23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an online high yield savings account at XXXX XXXX spring of XXXX ( whose parent bank is XXXX ). XXXX after I opened it, for a period of XXXX months, XXXX XXXX quietly lowered my interest rates while it continued to offer the highest available interest rate only to new customers. But this was not clear. XXXX made it appear that the interest rate listed on the website was the one I had. Behind the scenes XXXX would change the generic name of the high yield savings account product every few months and make the previous one a legacy product. My rate was lowered XXXX to .75 %. Since my balance was low XXXX figures XXXX guessing I lost $ XXXX of interest income because the bank was not forthright. 

When I contact UFB I'm blown off and told their disclosure statement states interest rates can change at any time. But I really think the way XXXX did it was purposefully deceptive if not fraudulent. There are many reviews online at XXXX XXXX, BBB, etc that this happened to other people. There has been what looks to be the start of a class action lawsuit/legal docs online too ( see attached PDF of beginnings of class action suit ). I can only XXXX how many people opened high yield savings accounts while the Fed raised interest rates to the highest level in decades. If I lost {$1000.00} what did other people lose? Millions? What recourse do I have? Not a lot because legally each plaintiff is required to use arbitration first. Class action suit is very difficult. 

I had balances at XXXX other/different online banks and not XXXX of them lowered rates during the period the Fed raised XXXX. These other banks notified me when my rates was lowered which didnt happen until XX/XX/XXXX. 

I read an article on CFPB taking action against Capital XXXX ... which sounds very similar to what happened to me with XXXX XXXX Bank XXXX I decided to post a complaint in hopes CFPB can help.
Product: Credit card

Transactions were misleading, was overcharged in fees and interest, overcharged, ignored of financial burden assistance
Product: Mortgage

loan XXXX, before Ocwen transferred the loan to PHH, they received {$7500.00} in trial payments from a bad loan mod ; we received {$1500.00} of the {$7500.00} but still have not received the rest of $ XXXX months ago
Product: Credit card or prepaid card

I applied for an American Express Gold Card on XX/XX/XXXX using a referral link from my friend. The advertisement promises a XXXX point sign-up bonus with qualified spending. 

When I finished the spending in time, I didn't receive the point, so I asked Amex about this problem on XX/XX/XXXX. However they told me that my sign-up offer was declined. They failed to give me a reason at that time and asked for a 10-15 business day period for investigation. 

I later on checked with Amex on XX/XX/XXXX about the investigation and they gave a reason : the bonus was declined because I have closed another credit card from Amex. And they told me that in terms and conditions they reserved the right to decline any reward that they promised. As a fact, this terms and condition is not obvious to customers. Nearly no one noticed it when applying the card. Especially comparing to the obvious large letters saying " XXXX bonus ''. 

When I asked Amex to return my annual fee and close my card, they refused. The reason is that they don't have access to the system and can not do it.

I'm considering it as a fake advertisement which hides complete information from customers. It also ask user to pay ( annual fee ) for something different from what they advertised. This behavior is extremely dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX To : XXXX XXXX XXXX XXXX, Account number : XXXX Ive been approved for two payment extensions for my XXXX XXXX XXXX beginning XXXX XXXX. Since then I have signed the agreement and mail it out to the address on the agreement XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted XXXX about the status of the extension since I didnt see it reflected on my XXXX account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XXXX/XXXX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XXXX XXXX the negative marks from XXXX on are incorrect
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi Equifax, I don't know what is going today I am checking my credit report again and still see those fraud inquiries that shall be deleted from my credit report. 
I spoke with the fraud team and they told me I have the right to request those fraud inquiries below for deletion. 


XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX, INQUIRY DATE : XX/XX/year> XXXX XXXX  XXXX XXXX, INQUIRY DATE : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I need your assistance after several attempts to have Transunion, XXXX, and XXXX to remove a derogatory account off my Credit Report. the account is with XXXX XXXX .The Credit Reporting Agencies after being asked to return proof that this debt is valid .I requested an original copy of the copy of the original contract with my signature and the company signature on it and stating the Originial amount on it the amount on the reports is {$12000.00}. After several attempts and letters this negative information is still on all my reports with TransUnion, XXXX XXXX. I am getting alerts with XXXX and XXXX XXXX stating that I missed a payment in which is lowering my score.Just last month I applied for a Auto loan and theCar Finance Manager said I could not get approved because my XXXX stated that I just had this month a repossession. I greatly need your assistance in getting this negative information removed. My credit and scores has suffered extensively. They also refused to remove the old addresses and inquiries and an Ex- Wife name in which I am no longer married to her for several years now. These are several dates in which I had sent numerous letters trying to get certain things removed like XXXX XXXX and they still refused to correct the information XX/XX/XXXX, XXXX. Hope you can be of assistance. <P/>Thank You
Product: Debt collection

On XX/XX/2016 I started the process to get a debt from Choice Recovery validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and their lack of response, they have already broken federal law. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Choice Recovery and can provide them if need be.
Product: Mortgage

Today after years of saving and smart planning I called Freedom Mortgage to pay off my mortgage balance and they would not take my payment. Next, the want to charge me {$30.00} to have someone from the escrow department calculate my payoff amount and then they are supposed to send me an email me next week with a payoff amount. At that time, I then have to initiate a wire transfer from my bank in that payoff amount before a certain date. 

Payoffs are extremely easy to calculate and being charged an additional fee and additional interest charges to purposefully delay my payment is criminal. Your software can do that instantly and you can take an e-check instantly online or over the phone but they refuse to do it. 

they should be prosecuted for this business practice. This is intentional fraud to dissuade pay offs, keep customers in debt and nickle dime them for additional made up fees. 

Terrible. 
-XXXX
Product: Checking or savings account

I tried to open a bank acct and I was denied bc Bank of America said I owed {$220.00} and put me in XXXX ... I thenWent into Bank of America and the banker pulled up my entire file with my Social Security and said that all my accounts were paid in full and that I have no outstanding balance and that I am not in XXXX cording to their system. So I then called XXXX and they said that I am in XXXX XXXX for {$220.00} therefore I am disputing discharge and to be removed from XXXX XXXX altogether as a fraudulent inquiry against me I would be glad to pay the XXXX if it existed. But I feel I am being discriminated against unfairly and this air is affecting my personal and financial situation
Product: Credit card

In a letter dated XX/XX/year> from Citibank that I received in the mail, I was informed that a credit line for Wayfair had been opened in my name. A week or so later I noticed through my credit monitoring with XXXX that this card now appeared on my credit report. I did not open this account. Someone stole my identity to open it and then immediately charged items to the full limit of the credit on the account. I dont know where the items were shipped because the billing statements I have received do not divulge that information. 

My wife and I were away in XXXX when this all happened so I did not take any action until XXXX when we returned home. I immediately froze my credit at all 3 bureaus, initiated a fraud report and filled out an FTC Identity Theft report. 

I called Citibank in XXXX and in a letter dated XX/XX/year> the account had been officially closed. However I still was not discharged the responsibility of paying for this balance which I did not accrue. 

For the last 4 months I have called multiple times and have been given the run-around by Citibank. I have filed a police report, at Citibank 's request, with my local sheriff. I have furnished Citibank with this report multiple times by fax, online submission and even through the mail. They have told me on the phone that they have never received this report or any other materials they have asked me to send them. 

I am currently attempting to rectify this directly through XXXX. They are working on my case and will forward the police report to Citibank and hopefully that will end this nightmare.
Product: Checking or savings account

I can't pull up the account info because the bank removed my old savings account where the transactions were recorded at... 

XXXX XXXX tried to collect the remaining balance on my savings account ending in XXXX New Dispute Document # XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I was previously enrolled in public student loan forgiveness ( PSLF ) and my loan servicer, MOHELA, discharged my loans earlier in 2024 after making on-time monthly payments over the course of 10 yrs. That said, I wound up making 123 out of the required 120 monthly payments and MOHELA has yet to refund my three overpayments in excess of {$1400.00} as they have promised. I have escalated this issue several times to the highest level with MOHELA and still haven't received a dime. Their customer service said it could take up to 90 days to process the refund, not one 1+ yrs! As you can imagine, I'm extremely frustrated with their company. Interestingly, MOHELA has a pending lawsuit for their egregious handling of student loans and refunds for borrowers. I'm hoping you can help because I feel like I'm being ignored!
Product: Checking or savings account

I recieved a debit card in the mail from Cash App on XX/XX/year>. I am not a Cash App user nor have I ever had an account with them so I couldn't have requested the card. I then called Cash App customer support on XX/XX/year> three separate times. Each time I explained the fraudulent account, and I was directed to send pictures of the card to them via email. I did so and have not heard any communication back. I have had this happen in the past with other financial institutions, and they have happily closed the account, marked it as fraud and blocked my SSN from being used with a simple phone call. However, Cash App is making closure of the account nearly impossible and is making me go through great lengths to resolve this issue. I do not want to be held accountable for whatever this person is doing with this account in the future using my identity.
Product: Checking or savings account

On XX/XX/XXXX I made a huge purchase of over $ XXXX with this online designer high end consignment shop The XXXX XXXX on XX/XX/year> for fur coats to wear in the winter. The description of the coats were very good condition with pictures of coats looking nice with no signs of rips. I trusted them and made the purchase. I opened up the coats and they were not as described. Worn in BAD condition, ripped all over, sizes are too small, coats are smelly, and the items are not even able to wear or fix. I called the company and I was first rudely hung up on. I called back and a rude gentlemen stated that there was a not refundable and non returnable policy. Then I called back upset and a gentleman offered a {$200.00} something dollars return on XXXX coat only and I will have to pay restocking fee and other fees. I dont only have XXXX coat I have XXXX terrible coats that are damaged and I was scammed by this company. I finally called Chase Bank to do an investigation on XXXX  XX/XX/XXXX and on XXXX  XX/XX/XXXX they credited my account a little bit over {$4600.00} and told me it will take 10 days ir more. I even went to my account and sent them pictures of the coats damaged. By XX/XX/XXXX I received two letters that the investigation was completed, that I authorized the purchases and I owe them the full amount back. First of all there is no way they contacted the company and did a full investigation on the damages of these items. The company never contacted me to work anything out if chase did reach out. I also signed up because Chase advertised that they do protect buyers that receive damage goods and etc. I am now reading so many people Chase has done the same thing to and this is very upsetting. Now Im scammed out of thousands out of my bank and Im stuck with items that were falsely advertised that I can not wear for winter and we are approaching winter.
Product: Credit card

On two occasion I received a mail and an email stating that credit card application denied because of suspicious or fraudulent. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is clearly fraud, someone is trying to open credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report back in XXXX. I have been going back and forth disputing A XXXX auto loan that does not belong to me and the bureaus took the account off on XX/XX/XXXX then reinserted the account. I need for the account to be removed immediately because it does not belong to me and is affecting my everyday life. XXXX XXXX is stating that I owe {$24000.00}. I have continued to dispute the accounts with Experian and XXXX  multiple times. Please remove these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continuously reporting inaccurate information on my credit report. Transunion claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. This complaint is in response to an account your company is furnishing to my credit report. Your company is furnishing a bankruptcy to my consumer report INACCURATELY. Section 611 of the FCRA states you must verify, modify, or delete inaccurate information from a consumers consumer report. The Account Is labeled US BANKRUPTCY COURT which is inaccurate. Furthermore, I have attached a letter from the bankruptcy court stating they do not share or verify information with anyone. I am aware that LEXISNEXIS can not verify this information with the US BANKRUPTCY court therefore this account should promptly be removed from your records. It is also your responsibility to notify XXXX, XXXX, and XXXX. Failure to comply will leave you civilly and criminally liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I was charged {$2100.00} for 4 round trip flights cancelled on XX/XX/2020 due to COVID-19. My travel agent requested a refund and I was told it would be processed within 3 months. On XX/XX/XXXX, 3 months later, I had not received the refund and I contacted the travel agent. She stated that the airline was no longer allowing travel agents to process refunds and she suggested I start a credit card dispute. I started a dispute via telephone on XX/XX/XXXX ( 110 days after the cancelled flight ). It took the credit card company 2 weeks to credit me the amount and 4 weeks to send me the paperwork. They then denied the dispute claiming that I took too long to file the complaint even though I did it within 110 days. I spoke to 3 supervisors and 5 regular agents and none of them would help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 please remove this inaccurate information from my report immediately. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to contact Experian, they do not have disputes online for the false address issue. 
They corrected one false address and more popped up! 

XXXX XXXX XXXX XXXX XXXX, SD XXXX Not my address, never lived there, Exwife 's address! 

XXXX XXXX XXXX XXXX, SD XXXX Fake address, don't know where it came from never had this address suspect fraud by Experian! 

Experian needs to join the 21st century and update there system, not everyone can sit on the phone for an hour to correct their credit information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to Experian XX/XX/2022 asking for the company to remove all unverifiable accounts! Also today I sent out a demand to comply letter
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX