23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand english well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.
Product: Debt collection

I am a victim of identity theft. There is a XXXX collection on my experian report that does not belong to me. It was removed in 2022 but is appearing back on my credit. Ive proven time and time again that this XXXX  not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which XXXX states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - XXXX Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed XXXX money. 

Experian has not reviewed the verifiable information that XXXX had our money in hand. If there was an issue... XXXX should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX HOSPITAL has a negative impact on my credit for the amount of XXXX XXXX XXXX XXXX has a negative impact on my credit for the amount of {$150.00} ACCOUNT RESOLUTION C has a negative impact on my credit for the amount of {$110.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Consumer Complaint I have the following complaint with Bank of America : 1. On XX/XX/XXXX, I wired {$2000.00} to a Bank of America account of a vendor I have wired funds to before and subsequently.

2. Bank of America rejected the wire and returned it with the reason that the address was incorrect. 
3. Bank of America returned the funds and deducted {$45.00}. 
4. Bank of America subsequently accepted a wire to that account from my same sending account at XXXX with the same instructions. 
5. The sending instructions at XXXX are registered on my account and were not changed. 
6. I called Bank of America and they said charges on returned wires are not refundable even if their error. 

I think this is completely unfair and inappropriate. When a banking institution makes an error with a non-customer, they should return a fee they have taken. I suspect this situation occurs many thousands of times a year and is a source of significant loss to consumers. 

Details are below. 

I ask the XXXX to investigate this on my behalf, and ask Bank of America to return the {$45.00} fee to me and all similarly situated banking consumers. 

Kind Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire Data Bank account data showing sent wire and wire received less {$45.00}. 

XX/XX/XXXX Incoming Wire Transfer WIRE FROM BANK OF AMERICA {$1900.00} XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to Seart - {$2000.00} Bank account data showing subsequent wire sent to same address and accepted. 

XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX - {$6600.00} - {$6600.00} Wire instructions to vendor from my XXXX account BANK OF AMERICA N.A. 
US Send to this Account Account Currency US Dollar ( USD ) Account Number XXXX Routing ( ABA ) Number XXXX Wire instructions from vendor Bank of America XXXX : XXXX XXXX XXXX XXXX Account : XXXX Routing number : XXXX ( for wire transfer )
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage/XXXX  XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that Shellpoint was not reporting my mortgage payments to the credit bureaus. In 2017 Shellpoint reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, Shellpoint removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to Shellpoint. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that SHELLPOINT MORTGAGE/XXXX XXXX   WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that Shellpoint did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could Shellpoint not have knowledge that my mortgage was not a part of the Chapter XXXX??
Product: Checking or savings account

XXXX my accounts were closed. The company provided me with an email stating that my account has been closed, checking savings accounts, and that all money and the account will not be reimbursed.
Product: Debt collection

Date Of Debt XX/XX/2021 Pro collect Amount XXXX I Dont Know Of This Company This Company Is Attempting To Collect A Debt Thats Not Mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Collection Agency XXXX XXXX  account # XXXX, has violated my rights. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, Equifax XXXX XXXX consumer report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! 

A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! 

XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. 

PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 usc 1681a 2 Ai and this constitutes to inaccurate reporting. 

Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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.

DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent a Zelle for {$2000.00} at the time zelle did not have the disclosure of are you sure your sending to the right person. I contacted zelle and reported a fraud claim and zelle informed me I could not get my funds back, the payment went to a XXXX XXXX I also filed a police report with XXXX XXXX Police department. 

Zelle has also kept 2 payments one coming in to me from XXXX XXXX. Zelle since XX/XX/XXXX will not release the money. 

I sent someone a {$40.00} Zelle refund the recipient said they did not receive Zelle, once again Zelle could not help me in this matter.
Product: Student loan

My loan was transferred from XXXX to MOHELA, and I was notified on XX/XX/. However, I was never notified that the transfer had been completed until XX/XX/. At that time, I was made aware that I had a payment due on XX/XX/. My previous loan servicer had deferred my payments until XXXX due to processing my Income-Driven Repayment Plan application, which was submitted on XXXX. MOHELA did not acknowledge this application, said that my loan types were listed incorrectly, and that I would need to go through an application to correct the loan types and make me eligible to re-apply for Income-Driven Repayment Plan ( which is still pending per the federal website ). While trying to go through this application on XX/XX/, the representative I was speaking with somehow ended the call, and I have tried getting through since to no avail. I am now in a spot where MOHELA is requesting a payment with only 1 day notice despite prior deferment, incorrect loan information, and the inability to get in contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Checking or savings account

I cashed my mother inlaw ssdi check thru the mobile check cashing. The check got cashed but XXXX  will not release the money ive contacted the numerous times. And all they tell is i have to wait. I did a claim with santander. I called alot of times, I went into the branch XXXX  times. i was told it will take XXXX business days and i should receive the money then my account got closed and they let withdraw my money i had in there after XXXX weeks a of contacting them.but the funds from the check they will not release. I deposited the check on XX/XX/year>. Now they are telling me that they are waiting for the treasury dept to take back the check. My mother inlaw contacted the XXXX  XXXX  and they told her they have not received anything from santander and now that the check has been in the account so long i need to deal with the bank. I dont know what to do. She really needs the money. It was for the amount of XXXX
Product: Checking or savings account

Huntington  bank closed two accounts of mine without warning. Money being deposited into the account was not refunded in a timely manner.     When my account was closed by the bank, I was not able to receive any information as to why after repeated calls to customer service.     Accounts were closed  X/XX/17.       XXXX  is not being returned to me from my business account in a timely manor. Due to these delays I am not going to be able to pay off my credit cards prior to the due date and will be assessed fees. I have a   XXXX   XXXX   due date on  3  of my credit cards. The funds were removed from my account on   XXXX   XXXX  . The bank refused to wire me the funds to a different account.      XXXX  is not being retuned to me in a timely manner from my personal account.
Product: Debt collection

They are trying to collect a debt of {$2800.00} that was put on a chapter XXXX bankruptcy in 2016. Im a widow on XXXX. This was on that bankruptcy, Im being harrassed nonstop.
Product: Student loan

I have waited on hold to speak to representatives for more than 2 hours every time I call in. Today, my call was disconnected after 2 hours and no one ever answered. To date, not a single representative has been reached via the phone system and no one has responded to my emails. The debt has not been validated. No one will provide updates on my application or explain how my monthly payment potentially doubled from the pre-pandemic payment amount. No one has verified what the monthly payment will now be. My wife was forced to use forbearance on her student loans as a result of this negligence ; I will not be using forbearance due to a new servicers failure to communicate or follow applicable loan servicer laws.
Product: Credit reporting or other personal consumer reports

Creditor is reporting inaccurate information to credit bureau. I have already reached out to the creditor and reported fraud and gave police report also.
Product: Debt collection

On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.
Product: Checking or savings account

I have been trying to resolve an issue regarding the closure of my Citibank account for over a month now, and I have yet to receive clear communication or the funds I am owed. 

On XX/XX/year>, I spoke with a Citibank customer service representative over the phone. They informed me that my account had some restrictions placed on it by my local branch, and that I would need to visit the branch in person to address the issue. I specifically asked if my account was still open, and they confirmed that it was, although there were holds in place due to the branch. 

The following day, on XX/XX/year>, I visited the branch in person with my mother, who is also a Citibank customer. I asked if I could transfer the funds from my account into hers, since we both bank with Citibank. However, the branch staff then got on the phone with Citibank customer service and told me that my account had already been closed, and that I would receive a check by mail in XXXX business days with the remaining balance. 

This was extremely confusing, as I had just been told the previous day that my account was still open, and now it was suddenly closed overnight. It felt like too much of a coincidence, and no one has explained what actually happened. 

Since then, it has been over a month, and I have not received the check, no confirmation of the account closure, and no written communication or email about what happened or when my funds will arrive. Ive made multiple attempts to follow up, but keep getting redirected without answers. 

I am requesting : XXXX confirmation that my account was closed The date the check was issued ( if it was ) XXXX that my check will be sent and received without further delay I need this resolved as soon as possible. If it is not addressed promptly, I will consider taking legal action.
Product: Student loan

My current balance as ofXX/XX/XXXX is {$57000.00}. On XX/XX/XXXX, I received a letter from XXXX for my XX/XX/XXXX application that is still processing discharge. XXXX discharged {$26000.00} of my Federal Loans. However, all of these loans were consolidated back in XX/XX/XXXXwith XXXX, now MOHELA. In the attached letter it states : " Consolidation - If any of the loans associated with your approvedXX/XX/XXXX application were previously consolidated into a XX/XX/XXXX the servicer of that loan has reduced or will reduce your consolidation loan balance by the discharge amount. '' My loan with MOHELA has not been reduced by the amount in the letter. This needs to be corrected so I can have a correct balance when entering repayment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days. 

Accounts to Be Removed : XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Exqfaix creditreportingagency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.
Product: Credit card

Equifax Data XXXX work. Gets declined by every merchant I use. Tried loading the balance to my XXXX XXXX  and is also declinded. This is supposed to be a refund for them losing my personal information and it is very frustating as this seems nothing but a scam.
Product: Credit card or prepaid card

Bank of america closed my account for whatever reason and they didnt send a letter informing that they was closing the account for whatever reason. i never misssed a payment i want my account reopened
Product: Debt collection

XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with affirm through the application. 3 loans ( XXXX XXXX XXXX XXXXXXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX  and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One affirm rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the affirm app to make a purchase was XX/XX/2022. 
XXXX  XX/XX/2022 {$93.00} XXXX  XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}
Product: Checking or savings account

Wells Fargo repeatedly causing {$35.00} overdraft fees
Product: Credit card or prepaid card

On XX/XX/XXXX I retained a family court attorney XXXX XXXX to review some perfunctory mediation documents pursuant to completing my divorce. In an effort to retain her I used my Capital One credit card to secure her services. On or about XX/XX/XXXX I received a billing statement from XXXX XXXX in the amount of {$350.00} which I sumitted to Capital One. Susequent to my submission I received a statement from Capital One which showed a charge of {$1500.00} which I didn't have knowledge of nor did I authorize. I later learned that my attorney had used my card to access funds to pay her fees without telling me in despite the fact that I sent her an email telling her that I processed the charge that was on my card and would rather not use my card for any future charges. 

I made a call to Capital One and informed them of all of this and entered into a resolution dispute process in which I learned for the first time that XXXX XXXX had essentially used XXXX to finance her services by apparently charging my card for {$1500.00}. Capital One has not been transparent about their actions with me and I have exhausted every avenue open to remedy what has occurred. This weekend adding insult to injury, Capital One essentially threatened me with additional interest on this alleged transaction. They insisted that I needed to pay them money by XX/XX/XXXX or I would have to pay further interest on the initial charges from this transaction. XXXX XXXX provided me with a screen shot of XXXX notifying her that they had received {$1100.00} from Capital one, which is the balance of what they claim I owe them. Sadly they did this while taking the {$250.00} I remitted to them at their request to avoid being charged additional interest.