23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am very sorry, but the problem related to case  XXXX  has not even been remotely resolved.     Citigroup offered a $  XXXX  credit card to a person without an income, means to prove an income or the capacity to contract due to an  XXXX   XXXX   XXXX . This person is my wife and their they are flat out not stating what has transpired in their statement.     This is their statement.   " I sent a letter to  XXXX   XXXX  to advise him that we are unable to disclose any information about the account with a third party without a valid POA. I advised him to send us a certified copy of the document assignin g him POA for his wife in order to investigate this matter further. '' None of this is true.        1. They have never sent me a letter. Do they have proof of this? No, they do n't.
2. I spoke to them and they said they could not speak to me, so I asked them to simply send my wife a letter then, and she would talk to me about the contents of the letter.
3. They never sent me wife a letter, they never sent me a letter. We have had zero c  ommunication on this matter.     The issue here is th at Citi is a  predatory lender. They allowed someone with no income or means to have a $  XXXX  credit line with no verification of anything, such as an ability to repay this money.     Sorry, but this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX 2009, my wife and I declared Chapter XXXX bankruptcy. To my recollection, we did not include the mortgage in our filing, as we wished to remain in the residence. Since the filing, we have made regular monthly payments on the mortgage account in a timely manner, as agreed, amounting to some {$37000.00} dollars. 

Recently, while checking my credit rating, I discovered that in XXXX of this year, it dropped by some XXXX points, caused by the bank holding our mortgage reporting that the account had been closed due to the bankruptcy and showed a XXXX balance. 

Subsequently, I learned that the bank had created a duplicate account and is treating the new account as though the bankruptcy had never occured, including sending me a recenty notice that an update was needed on the insurance coverage for the condo.
Product: Mortgage

My wife has recently died very suddenly and unexpectedly. I am trying to get some mortgage relief from Citi, since my household income is now reduced by more than half, through the established loan modification programs mandated under law. The system they have in place is very clearly purposefully designed to make the process as hard as possible and prey on people who are in the absolute worst and most desperate situations. They send hundreds of letters in the mail just to confuse you and then tell you to ignore them. They require you to respond within days to complex document requests that they give you no explanation of, but they wo n't respond to your emails for weeks. They claim you can reach your support specialist on the phone but its LITERALLY impossible to do so. Once you submit documents they just keep requesting the same ones over and over. Then once they 've delayed you long enough, they claim that its a new month now so they need yet more documents. 
The process surely crosses the line from simple incompetence into purposeful fraudulent manipulation of the system and of their customers when they are in there most dire situations.
Product: Mortgage

The issue that I am having with Selene Fiance is unprofessional service and avoidance of reviewing my updated documents that were requested of me to send for a modification that would enable me to keep my home. I am working with a HUD approved agency and I have signed a completed package and dated with all information requested three times. The first XXXX was rejected and I filed an appeal with additional income included which was rejected for insufficient income and I complained to my counselor and Selene. My counselor spoke with Selene Finance and they acknowledged that it was an oversight on their part for not including the additional income. The application was resubmitted. Once this was done they did not reply for over 60 days and when called for status checks I was under review then I was told that the old letter that was sent to me for the previous submission was my outcome. The fact is ; they did not consider the XXXX application that I sent them. This has caused me to become further and further behind on my mortgage payments and my unpaid balance is rising so that it could become impossible for me to keep my home of 14+ years. I received the XXXX request XX/XX/XXXX to send several items again that were already sent. This is a repeat of the mortgage disaster that began XX/XX/XXXX where mortgage companies disrespected the home owner. I am appealing to the CFPB because this has got to stop, these institutions need to be held accountable and pay for their mistakes and not charge the consumer all the cost. I should have a FHA modification and if they have caused me to have more months then I qualify for they should be removed and any additional charges that I may receive. I am retired and on XXXX and my uncle lives with me permanently. I am writing to let others know that they are not alone with the mistreatment that we homeowners are experiencing from these servicers.
Product: Credit reporting or other personal consumer reports

TransUnion is falsely reporting inaccurate late payments on my XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ). This reporting doesnt make sense because the account status is marked as Paid as Agreed. This directly violates the requirement for maximum possible accuracy under XXXX XXXX XXXXXXXX XXXX XXXX XXXX and must be corrected immediately. Both XXXX and XXXX are reporting this account correctly, yet TransUnion stands alone in misrepresenting my payment history. This discrepancy raises serious concerns about how TransUnion verifies its data before damaging consumer credit files with false and unverified information. This account should not have any late paymentspayments were made on time. However, TransUnion has falsely reported late payments for different months, which do not align with the accurate records from the other credit bureaus. Why is TransUnion the only bureau making this mistake? By continuing to report incorrect late payments, TransUnion is actively harming my credit profile with misleading, inaccurate, and unverifiable information. Under XXXX XXXX XXXX, I am formally disputing these errors and demanding that TransUnion immediately remove all falsely reported late payments and correct my credit file.
Product: Credit card

I was sold a Privacy Assist product from Bank of America. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Bank of America had been fined for these practices and products. Per the CFPB website : " Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Bank of America ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Bank of America stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Bank of America to get them to stop. The agent that serviced my card was " unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Bank of America and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Bank of America, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same time?
Product: Checking or savings account

On XX/XX/year>, I initiated a wire from my XXXX at XXXX to another LLC at XXXX bank ( aka XXXX XXXX ). 

Later in the day XXXX, I initiated an ACH from my personal account at Ally to XXXX. 

Late on the XXXX, XXXX froze the account unilaterally and contacted my ex wife ( co-manager on the LLC ) with a number of document requests and questions regarding the transaction. All were answered. 

On or about XX/XX/XXXX, XXXX notified my co-manager that the XXXX was declined. I immediately contacted Ally to ascertain what happens in the event of an XXXX denial on the other end. I was informed that the funds would be back in the account, perfectly accessible, within normal ACH transfer timelines. 

XXXX XX/XX/XXXX I received an email noting that We want to let you know that we're unable to complete your transfer request. It's possible that there aren't enough funds in your account. As a security precaution, we've temporarily suspended your ability to request transfers on your Ally Bank, Checking ******xxxx account until the matter is resolved. 

I contacted Ally as soon as I saw it, was informed that transfers on the account were shut down, and that it'd be resolved in XXXX days. 

I contacted Ally again Sunday XX/XX/XXXX, and was again informed that it'd be XXXX days. 

I contacted Ally again XX/XX/XXXX, and was again informed that it'd be XXXX days. 

At no point has there been any satisfactory explanation as to : a ) why transfers on ALL the accounts, including my sons ' accounts for which I am XXXX, are shut down b ) why a third party account status has any effect on my personal bank account c ) why they are presuming some sort of legal action and therefore locking my funds from access d ) how they even expect to resolve this issue given the account freeze had to do with ANOTHER entity ( an LLC ) at ANOTHER BANK ( XXXX  ), and they have neither requested nor been given authorization to contact XXXX  with regard to that account or my LLC with that bank. 

After the returned XXXX is deposited, a total of approximately $ XXXX will be locked up, inaccessible, for reasons yet to be explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Loan by XXXX XXXX  is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. XXXX XXXX XXXX should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am deaf to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion for not responding to my dispute letter sent via USPS Certified Mail ( tracking # XXXX ) on XX/XX/year>. In this letter, I requested an investigation into inaccuracies on my credit report and corrections to incorrect personal information. According to USPS tracking, Transunion received the letter on XX/XX/year>. 
Despite the significance of these inaccuracies and their impact on my creditworthiness, I have not received any response or investigation results from Transunion. This lack of action is both concerning and frustrating, as it directly affects my ability to access credit and other financial services. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies investigate disputes and provide results within 30 days of receiving a dispute. Transunions failure to do so violates federal law. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Product: Debt collection

I sent a letter on XX/XX/21 to XXXX XXXX XXXX XXXX i sent it by certified mail and with a return receipt Certified mail receipt # XXXX Return receipt # XXXX By the way no one signed for it and I never received a response ever. The letter was of course disputing the debt ( Ive attached the letter as well ) I indicated when the vehicle was purchase and reloaded in Florida under laws of gl and ucc XXXX as well as state risa and mvisa statutes, a defincency can not be claimed unless all of the required notices were properly and timely given. Please review letter I demanded proof that the repossession of the subject vehicle was legal in accordance with the following ucc this company is required to provide me with copies of legal notices and proof of the commercially reasonable manner of notification and resale of the subject vehicle the proof was NEVER present and if not provided within 15 days feel Receipt of certified letter the claim is void to even continue reporting is a violation they never responded to this letter and anytime I send anything to this address XXXX provided I get delays faulty contact info is a violation as well Im asking that you ensure that this company honors my consumer rights. I even sent a letter to car connection and receive no response
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.
Product: Money transfer, virtual currency, or money service

I went to Bank of America in XXXX TX ( XXXX XXXX ) on today to cash a {$1500.00} Check that was given to me by an organization. I '' m not a member of BOA but I had proper identification. I was told by both the teller and Supervisor ( XXXX ) that I coud n't cash the check and they couldn't tell me the reason. I was told to go back and get another check from the organization but I had no information to take back to the organization in order to ask for another check. I went down to another BOA location where the check was perfectly fine & cashed. I then went back the previous location to find out why they werent able to cash the check but the other location with the same system could. I was told that they should not have cashed it and still no reason given. I felt like this was definitely an act of XXXX discrimination and profiling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank is not providing my Visa account information to XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized. I am a victim of identity theft. I filed a FTC report. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to formally dispute the recent communications I have received from your organization, which I believe are in direct violation of Section 605B. Your persistent contact, despite my explicit requests to cease, is not only unwarranted but also unacceptable. 

On XX/XX/year>, I made it clear that I do not wish to receive any further correspondence from your company. However, I have continued to receive correspondence that is intrusive and harassing in nature. This behavior is not only a violation of my rights under Section 605B but also reflects poorly on your organizations ethical standards.

I demand that you immediately cease all forms of communication with me. Furthermore, I expect a written confirmation that my request has been honored. Failure to comply with this demand will leave me with no choice but to escalate this matter to the appropriate authorities and seek legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX   XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX  was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Consumer Loan

I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.
Product: Credit reporting or other personal consumer reports

I traded in my vehicle on XX/XX/scrub>XXXX XXXX XXXX and the dealer paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Account should have been closed that day ( only 26 days past due ). I should not be penalized for XXXX internal processing time, which extended to XX/XX/year>. This delay has resulted in an erroneous 60-day late payment reporting to my credit report. XXXX payment was on time as well, so how could I be 60 days late? 

Please refer to screen shot and also copy of check from dealer to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Experian requested additional Indemnification documents from me in which I provided but I haven't heard anything back from them. The additional documents they requested I sent in my original dispute as well.

All accounts were removed except " US Bankruptcy Court Clerk of XXXX XXXX  CT " in the amount of {$0.00}. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.
Product: Mortgage

We purchased our home while XXXX was XXXX XXXX XXXX. Upon leaving the military in XX/XX/XXXX 2015, his job that was promised did not happen and became underemployed. I, XXXX, became XXXX with XXXX and on full bed rest and on XXXX from work. The XXXX were born 3 months early. One XXXX has major health issues that require special care. XXXX tried to find a better job and once employed did not receive pay for a few months. At this point we could n't keep up with the payments and fell behind on our mortgage. Now we are in a desperate need of a short sale. We have an offer on our home, we just need more time to get it reviewed by the bank. Will you help us get the foreclosure sale date postponed? It is currently scheduled for XX/XX/XXXX. The bank is Loan Depot and the loan number is XXXX. Thank you so much for your help!