23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I'm the co-signer with a Navient account. This loan started in 2008 at {$15000.00} and now the balance is {$11000.00}. I have automatic deduction from my bank account. The accrued interest just went up this month to {$54.00}. My payment is {$130.00}. The interest rate went up to 5.75 %. I had no warning. I called about this today and the person helping me ( kids playing in the background ) just kept repeating what was on my bill over and over. At this rate, I will be dead before it's paid off. She let me know my interest rate was better than most people. If this was a car loan, no one would buy a car. I just had to vent.
Product: Debt collection

Midland Credit has repeated attempts to send me letters that has nothing to do with me. They have repeated broke 15 usc 1692b, 15 usc 1692 f, 15 usc 1692 e, including other violations. They have even made claims that I made payments to them and have plans set up and I have never talk with them and they never respond to my letters.
Product: Checking or savings account

Subject : Unauthorized Federal Withholding Tax Deductions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citibank for unauthorized deductions of federal withholding taxes from my Citi Accelerate Savings Account. Account numberXXXX. 
I have been a Citibank customer for approximately five years. Recently, I noticed that Citibank has been deducting federal withholding taxes from my savings account for the past two years ( They charged federal withholding tax monthly, based on my remaining balance, from XX/XX/XXXX, to XX/XX/XXXX according to mobile app. The amount deducted was calculated as a percentage of my remaining balance at the end of each month ). However, considering the account 's age, it's highly likely that these unauthorized deductions may have been occurring since the account 's inception.

When I inquired about these deductions, a Citibank representative informed me that the bank had received a C-notice from the IRS, which mandated these deductions. However, after contacting the IRS, I was assured that no such notice had been issued to Citibank. The IRS representatives from the individual tax account specialist, tax law, federal backup withholding and balance due departments confirmed that my account was in good standing and that no federal withholding taxes were due. The IRS representative also told me that they would send a notice to me in the letter if necessary but not to the bank which I have never received such a notice. ( Also, I have 7 savings accounts and only Citibank charges me monthly federal withholding tax ) Despite providing evidence to Citibank that the deductions were unwarranted, the bank has failed to rectify the situation. I have requested a copy of the C-notice to substantiate their claim, but Citibank has been unresponsive. Additionally, a Citibank representative promised to reverse the fees, but as of today, no refunds have been processed.

I believe that Citibank has wrongfully deducted these fees and is in violation of consumer protection laws. I am seeking a full refund of all unauthorized deductions, including any interest lost as a result of these deductions.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Citibank.

Resolution : I expect Citibank to : * Full Refund : Immediately refund all unauthorized federal withholding tax deductions, including those that may have occurred within the past five years.

* Interest Compensation : Compensate me for any interest lost due to these unauthorized deductions.

* Transparent Explanation : Provide a clear and detailed explanation for the unauthorized deductions.

* Account Review : Conduct a thorough review of my account to ensure no further errors occur.

* Prompt Resolution : Immediately process the promised fee reversals.

Thank you for your time and attention to this matter. Sincerely.
Product: Credit card or prepaid card

Hi CFPB, On our around XXXX I applied for a Discover Credit Card. In XX/XX/2021, I experienced fraud on my XXXX & Discover accounts. My accounts were compromised, specifically my XXXX phone number was forwarded by the scammer through XXXX Customer Service & my discover card was charged even though card was in the mail or in my possession. 

During the claims process, I advised Discover that my phone number was compromised, that I did not set up a pin via phone on XX/XX/XXXX, that I was out of town on XX/XX/XXXX, & that these charges were fraudulent. Additionally, in a signed affidavit I explained that my phone number was compromised & that the charges were unauthorized. XXXX the Supervisor said I am currently responsible to make these payments as their investigation found that I was the one who made these charges. 

Discover Credit Cards has reversed the unauthorized charge temporary credit, and held me responsible for the $ XXXX in fraudulent charges. Please have someone help me as Discover has not honored their identity theft / fraud protection program which I expected to cover me. I can not afford {$1400.00} in charges so please help.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I have reached out to XXXX XXXX XXXX XXXX regarding the validity of the debt, but they did not provide any proof of the late payment status on this account. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. It is important to me that my credit report is accurate and up-to-date, which is why I am requesting that you either provide proof of the late payment or delete the negative payment status on this account. Please keep me informed about the status of this dispute, and provide me with any updates or documentation related to this matter. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX  Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts were opened in my name with XXXX XXXX XXXX XXXX, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to XXXX XXXX. My identity was stolen. I have already reported fraud to the company XXXX XXXX on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my credit score has been effected.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report XXXX credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within XXXX business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I currently have two student loans with Navient, one for {$29000.00}, the other {$27000.00}. I have been paying my loans faithfully for the past 8 years since I graduated. Most of my payments have gone toward interest, and I currently owe more than the initial amount I borrowed. In XX/XX/2017, a quarter of my work hours and salary were cut, which made me unable to keep up with the burden of the {$440.00} monthly payment. I contacted Navient as soon as I could to request a forbearance, which was granted in XX/XX/2017. Unfortunately, they granted me a forbearance for only two weeks from the date of approval ( PDF attached, notice the dates ). One month later in XXXX, I lost my job due to budget cuts and financial hardship in the company. Since the initial forbearance was already so short, that was not enough time for me to get on my feet again. Even before I lost my job I was struggling with this payment because I was only making {$1700.00} per month, {$20000.00} annual salary. As it was, I was paying a quarter of my income toward these student loans, which is nearly impossible since I live in XXXX XXXX XXXX. When I called Navient in XXXX to request another forbearance because my circumstances had changed again, they refused. The employee told me that I have " no forbearance left, '' and no options to defer payments at all, ever again. The individual was unhelpful and apathetic to my requests and concerns. Navient, on the whole, has been very difficult to work with, the repayment amounts they insist upon are consistently high and debilitating, and the fact that they offer so few options for customers who can't meet their demands is completely unacceptable. Because interest rates are so high, my current balance exceeds the initial amount I borrowed by over {$11000.00}. They are now threatening me by telling me that are going to destroy my credit, and they are harassing me and my parents with collection phone calls day and night. Navient mercilessly exploits its most vulnerable customers, students and former students who just wanted a chance for an education. This company is abhorrent and I am so glad that the CFPB is taking suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started disputing inquiries with Experian since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from Experian so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.
Product: Credit card

I made a payment on my paypal credit account on XX/XX/XXXX for XXXX The payment never posted to my my account. After attemtping multiple times with their customer service to have this resolved, i submitted a complaint on XXXX with CFPB THey responded stating the credit showed up on XXXX. This never happened Upon review of the complaint i received letters from paypal that they found the payment and are adidng it to my account. the complaint was then closed on XX/XX/XXXX they added a " payment correction '' to my account adding the XXXX back onto my account.
Product: Credit card or prepaid card

I made a purchase with XXXX and they did not deliver the goods as promised on the date expected thus items were returned. XXXX continued to charge my card after the items were returned. I disputed these charges with my credit card company and they were initially reversed however they were added back on at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not
communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Because my previous interaction with Bank of America had not resulted in my account being closed, or my interest rate being lowered, I decided to attempt to use the card today. It was again declined. I checked my account on the web and it had again flagged transactions to places I had previously used the card, as fraudulent. I verified they were my charges, and the website said that the card was fine and usable. I tried again and it was declined. To recap my previous complaint, I am XXXX and do not use a voice telephone or XXXX. I again informed BoA of this via chat. Once again, I was told via chat that I needed to use the telephone. Once again, I had to escalate to a supervisor. The supervisor reiterated that I must use the telephone in order to find out why my card was declined. When I again said I do not use a voice telephone due to XXXX, he asked me why. Of course, this is protected health information. I requested the account be closed, and the supervisor closed the account. This, despite my wasting hours of my time the day before, attempting to close the account, and told that I could not do so via chat. 

Bank of America 's discrimination against the XXXX is blatant and harmful. I wasted several hours of my time because they refused to provide the same services to me in anywhere close to the same timeframe as they would provide to a non-disabled person. The first supervisor claimed it was not possible. The second supervisor the next day completed the task that the first supervisor asserted adamantly that I needed to use a voice telephone to complete. 

Had I not persisted, I would still be having the same difficulty. As this is going to Bank of America, I have a message for them : DO NOT CALL ME! I have a cell phone ONLY for emergencies, as it causes me physical pain to answer and converse on a telephone. You have been told this on MANY occasions, yet you called me once yesterday, and once today. STOP!
Product: Credit reporting or other personal consumer reports

My credit report is showing a charged off account from XXXX XXXX XXXX, and I know according to the law I was supposed to receive a 1099c form when this debt was charged off by the IRS. Therefore I am requesting the 1099c form. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. According to 15 U.S Code 1681b A consumer report can be furnished if the consumer provides written consent. This ensures that consumers have control over who can access their personal credit information in which this case I did not provide, this account needs to be removed immediately.
Product: Debt collection

There is a car loan on my TransUnion credit report showing up as repossession I have never been affiliated with this loan this is a part of identity theft
Product: Debt collection

this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to express my dissatisfaction with the response I received from JPMorgan Chase Bank regarding my complaint about a lost and fraudulently cashed cashiers check. Despite my repeated efforts to resolve this issue, the bank has failed to provide an adequate explanation or resolution. 

Key Issues : XXXX. Repeated Phone Complaints Ignored : I reported the loss of the cashiers check multiple times by phone, using my number XXXX. I was instructed to wait, but the check was not blocked or canceled despite these notifications. I request that the bank review all phone call records to confirm my reports and their responses. 


XXXX. Failure to Prevent Fraud : On XX/XX/2024, the check was cashed without my authorization. I was at home the entire day and have evidence to prove that I did not leave my residence. Therefore, it is impossible for me to have cashed this check. 


XXXX. Lack of Action and Accountability : The bank has not explained how the check was fraudulently cashed, who cashed it, or where it was presented. There is no transparency or accountability from the banks side. 
Requested Resolution : Conduct a thorough review of all phone call records to confirm my repeated complaints about the lost check. 

Investigate how the check was cashed without my authorization, including verifying the identity and location of the individual who cashed it. 

Refund the full amount of {$6900.00}, as I never received or cashed the check. 

Ensure measures are implemented to prevent similar incidents from occurring in the future. 


I am highly concerned about the lack of safeguards in place for protecting customers funds. This situation has caused significant stress, and I expect CFPBs assistance in ensuring this matter is addressed appropriately. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Fifth Third bank received a check via XXXX addressed to me and deposited it in my account without verifying it with me! I had no knowledge of this check until after they deposited it and overdrew my account {$500000.00} because they said it was fraudulent! Now they are closing my account after 20 years for something I had no part of!! They are withholding my federally protected pension and social security. Treating me like a criminal and I did nothing wrong
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate removal of inaccurate information from my consumer report. Under the Fair Credit Reporting Act, I have the right to accurate and complete information. The following errors require prompt correction : Late Payment Report Dispute foXXXX XXXX XXXX XXXXXXXX, Account # XXXX, and XXXX XXXX XXXX Account # XXXX. Additionally, per 15 USC 1681b ( 2 ), consumer information can not be reported without my written authorization. If this reporting was done without a legally permissible purpose, it constitutes a violation of my rights. Failure to correct these issues may result in legal action, as each willful FCRA violation can incur damages of up to {$1000.00} under 15 USC 1681n.
Product: Checking or savings account

USAA is refusing to close out a joint checking account that I have with my ex girlfriend listed as a secondary. There are no fees associated with the account, no automatic payments, no overdraft protection, no balance, and no recent activity on the account. The representatives have only given me the reason that they want to talk to her about " another bank matter ''. This stands in violation of the Depository Agreement. I have a chat transcript with a representative for USAA indicating that they are not willing to close the account on this basis and that the account has been cleared for closure in all other regards, " With my report made, and having qualified the account for closure. Was there anything else I may look into for you today, Mr . *****? ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and as a result, inaccurate and unauthorized accounts have appeared on my credit report. These accounts were not opened by me, nor did I authorize any activity associated with them. 

I discovered these inaccuracies on my credit report after [ briefly explain how you noticed, e.g., reviewing my credit report, being denied credit, etc. ]. I have already taken steps to address this matter by filing a report with the Federal Trade Commission ( FTC ) and submitting a police report to document the fraudulent activity. 

The fraudulent accounts include, but may not be limited to, the following : I have enclosed a letter I am submitting this letter in accordance with Section 605 ( b ) of the Fair Credit Reporting Act, which allows for the removal of information resulting from identity theft when sufficient proof is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Product: Debt collection

They did not properly investigate this situation. I disputed it multiple times and wished to have this removed all of my credit immediately.
Product: Student loan

I emailed Fedloan twice requesting a refund of a payment made during the pause period, and I still have gotten no response. I reached out on XX/XX/XXXX and again on XX/XX/XXXX but still haven't heard back from anyone. 
I made a payment of {$50.00} on XX/XX/XXXX and I'd like to have it refunded. The timing is somewhat urgent since my loans are getting transferred and I'd really prefer to do this before my account leaves Fedloan- it's unclear if I will be able to get a refund from my new servicer. I really dislike how Fedloan customer service seems to be nonexistent at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to equifax and they closed my dispute after 1 day. To me that means they didnt take my dispute seriously and didnt look into it further. I dont think thats fair and it shows that there was no work or investigation on their end to resolve my dispute with the credit companies in question. I feel they should reopen the dispute and further look into it and delete what is wrong on my credit report. I constantly have told them that I have no knowledge of the accounts and they ignored my dispute.
Product: Credit card

On XX/XX/2023, XXXX tickets ( XXXX adult and XXXX child ) were intended to be purchased for XXXX XXXX Experience Show in XXXX XXXX via XXXX XXXX  with CiTI bank master Card on the app called XXXX. The tickets were purchased while waiting in the line. Instead of XXXX tickets, XXXX tickets got charged ( XXXX adult tickets and XXXX child ticket ). The card got charged {$150.00} total ( XXXX x {$40.00} each adult tickets, and {$35.00} for a child ticket ). 

During the check in, the person who scans the ticket was notified about the issue, they suggested to contact XXXX. While only XXXX adult ticket and XXXX child ticket got scanned for the entry, XXXX  was notified right away to issue the refund for XXXX unused adult tickets. The issue was notified within XXXX minutes of the purchase. XXXX  got back to us the day later indicating that they are not going to refund us money for XXXX adult tickets ( {$40.00} x XXXX ) and instead proposed to issue a voucher for future use. 

I declined to get the voucher and contacted CITI bank to dispute charges on XXXX tickets that got accidentally charged. CITI BANK issued a conditional refund. Ultimately, CITI bank reversed the refund as they went off of what XXXX had to say. CITI BANK never inquired anytime to collect my proofs or evidence to prove fever that XXXX tickets were never used or was charged in error. They never did a thorough scrutiny.