23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of 2021 Dovenmuele acquired my loan from XXXX. My mortgage was acquired while I was actively a part of a COVID-19 forbearance plan ( under the CARES Act ) in which allowed a temporary suspension of my mortgage payment by way of forbearance. 
During this forbearance period, the financial institution can not charge fees, penalties or interest beyond the regular monthly mortgage payment. 
Dovenmuehle has breached my deferral agreement, in which the bank agreed to bring my mortgage current and delay any repayment obligation for missed monthly mortgage payments without my accruing any interest or penalties. I would not be responsible for any past due amounts until the earlier of the maturity date of the mortgage, sale of the mortgaged property, or the payoff or the refinance of the mortgage loan.

Dovenmuele has breached the agreement by adding the total past due payments to the outstanding principal balance on the loan, effectively double- charging and improperly increasing the amount of my mortgage.

There are violations to truth-in- lending, consumer protection act, and to RESPA.

Dovenmuehle has misrepresented the application of the deferred payments as I've requested numerous times for an explanation for the substantial increase to my mortgage. I've requested an explanantion for the " new '' principal in which inflated my loan from {$100000.00} to nearly {$120000.00}. The forbearance plan was intended to help homeowners and yet I feel deceived. Dovenmuehle offered only a modification in which put me further in debt to Dovenmuehle and only offered reprieve for approximately one year. There representatives are rude, have no regard and have no explanation for the " new '' principal.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$25000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Checking or savings account

I opened a Chime bank account on XX/XX/24 to place a 401k loan into the account to pay for XXXX. Once I set up the transfer from my XXXX XXXX bank chime locked my account and stated they required further documentation, which I have supplied them. My account is still locked and I am unable to access my account to close and cancel the account. They also continued to take money from my XXXX XXXX account after locking the account and therefore overdrafts my XXXX XXXX account. I am still unable to have the account closed or unlocked. The documentation requested is completely unnecessary as I have submitted the required info. Chime bank refuses to provide me the instructions to close account and only continues to write that there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX on XX/XX/year>, XX/XX/year> and XX/XX/year> that a credit report inquiry was requested from the following companies : XXXX XXXX, XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX, XXXX - XX/XX/year> Capital One - XX/XX/year> XXXX - XX/XX/year> I have called all places to notify them to cancel all ongoing applications in my name. I have frozen all XXXX  credit bureaus and actively disputing these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, and XXXX XXXX # : XXXX, have 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.
Product: Credit card or prepaid card

I have two credit cards with Bank of America. I made two payoffs on Monday XX/XX/XXXX which usually post the next business day. I went online to ensure those payments hit my bank account I did not see the payments post. I called Bank of America Credit Card customer service and said I do not see these payments posting and they told me they do not see these payments being scheduled on either account. I asked the rep on Tuesday the XX/XX/XXXX are you sure and he assured me no pending payments were completed and said it may have not gone through. He suggested I make the payments again. Today I come into work and check my account to see if those payments were posted and they posted not only the two they said they did not see, but the ones I paid yesterday. I am now overdrawn and my mortgage and car payments etc are in jeopardy of being returned. I called XXXX XXXX XXXX at XXXX and he said they can not do anything and the earliest I they could credit me is three days. I called back and asked to speak to a manager they said it would take 5 days and said they could only give me refunds for all my trouble if my checking account is with BofA which it is not. I asked to get a address or phone for complaints to the office of the president and he said they do not give that information and I need to go look online. The floor manager never came on the line but relayed the information through the rep which was very humiliating. I am out almost 6k and they see the large credits on my credit card account but refuse to make me whole.
Product: Mortgage

Wells Fargo has charged me for attorney fees and filing fees due to being late on my mortgage, however there was no need for an attorney. Wells Fargo says that they paid attorney fees in the amount of {$2000.00} and I have requested an explanation and proof that of these charges. After approximately 4 months from the initial request for more information, I was sent a letter stating they reviewed the information and the charges are correct. They did not provided receipts to show that anything was filed against me as they claimed in XXXX Parish ; etc. They will not take the charges off of my account. 

First let me explain a little history. I became delinquent on my mortgage because of a reduction of hours at work. I contacted Wells Fargo in XX/XX/XXXX. Supposedly the " foreclosure process '' had begun however I paid the account in full on XX/XX/XXXX to XXXX XXXX XXXX ( attorney ) including the proposed attorney fees. Wells Fargo would not receive my payment and I had to pay the attorney directly since they had my file. My mortgage statement the following month stated my account has been reinstated. I was even credited for attorney fees that were paid but not used. See attached supporting document PDF XX/XX/XXXX. 

Unfortunately I found myself in the same predicament a year later in XX/XX/XXXX. I was again behind and I called to see what was the exact amount I owed to catch up and I spoke with a representative who told me my account had not yet been sent to collection and she gave me an EXACT amount to pay to get the loan current. I told her the exact date I would be sending the payment, she noted the account and said to call the day I send the payment to be sure the quote was correct. I did call and confirm the amount to send and sent them a Certified Check from my bank account for the amount that was required. There was never a mention of attorney fees or any additional fees to be charged to my account. The amount I was sending would bring my account current. 

In the past, when the account is sent to the attorney, XXXX XXXX ( the attorney ) will send a letter and you MUST pay the attorney directly. You can not submit the payment to Wells Fargo. I paid Wells Fargo directly in XX/XX/XXXX. My XX/XX/XXXX mortgage statement has this printed " AS OF THE DATE OF THIS STATEMENT, WELLS FARGO HAS NOT MADE THE FIRST NOTICE OR FILING REQUIRED BY APPLICABLE LAW FOR THE FOR THE FORECLOSURE PROCESS. '' The account was paid in full on XX/XX/XXXX. The attorney fees do not show up until the XX/XX/XXXX statement and no one can tell me exactly what these charges are for and show proof of payment. Please see PDF supporting documents XX/XX/XXXX and XX/XX/XXXX respectively. 

I have checked XXXX Parish Courthouse records and no filings have been initiated or recalled against me since XX/XX/XXXX. 

There was not any contact with an attorney regarding the delinquency in XX/XX/XXXX. Therefore, how can I be charged for services?
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

I was going over my credit report and noticed inquiries that I did not authorized.
Product: Checking or savings account

Hey my money was stolen off my providers card due to somebody having my card information mind you it was my SSI check that was stolen almost {$850.00} was stolen from me they telling me I cant get my account number when Im trying to get it just so I can tell social security administration the right stuff they asking for my account number and I dont know it to change it I tell them do a claim they did it wrong then tried to deny me and close my account I keep calling in asking can I get my account number can I speak to a supervisor and they bounce me around then tell me they cant tell me anything about my account and why they closed it I need my money back ASAP or my account opened back up ASAP
Product: Credit reporting or other personal consumer reports

Columbia debt recovery LLC dba Did not reach out to me before sharing my information with credit bureaus. Violating Law 15 US Code 1681s-3 Companies must clearly and conspicuously disclose that they are trying to share information. Consumers must be given the opportunity and a simple method to prohibit the sharing of their information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Issue # XXXX : In XX/XX/year>, I called Citibank to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/year> I received two Confirmation Repayment Plan letters from Citibank for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : CitiCard Ending in XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX CitiCard Ending in XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX Citibank is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : Citibank does not allow customers to set up RECURRING monthly payments via phone OR online. Citibank 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a Recurring Payment ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow Citibank to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the summer of XXXX  and I was not able to get groceries for the children for 1 week because I had not agreed to make a double payment for both cards and when I called Citibank then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments Citibank will be happy to collect late fees.
Product: Mortgage

Well Fargo is charging me {$2900.00} for insurance that lapsed due to the ineptness of Florida XXXXXXXX XXXX  I was able to get insurance, but can not back date the insurance. This charge is exorbitant for three months of insurance and the house is now covered. To get insurance here is not an overnight process in XXXXXXXX XXXX. We needed to have Wind Mitigation Assessments and all. 
Another situation is I'm paying insurance to cover a structure valued at XXXX XXXX when the land value alone is worth XXXX XXXX  and my outstanding mortgage is $ XXXX 
I am overpaying for insurance and made to pay insurance on a property where land alone the bank can recover more than we owe if we decide to walk.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX {$840.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

I have contacted this debt collector The XXXX XXXX and spoke to them that I'm making payments online to their site online, I told them I will be making a payment of whatever I can afford at this. Time. 

I have called them back several times telling them to Stop sending me letters in the mail Concerning the amount I owe, and I told them I'm making the payments online and they know because I have email reciepts from the payments. And yet they still continue harassing me with letters about amount due. I'm very sick with XXXX and othe serious health issues. I told them send emails only. And I told them to stop texting me at my XXXX XXXX cell phone and they still continuing doing this They need to stop contacting me by m # ail and phone Now. this is hassment the account # XXXX And PLEASE for you getting back with me ONLY Send emails no letters in mail concerning this complaint. XXXX XXXX
Product: Mortgage

I began the modification process back in fall of XX/XX/XXXX and due to continue incompetence and loosing documents I sent wasn't approved for modification until XXXX of XXXX. I was told I couldn't make payments during the process and fees kept accruing and as of yesterday got served a lawsuit to foreclose on the loan. This loan was my late mother 's and the property inherited after her demise. It's been my intent the past XXXX months to get the funds to payoff the loan. It's been very stressful dealing with this lender and now they have blindsided me with this lawsuit after telling me it wasn't in that status is disheartening.
Product: Bank account or service

I attempted to send monies to my nephew for XXXX on XX/XX/XXXX for {$500.00}. the monies never reached the account I sent it to and I never got the monies back into my account. I have attempted on numerous occasions to contact their wire transfer department and got no resolution for my complaint. Wells Fargo never informed me that there was an issue and that monies was never received. I have gone into the bank now since XX/XX/XXXX and have not gotten an answer as to where the funds are and why they have not been replaced back into my account. I have met with a bank manager who is not getting the correct answers to my questions nor has he been able to find out how I can get the funds returned to me. It is now XX/XX/XXXX, I returned to the bank today and have not recieved the funds into my account nor have I gotten any action as to Wells Fargo 's attempt to return the funds. Every time I go in and speak with someone in the bank they make a phone care to XXXX and nothing gets done. Funds are still missing from my account
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX XXXX reporting an alleged debt to my credit report which lists XXXX XXXX XXXX as the original creditor. I am asking for debt validation of this alleged debt. I don't recall having a balance due, nor do I recall receiving correspondence informing me that this alleged debt was being sold to a 3rd party. Furthermore, I did not authorize the reporting of an alleged debt that was not validated. I am requesting that this account is removed due to permissible purposes and that the required documents are sent through CFPB. I am not interested in any correspondence via mail. This account is to be removed while this investigation is ongoing.