23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting a complaint against Capital One regarding their handling of a charge dispute following my dissatisfaction with a digital product and prompt contract cancellation. Despite my efforts to resolve this issue, Capital One has not adequately addressed my concerns. 

I entered into a {$6000.00} contract with XXXX XXXX company, facilitated through XXXX, for digital services and workshops. This total was divided as follows : {$2000.00} charged to my Capital One credit card. 
{$4000.00} financed through XXXX via XXXX. 

On XX/XX/year>, I canceled the contract after quickly realizing the product did not meet my needs or expectations. I did not engage with the product in any substantial way, as I found it disappointing and unsuitable. Following my cancellation : The {$4000.00} financed through XXXX was refunded by XXXX. 
The {$2000.00} charged to my Capital One card remains unrefunded, despite my documented withdrawal. 

Capital One denied my dispute, stating that the merchant provided access logs as evidence of my usage, which I firmly contest. I am now being asked to prove that I did not access or use the productan unreasonable request, as it is inherently challenging for a consumer to prove non-usage. I have provided all available documentation, including my cancellation confirmation and partial refund from XXXX, to support my position. 

My main points of concern are : 1. Dissatisfaction with the Product : The product did not meet promised standards or my expectations, and I quickly canceled as a result. I derived no significant value from it.

2. Minimal or No Usage : My brief initial review led to an immediate cancellation, and I did not use or engage with the content meaningfully. The merchants evidence is inconclusive in proving my personal access, and Capital One has not sufficiently considered my prompt withdrawal from the service. 
3. Unfair Burden of Proof : Capital Ones request that I provide proof of non-access is inherently challenging and not a reasonable expectation for consumers, especially given the quick cancellation and partial refund. 

I am including relevant documentation with this letter, including my contract cancellation confirmation, proof of the {$4000.00} refund from XXXX, and correspondence about the {$2000.00} charge. 

I am seeking the CFPBs assistance in ensuring that Capital One fairly considers this dispute and fulfills its obligation to protect consumers, especially in cases of dissatisfaction with a digital product. Given my documented cancellation and minimal usage, I believe I am entitled to a refund of the {$2000.00} charged to my Capital One card. 

Thank you for your attention to this matter, and I hope the CFPB can support a fair review by Capital One.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX  | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX Biased. Fix the balance information. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Mortgage

Ocwen is holding my shortsale hostage. deactivated and replaced payoff quote with same dates and {$3000.00} in extra fees days before closing. 
Approved for sale with first lender ( Ocwen ), and shortsale with equity line holder ( XXXX ) since XXXX, I got a payoff quote from Ocwen and am set to close this Friday XXXX. Today Ocwen deactivated the valid payoff quote and replaced it with another payoff quote adding {$3000.00} in extra fees, knowing that I will have to go to foreclosure if I can not get to closing before they bill me for another cycle of fees. Reading up on this practice, I discovered that Ocwen recently lost preditory lending suits, but is still abusing debtors in distress, and then suing them after they close for more money. Ocwen refers me to the Law Firm XXXX to make requests for fee reduction, and XXXX refers me back to Ocwen - a cycle completed 3 times in less than a week. Closing in on Friday. I need help. 

Law Offices of XXXX : XXXX and XXXX XXXXXXXXXXXX XXXXXXXXXXXX Ocwen Foreclosure Dept : XXXX option XXXX ext XXXX Ocwen Customer Service : XXXX
Product: Vehicle loan or lease

I have a loan with Santander, Account # XXXX, since XX/XX/XXXX. I had a total loss of my vehicle on XX/XX/XXXX. I paid my usual payment in XXXX XXXX. It was applied to my account. My insurance company issued a check to Santander for {$22000.00} on XX/XX/XXXX. Santander did not post monies until XX/XX/XXXX and did not apply monies to principal. They divided it among interest and fees. I had a warranty check ( {$1200.00} ) issued to Santander which they posted on XX/XX/XXXX and applied to principal and interest. If they had applied the total of {$22000.00} and {$1200.00} then I would not owe as much. I have attempted several times to reach a supervisor and accouinting with Santander but unable to after lengthy hold times. At this moment, they are saying I still owe {$600.00} that is valid through XX/XX/XXXX. I believe this needs to be furthered evaluated. I am trying to pay off the reminder of the balance but I feel like the monies should be applied to the principal and not interest or fees becuase more principal that is left the more interest is accrued and more money for them. Look at last image ( 2185 ), after I emailed them they always take off transaction history just like today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXXXXXX XXXX XXXX XXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX days which is required by the Fair Credit Reporting Act XXXX XXXXXXXX XXXX and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$360.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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 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 PAYMENT HISTORY LEGEND Status Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$360.00} Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit XXXX 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Money transfer, virtual currency, or money service

I have blocked a company ( XXXX XXXX XXXX  ) they are still letting them take money from me : XX/XX/XXXX {$12.00} XX/XX/XXXX {$12.00} I did notify them that I wanted my money back. 
I have blocked a company ( XXXX XXXX ). They are still letting them take money from me : XX/XX/XXXX {$.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$30.00}. On this transaction they said it was refunded back to me. He said the refund transaction was on XX/XX/XXXX. There is no refund credit on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX lot and I also went to the XXXX lot both. Both companies said that they were only run my credit once, but they ended up running my credit numerous times which really affected my credit score negatively, and I did not authorize all those inquiries. Here is a list of the inquiry below. 
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: Credit card

I sent a payment via swift attached to a federal credit union payment and it was not accepted the provided confirmation code is traditionally in there positional series I am a XXXX series banker thergoing unpaid and have not been able to pay my bill the legal assigned way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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  XX/XX/2022
Product: Student loan

This is a complaint against MOHELA. I applied for permanent and XXXX  XXXX discharge due to my VA rating. I received an email I was approved on XX/XX/XXXX. The email from XXXX stated to allow my loan servicer 150 days to process. I contacted my loan servicer several times via phone and the online chat function over the next 150 days to get a status on my forgiveness. I made contact via chat on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At no point was my inquiry answered. When I called they would refuse to answer what my status was and would only transfer me to XXXX. When I talked to XXXX I was informed my status was still approved and to allow MOHELA the 150 days to process the forgiveness. The 150 days based on my calculation would have been XX/XX/XXXX. 

While processing MOHELA did place my loans in forbearance. Today I looked and my loan is out of forbearance it states I missed a payment and I am passed due. My loans are on auto pay and the portal reflected a planned payment to be withdrawn XX/XX/XXXX. 

There are two complaints. First I am still unable to verify my XXXX discharge status with MOHELA and second not drafting a planned auto pay casing me to appear to have a late payment. I have had issues with MOHELA not providing billing statements in the past. This is just another story showing MOHELA is incapable of the administration requirements associated with student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of the inquiry glitch that happened at Transunion. I called the customer service to complain and have them remove those negative inquiries affecting my  credit score , but they would not help.
Product: Credit reporting or other personal consumer reports

I urge you to swiftly remove those fraudulent inquiries from my as it is not associated with me and is evidently fraudulent in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. EQUIFAX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS LATE PAYMENTS ADRESSES AND INQUIIES IN QUESTION INCLUDED BELOW 15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An 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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TOA CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 



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  INQUIRIES DEPT OF EDUCATION
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, AK, XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Docket Identifier XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.
Product: Checking or savings account

Someone fraudulently opened up a Wells Fargo checking account under my name ( XX/XX/XXXX ). I immediately called Wells Fargo when I received a debit card from them out-of-the-blue in the mail. I told them I had never opened up a Wells Fargo checking account and they said they would report the fraud and close the account. The case number Wells Fargo provided to me was XXXX or XXXX ( there are two numbers ). I immediately put a freeze on my credit reports with all three credit agencies and ordered a report from XXXX as well. In XX/XX/XXXX, I received the XX/XX/XXXX bank statement from Wells Fargo. I called again and they assured me the checking account was closed. Today, XX/XX/XXXX, I received the XX/XX/XXXX bank statement, so they obviously have done nothing to close this bank account XXXX. We believe that Wells Fargo is acting fraudulently in keeping this account open so that their " open accounts number '' is inflated and thus their business looks better than it really is.
Product: Checking or savings account

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint CLOSED Submitted Banking overdraft fees grace periods too bring account to positive balances, are just a scam, to further financially harm American retail consumers. 

Wells Fargo must supply to me with a copy of a document which they purportedly say I signed for overdraft fees and to pay certain bills that come through to my accounts. As far as am concerned, I did not voluntarily opt into overdraft fees but their banking or transacting system signed me up by default. Furthermore, I need evidence to support that I opted into Wells Fargo overdraft fees. 

I do not agree with excessive overdraft fees this bank continues to charge from me. I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. 

Wells Fargo also decides and chooses which of incoming transactions are paid by them at their XXXX discretion without my input or consent from consumer, which in return harms finances and causes emotional damage and despair. Thus, I need proof that this bank is not just engaging in predatory banking, and fees imposed on its vulnerable consumers. I also need a document that shows I really signed a consent to approve of their overdraft fees and discretionary payments to my creditors. Please provide proof of consent. 

I strongly believe Wells Fargos overdraft fees are excess, predatory and discriminatory to minority consumers.Therefore, I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$1.00} so that they can make profits. 

Wells Fargo bank needs oversight in its abusive and predatory banking practices and the way it treats low income low net-worth customers. 

The overdraft fees are too excessive and predatory which negatively and financially harms people of color and other low net-worth consumers. Please do something. 

They practice predictors banking and choose to decline paying or pay creditors for incoming bills to my account, but they are selective on who want what bills are paid. 

They only pay for certain transactions when they know they will make profit, with no regard to negative effects on its low net worth consumers. 

Their new tactics of grace periods to allow customers to make payment to bring accounts to positive balance is a way to cause more harm and to make more profits from Vulnerable customers especially people of color, like me. 

I need all fees charged as a result of forced overdraft fees to be refunded. 

Thank you. 

XXXX XXXX