23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citi Financial Mortgage - Illegal withdraw of money and failure to return money in a timely mannerI refinanced my loan with Citi Mortgage. I had my previous loan with Citi as well. The refinance closed XXXX following a 4 month process that required me to involve various managers regarding a failure of mortgage service to process my loan. My problems are listed below:1. Single Point of Contact - this was not followed. I was given the numbers of XXXX mortgage agents that I dealt with. Neither returned my call in a timely manner. 

2. Fraudulent Withdraw of Funds - Following the close of my refinance 7 days later, Citi withdrew the previous mortgage amount of {$2000.00}. Upon calling Citi about this erroneous withdraw, I was given the runaround. See below as to what follows:XXXX - I was told they could not refund my money for 21 days. I told them they withdrew money for a paid off loan. Citi said they would look into refunding my money faster and to call back Monday. 
XXXX - I called back and Citi went through the same process. I spoke with a manager who would not give me a direct number to contact them. They said they would look into it and get my money back ASAP. They were to return call me back that afternoon with details. 
XXXX - After not receiving a call, I called again to check and received the same story : they would look into my problem. I said this was unacceptable and stated repeatedly that they had taken my money for a loan that was paid off. After finally ( 45 minutes ) making it to a manager, she looked into my loan and said they applied the money they withdrew to my new loan. I told them this was unacceptable as the money was mine and my new payment did not start until XXXX. They then told me they would redress the situation and overnight my check back to me. 
XXXX - I called to check on the status of the supposed overnight check and was told that they were cut and mailed XXXX - After not receiving my repayment, I called again to request a tracking number. I was then told that the check was not sent overnight. Rather, it was mailed and that I could expect it within 10 days. 

This is the problem : They withdrew money from my back account and have refused to refund it in a timely manner. I have received several 'answers ' and 'solutions ' to my problem but have not received a resolution. I have spent literally hours of my valuable time on the phone in order to redress this error on their part. They have committed a crime and they have not worked in an efficient manner to redress the issue. {$2000.00} of my money that was taken is now tied up in a bureaucracy that refuses to address the problem in a timely manner. 

From the failure at the SPOC to the illegal withdraw of money to my account, to the almost comical way they have attempted to return my money, Citi has taken advantage of me. Their fraudulent action must be addressed on an individual and institutional level or this will continue happen to many others.
Product: Student loan

I requested that all payments be refunded that were made after XX/XX/XXXX, as per the Covid 19 law. However, I asked Mohella to process it in late XXXX of XXXX, and there were no changes. Therefore, I am unsure that the request has even been submitted to XXXX by Mohella. My loans originally came from XXXX XXXX servicing. In writing, XXXX said my requests would be passed along to Mohella. This was in XX/XX/XXXX. This was not true, according to Mohella. I attached a screenshot of the email correspondence.
Product: Student loan

I paid my federal student loan off in full on XX/XX/XXXX with a payment of {$26000.00} to Nelnet. I watched my account each day to wait for it to clear. Apparently interest was still accumulating during the bank processing fee. On XX/XX/XXXX the charge had posted to my bank account but not my Nelnet account, so it looked like I had paid nothing, yet I was still accumulating interest! After I called them the interest went down from about {$20.00} to {$9.00}. They are charging me {$9.00} for interest on my loan I paid in full after the XX/XX/XXXX date. I took to XXXX and social media being very angered, because this is one shady practice, it 's unethical and it 's deliberate. If I submitted to pay my loan off on XX/XX/XXXX I should not being paying for interest on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I understand why they are doing it, you XXXX XXXX XXXX kids over for an extra $ XXXX- {$10.00} you can make a lot of extra money. But it 's unethical and wrong. It 's not about the money, it 's a matter of principle. Essentially I paid the XXXX loan off and they came back five days later asking for XXXX bucks, down to {$9.00} for the interest during bank processing time AFTER I paid the loan. Let 's see what your agency does, or if your are in with the corruption and greed. Believe me I will make the results of this known.
Product: Consumer Loan

Regarding account number XXXX My identity was stolen and was acquired, and or purchased by CASTLE CREDIT CO HOLDINGS LLC D/B/A CASTLE CREDIT. 
who is now sending me dunning letters and posing as a creditor demanding payment on an alleged debt.
Product: Student loan

Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!
Product: Credit card or prepaid card

Capital One uses a system that doesn't analyze your credit score, on time payments, history, or anything else associated with a good credit report to raise your credit limit. There system is very specific and was tested vigorously. I/People don't just use increases to spend more. Some of us use it as tools to improve dependability and scores. Capital One has denied since XXXX every attempt to raise limit. Never had a negative payment, thousands in bank accounts there and some of there most prestigious cards with childish limits. There system waits for you to use all available credit and then just throws you thousands more. The system is essentially a ploy to keep the less fortunate behind and to not give those finances to those who are financially savvy and responsible. To use an exact example, in XX/XX/XXXX I opened 2 cards. One Capital One and one XXXX XXXX, they both started at XXXX. On this day the XXXX card has XXXX available and the Capital One is still at XXXX. I opened a store card a year later that started with XXXX, in 6 months its over XXXX available. One of my highest limits is XXXX. This is a known issue online and I will definitely be canceling accounts and shelving cards until forced closure. I had much more in my bank account then in available credit across 2 cards with Capital One, meaning they're making money off my money and can't even give an amount close to what's in the account.
Product: Checking or savings account

To Whom it May Concern, On XX/XX/2023 I was charged {$80.00} by XXXX printing for copies I made at the public library ending in less than 20 sheets of paper. Today the debits are missing from my account and the money is still gone.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Additionally, This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).
Product: Debt collection

On XX/XX/2021 Cooling and Winter place a claim with the Magistrate Court of XXXX XXXX for a debt that I have no knowledge of. They claim that I am breach of a written agreement. I never receive the initial demand letter giving me the ability to dispute te debt and request validation. I have not been present with a copy of the signed agreement. Per my right under the FDCP I am requesting a validation of debt. I requesting validation of debt by providing a copy of the signed agreement. If unable to provide the copy of the signed agreement within the alloted time provide under the FDCPA, the debt must be consider invalid.
Product: Debt collection

I have received multiple letters in the mail over the last several years for a debt that was discharged in bankruptcy in XXXX. I believe I received a letter in XXXX, XXXX, and again, today. After each letter, I called the collection agency to advise the debt was discharged in bankruptcy, and even offered to provide a copy of the signed entry of bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/21 and XX/XX//21 I wrote into each bureau identifying inaccurate and misleading information appearing on my report. As stated previously after recent pulling my report I discovered items that I didnt recognize causing me to dig deeper. I discovered I was apart of the Equifax XXXX breach and now more than ever I feel my information XXXX have fallen into the wrong hands. It has been well over 60 days and I have not received a response. In doing my research I also discovered it is illegal for you not to respond within 45 days moreover it is illegal to report inaccurate/misleading information per FDCPA. Please remove these inaccurate items until you can verify these items. I hope this will be resolved sooner than later.
Product: Money transfer, virtual currency, or money service

Gemini. XXXX Gemini XXXX failed to deliver a Wire transfer to my personal XXXX XXXX checking account, as requested by me and confirmed by them as sent. Money was never delivered. XXXX as promised. Have sent countless of request to remediate issue and to deposit as promised. Their only contact is XXXX I have sent more than XXXX emails to support since XX/XX/2024 with XXXX cutter respond and no resolution. No feedback. They seems to be auto generated responds. The first two responds have names of representatives : XXXX and another one : XXXX. Nothing else from them at all. XXXX XXXX indicated the wire should have come from the bank Gemini uses : XXXX 's XXXX. But XXXX XXXX  indicated to contact Gemini using XXXX. Is a dead end. No way to have Gemini solve or communicate solving the issue.
Product: Credit reporting or other personal consumer reports

They reported late payment in a fully paid account and that a violation, the account is USDA XXXX XXXX # XXXX
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX Pl XXXX, SC XXXX Subject : Debt Validation Request Pursuant to the FDCPA To Whom

It May Concern, I am formally requesting validation of the alleged debt referenced in your correspondence, pursuant to theFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Please provide the following information as required by law : The original creditors name, address, and account number. A copy of the original agreement bearing my signature.

A complete and itemized accounting of the alleged debt, including all fees, interest, and payments. 
Proof that your agency has the legal right to collect this debt, including a valid chain of title. 
Furthermore, I bring to your attentionXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), where the court ruled that failure to provide proper validation and continued collection attempts can be a violation of the FDCPA. If you fail to provide sufficient validation, any further collection effortsincluding reporting to credit bureauswill be considered a violation of federal law. 
Until I receive adequate verification, you must cease all collection activity, including phone calls and reporting this debt to credit bureaus, as required by the FDCPA. 
Please respond in writing within30 daysof receiving this letter. Failure to comply may result in a complaint filed with theConsumer Financial Protection Bureau ( CFPB ) and potential legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB, XX/XX/2023 To whom it may concern, On XX/XX/XXXX, I went on the XXXX XXXX website and noticed that my Transunion credit score had dropped XXXX points. Also, I've noticed that my XXXX scored dropped XXXX points. Therefore, I've contacted both Transunion and XXXX to no avail. They both told me that they were unable to disclose any information about my accounts with them. Both companies representative just gave me bureaucratic jargon. The only thing that was straightforward was the information posted on XXXX XXXX website which I have enclosed. 
Transunion website stated 1 change : XXXX XXXXXXXX XXXX account balance decreased between XX/XX/2023 and XX/XX/2023 credit card balance decreased by {$170.00} from {$240.00} to {$70.00}. Note : Credit card limit is {$1300.00}. Transunion stated nice work you using less than 10 presents. All payments made on time. 

XXXX XXXX changes were Balance increased, balance decreased, payments made on time and account information changed. 
XXXX increased : First Access/TBOM balance increased between XX/XX/2023 and XX/XX/XXXX by {$7.00} from {$9.00} to {$16.00}. XXXX stated great job you still using less than XXXX percent. 
Balance Decreased XXXX XXXX XXXX . Balance decreased by {$170.00} from {$240.00} to {$70.00} Payments made on time Account information changed : I've spoken to representative in regards to this matter. Note : XXXX XXXX is the credit card issued by the XXXX XXXX XXXX  ( XXXX ). Still, nevertheless, my scores should not drop XXXX Transunion points and XXXX XXXX points by bringing my utilization down from XXXX percent to under XXXX percent and making on time payments. I have {$2700.00} credit line with very low utilization ( less than XXXX percent ).
Product: Mortgage

Gmac Mortgage corporation has a lien recorded against the title to my home based on a home equity line of credit that was secured in XX/XX/XXXX. However the loan has been paid in full and satisfied as of XX/XX/XXXX. My county clerks office never received a " lien release letter '' from GMAC. As a result of the XX/XX/XXXX chapter XXXX XXXX bankruptcy filing, related assets of GMAC Mortgage , LLC were sold to Ocwen effective XXXX XXXX, XXXX. My account, # XXXX was acquired by Ocwen on that date. This was verified by Ocwen Account Analyst, consumer Ombudsman, XXXX XXXX XXXX # XXXX. As the successor of GMAC holdings, Ocwen should be able to confirm in their records that the GMAC mortgage # XXXX has been satisfied, and paid in full. Ocwen should also be able to confirm that they have no interest in maintaining a lien associated with GMAC Mortgage # XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. Regarding alleged account # XXXX, 15 U.S.C. , 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Debt collection

They contacted me and told me I owe a fraudulent debt from an identity theft case FTC report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige financial charged off my auto loan XX/XX/XXXX XXXX XXXXor the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in XXXX This horrible company is going against the loan contract and I think law as far as what they can continue to report
Product: Credit reporting, credit repair services, or other personal consumer reports

After a couple of failed attempts I'm now Demanding that these accounts be blocked from my credit report in accordance to the literature within the FCRA or I'll have to file suit and start litigation and name your company as a co conspirator of the creditor inwhom is reporting un documented and unverified accounts in my name per credit reports .I 'm requesting that these accounts be removed immediately if you can not provide me with physical documentation and the method of verification used in your companies process. What is the name of your investigator and/ or employee, at what time and date and day did this take place. Also inwhom did your companies representative speak with, fax, emailed, etc. What physical documentation was provided and when did you provide me with such documentation as relating to me and the contracts with the creditors. If this is not afforded to me then again I'm Demanding that the following accounts be blocked/ removed from my report immediately. Accounts ... ( # 1 ) XXXX XXXX XXXX, ( # 2 ) XXXX XXXX XXXX {$5600.00}, ( # 3 ) XXXX XXXX   {$2800.00}, ( # 4 ) XXXX XXXX XXXX XXXX {$1700.00}, ( # 5 ) XXXX XXXX XXXX {$0.00}, ( # 6 ) XXXX XXXX XXXX {$680.00}, ( # 7 ) XXXX XXXX   XXXX {$670.00}, ( # 8 ) XXXX {$630.00}, ( # 9 ) XXXX XXXX XXXX {$140.00}, ( # 10 ) XXXX {$72.00}, ( # 11 ) XXXX XXXX XXXX {$71.00}, ( # 12 ) XXXX XXXX {$960.00}, ( # 13 ) XXXX   XXXX {$680.00}, ( # 14 ) XXXX XXXX XXXX {$0.00}, ( # 15 ) XXXX XXXX XXXX {$0.00}, ( # 16 ) XXXX XXXX XXXX {$30.00}. 

It is my understanding that per the Fair Credit Reporting Act this request must be given attention and completed within 30 days of your receipt.