23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

First Issue, COVID Payment Reimbursement : In XXXX 2022, I requested a refund on all of the payments I made during the COVID payment pause. In early-mid XX/XX/2022, my accounts were moved to Mohela. XXXX processed the request for a refund immediately but subsequent to making the payments, I closed the bank account I made the payments from. The payments were then going to be issued to me in checks but the Department of Education " put a hold on the repayment '' according to the Department of the Treasury. This resulted in me spending over 10 hours on the phone over several days calling XXXX, Department of Treasury, Department of Education and Mohela. Finally, Mohela re-requested the repayments be issued by check. A few weeks later, I received a check for {$18000.00}, which was {$9400.00} short of the full amount I was owed. I have since called Mohela several times and they will not give me an explanation for why the repayment was short or if I will be receiving additional repayment checks. I am very concerned that my initial request for a refund was in XXXX of 2022 and seven months later I still do not have the full refund or any explanation of what is going on with nearly {$10000.00} of the refund.

Second Issue, Employment Certification Forms : In XXXX 2022, I submitted my yearly employment certification forms for PSLF to XXXX while they were still servicing my loans. In early-mid XX/XX/2022, my loans switched to Mohela. I called numerous times from XXXX to XXXX and would be told non-committal answers like my account information was still transferring or they could see my forms had been received and to give it 90 business days to process. Finally, in XXXX, I called Mohela again and asked for a supervisor review of my Employment Certification Forms. They agreed to have a supervisor review my forms, but estimated another 90 business days for it to be completed. I have several concerns with this response. First, why is it taking almost a year for Mohela to review forms that would take XXXX at the most two weeks? Second, my previous agency is in the process of shutting down and soon there will be no HR left. Once this happens, getting a form certified is going to be nearly impossible.

Both of these issues have caused me to spend hours on the phone trying to resolve the problems and I still do not have a solution. These are hours away from my young child, hours spent missing work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the USDEPTOFED account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 and 19 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

On XX/XX/2022 I was contacted by XXXX  with XXXX XXXXXXXX XXXX which was a pre trial mediator regarding a debt with XXXX XXXX XXXX XXXX XXXX XXXX which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone.
Product: Debt collection

Received a continous subscription with XXXX XXXX  for XXXX ornaments. I cancelled the subscription. I received a phone call from a debt collection agency requesting payment. I asked said debt agency to provide verification of the debt and they said it was sent. Mail has been lost all the time since covid. The subscription for the ornament was withdrawn through direct withdrawl. The collection universal fidelity LP. The women was very rude and kept saying to pay your bill. I told her I wanted proof of the debt to make sure I wasn't double paying.
Product: Checking or savings account

Product : Checking account Issue : Problem with deposit funds not available after reasonable time Company : Regions Bank Date of issue : XX/XX/year> Complaint Description : On XX/XX/year>, I deposited a check into my checking account at Regions Bank using their mobile deposit feature, in the amount of {$3900.00}. The check was drawn on a different bank, and I have confirmed that the issuing bank has already released the funds from the check writers account. 
On XX/XX/year>, I contacted Regions Bank because I had not received any notification regarding a hold on the deposit. I was verbally informed that the funds were being held, and that a written hold notice had been mailed, with an expected delivery time of 35 business days. I informed two Regions Bank representatives XXXX and XXXX that I was out of town on vacation without access to my physical mail, and I specifically requested that the notice be sent to me electronically. They refused. 
As of today, XX/XX/year>, I have still not received any written notice by mail, email, or online banking. The only explanation I have received and only verbally is that the deposit was being held due to suspected fraud. 
Regions Bank has informed me that the hold will last until XX/XX/year>, a total of nine calendar daysafter deposit. However, under Regulation CC and the Expedited Funds Availability Act, banks are required to provide a timely written notice when placing a hold, along with the specific reason and the date funds will be available. Regions has failed to comply with this legal requirement. 
The refusal to provide timely electronic notice especially after I explained I was traveling is unreasonable and obstructive. This extended hold is causing financial hardship and distress. I am concerned that this conduct may be in violation of federal consumer protection regulations.

What do you think would be a fair resolution to your issue? 
I request that Regions Bank immediately release the funds from my XX/XX/year> deposit of {$3900.00}, or provide a written, regulation-based explanation for the hold, including the specific exception relied on under Regulation CC. 
I also request that the Consumer Financial Protection Bureau investigate Regions Banks failure to provide timely and proper written notice, and confirm that I am being treated fairly and without discrimination, in accordance with federal consumer protection and anti-discrimination laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Macys account has been reporting for well over 7 years and still reporting to the credit bureaus. By law under the FCRA this account should not be listed on my credit report after 7 years. Please have it removed. Thank you
Product: Debt collection

I am XXXX XXXX, and XXXX submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with I. C. System, Inc. company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit card

They told your company the refund was issued on XX/XX/24 but reapplied it to the account on XX/XX/24 and then have a transaction of credit balance debit.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX Dealership in XXXX, CA. I was required to provide a down payment of {$2500.00}, which I paid in cash. However, the purchase agreement inaccurately reflected only {$800.00} as the down payment. Shortly after the purchase, I discovered that the dealership failed to properly file the necessary DMV paperwork, leading to the vehicle being towed and impounded due to expired registration that was already two years overdue. This happened approximately 3 weeks from the date of purchase. 

I contacted XXXX multiple times, but despite my efforts they were absolutely no help and denied any wrong doing, taking no accountability whatsoever. 

On XX/XX/XXXX, I finally was able to get through to a representative from OneMain Financial, who informed me that they could not defer my payments, despite the circumstances. That they would contact the tow yard, and the dealership and call me back. However, since that call, I have not received any further communication or assistance from OneMain Financial. 

As a result of these issues : 1. I have been unable to retrieve the vehicle and am now two payments behind, yet I continue to receive bills from the finance company 2. Ive incurred significant costs related to the tow and storage fees. 
3. I lost my job and housing due to my inability to use the vehicle, which was essential for both employment and accommodation. 
4. Despite my attempts to resolve the issue, including contacting the dealership and the finance company, the problem remains unresolved. 

I am seeking the cancellation of the loan agreement, a full refund of all payments made, and compensation for the financial and personal hardships I have endured due to the dealerships and finance companys negligence. 

The lack of action by both the dealership and finance company has left me without my vehicle and has caused significant financial hardship, including loss of employment and housing, and has led me to file this complaint with the CFPB for intervention.
Product: Debt collection

BANK OF AMERICA {$2300.00} XXXX reported this by submitting a complaint, they keep stating it is verifiable. They use my account and identity information to prove it. However, this account was opened fraudulently. I have an FTC, CFPB, police report, and more. I also have this message in my credit reports. 

I do not have any knowledge of this said account and it needs to be removed now.
Product: Credit reporting or other personal consumer reports

Experian claims that a score decreased instead of increasing, which is innaccurate
Product: Bank account or service

Citibank had a promotion offer for getting XXXX dollars after opening the checking account, deposit XXXX dollars within the first month and keep the account for another 2 months. I opened the account on XXXX XXXX through the phone, I gave them the bank information that I want to transfer the money out and they sent me some documents to sign for opening the account which also included the bank information for transferring money from my other bank to citibank. I signed all the documents and sent them back to citi immediately, but they never processed my documents and they never initiated my deposit into citibank. It was XXXX XXXX that I realized I never received my debit card, which is a proof that they never processed my documents. I called citi again and asked why they never sent me the debit card and initiated the deposit, and the representative told me it was their mistakes. I asked her if I was still qualified for the XXXX dollars promotion and she said I did because it was their mistake, she also promised me that she will put a note under my account saying that it was their mistake that made me miss the XXXX month deadline and I was still qualified for the promotion. So I asked her if she needed the bank information to transfer the money out into Citi and she said she had all the information she needed and there is no need for me to provide anything else. So I asked her to initiate the deposit into citibank and sent me the debit card. She did it immediately and the money was transferred to Citi the next day. She also sent my debit card by overnight shipping that I was able to get my debit card the next day as well. After three months, I did n't receive my bonus. I called citibank several times explaining my situation to several different representatives, they were able to pull out my files and saw that everything I talekd to them was correct My debit card was never sent to me, my deposit was never initiated because of their mistakes, so they created XXXX consecutive investigations for me. But everytime I got the result back, it was the same reason, I did n't deposit within the first month of the account opening. Since I gave citi all the bank information that they needed to get the money from another bank when I opened the account through the phone, and I also sent back those documents through the mail, it was citi 's mistake that they never processed my deposit request and the representative I talked to on XXXX XXXX also promised me that I will get the promotion, otherwise, I would n't continue deposit the money and put it in there for more than three months.
Product: Credit card or prepaid card

Hello : Every month, CitiBank ( CitiCard ) takes {$20.00} out of my checking account. 

However, they can not tell me which account it is for, or how I can pay it off. 

It does show in my credit reports, and my bank has verified that it is Citi that takes out money, but Citi just does not have any record of me. 

I know the last 4 digits of the account, the amount taken out, and when the account was opened. 

I want to pay off the credit card ; that is holding me back from qualifying for a residential mortgage. 

I have contacted Citi a dozen times ; each time waiting for 20 minutes or more, and nobody can tell me anything about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} Worth finance Corp XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my Fidelity " aka '' Elan Financial Svcs was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called Fidelity and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a zero balance. On my next statement I get a {$25.00} charge from Fidelity " aka '' Elan Financial Svcs saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? Fidelity " aka '' Elan Financial is XXXX XXXX XXXX XXXX  I never made the Fraudulent purchase and they are reporting me delinquent to " XXXX  '' who is upholding their decision. XXXX  has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I awoke to a series of emails from Paypal. Two of them stated that I added a new address to my account. Two of them stated that I added a new credit card to my account, two emails stated that there were funds sent out of the account for purchase, followed by an email stating that there appeared to be suspicious transactions and an email or two about changing my password. Obviously, my account was hacked, as I did not authorize or initiate any of the transactions. I went into my account ( dont remember if I followed a link from one of the emails, or entered the account separately ) and changed my password. At this point, it looked like Paypal was aware that there was an issue and it looked like theyd take care of it. 

XX/XX/XXXX I noticed that a {$2900.00} charge appeared on my XXXX XXXX credit card. Instinctively, I called XXXX XXXX and reported that the charge was fraudulent. XXXX  XXXX told me they would take care of it and removed the charge from my account. What I found out much later from PayPal, was that I should have contacted them instead of XXXX XXXX. I had no idea. 

XX/XX/XXXX XXXX removed from my account by XXXX  XXXX XX/XX/XXXX XXXX charged back to my XXXX XXXX card << XX/XX/XXXX to present Multiple, hours long phone calls with XXXX  XXXX and paypal attempting to resolve issue>> XXXX XXXX tells me that their hands are tied because PayPal claims the transaction looks legitimate to them. That is simply impossible, as the account was clearly hacked. I recently learned that the XX/XX/XXXX emails were part of a phising scam - which Paypal acknowledges. They ( PayPal XXXX refuse to do anything about it because I took up the matter with XXXX XXXX instead of them - nonsense. 
A USPS tracking ( given to me by PayPal ) shows that an item was delivered to my address that relates to the {$2900.00} transaction. I did in fact receive an unsolicited, small brown envelope from XXXX that contained a small, plastic XXXX XXXX toy. The various emails on the XXXX all point to a source in XXXX. 

XX/XX/XXXX - Discovered that all the XX/XX/XXXX emails from PayPal were phising emails. 
XX/XX/XXXX - Forwarded all XX/XX/XXXX emails to PayPal ( XXXX ). 
XX/XX/XXXX - Received replies from PayPal acknowledging that emails were fakes. No further responses since from PayPal. 
PayPal refuses to discuss my case, claiming they have closed it. Unacceptable to me.
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 6. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXXXXXX XXXX XXXXXXXX