23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dovenmuehle mortgage company claimed to mail a check from my escrow account to pay my taxes to XXXX XXXX on XX/XX/2021 The county never received payment and urged me to reach out to Dovenmuehle to remedy the situation. 

Dovenmuehle acknowledges that the check was never cashed by the county and is currently missing. Dovenmuehle refuses to remedy the situation after several calls and emails. I would like this check canceled and the funds refunded to me so I can get my taxes paid on my own.
Product: Checking or savings account

CASHAPP DID NOT HAVE LIVE CUSTOMER SERVICE REPS AVAILABLE FOR ME. THEY ALSO HAD FAKES ONES THAT RECEIVED MY PERSONAL INFORMATION WHEN I CALLED IN AND MY PERSONAL INFO WAS INCLUDED IN DATA BREACHES.
Product: Checking or savings account

XX/XX/XXXX, {$400.00} was transferred from my personal checking to my business checking and then {$1800.00} was transferred out of my business account and into a XXXX account completely unrelated to me and my accounts. None of these actions were performed or approved by myself. Wells Fargo called, and I did not answer. I called Wells Fargo myself to ensure safety. The person I reached was informative enough, they actually informed me that somebody accessed my online account, and that the person who accessed my account was able to disable my text notifications that would normally notify me of account changes and transactions ; this action allowed the unauthorized user to add themselves as a recipient of wire transactions. From there, they were able to transfer money electronically to their XXXX account without my knowledge. I only found out about the balance change in my account after this informative conversation with Wells Fargo. The only immediate action that was taken by Wells Fargo on XX/XX/XXXX was the change to my username, password, and they also closed my compromised accounts and reversed the {$400.00} transfer. The {$400.00} reversal did not help my situation but at least this did show that Wells Fargo agreed with me that the action was fraudulent. 


From the moment I learned about the transfers, I have emphasized that the person in Ohio ( as I was told ) and the transaction ( from my Wells Fargo to the scammers XXXX account ) are FRAUDULENT and UNAUTHORIZED. This statement was repeated by me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, it seems like fraud cases are worked by 3rd party company that have the best interest of Wells Fargos in mind while it was Wells Fargos system that failed to prevent unauthorized access to my online banking in the first place. Instead I was told that I was they called XXXX and XXXX said the money is gone so there is nothing Wells Fargo could or would do. To sum things up, Wells Fargo said 3 things : 1 ) That the XXXX account the funds were transferred to was empty so they couldnt return me my money ( it took them a couple of days to even try to get the money back ). 2 ) that it was my fault and that I must have authorized the transaction even though I never approved any transaction 3 ) that they were closing the case without a refund and there is nothing more they could do.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year>
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 : XXXX XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A, STATES I HAVE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

The loan was provided by XXXX and is services by Firstmark Services. It was applied to my education at XXXX University between XXXX XXXX and XXXX XXXX. Prior to attending graduate school between XXXX XXXX and XXXX XXXX, I applied XXXX to set up automatic payments. Both times, the loan servicer reported never having received the required documents leading me to miss payments. After I completed graduate school and began to make payments again, I attempted for a XXXX time to set up automatic payments of {$200.00} a month. Again, the loan servicer reported not having received the request and resulted in my missing several payments. Additionally, they made no attempt to contact me via phone or email within the federally required time to rectify the situation, the first notification I received was this afternoon from the small loan provider I first dealt with when the account was 148 day past due. I set up automatic payments for the XXXX today but was informed that it would take 20 days to set up and the representative would not be able to see anything related to that request prior to that time. 

It is my belief that Firstmark Services intentionally " loses '' automatic payment requests in order to receive more money in late fees.
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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge about this loan. I have tried to dispute on several occasions with no avail. I suffer from a XXXX and had my phone hacked, I have no knowledge of this predatory loan. I have since changed my telephone number and got a new phone, and practice much safer online principles. I reported the issue to my bank, issued a stop payment immediately and submitted several disputes. This account was opened fraudulently, I am struggling financially, and with my XXXX and this creditors predatory record I do not feel safe and am now financially insecure after a substantial long credit rebuild.
Product: Credit card

Account # : Account Type : Account Type - Detail : Bureau Code : Open Account Telecommunications/Cellular Individual Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Open {$0.00} XX/XX/XXXX {$0.00} O {$120.00} {$0.00} {$0.00} Current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * XXXX AND XXXX ISN'T REPORTING THIS ACCOUNT AT ALL * XXXX AND XXXX ISN'T REPORTING THE PAYMENT HISTORY AT ALL * XXXX IS MISSING PAYMENT HISTORY
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

***I used this category because your website only allows certain types of problems to be reported*** My Loan Rehab Program is being serviced by Alltran Education. I agreed ( by phone ) to become enrolled in the rehab program for my debt some months ago. I gave them my banking information, and was told a loan rehabilitation agreement was being sent for my signature, to be returned to them. After three {$300.00} payment had been made by automatic debit, without a written, signed contract, I received a call on XX/XX/18 at XXXX, where their representative indicated that I had not sent back said agreement ( I never received one ). I asked when it was sent, and they could not tell me. I told them to send it again, as their own management doesn't seem to have any control over what's being done, and as they never even recorded it being sent in the first place. I call them on XX/XX/18 at XXXX to ask if it had been sent. They said it had been sent on XX/XX/18. Not having received said agreement, I call twice on XX/XX/18 to verify it had indeed been sent, and was told by a representative and a supervisor that it had been sent on XX/XX/18. I have not received this contract yet, 13 days " in the mail '' so far. In the meantime, I see from DOE correspondence that the three payments made as of this date have not been recorded on DOE files or systems. I recently sent proof that these payments are being made, but I don't know if the DOE is recording them properly. I have asked that a case worker be assigned my file to monitor compliance of this contracted debt collecting company. I ask this again, as I can not trust the loan service company to be either honest or honorable. I need these payments to be recorded promptly, as I am seeking to apply to the loan forgiveness program after the mandatory 9 payments have been made on time - three have been made on time so far. I wish I could trust the DOE and Alltran to do the right thing, but I can't, so I'm asking for some attention to this matter. Thank you
Product: Debt collection

IC System- {$250.00} - received several calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX XXXX XXXX XXXX - {$300.00} - received several calls, texts, and emails at all hours of the day about this debt received during the pandemic when everything was closed - opened XXXX / reported XXXX XXXX XXXX XXXX XXXX- {$1000.00} - received several letters, calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX XXXX XXXX XXXX - {$470.00} - received several calls, texts, and emails at all hours of the day about this debt that I am unaware of - opened XXXX / reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson capital system put old information on my credit report to XXXX, I already dispute not my account on XXXX, and XXXX, they removed it from both, and I did not dispute XXXX now it showing up as of today on my XXXX report, this has cost a lot of things to change on my credit cards, also loans, drop my credit limit, this has been going on every six months, the information deleted, 6 months later it back on there, Im hurt and my credit means a lot to me, I pay my bills, if this was my bill, I would not have a problem paying, it at my credit report, never been late never missed a payment, they have no right to do this, they keep selling the debt back and forth, please get in touch with XXXX, I did dispute it today, it just showed up on my credit report on today, thank you, I feel I my right has been used against me please get in touch with XXXX, like you all ready did with the other the credit bureau Thanks XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX on XXXX XXXX for {$22000.00} from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX I paid {$6000.00} in cash leaving XXXX to be financed. 
On XX/XX/2020 I called the finance company ( capital One ) .To my surprise my loan is $ XXXX called the dealer several times and was told I had to go the the dealership only by appointment and someone would return my call I am attempting to find my $ XXXXThe clerk keeps telling me my call would be returned. I keep calling and all Im told is they are with a customer. 
All I want is to retrieve my {$6000.00}
Product: Checking or savings account

I went to XXXX on the weekend of XX/XX/2022. I noticed that my debit card was missing On the morning of the XXXX when I was at the airport. I checked my bank account and noticed that a charge had been made the night of the XXXX at a bar called XXXX XXXX  that I never went to. It was a charge for {$260.00}. I filed a claim with chase and they told me that they would investigate it and issue me a temporary credit. I just got a notice in the mail that my claim was denied and that they would be reversing my temporary credit which I cant afford for them to do. I was positive that it would be an approved claim since I wasnt there but chase banks reason for denying my claim was because the purchase was made using a chip card and they can not be faked. I told them that anyone can use a debit card at a bar. The waitresses run it as credit. No pin is used at bar from my past experiences. They told me there was nothing they could do. I tried reaching out to the bar that the charge was made at but no one will answer, or return my calls. Ive even emailed them as well and no one has responded
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to you because I noticed some inconsistencies on my credit report that have been damaging my good name and my credit score and needs to be looked at immediately. 


You are reporting a status date of XX/XX/XXXX yet XXXX is reporting XX/XX/XXXX and XXXX has no record of this account, also you are reporting a balance update XXXX XXXX yet XXXX is reporting XX/XX/XXXX. You are also reporting payment stay as voluntary surrender yet XXXX it as voluntary repossession. Also you are reporting the account type as auto loan yet XXXX is reporting it as installment loan. 

This is inaccurate reporting so please remove this off my credit report for inaccurate information.
Product: Debt collection

I am reporting a collection agency that appears to my credit report. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about a debt that does not belong to me. A debt collector is not allowed to harass me. No data is validating the alleged debt and I never had any debt from credit one that was the original creditor. The collection agency is not even licensed in the state of Michigan that is posted as the address of the debt collector. The problem is that this debt collector posted this frigolus and bogus debt to all XXXX reporting agencies. Also they are using unfair, deceptive, and abusive acts or practices against me while at the same time they are not even licensed seeking remedies in regards to a debt that does not belong to me. In XXXX and XXXX is listed with a Michigan address and according to the NMLS ID : XXXX they are not licensed to operate as a collection agency in the state if Michigan. Additionally they are pending approval as far as the state of California since in XXXX they have a CA address but they are not approved yet. I did try to communicate with them but the thing is that they are asking for ssn. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in 2017. Please advise as to how should I proceed with this fraudulent collector. Thank you in advance XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX While checking my most recent XXXX XXXX credit report, I noticed credit inquiries that I did not Authorize, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 15 U.S 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and a serious breach of my privacy rights. Please validate this information with these companies, and provide me with copies of any documentation associated with these accounts. bearing my signature, authorizing an inquiry. In The absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation as provided by the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : CAPITAL ONE XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I Financed a car thru American credit acceptance, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation. They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent an affidavit to XXXX, TransUnion, and XXXX showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of XXXX. They refuse to resolve these issues
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 XXXX XXXX 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " XXXX  '' 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 XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX