23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX we received an Escrow statement from our mortgage company that had incorrectly calculated the property taxes for the year. The annual taxes increased from {$3100.00} to {$7200.00} ( doubled ). This caused our total mortgage payment to increase from {$1700.00} to {$2200.00}. Initially, we contacted the company via phone in XXXX of XXXX and were told a ticket had been created and the issue would be resolved in 1 month. After not hearing back for two months we contacted again via phone and were told there was no record of any conversation or ticket being created.

Next, I began a conversation in the secure message center on their website outlining the issue on XX/XX/XXXX. The first two representatives that responded did not understand the issue and were of no help. The last representative in the secure messages ( XXXX XXXX. ) appeared to understand the issue but could not make the corrections herself. A work order was submitted on XX/XX/XXXX and was due to be completed by XX/XX/XXXX. This led to another Escrow analysis being completed and our taxes were raised again, this time from {$7200.00} to {$10000.00}. This caused our total mortgage payment to increase from {$2200.00} to {$2700.00}. 

We contacted via phone again, and another Escrow analysis was completed on XX/XX/XXXX. No change was made to our taxes. 

We attempted to call one more time at the end of XX/XX/XXXX and were told a high-urgency ticket had been created and our tax line would be changed. Another Escrow analysis was completed on XX/XX/XXXX and our taxes had increased, yet again, from {$10000.00} to {$14000.00}. Our total mortgage payment increased to {$2900.00}. 

As it stands, our taxes have increased by {$11000.00} ( an increase of nearly 300 % year-over-year ) and our mortgage payment has increased from {$1700.00} to {$2900.00} ( nearly doubled ). 

Some key points, we have not missed a single mortgage payment for the entire life of our loan ( even the erroneously inflated amounts ) and no significant improvements have been made to the property that would cause the taxes to increase. 

I am attaching all of the referenced Escrow statements, the tax bill from XXXX for each parcel, the 6-year tax history for each parcel, and a mortgage statement from XX/XX/XXXX that had our correct payment amount before this debacle started. I have also attached a printout of the secure message center conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX credit usage 0 % has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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: Mortgage

Our property taxes were due by XX/XX/XXXX. Loan Depot paid a portion of the taxes in XXXX but did not pay the total amount which made us delinquent on our taxes for XXXX tax year. We were contacted by the XXXX XXXX of the shortage and that we still owed {$7500.00} since Loan Depot only paid {$3700.00} of a {$11000.00} bill.We relayed this information to Loan Depot in the manner below is the email we sent to Loan Depot : THESE ARE TWO EMAILS WE SENT TO THE EMAIL THEY SUGGEST WE CONTACT : XXXX # 1 To whom it may concern, My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. 
Please let me know if there is anything further on our end that needs to be done. 
Thank you, XXXX XXXX XXXX & XXXX XXXX THIS IS THE SECOND EMAIL WE SENT THEM AND GOT NO RESPONSE : # 2 To whom it may concern, We are requesting that we be reimbursed for the {$670.00} that we were penalized for taxes to XXXX XXXX, TX not being paid in full for XXXX. 
My husband XXXX XXXX and I spoke to a customer service rep on XX/XX/XXXX, about our taxes not being paid in full, we were told to fax the XXXX TAX STATEMENT we received to XXXX, this was done on XX/XX/XXXX. We called back and it had not shown that it was received, and we were told to also send this email with the XXXX TAX STATEMENT, which is attached. The taxes were still not paid and a penalty was applied for the amount of {$670.00}, this penalty was assessed while we still had a mortgage loan through the Loan Depot. There has been no communication and we were told by your customer service rep that the penalty would be taken care of and reimbursed through Loan Depot 's mortgage company. 
This has caused a major hardship on our family due to the negligence of your organization for the second year in a row! We hope to get this issue resolved, if this is not handled through your mortgage company we will have no choice but to file a complaint with the Consumer Finacial Protection Bureau ( CFPB ). 
Thank you, XXXX XXXX XXXX & XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a debit card with " Cash App, '' who holds a balance in an app on my phone. The card draws funds from that balance. If any problem occurs, you can chat with a robot. If you get frustrated with the robot, who recommends articles that can't help you, they transfer you to someone who does not speak english, and who attempts to delay, frustrate, and deny any assistance. 

You can not call anyone, they always say that you will get an email to solve your problem later. The emails are form letters that never help you or even try to understand what your problem is.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX Balance {$5800.00} opened XX/XX/2019 I do not recognize doing any contract or business, please verify this debt,.
Product: Debt collection

I received a letter from them stating I was n't responsible for paying the debt anymore due to the statue of limitations. I have requested information validating that I owe the amount on this account on two occasions and they have failed to do so. They notified the credit reporting agencies that it was validated, but proof has still not been submitted to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( 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, Ieaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces 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 for these violations.
Product: Debt collection

I have contacted Fox Collection agency numerous times and they will remove the debt and the very next day put the debt back on my credit report. This debt was discharged due to bankruptcy before it ever went to collections.
Product: Student loan

This complaint pertains to Navient and their processing of my student loan payments. I had previously submitted a complaint ID # XXXX. Following the submission of my complaint, I received a response from Navient indicating that they were extremely sorry for the issues with my account, and that they were going to be changing my bills so that I only received 1 statement per month instead of the 2 that I was receiving. They also assured me that they had corrected all the misapplied payments and removed any late fees and penalty charges. Navient did advise that this would not go into effect until the XX/XX/2020 statement. 

I am now in receipt of the XX/XX/2020 statements - emphasis on the plural - and they reflect that I have an outstanding balance, outstanding late fees and I've been receiving harassing phone calls from Navient agents telling me that my account is past due and that it is adversely impacting my credit score. I've attempted to get them to review their records prior to calling me, or even after they've called and begun harassing me, but they refuse and insist that I am mistaken and that my account is past due. 

Navient 's blatant disregard to rectify this situation is believed to be intentional and directly targeted at trying to obtain more fees and charges and drag the payment of my loan period on so that they can reap the benefits by way of ever incurring interest on the accounts. 

I am given 2 separate statements each month and I make the payments in full and prior to the due date. I have several loans in each " packet ''. I do not control how the payments are apportioned, Navient does. Each and every month since they've been handling my loans ( in excess of 1 year ), they misappropriate the payments ; overpaying some loans and underpaying other loans in each packet. I have attempted to resolve this situation directly with Navient with no success. 

Navient 's lackadaisical response to my complaints demonstrate an intentional disregard for providing proper customer service and likely illegal activity. Navient 's disregard of the CFPB process, and their flippant response to my complaint, which was a complete and total lie is absolutely appalling and needs to be corrected. If Navient refuses to correct the situation, there will be no choice but to pursue legal action. 

Navient 's ongoing harassing phone calls and refusal to correct this situation is evidence of their intentional attempts to inflict emotional distress upon me and cause further financial harm. The behavior that they have displayed is not only despicable but should be punished. I am certain that I am not alone in these complaints against Navient. Surely the numerous legal defeats they have suffered does not deter them from continuing to abuse and punish their customers. 

I am giving the CFPB process one more chance in hopes that there is someone advocating for the consumers here. If this process fails, I will be left with no other choice than to protect my interests by more aggressive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Account # : XXXX Balance : {$0.00} XXXX XXXX  Account # : XXXX {$8900.00} - Charge off XXXX XXXX Account # : XXXX Balance : {$570.00} - Charge off ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Correction of Credit Report Information Dear Experian, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with XXXX XXXX XXXX XXXX. 

Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry.

I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. 

The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ).

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. 

Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies.

I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that XXXX XXXX XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. 

In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. 

Your prompt attention to this matter is crucial, and I trust that Experian, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX, XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that TransUnion has inaccurately reported as accurate. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. Additionally, they have responded to the CFPB complaint but failed to certify that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court upon request. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions. Liability for this debt has not been lawfully established.

Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, section 1692 ( e ) of the U.S. Code A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX 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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

1. XXXX - XXXX 2. XXXX XXXX - XXXX 3. XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX  XXXX - XXXX 6. XXXX - XXXX 1. XXXX  XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX  XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XXXX/XXXX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, my American Express ( AMEX ) account was charged for a purchase I did not authorize. AMEX allowed a purchase to be made in the amount {$840.00}. The charge was for a software subscription from XXXX XXXX. I was not contacted by AMEX which is my request that I always be notified of a transaction that is large ( $ ) and any transaction where my card is not present. For every transaction that I have made on my account AMEX abides by my wishes-except in this case. I have disputed it since XXXX and each dispute has terminated with AMEX accepting the XXXX argument that this is a subscription and they have my card number. The card number used is not my card number. The person named as the subscriber is " XXXX ''. That is not my name. AMEX continues to ask me to resolve the matter with XXXX XXXX. I can not. I have no status with XXXX, and I can not get past their initial screen with a PIN since I do not have a subscription to this software. In fact, it seems nobody does. " XXXX '' is unreachable. My ability to handle this matter is stifled by AMEX 's inability to accept my arguments and my inability to deal with XXXX sales to try to resolve.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report there were incorrect addresses, phone numbers, and employers information that isn't mine. Also, two inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I want this all removed.
Product: Credit card or prepaid card

American Express advertises a promotional offer to its customers through its branded travel division termed the " Fourth Night Complimentary Offer. '' However, the characterization of this promotion is purposely misleading, because AMEX customers do not actually receive a complimentary night ( or nights ), or an equivalent financial savings. 

I contacted AMEX with this written complaint ( attached ) and it responded with an e-mail robo-response directing me to call its AMEX platinum travel.
Product: Debt collection

I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint.
Product: Mortgage

Further to Rushmore Loan Management Services response letter dated XX/XX/2022 ( attached - 3 ), Rushmore Loan Management Services claimed that I did own or short pay for the payoff funds for {$160.00} as of XX/XX/2022, total payoff due {$200000.00} which is incorrect and misleading. 

According to your instruction/ payoff letter dated XX/XX/2022 ( attached -2 ), it has been stated clearly that Through XX/XX/2022, the required payoff amount is {$200000.00}, based on the instruction, I have been settled and full paid on XX/XX/2022 by TT payment before the deadline ( i.e XXXX XXXX, XXXX  ). ( attached-1 ) As the professional and reputation of the loan management company, ensure all the data is correct, and please make sure to provide the correct information. 

If there is an overpayment due, the refund will be issued to XXXX XXXX, at XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Vehicle loan or lease

XXXX of XXXX i purchased my XXXX XXXX XXXX model with credit and they took XXXX cash for down payment and also charged me for monthly payments. I recognize thats Wells Fargo is a third party on this auto transaction due to the fact that i am the original creditor and only creditor. i have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX