23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are engaging in fraud and a scam on me and the VA. I have been trying for close to one year to have them review my documentation for a loss mitigation option. The VA has options available, but every step of the way they obstruct, lie, misplace information and repeatedly request information that has already been sent. I have been submitting my paperwork via email so there is a digital trail to back up my claims ( attached ). I call in to see what documents are needed for review and they tell me and I send them. They gave me a list in mid XXXX, claiming they never received my signed tax returns ( i sent them in XXXX ) so I sent them again. They also wanted the 2023 VA award letter and a one year profit and loss and the XXXX bank statement. All were sent. I have called in three different times to check on the status of my file. Each time the agent has told me that they can see the documents in the system -- -but each time they tell me that the underwriter is still saying the file is incomplete and asking for the same paperwork again. I have sent the same paperwork multiple times to them in this situation, but nothing changes. When I ask to speak to a supervisor there is never one available. The agent verifies that the paperwork was received and they can see it, but nothing changes. I called in today to follow up on the paperwork that I sent late XXXX. I was told last week there were no notes when I called and that the file was dormant even though all documents were received. When I called today I was told there were notes from XX/XX/XXXX stating that I was still missing the documents that I sent on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. These same documents were again verified to be present by the agent I spoke with. 
I believe that Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are intentionally putting up road blocks to obstruct veterans from access to programs they are required to provide. This is fraud and I am working with my Congressman and the VA to launch an investigation into this company. I have the resources to make my mortgage payment, I just need a path forward to deal with the missed payments during the pandemic. they are required to work with me and provide a path forward but this has gone on for close to a year. it is NOT a coincidence. Dovenmuehle is not qualified to service government loans and your office needs to investigate their business and servicing practices. I served my country proudly and when my career dried up due to Covid I started my own XXXX  and now am back on my feet. It is horrifying that this company would treat me like this and I am now suffering health complications as I fall further and further behind because of their lies, fraud and incompence. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

The follwoing acounts are listed on my credit report as inquiries and I have no idea why or how they got access to my information. Please advise the credit bureau to DELETE. I have tried to call them and email them and they said I have to contact you all. These are fraudlent inquries and they are affecting my score : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im a victim of identity theft I was tricked into thinking I had a WFH job and my information was being used for mutiple credit cards and bank accounts without my knowledge
Product: Debt collection

This debt is in regards to my XXXX vehicle insurance and assigned to a collection agency. On XXXX/XXXX/XXXX my vehicle was recovered by the lender because I was no longer in a financial position to pay as I lost my job around XXXX of XXXX and I began to receive unemployment benefits. I called XXXX to cancel my insurance policy and remove me from the recurring payment system but it seems that they failed to do so. I also moved from the home XXXX had on file. My home address was never updated either even though I called a local XXXX office to make them aware of a change of address. Recently I started to receive all the mail that was being returned to XXXX. If they would have updated my address I probably would n't owe the amount the collection agency is attempting to collect. The collection agency is attempting to collect a debt that is not valid. My XXXX XXXX XXXXXXXX XXXX was no longer in my possession, therefore, I did not need coverage. I made XXXX aware of my vehicle being taken away from me and requested to remove this vehicle from my policy. According to XXXX I am being charged all the way to XXXX XXXX XXXX but my vehicle was taken XX/XX/XXXX. I should not have to be responsible for insurance coverage on the XXXX XXXX XXXX. I need assistance resolving this matter with the collection agency.
Product: Credit card or prepaid card

On XX/XX/XXXX, I had my unemployment card/information hacked, and money was withdrawn from my account. I called Bank of America to report the fraud, and they opened a claim and said they would send a new card. I reported the theft to the police and faxed the police report to B of A. a few days later, I received my new card, and within one day, they voided that card and closed my account. I have repeatedly called BofA and the Nevada DETR ( unemployment ), and they both blame the other for closing my account. I have done everything asked of me, including sending a copy of my driver 's license and social security cards to prove my identity. As of this day ( XX/XX/XXXX ), I still have not had my account reopened, nor have I received any of my unemployment and government money. This is causing undue hardship on my family, and taking care of my family 's necessities is becoming impossible. All because Bank of America did not want to look into the fraud committed on my unemployment card. Nevada Unemployment hasn't been much help either, as they've offered no solution to the problem, even though I call them 3-5 times a week. I get the same lame excuses from them, just like I receive the lame excuses from BofA. They are the ones committing fraud here on thousands of innocent families.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX Balance Owed : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to XXXX XXXX, which I never authorized in writing or with a wet signature. I recently contacted your organization about this issue and am now formally demanding the immediate blocking and removal of these accounts from my report. Their presence has caused me considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter is not properly resolved, I will pursue legal action to defend my rights. These fraudulent entries have impeded my ability to reach important financial milestones, including home ownership and providing for my family 's needs.
Product: Mortgage

Two years ago, Mr. Cooper doubled my mortgage payment almost telling me I had a huge escrow shortage. I filed, thinking it was my taxes went through the whole process with the XXXX XXXX only to find out that my taxes werent the problem. Mr. Cooper was double texting me I spoke to Mr. Cooper and they fixed it now to years later in XX/XX/2022 I get a letter that my mortgage payment is going up almost {$700.00}, I immediately called them because theres no way I have an escrow shortage they told me that they look into it In XX/XX/2022 they called me and told me that the taxes were incorrect and they would be adjusted in XXXX when I went to make the payment nothing was changed. I called them back and they told me it takes time the end of XXXX still no change my payment I called them back. They told me that they would look into it again and never got a response back in XXXX. I called same problem. My taxes are doubled and they should not be theyre telling me I have an escrow shortage of {$4500.00} Which my annual taxes are only XXXX so does that mean you didnt pay my taxes for an entire year? What are you increasing? What are you charging me for they cant give me answers then they tell me that they look onto a website and thats how they see what the taxes are when I know thats a lie and they get a paper in the mail. I called my tax office and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that theyre overcharging me and I want my money refunded and my taxes fixed. I still have not heard back and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that their overcharging me and I want my money refunded and my taxes fixed. I still have not heard back.
Product: Checking or savings account

Ever since I open my Wells Fargo account 6 months ago there has been fraudulent charges to my accounts! Now, I'm told that I'm not allowed to use a debit card for 1 year. And, I tried to withdraw my money, and move it to another bank. And was told no! Seems to be this banks chronic answer to any customers problems! I have at least 10 friends, and family members that thus has also occurred to!
Product: Payday loan, title loan, personal loan, or advance loan

I logged into my klarna account and noticed fraudulent charges possibly due to data breach.
Product: Student loan

Hi there I have been paying on this student loan ( it was taken out for my daughter ) .Original amount was {$91000.00} in 07, and now, I '' m owing more than the original loan amount ( {$94000.00} ). I have been paying on a consistent basis, but there were times it was in forbearance. It says that principle paid is {$54000.00}, but it doesn't seem like that since my balance is still XXXX. I called and spoke to a person, who after looking at the account said " that's what you owe ''. I don't understand how at this point it can be more than what the original balance was - I would like someone to look into this.
Product: Debt collection

My information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit report effective immediately. I am attaching proof that equifax has has admitted that i was in fact a victim of this data breach and equifax has done nothing. please help me delete these illegal accounts from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, 2017, I purchases a new vehicle at XXXX XXXX XXXX. I noticed that on my credit report there are three ( 3 ) hard inquires which were not all authorized by me. The unauthorized inquiries are from the following financial institutions : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX  
years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. In addition, I am unable to get my credit report
Product: Credit card

In XX/XX/XXXX all of my debit cards where hacked into and someone tried to purchase numerous items including monthly arch payments. I did complete a Fraud Alert for 90 days on XX/XX/XXXX. ( XXXX is the 90 days grace period to be removed ). On XX/XX/XXXX someone open an bank account with Synchrony Bank and tried to applied for credit. The application was declined and it was reported to XXXX Credit Bureau. On XX/XX/XXXX ( approx time XXXX am ) I called the credit department with Synchrony Bank at ( XXXX ). I talked to representative XXXX he asked for my social security number, I informed representative XXXX whoever open this account was a hacker therefore, I could not provide my full social security and suggest I could provide the last four for his verification. I told this representative XXXX I did not want to provide my full social security over the phone it would be stupid for me to provide my full social security when I did not open this account. Whoever open this bank account did this illegal with my social security number. I never apply for a credit card or open an bank account with Synchrony Bank. I asked if he could remove this inquiry with XXXX Credit Bureau and close this bank account. Per representative XXXX he had to have my full social security number to check my account. This representative did not understand my request to remove this inquiry from Synchrony Bank with XXXX credit bureau or close this account he kept asking for my social security which, I told him on numerous time someone hack my personal information from my banks, obtaining my debit cards information which could include my social security number I did not open any account from Synchrony Bank. Per representative XXXX he could not assist me to remove this inquiry from XXXX Credit Bureau or close this account until I provide my full social security number to verified my account. Again I explained to representative XXXX I did not open a account with Synchrony Bank, however he still did not understand my request and would not accept the last four digit of my social security for his verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm Creditor Agreed to remove charge off from my credit report once paid in full. The account has been paid in full and is still on my XXXX Credit report. 
Account XXXX
Product: Vehicle loan or lease

I have sent remittance to them twice and they put a restriction on the account. They are not allowed to restrict anything. They are trying to have me commit a crime by paying a debt with a debt. I have sent a cease and desist along with a debt violation. The company has not responded to either. They received both XXXX XXXX Ally Financial/Ally bank dated a repossession letter XXXX XXXX. I received the letter XXXX XXXXAlly Financial is in violation pursuant to 15 usc 1692e false and misleading representation. They have threatened to take my property. They have threatened to report late payment to consumer reporting agencies. I did not give them written instructions to do so.
Product: Debt collection

This company is wrongfully in possession of non-public personal information without consent and has furnished incomplete and inaccurate information on my credit report without following proper procedures. In this debt collection scheme, this company has appeared on my report without any communication whatsoever from this debt collector without verifying the amounts or given me the chance to dispute and get required account level documentation verifying the accuracy of the amounts, procedures used and completeness. 

First can this company provide evidence of a consumer credit transaction? If so, can it verify the amounts I was approved for credit? 

Nonetheless, Can this company please provide all previous communications it had with me PRIOR to furnishing this account on my credit report in accordance to the law? As well as the full accounting and list of collateral according to F.S. 679.210 and itemization of the balance and where I agreed to pay that amount of debt, and its reasonable procedures to abide by the E-sign ACT? Can it also provide the full terms of its purchase and sale agreement of my alleged non-negotiable assignment of debt?
Product: Credit card or prepaid card

XX/XX/2022 to XX/XX/2022 I received free play and a complimentary overnight stay at XXXX XXXX XXXX XXXX. I could not stay that night. I called the hotel casino to cancel my free night stay. And I was told if I cancel I would pay a fee. I told them that dose not make sense. Its a free room I receivedXXXX XXXX told me that's the rules. So I didn't cancel but never showed up. And they still charged me. I made a dispute with discover and they ruled against me. I am charged {$110.00} Which isn't right.
Product: Debt collection

The woman who called me initially stated she would call me back after speaking with their client regarding the amount they are claiming that I owed. Once she was to call me back I assured her that we would get this matter settled so that it did not get reported. Not only did I never hear back from her, they reported to the debt to the credit bureaus before giving me the opportunity to resolve the debt. In addition to that, the new representative was complete obscene and rude, and also refused to remove the collection off my report even after paid.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section ^O 4 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. I want to hold them accountable for negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to XXXX XXXX XXXX XXXX XXXX - Account # XXXX Under the XXXX XXXX XXXX XXXX and Hardship Guidelines found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question. 

Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading XXXX Consumer Bill of Rights, but to no avail. 

I am still unemployed and actively looking for work, however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores.

This account is now over 2 years old, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, XXXX has continued to add interest, further damaging my credit score. 

In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at XXXX Consumer Bill of RIghts Article 1.

I have conveyed that I not only can not afford to pay the balance, because I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question.

God Bless, XXXX. XXXX
Product: Credit card

I have had this Community AAA Visa card for over a year and still can't register an online account to keep track and use features of my account. The problem is on their end. I provided the requested information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted Midland funding about 2 accounts I have settled and paid! They indicated on a recorded line that this would be removed from my credit report after paid and settled, according to credit report it should raise my score! Neither account have been removed! One is from XXXX paid in full and one from the beginning of XXXX! I have sent 2 emails and got notification they had been read and made one call where I was disrespected! Then they placed a derogatory remark on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Capital One Credit cards. Now I only 1 card being reporting to all 3 but the other card is still missing being reported to XXXX. 

Capital One XXXX XXXX Acct # XXXX is not being reported to XXXX. 

Please lets get this taken cared. The one card not being reported to XXXX is throwing my XXXX XXXX. % off record. 

I have attached both my Capital One Credit cards for your records. 

XXXX XXXX : Acct # XXXX needs to report to XXXX. 
XXXX XXXX Acct # XXXX ALL GOOD.
Product: Debt collection

Cedar Business Services LLC is claiming that I owe them {$5900.00}. Have requested multiple times that they provide me with the details, who authorized this transaction, whom it was paid, any written authorization these transactions in their possession. All the receipts, statements, agreements any other record pertaining these transaction. So far they have failed to provide anything related to this.