23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is against United Wholesale Mortgage ( UHM ) regarding a recent refinance with them. Our prior bank was XXXX XXXX XXXX Due to errors in UHM 's closing documents, we ended up having to sign two times. Once on XX/XX/2021 and the second time XX/XX/2021. The main complaint is UHM has in it's records that the loan closed and funded on the original signing XX/XX/XXXX, which did not happen. The problem with this is we are being charged for five weeks of interest that we did not incur. ( This is the time period between when we originally signed XX/XX/XXXX and the subsequent signing XX/XX/XXXX that did record and fund ) We originally signed our loan documents on XX/XX/XXXX but this loan never closed. This was caused by a mistake on the deed. Our middle names were omitted from the notarized document and did not match the deed. The title company was unable to record the deed because of this. At this point the loan died, ie : ( The money was never disbursed and sent back to UHM. We then had to start the whole process over with our loan broker ). The 750K that UHM wired to the title company in early XXXX was returned back to them. 
I have been trying to resolve this issue since XX/XX/2021. I sent UHM a letter on XX/XX/XXXX with the correct signing. Prior to that I sent UHM four inquiries as to when this issue would be resolved. I called them today and was told that the loan start date is correct and if I have a problem with that I should reach out to the tittle company and or my loan broker. I reached out to both of them in late XXXX and to date, nothing has been resolved. 
Will you please help me get this resolved?
Product: Debt collection

So I reported XXXX and XXXX XXXX firm they are trying to collect old debt that is from 2017 and now they are garnishing me after I called tried to work things out yes I did lose a few jobs along the way but there should be no reason of the garnishment without my knowledge
Product: Checking or savings account

Regarding Umpqua Bank ...... 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was {$2700.00}. This business name on the check is XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX 3 checks were cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was {$6700.00} The business name listed on these checks were XXXX XXXX XXXX. One of these checks was written for {$4700.00} but written as XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. They deducted the {$4700.00} On XX/XX/XXXX 2 checks were cashed that was in another company 's name and address and not our signatures, total withdrawn from our account was $ {$6400.00} The business name listed on these checks were XXXX XXXX XXXX. 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signature, total withdrawn from our account was {$4800.00}. The business name listed on these checks were XXXX XXXX XXXX. 
On XX/XX/XXXX 1 check was cashed that was in another company 's name and address and not our signature, total withdrawn from our account was {$2400.00}. The business name listed on this check was XXXX XXXX XXXX.
Product: Debt collection

I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed. XXXX BALANCE { {$2400.00} } This is Fraudulent and not my debt.
Product: Mortgage

In the past few months I have discovered many concerning matters regarding my loan. The first issue being that Bank XXXX New York is not the actual holder of my loan nor has the loan ever been assigned to their company with any recorded or certified documents. I went to XXXX XXXX of records and was provided a certification of non-filing, meaning the document was never in fact filed. I even have an email directly from the president of Bank XXXX New York informing me the loan is not owned by them. I researched and was able to pull the assignment document and contacted the person who signed the assignment, XXXX XXXX, I asked him if that was his signature and he proceeded to inform me that he could not tell me if it was or if it was not his signature which raised alarms to me. Since discovering this information, I have contacted Ditech my servicer in attempts to help save my home. I provided all documentation they requested only to be told that I " do not meet the criteria '' for a loan modification with no detailed explanation nor alternatives to avoid foreclosure. I was never provided a single point of contact during that process and was constantly given the run around and treated unfairly. I am now facing an upcoming foreclosure and am unsure who my lender really is at this point and am beginning to become concerned about losing my home.
Product: Credit card

I am writing to formally file a complaint regarding my Capital One account ending in XXXX. Despite fulfilling all my financial obligations and resolving any past issues, my account has been unjustifiably restricted without clear explanation. Furthermore, Capital One has refused to review the matter or provide adequate reasoning for the restrictions placed on my account. This situation has negatively impacted my financial standing and potentially my credit score due to my credit being ran multiple times. 

In XX/XX/XXXX, I encountered a payment issue with Capital One, which was fully resolved on XX/XX/XXXX. Since then, I have paid all outstanding debts and ensured my account is in good standing. Despite this, my account was restricted again on XX/XX/XXXX, with no explanation provided other than activity inconsistent with typical usage. I have repeatedly contacted Capital One customer service to resolve the matter, but I have been told that this is the final decision, with no further review or explanation. 

The restriction on my account has not only inconvenienced me in terms of my ability to use the card but also harmed my credit profile. Each time Capital One restricts my account, I am affected by the reduction in available credit, which impacts my credit utilization ratio. Moreover, the inability to use the account, despite having resolved all issues, affects my financial management and access to credit. I am concerned this unjust treatment will have a long-lasting effect on my credit score and financial standing. 
I believe that Capital Ones refusal to review my account and provide clear reasoning for these restrictions may be in violation of fair consumer credit practices. As a responsible and cooperative customer, I am entitled to a thorough review of my account status and full transparency regarding the actions taken. If this matter is not addressed, I intend to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). 
I am requesting a full review of my account and a clear explanation of why the account has been restricted after I have fulfilled my financial obligations. I would also like confirmation that my account will be reinstated without restrictions, and any incorrect reporting to credit bureaus be immediately corrected. Additionally, I request a written response detailing the steps taken to resolve this matter. 
I would appreciate your prompt attention to this matter and request a resolution within the next XXXX business days. I trust that this issue can be resolved amicably, but I am prepared to take further action with regulatory agencies if necessary. Please feel free to contact me directly at XXXX or XXXX to discuss any further details.
Product: Credit card

XX/XX/2015, a credit card was opened with this lender using my social security number and date of birth under a different name that is not mine nor a name that I have ever gone by. I found out this past week that I became a victim of identity theft and have since contacted this lender and XXXX, XXXX and XXXX to flag my credit file for fraud. I have never had an account with this lender.
Product: Checking or savings account

I, XXXX XXXX, XXXX have addressed this complaint over the phone to only receive more Suncoast Credit Union checking statements ; XXXX statements since this XX/XX/XXXX complaint. If Suncoast Credit Union want to be nasty, and play a game ; I'll bring fraud charges against their entity, for the fraud committed against me within the XXXX XXXX I have done business with them_ under fraudulent contracts. That I was not aware of ; I don't care who runs this entity, It should not take 60 days to close out an account that was to be closed in XXXX. XXXX have violated laws under breach of contract ( s ) of each loan provided me, as well as their credit card, and for XXXX XXXX to have their staff state they can not closed account, because I owe a credit, when it is irrelevant and I was not provided full disclosure on SunCoast contracts, when knowingly that their contracts were all fraud and can be fought, have XXXX XXXXXXXX to stop sending statements, when claiming to resolved this issue at hand. The checking account does not relate to any credit card to claim a reason not to close my checking account. This is harassment, and How dare Sun Coast to think that I would allow its company to drive this matter this way. keeping my account open when it is against the law, But anything goes in XXXX. The proper way to handle a credit dispute is to place this matter in court, not applied that Suncoast disallow my acct close because of a credit card that I do not owe, because who I am, and XXXX knows who I am, and fraud me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with someone from XXXX XXXX about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account...
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion XX/XX/2020 I kindly asked them to remove 2 inquiries from XXXX XXXX XXXX per the fair credit reporting act 15 usc 1681, and they refused to delete the inquiries. I want CFPB TO investigate.
Product: Mortgage

My loan was originated on XX/XX/XXXX for XXXX at 11 % interest through XXXX XXXX ( i think ) it has been almost 20 years. It was a second mortgage on a house we paid XXXX for in XXXX. This was to build an addition to the house which we did. Ocwen has owned the loan for years. Here is where the problem lies. This was a straight equity mortgage with 11 %. Nothing fancy just a straight 20 year loan. My first payment was in XXXX of XXXX. Here we are at almost 20 years later and my loan has only gone down by XXXX according to ocwen which is now phh. I never paid much attention to the balance till now I just paid it. My last payment shows they charged it all to interest nothing went on principle. I am being ripped off and after researching ocwen and how they have been doing to other people, like not crediting payments correctly etc. I feel that I fall into that category. I have paid on this loan for 20 years and have nothing to show for it on the balance sheet. This needs to be corrected and fixed immediately. Also i don't understand ltv but they have it really high at 76 %. That is also incorrectly miscalculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$10000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report 3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this deb XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$16000.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Product: Debt collection

On XX/XX/XXXX called my phone and said they needed to know where i worked so i could be served with a legal supbena of complaint ordered by a judge for collection of payment. I was accused of avoiding service, i will be arrested. I am XXXX XXXX XXXX, and it nearly gave me a hart attack. I contacted a criminal attorney, and the attorney checked the court docket website only to learn there was no complaint filed against me. I was ready to write them a check for {$9100.00} the company said they had a judgment against me. It was BARCLAYS BANK DELAWARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing this letter to file a complaint against Ocwen Loan Servicing LLC . The problem started when I was going through a divorce. I found out through Ocwen that My Ex husband was not making payments. I went on further with Ocwen to come to a agreement that I was told was going to help me become current. I was told to come up with a {$2000.00} down payment and to follow the payment plan. which I have done for about 18 months now. I was also told that my payment would not change. In XX/XX/XXXX I was diagnosed with XXXX and was hospitalized for 2 months. I was never notified by Ocwen that my monthly payment changed until I talked to my relationship manager XXXX XXXX in XX/XX/XXXX. I have payed extra monthly, which I later found out that the extra I have been paying Ocwen set aside and did not even apply to the back balance. Throughout this process I found out that Ocwen is also charging me for several modification applications and fees associated with that process. I have talked to my relationship manager monthly for over a year just to be told there is nothing they can do for me and I am further behind then when I started there agreement that is labeled Modification Forbearance Agreement. The only goal I wanted to achieve was to keep my house for my family and I feel they have done nothing to help this at all. Ocwen has been marking me as late/non payment on my credit even though I have been paying them on time for over a year now.
Product: Credit reporting or other personal consumer reports

I contacted NMAC on XXXX regarding my car note with the financing company. I requested an extension on that day. I was sent a form via email to receive a 2 month extension for the months of XX/XX/XXXX and XX/XX/XXXX. I called within 30 days to save myself from being reported 30 days on my credit report. The point of getting a new car note, though I own a paid off vehicle, was to build positive credit. I signed and resent the extension request letter to NMAC via email on XXXX, after being told by the customer service told me that I was eligible for an extension. I contacted Customer Service again on XXXX after discovering that my credit report had a late payment showing 30 days late. I had no idea that it was absolutely required for me to email or fax over the document. I was told by the XXXX XXXX on XXXX that I could email the document back. Customer Service revealed to me that the extension request document would need to be faxed or mailed to NMAC. I was told that the documentation would be effective for 17 days from request, for mailed forms. I sent the XXXX via certified mail. This would be 10 days later. The item was estimated to arrive by XXXX, which would have given enough time to process this the extension request, considering that it was not conflicting with business days. The mail was not received and signed for until the XXXX of XXXX. The delay was due the fault of USPS. I was resent a new request form on XXXX. I was not able to complete the 2 fax attempts on XXXX. Which I have attached proof. I was able to successfully complete the fax on XXXX on that XXXX. 
I was successful. I contacted the NMAC to ensure my paperwork was received on XXXX  XXXX, XXXX. The Customer Service rep told me that I owed {$990.00} and to allow 2-3 business days for the Extension Request to be processed & uploaded to the account. I processed a payment equivalent to one month installment payment to avoid a 60 days late payment, since now I know that NMAC does not go by business days when measuring days late. I made a payment on XXXX to avoid a 60 day late payment mark on my credit report. The account used to pay the bank account was the bank account that keeps kicking back from the system & blocked me from online access to pay. Thats another issue. The same account that is in the online portal is the same account that the Customer Service reps use to complete my over-the-phone payments. Being blocked from having the ability to pay online is overwhelming. I say all this to say that the tardiness of the 2 month extension form was out of control. The Customer Service Rep that told me to send the extension form back via email is not my fault. I was wrongfully reported 30 days late even considering XXXX and the XXXX XXXX holiday. I would like to request that the 30 day late payment is removed from my report. Its wrongful reporting and the delays are not my fault. Thank you so much.
Product: Debt collection

I called and set up a payment program where I would repay the highest-interest loans first. The lady on the phone when I called indicated that this is how it would work. This was 6 months ago. I log back on to my account to see that this is now what's happening ; they've been distributing my payments equally among the loans, not targeting the highest interest loan like I specifically set up. I called them back and they said that this is standard procedure and can't be changed. I am suspicious. I think it is fully within my right to choose which loan I want to repay first, but according to them I can not do this, i must repay in the way that they dictate ( spread out among the different loans and interest rates ). This seems pretty manipulative and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4500.00}, {$4800.00}, {$7100.00}, {$5600.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 











2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

4. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer a natural person demand XXXX XXXX Transunion remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX XXXX  Transunion to furnish a report on the consumer take everything off the consumer profile and report. XXXX XXXX  Transunion own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.
Product: Credit card or prepaid card

I made a purchase in XXXX and created a credit card dispute under the bases of incomplete services with Discover on the date of XX/XX/2022 for the amount of {$2300.00}. On the discover credit card services website and their own cards benefit pamphlet it shows that discover has the ability to dispute purchases for 3 reasons, one of them being " Incomplete service : Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I made a purchase on an order where the seller messed up and sent me the wrong items. They agreed to a refund once I returned the item. This was the result of the products received wasn't as advertised, as clearly stated by discovers return policy. I agreed to return the items, and the return was sent back and delivered. After delivery, the seller refused to refund me for some odd reason. I believe they were double dipping me by keeping my order that I returned brand new and the money I spent on it. So they got a 2 for 1. I told discover this and provided ample amounts of evidence, of the order being returned and received by the seller and the seller refusing to refund me. They still sided with the seller. I opened a chargeback not only once but twice and they still sided with the seller when I provided evidence that the return was delivered to them and the seller was committing fraud by keeping my return and the money I sent them. Discover said I need proof that the refund is owed to me. How can I get proof from a fraud company that won't return me my money or the items I bought from them? Discover does not uphold to what their dispute claims are stated on their website. They do not care if their consumers get scammed. They will let it happen and ignore their consumers.