23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with USBank. The terms of my mortgage demand that I pay into an escrow account regular payments - out of which USBank disburses amounts for property taxes and home owners insurance. In 2022, USBank has made XXXX disbursements : XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has left my escrow account with- {$1000.00}. These amounts are correct. 
I received a notice of escrow account analysis for payments due in 2023 on XX/XX/XXXX stating total anticipated disbursements for the next XXXX months of {$12000.00}. The number is incorrect, as the county had recently adjusted my liability and XXXX XXXX increased my home owner 's insurance. I had previously contacted USBank to inform them of the change of amounts, but this was ignored. When I received this incorrect escrow analysis, I immediately contacted USBank, who assured me they would correct the error. I received a second escrow analysis on XX/XX/XXXX stating a total anticipated disbursements for the next XXXX months of {$12000.00}. I again contacted USBank to discuss the problem, they again assured me the error would be corrected. The contact was followed by a letter on XX/XX/XXXX stating that an additional escrow analysis was conducted showing a shortage of {$4100.00} in the escrow account due to the home owner 's insurance, which had already been paid and deducted from escrow. I have now been told there is another escrow analysis being conducted, but I have no confidence it will be done correctly. 
My actual anticipated disbursement is {$3800.00} to XXXX XXXX  and {$2400.00} to XXXX XXXX, CO for a total of roughly {$6200.00} - less than half the amount being demanded by USBank. The mortgage agreement we signed allows USBank to demand escrow payments for the purposes taxes and insurance, with the amounts to be split over 12 months. Even with the shortage payment required- my escrow payment should be about {$610.00}, not the {$1000.00} demanded by USBank. 
I demand USBank meet the requirements of the mortgage agreement and align my escrow payments with the anticipated payments required for 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

Wells Fargo, the owner of the loan, is not allowing loan modifications to occur. XXXX and I qualify for loan modifications based on both XXXX and loss of income.
Product: Checking or savings account

I have filed a dispute on XX/XX/XXXX with Chase Bank. I detailed with images of how i have never used digital wallet from which the fraudulent charges were made from XXXX. 7 total charges in the entire month of XXXX. None of the charges were mine. XXXX told me over phone that they agreed none of the charges were authorized by me, but from an unauthorized account. 
{$200.00} XX/XX/year> XXXX {$200.00} XX/XX/year> XXXX {$220.00} XX/XX/year> XXXX {$180.00} XX/XX/year> XXXX {$150.00} XX/XX/year> XXXX {$8.00} XX/XX/year> XXXX {$16.00} XX/XX/year> XXXX Chase has issued credit back to my account for only 4 of the 7.

{$200.00} {$16.00} {$8.00} are all still missing from my account. One Chase Fraud department representative argued with me that those transactions were pending and not posted. This is not true. They show as posted and the balance reflects that those charges were made and part of the same claim. I spoke to another who then told me those 3 charges were part of a different claim and that claim was closed. Why a different claim? I filed claim on ALL 7 charges in the month of XXXX. He clarified that they were " pending '' at the time of issuing claim ( that's what the first representative was trying to tell me as if it didn't matter to them that it did post after that claim ), yet could not care less that they DID post after. The amount was drained from my account and never returned. 
The 2nd representative told me i could not file another claim on the rest of the funds owed to me. They are refusing to return my funds for all of the charges. The first representative went as far as to tell me to forget about the total i was missing, and that they issued all i was owed. Forget about the {$220.00} still owed to me?

This is when i read online about seeking help from CFPB Attached is the email from XXXX. 

My original claim with Chase was detailing a digital wallet was used. i have never used digital wallet and showed image of my digital wallet showing no previous card used. I showed screenshots of that. I was receiving random XXXX packages for a XXXX XXXX  name to my address. Random packages contained baby bottles and lotions and dog treats. Nothing clearly totalling what was charged to me. I showed images of the random deliveries i was receiving. I showed a screenshot of the XXXX email after they told me that they processed all 7 charges by an unauthorized party and to immediately contact my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried reaching out to this bureau multiple times about accounts that are not mines on my credit report! i need these investigated and removed today!
Product: Mortgage

My mortgage was with XXXX XXXX XXXX after being sold XXXX. In XX/XX/XXXX I applied for a mortgage modification due to the downturn in the economy. After 4 years of submitting the same information over and over, I gave up and offered them a deed-in-lieu of foreclosure in return for a {$10000.00} relocation assistance. I was then told I had to go through a short sale period first, which I did. At the end of that time, I worked with XXXX on the deed-in-lieu and executed that on XX/XX/XXXX & I vacated the home on XXXX XXXX as instructed by XXXX.. That document was never recorded, the relocation assistance was never paid, and on XXXX XXXX my mortgage was transferred to Selene Finance . Now I am almost 2 months into dealing with this new company and they are even more difficult to deal with. I have emailed and called on a regular basis ; I receive no replies to emails and when I call I am told it is being worked on, " just XXXX more thing needed, '' etc. I am living with my ex-husband because I can not afford to rent a place to live until I receive the relocation assistance monies. I have done everything I have been asked to do and in a timely manner and I need some assistance immediately. I am XXXX years old and at this rate I will never be able to purchase another home.
Product: Credit reporting

I disputed the public records listed on my credit report which were dismissed without prejudice, yet Transunion Smart Move continues to report them as judgments for debts, specifically evictions. I requested an investigation, to which the company exceeded 30 days to respond. And when they did respond beyond the 30 days, they responded and said they verified the information as accurate from " a web site. '' As you will see from the attached. The cases were dismissed without prejudice. However the bureau refuses to adjust this.
Product: Student loan

Student Debt USA stated they could help me get my defaulted student loans out of defaut and into rehabilitation process, they are scammers and lied. I informed them I wanted to enter the PSL program as a XXXX XXXX  XXXX. I sent them over tax returns, W2s/Utility bills/ medical bills and more. I made several qualifying payments & was told to wait for the collection agency to turn my defaulted loans over to them. After several emails, they stated my loans were now back w/DOE, they lied. I contacted the Dept Of Education and they stated they never recieved any correspondence from Student Debt USA. My Debt Collector, XXXX XXXX XXXX XXXX stated they never recieved anything as well. The company placed their information email & contact number under my profile on the eddebt website. This was very frustrating as during this time my mom was battling XXXX XXXX and needed care. After recieveing all my personal information and payments they just simply dissapeared into the wind. They appear to be scammers and should be shut down immeditaley. They false advertise and have no intention of honoring their business practise as stated on their still avaibale website. In this day and age in America this is terrible that companies are allowed to continue operating on vulnerable people student loan holders and take advantage of people who have sometimes no hope.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian concerning XXXX XXXX XXXX XXXX   reporting my payments as being late, when I had actually submitted payments in the old amount. At no time was I ever late, since the payments are automatic. I didn't realize I had a problem until it was too late, since I was not opening mail on a regular basis due to COVID concerns. I filed a complaint in early XXXX, and Experian closed it out today ( XXXX XXXX XXXX with my payment history updated from XXXX, nothing else was done. Why even have a complaint system if you do not even address the issue? The outcome would have been the same had I not even submitted the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed you that you are reporting incorrect information on my credit report, and you have come back and stated that the company verified the information. I am demanding that you provide the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. I was only late in XXXX XXXX XXXX. If you can't furnish what I've requested, these late payments on this account need to be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX XXXX XXXX ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX XXXX XXXX XXXX  ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXX. Settlement Office ( # XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXXXXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting

The address, XXXX XXXX XXXX XXXX ; XXXX, Alabama XXXX is incorrect. I have never resided at this address.
Product: Checking or savings account

I logged into my online account at Citibank with XXXX ( password + phone number verification ). Once I was logged in, I tried adding my bank account at BoA to link with Citi. It asked for my Citi debit card number and ATM pin, and apparently I got it wrong and it locked my account and locked me out. Since then, I can not log into my account even after entering all the correct information like my SSN and debit card number.

When I do live chats, they always say they can't help and call some number. When I call every single number, they say they can not help or even redirect my call, and they ask me to call a different number. It often becomes a scam phone number somehow that says " {$100.00} reward is available '' and I have to hang up. I've tried everything to get my online account unlocked at Citibank, but Citibank makes it impossible to do this.
Product: Money transfer, virtual currency, or money service

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 process 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 financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am reaching out to formally document and escalate my ongoing issue with fraudulent accounts and inquiries that have been incorrectly reported on my credit profile. Despite multiple attempts to resolve this matter directly with the credit bureaus, including Experian, XXXX, and XXXX, there has been a consistent failure on their part to adhere to federal regulations requiring the accurate and prompt updating of my credit information. 

Heres what has transpired : Repeated Attempts with No Resolution : I have provided extensive documentation and made multiple requests to remove fraudulent accounts and inquiries that have seriously impacted my credit standing. The bureaus have either failed to investigate thoroughly or have ignored the documentation I've provided. Their negligence has left my credit report littered with false entries. 

Violation of Federal Law : In accordance with Section 609 ( a ) ( 1 ) ( A ), 15 USC 1681, and additional consumer protection laws, I am entitled to a credit report that is accurate and free from fraudulent accounts and inquiries. I have clearly identified the problematic items and expected them to comply with their statutory obligations. Their continued disregard for these requirements represents a blatant violation of consumer protection laws. 

Consequences of Their Inaction : Due to their inaction, I am unable to rent or purchase a home for my family, a situation that is directly impacting our quality of life. This unnecessary harm is unacceptable, and my patience has run out. 

I expect the CFPB to convey my formal grievance to each bureau involved. If they do not immediately remove the fraudulent accounts and inquiries, I intend to pursue legal action. As stipulated in my previous correspondence, I am prepared to seek compensation of {$1000.00} per unresolved fraudulent item, along with {$10000.00} for the emotional and financial XXXX caused by their non-compliance. 

I look forward to a swift and effective resolution to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months
Product: Debt collection

I am writing to formally dispute a charge-off account with JPMCB Card that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, JPMCB Card is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings. The two amounts being pursued are {$6500.00}, and {$4300.00}.