23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a Graduate student loan with Citizen 's bank in XX/XX/2021. The representative on the phone gathered my personal information as well as my father 's ( co-signer ) and filled out the document " Student Loan Application/Promissory Note '' with all of the details we discussed. However, the representative filling out the document mistakenly checked off the box for " No deferment/Immediate Repayment '' even though it was made very clear that I would like to defer my loan since I do not graduate until XX/XX/2021 and will not have the financial means to pay it back. Although it is true that I did review and sign this document myself, I had trusted that the representative had filled out the form correctly. In addition, the box that was " checked off '' with the X on the document was filled-out electronically. So the " X '' wasn't even in the box! It was misaligned and hovering above the box, making it very easy for someone to miss! 

Citizens bank uses XXXX XXXX to handle loans in re-payment. So last month I was notified that I had to repay my loan starting XX/XX/2021. When I called XXXX to ask them about this, they said that this could be corrected as long as my school sent them a signed document stating my graduation date. I was told this would ensure loan deferment until after I graduate. Several weeks went by and I noticed on my XXXX account that I was still required to pay back the loan on the XXXX. I called again, XXXX confirmed that they received the document from my school, and they assured me that it would take several business days until I would see the deferment status on my online account. Today XXXX XX/XX/XXXX ) I noticed that I still had a payment due on the XXXX. I called XXXX and that's when they told me my request for deferment was actually denied because when I filled out my citizens bank loan document, I was the one that checked off " No deferment/Immediate repayment '' which is a false assumption because the representative at citizens was the one that made this mistake. 

So I called citizens bank today so straighten this out, and they told me that there's nothing they can do because I was responsible for reviewing the documents before signing them. But how can I do this when the check marks on the document are not clear? And shouldn't representatives be competent enough to not make huge errors like this? What they should do is pull up the recording of that phone call and hear me tell the representative that I want to defer my loan. They should honor my original request and take accountability for their mistakes.
Product: Mortgage

Fay Services has not paid my school taxes on 5 properties for XXXX and I will be going into collections on XX/XX/XXXX. Ive had nothing but several issues every single month with this company with traces or insurance. I contacted them XX/XX/XXXX. I spoke to 3 different people and got no where. No one could help me. I emailed someone and I have not heard back from them. They have also placed wind insurance on my mortgage for {$690.00} a year. They never asked me about it or sent me any documentation. According to my insurance company, I am covered for wind insurance and should not be paying the extra charge. 

Fay services XXXX XXXX XXXX XXXX TN XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Bank account or service

I called Citibank and paid for $ I owned them but they still blocking me from apply for a new credit card. I am working for credit card company, have a perfect credit history, also been bankfile with them for years ( over 30 years now ). Since Costco start offering CitiVisa, for my convinience, I applied once and was declined at Costco. I can go and apply for $ XXXX but not able to get a CitiVisa. This is crazy and shameful.
Product: Credit card

I applied and was approved for a Capital One credit card with a 0 % APR. The promotional offer was set to expire on XX/XX/2024. The total balance was paid in full on XX/XX/2024. However, Capital One assessed interest rates on the remaining balance throughout XXXX. After speaking with Capital One representative, he informed me that the balance had to be paid off in XXXX, which makes no sense if the promotion was set to expire on XX/XX/24. I have utilized this type of promotion in the past and have never had a similar issue in which the balance must be paid two months before the offer expires. 
Furthermore, there is no indication in any of the monthly statements of when the promotional APR is set to expire, which is not the norm in any of the other companies I have utilized. All of the statements I have from other credit cards clearly show when the promotion expires. I had to call to figure out when my promotion had to be paid in order not to incur interest charges.
Product: Checking or savings account

I opened the account about 4mns ago, bank charged me a service fee on month 2, I called them and asked to cancel that fee based service and refund my service fee, which they did. 

Last month and this month I found the fee back again, I called them and they confirmed that I cancelled the service 2mns ago but they said they can't refund my last 2 fees ( totaling {$70.00} ) even though the service was cancelled 2 mns ago. 

I asked to escalate to a manager, they said someone will call me back and of course, no one ever did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own or consent nor benefit the information on my credit score, such as late incorrect late payments from west gate resorts, false charges from XXXX i owe nothing or any negative consensus. Multiple violations of my rights have occurred just 18 usc 8 states natural man can not obtain debt congress law of year 1933. Not only did it happen but it enables me from increasing my credit extension possibilities just do to the liable written on these public platforms we call XXXX XXXX XXXX and the 6 secondary bureaus. These must be blocked and deleted at once.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Filed a chapter XXXX two years ago, credit was never locked as I was told it would be, was overcharged on a car loan ( XXXX admitted mistake ) but when I filed chapter XXXX no one would help {$4800.00} mistake. ONE would think the trustee or Lawyer would do something. After all I am in a chapter XXXX. This is the most stressful thing I have ever done! 

Ocwen has place a chapter XXXX on XXXX XXXX credit I did not file a chapter XXXX and I am not XXXX XXXX. They had place somebody else credit on mine in I want it removed.
Product: Credit reporting or other personal consumer reports

There was multiple accounts in my name with XXXX XXXX  that I did not open that was fraudulent. The total balance for all the accounts was {$4000.00}. I noticed this on my credit report and every time. that I disputed with XXXX XXXX they want to take so long getting the job done that they reported back to the Credit borough of being in mines so they can have more time with it because the three credit Credit Bureau Only allow 30 days and they dont allow any more time which is fine with the company XXXX XXXX they taking longer to do the investigation and reporting back to the creditors that the account is mine because it need more time. I just want this removed off of me, mess up and things like that.
Product: Debt collection

I spoke to an agent today XX/XX/21 from the collection agency EOS CCA and disputed this invalid debt. XXXX and EOS CCA are threatening my credit in the amount of {$13000.00} which legally I do not owe because the package ls did not contain my items that I paid for. I am responsible to pay for items that I order and I must receive the items which were XXXX  to be delivered however my packages had paper inside them. Legally I am not responsible to pay for an item I did not receive. I paid {$13000.00} for XXXX XXXX  and my XXXX  were not delivered so XXXX did an investigation and confirmed that the phones were lost and and no usages were done on the phone from my account. The items were never received and XXXX sent me a legal document ( s ) that came from them with my refund slips. This is my legal document that XXXX has agreed to refund me in the amount of {$13000.00} which I will attach in my complaint towards XXXX and EOS CCA. If I order an XXXX I expect to receive my ordered items which in this case I did not. XXXX  refunded me and issued my refunds after the investigation which proved I did not receive the items because the items were never activated or used under my account. The phones I ordered in the amount of {$13000.00} were for my business and the phones never reached me. There was NO USAGE on those devices from my XXXX account and XXXX did confirm there was no usage on those devices and they issued me full refunds for those devices. I have legal proof I am not responsible to pay for this debt that XXXX and EOS CCA is holding me responsible for. Please see my attached legal documents that I was given from the merchant. CFPB please investigate both companies XXXX and EOS CCA for harassing me and trying to collect invalid debt from me and they are threatening to put this invalid debt on my credit unrightfully. Thank you CFPB for allowing me to explain. Thank you.
Product: Credit reporting or other personal consumer reports

My account with ALLY FINCL 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 those account 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 payment 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.

ALLY FINCL 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was XX/XX/2022. Upon Reviewing a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. Delete the Following items as they resulted from the Identity Theft : 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 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 Balance XXXX : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$250.00} ; and XXXX  XXXX Balance Owed : {$350.00}.
Product: Debt collection

Between XXXX & XXXX of 2019 I went and applied for a payday loan here in XXXX XXXXXX/XX/XXXX at One Main Financial Services. I've dealt with this company before in serval accessions when needed. I borrowed a payday lone in which I was paying them on time. My complaint basically is that I feel I was forced into this Dept. situation in which I also know I am a fault. I strongly believe that the amount I originally applied for was not giving to me. At that time I was going through other crises both mentally and financially. I ended up going through a consolidation agency and was able to consolidate almost all of the accounts owed. One Main Financial took my account to a collection agency. I believe this agency is over charging both in interest and in money totally owed. During this pandemic that is already happening is there anything I can do or sue this collectors agency? I already started paying them the arrangement made through my council Help?
Product: Credit card

Again, my transactions get flagged as fraud and they force me to call the number on the phone and confirm all transactions over and over again. I basically can't use my credit card anymore. 
This complaint is the same as the previous one, which was fixed for a time but today I started having the same problems. 
The fraud detection system keeps flagging my card as unusual activity but without a clear pattern. For example, I used my card to buy a new XXXX at XXXX for the price of XXXX which went through. However, when I tried to buy a toy for my child for around US {$20.00}, it got flagged. The fraud system from bank of america doesn't work for me and there's no way for me to get rid of it, making my credit card useless.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. Item ( s ) resulting from XXXX that should be blocked : XXXX XXXX XXXXXXXX : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$4700.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Mortgage

I am the attorney representing XXXX XXXX XXXX in her modification and assumption applications with Ocwen. XXXX ex-husband, XXXX XXXX, has executed a quit claim deed transferring title to XXXX. Additionally, XXXX was awarded the house in the divorce decree. Furthermore, XXXX executed a written authorization giving me permission to speak with Ocwen about their file to help assist XXXX with the modification and assumption. All of these documents have been submitted to Ocwen. XXXX and XXXX both wish XXXX to obtain an affordable loan modification and get the home loan transferred into XXXX separate name. XXXX appears to qualify for an affordable loan modification. I talked with Ocwen representative, XXXX, on XXXX/XXXX/15 and his supervisor, XXXX on XXXX/XXXX/15. Neither were helpful. Representative, XXXX, ID XXXX was rude and had no consideration of the fact that proper documentation had already been sent it in and that the borrowers have been caught in this unfortunate situation for an unnecessarily long time due to Ocwen 's dysfunction. Furthermore, supervisor XXXX was unable to offer any helpful solutions other than to say that XXXX is not listed as a borrower on the account and therefore she can not apply for a modification or assumption until the account has been brought current. Essentially, Ocwen is saying that XXXX has no loss mitigation options available to her. I do n't know why they ca n't see my authorization, or proper documentation giving XXXX borrower status on the account, but I want it fixed immediately, and I want to be able to effectively communicate with Ocwen so all parties involved can move forward towards a mutually beneficial home-retention resolution that avoids unnecessary foreclosure. Ocwen 's staff repeatedly confuses the situation, fails to understand the status of the file, and in my opinion has proven to be negligent and completely incompetent. Supervisor XXXX stated position that XXXX needs to bring the account current before she can apply for a modification or assumption is incorrect and unnecessarily prohibits loss mitigation. Ocwen should be held accountable to applicable guidelines - HAMP, CFPB, XXXX all allow for this scenario of modification and assumption so that borrowers can avoid unnecessary foreclosure. Ocwen 's position discourages borrowers from saving their homes. This will continue to lead to wrongful foreclosures. This is unacceptable.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( XXXX  ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Collection Agencies Failing to Provide Written Notice of Debt and Dispute Rights Dear CFPB, I am filing a formal complaint against Spring Oaks Capital LLC for XXXX to provide me with the legally required written notice informing me of my right to dispute a debt, in violation of the Fair Debt Collection Practices Act ( XXXX ). 

According to the FDCPA, debt XXXX must provide written notice of the debt within XXXX days of their initial communication, including details on how to dispute the debt. However, I have received collection attempts from Spring Oaks Capital LLC, regarding Security Finance {$1500.00} but they have not sent me any written validation notice outlining my rights. 

I have repeatedly requested verification of these debts, yet they continue to be reported on my credit report without proper validation. Since these collection agencies have failed to comply with federal regulations, I am requesting that these accounts be removed from my credit reports with XXXX, XXXX and XXXX. 

I request that the CFPB investigate this matter and take appropriate action against these agencies for failing to uphold their legal obligations.
Product: Checking or savings account

I am a 15 year member with USAA. On XX/XX/2024 I attempted to deposit {$300.00} cash at a XXXX drive-up ATM addressed at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. I inserted my USAA debit card, inputted my pin, selected the deposit option, stated I was depositing {$300.00}, the door on the ATM opened and I inserted the XXXX hundred-dollar bills. The door closed and the ATM froze. I was unable to make any selections at all on the screen and/or keyboard. The screen was showing a message of 'do you need more time? ' with a yes or no option. my debit card was locked into the machine, and the {$300.00} was unrecoverable. I sat in the drive through ATM for about 20 minutes attempting to recover my debit card. My wife called the XXXX customer service and was told the issues we were experiencing was 'not their problem ' and 'needed to be directed towards my ( USAA ) bank. Eventually I got fed up and ripped my debit card out of the machine and went home, with the ATM still frozen. I was not given a receipt by the ATM but I figured between the cameras and debit transaction log it wouldn't matter. I recorded the event on my phone and called the XXXX police, but they refused to make an appearance. I made more attempts to contact someone on the XXXX and the XXXX and the XXXX and was told every time by XXXX XXXX  that ( USAA ) needed to file the dispute on my behalf, I did not have the 'authority ' to file a dispute against XXXX XXXX. USAA not only once, but twice sent me denial letters stating I have no proof of the event and the case was essentially closed. The letter provided by USAA stated I needed to 'pursue this issue with the ATM owner '. So, to summarize, XXXX XXXX  won't work with me and is telling me to have USAA file the dispute, while USAA is refusing to step up on my behalf and file the dispute to recover the {$300.00} from the malfunctioned ATM machine. I feel there is gross negligence in this scenario by both parties and the ATM owner as well, which did not have any visible serial numbers, emergency contact information, or other ways to identify the machine. I refuse to accept the answers from both of these banks ; this is not consumer protection. When an ATM malfunctions, I should be represented and protected by my bank and the owner of the ATM should be more than willing to rectify the situation. I firmly believe USAA has failed to request the data log of the ATM machine ; I also firmly believe this could be easily resolved by simply looking at the camera as well. I AM HUMBLY REQUESTING OVERSIGHT TO THIS VERY SERIOUS MATTER.