount during XXXX and XXXX. This resulted in my mortgage being raised by a significant amount. It appears that money was then refunded to PennyMax. I believe that money should have been refunded to me.

Thank you for taking the time to review my concerns. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

Ive file several complaints with CFPB and disputed this account on several different attempts with both XXXX and TransUnion to get this issue resolved and this will be my LAST Attempt before taking matters to the courts. 

XXXX and TransUnion is in violation of my FCRA rights. XXXX and TransUnion are NOT verifying this account and flat out lie when they say they are. 

I have contacted the furnisher at the same address that XXXX & TransUnion both have listed on my report. I Also have WRITTEN DOCUMENTS from that furnisher stating that this account CANT be verified with them because they DO NOT Verify With ANY credit bureaus. So who are XXXX and TransUnion getting there information from if not the account furnisher?? 

Furthermore it is a violation of my FCRA 15 U.S. Code 1681b - Permissible purposes of con ( a ) In general Subject to subsection ( c ), any consume reporting agency may furnish a consumer under the following circumstances and no other 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes I never gave XXXX or TransUnion any written consent to report anything on my consumer report. 

Instead of DELETING the account when I originally disputed in XX/XX/2023. XXXX and TransUnion constantly state they will send results in mail and generate the same Verified As Accurate letter with NO written proof or procedures on how they verified. Which further lets me know its not being verified.

By law this account must be DELETED & I expect this to be done 5 days of receiving this complaint DO NOT send me a generic message! DO NOT tell me it was verified as accurate, without WRITTEN PROOF of where you got this information or my next step will be seek monetary damages in small claims courts!

Attachments : 1 ) My letter to the furnisher asking for proof 2 ) the furnisher written response that they do not verify 3 ) third party XXXX account deletion due to violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed. 
XXXX. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o XXXX reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o Experian reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions XXXX disputes after resolution. 
XXXX. Inconsistent Payment Histories : The payment history reported by XXXX, Experian, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account.

If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ). 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Product: Credit card

Barclays Bank of Delaware can not provide or produce account level validation for the account and did not provide per a certified mail receipt sent XXXX XXXX, 2016 signed by them. They continue to report on credit reports in violation and misrepresentation of my FCRA rights. They have provided a false application without a signature that was not opened by anyone, it is merely a computer generated " report '' of my account. There is no signature and is reported to be a Barclays Card. I NEVER opened a Barclays Card ever. They are misreporting on my credit reports and they are sending false information to show an account was opened which is illegal and is fraud. They continue to report a false account.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint regarding incorrect reporting of a XXXX XXXX  case on my credit report. According to the XXXX XXXX XXXX XXXX  XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX there is no active case related to child support under my name, and the account in question is closed. Despite this, I have discovered that this closed case is being reported as an active XXXX XXXX  case on my credit report. 

I have made multiple attempts to resolve this matter directly with the credit bureaus. I requested detailed information on the entity responsible for reporting this information, including the source and methodology used for the reporting. Unfortunately, I have received no feedback or clarification from any of the credit bureaus, which has only exacerbated the situation.

As you are aware, under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), consumers have the right to dispute inaccurate or incomplete information in their credit report. Moreover, according to the XXXX XXXX Method, credit reporting should follow proper guidelines and only report accurate and verifiable information. Since the XXXX XXXX  case is closed and there is no active case per the XXXX XXXX XXXX XXXX  XXXX, I contend that the reporting of this closed case on my credit report is erroneous and violates both the Fair Credit Reporting Act and the XXXX XXXX standards.
Product: Mortgage

My mortgager, Newrez is currently cheating me on my mortgage by doubling my homeowners insurance. They recently inherited the mortgage from XXXX ( who originally errored by purchasing homeowners insurance when I already had it ) but so far either dont understand or refuse to make the corrections even though they acknowledge that I do have my own insurance. I tried to get the additional insurance removed by having my insurance company send proof time after time when first learned of the additional insurance notice but the mortgager at the time, XXXX, for some reason didnt take notice and now it is with the new mortgager, Newrez , who it appears is following in their footsteps. I have written numerous times trying to explain to them their own documents but again nothing ( please see statement in quotes below and attached document containing statement referenced-supporting documents ) : To Whom This May Concern : Again, I am asking you to remove the {$2300.00} from my mortgage payment as this is a result of the previous mortgager, Loan Care, erroneously soliciting and ultimately purchasing homeowners insurance for me when I already had my own insurance. You are charging me twice for insurance and there is a history of me trying to get this rectified with email notifications ( see Attachment 1, letter dated XXXX XX/XX/XXXX and please excuse language ) in addition to my insurance company providing whatever documents that required to show proof. 

I am spending and have wasted a lot of time trying to get this straightened out. It is my hope and desire that you stop referring to this as an Escrow Shortage thats due to taxes and realize instead that it is due to this additional {$2300.00} insurance cost wrongfully imposed on me by XXXX XXXX thats clearly spelled out in the Annual Escrow Account Disclosure Statement printed on your letterhead ( see Attachment 2 ) the actual property taxes will total {$2600.00} and will be due at the end of the year. Moreover, as part of an explanation : Monthly mortgage for XXXX and XXXX - $ XXXX Erroneous Additional Hazardous Insurance Charge from Loan Care XXXX XXXX XXXX or $ XXXX New erroneous monthly mortgage for XXXX going forward - {$1200.00} + {$190.00} = {$1400.00} Note : As with the previous mortgager, it is my desire and intention to eliminate the escrow account thus I am requesting to pay the insurance and taxes myself. 

Some reference to your response of my original message by : XXXX XX/XX/2023, XXXXXXXX XXXX Thanks,
Product: Money transfer, virtual currency, or money service

So it starts with XXXX, I was on there and I saw this newspaper that I thought I really liked and signed up for it for like a month, through XXXX. But I dont have access to that XXXX account. So the newspaper keeps charging me every month now for several months, that I cant turn off because I cant access XXXX to turn it off and Ive tried logging in and Ive tried contacting the company directly and Ive even talked to cash app support about the charges on my account to have them refunded or remove and they are unable to help me because even if I change the debit card number that I used when I signed up the company can still force the subscription payment, via cash app support. But I have no way to turn off that subscription or supposed subscription from The XXXX. I have no access to that XXXX account either. I tried going through normal channels and I dont like to make complaints unnecessarily but this is a messed up situation and seeing as how the company can force a charge on an account they dont have a debit card number for seems ridiculous. I feel that Im being taken advantage of as a member of our society that is not necessarily the most advantaged. This is not my first problem Ive had with cash app overall Ive had a payment of {$750.00} Go away in cash app support has no phone number so I can call them and waiting on them to respond by email to days in weeks and eventually I lost track of it because I had stress in my life to deal with. They then closed that account altogether so I couldnt access that money ever again apparently. Cash app uses poverty as a means to take advantage of people. Youre not the only ones of course. But they are a major player in the finance game, FDIC insured or not, they need to be regulated. And as far as I can tell they are not near as regulated as they should be. It is just one of the things that needs to change to make the world a better place and give people a shot at a decent life. 

Thank you
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with Wells Fargo. XXXX XXXX  had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXX XXXX. I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX  using internet sites to sell our XXXX and exploitations. In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any credit union or bank. All require an account and even XXXX has my social flagged due to the Wells Fargo incident that was due to the person who was XXXX  me last. 

I am XXXXXXXX XXXX XXXX in the case against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX XXXX my middle name ) XXXX and see my XXXX  all over the internet. I can also provide the case number with the court in California. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone on XX/XX/23, try to open a account in my name to XXXX XXXX XXXX XXXX account number # XXXX. I file a report with Experian to have my credit freeze for fraud alert. And file a complaint with Federal Trade Commission ( Identity Theft. gov ). I also sent the company XXXX XXXX XXXX XXXX a copy of a hand written letter they requested along with a copy of my credit report with a copy of the FTC Identity Theft Report, Informing them that someone try fraudulent to try to applied for credit card in my name without my permission or authorization. I sent them a certified letter to them. This information have not been removed from my credit report today. I have done all I can do from my end. Can you please help?
Product: Credit reporting or other personal consumer reports

Harris & harris ltd opened XX/XX/year> " I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and reflect my true credit
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information that has been reported on all 3 of my credit reports. The information in question is in violation of the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 


I recently obtained a copy of my credit reports from Experian, XXXX and XXXX and discovered that there are items listed that do not pertain to me or are misrepresented. These inaccuracies are damaging my creditworthiness and financial reputation, and I believe they may be the result of identity theft or fraudulent activity. 

Specifically, the following items are incorrect : 1. XXXX XXXX account # XXXX ( wrong dates ) 2. XXXX XXXX- account # XXXX ( wrong dates ) XXXX. XXXX XXXX account # XXXX ( wrong dates ) I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to take measures to prevent further dissemination of this false information and to hold accountable any parties responsible for its inclusion on my credit report. 

Additionally, I am writing to formally request validation of each alleged debt they are attempting to collect.Pursuant to the FDCPA, I am entitled to request validation of these debts, including but not limited to : 1. Verification of the amount owed.

2. Proof that they are licensed to collect debts in my state.

3. Documentation showing that they are the legal assignee of the debt. 
4. A copy of the original agreements with my signature, validating that I am legally obligated to pay these debts.

5. Details of the original creditors, including contact information. 

Under the FCRA, credit reporting agencies are required to report accurate information on a consumer 's report, also conduct a reasonable investigation of items on a consumer 's credit report. They must promptly delete these inaccurate items from my credit report. Outlined in Section 1681i of the FCRA. 

With this letter are copies of documents supporting my claim. 

Please keep me informed of the progress of your investigation and any actions taken to resolve this matter. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to address these inaccuracies and restore the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

Please investigate and remove the late payment from my record as it is inaccurate. I take pride in my timely payment history, and this entry does not reflect my financial responsibility.
Product: Debt collection

In response to your previous correspondence, Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. In compliance with these laws the account that was not disputed by me needs to be reported. In regard to your claim of an alleged debt, in which you responded with furnishing deceptive forms in the form of monthly statement ( s ) pursuant to 15 U.S. Code 1692j, My affidavit still stands and must be rebutted line by line starting with jurisdiction any other response is not lawfully sufficient. Thank you