23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dovenmuehle Morgtage are ina ccurately reporting to my credit report.     In  XXXX   XXXX   XXXX   XXXX  appeared on my   XXXX   credit report, citing a mortgag e as 60-120 late for th e months of  XXXX   XXXX ,  XXXX  through  XXXX   XXXX . I do not have a mortgage with  XXXX   XXXX , additionally I have received no correspondence from this company informing me of such.     Shocked to see this I reached out to my mortgage lender  XXXX   XXXX   XXXX   XXXX   to ask if they had sold my note, which I was told they had not. I then called up the number listed on the credit report and was surprised to hear that it was Dovenmuehle Mortgage that answered.  Dovenmuehle  are however the servicers for my mortgage with  XXXX   XXXX   XXXX   XXXX   and while the representative informed me that  Dovenmuehle  also serviced mortgages for  XXXX   XXXX , they were unable to provide me with an explanation as to why this was being reported to my credit report.     It should be noted that I am are currently disputing several months of mortgage payments made to  Dovenmuehle that d o not appear to have been applied to my account for my mortgage with  XXXX   XXXX   XXXX   XXXX    According to the most recent statement I received Dovenmuehle they state they have not received payments for  XXXX   XXXX  through  XXXX   XXXX   ( E xhibit A ). However this is not what is being reported on my credit report and is yet another instance of inaccurate reporting by  Dovenmuehle.      As of  XXXX   XXXX   Dovenmuehle  is still reporting  XXXX   XXXX   ( an   entity I have no relationship with ) to my  XXXX  credit report while they report   XXXX   XXXX   XXXX   to  XXXX  and  XXXX   ( se e Exhibit s B & C ). This n ow looks as though there a re two se para te entities reporting to my credit thus having a great er negative impact on my FICO score. As a consequence I have had to enroll and pay for real-time credit monitoring services at my own expense. These erroneous reports have also resulted in me being turned down credit applications and in once instance having my credit limit reduced. This has meant that important home projects and vacations have had to be cancelled and put on hold while I desperately try to resolve this.     I consider this a very serious issue from both a mortgage servicing practices point of view and in terms of filing false claims on my credit report that have had serious ramifications.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX.
Product: Credit card or prepaid card

My partner, XXXX XXXX XXXX, and I had two lines of credit with CapitalOne : a Platinum card for {$5000.00} and a QuickSilver card for {$7000.00}. He is the primary holder ; I am the secondary holder. They had perfect payment histories, XXXX  balances, and the cards were locked. CapitalOne abruptly closed the QuickSilver account and took both accounts off-line. When we called to find out why, we were told by CapitalOne ( 1 ) someone had removed me from the QuickSilver account ; and ( 2 ) that XXXX  credit bureau had reported the QuickSilver account as opened fraudulently. We never made any such request to CapitalOne, and we never made any report to XXXX. In trying to resolve this issue, both my partner and myself sent notarized letters to CapiralOne Credit Bureau disputes attesting to these facts on XX/XX/2021. We have heard nothing from them. I called CapitalOne this morning to request an update and was told they can do nothing to restore either our QuickSilver line of credit, or either of our account access online until they hear from XXXX. I called XXXX  and they said they cant help us because they have no dispute with CapitalOne on file for either of us, which makes sense since we never initiated one. I called CapitalOne back and tried to tell them what XXXX  told me - and now, all of a sudden, they wont talk to me because I am the secondary account holder. Theyve always talked to me before - including this morning. This is a bunch of XXXX  : finger-pointing, passing-the-buck, inertia designed to waste my time. The primary account holder has both spoken to and written to CapitalOne about these problems. We have both complied with everything theyve asked of us, and we want both our credit lines restored and put back online so we have access to them FORTHWITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account reporting to my credit that is not my card, this account belongs to someone else and I was an authorized user not responsible for the card. Delete this account from my credit asap.
Product: Debt collection

I was a previous tenant at XXXX XXXX and upon terminating my least I was informed that I had to give 60 days notice when I was not aware of it I was previously told 30 days notice. Because of this a charge was added to my account of {$590.00}. This account is from XXXX and has been forwarded to a collections agency. On XX/XX/XXXX I reached out to capstone credit and collection to inform them of the situation and requested to have this removed from my account and they said the best they could do was a settlement of 50 %. I informed them of XXXX   failure to properly inform me of a 60 lease termination agreement which would result in a month 's rent company also kept my deposit which I believe should offset the caseworker named XXXX XXXX told me I should get an attorney because there was nothing that they could do. Said I got to go and basically hung up on me after I told them I was going to report them.
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early.
I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed.
I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed.
Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand!
The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!!
They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!!
I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Equifax, I have circled the items I dispute on the attached copy of my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the items be removed immediately as those accounts is not mine. Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. please investigate this matter and delete the disputed items as soon as possible. thanks.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies. In my credit report, despite my submissions, Equifax consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act or FCRA15 USC. Subsection, 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( cfpa ), 12 USC SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX ) against them for similar violations, I request that the CFPB take action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX my credit for a loan I was denied. Regional acceptance has continued to leave there company on my credit report I want it removed
Product: Student loan

Navient has agents who are using discriminatory, predatory, fear tactics, and practices to collect loan payments, and trying to dispute forbearance options lenders have. Agents told me I had used up all my forbearance options, and told me other borrowers who had run out of forbearance had family to help them pay the loan. I explained to them I didnt have family who could help me pay, that I had been in icu for a month, Im no longer employed and unable to make payments, prior to this I experienced loss of income due to pandemic. Agents were rude and inconsiderate and as I stated tried to use fear tactics to force me into repayment even though I have no income at this time. They made several harassing phone calls to me in one day about outstanding payments.
Product: Vehicle loan or lease

We finished our three year lease with Ally Financial in XX/XX/XXXX. Throughout the course of the lease I was frustrated with Ally 's billing statements. It seemed that I was perpetually late! Even after I sent in payments in the exact amount listed on statements mailed to my home, I was always shocked to find that there was an outstanding late fee from months before that was now compounding in additional late fee charges. We have had several home and auto loans. Ally was by far the worse financial institution to deal with. Needless to say, we were happy to be finished with our leasing agreement with them. We were disappointed to receive a letter from Ally on XX/XX/XXXX telling that we owed {$1000.00} in excess wear charges. They sent pictures of the " so-called '' damages which appeared to be no damages at all. We told Ally that we were disputing the charges and agreed to only pay for a small dimple dent on the hood of the vehicle that Ally was charging {$240.00} to repair. Ally refused. I filed a complaint with the FTC ref. number XXXX as well as the Better Business Bureau Serving XXXX Michigan and the Office of the Attorney General Consumer Protection Division ref. number XXXX. We jumped through every hoop Ally asked of us however after their " internal '' review of the case ( they had to review because of my BBB complaint ) they stood by their {$1000.00} charge. We were forced to contact a lawyer. Not because we could n't afford the charge but rather because a company should not be allowed to take advantage of customers and bully them into paying for fictitious wear and tear charges. We informed Ally that we had contacted a lawyer. In the process they sent us to a collection agency. My husband and my credit score has dropped 100 points because of Ally Financial. Our lawyer sent a letter to the collection agency and we recently settled with Ally for half of the {$1000.00} charge. Something we could have done back in XX/XX/XXXX if Ally! I was informed by the Collection Agency that Ally is the only one who can take the complaint off of our credit report. This is what I do n't understand! Ally Financial has a BBB overall rating of F, they are NOT accredited by the BBB because of their poor business practices. Of the 136 customer reviews of Ally, 133 were negative, that 's a 98 % negative customer rating! https : XXXX How can a company with a F rating have any authority to ruin a customer 's credit score for 7 years. I do n't know what our recourse is. I just know that something MORE has to be done to watchdog companies from customer bullying. And there has to be negative consequences for companies with a F rating.
Product: Debt collection

They call up to XXXX times a day, never leave messages. Start calling at XXXX till as late as XXXX at night. XXXX
Product: Debt collection

On XX/XX/XXXX I reviewed my credit report and noticed adverse items being reported by Jefferson Capital System for an alleged debt in the amounts of {$1000.00} and {$8400.00}. As of XX/XX/XXXX, Jefferson Capital System been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies.

Jefferson Capital System never notified me prior to furnishing the alleged debt or ANY correspondence/communication in regards to the alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Jefferson Capital System must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Jefferson Capital System sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Jefferson Capital System has strict liability and must comply with all statutes and regulations set forth. Jefferson Capital System as failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Jefferson Capital System shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) - Proof of Claim
Product: Mortgage

XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT. 
" IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS. 
THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER. 
THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD. 
FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY. 
AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS. 
XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following delinquent account listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX/XXXX  XXXX for {$360.00}. The account is fraudulent and dont belong to me.
Product: Debt collection

Called XXXX twice. I answered both calls and no one was on the line. The line disconnected. 
Have called 13 times in the past four days, not including the two calls listed above. These calls I did not answer. Researched number on web to find out it belonged to I.C. System, INC. 
XXXX, XXXX XXXX, MN XXXX. 
These are obviously robot calls.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX transfer from my chase account for XXXX dollars to purchase XXXX XXXX XXXX. the person hung saying he would send me the digital ticket and he never did but I have 3 phone numbers one if disconnected now and one works and the other was used for XXXX transfer
Product: Checking or savings account

Received credit denial letter from Citibank for credit card on XX/XX/XXXX " Unable to verify info on consumer report ''. Same day got a PIN # letter for a card ending in XXXX. Contacted Citibank # that was on the activation PIN letter. Spent hrs trying to get someone in Fraud Dept to assist. Kept getting transferred or hung up on. Asked for my social multiple times bc I didn't have full card #. Never was able to get someone to tell me anything more than it was a checking acct, not a credit card. Then on XX/XX/XXXX, I received the debit card in the mail, with nothing else but an activation #. Then on XX/XX/XXXX, I received checks in the mail with a letter that states before I use the checks, I must fund the account. These are all for a checking account with Citibank. I do not have any open/active accounts with Citi, and I locked all 3 of my bureaus. When I attempt to contact Citi - it wants me to activate the card, which I refuse to do. A friend of mine just received a XXXX debit card with the same exact situation, and numerous co-workers are dealing with unemployment fraud claims. This is highly concerning, because it could have easily gotten into someone else 's hands to activate in my name.