23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying on this 4k loan since XXXX, They have received over 25k in payments from this loan. I tried contacting them, but not getting clear answers of why. I had this both loans added to my XXXX bankruptcy and discharged, but they still continue to bill me and ignore the paperwork, because I work for XXXX and was going through a clearance process I had to pay them. I have been monitoring my payments even increased the payments. I notice within the past 6 month the interest payment goes up and down. The loan was taken out in XXXX for a school that longer exist XXXX XXXX XXXX. They have gotten 40k off of a 4k loan and I still owe them an additional 6K. Whenever I get momentum they move the mark by increasing the interest rate. Just seeking guidance. This may be my 3rd complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I was contacted by phone by someone impersonating the fraud department of XXXX XXXX Bank. They had personal information about me- and told me someone had hacked into my Citibank account and was taking money from it. 

They told me to put numbers in my account and the money transfer would be stopped. 
I inadvertently sent a transfer to an unknown person {$4900.00}. 

My complaint is against both Citibank and XXXX. Citibank should not have allowed me to send a large amount of money to a new person. That is standard bank best practice, and I have experienced this with Citibank and other banks previously. 

All my credit cards are relentless against scams. I get calls if I am in another country, and the card recognizes a different country or an unusually large purchase. 

I have been going back and forth with Citibank since XXXX, I am getting the runaround. 
I have been with the bank for at least 40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

Most recently I've been back and forth to XXXX. because I had XXXX XXXX XXXX and so it took some time off. vacation with my girlfriend and her family. With my XXXX XXXX I kind of spaced out. with my finances and I looked up at the end of the month and all my credit cards were maxed out which was kind of strange. And then as I started looking through payments and charges they were several that I didn't recognize and prices that I didn't approve. Due to the trauma from the accident I didn't really know or pay attention to the amount I have spent. So now I am unsure? I'm bank account I'm unsure, its empty, on my three Capital One accounts and I don't know. And I don't know ifget anything else is left to take! I was hoping that you guys could keep a fraud alert on my credit, and help me with dealing with my bank and Capital One is far as unauthorized purchases on my account I need yall 's help! I've been working for years to get a good credit score and now it's gone down it! and I thank you for helping me God bless!
Product: Credit card or prepaid card

Date of XXXX XXXX XXXX My Barclays XXXX was charged by a hotel in error in the amount {$1000.00} who have refunded the money back on to my card and Barclays have yet to credit back to my account. I have reached out on numerous occasions to the customer service and have gotten nowhere. From the look of these reviews, it seems to be an ongoing issue. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of America called said someone in another state had received credit report of mine and opened a card in XXXX XXXX XXXX. Said case number with you was XXXX refused to give me your phone number. He only wanted to transfer. I thought it was a scam. Called my bank and had a freeze with XXXX, XXXX and XXXX as a result of his call and this is what my bank told me to do. Do you have a case number XXXX? Thank you.
Product: Debt or credit management

On XX/XX/2024, I called what I thought was XXXX collections to arrange a possible fair resolution to an issue I have. I found I was actually speaking to someone called " XXXX '' at XXXX XXXX. He sold me a credit cleaning program that day for {$270.00}, with a promise that my credit problems were easy to fix, and he could save me thousands of dollars. I was extremely clear that I needed to make a large purchase in XXXX  months and couldn't make any mistakes to block the attainment of improved credit by XXXX. Here it is XXXX months later with no improvement. It seems that my scores have gotten worse, even after payoff of a card and trying myself to clear up an unfair collection by XXXX XXXX. I have been in contact nearly daily with anyone who will answer at XXXX XXXX, mostly a supervisor called " XXXX ''. I have emails and voicemails from XXXX leading me to believe she was getting me my refund to make this problem disappear, but still is avoiding me or pacifying me with lies. I have invested {$670.00} that I would like back. Instead they keep saying I will see big progress " next round of letters '', and when I try to stop the program they just keep offering a discount XXXX after another. I have stopped the failed program and have waited patiently for " XXXX '' to follow through with my refund, but I do not believe they have any intention of refunding my money. They also refuse to send me any proof of sending anything on my behalf.
Product: Credit reporting or other personal consumer reports

Accounts listed> XXXX XXXX {$780.00}. 
XXXX XXXX {$950.00} XXXX XXXX {$220.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$4100.00} I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways.
Product: Credit card or prepaid card

In XX/XX/2022, I reached out about a payment. I erroneously put funds in the wrong account and the payment resulted in insufficient funds. As soon as I realized the problem, I contacted TD Bank. I was told the payment was processed and there were no issues. To prevent further issues, I paid off the accounts. I then began to receive letters stating the insufficient funds issue which I was told was not an issue. I called back and was told the letter are delayed so the were sent after the insufficient funds issue, but before I paid off the balance. I did not receive anything indicating there was an adjustment to my credit limit. Fast forward to this week, I get an email indicating a {$310.00} credit limit when my limit was between {$8000.00} & {$12000.00}. How is it that one discrepancy in my 11 year payment history warrants such a dramatic decrease in my credit limit? I have NEVER missed a payment in the time that Ive had and used this card. I reached out prior to their system even knowing there was an issue and offered to make the payment over the phone. I was told I it was processed. Now Im being told that I had to call in XXXX about the credit limit issue but I wouldve only known about it if I logged on to the online portal which I did not have a need to do because the balance was paid off. No written notification yet this reduction because I made one mistake and was proactive in rectifying it and the customer service is no help. What are people who care about their credit scores and debt to credit ratio when they are operating in such a negative fashion. Ive never had a credit card in my 20 years of having credit that engaged in such harsh retribution for an error that was easily rectifiable.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

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: Debt collection

I already reached out to the credit bureaus and to I C SYSTEM INC for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A I C SYSTEM INC ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.
Product: Credit card or prepaid card

I have had this account opened since XX/XX/XXXX and have had perfect paying history on this account. I applied to refinance my mortgage and was not approved for a favorable rate because it is reporting in XX/XX/XXXX that I was 30 days past due on my Capital One Credit Card Account on my credit reports with XXXX, XXXX and XXXX. I remember in the month of XX/XX/XXXX I logged into make a payment from the Capital One website and the site was down and was not able to make a payment. I logged into my XXXX bank account and set up a payment in the amount of {$300.00} from my online bill payment system. I noticed a few weeks later that the payment never posted to my capital one account. I immediately contacted Capital one and made them aware of this issue and we scheduled a payment over the phone. I ended up contacting XXXX and they informed me that the payment was sent electronically to Capital one and they gave me the ID transaction number XXXX. I informed them that Capital one never posted this payment to my account and that Capital one stated it was not received. The representative said that the only way for me to get the funds back is to file a dispute for the {$300.00} that was sent to capital one which I did receive the {$300.00} back about a week later. However my credit score has suffered from this issue caused by the Capital One. I did send the funds and I do have records of making the payment but they just never posted it to my account. I am requesting that Capital one removes the 30 day late payment from reporting to XXXX, XXXX, XXXX, and any other major credit reporting company they report to because this was indeed a BANK ERROR. My credit should not suffer because of a bank error and this is totally unfair to me because now I can not save money by refinancing on the high interest rate I am paying for my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with CFPB on XXXX/XXXX/XXXX against Equifax the case number is XXXX. On XXXX/XXXX/XXXX the XXXX 's XXXX to the complaint via CFPB was the following : Equifax has reviewed your complaint and its records regarding your dispute. The disputed Bankruptcies case numbers XXXX, XXXX and XXXX are currently not reporting on the Equifax credit file. 

I called Equifax to get an updated report and the rep told me that all three bankruptcies are showing on my file. She also said that Equifax do not communicate with CFPB at all.
Product: Checking or savings account

On XX/XX/2022 TD Bank deposited by stolen check # XXXX into XXXX XXXX 's account. My stolen check # XXXX was washed and all fields were rewritten and the amount changed from {$78.00} which I have on my carbon copy to {$5200.00}. The check issuer XXXX XXXX states all their checks are protected by XXXX. The security features on the back of the check are all missing- the back of the check is white without the water markings and other security features- my signature is completely different on this check. Yet, TD Bank, deposited money from my checking account into XXXX XXXX 's TD Bank account. When my bank submitted a warranty claim to TD Bank on XX/XX/2022, TD Bank responded on XX/XX/XXXX indicating there was " no warranty breach ''. Then my bank attempted a hold harmless agreement with TD Bank to recover funds and TD Bank replied " non-sufficient funds ''. TD Bank has not indicated doing anything to investigate this Federal Crime to myself, the victim of this crime. They were given 120 days to investigate our claim ; and now since they have not shared doing any investigation ; I am asking for an investigation into XXXX XXXX ; the suspect- their member, who ended up depositing money stolen from me into TD Bank XXXX
Product: Student loan

My loans were discharged by total XXXX student loan discharge on XX/XX/XXXX with an effective date of XXXX of XXXX. I received a refund of payments from Navient however to dat they still show a balance on my account and list the loans in a forbearance status for one year. They are also listing that I need to recertify my Income Driven Repayment program status. Its been two months since Navient was given the information from XXXX and they still do not seem to have processed this correctly. My concern is that this will end up going back to a payment status in XXXX of XXXX and I will be forced to go through the process all over again. My XXXX are due to are service connected and this whole issue cause me a lot of XXXX. Can you please get them to correct process this so I do not have any problems in the future?
Product: Debt collection

BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine.
Product: Debt collection

LVNV funding has been trying to collect money from me on an account they do not own. It has been over XXXX plus days and I have not received any information from them or any validation showing me a contract between me and them or any wet signature. Please provide that signature or contract between us, if not, remove this information from my consumer report. I also never gave consent or any permission to Lvnv funding to report any false misleading information on my consumer report, this is definitely a violation of the XXXX.
Product: Mortgage

Loan Depot ( XXXX XXXX ) has denied my husband and myself a loan based on discrimination practices. When applying for the mortgage loan we received pre-approval and was instructed by our bank that is suppose to be experts on mortgages to proceed with a flexible rate, knowing flexible rates are not very favorable because your monthly payment can change without notice. My husband and myself agreed. Now time to proceed to underwriting and we are instructed because we are no longer approved. When asked why they state we do not have the income. However, working in the most secure industry in the United States, the lender gets to tell us we do not have the income? While we know several caucasians who have less income, less reserved assets approved and close on XXXX home with no issues. In addition, our caucasian associates have filed bankruptcy within the last 3 years and was still able to close on a XXXX loan with no problem with unstable income. More importantly XXXX XXXX denied to live in redline areas because underwriters are denying XXXX XXXX the opportunity to live in redline areas. However, if we apply for a home in a minority less developed area we are approved instantly. This basically telling XXXX XXXX you can only purchase in certain areas to be approved. This has discouraged several XXXX XXXX from becoming homeowners.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX was added to my credit report, and I requested information on who provided them with this. I have proof that it didn't come from the bankruptcy court.
Product: Student loan

On XX/XX/2023, I requested a refund of my payments made during COVID ( XXXX XXXX XXXX ). As you know, payments were suspended during the pandemic, but I chose to continue to pay as I did not want to lose any ground. I am a XXXX  and, eventually, I hope to have some or all of my loan forgiven. I found out that even if one did not pay during the pandemic, one could still have the credit for the time. I also found out that I could be refunded the money I paid in and keep the time. So, I called MOHELA and requested a refund. The amount would be around {$20000.00}. 

They asked a few questions and told me that I would get a check between 60 and 90 days. I did not receive my refund. I called again in XX/XX/2023. I sent an email in XXXX or XX/XX/2023 and called again. They claimed that they had processed the refund and it was in the hands of the Department of Treasury. 

I haven't yet received any money, but the amount owed was promptly ( in XXXX ) placed back on the account by MOHELA. 

Thank you for anything you can do for me.
Product: Credit card or prepaid card

My explanation to PayPal about my purchase of a gold neclase from XXXX  XXXX I placed this order on XX/XX/XXXX and paid $ XXXX same day.the seller promised to ship by USPS priority mail next day, he lied and texted me a fake tracking number then I went to check my order where was written order canceled, reorder. I contacted him and he told me that I will get my order after a week, I told him to cancel and refund my money, but the order was sent and according to USPS tracking was delivered on XX/XX/XXXX at XXXX at my doorstep. But there was nothing, I chased all my front yard and asked neighbors if maybe the mailman made a mistake, no results .when the seller shipped I warned him to stop the shipment because he told me that I will receive it after a week.He didn't stop. I opened a dispute with PayPal .After reveiwing withe the seller 20 days, PayPal made a decision on seller 's favor on the basis that according the USPS tracking number the item was delivered, which was clear from the first day I opened a dispute. I don't understand what was reveiwing PayPal with the seller and regularly asking me for additional information.Now I don't have my order. The seller has my money. I am not sure what was in the package, a couple of pack cigarettes or my {$290.00} neclase .because according seller, s statement the tracking number was created from XXXX , shipped by Other. Even the seller didn't see what was in the package. Today I made a claim to USPS Claim ID # : XXXX Below is the seller 's statement from Paypal Seller 's information Tracking info provided by XXXX  XXXX  XXXX Shipped by Other
Product: Checking or savings account

I submitted application online for business savings account. Business banker called and required that I provide social security number to complete application. No alternative was available to authenticate my identity. I expressed concern that Wells Fargo employees were able to see my full social security number with NO encrytion and was told this was the process. This was a business account and they refused to accept the business ' EIN. I asked if the ability for anyone to call in with the application number and they telephone representative be able to see the FULL social security number was a secure business practice and in compliance with NYS social security protection laws and federal rules. I was told its Wells Fargo policy and I had to provide SSN or cancel the application. 
I ask that you look into this practice given high potential for employee fraud, this does not seem in compliance with NYS and federal laws, and my identity can easily be authenticated with our information + an encrpyted SSN.
Product: Credit card or prepaid card

Bank of America had closed my credit card and did not give me any way to redeem or cash out my cashback rewards. They closed my account without any notice until after the fact. I had called them to get my rewards but they said once the account was closed it rewards were gone.
Product: Debt collection

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this informationntation ( a consumerPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this informationntation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately & deleted from all third parties & bureaus reporting without my consent.

Send a copy of this case to the Federal Trade Commission & the attorney general office for investigation Account : Credit Acceptance Corp XXXX This account is closed and has been closed for a while how can a balance still be reported