23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dovenmuehle Mortgage is delaying the PMI removal process without any justification. I have contacted the company agents a number of times over the phone since XX/XX/XXXX and agents have repeatedly mentioned that I would receive a letter in the mail but I have yet to receive it. Today, on XX/XX/, I have contacted them again and the agent ( XXXX, ID # XXXX  ) mentioned that Dovenmuehle Mortgage had an internal error, he will put in a new request and I need to wait again for another 10 business days the letter to be processed. Why should the customer keep waiting for Dovenmuehle Mortgage 's internal error? Dovenmuehle Mortgage must expedite the process, send the letter and initiate the PMI process right away without any further delays as I meet the criteria for removal. Each single day of delay by Dovenmuehle Mortgage is leading to the financial implication to me as I am incurring PMI cost unjustly.
Product: Mortgage

On XX/XX/XXXX we took out a loan # XXXX with GMAC mortgage for {$300000.00}. On XX/XX/XXXX with did a refinance with GMAC Mortgage loan # XXXX. On the enclosed HUD statement a payment of # XXXX was made to " Internal Payoff to GMAC Mortgage ''. However per letter dated XX/XX/XXXX when they did the lien search it had not been placed on the property therefore they did not execute a release of Lien. However after that a lien was placed on the first loan that had already been paid off. The was recorder on XXXX XXXX page XXXX for the amount of {$300000.00}. This should have never been put on since it was paid off on XX/XX/XXXX as stated in the letter from GMAC. 
We are trying to get a loan and are unable to since the lien is still on our property. Since GMAC mortgage no longer exists I tried calling XXXX. They would not help me and gave me Ocwen contact. I called Ocwen and they also would not help me as they only have information on the Active loans. 
In addition the title company that serviced the refinance is no longer in business. We need help on who has the GMAC documents and can help provide us the release of lien that was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint XXXX, XXXX, and XXXX & I am including these again. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Some of my transactions were not reflected in to my account for some reason as pending. Even though I made a deposit to cover them and they charge me with the transaction without reflecting on this accounts. And it happened twice. They charged an overdraft for {$36.00} times XXXX.
Product: Credit reporting, credit repair services, 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 names : 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.
Product: Credit card or prepaid card

I got an email from XXXX  that COMENITYBANK/WAYFAIRCARD did a hard inquiry. I called the bank immediately and found out a card had been opened in my name without my authorization. I immediately asked them to close the account and delete the inquiry. A few days later I get a notification from XXXX  that a new card was opened in my name from them and also closed the same day. I have called Comenity/Wayfair to attempt to rectify the situation and remove all inquiries from all 3 bureaus and remove the account that was opened and closed on the same day from my credit report. This now is temporarily affecting the length of my credit age.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are reporting an account on my credit report as a delinquent negative account. I settled the account in full and this account should completely be removed from my credit file or reflect " settled in full. The forementioned reporting agencies are reporting this debt as charged off debt when the debt has been settled in full.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX used vehicle for {$15000.00} from XXXX XXXX XXXX it was transferred to Finbe USA I made my payment on time, never missed a payment from XX/XX/XXXX to XX/XX/XXXX of {$540.00} which included {$6000.00} cashier check that wasn't apply to total payment. XXXX XXXX contact me XX/XX/XXXX XXXX XXXX from XXXX Texas phone number XXXX or XXXX threatening calls and demand a payment of {$590.00} which I pay {$300.00} instead also he threatened to come to me house because of 6 days late without no grace period. I never missed any payments but I don't see any of balance not going down this company apply the incorrect total of {$13000.00} balance to account instead of {$4400.00}. I made a Total of 38 payment to account which {$6000.00} wasn't apply to the number of payment please review or investigation with this company or I will proceed on court or lawsuit against company. Also I will presume a lawyer to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX  has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened.
Product: Mortgage

This is the 3rd complaint. Mr. Cooper is placing the burden on the me to prove they were justified to charge me PMI. It should NOT be my burden. They should NEVER have charged me PMI in the first place. Please help me. On XX/XX/2020, I did write the email but that was ONLY after I'd called and requested the PMI be removed. I received the email from a phone call I made - otherwise I would not have been able to email anyone. The person I spoke to previously from Mr. Cooper gave me the email address! I am requesting Mr. Cooper reimburse me every XXXX of the money taken from me for PMI - pull phone records if needed. Also, I have another loan with Mr. Cooper with much less equity in the same zip code and Mr. Cooper has NOT charged PMI on that home. It makes no sense they would charge PMI on a home for which I have over 75 % equity. Please reimburse me immediately for {$700.00} ( XX/XX/XXXX-XX/XX/XXXX ) plus {$28.00} per year interest. {$790.00}. Thank you XXXX XXXX XXXX ( XXXX )
Product: Checking or savings account

The below complaint was submitted to CFPB against Wells Fargo prior, the Wells Fargo rep issued a reply which addressed a different complaint regarding a debit card dispute in the amount of {$290.00} from XXXX... I can assure the CFPB the below complaint has nothing at all to do with the dispute which is unresolved.. Please see below complaint.. 

According to rep with XXXXXXXX XXXX  in bank security dept by the name of XXXX, an amount of {$140.00} was sent to Wells Fargo along with another amount of {$690.00} as part of a fraud claim. The claim concerns a remediation payment in the amount of {$690.00}, compensation for unauthorized accounts opened by Wells Fargo reps... I spoke with XXXX on XX/XX/20, was advised of the above, unable to obtain check numbers for payments or reason amount of {$140.00} sent to Wells Fargo and not myself. There is a current CFPB complaint against Wells Fargo regarding the payment amount of {$690.00}, which is being handled by a XXXX in corporate office, unable to reach her by phone, I am providing information regarding additional payment amount of {$140.00} here. It appears both payments sent directly to Wells Fargo and not to a specific account, which was mentioned in prior CFPB complaint and attempted to advise XXXX of today, unable to do so. I've attached XXXX XXXX  letter here showing amount of {$690.00} sent to Wells Fargo, letter dated XXXX. I do not have letter showing amount of {$140.00} sent to Wells Fargo as of yet, however, I believe bank security can do a conference call with Wells Fargo to confirm. Complaints marked as duplicate will be resubmitted to other agencies, request investigated by CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my letters to the bureaus. I told them to investigate every piece of information on the accounts i have listed which are XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX OPENED XXXX XXXX. 

According to the FRCA the term investigative consumer report means a consumer report or portion therof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX I got ready for work. XXXX I check my US Bank account it has XXXX dollars in it, thats fine Im waiting to get paid around XXXX so my insurance can get taken out with no problem, XXXX I check account, XXXX thats fine Im about to get paid its gon na even out here in 10-15 minutes. I work till lunch and I check my account and they took 4 overdraft fees of XXXX dollars each, thats {$140.00} total for the 15 minutes it was negative. Ive called them multiple times and they only refunded me back one overdraft for XXXX dollars. They took the rest of my money, I had just paid insurance and they left me with XXXX so I had to get a loan of XXXX dollars from the XXXX app jus so I wouldnt get anymore overdraft fees and I pulled my stocks just to be safe n have money in my account. None of these went into action until the 17th so for them to take my money and not give it back makes no sense I would understand if I was days late but it was 15-30 minutes I dont understand. And when I look at my account it doesnt even say it was negative, I had made sure everything even out and I never over-drafted, I had deposited money into XXXX and I made sure I didnt overdraft and thats how was left with the XXXX dollars. I knew I was getting paid and and was like okay its all on the same day itll cancel each other out no problem then my account will be up again but that didnt happen. Just doesnt make sense
Product: Debt collection

XXXX  XXXX of XXXX, CA collected - through garnishment- an old student loan account for XXXX . 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from XXXX once I contacted XXXX   about the matter. 
XXXX  XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with XXXX. 


2 ) XXXX XXXX over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with XXXX and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX  XXXX   ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX  has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to XXXX, but the monies were sent to them directly and they have never recorded it so that XXXX can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
Product: Mortgage

OUR MORTGAGE WAS PURCHASED OVER A YEAR AGO FROM XXXX. WE HAVE HAD NOTHING BUT PROBLEMS EVER SINCE. WE SEND LETTERS TO THE NEW SERVICING AGENT, GET CONLICTING ANWERS TO EVERY QUERY AND IT GOES ON AND ON. FIRST THEY CLAIM WE HAD NO HOMEOWNER 'S INSURANCE - SENT THEM PROOF AGAIN AND AGAIN. THEN THEY CLAIM THEY HAD TO PAY OUR TAXES AND NOW ARE TRYING TO CHARGE US MORE AND MORE EACH MONTH AS A MONTHLY MORTGAGE EXPENSE. IN ADDITION TO THIS FRAUDULENT INCREASE THEY ADD FINES AND FINES EVERY MONTH STATING WE ARE SHORT EACH MONTH. WE ALWAYS HAD AN ESCROW ACCOUNT WITH XXXX - WHERE DID THAT MONEY GO? I HAVE ASKED FOR PROOF FROM THE CURRENT LOAN SERVICER TO SEE WHAT ACTUALLY TRANSPIRED WITH THIS " ACQUISITION ''. PERHAPS THEIR AQUISITION DEPT. KNOWS NOT WHAT THEY DO? THEY NEVER RESPOND TO OUR QUESTIONS, HAVE CREATED SOME INSANE " NEGATIVE ESCROW SHORTAGE '' AND WE ARE SICK OF TRYING TO DEAL WITH THEM.
Product: Credit card

I had a XXXX XXXX promotional balance transfer thats coming due on XX/XX/XXXX on my chase Freedom XXXX. I was offered a loan for XXXX XXXX with payments through XXXX. I made a large payment to wipe out the promotional balance before it ended but they applied it all to the loan. I called and asked them to adjust it but they apply anything over the minimum payment to whatever has the highest interest at the time. I dont think they should offer loans on cards that have promotional balances then because it essentially precluded me from paying off that balance and now the rate will be over XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

And this is why This dispute comment takes the account out of being factored into the credit score, so if an account with a negative history gets its dispute remark removed, then the credit score may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on Equifax and XXXX  I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX