23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen claims " Our goal is to assist every customer if we are able to do so within the established guidelines by the investor ''. How can Ocwen assist every customer when it fails at the most basic level of using inaccurate and incomplete information which in turn results in inaccurate results which costs the customer. Ocwen is the worst company I have dealt with and should not be in the mortgage lending business.   Ocwen failed to accurately evaluate my request for mortgage assistance. On  XXXX   XXXX ,   XXXX  , Ocwen requested that I " provide the  XXXX  with borrower 's assets and expense details '', see email attached. On  XXXX   XXXX ,   XXXX  , I emailed Ocwen with  XXXX   XXXX  borrower 's assets and expense details, see email attached. Ocwen has failed to accurately account for my assets and expenses that I provided in evaluating my request for mortgage assistance. Instead, Ocwen denied my request for mortgage assistance based on an inaccurate monthly gross income of {$430.00}, see denial letter attached. Furthermore, Ocwen claims to have taken into consideration borrower 's and non borrower 's income in a previous request for mortgage assistance, but continues to refuse to account for the borrower 's and non borrower ' INCOME and EXPENSES for the current request for mortgage assistance.
Product: Credit card or prepaid card

I have the Home Depot credit card through Citibank which I have had for years, perfect pay, ents I have been dealing with hurricane Irma, so I have had to make all the repairs out of my pocket, I was fortunate enough to get anything from fema or insurance didnt pay for anything, this is included insurance, this isnt included, this doesnt reach deductible so I asked them a few months ago to defer my monthly credit card pay, ent, they did for two months and thats all they can do, so they say. But other credit card companies for example XXXX, they have been very nice about deferring payments. All I wanted was for Citibank to defer the payments until XX/XX/XXXX, that way I am back to normal and I start paying, I dont think thats asking much, especially being proactive, most people would ignore it and they wouldnt respond and I didnt do that, but I have to do it in emails because the phone service has been so bad since hurricane Irma, you cant hear anyone on the phone, phone doesnt ring, what I am supposed to do????? now I am supposed to be punished for this, this is ridiculous!!!!.
Product: Money transfer, virtual currency, or money service

Hello, I called Chase customer care on XX/XX/2018 to confirm that if I made a purchase on a website and transferred money through the XXXX  service ( Chase calls it Quick Pay ) they provide ( as the website was asking me for a payment through XXXX ). I was told by Chase customer care that I would be protected and if the transaction was fraudulent then I would be able to recover my money back.

Now after I made the purchase and was transferred the money to the seller through Chase Quick Pay ( XXXX ), I never heard back from the seller and neither did I receive the product I ordered.

I called and informed Chase and they opened a claim but now Chase is denying to help me and they say they cant help recover my money back. 
I would not have made this purchase if I was told that I was not going to be protected and may loose my money. I feel Chase should Credit the money into my account as it was a chase employee who gave me incorrect information and i should not loose money due to being misinformed.
Product: Credit card

I am writing to dispute a charge of on {$94.00} from XXXX XXXX XXXX XXXX to my credit account on XX/XX/2023. The charge is in error because I paid cash for the rental of the golf cart because my credit card was declined. I thought it was declined due to being in XXXX on vacation. After paying cash, I called Barclays and asked why my card was declined and the rep said there is no decline nor any attempts of a charge from XXXX XXXX XXXX XXXX. The Rep said it could be a bad internet connection and the terminally probably declined it. The rep assured me my card was not charged and had no pending authorization. I was shocked to have seen a charge for {$94.00} for the XXXX XXXX XXXX XXXX. I emailed XXXX XXXX XXXX XXXX to request a refund and they said they have not received a bank credit under my card number. Also, they said I paid cash. They provided me a copy of the paid receipt! 

I mailed all the copies of the email communication. Copies of the receipt of the paid invoice of cash. Along with email documentation from XXXX XXXX XXXX XXXX indicating I paid cash and requesting that I dispute the charges with my credit card. Please correct the error on my account promptly. 

Barclays responded in a email saying I did not provide them with sufficient documents. I emailed them a copy of the receipt saying paid. 

I have an email and a phone conversation from the XXXX XXXX XXXX XXXX saying that I paid cash.
Product: Debt collection

Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Debt collection

I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.
Product: Credit reporting or other personal consumer reports

I recently disputed a few items on my credit report in XXXX. It appears my entire report was deleted, which violates FCRA Section 602 ( b ) requiring accurate information. In a letter dated XX/XX/2024, I informed Equifax of this mishap but my most recent report still shows that everything has been wiped away even my name. 

Please rectify the disputed items and reincorporate my positive payment history with the following creditors ( attached is proof of my credit report ). Please see the items being reported to XXXX and XXXX and add the accounts back to my credit report including my personal information such as my name, address, and dob. I have included my credit report and identification for your reference. The items that are to be added back are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXXDEPT OF ED XXXX XXXX. XXXXDEPT OF ED XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I expect a resolution within 30 days.
Product: Checking or savings account

Bank of America/XXXX XXXX deliberately manipulates deposits and incoming charges to generate overdrafts fees. Overdraft fees are a huge revenue stream for them and I think it is grossly unfair of then to take advantage of the public in this manner. What can we do to get then to stop this reprehensible practice?
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end

processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a pay
ment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that XXXX, XXXX, and Transunion, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.
Product: Vehicle loan or lease

I'd like to report a dealership from denying my husband to be a cosigner with me. On XX/XX/XXXX, my husband and I went to XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX. They ran his credit which pulled XXXX at that time, and salesperson came to us and said his credit was very good and should be no problem and that we just needed to wait for the finance person so we can close the deal in his office. Fast forward the manager and finance person did not allow my husband to be on the loan and car title with me for the reason that Nissan Motor Acceptance Company aka NMAC does not allow ITIN to be on the loan. Before making the credit application my husband asked the salesperson if ITIN was allow and he said yes, also in their website clearly states provide either SSN/ITIN in the field box for the credit application request directly from XXXX XXXX XXXX. ( I will be attaching a screenshot for credit application ). Decided to trust their words and we made the deal without my husband in the loan. Next day my husband called NMAC ( Nissan Motor Acceptance Company ) and ask them directly if ITIN is allowed and got multiple answers from different representatives that ITIN is allowed to apply and obtain a credit with them. We went back to the dealer to talk with the manager and explain what NMAC had told us over the phone, but they did not seem interested in fixing what was already done. This cost him a hard pull for no reason and an we paid an additional {$220.00} from the DMV ( Department Of Motor Vehicle ) because I did not had a plate under my name and had to get a new one, however with my husband on the title we could have saved {$220.00} from the DMV for having a plate available to be registered on a new car, but we weren't able to use it since they did not allow my husband to be on the contract with me. He is the primary driver and makes all payments on time from the beginning. He has already gotten a SSN earlier this year, so he no longer have an ITIN. Either way ITIN and SSN are allowed by NMAC and we can confirm this information since we made several calls to NMAC and was told ITIN is allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following credit bureaus, XXXX XXXX   and Transunion to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX
Product: Bank account or service

I called to put extra security on my bank account since someone had all my personal information. Weeks later I called in to see why they had not resent my debit card. Come to find out they had my address wrong ( I have had them resend it a few times and still do n't have it and they have not corrected my address even though I have requested them to every times ). They never put any security on my account that I requested even after asking for it more than a couple times. Every time I call they just say. I 'm sorry. We have no record of that! I have unable to access my account for months
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. XX/XX/year> SS # XXXX The information about bankruptcy is inaccurate, and I contacted both the court and the credit bureau to address the error. The court confirmed that it does not provide information to the credit bureaus. I then contacted all three credit bureaus with this explanation from the court. While XXXX removed the error, TransUnion and XXXX have yet to do so. I sent certified letters with return receipts requesting the identity of the information 's source. The bureaus responded, claiming the court was the furnisher, which the court has denied. Therefore, the bureaus have failed to reveal who actually furnished the information. 

According to The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to disclose the source of information on a consumers credit report under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, this section of the FCRA mandates that, when a consumer disputes information, the credit bureau must provide the consumer with the following after completing their reinvestigation : A written notice of the results of the reinvestigation. 
The contact information for the furnisher of the information if the information has been verified as accurate, which includes the name, address, and phone number of the furnisher. 
This provision ensures transparency, allowing the consumer to know the exact source of the disputed information, especially when there's a disagreement regarding its accuracy. If the credit bureau fails to disclose this information, it may be violating the FCRA.
Product: Mortgage

I have been working on a loan modification with Ocwen financial for over a year now each time they tell me my file is complete for processing but when we are to finalize any type of agreement there is ALWAYS an issue " missing '' documentation " expired '' signatures which I realize are STALL tactics on Ocwens part~ The latest excuse is that a letter from my boss WITH my tax returns AND a XXXX are NOT sufficient proof regarding a stipend my employer pays me each month~ our Mortgage was held by GMAC up until a few years ago where our mortgage payment jumped up close to {$450.00} a month with NO explaination as to how this new number was calculated AND there are " insurance '' premiums tacked on to my mortgage that I NEVER SIGNED FOR OR REQUESTED! And as of last week my husband is unemployed and no longer has proof of income ( which Ocwen always rejected his pay stubs from his employer anyway Its ALWAYS an excuse with Ocwen. I recently started researching into this company and have come to find that they stall on most modifications and are happy to pay the fines involved as they fare much better financially by screwing strapped homeowners around and paying the fines than running their business ethically! There have been XXXX ( im number XXXX ) NJ consumer complaints against Ocwen in the last year ( XXXX XXXX to XXXX XXXX XXXX. My credit which has been pristine is now totally destroyed and I am in grave fear of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX fraudulent inquiries listed on my XXXX credit report that I have tried over and over to dispute to no avail with XXXX. It's mighty XXXX that they will acknowledge the fraud alert and place it on my credit report but not remove the fraudulent information which makes absolutely no sense. The inquiries are as follows : XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX And on my Transunion report the following inquiry has been fraudulently placed and I have tried over and over as well and I tired of trying with both of these agencies and it shouldn't be this way for something that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT reports that all my loans are charged-off. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? These are the following account numbers : XXXX, XXXX, XXXX, XXXX, There are 10 Loans in total.
Product: Checking or savings account

Over the course of less than 30 days, I was charged {$130.00} for four overdraft fees by Chase. When I asked that any or all be reversed, I received a message advising that they can not reverse any fees but suggested that I avoid fees in the future by making more deposits?? 

First, {$34.00} per single overdraft is excessive and should be reconsidered and reduced. Not only because we are in the middle of a pandemic, but because it seems usury in general. 

Second, deposit more money is an extremely tone-deaf response. Thank you for letting me know that you will charge me LESS in fees if I simply have more money. If this isnt taking advantage of low balance customers, I dont know what is.
Product: Credit reporting or other personal consumer reports

hello i am reporting that XXXX, XXXX, and trans union are all reporting my educational records on my credit report ... according to The Family Educational Rights and Privact Act ( FERPA ) states that you can not add any of my educational records to my credit report without my permission... i submitted a dispute through all three and they ignored it so i want to hold them accountable financially. the law states that each violation on my credit report is up to a {$1000.00} fine and i want this imposed on all three credit agencies for ignoring my first dispute for this exact reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX accounts XXXX and XXXX were closed XX/XX/2019 but is showing as " past due '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as past due. This inaccurate information is causing harm to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts because other Bureaus corrected it ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}