23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage on my home is serviced by Ocwen. I believe Ocwen is ripping me off. 

I have a thirty year mortgage with an initial loan balance of approximately {$150000.00}. After making twelve ( 12 ) years of payments, my current loan balance is approximately {$140000.00}. Where have all of my mortgage payments gone? Ocwen has added huge fees to my account and refuses to correct the balance. 

Also, my escrow account is incorrect. I completed a personal bankruptcy and repaid everything 100 %. The Judge in my case declared my mortgage account and escrow completely current. However, Ocwen says I have an escrow shortage of over {$3000.00} even though I made all of the required payments in full and on time. Ocwen refuses to correct my escrow account for almost a year. Ocwen is trying to run me out of my house by incorrectly increasing my payments to cover the incorrect escrow shortgage. Furthermore, Ocwen violated the Fair Debt Collection Practices Act in Court. 

My mortgage loan balance is incorrect. Ocwen appears to have added huge amounts and fees to my loan balance even though I have been paying on my mortgage for twelve years and I am current today. 

I have been working with OCWEN for over a year now and I can not get my mortgage account and escrow account corrected.
Product: Money transfer, virtual currency, or money service

Friend sends me {$300.00} on XX/XX/XXXX to my Venmo account, I never use the app but end up jumping through all their hoops. Password, bank account, identity, address, transactions, and after verifying all of that I log into today and my account is suspended. I received an email and I contact the help phone number, they begin to tell me that there is nothing I can do and I need to wait for the account support specialist to email which can take up to 5-7 days. I tell them this is unacceptable and ask to speak to a supervisor, when I spoke to XXXX she told me that she cant provide me with the details on why my account is suspended after performing all the above actions and then tells me its 7-10 days before I may receive an email. I ask why I cant speak to anyone and they said there is no way to contact an account specialist outside of email. 

They are refusing to verify me or put my account back into good standing so I can just pull the measly {$300.00} out and delete this. They have no right to hold my money without any justification or reasoning and tell me there is nothing I can do for 7-10 days. This is not ethical nor reasonable, I can literally go buy a XXXX faster than I can get a response. If they are going to hold my money then interest needs to be paid.
Product: Credit card or prepaid card

Good Morning, I Am filing a complaint against Synchrony Bank for not holding true to their word on telling me that a credit that was put back to my account is permanent. On XXXX-17 I seen that a credit was put back on my account. On XX/XX/XXXX I spoke with a person online from the credit card company. They plainly told me in writing, which I have, that my dispute credit was PERMANENT. <P/>On XX/XX/XXXX I received a letter letter telling me that it was provisional, however I had already been told twice that it was permanent. First by the chat rep and second by a manager. <P/>I am holding Synchrony Bank liable for their actions. I am not willing to accept anything other than the credit as permanent since I had already been told very plainly that it was permanent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a Bankruptcy to the 3 credit bureaus which is inaccurate. When I disputed the item with Lexis Nexis and asked to know the source of information, I received 3 responses. Their first response was that the Bankruptcy did not exist. The second response stated that the bankruptcy is accurate yet does not provide their source of the information. I've contacted the Clerk of Courts in Georgia 's XXXX XXXX, who state they do not have any information with my name and social attached to a bankruptcy.
Product: Vehicle loan or lease

My auto loan was deferred for 4 months starting in XXXX and end in XXXX. 
My payments should have automatically pick up again on XXXX XXXX. But for some reason on Ally end the payments are not going through .I called pertaining to late payments notice I receive and went on to Ally website to make payment myself and Ikeep getting a message that read ( The payment account you selected is temporarily unavailable. Select another payment account or try again later ). I attempted this several times yesterday XXXX XXXX, plus chat with XXXX and XXXX and XXXX was no help she suggested that I pay through XXXX XXXX and incur a {$4.00} service fee. I told her Ally need to fix the issue and I'M not going to use XXXX XXXX .Then XXXX transfer me to speak to XXXX who place me on hold for XXXX minutes and told me the was fix and that I could make payment. I tried again and was unsuccessful. I called Ally XXXX XXXX XXXX XXXX And spoke to a represented and she told me she would make notes in my chart about the late fee and that she see that Ally correct the issue, and to go on later in the day and put payment through and then give them a call back tomorrow to set back up direct payment. I attempted to make payment again did not go through yesterday, I reattempted the payment this morning did not go through. I spoke to XXXX today and went to XXXX XXXX incur a {$4.00} charge and was told I would be reimburse the {$4.00}. I made the payment through XXXX XXXX and now I will look for my {$4.00} REIMBURSEMENT.I left the conversation with this is the one and only time I'M making this payment through XXXX XXXX and for Ally to fix this issue so they can receive my payment to automatic payment on XXXX XXXX
Product: Debt collection

Affirm.inc leveraging XXXX XXXX debt collector is engaged in bad faith deceptive loan origination and debt collection practices. It is not possible to engage in the steps necessary dispute or negotiate a debt without personal information being used for enduring and continual marketing financial products with no ability to opt out. This makes it impossible to seek remedy for alleged debts without having personal information sold in exchange. The process is described here XXXX  : XXXX XXXX Once XXXX  owns the customer relationship and has helped those consumers out of debt, it can begin to layer on additional financial services : partnerships with neobanks, debit cards, banking services. These are excellent businesses once the customer is in the door, but many attempts die at the hands of high CACs. XXXX is playing the long game, and has been for the past seven years, because it knows it can do well by doing good. 
Fewer consumers in debt, more consumers with access to financial services, more profits for XXXX. '' Affirm did not positively identify individual using their buy now pay later service and a loan was created in my name. The loan was not paid on. When the loan went to collections it was disputed via Affirm and XXXX credit report. The company provided no documentation showing the loan was valid and simply confirmed the loan. Affirm then advised to contact their debt collector to continue the dispute. Contacting their collection agency XXXX XXXX results in a new and permanent account with XXXX XXXX being created that market financial products from. Affirm never had consent to open the line of credit and therefore had no consent to give to XXXX XXXX for marketing of financial products to the non-consenting party. The current practices prevents the consumer from taking action on items reported to their credit report without unknowingly signing up for unwanted financial services.
Product: Credit card or prepaid card

I was on the XXXX gaming site on XX/XX/2023 from XXXX XXXX  to roughly XXXX XXXX. I warn XXXX dollars and closed the application. The next day I logged into my Chime account so see if the winnings was deposited. In disbelief and lost I panicked and call chime. I was told the transactions was still pending and to reach out to the merchant. I did exactly that and was told that I broke the law by allowing minors to access the gaming site. I dont know of any parent allowing their children to gamble and exhaust all of their finances. 
Once the transactions cleared as paid I contacted chime again. I forwarded the emails between me and the merchant. Again clearly I did not authorize or give access to the gaming site. On the XXXX of XXXX I received a determination that the transactions are accurate. I asked for a copy of the information used in the decision. Finally I receive the information and it only included the transaction history. My emails wasnt included nor was there any communication with the merchant. I filed a rebuttal and was told by the XXXX of XXXX I would receive and provisional credit. Sad to say today the XXXX I get a email stating the claim is closed and I wont receive a credit or my money back. 
I cant express this enough I didnt nor would ever allow and minors to break the law, especially at my expense. I did not authorize any transactions after I cashed out. I opened another rebuttal today.
Product: Debt collection

I written Freedom Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX I was told the document has to be court order for me to receive. Freedom mortgage won't verify my debt. I was told by Freedom mortgage they only have a copy of my note deed of trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/2017 Account Balance : {$660.00}
Product: Debt collection

I was working with the resort ( XXXX XXXX XXXX XXXX XXXX to pay all my dues accordingly. I was under the impression that we were working towards a resolution. Out of nowhere, my remaining balance was sent to a collection agency. The way I found out was when Monterey Financial Services reached out about collecting a debt that was owed. The resort never informed me that they would be sending this over to collections. As mentioned before, we ( resort and self ) were working together to resolve this matter. I had reached out to the resort for help due to my hours being cut back at work and wanted to resolve things as best as possible. It is no secret by now that timeshares are a scam and this has taken a really big toll on my finances and my personal life in general. Before the resort sent my account to collections, they refunded me a {$1000.00} deposit, which I took as a sign that we were on the right track. Imagine my surprise upon receiving communications from a collection agency. As soon as I heard from Monterey, I asked them to cease all communications as it stated on the letter that it was from an Attorney ( rather than the agency itself ). There main point of reaching out was to inform me that my balance needs to be paid in full and that until then, a collection will be appearing on my credit report. This collection agency has left harassing telephone messages and has a very intimidating demeanor, which I do not appreciate. I feel as my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the news broke about Equifax I decided to check the website they gave to see if my information had been compromised. According to the website it said that my information probably was not impacted. Probably, is not that reassuring! I let it go until a couple weeks later there was something else in the news about Equifax so I decided to check the website again and this time it said my information may have been impacted. May, is even less reassuring than probably!! So I decided to follow through with the next steps to get the free credit monitoring service through the website they gave. What a convoluted mess!! I have talked to so many people at different numbers and have received zero satisfaction. First of all, since they caused the mess why do I have to jump through all these hoops in an attempt to get the free credit monitoring service when they are responsible for the problem, if anything they should get in touch with me and tell me they are giving me this service. All the different numbers I ended up calling started from the number on the website, then in a couple of instances I was automatically transferred to a different number, which made me uneasy. In all cases I was asked for my private information ; only one time did the person on the other end ever ask for my entire social security number. I was uneasy about giving it to them but since the number I started with was from the original website I was given to follow up on this matter I did and also one of the other one people that I spoke with said that they occasionally do ask for the full social security number. My reservation about give any private information to Equifax is that they did not do such I great job safe guarding it in the first place so why should I trust them with it this time. I even filled out the information form twice on their website and still absolutely no satisfaction. On one of the last calls I made I asked the gentleman on the other end where was I talking to him from and his reply was XXXX, my thought was XXXX!! Why am I giving my private information to someone in XXXX!! I could not believe it that Equifax had the unmitigated gall to out sourced this problem to a foreign country. I am absolutely thoroughly and totally discussed with the whole mess and am in a quandary as to what my next move is?? I hold Equifax completely responsible for any issues with my credit for the foreseeable future. What really takes the cake is that Equifax will probably walk away with absolutely no penalty what so ever and the consumer again is the one who will be left holding the bag.
Product: Vehicle loan or lease

We were making plans with Mercedes Benz to make payment arrangements. We were going to be in contact. But unfortunately, when I woke up on XX/XX/year>, my vehicle was repossessed. 
My contract with Mercedes-Benz Financial Services contains a clear arbitration clause, which mandates that disputes be resolved through arbitration rather than unilateral action by either party. I was also charged me a down payment, which I have learned and I understand that it is a violation, because it was I shouldn't have been paying a down payment. I have included all my attachments to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The following companies listed below from XXXX through XXXX are showing missed payments in my credit report. I disputed the accuracy of the credit reporting with the Credit Reporting Agencies XXXX ie XXXX, Equifax, XXXX ), they concluded without " Receipts '' confirming the accuracy of the reported missed payments that the information was correct. I have not received information from neither company nor Credit Reporting Agency confirming the accuracy of the reports. The following are the companies : XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXXXXXX opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX
Product: Debt collection

REAL TIME RESOLUTIONS PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500 %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH!

THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!
Product: Checking or savings account

On my US Bank account on XX/XX/XXXX There were 3 unauthorized transactions. withdrawals of {$500.00}, {$1000.00} and {$1000.00}. That is a total of {$2500.00}. 

I called US Bank on XX/XX/XXXX to report the fraud. They said it would take 5 business days to put the money back. I called back on XX/XX/XXXX, they said it will be done that day. On XX/XX/XXXX I called again to inquire why it was not there. They just said that the person I talked to was mistaken and that it would take 10 business days.

10 business days came and went and the money was not returned. Today the 11th business day I called ( XX/XX/XXXX ) and they told me that they determined that it was an authorized transaction. I asked how did they know what an authorized or unauthorized transaction was? I was told that he didn't know because he didn't do the investigation and I have no other recourse other than to submit an appeal after I received the denial letter. The letter will be another 10 business days. In the meantime I have bills to pay. 

What is my recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information about me applying for loans to several banks for a car that I never bought. I never applied for any loan or even bought a car. These loans were applied for on XX/XX/2021 and I assume it was from a car dealership. I was also given an insurance card for a car I never owned. 

I found out about it when I got a credit report from Experian today and it said that I applied for numerous car loans for banks and was rejected by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a total of ( 3 ) FTC identity theft report for fraudulent accounts and inquiries showing on my EQUIFAX credit report and file ( each is attached ). I also sent an Affidavit of Truth on XX/XX/XXXX stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing a fraudulent account that I did not give written instruction to do. EQUIFAX finally deleted ALL of the items ( all accounts and inquiries ) from my credit report and file BUT did not comply completely, as they did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX for failing to properly investigate mu disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2015 . Transunion reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
Product: Debt collection

Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. 

This is hurting my credit score and I have no recourse other than filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX failed to comply with thirty day notice. Reporting inaccurate information on my report.
Product: Mortgage

Nationstar Mortgage and their attorneys XXXX XXXX XXXX used deceptive practices and dual tracking and LIes while they continued to foreclose on my home of 20 years and lock me out of it and sell it back in XX/XX/2019. I was served all the papers at once and never given a procurement period and was told by the mortgage company that I couldn't pay my mortgage while in modification. I was in modification this entire time.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I noticed unauthorized and fraudulent credit inquiries on my credit profile across multiple bureaus, including Transunion, XXXX, and XXXX. These inquiries include a XXXX XXXX  inquiry, even though I am not currently shopping for a car and never initiated this request. Additionally, I did not authorize the XXXX XXXX credit inquiry, which occurred over the weekend. I believe I am a victim of identity theft and request the immediate removal of these unauthorized inquiries. Please confirm receipt of this dispute and provide updates on the resolution.