23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE AN OVERAGE OF {$4200.00} IN MY MORTGAGE ESCROW ACCOUNT. MY MORTGAGE IS HELD AT DITECH. I HAVE REQUESTED MY REFUND THREE TIMES SINCE RECEIVING THEIR ACKNOWLEDGMENT AFFIRMING MY OVERAGE IN WRITING ON XX/XX/2019. THEIR FIRST REPRESENTATIVE PROMISED ME THE CHECK WAS ALREADY IN THE MAIL. THE SECOND REPRESENTATIVE TOLD ME THE OVERAGE WAS NOT OWED BACK TO ME. THE THIRD, A SUPERVISOR TOLD ME DITECHS POLICY IS TO KEEP OVERAGES AND LABEL THEM AS PART OF MY ESCROW RESERVE. I EXPLAINED THAT THEY CAN LEGALLY ONLY HOLD UP TO TWO MONTHS OF MY INSURANCE AND PROPERTY TAX BILLINGS BUT MUST OTHERWISE RETURN MY OVERAGE. THE SUPERVISOR TOLD ME KEEPING OVERAGES IS DITECHS POLICY AND I COULD FILE A COMPLAINT IF I DONT LIKE THAT ANSWER. I WILL DO THAT AND ALSO REPORT THEM TO THE CALIFORNIA BRE, DRE AND THE FDIC. I AM JUST GETTING STARTED HERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a  XXXX  bill. I have no outstanding bills with this hospital or   XXXX   XXXX    This was not me
Product: Debt collection

The car was in an accident, which it was totaled and the insurance company paid the car off. The information on my credit is incorrect saying it was charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, A store manager from a furniture company, left a voicemail on my husband cell phone for me to contact her in regards of a new account that was recently opened in my name. On XXXX, I contacted her via phone in regards of the new account that was recently opened. She informed me that furniture were recently bought on credit at a Furniture store. I informed her that I have not opened any new accounts or bought furniture at any stores. She said she had a feeling something wasnt right because I live in a totally different State. She gave me the account number and address the furniture was delivered to. She said they have been getting a lot of identity theft lately due to people being able to fill out applications & get approve on the internet. She sent me an email with her store information. I called the police in their State but was informed to contact the police where I reside at and then they will be able to investigate the case.I looked on my credit report and that person was approved for XXXX by the lender._________________
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 's XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied an apartment because of wrong information reported on my XXXX  report and XXXX  credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX  XXXX and XXXX i spoke with the credit agency national credit and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. i have reached out to XXXX and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ... they told me only one thing i needed to fix was the dismissal eviction, we fixed that and they went behind my back and came back with a list of items that did not make since, they did not screen me like they screened others ... they never called me to give me any updated info, it was as they was working with the landlord to get me removed ...
Product: Credit card

I am writing to formally dispute certain information that appears on my credit report under Section 609 of the Fair Credit Reporting Act ( FCRA ). Specifically, I am challenging the legality of your ability to obtain and/or furnish my information, as I have never provided written consent for you to do so. 
Sezzle XX/XX/year>XXXX  {$190.00} XXXX XX/XX/year>XXXX  {$40.00} As you are aware, under the FCRA, credit reporting agencies are only authorized to collect, report, and share information about consumers if the consumer has provided consent or authorization for such actions. I have no record of ever giving written consent for you to obtain or share my personal information, nor have I ever authorized any party to do so on my behalf. 

In light of this, I am requesting that you : Provide documentation or proof of written consent from me authorizing you to obtain or furnish my personal information. 
Verify the legal grounds for collecting and sharing my information. 
Remove or correct any information on my credit report that has been included without proper consent or authorization. 
Please provide me with all supporting documentation within the time frame required by law. If you can not provide proper consent forms or legal proof for the furnishing or obtaining of my information, I request that you remove any such entries from my credit report. 

I also request written confirmation of the results of your investigation and any changes made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my student loans from XXXX were reported again as if they were taken out. This directly caused a significant decrease in my credit score out of the blue. I work so hard to keep a good score and play by the book but these companies make it almost impossible to. I decided to pay my graduate studies out of pocket and not go the loan route but now it is as if it was for nothing since they are reported twice on my accounts. 
- Equifax - XXXX - XXXX
Product: Checking or savings account

I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX for XXXX. I mobile deposited the check on XX/XX/19 to my citizens bank account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to XXXX XXXX. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from XXXX XXXX and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my Citizens account but then took it back out. I was never explained why. I inquired with XXXX  he said there is nothing more he can do. He stated that the person at XXXX XXXX still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. You can see a trail for checks deposited by me from XXXX The  unknown individual at XXXX XXXX has no trail as this was fraud. They have the funds that are supposed to belong to me. I have reached out to all three banks and they all are saying to contact the other.
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}. Also, I talked tosomeone within the company to confirm the documents have been received andthey informed me that they never receive documents from the cfpb... Please investigate this matter quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX  another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation
Product: Debt collection

Company is attempting to collect a debt for lab that was never taken. Dates are inaccurate. My visit occurred in XXXX of XXXX and they are trying to say it happened in XXXX of XXXX. As soon as I arrived and got checked in they advised me to go to the ER which I did. I have documents proving so. They are falsifying dates to collect on lab work that never happened. Ive never seen any lab results from this company. Also, I dont appreciate my protected health information being shared with a collection agency. The reason for specific lab work is something thats extremely personal to me. In the moment I was in extreme discomfort and pain and had no clue as to what I was signing that may have indicated it was ok to release my protected healthcare info. It was never ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrect information : 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 ) Experian incorrect information : 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

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 INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

25 phone calls in just the past week from Commenity Capital Bank. Calling all hours of the day, before XXXX until XXXX. Ive missed one credit card payment, and if Im more than a few days late, this happens every time. They will leave a message once, and then the 25+ times after that they wont say anything. They mostly call from an unknown number therefore I can not block the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.
Product: Debt collection

The amount was incorrect and my account was sold to a collection agency after the statue of limitations expired. once the credit bureau remove 's the debt from my credit report it keeps showing back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # 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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/2023 and XXXX XX/XX/2023. 

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 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

There is an account being reported inaccurately by the credit bureaus and I would appreciate if it was removed immediately. This account that is attached to this complaint is 100 percent reporting inaccurately. My name is XXXX XXXX XXXX and this is not a third party filing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I applied for and received a CALIF. Housing Finance Agency COVID mortgage forbearance, ( XX/XX/XXXX-XX/XX/XXXX 8 payments ). On XX/XX/XXXX, ( before I got the COVID forbearance ), their Dovenmuehle Mortgage servicer supervisor XXXX XXXX, ( contact info below ), had emailed me stating the forborne payments would be placed at the end of my loan and the loan recast at the same rate. 
On XX/XX/XXXX, I then sent them a letter by U.S. regular mail, certified mail, and email, ( to Dovenmuehle mortgage servicer ), asking to be removed from the COVID forbearance such that the last forborne payment would be XX/XX/XXXX. ( I paid XX/XX/XXXX and have paid XX/XX/XXXX ). Nothing happened. No response. An employee ( XXXX XXXX ), told me in an unrelated update letter dated XX/XX/XXXX, that my COVID forbearance is still in place. 
I sent emails to their counsel, ( available on request ), and today XX/XX/XXXX an employee, ( self identified as XXXX # XXXX ), telephoned me and said the exit from forbearance and my approval of terms would have to be in telephonic communications only but only they, not I, would be allowed to audio record. I protested and she stated I was refusing to move ahead. I said I was not and said I was merely requesting the documents be in writing to protect myself. She said she would ask her " underwriting team '' but could not " promise '' they would move ahead in writing. I said I would check with CFPB about this telephonic policy and asked her to have supervisor XXXX, ( who they posture as a real person ), call me back. 
A little while later she called back and said XXXX was " on vacation ''. 
My complaint is they wont respond to my request to culminate COVID forbearance, set up repayment like they agreed to, and do it in writing like all reasonable American businesses. 
Also they generated in last few days an automated email which appeared to, ( amidst their ignoring of my letter ), bait me into a secret, ( behind firewall of website portal ), " workout '' process, which I feel warrants investigation. 

XXXX XXXX XXXX XXXX Supervisor Loss mitigation Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX O : XXXX, ext. XXXX F : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  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 or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I contacted Hancock Whitney Bank regarding my title for my vehicle. I hadn't received the title and it has been close to 2 months since the payoff. After contacting them, I was told there was a balance owed of {$5.00}. I told the lady I hadn't received a bill for this amount. She stated that a bill hadn't been sent since XXXX. I was unaware the bill hadn't been paid off. My credit history is excellent. I then contacted my daughter, who is a banker. She told me to call them back while she was on the phone because 30 days past due could be showing on my and my husband 's credit report. I called back with my daughter on the phone. She only mentioned that a negative mark could hit my credit. The rep then said it would violate privacy and I needed to go through a series of questions. I failed the series of questions and am totally unaware of some of the phone numbers they were mentioning. We called again and still the same process and I failed again. I do not feel it's fair that my credit be negatively impacted because I never received a bill after the bill I thought should have paid off the loan.