23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested a refund for my student loans from Fedloan Servicing over a month ago. I am entitled to a full refund of all payments made during COVID pandemic by law per the CARES ACT. Fedloan Servicing is saying that this will take 150 days to process and that I may STILL BE DENIED. 

I NEED this money and it is my right by law to get a refund. Thank you CFPB for standing up for the little guy.
Product: Checking or savings account

On XX/XX/2019, in a phone call to Simple Bank customer service, I reported that my checkbook had come up missing. I asked the CSR to please make a note in my account about this and not to honor any checks without my consent. Was told by the CSR not to worry, that Simple would freeze any checks that might possibly come through as they would be forgeries. I questioned the CSR about it again and he assured me that I had nothing to worry about. 
On XX/XX/2019 Simple processed check number XXXX and deducted {$89.00} from my account even though I had told them 3 weeks prior that these checks were stolen. In numerous calls to Simple over the next two days, I was told different things by everyone i spoke with, but all reps stated that Simple had messed up and somehow this " slipped through the cracks ''. They stated that they would rush putting the money back in my account as I had told them prior to and this was a mistake by Simple. Make no mistake, Simple had taken responsibility for this deduction from the start. 
However, things went from bad to worse quickly. Because the account number had been compromised, they froze my debit card, effectively sealing me off from my funds. The XXXX, a representative unfroze my card so I could withdraw {$300.00} in cash from the ATM, and then refroze it, stating I could call back the following day and she would do the same so I could withdraw more cash to pay my rent. The following day ( XX/XX/XXXX ), in over 15 calls and 7 hours phone time, I was never given access to my debit card as promised, and was lied to countless times by different CSR 's. Told it was unfrozen and to go immediately to XXXX to get access to my money. Another one, it's unlocked, go to XXXX and use the ATM. It's in a maintenance state, but will work in 2 hours ... Card is frozen and we can't do anything about it but we can XXXX you a check arriving the next morning ( hours later, oh, it's too late for that now, sorry ). And then closed my account because of my total frustration with all the lies and misdirection. 
However, Simple STILL has not refunded the {$89.00} they deducted for check XXXX that they knew was forged and had been notified 3 weeks prior. As of today ( XX/XX/2019 ) I still have not received these funds that they admitted were mistakenly deducted from my account. They asked me to submit an affidavit but never have provided the information about this check to complete said affidavit, along with asking me to spend {$25.00} to have it notarized ... After taking my funds by mistake. Numerous calls and messages to simple has resolved nothing and I want my money back they erroneously took
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit card or prepaid card

Capital one is going to be losing a decade long customer due to deceptive practices. They are unwilling to assist even during Coronavirus. 

I have a Savor Rewards card. When I signed up for this card, all of the documentation I read stated that I would have 0 % interest for 15 months .After 5 months of having the card, I discovered that I have been being charged hundreds of dollars in interest. Upon speaking with support, they told me I have a " Savor '' card and 0 % APR is only for " SavorOne ''. Savor One is the card I thought I was signing up for and the card I XXXX  the application form for. I would have never carried a high balance like this if I knew I would be being charged interest before the 15 month period was up. The cards are nearly identical and even have identical designs. 

Phone support refuses to move me to Savor One and transfer my balance to get me into the 0 % APR platform. Even though I have been a valued customer with no missed payments for over a decade and excellent credit, they refuse to budge. 

I am not asking for a lot here and am already really hurting because of the Coronavirus, but now I am literally going to be out THOUSANDS of dollars, due to interest charges that I never thought would be there. 

I don't want to close my accounts and transfer all of my balances out of here, but I am being left with no other option, For a company that says they are offering assistance during the Coronavirus, this is truly disgraceful. 

Looking for some compassion and understanding here. I am not getting it from phone support. 

Let me know what you can do. 

Thank you for your understanding.
Product: Credit card or prepaid card

Over the past 6 years Wells Fargo has discriminated against me with not only opening a credit card but with opening a check back when they offered a {$100.00} bonus for opening a checking account and utilizing the debit card 5 times - my account was never opened & i was denied credit after several years of on time payments proving discrimination by this company- around XX/XX/2022 I received letters stating the opposite
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit card or prepaid card

I received an email and then a phone call from Citibank regarding my XXXX XXXX on XX/XX/2022 that fraudulent activity was suspected. They asked me if I was using the card at the time I said no I was home XXXX XXXX XXXX XXXX XXXX which they called me on my home phone. They said they were going to immediately put a stop to my card and put it under investigation. There we're multiple charges totaling XXXX. XXXX. 
The investigator called asked a series of questions when I was at work and told her that I could not verify anything or be sure because I was at work and needed to go home and and look through my records. She made a lot of accusations she said the card was present during the fraud use and because I had a card in my possession that it was not fraud. Once I got home I called her back to verify the expiration date of the card that was used it was not the same as the card that was in my possession that apparently someone activated and opened a card with the fake expiration date and used it. I tried to explain to her I pulled up some proof that the card I had was a totally different expiration date and they are doing nothing to help a long-term good standing customer who has several Citibank accounts all in good standing with exceptional payment history and with zero balances. When I asked them to send me a statement by email so that I can see where all these charges were made where the places were so that I could account for my whereabouts and also my husband 's because she decided to accuse my husband of making the charges because apparently card was activated under an old phone number that we disconnected XXXX years ago with his name. Which he was a victim of identity theft XXXX  years ago and we are now thinking it's the same person but they didn't want to hear anything like that they just made their decision that we were liars when we are really victims of fraud! They said they are going to mail my statement but yet won't let me access it through my online account which I don't understand why they won't let me see where all these charges were made or send them to me immediately she said it's going to take a week or longer! I have filed a police report and I also consulted with an attorney and will be suing them for attorney fees. It's disgusting how they treat their long-term good customers and don't protect them from fraud. I'm going to be closing every single credit card that is associated with Citibank. I've already contacted XXXX I'm putting fraud alerts on all my credit reports cuz I refuse to let some criminal that stole my information damage my credit since Citibank is doing nothing to protect or help their good customer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax thank you for responding to the CFPB response case XXXX by stating you will not respond because I never get a written response when you state you will mail one to CFPB. I give you permission, any way you and Experian still report this alleged account accounts resolution serv. on my credit report and I have contacted all parties Accounts resolution, XXXX of TX, even the alleged hospital XXXX XXXX NO one will respond to my request not one company this is fraud even the balance changed enclosed are documents that accounts resolution XXXX of tx, XXXX XXXX all have faulted on the information sent through the CFPB as a matter of record remove this alleged account. AND NO IM not a Credit repair person. be advised that one of these companies as or is under investigation for fraud by Attny GEN Office for billing { fraud } example alleged billing went from XXXX dollars to around 250 dollars now over 1500 dollars all documented in case file just what ATTNY GEN is after PLUS the HIPP violation Account Resolution has committed<alleged debt bal increase out of the blue>
Product: Debt collection

I am currently not in the XXXX. 

I used XXXX briefly between XXXX and XX/XX/year> ( though I'm not completely certain of the dates ) while in the XXXX for XXXX. I left the XXXX in XX/XX/year>, and my landlord helped me return the XXXX XXXX 

Before leaving, I did not have any outstanding debt on my XXXX subscription. 

I am surprised to receive a letter from my cousin in the XXXX about a debt I supposedly owe XXXX. 

XXXX Account XXXX : XXXX Reference of XXXX XXXX XXXX : XXXX
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Capital One regarding the withholding of my funds for nearly one month. Despite repeated attempts to resolve this issue, I have been unable to access my money, which has caused significant financial hardship, including the inability to pay my bills.

Capital One has consistently delayed the release of my funds, citing the need for an investigation. However, despite the prolonged duration of this investigation, I have received no updates or resolution. I contacted Capital One multiple times, and two weeks ago, they assured me that the funds would be released. As of today, the funds have not been transferred, and my requests for information are met with generic responses, such as, we can not provide further information at this time. 

I have researched this issue and found numerous accounts of similar experiences from other customers on forums such as XXXX ( /r/CapitalOne ), where it appears this is a recurring issue with Capital One. The lack of transparency and customer service is deeply troubling, and I believe this matter warrants an investigation by the CFPB. 

Furthermore, when I contacted Capital One on XX/XX/XXXX, I spoke with a manager who was extremely unhelpful. I followed up on XX/XX/XXXX and was met with the same dismissive and rude attitude. Capital One also advised me to contact XXXX to reverse the funds, but XXXX has confirmed that they are unable to do so. 

I am extremely frustrated by the lack of progress and the treatment I have received. I believe that Capital One 's actions may constitute a violation of consumer protection laws, and I respectfully request that the CFPB conduct a thorough investigation into this matter. I am also prepared to pursue legal action if this situation is not resolved promptly. 

Thank you for your attention to this urgent matter. 

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

I have an account on my credit report, CITIZENS BANK, that is not reported correctly. It is supposed to be reported as Paid in Full but it is being reported as Account Paid for Less Than Full Balance. I have documentation that confirms it is supposed to be reported as Paid in Full. Further, there are payments on this account that are being inaccurately reported. There are payments that are marked as missed/late payments after the card was already closed. 

Additionally, this account is being reported on my credit report twice. It is also being reported as XXXX/CITIZENS. These accounts are the same ( XXXX/CITIZENS and CITIZENS BANK ) and should not be reported as separate accounts. This is clearly fraudulent and its affecting my credit score negatively.
Product: Mortgage

I was XXXX on XXXX of 2016 and during that time frame I was under the impression that my mortgage was being auto drafted out of the account. Due to some issues with my pay with Government my payment wasnt being deposited on time to my checking account causing payments be missed applied everywhere. Since that time frame I have paid off the balance on both my 1st and 2nd Notes with Ocwen Loan Services. I am now trying to relocate due to my orders to XXXX XXXX, Texas and am in the middle of trying to purchase a home and can not due to the lates on my credit report.
Product: Debt collection

I co-signed a XXXX lease with XXXX XXXX XXXX XXXX XXXX. About 4 months into my lease, my apartment started to experience numerous issues, water leaks, pest infestation, air condition not working, heat not working, bathrooms not accessible unauthorized entry into the apartment by the leasing staff. 
I have several emails of complaints and notices where my XXXX XXXX XXXX has to constantly visit the doctor due to the dust from the numerous ceiling repairs. 
On XX/XX/XXXX I informed the apartment of my intentions to break the lease and move out when I get another apartment in writing ( I have proof ). And I got a house in XXXX and moved out. 
They have now forwarded the last months rent to collection without my knowledge claiming bridge of contract.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I received a letter from XXXX XXXX first advising that due to change in credit score decreasing credit limit. XXXX XXXX just sent the exact letter that XXXX XXXX sent with a credit score of XXXX. It appears that Equifax is the credit reporting agency. XXXX has advised that there has been no suspicious activity however Equifax has continued to report out this wrong information. I do have a copy of credit report from XXXX which does not show anything to support this low score from Equifax
Product: Credit reporting or other personal consumer reports

XXXX The claim number listed above give details of the initial complaint. XX/XX/year> was the day this complaint was initiated today is XX/XX/year> surpassing the 30 day allowing the company to gather the appropriate documentation to counter act my claim. I have already give notice to the company the IRS accepted my 1099a so I am warranting XXXX XXXX XXXX XXXX to preform their obligations updating the account and all reporting attached to my accounts. I have not received any information proving the IRS did not accept my documentation and am requesting the following XXXX XXXX  accounts be removed in good standing and all payments stopped until I receive my consumer portion Copy B of the 1099a allowing me to know XXXX XXXX has done their due diligence in correcting this matter. If XXXX XXXX refuses to provide such documentation due to negligence I am requesting the CFPB completes a formal investigation into this matter and ALL payment are stopped and my account is placed in a due not pay due not collected status until XXXX XXXX submits the proper documentation, I am fully aware all companies dealing with Registered security have an obligation to report all tax document with the grace of having it completed with 3 years of the issuance so if XXXX XXXX wants to wait, my account needs to be placed the proper status without negatively affecting my consumer report.
Product: Credit reporting or other personal consumer reports

1. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 2.Additionally, I believe the company performed a soft pull on my credit without my authorization, which is a violation of my rights. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) establish clear guidelines and procedures to protect consumers, yet it is evident that these laws were not followed in this situation. Their disregard for these regulations reflects poor practices that must be addressed immediate.
Product: Credit reporting

I have disputed to Transunion XXXX different times to get off inquiries, that are on my credit report, that I never gave permission to be on there. The response I got from Transunion each time was only within 2-4 days and came back as legitimate. There is NO WAY they could have investigated anything within that time frame. It even says that the credit companies have 30 days to dispute, my disputing of inquiries. So how can it be done within 2-4 days total each time!? They are not doing anything about them. Its unfair that I have so many inquiries that I would have never allowed through to my credit report. 
XXXX makes disputes way to confusing to even try to being there also. 
Another car company did this exact same thing to me in 2013. 
Thank you for your time with this matter. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures definitely align with experience, where Experian has neither corrected nor removed disputed items despite what the evidence provided, causing ongoing harm to my credit standings. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights as a consumer. 

Below are the listed accounts I want removed : XXXX XXXX XXXX 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 reporting

Someone by the name ( " XXXX XXXX '' dob " XXXX XXXX '' ) has been using my social security number since XX/XX/XXXX that i am able to see. I tried opening a XXXX XXXX bank account in XXXX XXXX and had to go through a lot of hassle while they protected " XXXX XXXX '' that already had a active XXXX XXXX account. I was treated like the suspect instead of the victim. I do n't know what else XXXX XXXX has used my social security number for but I would like to get EVERYTHING closed and for him to be held accountable for YEARS and YEARS of FAULTY using my personal information. My name is XXXX XXXX XXXX dob XXXX XXXX XXXX. MY PHONE NUMBER IS ( XXXX ) XXXX please give me a call if you have any questions or information
Product: Credit reporting or other personal consumer reports

There is an address listed for me as a residence or place I have lived and it is not a place I have lived ever. 

XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Mortgage

I spoke w/ the XXXX. I am working on traveling out to Washington to tell my story about all the years of pretender beneficiary " XXXX Bank '' and pretender lender loan servicer " Ocwen Loan Servicing '' fraud servicing abuse which has caused me serious health troubles which landed me hospitalized for months. I will hold Ocwen Loan Servicing and XXXX Bank fully responsible for all damages. Ocwen Loan Servicing and its robo-litigation puppet refuse to be honest and stop committing fraud against me, they all continue to harass me sending many fraudulent invoices using fraudulent trustee sales. Ocwen Loan Servicing litigation robo-start has been spinning and cherry picking responses to my many consumer complaints. Ocwen Loan Servicing employees can not stop themselves from committing fraud against Innocent victims, they have no control over mind control. CFPB seeking fines from Ocwen constentaly will continue until the end comes and Ocwen is permanently shut down and all its minions are brought to justice just like XXXX XXXX XXXX. Ocwen Loan Servicing and its litigation lawyers love crooked XXXX and all are scum of the earth.