23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The company closed my account after my most recent payment that was paid by my bank. I believe they closed it in retaliation of my complaint I filed another failure to proved policy documentation I requested twice which they still failed to provide. 

I am requesting that my complaint against Citibank be reopened and properly addressed due to Citibanks failure to provide the requested written policy, as well as CFPBs own failure to enforce compliance with the complaint resolution process. 



I submitted two complaints to CFPB regarding Citibanks unexplained delay in making credit available after my payment. In my second complaint, I specifically requested that Citibank provide a copy of the written policy that governs this practice. CFPB set a 14-day response deadline, but Citibank failed to meet it. Instead, Citibank responded after the deadline had passed, stating that they were still working on it. When they eventually provided a response, it was simply a vague explanationnot the actual policy I requested. 

Despite this clear failure to comply, CFPB closed my complaint anyway, stating that because Citibank responded within the allowed time, there was nothing further CFPB could do. This directly contradicts the purpose of the complaint process : A response that does not provide the requested information is not compliance. 

Key Issues Requiring CFPB Review : 1. CFPB Did Not Enforce Citibanks Compliance with the Complaint Process CFPBs own rules set a 14-day deadline for a complete response, yet Citibank failed to provide the requested policy even after this deadline. Instead of ensuring compliance, CFPB closed my complaint without requiring Citibank to provide the policy. 

2. Citibanks Response Did Not Address the Complaints Core Issue My complaint was not simply about receiving a response ; it was about receiving a copy of Citibanks written policy regarding delayed credit availability. Their response did not include this, meaning CFPB should have escalated the issue rather than closing it.

3. Failure to Provide the Policy Raises Consumer Protection Concerns If Citibank refuses to disclose the policy governing its actions, this raises serious questions about : Whether such a policy actually exists, or if the delays are arbitrarily applied to certain customers. 

Whether Citibank is violating the Truth in Lending Act ( TILA ) Regulation Z, which requires clear disclosure of credit terms. 

Whether Citibanks conduct constitutes an Unfair or Deceptive Act or Practice ( UDAP ) by enforcing undisclosed or inconsistently applied rules. 

4. CFPBs Justification for Closing the Complaint is Inadequate CFPBs position that as long as Citibank responded, there is nothing we can do completely fails to protect consumers. A response that does not resolve the issue or provide the requested information should not be considered compliance. CFPBs role is to ensure that financial institutions follow regulationsnot just respond to complaints with evasive answers.
Product: Mortgage

This is regarding predatory lending via telemarketing to the elderly. The 2 Wells Fargo telemarketers are XXXX XXXX & XXXX XXXX. They called my XXXX & XXXXyr.old parents from another state to coerce a woman w/XXXX & a man w/XXXX XXXX into a 30yr. refi. No mortgage protection insurance was offered, no borrower 's atty was present, no program to better suit their needs was offered. CT is a state that enforces Predatory Lending. I have been asking questions to Wells Fargo for over 1 yr. to address & they have resisted. XXXX Vice President, XXXX XXXX & her " staff '' are making a mockery of the CFPB by continually not addressing my questions. They sent a 41 pg. redundant PDF & not 1 of my questions was answered. How shameful. Again, where are XXXX XXXX & XXXX XXXX & where is their transcript? Why weren't my parents offered mtg. protection ins. should one of them die? Why was no attorney present to explain what was transpiring to my elderly parents? Wells was pd {$71000.00} on an {$81000.00} loan. I offered {$20000.00} from a reverse as a " short pay-off '' & Wells refused the offer. I will not pay for a criminal offense. XXXX XXXX calls me & has the gall to ask me if I have any questions? What does she think I have been asking for 1 yr & now am asking the CFPB to inquire? She is ridiculing both of us!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off AccounXXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX BANK XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquirie According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I Contacted the Winn Law Group who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I contacted them at XXXX XXXX XXXX XXXX on XX/XX/21, XX/XX/21, XX/XX/21 and left messages on their voice mail system. I never received a return call. 

On XX/XX/21 I spoke with customer service clerk XXXX at extension 107. Faxed and emailed paperwork requested. 

XX/XX/21 -called to follow up and left a voice mail. 

XX/XX/21 -spoke with XXXX ( customer service supervisor ) informed her the requested collection was not my debt and asked the process to dispute this account. I was placed on hold for for 1 hour. I then attempted to call back and was forwarded to a voice mail where I again left a message. After calling and pressing another extension I spoke with an XXXX who stated " no one was available, and I could not speak with anyone ''. I asked to speak to any lawyer who was available and he then stated he would transfer me and the phone disconnected on the business end. I called back and was forwarded to voice mail. I left a message and yet to receive a return call. 


XXXX Left a voice mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed multiple times in providing me with the physical and original documents they have in their files pertaining to an alleged medical account ( XXXX XXXX and XXXX XXXX that they are reporting. I have questioned Experian regarding the validity of this account as well as to insure me to me that no HIPAA Law violations were acted upon a numerous of times and I simply receive the generic statement from Experian stating - " The information you disputed has been verified as accurate. '' Yet I have not received any proof as to how they are determining this alleged account to be " accurate. '' It is to my understanding that in accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through PHYSICAL verification of the original signed consumer contract of all accounts you request that are being reported on my credit report. Experian has FAILED to do this! 
This law is very clear as to the Civil liability and the legal resources available to me for the " negligent noncompliance '' ( FCRA - Section 617 ) if Experian continues to fail at complying with this federal law.
Product: Debt collection

XXXX XXXX  is contacting all my family members and leaving messages about my debt. Called them to explain they are not to call my family as they have my phone number and address. They never left me a message but left messages on all my family 's voicemail letting them know I owed a debt.
Product: Checking or savings account

File a claim with several unauthorized transaction was denied for no clear reason and unjustified reasons
Product: Credit card

Capital one has been charging interest for years for cash advances that have not occurred. I have ask them to take these off many times but they refuse to do this. Their answer is that I took an advance out in XXXX which my statements show are not true. I have been unable to work this out with them. When on the phone they put me on hold for XXXX minutes with no final conclusion. Their responses are rehearsed and it is clear to me that I am not speaking to anyone who can rectify this. I have all staements from XXXX that I can send to an e-mail address.
Product: Debt collection

I have contacted this company on several occasions requested proof of this debt. The debt was never verified and is stopping me from getting a home but the company never verified debt but constantly contact me and harass me
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian : Why does an inquiry for XXXX XXXX  XXXX ( XXXX, 2024 ) appear on my credit report ( XXXX )? Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Sineely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report is inaccurately showing my current address with the wrong Suite number, please correct as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX A copy of my bank statement with correct suite number is attached.
Product: Debt collection

Company is a debt collection agency. They sent a request for repayment of XXXX bills, XXXX invoices originally received from health care facility, in XXXX separate request, presumably because I have to dispute each one separately. The online form to dispute debt provides no confirmation of submitting disputes. Debt was paid in full-confirmed with original creditor debt was paid in full. Was told by original creditor they had contact Apex. Provided proof to company that debt was paid in full, but got no confirmation of receipt. They refused to remove or resolve debt until they received communications from company, but when I asked them to contact the company ( since I had already spoke to the company on this issue and was informed they would call Apex ) they refused to do so. Company is in violation of Fair Debt Collection Practices act as they are providing false and misleading representations see 807. False or misleading representations. They threatened to report the debt to credit bureaus even though debt was already paid. Company is predatory and provides non-responsive answers to questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX  who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the Equifax data breach and all items should be blocked/removed until this investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests 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 items 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 items : XXXX XXXX XXXX  Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with this creditor because I have no contracts signed with this creditor
Product: Debt collection

I had a medical procedure performed on XXXX XX/XX/XXXX. I was informed that if I paid at check-in I would pay a fixed amount of {$2200.00} and that I would not owe anything else. I paid this amount in full at check-in. 
In XX/XX/XXXX XXXX XXXX XXXX sent me a bill for {$1200.00}. I called and asked what this was for. They responded that they had sent me a refund in error and that the amount that my insurance paid had changed. I asked for them to show me the proof of a refund because I did not see it in my account history. I specifically asked for the date, amount and check number. I asked they they send me the details demonstrating what the insurance company agreed to pay vs what they are now claiming. All they did was send another statement in XX/XX/XXXX. I responded with a letter on XXXX XX/XX/XXXX. XXXX then turned things over to MediCredit. I sent them a letter replying to their request on XXXX XX/XX/XXXX, informing them that they were attempting to collect a wrongful debt and that any proof to the contrary had not been provided. They then sent an itemized hospital bill which showed all hospital charges but not any amounts paid by me nor the insurance company. Not proof of refund or decreased insurance payments. I sent them another letter on XXXX XX/XX/XXXX. They then sent me another bill, this time increasing the amount requested to {$2600.00} ( with no justification for the increase ). I sent them a letter on XXXX XX/XX/XXXX asking them specifically not to contact me further since they have been unable to provide proof. They have sent yet another letter with the same useless hospital bill. I have written XXXX letters in total which will further support the above summary.
Product: Credit card or prepaid card

I have a balance on my Barclay Card ... XXXX. I asked XXXX XXXX ... XXXX for a balance transfer of {$2000.00}, paid to Barclay Card ... XXXX. XXXX XXXX ... XXXX only approved a {$470.00} transfer. 

I contacted XXXX XXXX ... XXXX by phone at the beginning of XX/XX/2019, because I did not want a transfer in the amount of {$470.00}, I only wanted the transfer if it could be for the full amount of {$2000.00}. I was unable to speak to anyone who could assist me. 

The {$470.00} transfer was sent to Barclay Card ... XXXX, from XXXX XXXX ... XXXX, on XX/XX/2019 and was received by Barclay Card ... XXXX on XX/XX/2019. 

Since I could not get any assistance from Customer Service at XXXX XXXX ... XXXX, I called Barclay Card ... XXXX, around the time the transfer took place, and told them I did not want this transfer, hoping they could reject it. 

Barclay Card ... XXXX said they would take care of it. They reversed the {$470.00} off of my account and kept the payment. They are charging me {$470.00}, even though they received and kept the payment from XXXX XXXX ... XXXX, in the amount of {$470.00}. 

XXXX XXXX  ... XXXX is also charging me for the {$470.00} payment they sent to Barclay Card ... XXXX. 

I sent a certified letter of complaint to XXXX XXXX ... XXXX on XX/XX/2019. They contacted me and told me that if they receive the funds back from Barclay Card ... XXXX, they will reverse all balance transfer fees as a courtesy. But they are unable to do anything until they receive that payment back. I appreciate their response and attention to this issue! 

I have called Barclay Card ... XXXX several times and usually they tell me they will send my account for review, but this issue is never resolved. I sent Barclay Card ... XXXX a certified letter of complaint on XX/XX/2019. I have received no response or resolution to this matter. I have emailed them at XXXX, still no response or resolution. Please help me get this issue resolved. I am being charged the same {$470.00} by both XXXX XXXX ... XXXX and Barclay Card ... XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report I disputed   XXXX   XXXX   XXXX    account and it was deleted in   XXXX   XXXX  . It showed back up on my Experian credit report around   XXXX   XXXX   XXXX  . According to FCRA rule  1681i I should  have been infromed by a 5 day letter which I never received. So on   XXXX   XXXX   I called Experian and asked to verify the dispute and the deletion which they did at which time I informed them about rule  1681i  and at which time the lady could n't find any information on the 5 day letter being mailed so she put me on hold back and forth for about 20 minutes at which time she took my phone number and said her supervisor  XXXX  would call me back on it shortly after but I never received the call from her. I called back she was in meeting lady said she would send document to remind her to call again never heard from her.They could not come up with any information on them mailing me the 5 day letter of reinstatement. So I want this item deleted from my credit report as according the FCRA rule 1681i the process they were to follow was n't and should be deleted.        15 U.S. Code 1681i  - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information  may  not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.    ( ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.    ( iii )  Additional informationAs part of, or in addition to, the notice under clause (  ii  ), a consumer reporting agency shall provide to a consumer in writing not later than  5  business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ;  ( II  ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and  ( III )  a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Student loan

At the beginning on XX/XX/XXXX I setup autopay for my account. At the same time I did make a payment to get ahead of the loan by a little bit for an amount of {$75.00}. On the expected autopay date of XX/XX/XXXX I didn't get charged for my autopay or any email or anything regarding this. ( Note I read somewhere there might be a mandated rate reduction if autopay is enabled unsure here, but I didn't see this if it this is the case ) I didn't have a late payment as I did do a manual payment that met the minimum requred for XXXX. 

Shortly after I setup autopay again but I didn't make a manual payment. Fast forward to yesterday XX/XX/XXXX I didn't get charged again for autopayment and today XX/XX/XXXX I pay the late payment amount and next month in XXXX payment for a total of {$150.00}. 

I got in contact with customer service and they couldn't help me and told me it should be working after XXXX billing cycles, but that wasn't communicated with me in any sense. Plus it had been XXXX billing cycle already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still on my XXXX report when I was told they would quickly remove it once I paid the full balance. The full balance was paid but it still shows on my report.