23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dovenmuehle Mortgage performed an escrow analysis dated XX/XX/2021 with incorrect information. As a result my annual property taxes were increased from {$7700.00} to {$9600.00} with no documentation to support the increase in property taxes. In turn my monthly mortgage payment went up nearly $ XXXX/month A letter from Dovenmuehle was received on XX/XX/2021, 3 weeks after it was initially performed. There was no notification through their online servicing portal that any changes were being made to the loan, taxes, or payment. 

Upon receiving the escrow analysis on XX/XX/2021 I immediately reached out to Dovenmuehle with the contact information provided on the letter received. I was instructed to send an email to " XXXX with my loan number in the subject line and attn tax department '' with any information regarding the errors. 

An email was sent on XX/XX/2021 with an official city tax bill, 24 month chain of title, initial escrow account disclosure statement, and tax record information sheet from closing. All 4 documents have the correct tax information, tax parcel number, and legal description. After sending in the corresponding documentation I was told that the tax discrepancy would be resolved by XX/XX/2021. 

On XX/XX/2021 my regular scheduled mortgage payment was made with the overcharged amount of {$2100.00}, when normally {$1900.00} is min payment. 

I followed up on XX/XX/2021 via phone using the same number that was provided on the analysis statement. The information was still incorrect and at this point a separate case was opened up for the same issue with a further deadline date of XX/XX/2021. I was given no information on why my original request was not completed and why now a new request was opened in lieu of my original. i can only assume that Dovenmuehle missed their deadline and are now creating a new request to extend the already passed deadline to protect themselves On XX/XX/2021 I received an email from XXXX XXXX " XXXX '' with '' XXXX XXXX XXXX '' cc 'd on the email. indicating XXXX would be my main point of contact and he is the resolution specialist handing my tax issue. 

XXXX XXXX is telling me that following up could be hindering the process of getting my tax information corrected. To me as a consumer this response comes off retaliatory all because I am trying to stop being overcharged for my annual taxes and monthly mortgage payment. 

I have followed up multiple times and there has been no movement with my issue, it has been nearly 60 days since the incorrect escrow analysis has been performed. 30 days since all the documentation to correct was sent to Dovenmuehle Mortgage. As a result Dovenmuehle is systematically overcharging me on my mortgage nearly {$160.00} with no accountability or timetable to correct.
Product: Mortgage

On or about XX/XX/XXXX I contacted Rocket Mortgage and was transferred to a XXXX XXXX XXXX XXXX. I asked him if they could take over my 2nd mortgage at the 7 % that I was seeing, he stated that the only way they could do that was if I refinanced my 1st loan or if I took out a separate loan. He then stated that I could go over to Rocket Loans and get the money I needed and then come back and consolidate the 2 loans for that rate. I did that and communicated with him throughout the process at the number he gave me which is XXXX. I did some repairs and spruced up my bathrooms with tile floors, vanities, painting mirrors and repaired my fence and toilet that was damaged during the hurricanes. I then called him back and someone else from Rocket answered stating that they didn't know who he was and that language continued until I sent them a text proving that he worked their. Then I was told he was fired and they're not going to honor his words. I also noticed that he is also with XXXX XXXX XXXX. Please help me
Product: Money transfer, virtual currency, or money service

Cash app has screwed me over thousands of dollars on unauthorized charges and I was left to fit the bill on something I didnt use. Their customer service support is not professional or helpful.
Product: Consumer Loan

This is a joint account that I have with my daughter XXXX XXXX. I was going through a lease extension and was denied making any further payments until the lease paperwork was processed. I sent in the signed lease extension along with my payment before the due date indicated. There is currently a XXXX balance on my account. I am erroneously being reported as having a late payment when I was renewing my lease agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX, I contacted all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listen on my credit report and it should be removed as ordered it is not my responsibility by the judge in my divorce judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to re-add an account that should have never been removed in the first place I will continue to make complaints until this is done. I made a complaint about Transunion and XXXX   I'm confused as to how XXXX got the issue resolved in less than a week yet I've called Transunion over 7 times and made 4 complaints. See XXXX 's comment below We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that you have been an authorized user on your mothers credit card and for some reason it was removed from your credit report. You would like the account added to your credit report. Per our phone conversation, we are in the process of re-adding your authorized user account to your credit report. Upon completion, the result summary will be provided to you for review and confirmation. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I only receive social security income. During XXXX when the child tax credit was in effect. The bank states that they were obligated to provide a temporary credit to my account to allow access to the funds from the IRS. I did have overdraft fees to pay my rent which were paid back in the same month with my social security income. On XX/XX/XXXX, I saw that my bank account was negative {$2000.00}. Wells Fargo states that I owe this amount due to a reversal of temporary credit provided for negative balance prior to stimulus payments. Wells Fargo has taken my only income for myself and my daughter. My daughter and  I are both XXXX. Wells Fargo has taken 3 months of my Social Security XXXX leaving me with no way to pay my rent, utilities, car, insurance and gasoline to take my daughter to her appointments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. 
This is the third complaint I have filed with Experian relating to a loan that was taken out fraudulently. Experian customer service representatives, more importantly, fraud special services, did nothing more than contact the US Department of Education and asked if this was my loan. They were told yes. This is all that they did with an investigation dealing with fraud. I was told the social security number must have been a mis-type, even after submitting a deposition and other supporting evidence which explained that the last number was changed. 
Not to mention no one took the time to read over the information provided. They asked for a police report, I submitted a deposition with the State Department of Texas, but apparently they are more concerned with semantics that actually taking the information into account. I was told they could not read what was uploaded, so I spent several hundred dollars sending copies of the same information through the mail. No one bothered to contact the school to ask for student records or identification of the student, because it would have clearly proven it was not me. 
I sent copies of my identification my social security card, address, etc, and none if that was considered. I do not believe they contacted the US DEPARTMENT of Education, bc if they did, they would not have been able to locate the information based off my social security number. I also do not understand how someone can apply to XXXX XXXX with out an actual social security card. 
This loan shows it is in good standing. 
It is current and it is being paid on time. 

How is it possible for Experian to put this on a credit report when it's twenty-three years old and has never been paid. 
How can Experian so grossly neglect the fact that the social security number does not match my social security number. How after so many years, can Experian just place an item on a report with out looking at the numerous discrepancies and not inquire about the situation. This was never listed on any credit report prior to last XXXX. 
I am uploading the letter from the Servicer of The Federal Perkins Loan. This is a letter that states it is not mine and that the credit reporting agencies would be contacted to have it removed. Experian, still has yet to remove the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.
Product: Credit card or prepaid card

Hello, I'm writing in connection with a recent fraud inquiry involving my Chase Sapphire credit card, wherein I received 2 consecutive fraudulent charges on XX/XX/2021, but only the first of them was properly flagged as fraud and refunded. I have just received a letter from Chase notifying me that my second attempt at having them investigate the second charge in question has been denied. 

As background, during a vacation I was taking in remote regions of XXXX I received the first fraudulent charge for {$3400.00} from XXXX XXXX XXXX, which Chase correctly rejected. My credit card number was automatically changed and Chase notified me of being sent a new physical credit card. However, a couple hours later, the charge in question was admitted for {$4500.00} from XXXX XXXX XXXX using my previous card number. I immediately contacted Chase to notify them of this second charge, and a ticket was opened for fraud. The fraud department eventually denied this claim because the scammer used my name and mailing address to " ship '' a product to themselves. As you will see below, nothing was ever shipped to me, and this is clearly a circular scam in which the merchant charges the fraud victim and then make it look as if they received something in return. My proof that this was not me making a purchase is 1 ) I was not at my home to sign for the package as claimed by the merchant, and 2 ) when requested that I reach out to the merchant to get proof of fraud, the response I received is clearly that of a scammer ( screenshot attached ), as they offered for me to resell the " good '' at a higher price and also to connect with them to sell items in the U.S. Your common merchant does not respond this way. 

Furthermore, I am confused how this charge in question was never flagged as fraud when the same credit card # as the first flagged transaction was used to make this one, and by the time I had noticed this transaction Chase had already automatically assigned me a new number. 

On XX/XX/XXXX I contacted Chase again to open up the fraud inquiry once more, and sent documents with proof that I was out of the country until the XXXX of XXXX, and thus not home to receive or sign for any package, as the seller claims that I have. I also explained that I have never before made such large purchases for commercial goods, especially two in a single day, much less from random XXXX accounts in XXXX. It's very clear from two such purchases in one day that my card information was stolen and used to make extravagant purchases that are not in line with my normal spending habits.

I've just received notice that the Chase has again denied my fraud claim. It's ludicrous that of the two consecutive charges, both of which are seemingly for luxury items from foreign merchants, both of which are uncharacteristically large purchases for my account, only one of them is counted as fraud.
Product: Debt collection

On XX/XX/2022 CREDIT COLLECTION SERV added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CREDIT COLLECTION SERV has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- 1st Franklin Financial XX/XX/XXXX -- -- -- XXXX XXXX
Product: Debt collection

I I am receiving multiple calls from the below listed credit agency and harrassing letters with intentions of collecting a debt that does not belong to me. There was no option to dispute the debt, just an attempt to collect.
Product: Credit reporting or other personal consumer reports

In XX/XX/, I was notified by XXXX that my Citizens Bank Retail Loan, was reported delinquent by 30+ days. I attempted to log into my account, which normally doesn't work due to systematic issues, my Auto-Pay was Enrolled, my Paperless Statements were turned Off, and my contact information was current. I contact my bank who confirmed no attempt to pull transaction was made. I contact the Creditor immediately the next day, on representative claimed they " emailed me a notice about my outstanding debt '' when I asked why they would email me if I have paperless disabled and to furnish a DNS report showing they emailed me since no paper statement was received, no phone call, no notice app, they couldn't send one. 

I spoke with XXXX XXXX from the Chairmans office and filed multiple disputes with XXXX. They then marked me 30+ days late on XX/XX/ when my due date was XXXX XXXX XXXX I disputed yet again, they fixed my XXXX remark, temporarily removed my late payment in XXXX. 

XXXX XXXX my account some how magically went back to paperless after 2 months of Citizens saying they corrected the account. Citizens furnished a document stating there was in fact no banking error on their end, however have yet to furnish ANY proof of notice to collect a debt, couldn't explain as to why my payment didn't pull, nor why my account was switched to Paperless without my authorization. 

This remark has marked my credit by 70+ points negative and no explanation as to why other then " you missed a payment '' despite my account being on file and not pulling, and being able to prove tot them that their is a systematic issue which is why my account has repeatedly switched to Paperless with out my authorization at any point.
Product: Debt collection

Crown Management attempts to collect on Fraud Account after it was advised to cease and desist all collections and violating my rights under the FDCPA. Also Crown Asset Management is an accused notorious violator of federal debt collection laws known as the Fair Debt Collection Practices Act ( FDCPA ) and is sued regularly by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts.
Product: Debt collection

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 Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX, I am formally disputing inaccurate information on my credit report, which is negatively impacting my financial well-being. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into these inaccuracies and prompt correction as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing 'sham investigations ' and other unlawful practices. According to the CFPB, these violations include : - Conducting inadequate investigations that fail to properly address consumer disputes. 
- Re-inserting previously disputed and inaccurate information without justification or notification. 
- Failing to effectively notify consumers about the results of investigations. 
These systemic failures undermine consumer protections and contribute to the continued reporting of inaccurate information. I am concerned that my dispute may be mishandled in a similar manner. 
Disputed Information Pursuant to 15 U.S.C. 1681b, I request a full investigation and correction of the following inaccurate information on my credit report : 1. Hunter Warfield , Inc. - Account # XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX - Dispute Reason : This collection account is inaccurate because [ provide reason : e.g., incorrect balance, already paid, not mine, etc. ]. 
- Supporting Documents : [ Attach any relevant documents, such as payment records or correspondence with the creditor ]. 
Requested Action Per 15 U.S.C. 1681i, the FCRA requires that this investigation be completed within 30 days. If the disputed information is inaccurate or unverifiable, I request its immediate removal from my credit report. 
Please provide written confirmation upon receipt of this dispute and notify me of the steps taken to resolve this matter. If further information is needed, you may contact me at the phone number or email provided above. 
Sincerely, XXXX XXXX
Product: Debt collection

Upon recently obtaining my credit report through transunion and XXXX, I discovered a debt showing in collections through a company by the name Midland Funding LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their telephone number is XXXX. They provided an account number of XXXX on my credit report. I have never held an account with this company and they are attempting to collect a debt that I did not make with them. I have never signed nor agreed to open any account with this company. I am certain this company has no agreement between them and I which I signed and agreed to. I feel this company is attempting to collect monies from me that I do not owe them. Judging by the Fair Debt Collections Act, this company is wrong by trying to collect money that I do not owe to them. I have attempted to settle this dispute by sending this company a letter of dispute via certified mail. I would like them to cease collection attempts immediately.
Product: Mortgage

Hello, Loan Depot, my mortgage company, has returned 3 of my mortgage payments with no explanation. I have called on four occasions, each with a different outcome and no resolution. First, I had sent it to the wrong account number. I fixed that. Second, sent to the wrong address. I fixed that. Now, after all of that was fixed the payment was rejected and credited to my account again. Customer service rep was going to waive late fees. I spoke with XXXX on XX/XX/XXXX for 49 minutes he stated that no payments were showing received and that he would elevate it to the research team and contact me within 5-7 days. It's now XX/XX/XXXX and I have no comfort that this will be resolved. I sent over a complaint to the CFPB when the issue first came up in XXXX, no answer. Loan Depot 's service was excellent when refinancing and horrible after they've secured my loan. Call wait times are excessive with no response. When they do call back there's no option to speak to a person, just an automessage letting me know that my payment is late. 

This has been going on since XX/XX/XXXX and is wreaking havoc on my finances, not to mention my peace of mind. I've since updated my autopayment date to the XXXX to make sure it's received by the XXXX ( due date. ) What do I have to do to get this resolved? I am attaching copies of correspondence sent in through the portal ( two segments ), excerpts from my phone log and the debits/credit from my account. I can be reached at XXXX. @ XXXX Thank you. 

XXXX XXXX
Product: Checking or savings account

Bank of America closed my account that I share with my husband. They locked all of our funds and are refusing to give them back to us ( over {$5000.00} ). They are claiming its because my XXXX  loan went into my personal account. The gentleman Ive been speaking with at the bank told me XXXX  would need to call them to get the funds. XXXX  says in no way shape or form will they do that. Its a loan that I am responsible for. Once it left their hands it became mine.
Product: Debt collection

The company is called Petland ( XXXX XXXX XXXX XXXX XXXX They contacted my estranged parents who I do not talk with and left a voicemail talking about our debt. They contacted them on XX/XX/2023 they did not have my estranged parents before this time period. They admitted to us that they use an automated system that contacts anyone who hasrelationship with us and contacted them without our permission. When we called the company XX/XX/2023 to gather information how that has happened and they dont have proof on file that we gave that number and that they do not have our permission as well. We have proof of the voicemail that I received in my old email from my estranged dad with a picture of the encounter. 

Attached will be the screenshot of the voicemail my estranged father received