23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is in regards to Ocwen Loan Servicing LLC predatory billing and excessive charging practices. 


In XX/XX/2019 I requested a pay off demand and a reinstatement demand on my loan. I received a pay off demand with a balance of {$200000.00} that was good through XX/XX/2019. And a reinstatement demand that was good through the same date at {$19000.00} for the loan and {$1900.00} for other miscellaneous amounts. I immediately sent a cashiers check for the full amount owing and it was received before the good through date and confirmed as processed by Ocwen.

My next payment was not due until XX/XX/2019. So I attempted to make my payment today XX/XX/2019 and to my surprise there was a new charge to the account in the amount of {$1200.00} on top of my monthly payment.

I called Ocwen and asked what the charge was for, they said attorney fees that had just come in. I asked if these attorney fees were included in the pay off demand and reinstatement demand? There answer was no.

I asked for them to be removed and they refused. I then pointed out that if the loan had just been paid in full with the pay off demand provided good through XXXX/XXXX/19, then they would not be able to charge these fees. The answer was yes that's correct. The result of this action is predatory and Owcen is bulling me into paying extra because I reinstated the loan instead of paying it off. 


If Ocwen failed to get an accurate pay off when it was requested that is their error and negligence. Ocwen needs to be held accountable for their mistake and honor their pay off demands. Had this loan just been paid in full they would have no recourse since a pay off demand is deemed good. So why are they now charging my account more? This I feel is a standard practice of theirs and is predatory in nature.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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 XXXXXXXX XXXX XX/XX/year>
Product: Debt collection

Hello. On XX/XX/2020, I received a collection letter of a " past due amount on account that was placed with this office for payment. '' CBCS Company, a XXXX XXXX XXXX. 

I am being contacted for a debt that I do not owe. This is a consumer loan with XXXX. I was " coerced '' into being a Co-Signer on this account by XXXX XXXX. XXXX. It is an attempt to defraud me. Verbal promise made to me by Mr. XXXX to pay the loan. 

Attached is collection letter from CBCS. I have attached also most recent Consumer Loan Statement, from XXXX, for this account, that clearly shows Mr. XXXX 's name, and Not mine. 

Mr. XXXX has a mental issue ; has been stalking me, I have previously taken him to court to stop contacting me. I asked XXXX to remove my name from loan, and it was refused. 

I ask that XXXX make the arrangements to remove my name from the consumer loan. If needed I will seek additional assistance to accomplish this, including legal action. 

BE SURE TO SEE AND VERIFY THE LOAN NUMBER IS THE SAME AS THE " Creditor Account Number '' AS STATED ON THE CBCS LETTER, Dated XX/XX/2020. 

Thank you for any assistance from CFCB regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Checking or savings account

I opened my Checking account with Wells Fargo in 2012. I was told that Bank will authorize my checking account only if I open 2 additional bank accounts i.e. Money Market account ( Don't know till date what's the purpose of this account even today ) and Overdraft account to get one Checking account opened, as I did not have any bank in USA before. 
I was never given explanation about the accounts but these 2 additional accounts were forced on me. At the time I was new to USA and just migrated to US from XXXX. I didn't knew much about the Banking system and accounts in States at the time and my employer was asking me to get the checking account to send me salary. I was asked to sign the documents blindly and was told that I need to maintain minimum balance to all the unwanted accounts, which I never requested but forced.

Since then I am maintaining the accounts by cutting my spend somehow. Even thought of changing my bank account to some other bank, but the pain I got to open one bank account has taught me bitter lesson, which make me afraid to even try for another bank.
Product: Debt collection

I received a collection letter from American Medial Collection Agency for XXXX. Already explained that at the time of the service paid my percentage and the insurance covered the balance. They are still insisting for me to pay.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2800.00}
Product: Mortgage

We got Pre approved for a home loan in XXXX 2016. The first time my husband and step applied and was approved for a XXXX loan. We found a home within two weeks and started the process. Within the three months from XXXX to XXXX 2016 we had the most horrible experience with Cityworth mortgage. We could hardly get ahold of our lender, they caused issues with step father which made us restart the process using my name my mother and husband. After turning in all paper work that was requested our closing cost kept going up, the closing date kept getting pushed back, and we tried to reach someone over our lender but kept getting told he is the supervisor. Even our realtor had a terrible time with him. We have multiple emails with no response multiple calls with no answers or return calls. And a couple of days before closing our lender calls and backs out of the loan. We were in the process of selling our current home and had everything packed up ready to move with electric and gas ready to be turned on and home owners insurance which all had to be canceled. Every problem we encountered our lender should have been aware before hand and he never told us unless we continuously called him to finally get an answer. The company is anything but professional. They do not answer questions and make you think things are okay when you finally talk to them to find out that things are not okay two days before closing. We got behind on bills and everything from what cityworth put us through no one should have to work with a mortgage company that is so incompetent.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

During the XXXX  of 2021, I received credit report alerts, I became aware that a loan service called AFFIRM had two purchases attached to collections that occurred XX/XX/2021 and another XX/XX/2021 totaling {$830.00}. I contacted the company AFFIRM to get some information on why I was being sent these late payment notifications and I was told it was for two purchases. I contested any purchase and charges from AFFIRM that are not accurate. These charges have not been authorized by me and have not been proven to be received by me. I have no knowledge of this account and never had opened any loan nor signed up for AFFIRM. I requested more information about where these purchases came from and who has been verified to receive such goods or services from AFFIRM. I demanded proof of how AFFIRM verified accuracy and compliance for these purchases and information such as what was done with regards to investigating these purchases on their end. I am needing some information on how this investigation was performed and how a determination was verified. I have spoken with an XXXX Police detective and was told that this was a common occurrence of identity theft during pandemic period. If I attested the loan, I should be provided more information so they can also perform an investigation for me. I am also simply requesting a call so I can be explained what type of information I would have that could help, mostly how did I disperse the loan Affirm claims I used. I would like to file litigation against the false reporting by AFFIRM because I have not been given any documentation on how such information has been verified. I was told an investigation would be performed by AFFIM support and was not notified that this would be accessed to a collection agency and would like to resolve this as nothing has been done to rectify my claim of identity theft.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I have no knowledge of them, and the company did not seek my consent for them.Please eliminate these inquiries. I am unaware of them, and the company undertook them without my permission.Kindly delete these inquiries. They were conducted without my knowledge or consent by the company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Acima Credit trying to debit my checking account every week. I agreed on once a month. Plus as i understand i was getting XXXX XXXX credit card. Acima keep 's saying iam leasing, when i supposed to be Buying. So i am just going mail in Money order, and i understand if i pay my account infull by end of XX/XX/2019 iam not charge interest. But this company and XXXX XXXX   is ripping me and customers off, how do you lease Tire 's? What bring back after tires go Bald?
Product: Credit reporting

I have done a response but got nothing back now they blocked me from my account then I did a security freeze sent information they required then they wrote me back saying they would not accept the information I sent them but it was the information they requested I call the man dealing with my case file and he never calls me back ignores my phone messages Then when they blocked all calls letters all calls go to there security party about my account and now they refuse to give me anything on my report all because I would not take threats and bad language from there customer service, and no XXXX discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  account # xxxxxxxxxx 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
Product: Credit reporting or other personal consumer reports

XXXX FTC Identity theft report, XXXX XXXX XXXX was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to XXXX that this debt was valid and Im confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with XXXX XXXX XXXX bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. XXXX XXXX XXXX is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.
Product: Payday loan, title loan, or personal loan

I took a Payday Loan on XX/XX/XXXX from Advance America in XXXX CA. I received a letter from Advance America dated XX/XX/XXXX trying to collect. I made a payment in XX/XX/XXXX & XX/XX/XXXX. I started having some financial problems. I have not made a payment since.

As of XX/XX/XXXX I have been receiving phone calls from a company, XXXX XXXX, but they never said who they were collecting for until today, XX/XX/XXXX when I called them back. All they said was that my account was going to Litigation ( I believe they used that word ) & being sent to XXXX County courts ( XXXX, CA ). They told me the amount, which is over {$210.00} that I actually owe, but I did not write it down. I got angry & hung up on the person I was talking to because she accused me of totally ignoring any correspondence from Advance America or XXXX XXXX.

What do I do? How can I settle this problem? I am on a limited income, I am retired. I do not want them attacking my bank, although, my current checking account is NOT on file with Advance America anyway. Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with XXXX and Transunion getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There were fraudulent transactions on my debit card from XX/XX/XXXX to XX/XX/XXXX, totaling {$3700.00}. These charges were not made by me. On XX/XX/XXXX at XXXX XXXX, I received a call from someone claiming to be from Chase Bank, informing me of a fraudulent transaction and asking if I wanted a new card. The call lasted XXXX minutes ( XXXX PM - XXXX PM ). I verified the number afterward, and it was from a Chase branch in my area that I had never visited. 

During the call, without providing any personal information, I agreed to receive a new card. The caller then asked me to read a code from a message once I received it. At XXXX XXXX, I received the message and read the code to her. She then instructed me to type the code into a text box and send it. She verified my current address, which was correct, and I ended the call. ( Eventually, I did not receive any new card. ) Afterward, I went to XXXX to buy dog food, left XXXX around XXXX XXXX, and spent the rest of the day in XXXX XXXX. Subsequently, the fraudulent transactions occurred from XX/XX/XXXX to XX/XX/XXXX. The transaction dates are shown as XX/XX/XXXX and XX/XX/XXXX, but the withdrawal acitivities were happen on XX/XX/XXXX. Upon checking my savings account, I discovered up to XXXX and more fraudulent transactions, each for {$40.00}, {$60.00} or {$100.00}, totaling {$3700.00}. 

I filed claims on XX/XX/XXXX and was told I would be reimbursed within XXXX business days, but I haven't received any refund. I was informed that my claim was denied without my knowledge, which concerns me. I requested a re-evaluation and a prompt refund later, but Chase refused to do so and asked me for documents, which is very ambiguous.
Product: Credit card or prepaid card

XXXX charged me {$390.00} on a Bank of America credit card for a service I did not want to renew from 3 years ago and did not authorize. When I complained about it, they refunded {$380.00}, which leaves a {$11.00} charge. 

If I could freeze my credit card, I would have done that years ago. I'm astounded BoA allowed this charge to go through. 

I closed my complaint with Bank of America when XXXX agreed to refund me, but I haven't been able to reach out after realizing they are not refunding me the full amount.
Product: Mortgage

Our mortgage holder, New Rez, and their servicing arm Shellpoint Mortgage, have failed to pay our property tax bill on time. We are very close to having our lack of payment be included in public record and I am very concerned. Their lack of response, and inability to reach anyone live that is capable Of giving me sufficient feedback is extremely troubling. Their also failed to pay my homeowners insurance on time, but luckily that department handled my matter within two weeks of me notifying them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX  I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )