23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I closed on a house in XXXX XXXX with US Bank as my lender. For the last year I've received increasingly large and concerning tax bills that were not reflect in my escrow account, which was set up to pay my taxes and home insurance. I have already had to pay late fees because of the escrow account not properly paying my property tax bills. 

More recently, after receiving my most recent tax bill, my bank has informed me that they are increasing my monthly payments to account for the tax bills they failed to account for when they gave me my mortgage, indicating that they are not responsible for any prediction of tax burden beyond just using the last available tax record from the county. 

XXXX County due to its size only re-assesses property values after the sale of a property, for single family homes at least. US Bank used the assessed price from XXXX when the property sold for HALF the value I purchased it for. 

US Bank is asserting that they had no responsibility, nor way of knowing that the tax burden on my house would be twice what they had estimated when I signed the mortgage. This is a patently absurd assertion as they themselves admitted that the tax burden they indicated was an estimate, so I as the consumer naturally assumed that it was an estimation of WHAT I WOULD BE PAYING. Not an estimation of what the previous owner had been paying. 

Due to this large miscalculation and their complete failure to take any accountability, I am now concerned that I won't be able to remain solvent for an extended period of time, additionally, I would not have signed the mortgage if I had any indication that my monthly payments would exceed 4,000 dollars as they now claim they will. 

I know that this is an intentional negligence as the appraisal that the bank required me to get estimated my home 's value at XXXX $ and the county assessed my home at XXXX . So the bank had all of the necessary information to make an accurate tax estimate and they chose to not do the necessary work. They told me, explicitly, that they intentionally do not calculate those estimates. That is intentional negligence. Plain and simple. 

Attached are my most recent tax bill with the assessor 's value for my house. The appraisal of my house and the final quote for my mortgage with the tax estimations from the time of signing.
Product: Credit reporting or other personal consumer reports

I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to XXXX XXXX XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting or other personal consumer reports

Inaccurate account needs to be removed immediately
Product: Debt collection

My American Express account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that American Express employeed because I had not responded to the request from the previous agency all because they had the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 43 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Trans Union is debitting {$17.00} from my account monthly and I can not stop it. I have called several times, account confirmed cancelled, and they keep taking the money. They refuse to provide documentation of this monthly debit being authorized. I demanded documents, they refuse. The Escalation Department resists service to me. Even my Bank is not responding to my disputes of the debit. There is no evidence of this obligation.
Product: Debt collection

I explained to the collector that insurance was provided and time of service and then I also provided insurance information again to them several times. I was told they would apply it to applicable accounts as some accounts they waited to long to file with the insurance company which was not my fault. However, the creditor agreed to remove these debts from my credit report but did not. I then disputed it with the 3 credit bureaus and each time XXXX come back verifies the debts as accurate. I have attached the communication between me and XXXX as this has been a burden and unfair practice to damage my credit. Furthermore, no communications about all of these debts were ever received just a 2 and I found out by pulling my credit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

I am writing to convey an overwhelming sense of urgency and frustration that can not be overstated. It has come to my attention that despite my repeated efforts to resolve the matter, fraudulent accounts persist on my credit report. This constitutes a flagrant violation of my consumer rights and is utterly intolerable. 

Your persistent failure to address this issue is not only unacceptable but also deeply troubling. The presence of these fraudulent accounts is tarnishing my financial reputation and causing considerable distress. As a victim of identity theft, the negligence of your bureau only exacerbates the severity of the situation. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

I demand immediate action on your part to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that the practices of your bureau are inadequate and must be rectified without delay. 

Furthermore, I anticipate a written response from you within the next five business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I insist on receiving comprehensive documentation outlining the steps taken to investigate and resolve this matter. 

Let me be unequivocal : should these demands not be promptly met, I will not hesitate to pursue legal action against your bureau. The repercussions of your inaction will be severe, and you will be held accountable for the significant harm inflicted upon my financial well-being.
Product: Mortgage

XX/XX/XXXX : PennyMac Loan Services, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. NMLS ID # XXXX provided payoff statement on XX/XX/XXXX for XX/XX/XXXX. The amount was {$190000.00}. 

XX/XX/XXXX PennyMac Services, LLC received the wire transfer on XX/XX/XXXX XXXX  XXXX XXXX has confirmed that PennyMac has received the Payoff ( {$190000.00} ) on XX/XX/XXXX at XXXX EST.PennyMac did not provide a written final payment statement after request. 

XX/XX/XXXX to XX/XX/XXXX Pennymac has not applied for the payments correctly and closed the loan. 
PennyMac has not responded to the written emails.

PennyMac has not provided the final statement and the ETA to release the lien. 

Customer Complaints : Applying your payments correctly, Misreporting mortgage account status to you or to credit reporting agencies, Paying additional fees
Product: Debt collection

Made arrangements with hospital to pay outstanding balance, which I am currently paying. Rather than consolidate all outstanding bills which are in the same facility, they have turned some of the bills over to a collection agency. I am a senior on a fixed income and am trying to rrepay.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX On XX/XX/XXXX, EXPERIAN deleted the following information from my credit report : was confirmed.

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EXPERIAN has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that EXPERIAN complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EXPERIAN ] regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am extremely disappointed, and I am writing this letter for your company to finally pay attention to my pending request of removal of these inaccuracies that are causing a huge backlash on my mental health. Please find the FTC report attached to this letter and reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

2. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

3. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

4. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

5. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

6. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

7. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

8. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

9. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

10. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

11. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

12. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off the vehicle on XXXX I called on XXXX inquiring about my Title, was told that it will take 10 days to process. Per Volkswagen Credit FAQs it's ten days but that time has passed. I called and spoke to 3 separate specialist giving different answer each time. I spoke to specialist on XX/XX/XXXX was told that i would get the lien release in 3-5 business days after VW was already late. I called on XX/XX/XXXX asking for tracking number for my title and was told by another person that it will 5-10 days instead of the prior 3-5 days. They switch title vendors in XX/XX/XXXX and this is still a problem which is unacceptable. Every day of delay i can not sell my car which affects the price, along with registration and insurance payments for a vehicle I can not legally drive.
Product: Money transfer, virtual currency, or money service

I have been using MoneyGram for years without a problem. Then recently I tried sending money to a friend in XXXX and MoneyGram wouldn't do the transfer. For some reason everyone at the desk including the manager in XXXX seemed secretive and finally the manager said there was nothing they could do about not being able to use MoneyGram. Then I tried to use XXXX XXXX and apparently both have me blocked for some unknown reason. I would like to get in on the lawsuit I just read about. Prior to this I didn't know anyone was having this problem besides me and I had no where to turn to until I saw the article about MoneyGram being sued and apparently this is not just my problem. If you get any where with this lawsuit include my name in it as well. Any new information about current or future lawsuits against this company would be something I'd like to have. You can send me anything regarding this to XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Here are the items that I need to have fully verified as being 100 % accurate : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXXL XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

Also You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A short sale was negotiated between my lawyer and XXXX XXXX servicing center for the following property : XXXX XXXX  XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

XXXX XXXX keeps reporting to Transunion that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The Transunion credit report still shows this balance. 

In fact, I have not received a single piece of mail from XXXX XXXX since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed XXXX XXXX FCRA compaint by mail and they never responded to it. ( attached )