23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Saturday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a Pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid over {$1300.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

This is inexcusable. EdFi wants to keep their money and run. Give us our refunds and reinstate our balance.
Product: Checking or savings account

On XX/XX/2025 I logged into my Citi Checking Account to send XXXX payment to my other account. As soon as I hit submit to send {$500.00}, Citi Bank blocked my account and a message said to call them. I called immediately and was told that my account is in review and I do not have any access to it! I was told to wait 48 hours for someone to contact me. I have around {$1500.00} in my Citi checking account that now I do not have access to. It has caused me extreme stress as I need to pay rent and my bills. I asked for a supervisor and still did not get any help. Customer service was extremely incompetent and refused to help in any way. They seem to be outsourced and could not get any supervisor in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires i never filled out any applications for these credit cards, bank loans they were all denied but have hurt my credit.ive called XXXX   they would not help in any way. This has ruined my entire life. I mee help. 3 capital one applications XX/XX/XXXX and 2 in XX/XX/2018, XXXX/XXXX XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX/XXXX Inquiry from XX/XX/2018, XXXX  Inquiry from XX/XX/2018, XXXX XXXX XXXX Inquiry from XX/XX/2018
Product: Mortgage

Refinanced home along with escrow balance with XXXX XXXX  ( Closing date XX/XX/2020. Signed closing papers on XX/XX/2020 ). XXXX XXXX  transferred mortgage with escrow account to XXXX who assigned TMS ( The Money Source ) to service loan on XX/XX/2020. Made payment including escrow to TMS on XXXXReceived XXXXcounty notification to pay taxes due since XX/XX/2020. Contacted TMS over the phone to notify them to pay property taxes as they are holding the fund in escrow at least 6-7 times including a supervisor on recorded line who mentions ' Honey! Your loan is transferred to XXXX XXXX we have nothing to do with it anymore ..etc '' Contacted XXXX XXXX XXXX several times who could not find the transfer anywhere in their system even with the transfer account number provided to me by TMS. Called TMS again several times to make them aware of it and need for paying property Taxes ( Since they mentioned it may take 60 days to complete transfer and I am already delinquent to pay taxes ) with no clear directives or solution but mostly beating around the bushes so to speak. Contacted XXXX  XXXX  3 times who gave me a case number and escalated the case but no result so far. Contacted original lender via e-mail with no response so far. Please advise! Please help! It can not be a NORM in the process, Thanks!
Product: Credit reporting or other personal consumer reports

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant XXXX, and I implore you to promptly correct this error by removing it from my account.
Product: Credit card

On XXXX XXXX, 2015, I have noticed that Jc penny have pulled my credit report without my consent. The company states that it will take 60 days, but it has been 60 days and the company has failed to take the XXXX inquires off my credit report that shows up on transunion credit report twice, which resulted in my decrease of credit score. I was informed ny the credit bureau that it does not take 60 days to remove an inquiry, instead it only takes about a month, all the company has to do is email the credit bureau asking them to delete the inquiry. which the company did not still do so,
Product: Debt collection

Case of Identity theft CITI keeps transferring one debt collector to another None of the Validation information has been provided No signature on contract
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello I am a single XXXX American woman residing in XXXX NY. In XXXX of XXXX I purchased my home in the XXXX XXXX section of XXXX NY. The total purchase amount was considered a jumbo loan so I had to take out 2 loans at closing ... one was a conventional mortgage at 4 % and the second was a line of credit from PNC bank for the balance {$150000.00} The interest on this second mortgage was and still is 9 %. I have tried 4 times throughout the life of this loan to modify to a lowered interest rate. Each time up until recently ( XX/XX/XXXX ) in the XXXX of a pandemic I have been denied. I started the process in XX/XX/XXXX, submitted numerous documents via fax and XXXX only to be told that I did not qualify for a modification, that I had exhausted all other options and that I am now 4 months past due. The reasons given for the denials is always that my income is not sufficient to qualify. So I am forced to continue to pay an interest so exorbitant on a package they no longer offer for new applicants due to its predatory nature. I believe that ECOA violations have occurred and I wish to file a formal complaint against PNC bank for Discriminatory mortgage lending practices.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am being incorrectly charged on my bills. I have called several times and also entered an official complaint, but the letter I received from XXXX XXXX did not offer a valid response as to why I am not getting the correct interest rate. I have enclosed a copy of XXXX  letter and also the contract with the sections highlighted as to why I should be getting Prime minus 0.51% (i.e. Prime minus 0.26% stated in section 6 of the agreement, and minus an additional 0.25% Relationship Discount stated in section 7 of the agreement).The relationship discount is valid under the checking account I opened. This has been a problem since the loan began, and as per my rights under the agreement I deducted the (disputed portion 0.25% charge) while the dispute process was ongoing.•	Letter from Loan Operations Manager says that I am supposed to be receiving the relationship discount yet the math is incorrect. (See copy of letter from XXXX XXXX) (Also see highlighted sections 6 & 7 of the Agreement & Disclosure Statement)•	Using the .26% figure in section 6 of the contract the math is correct, but I am supposed to be getting both discounts subtracted from the prime rate.•	Both sections 6 & 7 of the contract are clearly checked off meaning my rate should be prime minus .51%. So far I have not received a clear explanation as to why I am not receiving both discounts. Additional Issue: Section 21 of the Agreement says that I do not have to pay the disputed amount while a formal dispute is in process. I have highlighted this section in the agreement. Nonetheless TD Bank has marked my credit report as delinquent and it has affected my credit rating.
Product: Credit card or prepaid card

Synchrony Bank mis-allocated payments between promotional balances. They acknowledge it was their mistake and apologize when I contact customer support and billing, yet they still report late payments to credit agencies which damages my credit score. I make all payments in full and on time exactly to the terms of their contract, but they refuse to correct their reporting error. Synchrony Bank does not operate with integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was rejected a credit card application due to SSN fraud alert that I couldn't resolve due to covid issues at the time. 
On XX/XX/XXXX, a new job couldn't run background check completely due to a fraud alert " Input SSN likely not issued prior to XX/XX/XXXX '' so I was held behind in the process for 3 weeks and the background check came out inconclusive regarding my SSN although i provided the job my copy of SSN and was able to work but it was a hazzle. 
On XX/XX/XXXX, I was denied a lease agreement due to credit report coming out as High Risk, not trusful. I was required to get a cosigner when I don't have anyone to help me with that so in order to be able to rent I had to pay more and my credit score was useless after all these years of working to improve my credit. When I needed to use it, it created me more issues. All of this is preventing me to have access to regular services and leasing. 
On XX/XX/XXXX. I applied for Internet services with XXXX. They holded my credit again and told me because my social is not correct. I told them my numbe and XXXX said it was weird that Equifax would set a high risk alert since my information was correct, but for procedures they would still need copies of all my information and ssn. 
I need this High Rish fraud alert to dissapear. It is preventing me from having services and a normal life. The covid situation is already difficult and this is too much. First of all. I didnt commit any fraud. Secondly, as an XXXX  there is obviously a reason why the social wasn't issued before XXXX, so it shouldn't create an alert of high risk. I need to move on with my life. I need things to work, I deserve that since I worked so hard to keep my score clear so when I need it, I would get services available.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to XXXX, Equifax, and XXXX to get inaccurate personal information removed from my credit report. I also sent out a letter on XX/XX/year> to all 3 credit reporting bureaus to removed the inaccurate personal information as well. I advised them that my one and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. All other address should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS XXXX XXXX XXXX XXXX 
XXXX. Putting a collection on my credit report that is not my account. 
XXXX. Putting the same account that is in collection as a regular account XXXX others items on my credit report. A TOTAL OF 3 times thaXXXX XXXX XXXXs on my credit report and they refuse to remove any of themXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Have never provided XXXX of validation or written signature for any of the accounts listed below. 
XXXX. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute XXXX. They have blocked me from disputing online because I complained on here. 

I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. 
My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. 

Accounts I am suing them over : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$28000.00}.
Product: Money transfer, virtual currency, or money service

I sold an item to a XXXX subscriber via means of a link/ad using PayPal business App. The buyer claimed the item was not as descibed. Here is the conversation and all communication between me and the buyer. Questioning " reverse discrimination '' as potential motive. I was given a {$50.00} credit/award to my PayPal account . Then with out notice or warning, my account is at - {$15.00}, account restricted, no incoming or outgoing transactions allowed. Their customer service team responded to my request for an appeal about their decision to award the buyer a dispute, that was escalated to a " claim, '' to a full refund and and rule in his favor of me selling an item that was not as described. At the time of the sale which was shown, the money collected was instantly made available. 4 days or more later, PayPal took {$50.00} from my account after my mom had sent me {$100.00} for gas and food. I found out by calling in that the {$50.00} was taken from my account because of claim against me for selling an item not as described. Paypal informed me later that the item sold was being returned to me and they were issuing the buyer a full refund. Then, because the buyer already returned the item and got his money back that PayPal wouldn't allow me to issue an appeal.
Product: Credit card or prepaid card

I applied for a Capital One Credit Card and was declined. I have a XXXX FICO Score and do n't understand why I was declined. 

Can you please let me know why I was declined.
Product: Payday loan, title loan, personal loan, or advance loan

Conns cut me out from seeing my online account 6 months ago. now i have been asking them to reset my user name and password and they refuse to update. My account been at XXXX dollars the last XXXX months because i cant see my account my payment are not being reflexted and they no it. i ask them to sent me a payment history how my payments are being deduted and they refused to sent me the payment history.
Product: Prepaid card

On XX/XX/XXXX at XXXX tried using XXXX XXXX XXXX XXXX or payfare to order food from restaurant. Entered all information and I was told I entered wrong information. I had XXXX XXXX XXXX  in my hand entered all info and again was told I entered wrong info and they suspended my account. Called payfare card with no help from customer service. They directed me to check email. They wanted picture of ID or driver license. And picture of my holding license which I did. Still no help. I called again just to be told same thing. So I can't get paid thier holding my past pay of {$28.00} and won't help or respond or just turn my account on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly considering the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has neglected to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

XX/XX/2022 I contacted the hospital to verify the debt in which I was made aware that it went into collections which is a violation of HIPAA. Which was created t protect private and sensitive health information from being disclosed without my consent or knowledge. I did not agree to have this sent to a collection agency where they were able to gather my private information such as a home address, social security number, phone number, medical finance information, and so forth. This is a direct violation of HIPAA via " HR-2537 Consumer Protection for Medical Debt Collections Act ''
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting

I noticed on my credit report that it shows I have applied for credit accounts and cards. I have not applied for any credit in more than ten years. I have not authorized anyone to view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint for Violation of FCRA and Demand for Immediate Removal of Reinsertion Account Dear CFPB, I am filing a formal complaint against EQUIFAX for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically the reinserted account listed below. This account was previously deleted from my credit report, and I am now demanding its immediate removal due to violations related to the reinsertion of the account without proper verification or notification. 

Account Information : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Original Report Date of Removal : XX/XX/XXXX Date of Reinsertion : XX/XX/XXXX Background : On XX/XX/XXXX, I disputed an account with EQUIFAX due to inaccurate information. After a thorough investigation, EQUIFAX removed the account from my credit report on XX/XX/XXXX, confirming that " the disputed item is not currently reporting on the equifax credit file ''. I have attached proof of this notice. 

However, I discovered on XX/XX/XXXX, that the same account was reinserted into my credit report. This reinsertion occurred without any proper certification or written notification of the accounts accuracy and completeness, as mandated by the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 5 ) ( B ). 

FCRA Violations : Violation of Section 611 ( a ) ( 5 ) ( B ) - Reinsertion of Disputed InformationThis section prohibits the reinsertion of deleted items unless the information provider certifies that the information is accurate. EQUIFAX failed to provide such certification, which constitutes a violation of my rights. 

Violation of Section 623 ( a ) ( 3 ) - Duty to Correct and Update InformationThe reinsertion of the account without correcting the underlying inaccuracies breaches this section, which requires that information furnishers update and correct inaccurate data. 

Violation of Section 611 ( d ) - Notification of Reinsertion EQUIFAX failed to notify me in writing within five business days of the reinsertion of the previously deleted item, violating my right to timely notification under this section of the FCRA. 

Violation of Section 607 ( b ) - Maximum Possible AccuracyThe reinsertion of inaccurate information, as well as the lack of procedures to ensure maximum possible accuracy in consumer reports, is a violation of the FCRA. 

Harm Caused : The reinsertion of this inaccurate account has caused significant harm, including : Damage to my credit score Increased stress and time spent addressing this issue Negative impact on my ability to secure a mortgage This issue has severely affected my ability to pursue homeownership for my family, and it remains unresolved due to the incorrect information on my credit report.