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

On XX/XX/XXXX date, I opened a Citi Regular Checking account because Citi Bank offers {$450.00} welcome bonus for new customers. My husband set up direct deposit to fulfill the requirements to receive the welcome bonus. However, after several rounds of direct deposit, Citi Bank blocked my account with no reason claimed and informed me to wait for 60 days to receive the final results with one mail letter. Until today ( XX/XX/XXXX ), they never contacted me through any means. 

I contacted them and went to the branches for a lot times, but nothing made change. Today, I called again and was informed that my account was determined and no check will be sent out as the account balance is XXXX! This is 100 % lie! 

I have spent a ton of time and effort to solve this problem, but they still trying to fraud me with my money! This is not a thing that a bank fraud department should do!

Now, all of my money was withhold by Citi Bank and the {$450.00} bonus was neither received. This issue severly impacted me and my family during these 3 months.

Thus, here I seriously request : 1. Citi Bank reopens my Citi Regular Checking account or provides reason and evidence that I violated the client manual.

2. Citi Bank returns all my money immediately.

3. Citi Bank pays the {$450.00} welcome bonus, since I have fulfilled the requirements to receive the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fidelity service opened on XX/XX/2022 amount XXXX filed federal trade commission report Company has not resolved this matter. 

XXXX opened XX/XX/2022 amount XXXX filed federal trade commission report company has not resolved issue.
Product: Credit reporting or other personal consumer reports

I have a collection from XXXX that's on my credit. However it should be removed. The debt has satisfied but it's still reporting in my credit.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Charge-Off XXXX XXXX XXXX XXXX ( Account # XXXX ) I am filing a complaint regarding an incorrect charge-off entry for my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ), which shows a balance of {$8600.00} and is marked as charged off. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. If this charge-off is inaccurate or unverifiable, it must be removed from my credit report. I request verification that XXXX XXXX properly reported this account under the CARES Act as current during the COVID-19 hardship period.

CARES Act Compliance : This account was impacted by the COVID-19 pandemic, and under the CARES Act, creditors must report accounts as current for consumers facing financial hardship. I demand proof that XXXX XXXX adhered to these requirements. 

Florida Consumer Protection Laws : As a Florida resident, I am protected under Florida Statutes ( XXXX XXXX. XXXX, XXXX XXXX. XXXX ) from inaccurate and fraudulent credit reporting. This charge-off should be removed if inaccurate or unverifiable. 

Resolution : I request the immediate removal of this charge-off entry from my credit report. If Equifax and XXXX XXXX can not substantiate this charge-off, I demand that it be deleted immediately. If not resolved within 15 days, I will pursue further action through the FTC, CFPB, and the Florida Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

Experian closed its 11th complaint today without addressing a single issue but giving the must idiotic explanations because there are several BUT EXPERIAN STOLE NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX  AND REFUSE TO GIVE THEM BACK that problem thee won't address even though I submitted evidence to prove otherwise
Product: Mortgage

We closed a refinance on a commercial property XXXX 2015. In XXXX, we paid the first monthly payment to XXXX XXXX, as instructed on closing documents and the mortgage statement we subsequently received in the mail. The check cleared our bank account on XXXX XXXX, 2015, which is when the payment was due. XXXX XXXX sold the loan to Midland Loan Services on or about XXXX XXXX. As of today, XXXX XXXX, 2015, XXXX XXXX has not notified Midland that this payment was received, and Midland wants to charge fraudulent late fees in the amount of {$3000.00} for a payment that was made on time.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information which is damaging consumer report. The account listed XXXX XXXX Account # : XXXX XXXX XXXX is listed multiple times with several inaccuracies. 

XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Vehicle loan or lease

My husband purchased a XXXX XXXX XXXX XXXX XXXX and financed it through BMW Financial. 

The vehicle was paid off in XX/XX/XXXX. We never received the title or lien release letter. 

My husband passed away XX/XX/XXXX. When I went to change the title and license it, the court house told me it still shows a lien on the vehicle. 

I called BMWXX/XX/XXXX and sent the will and death certificate attn : XX/XX/XXXX to customerdocuments@bmwfs.com. XXXX promised to call me back. NOTHING On XX/XX/XXXX I sent another email, and all I got was a response I could not use that email for correspondence. 
XX/XX/XXXX I called again, and was told that because the will wasn't stamped, XXXX couldn't call me back. She meant through probate court. 
XX/XX/XXXX I spoke to XXXX and explained to him that when I got in touch with XXXX County Probate Court Cordinator, she refused to put me on the docket for a lien release letter. There is nothing about my husband 's estate that warrants probate. This is the ONLY issue we have. XXXX asked me to send him the email from probate and he would call me by the end of the day. NO CALL. 
XX/XX/XXXX I spoke to XXXX, who told me that the way I fwd the email was not acceptable and that is why XXXX could not call me back. I then printed the email and attached it and sent it attn. to XXXX and XXXX. Again, no call back from either one of them. 
Today,XX/XX/XXXX, I have spoke to XXXX who stated that XXXX told him that this is at a supervisor 's desk, XXXX, and when she gets through reviewing it, they will get back to me. 
I asked to speak to another supervisor, and was told no, because it is in XXXX 's hands. NO ONE CAN HELP ME. I ONLY WANT THE LIEN RELEASE LETTER. I HAVE PROVIDED DOCUMENTATION THAT IS VALID TO RELEASE LIFE INSURANCE, 401 K FUNDS, BUT BMW IS REFUSING TO GIVE ME A LETTER WE SHOULD HAVE HAD OVER A YEAR AGO. 

I need to license the vehicle so I can drive it. I need it to work. 

I hope you can help me, I can not afford an attorney for this. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

As for my complaint about Money Network bank not giving my {$1400.00}. & $ {$600.00}. Stimulus checks. You have sent me a response that this is closed. When it is far from being closed. Theyre response was inappropriate once agrian trying to place the blame on me & not doing theyre sue deligence in seeing that it was not me who activated and used my cards. They sent another number responsible for doing that. And as a side note added my number as though it was I who activated and used my card when in plain daylight it was the other number. Guilty of perpetrating this crime upon me. I do not know who that other number is but I can assure that that is the perpetrator that commuted this crime. So how could my complaint on that bank possibly be closed????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Mortgage

To whom it may concern : I have been trying to save my home and to get approved for loan modification since XX/XX/XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification. After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. 

While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and stated that they will not even look at a modification application on multiple occasions. 

Their attorney only extends the sale for 30 days each time which causes Mr. Cooper to continually deny accepting my packages saying they do not have enough time to review the loan modification package. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
Product: Checking or savings account

I mobile deposited my husbands checks on my checking account and he signed it, they couldnt verify the checks so they froze my account and held the checks. They said in order to verify they would have to call my husband and verify from phone number but I changed carriers and nothing has happened I went to a branch with 3 forms of id with him and they said they could not do anything else which I dont understand HOW that happens if fraud can be Done that way as well I mean we went physically but they cant verify at the branch anymore but its around XXXX dollars and they said after XXXX yrs it will be sent to the state collections which I feel like thats illegal to do I just still dont understand how they cant verify physically i know there is machines where you can tell the ids are legit
Product: Credit reporting or other personal consumer reports

After studying during the XXXX lockdowns, Ive learned alot about laws, codes, statues, etc. 
here in the United States. These discoveries have caused me to exercise my rights to file this claim. 15 USC 6801 states that It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Aidvantage student loans is a financial institution by definition under that title. 
Also 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX, I C System ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Also The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( XXXX XXXX loan nor XXXX XXXX XXXX XXXX ) ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services..
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 accounts : XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-XXXX XXXX XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date XXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account XXXX Account number-XXXX  Account type-Auto Loan Responsibility-Individual Date XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXX. 

Account name-XXXX Account numberXXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX  Account NumberXXXX  Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX  XXXX
Product: Bank account or service

im a seller on ebay so I did sold a very expensive bag to a women in California at the beginning I have to open unpay case on her since she did not make the payment she she say was sick finally she pay and next day want to cancel the payment I did it later want to pay so she did throught paypal I send the bag so 2 day later she email saying she was on vacation and she came back the package was left with the neighbor and the package was damage and the bag was not there I told her to call the police she say no because police will not do any thing that she want we try to collect from the post office she was not concerned at all and I believe she did it with the neighbor now after 1 month she turn it to paypal and they took money from my account and refund her XXXX dollars from my account so now she have the bag and my money I use paypal to pay for muy post office shipping so they can clear see the I shipping the bag they have the trcking number and everything but still give the money to her im at total loss please help me this is not right I have all the proof the I shipping to her
Product: Credit card

Complaint Against Goldman Sachs Bank USA XXXX Apple Card Issuer ) Mishandled Transaction Dispute On XX/XX/year>, I was charged {$1900.00} by XXXX XXXX XXXX XXXX, a merchant that fraudulently misrepresented themselves as bonded and insured. The movers damaged my personal property and overcharged me for boxes I did not use, yet the company only offered a measly {$15.00} refund for the damages. 

I disputed the charge through Goldman Sachs, as XXXXXXXX XXXX misrepresentation and failure to provide services as promised constitutes fraud. Goldman Sachs denied my dispute without providing any details on how they reached their decision. I have repeatedly requested the evidence they used to determine that no fraud occurred, and Goldman Sachs has refused to provide it. 

I was initially told I would receive the evidence within 48 hours. When I followed up, I was then told it could take 7-10 business days. Now, their representatives claim there is no set timeline for providing this evidence. 

In addition, a supervisor named XXXX falsely accused me of making threats and abruptly ended the chat when I pressed for answers. This is unprofessional, dismissive, and completely unacceptable. 

Goldman Sachs is a Mastercard issuer and must comply with Mastercard 's dispute resolution policies, which require that they provide evidence used in chargeback decisions. Their failure to do so violates these policies and my consumer rights. 

I am requesting that the CFPB intervene to ensure : 1. Goldman Sachs immediately provides the evidence used to deny my dispute. 

2. My dispute is reopened and fairly investigated with full transparency.

3. Goldman Sachs is held accountable for failing to follow proper dispute resolution procedures.
Product: Student loan

Per XXXX, enacted in XXXX, is a federal law designed to safeguard the privacy of student education records. As per Section 20 USC 1232g ( b ), XXXX applies to any public or private elementary, secondary, or post-secondary school. It grants students the right to control the disclosure of their education records, ensuring that such information is not disclosed without their consent. I sent letter to Nelnet on XX/XX/XXXX to cease reporting my information to the all credit reporting agencies, including XXXX, XXXX, and XXXX effective immediately and indefinitely. I obtained my credit report on XX/XX/XXXX and it is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted unauthorized inquires they never gave the requested documentation to substantiate the verification they used.