23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Ocwen. I experience some financial hardship and fell behind on my payments. During this time I was put on forbearance and subject to late fees and penalties. Example : I was charged {$1500.00} for XXXX sale deposit and this was unfair because it never went to XXXX sale because I paid the money. I was also charged a {$820.00} Motion to Relief fee which was unfair. Also, when I became current they charged BPO fees and certified mail fees. In XXXX they only applied payments made to interest and late fees none towards principal. I should not have been charged these fees because my loan was current during this time which was XXXX. I would like to receive an reconciliation statement of all my payments. Your assistance in this matter is greatly matter.
Product: Credit card or prepaid card

This relates to prior CFPB Complaint XXXX which XXXX XXXX closed as resolved hower it was not closed appropriately and no further steps were taken to remediate the issue despite providing that feedback via the CFPB portal. 

Despite the account being closed and prior fees reimbursed, the bank continues to suffer from bank errors and charged interest on a closed account ( on fees that have been reimbursed due to bank error - same as before ) and now the account has a balance of XXXX. Additionally, only reporting for one credit bureau has been remediated as part of the prior CFPB complaint XXXX ( XXXX ), leaving the remaining bureaus with incorrect information which has decreased my score and does not allow me to get further credit ( XXXX  and XXXX ). 

Please fix this immediately and fix these systematic bank errors which are probably affecting all the customers in this situation. It seems the bank has an existing problem where after the fees have been removed/refunded, it continues to charge interest on the removed fees when those fees should not be charged. 

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

I had a bankruptcy that was discharged in XXXX. I made all my payments timely ( even during the bankruptcy ) to GM Financial. All the credit reporting agencies are only reporting the negative accounts and omitting the positive. I contacted GM financial on XX/XX/XXXX and was advised that they choose not to provide positive information because of the bankruptcy. Please advise as this seems unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was diagnosed with XXXX  and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Product: Checking or savings account

I signed up for a U.S. merchant service on XX/XX/19 for and this has been nothing but a nightmare. I feel I've been scammed. The lady who talked to me to initially onboard said that I have been way too much with other processors and she said " you'll pay almost nothing with us! ". She said that all I would EVER pay was a small percentage ( 0.5 % or so? ) for each transaction, that was to be ALL that I would every pay. No mention of monthly charges or additional charges, EVER. So she told me to just sign a docu-sign and I did. Then a few days later, a surprise, I get a payment hardware in the mail WHICH I NEVER ASKED FOR. I also saw a charge for {$53.00}. Somehow I found someone to complain to on US Bank site and the person named XXXX XXXX XXXX agreed that I was unjustly charged for something I never agreed on and promised a refund ( screenshot attached ). Weeks go by and I don't see the refund. I contact him again twice, but he decided to completely ghost on me. Today, a month and a half later, still no refund. Then, on XXXX, I see another new charge for {$35.00} labeled " XXXX XXXX XXXX XXXX XXXX XXXX '', which I have no idea what for. What the onboarding lady said was that you pay only when you use the service, in a tiny percentage. They just keep taking money from me for no reason. This is completely unacceptable. I can not remember the lady 's name but her phone number I have on record is ( XXXX ) XXXX.
Product: Payday loan

I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money
Product: Credit card

on XX/XX/2024 my card was charged without my permission of the amount of XXXX that was manually keyed from the merchant and the actual card wasnt presented i called discover credited card to dispute the transaction they denied they said merchant have a picture of some broken peace on the boat we rent and my card was charge for the boat rental on XX/XX/2024 of XXXX $ and inspection was made nothing was broken we have been regular customer then i woke up next day to see my card charged without my permission and we didnt broke any ladder on any boat discover didnt help me get the fraudulent money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX showing wrong address and names and added accounts Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to dispute Account from America Honda Finance because the account was on my report for 7 +years. I disputed this account with all 3 credit bureau and XXXX is the only one that deleted the item. XXXX and XXXX still remain on my credit report. The amount is {$9000.00}. I have been fighting this for 5 months now. Can you please reinvestigate. I would highly appreciate it. Thank You.
Product: Debt collection

Portfolio Recovey filed law suit, my attorney requested pfoof of ownership of the debt, validation, the failed to validate the debt, previously and reporting debt to XXXX Credit Bureau and refuse to remove it. 
Law suit was dismissed because the Plaintff, Portflio Recovery, failed to appear. Sent email and letter to Portfolio Recovery XX/XX/2016 requesting removal based on the fact that they failed to validate debt and the statute of limitations had expired. No response from Portfolio to date.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the most recent XXXX and XXXX Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Debt collection

Please do what is right! What is correct and honest! If I have to pay something I will do it. ( This is not a valid bill ). But this is a fraud! I'm very honest person, serving at XXXX XXXX. Please help me! This company : XXXX XXXX trying to get money from people. 2 years ago I had a serious problem with this fraudulent company. And I didn't report them. Now I have to! They reported a false collection to XXXX. Why false? Because they don't have enough proof. They don't have details, or an explanation showing step by step where the bill came from ... Here 's the information : Original Creditor Name : XXXX XXXX ; AMOUNT {$150.00}. I had no idea! I didn't know anything about that. I contacted them, they sent me a fake bill that anyone could make it very easily using XXXX or any XXXX App.. I also had to contact XXXX and you know what? They didn't have any details of where that {$150.00} came from ... After fighting with CONVERGENT and talking with many people they removed that false collection from my Credit Report. ( On XX/XX/XXXX ). On ( XX/XX/XXXX ). I saw on my credit report the same collection again that it was removed from my Credit Report 2 years ago! How was possible? If the collection was removed 2 years ago? I felt so bad ... Do I have to call the police or what can I do? I don't know if it's a joke or what? ( IF THE COLLECTION WAS VALID, IT MUST BE ON MY CREDIT REPORT FROM XX/XX/XXXX ... BUT IF THEY RECOGNIZED AS AN INVALID COLLECTION AND IT WAS REMOVED FROM MY CREDIT REPORT IS BECAUSE IT WAS AND INVALID, FALSE COLLECTION CONSIDERED AS A FRAUD BY XXXX ). And I also asked to this fraudulent company ( XXXX XXXX ) today XX/XX/XXXX Why they are not doing what the law required? They must send me a letter, notice and give me 30 or 60 days to respond to your letter, but they DIDN'T SEND ME ANYTHING ... I also request them a bill, but not a fake bill created by them, but a real bill with details, and they refused. They didn't have an answer when I asked them why they are against t law ...
Product: Credit card or prepaid card

I pay if full {$73.00} on XX/XX/XXXX the HSN card and the agent told me that the account was pay in full. Now all of sudden they charging me late fee again since XX/XX/XXXX. I call XX/XX/XXXX and the attitude of these agent are unacceptable when I am very sick having health, XXXX   problem and have been diagnosed with XXXX XXXX XXXX XXXX. I told the agent if the bill was due on XX/XX/XXXXwhy didn't the agent that took the payment didn't tell me there will be a late charge. He claim she could have not see the late fee. Which we all know that is a lie. One day late and XXXX XXXX post the Late Fee fast and start to call and harass customer.
Product: Credit reporting or other personal consumer reports

By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is Equifax, XXXX, XXXX  reporting late payments on my credit report?

15 USC 1681a 2 ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report.

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' immediately.
Product: Debt collection

I believe my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Charter One Bank private student loan is part of the lawsuit against XXXX  for fraudulent collections. I also believe there is supposed to be an audit occurring on those false judgments per the order of the Consumer Financial Protection Bureau lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I took out a {$15000.00} private student loan through XXXX XXXX XXXX XXXX XXXX, the lender was Charter One bank. In XX/XX/XXXX, I have documentation showing I took out another {$15000.00} private student loan. I do not know if it was through XXXX, but the lender was Citizens bank. I had been making payments on the XXXX Charter One student loan until I became unemployed in XX/XX/XXXX. I believe these payments were made to XXXX XXXX XXXX ( XXXX ) at that time. In early XX/XX/XXXX, I started receiving legal documents as attempt to collect debt for the XXXX XXXX XXXX loan. It resulted in a judgment placed against me by XXXX. The XXXX XXXX lawsuit matches the information in the complaint and judgment I received. I have been making payments for the XXXX Charter One loan to a collections law firm, XXXX and XXXX, XXXX since XX/XX/XXXX. XXXX and XXXX have made several different payment arrangements with me as I attempt to manage my XXXX Bank private student loan and government student loans. I currently make monthly payments directly to XXXX and XXXX ( through automatic withdrawal from my checking account ). XXXX and XXXX have stated they will review my income annually and adjust my payment plan accordingly. 

I have no recollection of making any payments toward or receiving collection notices on my Citizens Bank private student loan until XX/XX/XXXX and am curious why it took them so long to attempt to collect from me. 

A friend recently advised me to stop paying XXXX and XXXX and file a complaint with the Consumer Financial Protection Bureau to determine if XXXX and XXXX is supposed to be collecting payments on behalf of XXXX and the Charter One loan. My friend informed me that XXXX is not a collection bureau or a lender, and therefore, placed a judgment against me illegally. 

I would like to know/understand what is going on with XXXX and who I am supposed to be making my Charter One private student loan payments to and if I can get my money back if my payments have been handled improperly. I would also like to know if my Citizens Bank private student loan is associated with XXXX. Id like to try to refinance my private student loans, but it seems undetermined if my XXXX/Charter One judgment is legal.
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

After I had filed a dispute for unauthorized transactions with a bank for the amount of {$2800.00} with an online casino called XXXX who I did not have an account with at the time causing my account to not be in good standing after the provisional credit had expired after the investigation was done and they had a resolution to this, which I had contacted chime and requested to amend their decision, which they agreed to send me paperwork regarding their decision so that I may do so in a timely manner, but I never received anything from them regarding my requests so that I can amend this false decision made by this company, because I had proof that I had sent to them, but they still did not accept it. I had contacted XXXX as well to file this unauthorized charges that were made to my account, but they were no help either. One good proof that I had sent to chime was an email from modo.us asking me to verify this account with them with my information, meanwhile they had been charging my debit card with numerous charges from them which should have not been done if I did not verify an account with them. After they lied to me and said that I was verified with their system is when they sent me an email to verify myself, which I did not verify myself with an account that did not belong to me or they would have tried to tied those unauthorized charges to me. Chime never took into consideration my requests nor did they look more deep into this since I was not the one who made these charges and realize that the charges did not belong to me, because I know that they did not belong to me, yet they did not do a good job with looking into it especially when I have provided the main proof they needed with the account with modo.us not being a verified account so no money should have been taken especially from an account that was not verified with myself.
Product: Vehicle loan or lease

On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX  because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Product: Credit card or prepaid card

As a result of Hurricane Harvey my wife lost her job and I struggled getting work ( because of closures, etc ) so I could not make 4 monthly minimum payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One ( visa  ) cancelled my account and offered making monthly payments to " reduce balance owed and stop discharge ''. Those monthly payments offered were similar to the minimum amounts set for my account prior to my financial crisis so I accepted and made 4 payments of ~260 each : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX ( shortly after I made the XX/XX/XXXX payment ), I received an email stating that my account is still 4 months due - threatening to discharge and with basically the same balance showing in XX/XX/XXXX. Confused I called Capital One and the explanation is that my payments go to the prior months but the current months are still being charged along with interests and that is why my payments " do not help my situation at all ''. I asked a supervisor to call me to find a solution because it seemed that I was only giving my money away without improving my situation. They promised the will call but never did so I called and after several hurdles was able to talk to a supervisor who confirmed my payments are not helping, that the only way is to start making payments " twice a month '' ( so, double the original plan ) in order to start seeing some change in my situation in the next 5-6 months. Of course I told the supervisor that having known that my ~1,000 dollars will have zero improvement in my situation, I would not have agreed originally to the plan and would have looked for other solutions. So basically I feel I was tricked into a plan in order for Capital One ( visa ) to take 1,000 from me and still owe the same balance before they took the money ( double profit ). I asked the supervisor if there is any other plan or solution because I was not going to continue to give my money away for a credit card that I can't even use and was cancelled since XX/XX/XXXX (  without asking or calling me ). She said something like : " there is no other way, and you are almost getting discharged and your credit will be impacted for 7 years, so its your choice ''.
Product: Credit card or prepaid card

i opened a prepaid debit card account with XXXX after my release from XXXX  In GA, as XXXX  is associated with J-Pay the administrator of XXXX  trust accounts for the GA dept. of corrections. Initially the debit card was associated XXXX account no. XXXX. At some point the associated account became XXXX account no. XXXX without any notice. There must have been a reason for the account change, my guess is some irregularities took place that the bank did not want me to discover.
Product: Checking or savings account

TD bank sent my bank mail to my father I'm New Jersey. I have not lived there in 2 years. He obtained access to my account t and made an email for access to my account and statements. I had to go to the bank to change my address back, change my email, and file disputes. The bank eventually a fraud report and closed the account. This took several trips and calls to to the bank before any action was taken.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many items which opened without my consent were still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit information. The dispute items were misleading. Im attaching the required new FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items were correct I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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