23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made a payment of {$380.00} to Discover Student Loans on XXXX XXXX, XXXX through my online banking. Without notifying me, Discover changed my account number, and due to the change, my payment was not credited to my account. I spoke with a manager on the phone, which is when I learned about the change to my account number. He then asked me to obtain a letter of remittance from my bank, which he said would help them track down the payment. He assured me the payment would be credited to my account as of the date that it was received. My bank mailed that letter to me on XXXX XXXX, and I uploaded it to Discover on XXXX XXXX. I have since emailed them 3 times through their online messaging system to ask why they have not found my payment and credited it to my account. Now they are telling me I need to call them if I want to discuss my options. I uploaded the letter from my bank again today. They have had my payment for over a month, have refused to locate and crefit it to my account, even though the entire situation was their fault, and they continue to make harassing calls telling me that i am behind in payments - which i am not! I expect them to find my payment, credit it to my account as of XXXX XXXX, and remove any interest that accrued on that missing payment in the last month! I also expect the harassing calls to stop, and for them to remove any negative information they sent to credit reporting agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and doesnt belong to me. 

XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX {$1100.00} Opened : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/2025 RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account number XXXX
Product: Checking or savings account

I previously maintained an Advantage Plus Banking checking account and an Advantage Savings account with Bank of America, the accounts were opened on XX/XX/2022. 

On XX/XX/2022, I was trying to request a transfer of funds ( {$10000.00} USD ) from my XXXX XXXX  XXXX XXXX US account to the Bank of America account. I am the owner of my XXXX XXXX  XXXX XXXX XXXX account, and I had sufficient funds to be transferred when I requested. In addition, I have also successfully linked my XXXX Bank XXXX XXXX US account to the Bank of America account prior to the transfer. 

However, Bank of America insisted that the above-referenced deposit from XXXX Bank was unauthorized and belonged to a third party, Bank of America claimed it was fraudulent activity and closed my accounts. 

I have already provided evidences including a letter of proof from XXXX, which confirmed my account ownership and my good standing with the XXXX XXXX XXXX XXXX XXXX bank, along with my XXXX Bank XXXX XXXX US account bank statement with the fund transfer history.
Product: Checking or savings account

On XX/XX/XXXX I reported {$480.00} in fraudulent charges by XXXX XXXX  to my account via my debit card. 
On XX/XX/XXXX they closed the claim and said that the charges where legit. 
XX/XX/XXXX received a letter stating that the charges where legit because my card and pin where used and that i must have authorized someone to purchase. 
called claims department on XX/XX/XXXX and was told that it was final decision and could not be reopened or redisputed
Product: Debt collection

This collection agency is attempting to collect a debt of {$3200.00} that is way passed the Statute of Limitation of 7 years in New York State. I want this agency to delete and discharge my debt
Product: Credit card or prepaid card

I have a secured credit card with First Progress ( partner with Synovus ). Prior to this month, I had always used bill pay through my bank XXXX XXXX, because when I opened the account they had no way to pay it on their website. I went in to pay my bill ( which is paid in full every month ) on XX/XX/XXXX and saw that it could now be paid on their website which I did. On XX/XX/XXXX the payment of {$330.00} cleared my checking account. ( XX/XX/XXXX FIRST PROGRESS PAYMENT XXXX XXXX XXXX XXXX {$330.00} ). I went out of town on XX/XX/XXXX and attempted to use my card on XX/XX/XXXX since the payment had cleared my bank and showed a payment on my credit card statement. When I opened the account I had deposited {$350.00} to use against the card attempting to establish credit history. When I attempted to use my card it was declined, I went in that evening and saw my balance was " XXXX '' and only a small amount was available ( the diff in {$350.00} and what I had paid off {$330.00} ). I called and was told that when you make a payment on their site they put a 10 day hold on the money even though it had cleared my bank and was sitting in their account for 3 days, They said it would not be available until XX/XX/XXXX. I was never told this practice by them, as when I opened it payment was not available on their website, He said it was in the paperwork- not in the paperwork I got when I opened the account because it wasn't an option. He said if I had used bill pay it would be available. The money came out of my account on XX/XX/XXXX and shows a credit on my account as of XX/XX/XXXX as being paid. I would like to know how legal this is and why they will not release it prior to XX/XX/XXXX. He was very rude and was supposedly a " supervisor ''. I contacted Synovus and she put me thru to this person, I also sent Synovus a message on their XXXX page and they replied stating they would contact me shortly, but 6 hours later I have no call. I do plan to close this account shortly and I do expect my entire {$350.00} be returned to me expeditiously, not 10-14 days later, I hope that you can address this problem and see that no other people go through this with these fly by night companies holding peoples ' money " hostage ''. That is MY money and they are sitting there collecting interest on it and refuse to let me use it, Thank you
Product: Credit reporting or other personal consumer reports

SEE LETTER AND EXHIBIT ATTACHED TO SUPPORT MY CLAIMS, UNDER PRIVACY ACT OF 1974 Per the FCRA, as a Federally protected consumer, I am now OPT OUT of all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802 ( b ). 

( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

Have been told to write a letter and have not gotten any disclosures in regards to specific means to opt out and to exercise that right ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

( g ) Duration of consumer 's opt out direction. 

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. 

( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
Product: Credit card or prepaid card

For complete transparency, I had two credit cards for one account, same card/account number, both are chip cards. I lost my original card in XX/XX/2022 and was issued a replacement. There were no fraud charges and it wasnt stolen, it was just misplaced. I found the original card later, and kept them both. About a year later, 4 fraudulent charges were made using the original card. This original card was now stolen. 

4 fraudulent charges from XXXX XXXX were made, in person. I received no notification from Bank of America, no alert, nor were any of the charges confirmed by me. 

Dates of charges and amount : XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX : XXXX XXXX XXXX XXXX CA, XXXX I contacted Bank of America on XXXX, opening a case with their fraud department case XXXX. It was denied on XXXX due to the transactions being done in person and a chip card being used. I asked what I could do to prove this wasnt me, they advised me to open a case with law enforcement, so a detective could watch the security cameras, was advised as well to send over my time sheet and I was told my case was reopen. 

XXXX filed the police report and sent over the fax. 
XXXX found out it was never reopened, stating it was ineligible. The case was officially reopen. 

I created a police report on XXXX, including my time sheet from work, showing I couldnt physically be at a XXXX during when the charges took place. On XXXX I fax over this information and received a confirmation. Police Report number XXXX, with XXXX ( badge number ) XXXX. 

When I did contact Bank of America on XXXX I was told they never received this original fax, and my case was never reopen, stating it was ineligible. I reopen the case again, advising I would resend the documents via fax, including new documents. Bank of America will only accept these documents via fax. 

I contacted XXXX on XXXX and was advised the only thing they could do was send me the receipts for the charges. Originally, I was told by a Bank America representative on XXXX these charges took place at XXXX XXXX XXXX XXXX and XXXX XXXX EST. However, the XXXX receipts show different times. This is why the times differ on the original police report. I have since corrected these times with law enforcement. On XXXX I refax everything, including the receipts this time. 

I contacted Bank of America again on XXXX, inquiring if they received my faxes and was informed my case was never reopen, they never received my faxes, and it was ineligible due to a chip card being used. I inquired that I was unsure how the chip card can identify me as the person using it and was told no information could be released. I ask to receive the documents used to close my case and received two documents on XXXX. Which can be seen as attached. A letter and my original fax machine cover page. 

I no longer can communicate with Bank of America effectively. 
I do not have a history with this XXXX location.
Product: Credit reporting or other personal consumer reports

Please reference previous compliant - XXXX, that was closed by CFPB even though it was unresolved, Credit Karma made several false statements in their response and have still not secured my personal credit information. they have still not changed the log in phone number, so the original hacker still has access to my personal and credit information. This has resulted in 3 of my credit cards being hacked, days and weeks before XXXX. I had to close those cards and request replacements, which resulted in me not being able to use them in those few weeks before XXXX. that is the credit issue that i know about as was able to correct, with a lot of headaches, but i am yet to know about any other issues that have not yet shown up. and those new cards will show up on my Credit Karma report, which I don't have access to but the hacker still does. 
This is unacceptable. Credit Karma has a responsibility to protect my personal and credit information. they have failed this responsibility. 
I need the log in phone number changed back to mine, so i can access my account, and my account is once again secure and not accessible by anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX
Product: Consumer Loan

Complaint : CitiMortgage, XXXX & XXXX posted our mortgage payments from XXXX XXXX to present year XXXX and called to collect over the phone payments ( EFT - electronic funds transfer ) for the ( ACH - automatic check handling ) payments in the form of personal checks already posted to our account, assessed us late fees for additional payment applied to principal ( misappropriated installments including XXXX PA real estate taxes, city of XXXX PA taxes and XXXX Area School District Taxes ), reported out posted late to national credit bureau XXXX XXXX and XXXX when our Mortgage insurance payments were never late, our CitiMortgage note terms should have been stated in rider when servicing changed ( XXXX of the month due with 15 days grace period ) we were never late greater than 10 years of payments, applied additional fees for servicing, denied loan modification application, denied refinance application, denied federal application for HARP, added additional interest on our original note dated XXXX XXXX with fixed 5.5 % interest backed by XXXX and added additional finance fees on top of the finance fees assessed on our settlement document, thus misappropriated our mortgage financing with interest payments reporting us in foreclosure as delinquent - erroneously. We wish to receive legal writ of satisfaction for all mortgage payments applied to principal and mortgage loan note. We provide the attached uploaded document record of all carbon copy personal checks log, and printed franked records made available online. We wish to include class action notice with XXXX c/o XXXX and have not received any payments nor listed us for XXXX records. CitiMortgage, XXXX & XXXX have exceeded 7 - 10 days written response to our letters, exceeded the 30 day investigation thus escalating our qualified requests in writing for mortgage principal payment adjustments citing additional yearly payments applied, denied request for reverse late fees providing franked records of posted payments withing the note guidelines, and failed to refund monthly monies assessed accordingly. We provide detailed documents to stop phishing, harassment, imposing XXXX, undo stress and deformation of character. We seek restitution thereof, to be made whole, and immediate writ of satisfaction ( mortgage paid in full ) immediately.
Product: Money transfer, virtual currency, or money service

We, the Bank sent wire on behalf of our client on XX/XX/2021 for {$13000.00} to HSBC NY routing number XXXX to credit HSBC XXXX XXXX, Swift Code XXXX, to credit beneficiary. The Beneficiary claims the funds have not been received in their account. We have sent 8 service messages to HSBC in New York. The dates the service messages were sent are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. The messages to HSBC NY are to ask for confirmation of credit and then recalling the funds to be returned. HSBC had not responded or acknowledged any of our service messages. I also contacted Customer Service at HSBC at XXXX, but they were not able to give us any information as we are not their client. As of today XX/XX/2021, we don't know where the funds are at.
Product: Credit card or prepaid card

Around XX/XX/2018, I ordered two items from XXXX 's using my XXXX 's credit card. I rarely use that card and had forgotten I had ordered anything from them. I had received the items, but since it was nearing the beginning of the school year, and I XXXX, I often buy clothes for school in XX/XX/XXXX, and I lose track of where they come from. I never received any kind of billing notice - either through my email or the postal service. Today ( XX/XX/2018 ), I saw a notice online of a change in my credit rating due to the non-payment of the XXXX 's card. When I called XXXX 's ( I had originally thought this was a fraud incident ), they informed me that the original {$110.00} bill was now {$180.00} due to late fees. This had happened to me several years ago, but for some XXXX reason, I opened another line of credit with them a couple years later. XXXX 's insisted I had been sent notice of the bills, but I never have. When I was talking to one of the associates early in the process of trying to resolve the issue, I was asked if I wanted to establish a verbal password in case someone ever tried to call and pass him/herself off as me. I agreed. the associate said I would get a notice on that in my email. She made sure she had my email address correct. That email never came. That was 6 1/2 hours ago.
Product: Debt collection

I had an online payday loan from speedy cash for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from speedycash.com to be given to a creditor ( XXXX XXXX XXXX XXXX , XXXX ). I could no longer contact speedycash about my account because it was sold to a creditor without my permission. My rights were violated by both speedycash.com and XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccuracies on Credit Reports Regarding XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit reports concerning an account with XXXX XXXX  XXXX The information reported by XXXX, XXXX, and TransUnion reflects inconsistencies and misrepresentations that are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, my concerns are as follows : Misrepresentation of the Credit Limit : My credit report lists a credit limit of {$6900.00} for the XXXX XXXX account. However, this account has been charged off and is no longer active. Listing a credit limit on a charged-off account constitutes a misrepresentation, as I am unable to utilize this credit line. 
Misleading Available Credit : XXXX inaccurately reports that I have an available credit balance of - {$2300.00}. This figure is misleading and mathematically incorrect, creating confusion regarding the true status of this account. 
The reporting of a charged-off account with an active credit limit and misleading available credit figures violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits the use of false, misleading, or deceptive representations in connection with the collection of any debt. 

The credit reporting agencies ' failure to ensure the accuracy of the information provided to them by XXXX XXXX  and their subsequent misrepresentation of this account also violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Requested Resolution : I demand that the Consumer Financial Protection Bureau intervene to : Investigate the inaccuracies regarding the XXXX XXXX  account across all three credit reporting agencies. 
XXXX XXXX, XXXX, and TransUnion to correct or remove all misrepresentations related to this account, including the reported credit limit and available credit. 
Provide me with confirmation of the corrections or deletions made to my credit reports. 
I have enclosed copies of my credit reports highlighting the disputed information, as well as supporting documents demonstrating the misrepresentation. 

Please take immediate action to address these violations of my consumer rights. I look forward to your response within the 30-day timeframe mandated under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My wife and I opened a 10 year mortgage for my vacation home in Florida in XX/XX/XXXXwith XXXX. After about 7 years, I received notice that my account was being transferred to Seterus, Inc. and I should start making my payments to them. We live in Michigan and own a small business, we were greatly affected by the XX/XX/XXXXrecession. As a result we accumulated a large amount of debt which we committed to paying in full and not shirk our responsibilities by going to short-sale or foreclosure. We made our monthly mortgage payments to Seterus on a regular basis, but the payments were sometimes late. Not over 30 days, but we incurred numerous late fees. In XX/XX/XXXX, I called Seterus to make my final principle and interest payment and mentioned this at the time. They gladly took the payment over the phone to pay the principle and interest in full. They then stated that we had some outstanding late fees, I said I was aware of this and asked if I could speak to someone who might offer some assistance in reducing these late fees to close the account. The representative said she would send us a payoff statement and have someone call me. The statement I received did not show the amount that I had calculated as late fees. In fact over the next 5 months I received 5 different letters/statements all with different amount due of late fees. I attempted to reach out to a representative to resolve this issue. I was tossed from one representative to another, left numerous message and never received a call back, and was even hung up on. One time when I did speak with a rep. and asked about the discrepancy about the fee amounts I was told that since our last payment went 31 past due because of the holiday, that the system automatically billed us for another monthly installment even though the principle and interest was paid in full. Finally, in XX/XX/XXXX, after no viable correspondence, I decided that I would start making monthly payments on the account. I mailed in {$500.00} in good faith. A week later I called to see if they had received the payment and was told that my account was paid in full and I had a {$0.00} balance. I was unaware, that while I was trying to contact Seteraus to resolve the late fees that I was being reported negatively to the credit bureau. It took until XX/XX/XXXX to receive the Satisfaction of Lien statement from Seterus. Now my credit shows that I was up to 120 days late, which is very damaging, and I am trying to obtain a new mortgage. I thought after almost 2 years my credit would solid. Much to my surprise, because Seterus, it is not.