23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016. MIDLAND FUND LLC added a derogatory mark on my credit report per Identityiq. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or SIGNATURE for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA MIDLAND FUND LLC has violated my rights in multiple ways and I'm requesting legal action to remove this account Immediately. 

Also they do not have a license to collect in the state of Wisconsin.
Product: Checking or savings account

I opened a checking account with Current a financial technology company, through their sponsor, XXXX XXXX. During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank CBNA is reporting an incorrect balance on an account that they report as : XX/XX/2014 Charged off as bad debt Canceled by credit grantor I believe that this was a Citibank XXXX credit card account. 

The reporting lists an amount past due of {$14000.00} on XX/XX/2014, but lists a balance of {$18000.00}. They report the credit limit as {$17000.00} in the same report. 

I believe that the balance due is incorrect in the subsequent monthly reporting since XX/XX/2014. 

Additionally, in XX/XX/2014 Citibank CBNA was notified by XXXX XXXX XXXX XXXX XXXX that they were representing me. I continue to receive harassing phone calls regarding this account.
Product: Student loan

I had XXXX loans initially totaling {$38000.00} approx. I applied for PSLF and the SAVE plan. I was credited XXXX months for PSLF ( which I have proof of ), and my monthly payment under the SAVE plan would be {$130.00} monthly. Which I have proof of also. A few months passed and I received an email explaining that I needed to consolidate the loans and was told that it would not affect my XXXX credits or my payment. I even sent a message, which Mohela never responded to, stating that if it would affect my PSLF or payment, I did NOT want to consolidate. Mohela never responded. Fast-forward to my XXXX loans being consolidated down to XXXX, and my PSLF is now at XXXX, and my payment is a whopping {$460.00}?!?! Per month under the SAVE plan. Mind you this was the same exact plan I was under BEFORE consolidating. So, I called Mohela and was told that it was a glitch and that my XXXX payments should show up at some point ; however, it was out of their hands. But, I should call XXXX and request them to credit the XXXX months, or I could request to undo the consolidation. So, I called, and the agent said they could not credit the XXXX payments or undo the consolidation. She recommended I call Mohela back. So, I did that. Mohela then said I needed to call XXXX as they would credit it. I called XXXX, and they said it was the servicer 's responsibility?!?!!!!!!!!! 
Furthermore, they ( Mohela ) recommended I reapply for the SAVE plan, which I have 4 different times since the original {$130.00} payment. They either cancel the application or mark it as duplicate. I even called and requested that they please not cancel/mark it as duplicate, which they said they would do. Well, I just logged on, and guess what?! They marked it as duplicate, and my payment is still {$460.00} per month. It is beyond frustrating!!! I filled out XXXX years of different employers and contacted everyone at those jobs in 3 different states to have them complete the PSLF application only for Mohela to take the XXXX payments away and only show XXXX even after the PSLF applications say the process was approved. I am beyond done with Mohela! They take hours to answer the phone and do not respond to messages at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, Experian Business Credit on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, Car XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX
Product: Credit card

i have paid, my credit card monthly online, as I knew I was going on my honeymoon in XXXX I went in on the card holders site and pre schedule the last payment of {$12.00} to come out ... to my surprise when i got back from my honeymoon and check all my bills they all drafted but this XXXX ... the bill was due XXXX/XXXX/XXXX i went in and made the payment on XXXX and call and told their customer service their online system did n't draft the payment. They have now reported 30 days past due on my credit report as of XXXX ... but just sent me a new bill saying the {$12.00} is due XXXX/XXXX/XXXX ... this company billing system is completely miss leading and not functioning properly they have destroyed my credit over a {$12.00} bill that has been paid! Please assist me in getting this corrected the card holder is wells fargo, I have had the card since XXXX and never had a 30 day past due on any of my cards. I 'm a real estate agent and investor and know the importance of credit, this is going to cause all of my creditors to increase my interest rates! the company is wells fargo XXXX
Product: Debt collection

I have asked to verify debt and I did not get a response and verification
Product: Mortgage

First off, thank you for your prompt attention to complaints.I 'm in the midst of a potential foreclosure, that i 'm trying to avoid.I 've requested a deed of lieu but was told I had to do a short sale.But any offers for my house were turned down by Bank of America, which leads me to believe they are deliberately trying to XXXX me.I 've tried calling the one number & it does'nt go through.The other number I 've used, I get no response from the csm.The house is scheduled for sheriff 's sale on XXXX XXXX
Product: Credit card or prepaid card

I spoke with Citi via chat about my options for reducing or eliminating the annual fee on my Citi Premier Card. After unsuccessfully getting a customer retention offer, I closed the chat. However, the Citi agent continued and closed out my account without my confirmation or permission. This unauthorized closure jeopardizes points that have a cash out value of {$570.00}. 

The following is the chat history with the Citi agent : XXXX at XXXX, XX/XX/XXXX : Do you want to permanently close your account? 
You at XXXX, XX/XX/XXXX : Not particularly, but are you telling me that's my only option? 
XXXX at XXXX, XX/XX/XXXX : Yes correct [ at this point, I disconnected the chat ] BY CLOSING YOUR ACCOUNT, YOU WILL HAVE XXXX DAYS TO REDEEM YOUR REMAINING XXXX POINTS. 

IF YOU EARN XXXX POINTS FROM MORE THAN XXXX ACCOUNT, PLEASE WAIT XXXX HOURS BEFORE REDEEMING TO ENSURE ANY POINTS FROM THIS ACCOUNT ARE REDEEMED FIRST. 

YOU WILL LOSE ONLINE ACCESS TO YOUR THANKYOU ACCOUNT UNLESS YOU HAVE COMBINED IT WITH ANOTHER OPEN THANKYOU ACCOUNT. SOME REDEMPTION OPTIONS MAY BE LIMITED OR INELIGIBLE. 

By closing the account you will get the annual fees refunded Shall I close your account? 
XXXX? 
I have successfully closed your account And your annual fees would be adjusted on your next statement Be assured about it I really appreciate your time and patience. 
It was a pleasure messaging with you today! 
Feel free to rate your experience by clicking the End button to complete a survey. You can rate our service from XXXX to XXXX, with XXXX being the highest. 
Thank you for choosing Citi. 
Take care and Stay safe!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. Equifax, XXXX, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy XXXX. The Bankruptcy XXXX is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX XXXX XXXX XXXXXXXX XXXX  of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with equifax also but equifax will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$3000.00}, {$3100.00}, {$540.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$3100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$540.00} -This is not my account. 










I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises a concern about consumer safety.
Product: Mortgage

I had storm damage to my home and was issued a check to my contractor immediately by my carrieXXXX, XXXX XXXX. I sent endorsed check, along with the contractor 's report and signed proposal between myself and the contractor, along with an {$11.00} prepaid, stamped, addressed envelope to send back to me. My mortgage company received this package on XXXX The events that have unfolded have been a total nightmare with Shellpoint Mortgage. They will not endorse the check and return to me as they state my account is delinquent. It is not. I am in an active XXXX XXXX bankruptcy. I have talked to over 7 people, including a supervisor in the XXXX XXXX Department who has told me a different story - that I was late in 2020 and because of COVID restrictions, they can not release the check to me. His name was XXXX XXXX. I didn't even have my mortgage with Shellpoint in XXXX. Every single person has told me different information. I was also told my XXXX XXXX that his department didn't deal with this, to call customer service but that I needed to pay for an appraisal! I explained to XXXX XXXX that I should not be penalized for being in a XXXX XXXX bankruptcy and that I was not comfortable signing a new proposal with the contractor as I am going to be the one who gets sued when they do not receive their money timely. Given what has transpired to date, how can I believe anything they are telling me? 

Further, they received my package on XXXX and it is now XXXX and was told none of this when I first called on XXXX to make sure they received everything. This is the most incredibly inept, deceptive mortgage company I have ever been involved with. 

I am attaching a PDF document outlining dates as well as names as the events have unfolded.
Product: Checking or savings account

I was being charged a {$36.00} insufficient fee on XXXX cents at Regions bank starting 2019. I went to a local branch and nothing could be done. They suddenly stopped but I was not reimbursed the money I was already charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sallie Mae Date : XX/XX/XXXX Amount : {$3100.00} Creditor : Sallie Mae Date : XX/XX/XXXX Amount : {$6700.00} In accordance with the Federal Credit Reporting Act, this creditor XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681, Section 602, I have the right to privacy. Additionally, under 15 U.S.C. 1681, Section 604A, a consumer reporting agency can not furnish an account without my instructions. Furthermore, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I moved away from where I used to live. I had no idea that this bank was going to sue me. How was I suppose to defend myself if I never received a letter to appear in court. Now nearly 5-6 years of thinking I would get a call or letter from a debt collector to settle a deal with them not only do I not receive any information from the bank nor its collectors but I start getting a portion of my checks taken away. I am looking for advise on what I should do because I feel so blindsided by all of this.
Product: Money transfer, virtual currency, or money service

I have not been able to access my coinbase account since XX/XX/22. 
I have several existing cases with them which have all proven to be futile. 
Case # XXXX, XXXX, XXXX I have spent several hours on the phone with customer service. They only offer scripted lines to give hope the issue will be resolved in 48 hours. 
All of my emails have been fruitless. 
I get no response or a response that does not address my issue. 
I'm XXXX years old and have XXXX XXXX XXXX  for the past 30 years. 
I have all of my life savings with coinbase. 
I am not able to access my account, my funds. 
I feel that they are holding my money hostage without cause. 
I don't know what to do anymore. 
I'm loosing sleep every night. 
Please help. 
This type of behavior should be illegal. 
I'd press charges if I could. 
Please help me gain access to my account again. 
Sincerely
Product: Money transfer, virtual currency, or money service

I was scammed by someone who posted an ad on XXXX acting like a real estate agent. They said i could secure the unit with a non-binding lease agreement and a deposit of XXXX. I agreed and the day we were supposed to meet they said their mother died but have been unresponsive and I can not reach them now. The persons email also had a XXXX at the end which didnt match her real email. They post was eventually flagged on XXXX and taken down as well.
Product: Credit reporting or other personal consumer reports

I have no knowledge of some of the inquiries on my account. These hard inquiries are a result of identity theft and they must be removed within no later than four business days as per 15 USC 1681 c-2.
Product: Debt collection

Got a call XXXX XXXX, XXXXfrom a company stating they are from Chaplin Financial XXXX Quote '' the reason for this call is our office is in the process of proquesting you to be served by your county processor at your home of place of employment, due to a civil suit that has been filled with our company. In order for this process to be stopped you must contact our office immediately at XXXX Reference #  XXXX If you fail to respond to this message once contacted by the county processor you will be required to have 2 forms of ID, in signed documents. If you are served at your place of employment and are not present your supervisor or Human Resource person will be required to sign for you and deliver the summons to you personally XXXX XXXX ... you have been officially notified. " end quote. got a call from a lady XXXX XXXX she left number XXXX XXXX, XXXX I then called the number and talked to a XXXX XXXX whom then told me that the company was XXXX and XXXX. and that I had payday loans that where using there company to collect a debit. I asked them what companies where charging me, she asked me if I had taken any payday loans out I said yes I gave her the name and she said yes that was one and then asked me if I had any others I gave her another name and she again said yes that to was the other on, so really I was giving her the names of companies and she was saying yep those where the ones, instead of waiting for her to tell me. They were putting a judgement on me and reporting me and going to arrest me, take me to jail, it was going to cost me XXXX, but they would take XXXX off right away and another XXXX so if I paid immediately I would only have to pay XXXX. I told her I had to go to my car and get the debit card, she told me that she would have to email her attorney to see if that was okay and left me for about 30 seconds and she said that he would allow me to do it but if I did n't call back in a few minutes that they would proceed with the judgement and prosecution of me. so I called the loan companies at question and not one of them had a problem and I was up to date with payments and they suggested that is was a fraudulent inquiry. we hung up tried to call XXXX ext. XXXX the number she gave me she said was her personnel phone to her area I called and got a XXXX who actually left me a message the day before on number XXXX XXXX and XXXX which is now not working I called again and got a young lady  receptionist and quickly asked her for the address she gave it to me then I believe realized she should n't talk to me she quickly directed me to the numbers above. today XXXX XXXX no calls and no one showed up at my job or work and most of the numbers are not working. XXXX also told me that the company filling the complaint was XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX and Chaplin Financial hired them to collect the debit,
Product: Checking or savings account

XX/XX/XXXX I deposited {$110.00} into Citibank ATM. The ATM didnt deposit the money. After I realize the money didnt deposit into my bank I re-printed a receipt of my account and realize that reprinted money was not deposited. I then printed out another paper to see if it was deposited and it still wasnt. I tried getting help from a banker, but the bank was closed when I was there and the next day a hurricane was coming so the bank was not gon na be open. So I called Citibank to do an investigation and they didnt check the cameras but told me that they will not be reimbursing the money to me. I attempted again to reopen the case to get my money back, but they told me its less likely for a different result. I then told the person on the phone that I did it in front of a camera and they told me that the investigation doesnt include looking into the actual camera, but I put {$110.00} into the ATM in Citibank and did not get the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off my credit report.