23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

this case number was told by your office to me on the phone to go thru FTC. I did that but called FTC today and they told me this should be handled by your office. My complaint number with your office is XXXX and the complaint # with FTC is XXXX. This was a complaint to say : CREDITKARMA that reports what they say they get from the XXXX credit reporting agencies of XXXX and XXXX is NOT correct. XXXX DOES NOT have one of the collections that is showing in CREDITKARMA which brings my report number down with them. What I see is an error reporting from Credit Karma. I contacted them and told me they get their information from XXXX. I called XXXX and they do not show this collection on my report. So XXXX will NOT do anything because it is not on my report and Credit Karma will not remove it unless XXXX tells them to do so. THIS IS RIDICULOUS. I want this off my credit report with CREDITKARMA which is on my collection section of the report with XXXX XXXX XXXX. This does n't even show an amount because it is an account that was filed in BANKRUPTCY. This should say closed or not even show in my collections as they have it on my credit report for XXXX on Credit Karma. This was discharged and these people never showed to the creditors meeting if they wanted their funds. This is no longer my responsibility and should be removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2012 Open I should NOT be the one to be running around to get my report corrected with XXXX and Credit Karma because neither one is doing anything. This is XXXX and has been going since way before XX/XX/XXXX and I am not having XXXX because of this frustation. Please have someone correct this immediately. Thanks.
Product: Credit card

My XXXX son XXXX figured out my XXXX password and in XXXX days made {$2700.00} in-app purchases on his iPad without my permission and billed to my Chase credit card. I attempted to dispute these charges as unauthorized with Chase, a customer representative told me that in order for them to recognize the charges as unauthorized I would have to BRING CHARGES AGAINST MY XXXX SON. This is outrageous. According to the Truth in Lending Act, I am only responsible for {$50.00} of unauthorized purchases. I am also unhappy about their failure to decline purchases and contact me concerning them, when it is quite obvious that this was aberrant purchasing behavior.
Product: Mortgage

The company XXXX XXXX  has refused to remove XXXX  XXXX and refund excess payments according to state and federal regulations. At the time of closing XXXX XXXX  down was provided yet the company is denying refund and removal of XXXX  and XXXX. The company denied initially they were collecting XXXX  on the phone which lead to further investigation on my behalf. At that time I said the company had reported collecting it on the annual statement yet it didn't appear on the website. I notified the CFPB immediately upon contacting XXXX to remove XXXX  XXXX and refund the overcharges. 

In addition the company did not uphold an agreement to forebear mortgage payments during a XXXX related reduction in pay. Forcing me to pay back payments rather than fulfill their agreement of forbearance. XXXX XXXX XXXX. 

This is now the third occurrence of the organization attempting to defraud it's lenders and I wish to have another mortgage servicing company in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX FCRA Violation XXXX real estate never late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX  FCRA Violation : hard enquiry not mine XXXX
Product: Mortgage

I was approved for a trial modification starting XX/XX/2016 to XX/XX/2016. After that Ocwen promised to send a final modification and it never came. When I called they had sent to a different address even though I told them to send to my home address. Now when I call, only XXXX Ocwen answers and I can not get anyone in US Ocwen to answer. Please help I made all three payments they should 've provided me the modification to my house now they are foreclosing.
Product: Credit card

Below is my dispute that I have been going on with TOMO Credit Card. I initially opened my dispute within a few days of the fraudlent charges to my credit card. I submitted proof of the fraudulent charges placed on my card, via deceptive marketing. My name is XXXX XXXX. The last four digits of my card is : XXXX. Please read below the description of charges I would like to dispute for refund and or reversal of charges. On XX/XX/23, I was browsing internet and came across a webpage for cookware. It has a spin wheel for discounts percentages. I spun and it stated I won free XXXX cookware and I had to pay for shipping and handling. I entered my credit card information for the shipping and handling for {$6.00}. On XX/XX/23, I checked my credit card dashboard and saw I had pending transactions totaling {$150.00}. I viewed the transactions and saw charges of {$6.00} charge for a XXXX XXXX XXXX and {$140.00} XXXX XXXX XXXX which I have no knowledge of. I checked my emails for confirmation of the cookware to be delivered and saw emails from XXXXXXXX XXXX. The first email had Order # XXXX for XXXX XXXX XXXX totaling {$6.00}, and the XXXX  email had Order # : XXXX for XXXX XXXX XXXX XXXX. Totaling {$140.00}. I did not authorize any of these transactions. Upon reviewing all my documents, the webpage made me think I won free cookware and I only had to pay for the shipping and handling totaling {$6.00}, but received an email the {$6.00} was for XXXX XXXX XXXX, which is nowhere represented on the webpage. Also, I was charged an additional {$140.00} for XXXX XXXX XXXX, but I received and email for XXXX XXXX XXXX XXXX. I did not authorize this charge, nor was any of this information on the webpage for the XXXX cookware. All of this was a scam to gather my credit card information and use misleading and misinformation emails contrary to what I thought I was purchasing. I contacted the customer service numbers ( XXXX, XXXX, XXXX, XXXX, XXXX ) for each service listed and each person told me they could not perform a refund and to contact my bank. I informed them I am contact them because they charged my card and I want an immediate refund. I was informed they could not perform a refund at XXXX, then XXXX rep stated he could refund 40 %. I informed him I want a 100 % refund due to the nature of how the webpage was misleading and made it look like I was receiving cookware. There is no mention of XXXX XXXX XXXX or XXXX XXXX XXXX on the cookware webpage. In fact, if you do a web search for the cookware webpage : ( XXXX  ), it will reveal a webpage as Page Not Found. Please review the supporting documents containing, the webpage for the cookware ; Page Not Found for the domain name ( XXXX  ) ; my credit card dashboard for the charges listed as XXXX XXXX XXXX and XXXX XXXX XXXX ; emails with Order # : XXXX for XXXX XXXX and Order # : XXXX for XXXX XXXX XXXX XXXX. ; Credit Card dispute forms for the {$6.00} and {$140.00} transactions. Due to the misleading nature of the webpage for cookware, I would like both transactions of {$6.00} and {$140.00} reversed and credited back to my credit card balance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX as well as their collection agency XXXX. XXXX informed me that XXXX XXXX XXXX closed the account and are no longer attempting to collect on the debt. They were reporting the account as open to Equifax and that was recently disputed and resolved, however, they are reporting a past due amount and payment history which are both violations for a charged off account. I disputed this and they refused to correct the error. I attempted to contact them about the matter and they said that there was nothing that they could do and both collection companies kept giving me the run around. I am asking that this be deleted from my report as it as been reporting inaccurately for years now.
Product: Credit reporting 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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my Experian report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : XXXX*An explanation of what this alleged account balance is for ; **A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; **Documentation showing I agreed to pay this debt ; **The agreement that grants XXXX   XXXX  authority to collect on this alleged debt and a copy of their state license, including license number. 

Ms XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report.
Product: Checking or savings account

PAYPAL Case ID : XXXX Disputed amount : {$590.00} USD Buyer info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX, TX XXXX XXXX reported XXXX XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX This is a problem related to several cases of fraudulent activity on our website ( XXXXXXXX XXXX XXXX XXXX ). This is one of the cases that was closed in the buyer 's favor with no investigation of the reported case to PayPal.

Several unauthorized purchases were done through our website without us noticing it. We sent out the items purchased to find out later they were fraudulent purchases. We reported these purchases to our website platform and to PayPal, our checkout platform. 

PayPal at that time told us the transactions looked legit and there were no claims at that time and they could not do anything. I insisted because the orders kept coming in, I reported the IP addresses as coming all from XXXX ( I reported it to them as well ) and basically I could not do anything about it. 

Then the cases against us for unauthorized activity came through, we have 2 closed cases with a chargeback in favor of the buyer and 4 open cases, there will be more coming.

After 100 min on the phone and 6 transfers, I spoke finally with a supervisor ( XXXX ) at XXXX XXXX  who noticed that the tracking number provided for the case had not been submitted to the credit institution for proof of delivery and assured me the chargeback would be credited to our account until a new revision of the case was done. That did not happen, instead, I received an email from a person in PayPal XXXX telling me that they understand we are upset and to contact them through the message center. 

The message center now tells me that the credit institution has the final saying and PayPal has nothing to do with it. 

PayPal authorized these transactions even when they did not meet their criteria ( unmatching zip code, address and/or XXXX  ) XXXX PayPal assures its clients to have high technology to detect fraud and that we can rest assured of transactions being monitored. They also encourage us to report suspicious activity and fraud for them to act in our favor. 

Not the case. They insist to treat every transaction separately and wait until the buyer places a claim. 

Meanwhile, we sent out thousands of dollars worth of merchandise to who knows who, because the addresses do not belong to the buyers. That means somebody is picking up tractor parts all over the US through this fraud. 

I hope you can get in touch with the involved parties and report that this family business is not responsible for the reimbursement of thousands of dollars to people victims of fraud. We followed the good practice to have a platform offering security and support in these cases and they failed, I am sure PayPal has coverage against fraud as well as the credit institutions.
Product: Credit card

The fact that I always make timely payments on this account is causing me a great deal of XXXX  I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Checking or savings account

Ive tried to explain to them that my previous accounts were hacked and compromised and I also sent them several emails with my correct government information. Like my SSN, State Driver 's license which has my correct full name, date if birth and address of residence. This is not right and it's wrong. Cash app needs to be shut down. Cash app has been playing trucks a doing misappropriate things. Several people have complained. It's a aggravating problem to deal with especially when you are an honest person. I just want to be able to open a cash app account and have one again.
Product: Student loan

I have a student that was serviced by XXXX and I have been paying on it since XX/XX/2019. The loan was consolidated by Fed Loan Service, and they offered a loan forgiving program for Public Service Employees. I  requested an income sensitivity plan as part of the loan forgiveness program. 

The company placed me in a program to forgive my debt within 10 years ; however, I found out that the program is more window dressing than actually serving the best interest of the clients. My pay was sent to {$880.00} dollars per month which over the life of the loan would be {$100000.00} which would have settled all debts. I explained to them that I have other bills that I have to pay as well. I struggled for months until XX/XX/2019, and I finally realized that I could no longer survive this payment amount. On XX/XX/XXXX, I went to pay a bill online and my card was declined because of not enough money in my account. Luckily I was able to borrow some money to help pay that bill as well as my car note and insurance. 

On XX/XX/2019, I contacted the company and asked for my loan to be postponed because I am having issues making ends meet. The service rep suggested that joined the repaye program which should lower my payments. However, I believe it is more window dressing because I will still have to submit a form from my employer to certify that I am still a public service employee. This seems more like windows dressing because the rep stating if my income increases, they would take more money. 

On XX/XX/2019, I emailed the company and provided reasons as to why I could not afford to pay close to {$900.00} per month and total expenses including all loans of {$2900.00} per month. I explain that I have rent, a car loan, and credit card payments due around the same time as their payment. It leaves little to no money left out of my paycheck. 

Also, I asked them to cancel my repaye application until I had an opportunity to plan the best course of action. I may opt to do the 25 years fixed payment plan because it will provide a low fixed payment. I have been thinking about that all day because it might be their mode of operation to force people to chenge to 25-year plan. 

I need to resolve this issue before I go bankrupt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION XXXX of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section XXXX of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : 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/XXXX
Product: Credit reporting or other personal consumer reports

My car was a total loss in XX/XX/year> by XX/XX/year> XXXX XXXX took ownership of the car. XXXX paid the remaining balance and XXXX paid too. A balance remains on my credit report along with XXXX past due payments that were not past due. I called the bank and they refused to talk with me about this. I was transferred to someone else who also refused to help with the account. I reported this information as incorrect on TransUnion and XXXX credit agencies. This is causing issues with my mortgage company and my credit report. XXXX XXXX  took ownership of this car and made payments. I am not liable for anything else on this car.
Product: Credit reporting

This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student loan agency XXXX XXXX had a technical issue and was issuing me a statement every month for a quarterly repayment plan ( requesting I pay the quarterly amount every month which is 3x the normal amount ). I tried to fix the issue and despite over paying for many months no resolution. I tried to fix the issue with the school instead. But the payment was due and it became late despite overpaying and paying monthly for many consecutive months for a quarterly payment due. The school apologized and waived the fee and XXXX retracted the late payment notice from my credit report. Both XXXX and XXXX show no late payments for the two XXXX XXXX loans but Equifax shows missed payments. Ive sent them a dispute resolution and have asked them to remove the late payments to be consistent with the other two reporting agencies, but for an expecting resolution with their site being broken ( server not responding or down ). The link they send me every week doesnt work to check my resolution, my credit report still hasnt changed, I go to their main website and try to check the status of my dispute and it goes to the same broken server site. Ive tried well over 20 times At different times ( morning, afternoon and at night ) and days ( weekdays, middle of the week, weekends ) over the past 3 weeks and the same issue. An email to them comes back with no response or replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continually decreases my credit score unfairly and practices deceitful trade practices. 
I have paid off a car loan and financed another vehicle. However, TransUnion shows the previous car loan as " closed '' instead of " paid out '' causing points taken from my excellent credit score. There are inquiries that were not made and should have fallen off. Lastly, when I use my credit cards and pay them off within 30 days, drastic points are deducted from my credit file for small purchases -- meaning I have a very high amount available but may use {$70.00} out of a {$5000.00} line of credit. TransUnion has continually negatively affected my excellent credit score with prejudice and inaccurate information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CAsh App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( EFTA ) and Regulation E. THese actions have caused significant inconveniences and financial loss, and I seek appropriate redress for the violations.
Product: Debt collection

They keep calling me frequently about 34 times a month from different numbers asking me for my information telling me about the debt when I already know and I know that I paid the momey i owed but they continue to add late fees to the account.
Product: Money transfer, virtual currency, or money service

I have been using western union for over 20 years western union block my account for no reason and requested that i appeal or write to them upon doing that they apologized after 45 days and alledged that my account have no problem that it has been all cleared i attempted to use it again i was block for nor reason hence the complaint because this a gross violation of my right as a consumer.
Product: Vehicle loan or lease

Huntington Bank double charged my checking account for my loan. It put my checking account in the negative, I called to get my money back they told me I had to wait for a check even though I am now broke right at the end of XXXX when bills come through. They told me the check would send on Wednesday XX/XX/XXXX and that it would be overnighted to arrive on Thursday XX/XX/XXXX. I have yet to receive a check and it is Friday XX/XX/XXXX. I got in contact with Huntington today XX/XX/XXXX about the check. I was told they have yet to even send the check and it wont be here until XX/XX/XXXX at the earliest. I currently have no money to pay bills which I expressed to Huntington due to their own mess up, yet they will still not provide any help getting the money back in a timely manner.