23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

on XX/XX/year> someone walked into a citibank branch and asked to cash a check made out to me for XXXX XXXXXXXXit was obvious from looking at the check that the origanals persons name was removed and my name put in. they then signed my name ( not my signature ) and wrote my account mumber on the back and they cashed it..when i called citibank fraud dept.they first claimed that it was deposited and then cashed but there was no record of any deposit. Secondly when i asked asked them what branch it was was cashed, first they said they didn't know and then said they weren't sure.how is that possible.thirdly, a week later i got a letter from citibank that statedthat it wasdeposited on XX/XX/XXXX and then cashed by me the same day.all lies.the check was from some who had a checking acc.with XXXX and when i called XXXX they said that some had tried cashing that check but it was denyed.they apparently have a better system then citibank. i then filled an official complaint with citibank and they told me it could take 60 days. it is now XXXX the XXXX and have still not gotten any reply.please help me get my {$1800.00} back since it was entirely citibanks negligence
Product: Mortgage

I have a second mortgage with Citi financial, running behind for XXXX payments due so far, I tried to make a payment over the phone for one full payment and they said they will not take XXXX payment, the said the minimum amount will be a payment and half.
Product: Student loan

I took classes via a method I did n't understand in 2014. It was a vet difficult, online college program prepared by XXXX XXXX University. When classes were dropped, loans were not rebuked by financial aid and I think this is wrong. I am {$5000.00} in debt and I only passed XXXX classes -- I also only saw XXXX classes through. I do n't understand why I am not merely paying for those XXXX classes and the loans granted for them. What is the reason I have to pay for student loans for classes I did not complete? Loan is financed by Great Lakes. I had no understanding of loans and no family I could discuss them with but I believe that if I quick the class in time it is n't fair that I was still charged for loans that I never saw the light on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses
Product: Credit reporting or other personal consumer reports

I am writing to urgently address several serious inaccuracies, discrepancies, and unauthorized accounts appearing on my credit report.
Product: Vehicle loan or lease

Right before the pandimic hit the United States my car payment were being return from the loan place that I had a contract with " Gate Way Lending ''. After the second payment check was return I called and I was infromed that this company or department was no longer serviceing the loan and the new company would be intuched. So I never recived a welcome packet or letter from the new organization that assumed the loan. The pandimic hit and finally found out the after calling to find out whom I was suppose to pay. 


Santander Consumer USA so I send the remaining balance to this company. Know years latter I find them on my credit report, with negative reporting. Incredible. Need to be corrected.
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 unfeasable. The CFPB 's findings indicate that ZELLE has not only neglected to protect consumers but 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: Credit card or prepaid card

I had this card for years and used it for my company to buy parts, fuel ... I had 4 or 5 different cards with various employees names on them same account. I called the credit card company and requested 3 more cards for additional employees. Gave the CC Co. the names and DOB of  the employees they said good your cards will be shipped, and they were and I received them. A few days later the cards stopped working, I called the CC Co. to find out what was going on and they said your account was closed, I said why and they replied because I had added new users and they could not verify the new users. I said you already sent the cards shouldn't you verify the users before sending the cards? They said the account is closed I asked to reopen and they refused. Then after thinking about it i realized it is a rewards card so I called back to redeem my rewards and was told to open a claim and they would review it. So I did. I was talking with XXXX and my claim number is XXXX. I asked how many points I had and she told me XXXX points. I asked what does that equate to in cash she said {$1400.00}. After they reviewed my claim I got a letter stating they are unable to redeem my points. I have a credit rating somewhere around 830 and there was no reason to close my account.
Product: Mortgage

XXXX XXXX XXXX, IM FORWARDING A SECOND ATTACHMENT TO THE PREVIOUSLY COMPLAINT ABOUT CARRINGTON MORTGAGE SERVICES , LLC ' AS I REVIEW MY INSURANCE PAYMENT TO XXXX XXXX, I FOUND THAT XXXX  GENERATE ME A CHECK FOR {$890.00}, BEFORE CARRINGTON MORT.TOOK OVER MY MORTGAGE, AND LIKE ALL WAY I THOUGHT THAT {$890.00} WAS FOR ME, BUT I FIND LATER THAT WAS MY ESCROW ACCOUNT THAT WAS FOR MY ESCROW THAT WAS FOR XXXX  XXXX XXXX AND THEN GIVING TO THE NEW OWNER OF MY MORTGAGE CARRINGTON MORTGAE SERVICES, LLC, THEIR WAS NOTHING NEFARIOUS ABOUT WHAT HAPPEN TO THAT {$890.00} CHECK, WHEN THE CHECK WAS SENT TO ME IT HAD NO STRINGS ATTACH. I WANT TO KNOW IF XXXX  XXXX XXXX SAY I DO NOT OLD THEM MONEY, AND XXXX XXXX DO NOT SAT I OLD THEM MONEY, WERE DID CARRINGTON MORTGAGE GET THIS {$2500.00} AND I OLD ONLY {$890.00} WERE DID THEY GET THIS FOOTBALL NUMBER FROM. COMPLALAINT ID XXXX THANK WHOMEVER.
Product: Checking or savings account

This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 24 hours.
Product: Debt collection

I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 10 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 10 years. I have made several times over the 10 years but I constantly updated my address with the us postal service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. 
The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX CA. which is one of highest cost living areas in the united states if not the highest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have information verified on my credit report by Midland Funding LLC, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Calif XXXX, I sent a certified return receipt letter to this company to the address listed on my credit report only to have it listed as " return to sender '' not deliverable as addressed and unable to forward. I believe this company has had so many inquiries asking to verify credit report information that they are trying to confuse the general public or frustrate it. 
The Fair Credit Reporting Act states that all information on a credit report has to be 100 % accurate including corresponding information about the creditor. I am not able to verify information on my credit report and that is a violation of federal Law. 
My initial inquiry was to have them provide verifiable information to me showing a signed contract between myself and Midland Funding LLC. proving that I owe them {$670.00} I am asking that any and all information on my credit reports from Midland Funding LLC be removed from my reports immediately. My certified return receipt letter was mailed XX/XX/2019 and returned on XX/XX/2019.
Product: Debt collection

I held a Chase credit card. I was unable to continue to make payments, due to going on XXXX ( SSDI ). I was " offered '' a reduction in the debt payoff amount. I agreed to the arrangement, which was to consist of 6 payments directly/electronically taken on the XXXX of each month, from my Chase checking account. Two of those payments were debited, the last is shown here : XX/XX/2020 CHASE CREDIT CRD EPAY ONUS XXXX TEL ID : XXXX ACH debit {$130.00} {$1300.00} I have suffered another health setback. When I called Chase Customer Service and asked if I could terminate the electronic debit, they said I could not. I asked if I could terminate the electronic debit I have for my phone service - that they were willing to do. This did not seem right to me. I asked if I could negotiate a lower amount per month, over a longer period of time, Customer Service transferred me Credit Card services, and they transferred me to Chase Recovery Services. Chase Recovery Services answered, I asked to terminate the payment arrangement. My call was disconnected. I went through the same process again, two times on Thursday, XX/XX/XXXX, with exactly the same results. If Chase Customer Service could terminate any other electronic debits I was having made, then they should have been able to terminate this one. They have refused.
Product: Debt collection

I was a resident at XXXX XXXX XXXX XXXX in XXXX Michigan ( owned by XXXX XXXX, at the time ). We moved out at the end of XX/XX/XXXX with all bills paid up, including the return of our deposit minus the final utilities ( water, sewer, trash ). 

In XX/XX/XXXX, they added a charge for {$760.00} and reversed the charge the same day. They are saying that I owe the {$760.00}, even though their own records indicate I have a {$0.00} balance. 

We never received a bill from XXXX XXXX XXXX XXXX, nor XXXX XXXX. Starting in XX/XX/XXXX, my wife and I both started receiving calls from a debt collection and eventually a law firm attempting to collect the {$760.00}. Each time I was contacted, I told them that we had a good relationship with XXXX XXXX XXXX XXXX  and if we owed them money, we wanted to make it right. It took from XXXX until XX/XX/XXXX before the finally sent documentation showing what we owed and that our balance was {$0.00}. 

I sent this information to XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX  XXXX XXXX XXXX. I could not contact XXXX XXXX by telephone. I sent them a packet with all of the information asking them to intercede ( I have not heard back from them ). I was able to contact National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX. National Credit Systems refused to do anything, even though they were the ones who published derogatory information in both of our credit reports, because the case was in the hands of the law office. Even though I sent the information back to the law offices ( the information they provided to me ), they refused to take any action to correct this whole situation. 

I also filed disputes with 2 of the 3 credit bureaus who simply checked with National Credit Systems, who said it was a valid debt even though I had provided them the paperwork showing it was not a valid debt. 

To this date, our credit ratings still have the false information and none of the three ( XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX  ) have sent me any information acknowledging the mistake, nor have they been willing to discuss the matter when they called me or I called them. I even had one person tell me I should pay the amount requested without any documentation proving I owed anything.
Product: Debt collection

I recently submitted a cease desist to D & A Services. Stating in my demands that I am refusing to pay the alleged debt and to stop communicating with me through all mediums. D & A services are still contacting me without the prior consent per federal law states 15 USC 1692c ( a ). D & A services are damaging my reputation. D & A sent me false and deceptive forms. In that deceptive form they used obscane and profane language. They are coercing me to pay this alleged debt that I stated in my documentation that I am refusing to pay. In that file I also stated to cease communication with me and to answer questions and return it back to me. This company is operating under a different name pursuant to 15 USC 1692e ( 14 ). They sent me a false and deceptive form stating that Bureaus investment group XXXX XXXX XXXX is the current creditor so who is D & A Services? This is identity theft the original creditor never stated in the contract that they were doing business with D & A Services. Now this debt collector have my private information and my location abode without my permission. I recently was in the hospital XXXX XXXXXXXX XXXX due to these creditors selling my private information without my consent. I am out of work due to my XXXX XXXX. I can't even apply to jobs because this information comes in a public data. D & A services are civilly liable for willful non compliance with the federal law pursuant to 15 USC 1692k and 15 USC 1611. Please see attachment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I received an alert that I had a hard inquiry on my XXXX credit bureau on XX/XX/year>. I checked my report and it was listed as a hard inquiry from Montgomery Ward, who I have never done business with let alone request credit. I disputed with XXXX and they say the inquiry was valid. I reported as a victim of fraud on XX/XX/year> and again was told it was legitimate. I reached out to Montgomery Ward and was told they have no record of any account in my name. No one is willing to help me resolve this inquiry that is impacting my credit. 
I have frozen all 3 bureaus to hopefully minimumize my exposure.
Product: Debt collection

I was sued by the attorneys office representing a Debt collector. I provided an answer to the suit both to the court and the attorneys office. I have proof for both answers. Then I was send requests to provide documentation which proves that they received my answer to the suit. Later I received a letter from them telling me that they will be applying for a default judgement from the court based on my not providing an answer on time. Once again, I have proof that I did answer and that it was on time. I called the attorneys office to discuss and they said they will not talk to me based on my last conversation with them and that they needed to talk to the owner of the debt, as I was indicating that this claim is in dispute. This is rather crazy as my answer to the suit was that I am in total dispute over this debt due to the scamming operation of the merchant I was conducting business with in the first place.
Product: Credit reporting or other personal consumer reports

I am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companiesI am disputing the following hard inquiries as I did not authorize these credit checks. I have no record of applying for credit with these companies on these dates. on these dates. 

XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX dispute the accuracy of the information listed above and request that it be removed from my credit report immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report, which I request be sent to me within XXXX days of receiving this letter.I look forward to your prompt attention to this matter. Please investigate my dispute thoroughly and provide me with written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

repeatedly called me, my wife, my daughter about a debt i had problem paying. Threatened to come to my office, sue me, contact my HR office, and shouted and belittled me. 
Portfolio Associates of VA is a corrupt organization. 
I have contacted the company that I had purchase the items with and started repaying directly to them. 
But nothing stops Portfolio
Product: Mortgage

Over a month ago, I exited the COVID-19 forbearances for my loan into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.
Product: Debt collection

Switched carriers kept phone number was advised months later by mail I owed XXXX money. I advised I was bought out of contract and kept my phone number. In then started getting calls from 3rd parties saying I owe XXXX money and they are collecting on their behalf. Ive asked multiple times not to contact me i even have a new number and they have this number now. I feel harassed and its very hard to understand some of the callers dialect and accent at times.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

I received an email XX/XX/XXXX from Discover offering {$45.00} back when I activated a new membership using my Discover Card before XX/XX/XXXX. XXXX. 

I activated the membership on XXXX XXXX, XXXX in store using my Discover Card as directed in the email cited above. I told the XXXX XXXX associate I was using my card for the promotion and they said that should be everything I need to do. 

On XXXX XXXX, XXXX, I reached out to Discover to inquire about when I could expect reimbursement ( as it didnt show up on the statement Posted the prior week ). I told them the steps I took and was told that nothing else was required and I should receive the credit within 3 billing cycles. 

Today, XX/XX/XXXX, I reached out to Discover to ask about the credit and why I hadnt received it. I was told that I am not eligible for reimbursement for some unknown reason that XXXX XXXX and Discover Card can not communicate openly about and that I need to go to XXXX XXXX and find out why I am ineligible for Discover Cards promised reimbursement. 

They said they do not manually apply reimbursements and that if it didnt happen automatically, something was wrong and I would not receive it. 

They promised to share my feedback with the higher ups, but refused to do anything to fix the problem.
Product: Credit card

Case # XXXX do not have a CapitalOne card but supposedly, i was a victim of Identify Fraud and CapitalOne is harassing me about owing purchases I did not approve or was aware of. 

history : on approximately XXXX XX/XX/2015, a CapitalOne Fraud rep left a message saying me asking if I recently applied for a credit card. when i went online to get their fraud department, they said i was not responsible and not to worry. 

Then on XXXX XXXX, 2015, a CapitalOne fraud rep named XXXX XXXX ( XXXX ext. XXXX ) started asking me aggressively with more personal questions, which i felt awkward giving out, I told her i would call back. When i called their main fraud line at XXXX, they said my case was closed and that XXXX XXXX probably did n't have the right information and not to worry that everything was closed. XXXX XXXX XXXX then called me back and said I needed to answer all these personal questions and i told her i just got off the phone with her team and was assured everything was closed so she replied, " fine, you will be responsible for all charges now '' then hung up. 

In my mailbox, i was sent a letter from CapitalOne Fraud via XXXX XXXX XXXX stating that they completed their investigation and have found that I am responsible and I owe {$3500.00}. I was tempted to call her back but called their XXXX main Fraud line and again, their rep said I am not responsible? It seems like CapitalOne has so many layers within their organization, let alone their own Fraud department, that I keep having to talk to multiple people who either ( a ) says I am responsible, which i am not or ( b ) who says to ignore their own department and that I am not responsible. Now I am getting the run around and not sure what to do here. 

Please have someone who can tell XXXX XXXX to close my " made up account '' - that I did not open and stop harassing me. in fact, i would think CapitalOne would train their Fraud department not to harass the people that are victims. You guys should have my number based on the case # i provided.