23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear MRS BPO LLC I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), the XXXX XXXX XXXX under Sections XXXX and XXXX, and identity fraud laws, specifically XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
It has unequivocally come to my attention that XXXX XXXX XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, XXXX state law, specifically XXXX XXXX of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section XXXX of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX XXXXXXXX XXXX XXXX XXXX, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that MRS BPO LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Sections XXXX and XXXX of the XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRAXXXX XXXX state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that MRS BPO LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

We closed our loan with CHFA ( Dovenmeuhle ), in XXXX XXXX. We have had the runaround ever since on the escrow refund owed to us of {$3500.00}. I submitted a prior CFPB complaint as to the NUMEROUS conversations during every single month since XXXX. To include XXXX which they failed to mention in their last response. They company claims they have sent several checks but to a XXXX, CO address and we have repeatedly told them that our city is XXXX, Colorado. They know this as we have received our year end tax statement last month mailed to our correct address so why they are supposedly mailing these checks to XXXX, I don't know. We even received a {$54.00} check refund from the second account we had with them. Yet, the larger check has never arrived. 
After I filed the last complaint, I contacted Colorado Housing and Finance Authority ( CHFA ), who is serviced by Dovenmeuhle and a Senior Finance Officer there has worked diligently to get our refund to us. She made arrangements with Dovenmeuhle to have the funds direct deposited in to our bank account, in which they responded to the last CFPB complaint that they did that. That was a blatant lie. We have not received our escrow refund. Conversations with Dovenmeuhle since that time continues to say they again mailed out another check to us. Frustrated, we again wanted to verify the mailing address they are sending it to, and again, they state they mailed it to a XXXX address instead of XXXX. We have continually asked to have the mailing address corrected but they say they can not update it because it is an archived account. Why is an account that has not fully been closed out of all transactions be archived. They still owe us money on that account. The CHFA officer that has worked with me, XXXX, also provided them with our correct address. Again, we received our year end tax statement at the correct address, but not the money owed to us. 
Every time I have called, they ALWAYS " transfer '' me to a supervisor whose mailbox is full or I do leave a message and have NEVER been contacted by anyone from Dovenmeuhle. We are approaching 120 days since our account was paid off and are about to take legal action, contact the State Attorney General, as well as contact the media if we do not have our funds by the 120 day mark. I am a XXXX veteran with XXXX  XXXX and the amount of stress and anxiety this has caused me and my family is unreal. 

There are literally HUNDREDS of complaints here on the CFPB regarding this same exact scenario of people not able to get their money owed to them from Dovenmeuhle. This is 100 % a legitimate issue that the CFPB needs to look in to because this company is NOT returning money owed to their customers. This is clearly a class action issue. I don't think a simple response from the company on this, then closing the case is sufficient. There is something illegal going on with that company for consumers to not ever be able to get their money back. I HIGHLY encourage others to take their business elsewhere as this has been a complete nightmare.
Product: Credit card or prepaid card

Merchant is determined to be a fraud, a chargeback was filed against the merchant.. merchant refuses the chargeback used the first correspondence with them painting this a case of buyer remorse which it is not. Its a clear case of bait and wait scamming. With a mountain of data to prove my case Also Collusion with XXXX in terms of charge back prevention. 

The Bank however will not accept any documents proving my case.. I am getting a different bank and would leave them hanging with the {$99.00} if it weren't for event tickets I have connected with my account .... I can not upload data, can not get this addressed.
Product: Credit reporting

XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my transition. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.
Product: Student loan

When I was XXXX XXXX XXXX ( sometime between XX/XX/2008 and XX/XX/2008 ; turned XXXX on XX/XX/2008 ), my parent/legal guardian/father had me sign a paper to take out a private student loan for {$10000.00}, I was not aware of/did not understand what I was signed. He was the co-signer. I was unaware of the loan and loan payments until after I graduated and the loans went into default, negatively impacting my credit and leading to extreme financial hardship. 

I did not understand how inappropriate this was at the time as I was in my early XXXX and frantically scrambling to make payments in the face of constant calls from Navient asking to collect on the loan. The loan has since been paid in full by me. However, now that I am an adult and have a better grasp on the situation, I have a better understanding of the situation and am looking to take action to recoup the money paid from either the institution or the co-signer.
Product: Mortgage

I have made my XX/XX/2020 mortgage payment on XX/XX/2020 in the amount of {$2500.00}. It was never applied to my outstanding balance on my account number XXXX. I have emailed them and called them multiple times with no resolution. I have sent the proof of payment form from my XXXX XXXX account. I am getting nowhere.
Product: Vehicle loan or lease

This has been going on since XX/XX/XXXX. Deposited a check from XXXX XXXX XXXX for {$5500.00} in XX/XX/XXXX through mobile deposit to account XXXX. XXXX received funds from XXXX and then closed my account retaining same funds stating that they needed to speak with VW Credit regarding validity of funds being mine to fix the hail damage on my car. Provided letters, lien release and multiple phone numbers to chase. They refuse to disburse funds stating that the phone numbers are not verified. The phone numbers are listed on the Internet and all vw correspondence. Representatives refuse to disburse funds. It has been 20 months. I want my money. The car was traded in and paid off at VW Credit on XX/XX/XXXX. 

Attachments XXXX XXXX XXXX ( XXXX MB ) XXXX XXXX ( XXXX MB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

XXXX XXXX  XXXX responded stating that they have reviewed my account, and we dont show an active lien XXXX We dont show that your account is an interest-bearing account. We restricted your account ending in XXXX for closure on XX/XX/XXXX, because you deposited a multiple payee item that was missing endorsements. The check is payable to you and Volkswagen Credit, but it is missing an endorsement from Volkswagen Credit. We placed {$5500.00} in suspense until the third party verified the deposit using a telephone number that meets our risk tool requirements, allowing you to deposit without their endorsement. We completed an additional review and placed an outbound call to the payee Volkswagen Credit at XXXX. They have confirmed that the item is not valid without their endorsement. The Payee stated that you should first contact them about the check to submit any required documents needed to negotiate it. Then, the item should be mailed to the Payee for you to obtain the proper endorsement before attempting to negotiate the check. The Deposit Account Agreement explains that we may decline or prevent any or all transactions to or from your account and remove funds from your account to hold them pending investigation. It also allows us to close an account, other than a CD, at any time, for any reason or no reason, without giving a reason, and without prior notice. We gave you a copy of the agreement when you opened the account. You can see the current agreement on chase.com. I see that this is there but the problem is that VW Credit states that they do not have an interest in this check when I call. I have spoken with multiple people at VW Credit over the past 20 months. They have issued lien release and statement that they have no balance due on the XXXX XXXX XXXX that is the damaged vehicle from the XXXX claim for hail damage. XXXX says this is not sufficient and VW Credit states that they will do nothing more as the account is closed and paid in full. I just want my money.
Product: Money transfer, virtual currency, or money service

Someone pretending to be my apartment building 's management sent me an email containing my unit number and the exact amount of my rent, saying that the system was down and that all payments would be made on Zelle. I made a Zelle payment on XX/XX/year>2024, to XXXX XXXX XXXX and to their number XXXX, then later found out I was scammed and tricked out of {$1400.00}. I contacted XXXXXX/XX/XXXX, and they said they would reverse the transaction. I found out this morning my claim was rejected, and I was scammed. They told me there was nothing they could do since it was Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that Transunion Credit Reporting Services lowered my XXXX XXXX XXXX points because I paid an extra {$20.00} on my credit card balance to XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. I have attached the information to this complaint. I am thinking that the credit reporting agencies are in collusion with the credit card companies somehow. The credit card companies want you to pay and pay and pay!. This dramatic decrease happened before, but I didnt document it. There is no reason for such a decrease when I am trying to pay off my bills. PLEASE LOOK INTO THIS!!!!
Product: Checking or savings account

On XX/XX/2022, an unauthorized person from Arizona withdrew {$2000.00} from my bank account. I didnt know this until I checked my online account. The unauthorized person somehow was able to change my email and address and open a few debit cards. The bank invested it and denied my claim.
Product: Debt collection

On XX/XX/2021, Bank of America processed a charge of {$1900.00} from my checking account. I was unaware of the situation and when I called Bank of America, they told me it was a court order and that the court ordered that my money was to be garnished. They gave me a new phone number to call to follow up about this issue, but was very unclear of the next steps of how to resolve my problem. When I called the number, who I believed to be a worker of the lawyer who submitted this garnishment request, I gave her my social security number, explained my situation, and she looked into my record and said she saw no request for my wages to be garnished. She told me she would follow-up the next day, but she never called back. 

On XX/XX/2021, I followed up with Bank of America in person. I was offered no help, but to change my middle name to help separate me from an issue like this again. I did not receive any additional aid or help to get my money back. 

However, a legal document of the original court order of this garnishment appeared on my porch as mail on XX/XX/2021. In the document, it is clearly stated that somebody with the same exact name as me in another state I do not live in with a completely different gender was being sued of {$9000.00}. It was clear to me that Bank of America processed this garnishment without double checking my identity they got the wrong person with the same name. 

I followed up with Bank of America in person on XX/XX/2021 with their mistake and showed them the documents proving that they wrongly garnished my money, only for them to tell me they could do nothing about it. They told me they could not help me and this is now the state 's issue. They wrongly garnished my money, offered me no warning, and now offer me no aid. I am now stuck not knowing what to do next with no support from Bank of America who caused this issue to begin with.
Product: Credit card or prepaid card

XX/XX/2017 my XXXX credit card was charged without my authorization for a particular charge from XXXX XXXX XXXX XXXX. I called XXXX to initiate a dispute who referred me to the city of XXXX XXXX who actually assessed the charge. I then called XXXX XXXX XXXX who over a 4 day period made me call XXXX on a conference call with two of their customer service reps. Who both did not understand the validity of the charge, the agents submitted my formal dispute on day 5. After 30 days XXXX denied my dispute because XXXX replied stating they charged my account correctly. I have called 6 times over a 4 week period and my calls to XXXX Credit Cards dispute department have all been rejected. This company has told their reps. not to transfer me and that the dispute is final. NO COMPANY CAN DETERMINE WHAT CHARGES TO A CONSUMER ACCOUNT MAY OR MAY NOT BE AUTHORIZED. I FILED A CLAIM WITH THE CITY OF XXXX XXXX WHO CHARGED MY ACCOUNT AND THEY HAVE YET TO PROVIDE DOCUMENTATION AS TO THE CHARGES VALIDITY. XXXX IS UNDER OBLIGATION TO THEIR CUSTOMER TO FILE TRANSACTION DISPUTES EFFECTIVELY AND IN A TIMELY MANNER
Product: Mortgage

During recent months I have noted the message on the monthly statements : " Partial payments : any partial payment s that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment the funds will then be applied to your mortgage. '' My account is current. I plan to start making additional mid-payment cycle payments to my account. When I look at this message I understand this to mean that diTech does not intend to observe my right to pre-pay my loan. I do not understand why diTech appears unable to apply mid payment cycle payments to the loan principal. If my understanding is correct, then it appears that diTech has defective accounting systems and may lack the resources to properly apply payments to loans in a timely and correct manner.
Product: Credit card

VICTIM OF IDENTITY THEFT. 

ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. 


I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this mistake made by equifax 3 times. On XX/XX/XXXX I moved from a house which address was XXXX XXXX XXXX XXXX XXXX Il. XXXX I then contacted all three credit reporting agencies and changed my information, I also have a credit freeze due to being a victim of identity theft. I then received letters from XXXX XXXX and equifax and equifax letter dated XX/XX/XXXX stating my address change. Sometime between that date and XX/XX/XXXX someone from equifax has made a mistake and entered the wrong address on my credit. I have called 4 times have a conformation number of XXXX for my dispute I have faxed the copies they have requested and still my account is frozen. My problem I have applied for credit and can not remove my credit freeze due to the address discrepancy. They have locked me out of my account and when I call and give them my correct address it locks me out. All I want is for equifax to unlock my account and change my address to the correct one which they already have been given which is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Mortgage

Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments. 
Due to these health issues it is a hardship to move. We need help.
Product: Checking or savings account

On XXXX XXXX, opened checking and saving accounts at Citibank, deposited {$1000.00} to checking account, {$50000.00} to saving account. 

On XX/XX/XXXX XXXX, found my all money was withdrawn by someone without my permission on XXXX XXXX. 

Called the bank many times, nobody told me what was happened and where is my money, they always told me they would check and then hang up my phone. 

One month was passed after my money was gone, Citibank didn't call me, email me or letter me. I called, but they can not give me the answer.
Product: Credit card or prepaid card

I have been using a XXXX  credit card for over 25 years, Paid on time, BUT on XX/XX/2019 I paid Synchrony Bank the company that services the XXXX  card AS I always have {$100.00} for my XXXX Bill!!!!,,,,, BUT they took the {$100.00} and applied it to the XX/XX/2019 bill. 
On XX/XX/XXXX MY XXXX credit card was canceled and Synchrony Bank charged me {$27.00} late fee. And reported me as being late to the credit reporting companies!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX