23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dovenmuehle Mortgage is essentially stealing my home away from me and the {$12000.00} the insurance company paid them to fix my home. My home suffered significant damage when two hail storms destroyed a large portion of my roof in XXXX. The insurance company paid Dovenmuehle, but they never paid my contractor. I had to pay the contractor out of my own pocket, but did not have the enough money to pay him to finish the work. I was forced to stop making my mortgage payments in XXXX of last year and use the payments to pay the contractor for the damage, while I fought with Dovenmuehle to release the funds the insurance company paid them. Dovenmuehle advised that they will hold onto the money until the damage is repaired, but this is unfair. The contractor is refusing to continue working without pay and my home is sustaining significant water damage and mold issues. Since the time that I fell behind on my mortgage, Dovenmuehle has failed to provide me with any sort of retention option on my home. They have wrongly set a foreclosure sale date on my home for XX/XX/XXXX and they have failed to give me the opportunity to save my home. They have not allowed me to work through any sort of home retention options and are refusing to give me insurance money that I am rightfully entitled to receiving. I have filled out FIVE COMPLETE  mortgage assistance packages and have never had a full review for mortgage retention options. I am requesting that someone within your agency reach out to Dovenmuehle Mortgage and get the sale of my home stopped and my mortgage payments back on track. I am a veteran and want to spend the rest of my life in my home, but will be kicked into the streets if I do not get help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. I recently reviewed my credit report and identified several inaccuracies that negatively impact my credit score and affect my ability to refinance my home. 

The specific inaccuracies are as follows : Address : XXXX XXXX  XXXX XXXX XXXX, Fl XXXX It is my only address all others should be removed INQUIRIES : LENDERS There should be XXXX XXXX XXXXXXXX ( there are multiple ) XXXX  Should be removed ( Lender ) XXXX  XXXX Removed XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX Please remove XX/XX/XXXX Never Applied XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Please removed I don't have a XXXX card and never applied XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Please remove Never Applied XXXX XXXX  XX/XX/XXXX Please remove ( Never applied ) XXXX XXXX Please remove ( never applied don't have a XXXX card ) XXXX  XX/XX/XXXX Please removed XXXX XX/XX/XXXX? Please remove this acct was opened in XXXX I request that you investigate these discrepancies and update my credit report accordingly. I have attached any relevant documentation to support my claim. 

Please confirm receipt of this request and inform me of the steps to address these issues. If the inaccuracies are not corrected promptly, I will have no choice but to consider legal action to protect my rights and financial standing. 

Thank you for your attention to this matter.
Product: Student loan

Wife took out a loan from Citybank for XXXX, For our sonXX/XX/XXXX,XX/XX/XXXX We has to file bankruptcy due to the economy.We made payments when we could.Around XX/XX/XXXXCity bank sold our loan to XXXX.Which would not work with us, We now owe twice the amount due to interest.I believe When my wife took out the loan it should have been a private loan.I believe this is not fair to owe twice the amount from the original loan amount, And no one will listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has not addressed or resolved my issue and was simply " Brushed Off " I have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every XXXX weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. XXXX decreased my score by XXXX points and when I talked with a Customer service repXXXX he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is a Demand to Comply Request. I have sent CERTIFIED letters to the XXXX  ( received XX/XX/2021 ), XXXX  ( received XX/XX/2021 ), and TransUnion ( received XX/XX/2021 ) about accounts on my credit over 30 plus days ago and have not recieved any information.

I have attached screenshots of the tracking numbers and dates when the mail was received through the USPS ... Please remove the accounts that could not be verfied by law, or face a law suit for XXXX each account that you are reports as this information inaccurate and not true. 

Please don't send any general statement about we are looking into it and file a dispute with us as you have my drivers license, social, birth date and address in the letters I previous sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX will not allow me to access my free annual credit report. Also XXXX is reporting the wrong balance on the report I was able to access from XXXX.
Product: Credit card or prepaid card

Synchrony has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance. In one case within the last month, they lowered a credit card line of credit from {$12000.00} to approximately {$5000.00}, just above the current balance. Aside from plans I had to use this card, this significantly changes your available credit to debt ratio which impacts your credit score greatly.

Along with this, they send you an email with a link to read said letter about the action they have taken, however the link does not work and produces an the following error message - Invalid or Unknown Request Solicitud no vlida o desconocida The only way to learn what the letter says is to call them and their customer service person will read you the letter over the phone.
Product: Credit reporting or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit has not been updated accurately, I have paid all of my bills on time, and I recently found out that my car payment was not report for over 5 months so, that effects my credit score also this month they drop my score stating my balance on my car went up which is not correct. I pay over the amount due every month. This needs to be corrected I am looking to buy a house and with these in accuracies and discrepancies I will definitely have issues. I have filed several disputes with the bureau, and they have not been resolved.
Product: Debt collection

I C SYSTEM INC Claims it is owed XXXX for an account opened in XX/XX/year>. I have never opened an account with them and have no knowledge of this account or balance. 
Att was paid off entirely a long time ago. 
Disputes have been opened to correct this yet it has not been properly updated to reflect a 0 balance and remove from record. This is false and misleading info
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} EQUIFAX XXXX XXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX - XXXX SERVICE Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.
Product: Mortgage

On XX/XX/21 I paid off my mortgage with Synovus Bank. I was told to expect a payoff letter within 60 days. I did not recieve this letter and called on XX/XX/21 to check the status. I spoke with XXXX XXXX who said she would email it to me. Still did not recieve it and left 2 messages in XXXX and another on XX/XX/21 to notify XXXX XXXX and asked for a return call. XXXX XXXX does not respond, I called again on XX/XX/21 however this time to XXXX. XXXX stated that she would send a message to the mortgage department and someone will call me. I am continually being ignored by this company and I still don't have my payoff letter.
Product: Debt collection

Payoff.com, misrepresented how much I owed them in XX/XX/2019. When I refinanced my home, I sent them a check for the balance they quoted me also in XX/XX/2019. Turns out, they wanted {$66.00} more dollars. I tried to explain I paid the amount they said and they said well the quoted amount did not include interest. 

I had been paying the loan off in monthly installments, automatically, for over a year. All the interest was built into the payments. 

They began harassing me in XX/XX/XXXX calling my cell phone during work hours, texting, emailing, all for XXXX XXXX I use my cell phone for work, was very embarrassing. 

I agreed to pay the full amount in XX/XX/2019. I asked XXXX XXXX of the collections department if they reported me to a credit bureau which they did. I was livid. Here was a company, I borrowed XXXX from, paid every month from my account automatically and they are trying to hurt my credit for {$66.00}. 

I asked if they could write a letter to the credit bureau to indicate a mistake reporting my account delinquent and XXXX XXXX refused.
Product: Debt collection

On XX/XX/XXXX I received a notice from XXXX  that I had a debt collection added to my account. I checked XXXX XXXX and sure enough CBE Group placed a collection account on my credit report for XXXX, XXXX  and I'm assuming XXXX. They say the account was opened on XX/XX/XXXX and the remark was because of a natural disaster. The original creditor is XXXX ( XXXX ). I currently have an account with XXXX  and the account is paid and in good standing so I have no idea what this collection is for. I have changed service twice with them and nothing has ever been said about an outstanding balance. In addition, I have never been contacted by the CBE Group in relation to this issue prior to it appearing on my credit report or after. It appears that they backdated the matter since I get an email from XXXX  anytime something changes on my credit report. I recently refinanced a house and it didn't appear before the XX/XX/XXXX closing.
Product: Debt collection

I am writing to address the ongoing failure to comply with the law regarding removal of inaccurate information from my credit report. Despite multiple requests, your company has neglected to take appropriate action. 
Your persistent disregard for these requests constitutes a clear violation of the FCRA. 
The accounts listed below require immediate attention : XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 an account without my written instructions.
Product: Debt collection

I have attached a recently received letter from Regional Finance that states that they are no longer the owner of this debt. Per the letter, Regional Finance states " Additionally, the above-referenced account has been acquired by XXXX XXXX XXXX XXXX XXXX . All ownership rights to your account, including the right to payment, now belong to XXXX XXXX XXXX, XXXX " Due to this statement, Regional Finance should not be reflecting negatively on my XXXX Credit Report. If they are no longer the owner of this debt and no longer interested in payment, this should be removed from my credit report. If they no longer have any interest in this debt, are no longer owners, no longer connected to this debt, then it should be removed from my report.

I am asking that their information be removed from my credit report. This is an unfair business practice to ruin my credit behind an account that is no longer of interest to them. This is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXX XXXX XX/XX/2020 TransUnion XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion
Product: Credit reporting or other personal consumer reports

Bank of America has put a fraudulent report on my credit ( XXXX ) pretending I owe them money when I don't. In fact, they owe me XXXX XXXX dollars. 
In XXXX, I bought furniture with Bank of AMerica Bill Pay. The money came out of my account, but wasn't sent to the furniture store.

The then local bank manager paid the store by transferring the money from my account, but could not reach the Bill Pay department to get my money back. 
In XXXX, the bank sent the money back on a credit card. I misunderstood that the minus ( - ) sign before the amount ( {$6200.00} ) meant the card had the money on it as did a woman with the bank who told me to destroy the card. I did. 
After many, many conversations with bank reps, I was told I'd get a check. None came, but I have a statement showing the {$6200.00} on the card and a statement showing the amount was transferred and a check was sent, but no check arrived. 
Recently, I applied for a home equity loan with XXXX and was turned down for " bad credit '' ... .even though I pay my bills no later than two weeks after receipt. 'Bank of America claimed I owe them {$350.00} which I do not. When I asked if I sent them the XXXX would they remove it, they said I had to ad bank fees and late fees and the amount was close to double... I sent a check and they still have the fraudulent report on XXXX. So, the bank has literally stolen my money and now put a totally false item on XXXX damaging my formerly excellent credit. 
More recently, a XXXX XXXX called dunning me for things I didn't buy on cards with different numbers. I have a printed out scan of my cards and that statement showing the {$6200.00} was on the card the bank sent. I'd like to get my money back and have the erroneous charges on XXXX etc. removed, not " charged off '' ... .... The bank has been unable to produce any singed sales slips and when I asked a XXXX XXXX for a printable list of what she's dunning me for, she came up with XXXX, XXXX... who I called..XXXX  gave me a print out on their message board that I haven't used their services and a person named XXXX at XXXX called me back to say I've never charged services with them on any Bank of America cards.. I called BOA and spoke to XXXX who assures me that I've never had a BOA card ending in the numbers that I used when I charged stuff with XXXX in the past. 
In XXXX I met with a XXXX XXXX who literally blew me off by claiming the banks own statements are fraudulent I thought I'd try one more time to have the erroneous charges taken off my formerly excellent credit rating, now lowered by BOA. I paid attorney XXXX XXXX {$500.00} ... first {$200.00} cash to discuss then he demanded {$300.00} to proceed. He needed to know who I spoke to at the bank. After taking my money, he said, " I do not wish to help you and you can not have your money back. So, the bank stole my money, extorted more with false reports on my credit and influenced an attorney to take my money and not help.
Product: Debt collection

The Coast Professional has been garnishing my wadges since XX/XX/XXXX without any prior notice. I was enrolled in a Rehabilitation program in XX/XX/XXXX. Said program required 5 payments paid consecutively and on time. I was told by my representative XXXX that afer all paper work was recived I would be enrolled and The garnishments would stop XX/XX/XXXX. In XX/XX/XXXX I recieved a letter stating that my loan was in default. Upon calling the company I was told that I was never enrolled in the program I was just prequalified. I explained that wasnt so because I had doucumentation verifing my enrollment, and told them that payments had been drafted on time monthly since XX/XX/XXXX in addition to bi weekly garnishments since XX/XX/XXXX. I have spoken to XXXX, XXXX, XXXX, and XXXX XXXX XXXX first names, they will not give me last names or direct lines ) all four employees have given me diffrent information and forms needed. and refuse to stop the garnishment as previously stated.
Product: Money transfer, virtual currency, or money service

I would like to submit a complaint regarding zell disputes and refund. I never could get a referendative.All the line to help me dispute. In this matter I was lost money. 
When someone did and said they told me they were unavailable or was not able to refund or handle the dispute or matter. Zell has only not neglected to help me. As a consumer, but they ignored my request. They left it opened for people to scan my money and take money out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated several of my credit card accounts. We had two hardware store accounts, one with XXXX, and one with another store. I had misunderstood in the loan process which of the two accounts were being paid in full. Therefore we had not made another payment on the XXXX  account. Our loan was finalized the end of XX/XX/XXXX and payoff checks were sent the 1st part of XX/XX/XXXX. I was working out of town most of XX/XX/XXXX and when I came cross the bill showing it was not paid, i promptly made a payment -- well over the min due. I pay double or more than my minimum every month, this was the first time I have ever been late on an account. 

I have not received any phone calls, emails, or additional correspondences alerting me the account was past due. One would think if an account was two payments late that phone calls would be flooding in daily, multiple times a day. I called XXXX CC services and asked them why we did not receive any phone calls, or if they could confirm calls were made. After being transferred to 4 separate agents all i was told was the procedure is to go into a dialer but no one could confirm any calls were actually made to my phone. I can assure you, if i would have received a phone call, I would have answered it, and i would have paid immediately. My credit is important to me, and i have worked hard for the credit score i have today. Yes I should have been more aware of this account not being included in my payoff. However I fail to not fault XXXX somewhat in not providing any notification at all to alert me of something wrong with my account. This one blemish has dropped my credit score significantly, and it is not acceptable. I have asked XXXX if they could rehab my account or provide me with a courtesy adjustment. Yes agencies are required to report accurate information, however agencies are permitted to make adjustments, and this courtesy is intended for consumers who have made an honest error, and again had XXXX contacted us when they did not receive our payment in XX/XX/XXXX this never would have happened.
Product: Credit reporting or other personal consumer reports

I am writing this letter to address the delinquent accounts listed on my credit report. 

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 For Equifax : XXXX XXXX
Product: Credit reporting or other personal consumer reports

WELLS FARGO HOME MORTGAGE IS MISTAKENLY REPORTING NEGATIVE FORECLOSURE VERBIAGE ON MY ACCOUNT. MY ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY AND IS IN FACT PAID OFF. PLEASE REMOVE THE FORECLOSURE VERBIAGE ASSOCIATED TO THIS ACCOUNT.