23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the XXXX complaint I have filed with the CFPB regarding the Deceptive Lending Practices by XXXX XXXX XXXX XXXX XXXX and Dovenmuehle Mortgage Inc. 

My lender has made several false statements regarding my eligibility for a COVID ALM Modification. 

XX/XX/XXXX the COVID ALM Modification was calculated at a 20.21 % reduction. 

Instead of providing me information about the new Mortgage payment, the XXXX XXXX they made a conscious Decision to not even notify me of this new payment. 

My lender made choice to remove me from XXXX XXXX and XXXX XXXX Options in XX/XX/XXXX. 

I have been fighting my XXXX for over 2 years now. I should have never been put through any of this XXXX. 

Now they have sold my house XX/XX/XXXX without providing proper notice after a Rule XXXX hearing. The rule XXXX hearing was XX/XX/XXXX, the judge signed this order XX/XX/XXXX. Sold my house XX/XX/XXXX. 

This would be the third vacated Foreclosure, second for the same reason. 

It is more than obvious they have been trying to defraud my home since XX/XX/XXXX. Showed intent when they removed me from COVID Forbearance and COVID Modification in XX/XX/XXXX. 

In the mediation hearing held XX/XX/XXXX the lender didn't feel it was necessary to provide me notices of these actions. 

They are required to provide proper notice after a rule XXXX hearing. 

They stole my house for the XXXX time. When will I get action against my lender. 

I shouldn't have to continue with the lawsuit causing me even more horrendous hardships. 

They need to be held accountable for this. 

There are over XXXX complaints through the CFPB about Dovenmuehle Mortgage Inc since XXXX. That should be enough to create some attention don't you think? 

All I know is they do not correct this action and come up with a sizeable compensation for the last 2 years I will continue to file complaints and move forward with the lawsuit that I will without a doubt win. 

They had better stop these Deceptive Lending Practices and make serious steps to correct others that have lost their homes like this. 

I am going to start adding names into my lawsuit so that it will be the individuals involved, not just the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX and XXXX XXXX
Product: Credit card

I opened a secured credit card with TD Bank USA and the account was sent to collections. 

The company is called XXXX XXXX XXXX XXXX XXXX. TD bank confirmed to me that i would have my {$500.00} secured deposit returned to me since it was sold it a 3rd party. Today he balance was deducted from my account and td bank kept the deposit. I need help getting my depsot back to me since the 3rd party now owns the account and the remaining balance was conformed by td bank that its to be returned to me but they kept it instead/
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. state have the rights to privacy. 

account : XXXX XXXX XXXX/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records of conviction of crimes which antedates the reports more then 7 years. 

15 U.S.C 1681s-2 ( a ) ( 5 ) 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: Money transfer, virtual currency, or money service

I want to transfer funds onto my XXXX account, but it says PNC has changed so I cant.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Western Finance in the amount of {$1700.00} this company has stated that file lawsuit if I do not respond within 5 days
Product: Checking or savings account

Merchant XXXX made a mistake by debiting {$370.00} from my account and once I talked with them about this error I had already paid {$120.00} towards my XXXX bill they credited back the {$370.00} back into my account and now Chase bank is not honoring this transaction I was on a three way call with chase bank and XXXX and they did verify the error and now my funds is not back into my account as Chase bank did agree upon now my account is overdrawn {$450.00} now chase bank will not credit my money back into my account whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing with the CRA since XXXX XXXX about the old and inaccurate accounts reporting on my credit report, i have some of the accounts FROM XXXX below that are old and pass the 3 years Statue of Limitations for XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had received notification on my phone from XXXX XXXX that my credit report had a collection account reported in the amount of {$13000.00} by Credit Consulting. I called Credit Consulting to find out what this was and they told me that it was a medical bill from XXXX XXXX and that I would have to talk to XXXX XXXX. I called XXXX XXXX and questioned the collection and told them that I hadn't been to the hospital in years and that the collection isn't mine. The hospital referred me back to Credit Consulting and told me I would have to deal with them because the account had already been turned over to them. When I called Credit Consulting they started asking me for some of my personal information such as my SSN and my DOB in which I was hesitant about giving but I did end up giving them the information. I thought they would help verify that this was not my account. I left the account alone for a while and didn't worry about it anymore. In the later part of the year in 2020 my wife and I wanted to start shopping for a house. When I went to my lender to get preapproved the collection issue came up again. My lender tried to help me get this resolved and we did a 3 way call on XX/XX/2020 ( myself, my lender and credit consulting ) and spoke to XXXX at the collection agency. She advised us to send a fax to XXXX at credit consulting with a brief description of what our conversation was and to also send a copy of my Identification so that they could compare signatures. We never heard back from them. Meanwhile I called them just a couple of days ago to get a status and they told me that I have to file a claim with you and I have to file a police report for identity theft and give them a copy. I do hope I can get this corrected. It has delayed my opportunity to purchase a home.
Product: Mortgage

I closed my mortgage on XX/XX/18 with Freedom Mortgage. The loan funded on XX/XX/18. Freedom was to mail me an escrow balance from my previous loan in the amount of $ XXXX.The check was never received. I have contacted Freedom 12 times and have been lied to each phone call. Freedom has to me the check was mailed twice. They have told me they didn't have my address. They have told me a supervisor will contact me. To date, a supervisor has not contacted me and I have not received my escrow check from the XX/XX/XXXX closing. my current loan # XXXX. However, the escrow check is due from my previous account. that account number is # XXXX On my latest calls, XX/XX/18, I was told that Freedom did not have my address. On XX/XX/18, I was told by AL, # XXXX, that he could not find any record of an escrow check due me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> :
Product: Credit card or prepaid card

I have a capital one credit card that I've had for years made every payment on time kept the account in good standings and the last time it was a increase on the account was XX/XX/XXXX I have no payment problems with my other creditors no late payments or anything and they have not done nothing to increase my account in almost 4 years I did put a request in on XX/XX/XXXX but got a email saying that we will email you in a few days with a response which if it went through it would've said it right there so I know I didn't get it I want to close the account but I know it will hurt my credit score if I do if you can help me with this matter it will be very helpful I don't need a card company that does nothing to look out for it's card holders if I could close the account today without hurting my credit score I would 4 years and nothing they care only about people making their payment on time and that's it
Product: Student loan

The school was shut down and I was informed that my loans will be forgiven and it hasnt and my credit is being affected because I cant afford to pay it back Im struggling to just keep my head above water. I constantly depressed because I cant do anything because of creditors calling. I wish I could pay it off and my credit will be better but I simply cant afford it and I been getting calls sailing it can be removed but then they want money I dont have to start the process to have it forgiven
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : This is the appeal that I filed with the Office of the Comptroller of the Currency that I also want to share with your organization. 

I am filing my Tier Two Appeal for Case # XXXX because I need to clarify my situation. On XX/XX/2020, I transferred {$56000.00} from my XXXX XXXX account # XXXX to my suppler, XXXX XXXX Chase Account # XXXX. XXXX at Chase XXXX put a hold on my suppliers account and then closed it for unknown reasons. The case # XXXX was given to my supplier, XXXX XXXX. What is important to know is that XXXX has made as many as 15+ communications to Chase without a response. They tell me that it is up to Chase to give an explanation and cant help any further. 

A week ago, a XXXX, Senior VP, XXXX XXXX, XXXX, XXXX who was looking into my case called me and told me that after 69 days, Chase was going to reissue a cashiers check to pay me but it was going to take another 90 days meaning I would not see my {$56000.00} bank in my account until XXXX because they lost the original cashiers check. 

You should know that I have my home mortgage with Chase and my XXXX  credit account has been with Chase for 20+ years. Im a loyal customer and being treated like this. I know that if this is happening to me it is happening to other loyal customers of Chase. They think their untouchable resulting in my closing my XXXX XXXX  and laying off XXXX. 

Someone at OCC needs to contact XXXX XXXX, CEO,  XXXX, XXXX to let him know of the incompetence of his Chase employee who has caused my XXXX XXXX  and many others to close their doors during the Covid-19 epidemic. Please help me with this situation. This should not happen in America. 

Best regards, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX DRE # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a home with my husband. 
We worked with this company " Credit Plus '' We authorize them to make 1 credit run, but then I found 7 hard inquiries on my XXXX and 6 on XXXX. ( thru XXXX XXXX ) I already contacted the company multiple times, to different numbers, and I keep getting no answers. 
I called XXXX and they advice me to create a report in order to take care on those inquiries that are hurting my credit score significantly. 
Thank you. 

Inquiries : Name date 1. Credit Plus XXXX XXXX 2. Credit plus XXXX XXXX 3. Credit plus XXXX XXXX 4. Credit plus XXXX XXXX 5. Credit plus XXXX XXXX 6. Credit plus XXXX XXXX 7. Credit plus XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 


Accounts listed below please make adjustments XXXX XXXX XXXX XXXX Balance XXXX Auto loan This account is not delinquent or late account paid current please update or delete incorrect information. 



XXXX XXXX Balance {$1000.00} This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXXXXXX XXXX  XXXX {$500.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXXXXXX XXXX {$1000.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX {$300.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

Collection AccountXXXX XXXX XXXX balance {$1500.00} This account is not delinquent or late account paid current please update or delete incorrect information.
Product: Credit reporting or other personal consumer reports

Ive been contacting them for week two weeks now even mailed letter out to them still these items arent removed from my report. Ive only recently became aware of said items when I went to purchase a vehicle. Once I found out items were reported as fraudulent cause Im the victim of identity theft. Since Ive made several attempts to contact these agencies to have it removed ( the items ) as of yet they havent complied. So my next course of action is legal after these steps The following accounts : XXXX XXXX XXXX, XXXX, XXXX ( which is an eviction for an apartment which Ive never lived at or in ), XXXX XXXX XXXX  These items do not belong on my credit report in accordance with FCRA THEY ARE IN VIOLATION!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 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 instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

I am disputing several inaccuracies on my credit report that are adversely affecting my credit score and financial standing. 

Account Discrepancies : XXXX XXXX XXXX. : This account is reported as a " XXXX XXXX '' by XXXX credit agency, while another agency lists it as XXXX XXXX XXXX I demand the immediate deletion of the inaccurate reporting. 
Payment History Issues : XXXX : The payment history is incorrectly marked as " Collection '' from XX/XX/XXXX to XX/XX/XXXX, while another report shows it as " On Time. '' I request the deletion of the incorrect " XXXX '' designation. 

XXXX XXXX XXXX : XXXX report shows a balance of {$52000.00}, whereas another states it as {$26000.00}. Additionally, it indicates a XXXX late payment for XX/XX/XXXX, while another report shows it as XXXX XXXX XXXX XXXX I demand the deletion of these inaccuracies. 

Account Number Errors : XXXX XXXX XXXX XXXX : Inconsistent account numbers are reported across agencies, which could lead to confusion. I demand the deletion of the inaccurate account numbers reported. 
The payment history for XX/XX/XXXX is inaccurately marked as XXXX days late in XXXX report, while another indicates it was only XXXX days late. I request the deletion of the incorrect reporting. 

I have compiled evidence, including copies of my credit reports from different agencies that highlight these discrepancies. I am demanding the immediate deletion of these inaccuracies to protect my credit profile and ensure accurate reporting moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Predatory landlord situation. Wrongfully evicted after they refused to respond to efforts to renew lease as offered. This includes refusing certified mail. When their Attorney became aware of this at court she immediately reserved the fees. I surrendered keys/ possession the next day. XXXX XXXX XXXXXXXX provided a find bill which I requested details to support the bill. These communications were also never responded to as one would expect as part of proper business practice yet it is what I know to expect from them. Bullying behavior to rebrand and zero regard for decency. I have documentation of this catastrophe and can provide more if needed. Thank you in advance for your help in this matter