23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

QUESTION : Im told by PHH/Ocwen and XXXX  XXXX  that they dont know who the registered agent is for the former GMAC Mortgage Corporation. They do know that all of the paperwork/files were transferred to an attorney firm at some point. They are not customer facing or a loan servicer and do not reply to requests for information. 

Does anyone know who the attorney or law firm that was assigned as the registered agent for the former GMAC Mortgage Corporation? 

Background : Property with GMAC Mortgage Lien Requesting Discharge : We are seeking a discharge for the original GMAC mortgage and note that was paid in full/satisfied back in XXXX through a loan refinancing through XXXX XXXX XXXX. A discharge was required to be recorded by GMAC in the XXXX County NJ Clerks Office, but they apparently failed to do so and it was not discovered until XX/XX/XXXX when we went to sell the property at XXXX. I'm prevented from transferring clear title to the buyer because of this so I need a discharge immediately. The property at XXXX was sold on XX/XX/XXXX. However, the title company is withholding {$10000.00} in escrow from the sale proceeds until this GMAC mortgage lien is resolved. 

Overview : XXXX ( husband/wife ) need to obtain a mortgage discharge for a former GMAC Mortgage. 

During the recent sale of our primary home at XXXX, we were informed by the Title Company ( XXXX XXXX ) and the XXXX County ( New Jersey ) Clerk Records Department that we have a GMAC mortgage shown as outstanding. The original mortgage was with GMAC Mortgage Corp of PA loan # XXXX for {$200000.00} dated XX/XX/XXXX. Borrowers were XXXX. We purchased our newly constructed home at XXXX in XX/XX/XXXX for {$280000.00} financed with a {$200000.00} GMAC mortgage. 

This original GMAC mortgage dated XX/XX/XXXX was subsequently refinanced in XX/XX/XXXX at a lower interest rate with XXXX XXXX  XXXX XXXX # XXXX for {$200000.00}, but apparently the GMAC mortgage was never discharged properly with the XXXX County Clerks Office during the refinancing process. The refinanced {$200000.00} mortgage with XXXX XXXX  was apparently sold/purchased by a few banks and eventually was acquired by XXXX XXXX loan # XXXX. XXXX XXXX was holding the loan when XXXX fully paid off the mortgage and XXXX XXXX properly discharged this mortgage with XXXX County Clerks Office.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Previous XXXX ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX Employers XXXX XXXX XXXX XXXX XXXX RETIRED Employers : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text message asking if I had attempted an online XXXX transfer of {$3500.00}. Immediately after this I received a call from the Bank of America phone number by a person ( XXXX XXXX ) who told me that I order to get my money back I needed to do a XXXX transfer to myself for {$3500.00}. I followed his instructions and from the information on my checking account, the transfer to me was made. He then called me back later and said the transfer did not work so I needed to do the transfer again. I did not have sufficient funds in my checking account so the transfer was taken from savings for {$3500.00}. Again, the information on my savings account it looked like the transfer had been made to me. After I saw that my balance had been drawn down by {$7000.00}, I called BOA and was told that they had not called me even though the call was from their phone number. I filed a claim with them on XX/XX/XXXX and for the {$3500.00} that was stolen from my checking account, I got the funds back on XX/XX/2022. When I saw no action on the savings account I called again and BOA opened another claim on XX/XX/2022. I received a letter today dated XX/XX/2022 stating that my savings account would not be credited. I dont understand how this should be the case since the fraud occurred in two instances on the same date and Im the owner of both accounts. Why would I get the money back for the checking account XXXX fraud and not for the savings account? I called BOA again XX/XX/2022 but they said the 45 day waiting period was not up until Monday, XX/XX/2022 and they would send any documents used to make the decision to me.
Product: Debt collection

Today I was contacted by Reliant Capital Solutions , LLC in an attempt to collect what I thought to be a consecutive payment of {$50.00} in a rehabilitation program. I spoke with XXXX XXXX, whom Ive only been in contact with since they began contacting me in XX/XX/XXXX. He called me for the payment and never disclosed not once that failure of my payment last month would automatically enroll me to an completely new rehabilitation program until AFTER he had already received the authorization to debit my account the {$50.00}. He then stated that I would have an additional 7-9 more additional payments since I had not made a payment for the month of XX/XX/XXXX and that he would attempt to change my due date to accommodate the two previous months so that they would count towards the now NEW rehabilitation program. I asked to speak with a supervisor about an exception, he stated a supervisor would not be able to grant me any leniency and refused to escalate my call any further. I feel as though this tactic was disingenuous and also misleading since I was not told at any point during the call that failure of the payment from XXXX would now enroll me in an altogether new contract.
Product: Debt collection

I just received a paper about a judgement in the mail, I did not get a court notice but when I looked online this card is over 4 years old, its almost 5 years old so I should have never even been taken to court cause its illegal in the state of PA to sue somebody over a debt thats 4 years olXXXX. Also, this credit card which would be Lowes or Walmart was never even used by me. Also, I get a paper in the mail every few days, it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681S2. 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.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Privacy violations.

Abusive of power and abusive of incorrectly reporting. 
Requesting a credit report for an impermissible purpose. 
Failing to follow proper debt dispute procedures. 
Furnishing and reporting old information. 
Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau EXPERIAN. XXXX. XXXX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXX XXXX  XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XX/XX/XXXXsent to an address that I have never lived at. Despite my claims and disputes XXXX, XXXX  and Transunion continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, XXXX and Transunion notifying them that XX/XX/XXXXis not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three  occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, XXXX and Transunion that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.
Product: Credit card or prepaid card

On XX/XX/2018 I recieved a Chase XXXX rewards card. I never applied for the card and dio not want one. I called Chase and after 11 minutes, I finally spoke to a customer service person. I asked why they sent me the card and she said I must have requested it. I told her I did not. She ask for my Social Security numbere and I told her I didn't want to give her that personal information. She told me that if I didn't give her the information, she would not process my complaint. 

I can't understand how a company can use my personal information to send a credit card I did not ask for. I don't know who is to blame, Chase or XXXX.
Product: Mortgage

I am trying to fight through roadblocks put up by my mortgage lender XXXX XXXX XXXX. They took over my loan from XXXX and have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. They recently claimed that they had reviewed my financial information but stated I was denied because my monthly income is only {$1400.00}. That is not even CLOSE to accurate. I receive pension as well as XXXX and it is over {$2000.00} per month. It seems that Rushmore is just making an excuse to foreclose as they have set a sale date for XXXX XXXX. I have lived here since XXXX and XXXX XXXX  XXXXXXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as permanently XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. 

I needed to take some cash out and was steered/duped into a predatory high interest rate ARM loan by XXXX. When I realized what was happening at the signing table I objected but they told me not to worry, I could always refinance into a fixed rate loan later. It wasnt long after that property values tanked because of the recession and the hope of refinancing was gone. As my payment adjusted up I struggled and tried to get XXXX to help me at that time. They did offer me a modification, but it was a temporary fix, and after a few months my payment became higher than it was BEFORE the loan modification. XXXX was difficult to deal with and it is not surprising that they were fined and sanctioned by the Department of Justice for unethical foreclosure practices. When XXXX went out of business they sold my loan to Rushmore for pennies on the dollar and I feel that Rushmore is obligated to work with me to put a plan together so that I can save my home ; I was duped by XXXX at origination and then put into a modification that they said would lower my payment but they told me it was permanent and six months later the payment was higher than it had originally been! I cant afford my payment, it is close to half of my monthly income and I am significantly underwater and need help because Rushmore is ignoring me and trying to auction off my home!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Transunion has been inadequate. 

Here are the details of the issue : File Number : XXXXXXXX XXXX XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX  Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Transunion informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Transunion to confirm the accuracy of this information.

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Transunion claimed they updated the item but did not provide any documentation to support their findings.

I asked for the supporting documentation, as is my right under the FCRA, but Transunion has failed to respond appropriately.

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Transunion : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Transunion comply with the 30-day investigation requirement as mandated by the FCRA. I also request an
investigation into Transunions handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Your company has not done a proper investigation on my consumer report, and I do plan on using case law due to your company being sued right now for improper investigations. I have revoked your company Power of Attorney, so I demand that your company do as I say with my consumer report that I have Power of Attorney over. I have sent complaint on complaint using many laws that govern specifically the FAIR CREDIT REPORTING ACT 15 USC 1681. Please reinvestigate my consumer report and fix all the violations I keep telling your company about. I don't want any account showing any transaction history nor the experiences I am having with the companies, I just want the accounts to be reported as " Updated, Paid as agreed '' as according to 15 USC 1681a. Also, anything to do with education on my report please remove since it's illegal according to the FERPA ACT ( 20 USC 1232g ) and The Privacy Act of 1974. There are many other violations I have already complained about before that need to be fixed still. Please know that according to 15 USC 1681n Civil liability for willful noncompliance and 15 USC 1681o Civil liability for negligent noncompliance your company is in violation of both, and I can hold your company accountable up to a {$1000.00} per violation which I have invoiced multiple times about and even asked for Arbitration Fee Waiver as your company says I can do but no response. If my consumer report isn't fixed the correct way according to the law, I will be holding your company accountable for every violation due to causing me many denied applications that I have proof of, emotional stress and financial hardship.
Product: Checking or savings account

My Name is XXXX XXXX, TD bank claim theres unusual activities on my account which being sent through XXXX  so they want to close my account But all those XXXX  transactions are from my dad sending me allowance every now and then. They keep telling me to call the XXXX  department but nobody answers the phone and I want this probably to be fixed before I have money in there and I cant access it.
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX, XXXX, XXXX, 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 TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS XXXX IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a re-investigation and a provide method of verification of the bankruptcy listed on my credit report.
Product: Credit card or prepaid card

My card was closed without notice. and I have XXXX points that is now in limbo. I would like to get paid out at XXXX.
Product: Mortgage

OCWEN is taking my home away through a foreclosure sale on XX/XX/2019 and there is nothing I can do to stop the sale. They have hindered my ability to obtain mortgage assistance ; having never had my loan completely reviewed for mortgage assistance. I feel that I am defenseless against a giant foreclosure machine and need your help to stop them from wrongfully taking my home away. I see that you fined them XXXX XXXXXXXX for not helping homeowners and they are apparently still doing now what they did before. You also gave them an order to help homeowners, but apparently that has fallen on deaf ears at OCWEN. When I purchased my home, I was conned into taking an interest only loan for five years. This loan product is for investors, but the mortgage broker sold me on the benefits and said I could always refinance my loan. When the economy started to crash and I lost my job, the reality of my situation hit home and I reached out to OCWEN for help. They have never performed a full review of my loan for retention options, even though I have tried to work with them for years. Instead of being fair and negotiating with me to create a modified loan that I could afford, they kept sending me these ridiculous streamline offers that are unaffordable. Further, they are not acting in good faith. When I finally believed that they were going to work with me on my loan, they gave me a date to resubmit for review that had already passed. I have never had a single point of contact and feel they are just snubbing their noses at the consent decree you gave to them years ago. I have a sale on my home scheduled on XX/XX/2019 and will lose my property if OCWEN can not be stopped. It turns out that the real estate company who is selling my home is also owned by the company who owns the loan! I believe this is illegal. OCWEN and the investor have no motivation to work with me because my home has equity and they will make money three different ways on the foreclosure sale. What a scam!
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased set of XXXX wheels for {$2000.00} from XXXX XXXX , XXXX. I received a set of XXXX XXXX XXXX. XXXX acknowledged the mistake. I had to file a dispute with my credit card company ( CITI ) for XXXX to eventually agree to take back the wheels in exchange for a {$2000.00} refund. I returned the wheels at CITI 's direction to resolve the credit dispute. The wheels were returned with XXXX   labels provided by XXXX, and were delivered on XX/XX/XXXX. ( XXXX tracking numbers XXXX ; XXXX ; XXXX ; and XXXX ). I have followed up multiple times with my credit card company ( CITI ) and XXXX, but now one year after this merchandise was returned, I have still not received a refund and the charge continues to incur interest on my account. CITI 's most recent correspondence indicates " We have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. We no longer have any additional recourse to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation remains closed. '' Attached is supporting documentation.