23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) 1099-C provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and XXXX have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor Capital One/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Capital One/XXXX, XXXX XXXX, XXXX, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : XXXX % On-Time Payments. 
XXXX year old credit history line. 
XXXX % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
Product: Mortgage

How are there 3 PMI payments deducted for 1 month by previous mortgage company and transferred to a new servicer less than 8 days later? Dovenmuehle nor XXXX will not explain, and they will not explain how my Escrow account only has {$6000.00}. 
On XXXX XXXX there was a third-party payment to Dovenmuehle Mortgage Inc. on my behalf. There is an ERROR with the way money has been disbursed towards my account. 
XXXX XXXX XXXX XXXX  ( DOVENMUEHLE ) XXXX XXXX id # XXXX is very rude and disrespectful and still give the wrong information about not locating my third party payment. On XXXX XXXX there was a new direct deposit third-party payment again on my behalf and XXXX XXXX XXXXXXXX and Dovenmuehle Mortgage Inc. accepted the payment but did not apply and did not transfer the funds to the new mortgage loan servicer. I have been given the runaround for weeks about this payment. I have called numerous times, I have sent several emails as well. I keep being told that the back end office are not able to locate the payment. THIS IS FALSE INFORMATION. The money cleared per third-party payor, which is how I was able to provide : PAYMENT REFERENCE NUMBER, BANK PAYEE NUMBER, BANK TRACE NUMBER and all other receipts from XXXX as proof of PAID for XXXX XXXX. 
I called again today @ XXXXXXXX XXXX and XXXX/DOVENMUEHLE MORTGAGE INC has still been lying saying they only received XXXX payment when I clearly provided the XXXX payment information. 
DOVENMUEHLE AND XXXX KEEPS LYING SAYING THEY CAN NOT LOCATE PAYMENT TO TRANSFER TO FREEDOM MORTGAGE, also they will not provide me with a tracking number either.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER APPLIED FOR THESE ACCOUNTS
Product: Credit reporting

All of the medical bills on collection should have been paid off by XXXX. I have XXXX and because of my low income, they pay 100 % of my doctor and hospital bills. If the original billers would just contact XXXX, they would find out, and my credit would not be effected. 
Please, can you help me?
Product: Mortgage

Today, XXXX XXXX, I have spent almost an hour today trying to find out where our {$30000.00} overpayment is. I have spoken to three different agents via chat ( XXXX, XXXX and XXXX ) plus an agent at XXXX XXXX. 

Here is what happened : At approximately XXXX on XXXX XXXX, I requested the payoff for our loan. We only owed {$270.00}, XXXX ( approx. ). Up to that point we had paid the following : XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} XXXX XXXX : {$30000.00} Total : {$120000.00} XXXX XXXX : {$50000.00} XXXX XXXX : {$50000.00} XXXX XXXX : {$50000.00} Total : {$150000.00} Grand Total : {$270000.00} We received the payoff amount ( approx. {$2200.00} ) and wired the money that morning. 

However, another {$30000.00} payment was made.either by me or by Flagstar pulling the funds ( possibly unauthorized ) on XXXX XXXX. I can't tell from either bank what happened. Either way, we overpaid by {$30000.00}. When I called on XXXX XXXX, a XXXX XXXX case ( # XXXX ) was opened. On XXXX XXXX I received an email from Flagstar telling me that the case was closed.with no mention on how it was closed. I went into the loan information and saw Reversal in regards to the {$30000.00} overage. 

I then called XXXX XXXX and spoke to XXXX, where the money should have been re-deposited and there have been no pending transactions. XXXX XXXX apparently thought the reversal was a request for payment and told Flagstar that there were 'no sufficient funds ' ( NSF ). Of course there were NSF because the {$30000.00} had already been pulled by Flagstar. 

I then called Flagstar back and was asked to provide a bank statement PROVING that the money had been removed from the XXXX XXXX account! Even Flagstar 's own Transaction Activity shows that the {$30000.00} was posted to the mortgage loan and was 'unapplied '. 

Their account activity ( which I have ) also shows that a grand total of approx. {$300000.00} was paid. So this shows that they actually had the overpayment of {$30000.00}. I don't know why I had to prove that the money was removed from XXXX XXXX. 

I have read other reviews of this company and how it takes months to get money returned to people.
Product: Mortgage

I have been a customer of Quicken Loans for 20 years. I have never made a late payment. I used XXXX to attempt to purchase my new home. I sold my home in early XX/XX/XXXX and XXXX was paid off for their prior mortgage. 

From the beginning I agreed to make a 20 % downpayment on a purchase for {$160000.00}. Today 5 hours before my Second scheduled closing the downpayment somehow increased from {$32000.00} to {$34000.00}. This was never agreed upon nor discussed. 

When I bring this to their attention no one calls me. One of their bankers wrote that he was in a meeting but when he checked the numbers he could change the downpayment back to {$32000.00} but now we can not close. 

I have had my family in a hotel for a week which cost over {$1300.00}, I have storage costs so far of {$220.00} I have already paid movers {$4200.00} and now will have to hire movers again. 

This {$2000.00} dollar change the day of closing is unfair and deceptive. Please investigate. 

I couldnt do the math to make it add up. Please see the loan amount, and the downpayment the numbers do not add up : Review Your Final Numbers Here are your final numbers for closing. Please review them and let us know if they look right to you. 
Loan Program FHA - 30 yr Fixed Interest Rate 2.250 % Monthly Payment {$1000.00} Loan Amount {$120000.00} Purchase Price {$160000.00} Down Payment {$34000.00} Deposits {$1000.00} Credits {$3000.00} Total Due At Closing {$36000.00} Your name ( s ) on the title will appear as : XXXX XXXX, a married man and XXXX XXXX XXXX, his wife
Product: Mortgage

My mortgage loan with Bank of America was first a fha loan now it is a conventional loan which I have not signed any documents changing my loan or spouse. I have request for information on changes to my mortgage loan and I have been getting the no response! Bank of America Mortgage has in copy & past signatures before robot signatures me and spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcct # XXXX, XXXX XXXX Acct # XXXX, 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 my written instructions.
Product: Credit card or prepaid card

Yesterday, XX/XX/21, I found the promotional rate for the Venmo Credit Card on their website ( XXXX XXXX XXXXXXXX ) They are advertising double cash back for the remainder of the year if you apply before XX/XX/XXXX. I followed the steps on the webpage in order to apply, but was not allowed to apply. Today, I attempted again. The help section in the app directed me to call XXXX XXXX, at XXXX. I spoke to two representatives there and they told me that I needed to speak to Venmo because I wasn't even able to apply. They gave me the number for Venmo, and I spoke to a representative and his supervisor, and they told me that I can't apply, and that the application isn't even available for their employees. I told them that is not correct, and they should not be advertising a credit card, and then not allowing people to apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS SERVES AS AN ADDENDUM TO REPORT NUMBER XXXX. SUBMITTING SUPPORTING EVIDENCE REGARDING XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE. I kindly request the prompt removal of the unauthorized accounts from my credit report. I did not open or authorize these accounts, and their origins are unknown to me. In compliance with USC 1681g, I am formally requesting their removal within XXXX  days. Relevant documents are enclosed for your review and reference.
Product: Credit reporting or other personal consumer reports

XX/XX/ Opted-out third party reporting & Credit Reporting Updates XXXX XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Specific incorrect information incorrect name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - please remove all incorrect date of birth Non-Mailable addresses incorrect previous addresses incorrect Nonpublic Previous employers incorrect non-matching account XXXX XXXX incorrect Non-matching account types incorrect Non-matching account type - detail incorrect Non-matching bureau code incorrect Non-matching account status incorrect monthly payment incorrect Non-matching Date Opened incorrect non-matching balance incorrect No. of Months ( terms ) incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching past due incorrect non-matching payment status incorrect non-matching last reported date incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment incorrect non-matching two-year payment history
Product: Checking or savings account

I have not received my direct deposit in my checking account. 3 days and my funds are still not available. I received an email yesterday at XXXX that they are having technical issue. I have automatic payments coming in and i am now on negative in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX U.S. Code $ 1681c-2 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX provided transcripts that confirm the inaccuracies XX/XX/23 was a balance of XXXX XXXX Thus XX/XX/23 can not be a balance of XXXX XXXX  as experien has fraudulently documented. 

XXXX also confirmed the balances in the transcript were what they reported to experian but experian shows different numbers. 

Experian Shows a balance of XXXX XXXX for XXXX then an increase of balance in XXXX to XXXX XXXX which is flawed and doesn't make sense. 

Please check the pdf transcript from XXXX.
Product: Debt collection

Boniville collections called me at XXXX XX/XX/XXXX stayed that I now have 3 different debts that Im not sure exactly what they are talking about I requested they send me the info on the debts they stated that they had sent someone to my address with papers to sue me and that Im never home when I exclaimed that was illegal and I wanted a copy of the phone recording they got hostil and told me no then demanded I maps payments
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX XXXX Dear XXXX XXXX I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for reporting inaccurate information on my credit report. The information they provided " does not match data from other credit reporting agencies. '' XXXX has reported a debt that I do not owe. " Under the XXXX XXXX XXXX XXXX XXXX  I have not provided any evidence that Developer XXXX owes any debt, and therefore, no such debt exists. '' XXXX 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : XXXX is reporting inaccurate information.

15 U.S.C. 1681i : XXXX failed to properly investigate my dispute. 
15 U.S.C. 1681e ( b ) : XXXX has not assured maximum possible accuracy. 
15 U.S.C. 1681s-2 ( b ) : XXXX did not investigate after notification of dispute. 

Their actions are causing significant harm to my credit. 

I request that the CFPB investigate and take action against XXXX for FCRA non-compliance and ensure the removal of the inaccurate information from my credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date 2times..Please delete account from my credit report
Product: Credit reporting

I was a victim of identity theft and the person who stole my identity had used my social and had my credit ran to receive services. Detailed list includes the XXXX hard inquiry in which they got approved for services fraudulently is still on my credit report even though this was reported as fraud with my sheriff 's dept and an affidavit from FTC was submitted. This item is being used by someone in XXXX and the service address is showing XXXX. I live in XXXX and dont live in XXXX. Another one, XXXX XXXX, I dont have any credit cards and havent applied for any credit cards, and someone is applying every few months with XXXX XXXX, again, this is fraud and the credit reporting companies are refusing to remove this item. I have sent letters in writing with copies of my police report with XXXX County Sheriff # XXXX and my signed affidavit from the FTC has been submited to each company I have disputed with so these need to be removed. There are about XXXX accounts between the last year that this person used my social to obtain a hard credit inquiry for and also XXXX collections account from XXXX for XXXX that was confirmed fraud and needs to be removed.
Product: Vehicle loan or lease

I responded to an ad for a auto refinance loan from XXXX at a rate of 2.99 %, completing an application online. The application was very generic and did not include details on what I was requesting, but I immediately got notification that their had been a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I contacted them directly, concerned it was a scam, and they said they would investigate. I later received a notice of adverse action denying my loan. 
I received an email confirmation of loan approval from XXXX from one representative ( XXXX XXXX ), however I ended up speaking with another representative XXXX XXXX XXXX ). 
I was requesting to refinance my loan with XXXX XXXX to : 1 ) lower the term of the loan from 60 months to 36 months, and I acknowledged that I understood that would increase my monthly payments ; ( 2 ) Lower the interest rate ( which was 4.95 % with XXXX ) ; ( 3 ) Replace the current loan company ; ( 4 ) Secure a Loan with no pre-payment penalties. My XXXX was listed as co-applicant. 
After discussing my loan needs with XXXX, she seemed positive that they would be able to do my loan. In the final conversation with XXXX, she states they were unable to accommodate my loan request. She stated they hadn't offered a 2.99 % loan for some time, and also stated that my credit was good and did not factor into their decision. I then received letters of adverse actions from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I sent a letter requesting specific statements for my credit denial from XXXX, and emailed XXXX XXXX also requesting additional information on the credit denial, and received No Response from either. I contacted both of the other companies, and neither offered at 2.99 % loan, and both indicated they had rejected the loan because the information they had was for a very lengthy loan term ( over 70 months ) that they did not offer. XXXX had submitted incorrect information regarding the loan I was seeking because both said they accepted 36 month loans. Their loan rates were higher than my current loan. 
Thus XXXX XXXX XXXX XXXX engaged in a bait and switch advertising offering a 2.99 % loan to get me to apply for an automobile refinance. They provided false information on the terms and conditions of my request to potential lenders, leading them to do inquiries on my credit report that effected my credit rating, and resulting in Adverse Action. XXXX refused to provide details on why they denied a loan they had initially told me was approved. I believe they should be investigated and held accountable for unethical business practices that caused harm to the credit of others. 
I have copies of the advertisement, correspondence with the representatives, Letters of Adverse Actions, and letter requesting additional information on my loan denial. I am unable to download materials but can submit them in hard copy if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2017 my vehicle was repossessed and I was refused a payment reinstatement and a payoff amount. The creditor did not give me the date, location, or sale price at auction, regardless of my calls. 
My complaint is they failed to give me proper notice by rule of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions.