23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company Name : Dovenmuehle Mortgage , Inc . 
Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX Dear Sir, Greetings.

The above Mortgage Company purchased our loan listed above from XXXX XXXX XXXX in / about XX/XX/XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

On/ about XX/XX/XXXX, Dovenmuehle Mortgage Inc XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid if full, paid in advance!!! 

On/ about XX/XX/XXXX we sent TWO checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks. Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX & XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note, which indicates clearly XXXX Late Fees will be assessed at any time, late payment or otherwise. 

They Failed and Continued to Fail in providing the Mortgage Note, they also failed and continued to fail in Correcting the Mortgage Statement accordingly. 

We received three statements so far, reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement.
Product: Student loan

My servicer changed from XXXX to Mohela early this year. They were supposed to have everything transferred over. I need proof of payment going back further than the transfer date. I need this for tax purposes. If I don't get it, I will have to pay back a significant sum for the tax credit I received. I've made all payments on time, even during the COVID deferment period. The statements prior to the transfer date are not made available online, so I called Mohela to request them, as it says we can do. XXXX XXXX also told me I had to call Mohela for those statements. The representative told me they would be mailed to me within 30 days. That was three months ago. I have received nothing. I don't know what to do about it.
Product: Debt collection

Keep getting calls from the company XXXX XXXX XXXX ( XXXX ). Spoke to them at least twice, the last time being yesterday on XX/XX/2018. Told them that the person they are trying to collect a debt from is not at my location or number. They informed me that they would remove my home telephone number ( XXXX ) XXXX from their calling list. As of this date, they have failed to do so and are repeatedly calling my home at least 3-5 times per week. I would appreciate anything that you can do to stop these harassing phone calls.
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 XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of this account listed IMMEDIATELY! 
XXXX XXXX {$33000.00}
Product: Money transfer, virtual currency, or money service

Coinbase is not allowing me access to my account. I have filed an online complaint on the company website trying to reach customer service but have been unsuccessful for XXXX years.
Product: Credit card

Please contact me Brooks Brothers fraudulently let someone get a credit card in my name and allowed the limit to get overdrawn and to become derogatory/delinquent. Please let me know what can be done as I have made a telephone complaint to you all ( C.F.P.B. ) and have called Brooks Brothers and Citibank, who is the creditor for Brooks Brothers ( both ) to rectify this issue. It is affecting my lending opportunities, credit, and my current interest rates. Please help me as soon as possible. Below is my credit history ( according XXXX who switched to XXXX ) since XXXX of this year. 

Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Delinquent Account XXXX/XXXX/16 XXXX XXXX A lender reported that you did not pay them on time, and the account is now XXXX, XXXX, or XXXX ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Inquiry XXXX/XXXX/16 XXXX A potential creditor or employer reported that they pulled a copy of your credit file beca ... 
Fraud Alert XXXX/XXXX/16 XXXX The bureau reported that you placed a fraud alert on your own credit report so that lender ... 
New Account XXXX/XXXX/16 XXXX XXXX A lender reported that a new account opened in your name New Inquiry XXXX/XXXX/16 CITICARDS-BROOKS BROTHER A potential creditor or employer reported that they pulled a copy of your credit file beca ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been having a problem with equifax where they will not update my credit score at all! Ive called them many times, I am also unable to login to their website. Ive even faxed and mailed my information, including social security number, billing address, 3 forms of government ID, utility bills, everything and they dont even try to help me. I have 4 different accounts that should have been removed because Ive filled disputes with and the results ended up with them removing the accounts from my credit reports expect for equifax. They also arent reporting my new credit cards either. I will provide screen shots of the accounts that need to be removed and proof that theyre removed from my other accounts.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

LATE PAYMENT XX/XX/year> XXXX LATE PAYMENT COMPANY ( XXXX XXXX ) 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 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.

15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfers

XXXX/XXXX/16 I received a western union transfer from XXXX XXXX NV and tried to transfer the cash to the XXXX prepaid card I had for this type of transaction. I received a notification that the money had been credited to the card but XXXX seconds later western union voided it off the card. I have spent the last 3 weeks trying to get someone from either company to help me. Both companies blame the other. XXXX says they received the money but western union voided it and western union says they sent the money to the card. But I have still no access to it. I have all copies of transaction and even the Representatives from each company claim they can see the issue on the computer system but have to escalate the issue to a higher department each time promising me a call back with in 24-48 hours and I call back 3 days later only to have to start all over and nothing has been escalated at all. I have spent hours calling each corporation and being transferred and told at the end they ca n't help me until it is sent to a mysterious department that I can not speak to directly. The way they have the system set up both companies have to be on a conference call both looking at there seperate screens to see that the money is lost in cyperland. So to be clear I was wired XXXX to western union and when I tried to transfer the money to my wunetspend card it was credited and than voided within XXXX seconds by western union. And since it sells itself as one company it is really 2 companies with different systems and service reps and instead of getting to the bottom of the problem I have been told ot was the other companies fault not theres and I need to contact the other company. But when I do get someone to conference call the other company I am told that they can see i have not received the funds because of some glitch in the system but still can not resolve the issue without contacting another department that I can not talk to nor when I call back that it has been sent to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS STILL ALLOWING FRAUDULENT INFORMATION TO SHOW ON MY CREDIT REPORT
Product: Debt collection

XXXX XXXX XXXX has XXXX collection agency attempting to collect on the same debt. No one has provided me with proof of debt.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This is a follow up to complaint XXXX and I would like to submit additional documentation I did not have at the time of the original complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$8900.00} ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My cell phone is registered on the do not call list. I received a call from someone who asked for a relative. I told him he was calling a cell phone and it was not the number of the relative. He told me my number was listed as an alternate contact number, which it is not. He asked if I could get in contact with the relative and I told him I have no communication with the relative and hung up. He did not identify himself or his company name. However, I looked up the phone number on the Internet to find out what the call may have been about.
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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX 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, credit repair services, or other personal consumer reports

I have never lived at the address reported on my Equifax report XXXX XXXX XXXX XXXX, XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Product: Mortgage

In XXXX we did a loan modification. As part of the modification there was a {$70000.00} deferred amount included in the loan. In XXXX we did another loan modifications. Both loans at that time were with XXXX XXXX XXXXXXXX. On the 2nd modification, the XXXX, XXXX deferred amount was reduced to {$56000.00} and the interest bearing part of the loan was increased and 8 years was added to the length of the mortgage. That modification was finalized in XXXX of XXXX. In XXXX of XXXX, XXXX XXXX XXXXXXXX sold our mortgage to Shellpoint Mortgage servicing. The terms of the mortgage were to stay the same. {$56000.00} deferred with an interest bearing amount of $ {$200000.00} with a total balance of {$260000.00}. Shellpoint has misapplied that mortgage and instead of showing the new balance in the deferred part as {$56000.00} they have decided to add in the {$70000.00} deferred amount from the first modification to the loan. The looked at the Clarity Commitment and completely misinterpreted it, Instead of understanding that the clarity statement was explaining what factors and figures used to arrive at the new figures. They decided that it meant they need to add those figures to the new modification. So, we are now showing our new total balance as over {$330000.00} which is more than we have ever owned on the home. We have had several long conversations with both Shellpoint and XXXX  XXXX XXXX and XXXX  XXXX XXXX has confirmed that Shellpoint is incorrect. But Shellpoint has taken the stance that we have to " prove it '' even though they have the Fannie Mae paperwork right in front of them. We have asked Bank XXXX XXXX to put something in writing for us but it has been weeks and we seem to be getting the run around at every turn. Our frustration is rising as every time we call either bank we are on hold for hours on end and have to start from the beginning every phone call. We are unable to get a resolution as the why {$70000.00} of our money is being held XXXX!
Product: Debt collection

Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute for reinvestigation for : XXXX XXXX XXXX 
This account is unverified and is incomplete and inaccurate. 

Experian failed to verify and validate the accuracy of the account, failed to submit proof of methods of verification within 30 days, and failed to notate the account as under dispute. 

This unverified account is reported on my Experian Credit Report in violation of : U.S Code 1681i -Procedure in case of disputed accuracy " any information that can not be verified. The consumer reporting agency shall promptly delete that information from the consumer file. 

Experian failed to uphold its duty to provide notice of dispute in violation of U.S Code 1681-2 ( 3 ) - Failed to notate the account as in dispute. 

I demand Experian delete the account immediately or I will seek to sue under 15 USC 1681n -for willful Noncompliance and negligence
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. 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 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 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. 

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Debt collection

I had a bank account with Wells Fargo for years. Recently I was a victim of identity theft at not only Wells Fargo but a few other banks. A fake check written to a completely different person was deposited into my account and then withdrawn, after the check bounced it left my account negative and apparently left me on the hook to pay for it? Im not sure how else to go about this Ive written numerous complaints to try and fix this issue. Not sure what to do at this point..