23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FRAUD, WIRE TRANSFER FRAUD, IDENTITY THEFT Three Mortgage Companies involved that I know of XXXX ) Homecomings XXXX ) XXXX XXXX ) Ocwen Obtained Mortgage, Secured Deed and Note XXXX XXXX XXXX. Signed all documents on that day in the state of New Jersey. About XXXX XXXX I requested loan payoff documents. About XXXX XXXX  I requested a copy of the original note and deed from PHH Mtg Services , representing Ocwen Mortgage. 

When the documents came, I noticed several things : XXXX ) where we signed as the borrower two company representatives also signed as the borrowers from XXXX XXXX. When question I was told they were lenders not borrowers which is false. They borrowed from our XXXX XXXX XXXX XXXX Account and sold our security without our knowledge or authorization to a third party XXXX ) an additional document was attached to the Promissory Note called " XXXX. '' On one set of the documents returned to me was the Allonge with a FRADULENT, ALTERED SIGNATURE OF OURS attached to it. This document gives permission for our security interest to be sold without our knowledge or consent. It is used to induce lenders to buy securities. 

XXXX ) the affidavit of non-judicial foreclosure appears to be signed by us in the presence of the Sellers Closing Attorney and a XXXX XXXXXXXX We were never in the state of Georgia for the closing. We were in New Jersey and anything notarized was thru our attorney only. 

XXXX ) In the early years of the loan, when XXXX XXXX payments were made they were always doubled. On XXXX 's XXXX XXXX XXXX the fee that XXXX XXXX would add onto the payment. However that fee would always be doubled. When I complained to the lender, they said I had to take it up with XXXX XXXX, when I complained to XXXX XXXX they stated the fee was the fee the Lender charged. One fee went to XXXX XXXX and an ADDITIONAL fee for the SAME amount went back to the XXXX. I was unable to get anywhere with this constant DOUBLE DIPPING into charges and couldn't find a lawyer to investigate for a class action. The double dipping practice may still continue. 

My payments have not been late in several years. During the period of loan modification when the lender said payments did not have to be made until the modification went thru, they reported my payments as late to the credit bureau and refused to remove it. 

Due to this dispute fraud, identity theft, overpayments and full accounting, I have intentionally withheld the payments until it is resolved. The lenders notice says, when there is a " qualified written request '' regarding payment disputes, no payments would be due until it is resolved. However, I am getting letters of Default, phone calls for payments and late notices on my Credit Reports. 

I am requesting that they do a full accounting, remove any and all negative transaction history from their files and my Credit Report so this matter can be resolved.
Product: Credit reporting or other personal consumer reports

I've repeatedly disputed a debt on my report that started with an apartment community fraudulently adding thousands illegally. I never received any communication until it was put on my credit report two months after I moved out. Every time it's sold from debt collector to another one it goes up XXXX to XXXX and never having seen any breakdown of those charges. The judgement was for XXXX of back rent not XXXX dollars!! XXXX not any of them credit reporting agencies are investigating properly. They have not seen original paperwork at all. I'm going to sue them my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, has a loan on my credit report. XXXX XXXX, does not tell me how much I owe, where i owe this money from, or who has now purchased this debt so that I can contact them and pay it. 

Theyre predatory.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor
Product: Mortgage

I provided my mortgage company with a fully paid one year home owner 's policy. There was no bill sent to the mortgage comapny, only a copy of the policy showing it was already paid in full for the up and coming year. Bank of America " system '' does not recognize if an insurnace policy is already paid and if someone has an escrow account it automatically sends out a check for the full year. This should not be allowed. I paid the policy in full in order not to have a negative escrow account balance and have my payment increase. By not having an actual person look at the new policy and automatically sending out " My '' monies in " My '' escrow account they are mis appropriating funds and most importantly wasting my time as they state the only remedy is for me to chase the money by calling the insurnace company asking for a refund. I believe this violates RESPA as it relates to handling my funds that are in my escrow account held with the mortgage company. I believe RESPA requires them to only pay bills that are due and not just make payments without confirming the amount or having an actual bill which in this case I am certain they did not get a bill because I am the one who sent it to them and no bill was sent. No verbal requests. They simply let their computer system make a payment automatically causing my account to go negative and now I will have a higher monthly mortgage payment due to their error when they re assess my escrow account.
Product: Mortgage

My mortgage is currently being serviced by Ocwen and we have been trying to modify our mortgage with them for XXXX plus days now. The reason for the modification request is that our Ocwen loan was previously an interest only arm and was reset to a 20 year amortization starting on XXXX XXXX XXXX. My mortgage payment went from {$880.00} to $ XXXX+ dollars ...., just based on the amortization rescheduling. This has put a tremendous financial hardship on my family which we are trying to work through .... ( currently working XXXX jobs to cover the extra monthly payment ) We were notified in late XX/XX/XXXX on the change and by XXXX XXXX had submitted and application for modification. From that time on, it has been a weekly struggle regarding new items that are being ask for and/or items that are sent in, supposedly cleared ( confirmed by " relationship mgr '' ) then asked for a few weeks later as if nothing was ever reviewed. Multiple requests with multiple customer service individuals to escalate to a manager or someone to help explain goes ignored and put in " comment '' screens with no return calls for 3 months ... only being allowed to speak to the " relationship manager. '' Having bad service is one thing, but the incompetence of this is so bad it, ... it almost feels like there is a strategy behind this process. ( I have been sending in information to them since XXXX XXXX XXXX, XXXX or XXXX complete list of items have been sent in ) I have also been told that this reconditioning of items is just the beginning and my loan file has not even been sent to an underwriter for full approval which is baffling to me since a property valuation was done XX/XX/XXXX or XX/XX/XXXX ... Financials, disclosures and all sorts of letters of explanation have been submitted for 2 months .... ( We also get confusing information requests in the mail asking for things from 2 months ago that our relationship mgr tells us to ignore since we have already submitted it .... ) We are not asking for any special treatment, just wanting our mortgage servicer to be anything but atrocious at this point. Our mortgage history has been perfect for almost 10 years, even through some pretty rough personal issues. ( One being that we got the first modification in XX/XX/XXXX and had to basically rebuild our house during the XXXX XXXX XXXX. ) We are extremely frustrated with Ocwen 's ability to work through this on their own and feel " trapped '' with limited options based on how Ocwen has treated us so far. 
sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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/year>
Product: Checking or savings account

I received a check from a person for XXXX check was written on XXXXfrom XXXX XXXX. I deposited the said check on XX/XX/23 to JP Morgan Chase, and The check cleared. A couple of days later I tried to us my debit card and it was denied. I checked my account on my phone and they put a hold on the said check, but it cleared and was available. So I called the service number and was told that the needed to verify the writer. So I called the writer and they checked their bank and the writer said it had cleared, they took the money. So i called again. Now they tell me it is my responsibility to furnish a phone number. This has gone on for XXXX weeks now and multiple calls. They even wanted the writer to got to a branch to verify they wrote the check. They did and was told there was nothing need from her. I furnished all the numbers I could, to resolve the issue but they would not except any of them. They won't give me reason for the hold only they can't verify the phone number to the writer. After over XXXX weeks of back and forth with customer service. And the writer and me on a conference call with customers service, they refused verification. Now they have closed my account still have the XXXX and will not send it back to the writer or to me without a dispute letter from the writers BANK. they have done all of this with no notification to me at all, only a hold on a check. There seems to be a freeze or flag on my account and they won't tell me why. Now I called the writer and their bank doesn't know what to do either. I and my check writer are out the money for no understandable reason other than a phone number. I know that's a lie because all banks are linked to your phone. That's how we check our accounts. 
Please help, we need this resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX to remove a duplicate account from my credit report since it has been close for long time but the refusing to do that. the account it has been paid in full and never late but i still have problem remove it from this credit agency.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Checking or savings account

I had several accounts business and personal with Navy Federal Credit Union, their were several charges that I disputed with the fraud form from Navy Federal. My claim was denied, I asked the reason and was told that I made the charges. My business debit card and business checking account was fraudulently used in the state of California at various places for purchases in the amount of {$48000.00}. I live in XXXX, and when these point of sale transactions was made I was in my home state of Illinois. I recently was looking at old bank and credit card statements and I noticed charges on my credit card and debit card statements that I made during XX/XX/XXXX. These charges prove I was in Illinois when my business debit card and business checking accounts were fraudulently used. I enclosed a copy of my fraud claim, a copy of my personal bank statement from XXXX showing point of sale charges in XXXX, a copy of my personal credit card statement showing point of sale charges and hotel stays in Illinois, and a copy of my business bank statement showing the fraudulent charges. Navy federal blocked closed and blocked access to my business accounts in XXXX of XXXX, but I keep copies of all my records and bank statements. And with these fraudulent transactions on all my accounts, my personal credit cards got closed for nonpayment, because my money was stolen.
Product: Vehicle loan or lease

This is not a duplicate complaint from 2021, I have made several payments that financial company did not apply any amount to principal balance.
Product: Credit reporting or other personal consumer reports

Opt out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Opt Out of Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally opt-out of my personal information from certain credit reporting agencies, as permitted under the Fair Credit Reporting Act ( FCRA ). Please process my request to opt-out of the following agencies : * CoreLogic * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten verbal and nonverbal per 15 USC I am exercising my rights under the FCRA, Section 604, which allows consumers to opt-out of the inclusion of their information in lists provided by credit reporting agencies for offers of credit or insurance that are not initiated by the consumer. I understand that by opting out, I may reduce the number of unsolicited credit and insurance offers I receive.

Please ensure that my request is promptly and accurately processed, and that my information is excluded from any lists provided by the mentioned credit reporting agencies for the purposes outlined above. 

For your reference, my personal information is as follows : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] I appreciate your prompt attention to this matter. If there are any additional steps required on my part or if you need further information, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 
Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with USbank. When I opened the account, the banker told me that there's no monthly fee if I have any usbank credit card. The advertisement says the same thing. However they still charge me a lot of monthly fee and they said my business credit card does not qualify.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts pop up on my credit report tonight, and I have no clue why. I check my report regularly, and this time, out of nowhere, there were errors. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The mistakes were still there. I'm really asking for a thorough review of the documents Ive sent because I dont want to deal with this stress again.
Product: Debt collection

Consumer adjustment co sent a collection to the credit bureaus for the amount of {$300.00} on my credit report they made illegal practices to send it to the credit bureaus such as I was not contacted not once by them they never sent me a debt validation letter which they are required by law to do they made those errors and still sent it to the credit bureaus they also illegally re aged the debt cause I never opened the account on XX/XX/2023 I mailed a letter to them which came back as delivered on XX/XX/2023 requesting proof they prove this account is mine they never replied back they had 30 days to do so now going forward this debt is no longer valid for not having proof and making the above errors and illegal mistakes in credit reporting consumer adjustment co needs to be in FCRA compliance and remove this collection immediately for what they did will attach supporting documentation including the tracking number for the letter I mailed to them plus additional details.
Product: Debt collection

On XX/XX/2023 a family member of mine received a phone call from credit Collection Services. They stated I allegedly owed a medical bill to XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX for a total of {$810.00}. They bought my alleged medical information and contacted family members and gave my family members my information then requested to have me be added to the call and continued to disclose information to my family member without consent. I do not owe money to this company and they did used tactics against my consumer rights to try to obtain money from me.
Product: Debt collection

I request a copy of the original signed contract. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

1681 ( e ) ( b ) It shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

I have been with Capital One for about a year. I started with a prepaid card until I had a credit record that would let me convert to a regular card. I pay the balance in full every month and I am never late. In XX/XX/2021, I received a notice that my payment was due on XX/XX/XXXX. When that day came, I got a notice on my phone to pay card bill of {$1000.00}, which I did immediately. This money is paid from a brokerage account. The payment was posted on the XXXX of XXXX. Yesterday, XX/XX/2021, I looked at my brokerage account and found there were two identical payments to Capitol One for {$1000.00}. I called their Customer Help line and I was told this happened because I " have AutoPay ''. My question was, " if I have AutoPay, why do they send me a notice to pay my bill? " I contend this is a not so legitimate way for the bank/card company to take more than they deserve. When I asked for a refund, I was told that would take 15 days. In my mind, that is two weeks, but he corrected that it was business days, now three calendar weeks. He said they would have to pay with a paper check and it may take a week to get to me. Now it is four weeks for the refund, you know.the money they took wrongly. They got the money I owed in a day. 

One last thing. The money they took was not a small amount, and actually it was just luck that they did not overdraw my account or drian it to the degree where I was left destitute. This arbitrary taking is wrong on so many levels that I can not begin to enumerate. Its selfish, greedy and shows no concern for their customer 's financial condition. 
But I'll try... 

Capital One is wrong in that they misdirected me with the phony payment due notice, knowing full well that I had AutoPay. 
Capital One had the money wrongfully taken for two weeks and never said a thing to me. 
Capital One refused to issue a refund immediately, taking their sweet time to issue a paper check and delivered by the slowest means available today, The US Post Office. 
I pointed out to their Service person that when the next Capital One bill is due, I'll process their request, taking three weeks to do that and send along a paper check, which will take a week to arrive... .will that be acceptable? 
" NO '' " Then what makes it acceptable to me? '' No answer
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.