23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened an account with Citizens Bank XX/XX/XXXX with {$5000.00}, explaining that I wanted an interest-bearing account but did not intend to draw on the account at all. I was told that a " Money Market Account '' was appropriate and that, to avoid the imposition of fees, I should arrange to have my monthly statements emailed rather than sent via regular mail. I completed the paperwork and subsequently received statements by email, although I did not review them carefully because I knew I had not made any withdrawals ( or deposits ) to the account and expected the balance to remain stable. XX/XX/XXXX I received XXXX letters by regular mail from Citizens Bank advising that an " inactive account processing fee '' of {$50.00} would be assessed and the account funds transferred to the XXXX of XXXX based upon " unclaimed property law. '' I brought the letters to my local branch ( the same one where I had opened the account ) on XX/XX/XXXX. I was told, in essence, that my account balance was approximately {$4200.00}, having been assessed " relationship fees '' of $ XXXX/month and " inactive account fees '' of $ XXXX/month since the account was opened. When I spoke with the manager, he credited my account only XXXX months ' worth of fees ( {$67.00} ) and blamed me for not having read my statements more carefully. I closed the account immediately and was handed a check for {$4200.00}. On XX/XX/XXXX I sent a letter of complaint to the Chairman and CEO of Citizens Bank in XXXX, XXXX requesting a refund of the {$720.00} in " fees '' taken from my account along with the interest I should have earned on my {$5000.00} deposit for 3 1/2 years. I received a voice mail message from " XXXX in the Office of the Chairman '' on XX/XX/XXXX. I returned her call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX leaving voice mail messages each time. She finally called me back the afternoon of XX/XX/XXXX and advised me that the very most she could rebate me was {$240.00} ( XXXX months of " relationship fees '' and XXXX months of " inactive account fees '' ) and that she would have to re-open my account to do so. She also informed me that this was my only option to obtain redress, and that this was the " highest level '' at XXXX to which my complaint could be brought. I received a call today ( XX/XX/XXXX ) from " XXXX in the Office of the Chairman '' to advise that the check for {$240.00} was on its way, my account had been closed according to my instructions and she " just wanted me to know the outcome. '' Unfortunately, I know the outcome all too well -- I am still out nearly {$500.00} in " relationship '' fees that Citizens Bank can not possibly justify.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

XX/XX/XXXX account opened Amount owed- {$1000.00} Company Name- Common Wealth Financial Not my debt, havent been to the hospital since XX/XX/XXXX and I had insurance to cover my visit and I go to the walk-in click for my dr visit I pay cash ... there is no way the account that was opened in XX/XX/XXXX is my debt!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from transunion saying its open but XXXX and XXXX  saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.
Product: Checking or savings account

On XX/XX/2018, I got involved in a Citibank promotional offer which offered a cash bonus of {$400.00} if I kept {$15000.00} in a checking account for 150 days. I opened a checking account and deposited the money. The 150 days was up on XX/XX/XXXX, but I have not yet received the bonus. Three disputes have been filed, but no one knows how to solve this problem. It has now been 168 days since I deposited the required {$15000.00}. Disputes have been filed but nothing is happening. Citibank is in no hurry to resolve this dispute although it is not a very complicated case. No one knows how to handle this situation. 
I would really appreciate your help in finding out what's going on. 

Thanks very much. 

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

ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX  XXXX  - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

I was not provided with the results of my dispute of these accounts that I sent over 45 days ago. To my understanding, I must received dispute results within 45 days after credit bureaus receive my dispute. This did not occur.
Product: Student loan

In XXXX of 2022 i started receiving phone calls and voicemails regarding a loan past due. I called the company with no knowledge of this loan and expressed that to their representative. They told me it was mt ex husband who took the loan out and I had been put under the laon as well. Since then he has not been paying this loan and it has hit my credit. they told me over the phone i could not be taken off the loan unless I report it as fraud as i am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Product: Credit card

On XX/XX/XXXX with a single charge, a cellphone with a cellular service plan was ordered from XXXX XXXX for {$190.00}. 

XXXX XXXX failed to ship both the cellphone and SIMs to utilize the cellar service plan. 

On XX/XX/XXXX XXXX XXXX refunded the - {$150.00} charge for the cellphone, but they refused to refund the cellular service plan charge of {$40.00}. The XXXX XXXX representatives said they were unable to. They advised I should dispute it with credit card provider. 

A dispute was opened with Discover on XX/XX/XXXX for {$40.00} and they ruled that the charge was valid. No product was provided, no service was activated. The merchant failed to provide information and equipment to utilize the service even without the cellphone. 

Discover was contacted to find out why the dispute was ruled for in the merchants favor. They were very rude, would not provide a reason, and referred me to the web portal. The merchant provided dispute PDF XXXX was corrupted and unreadable. 

I am seeking the assistance of CFPB to help provide more information on why this charge is can not be refunded.
Product: Mortgage

US Bank appears to be in violation of the PMI Cancellation Act. An extra principal payment was made on XX/XX/2021 on a mortgage serviced by US Bank to reduce LTV under 78 % on a mortgage originated in XX/XX/2021. I spoke with a representative at US Bank 's PMI department on XX/XX/2021 who reviewed my account and indicated that PMI would be removed from future payments and that no further action would be required, and that a BPO  was not required. This change was not reflected in the payment due XX/XX/2021 as promised. On XX/XX/2021 I spoke with a US Bank customer service representative who indicated that the original request for PMI to be removed was denied on XX/XX/2021. I was not informed of this decision and received no explanation - after being explicitly told that PMI had been removed in the previous phone call. On XX/XX/2021 I spoke with a customer service representative who initially claimed that the request was denied because I was required to pay for a Broker Price Opinion ( BPO ) before PMI could be removed, in direct contradiction to the promise made on XX/XX/2021 - on a loan with LTV less than 78 % that originated less than 5 months before the request was made to remove PMI on XX/XX/2021... but then said, again, after reviewing my account, that any requirement for a BPO was waived and not required to have PMI removed and that no further action was needed on my part, and that PMI would be removed immediately. US Bank failed to follow through and remove PMI upon my original request on XX/XX/2021 after asserting that a BPO was not required, which I believe is a violation of the PMI Cancellation Act. In another call, a representative ( whose employee ID is available on request ) then indicated on XX/XX/2021 that PMI would be removed without the requirement for a BPO, and that the removal of PMI would be reflected in the next statement. I am documenting this failure to remove PMI when all legal requirements were met, and to verify that US Bank twice indicated that a BPO was not necessary after reviewing my account, and seeking confirmation that the failure to remove PMI after receiving verbal notification that it would be removed constitutes a violation of the PMI Cancellation Act.
Product: Money transfer, virtual currency, or money service

I was scammed by an individual that I wire transferred {$16000.00} to a foreign country. I was not trained to recognize this. I have never done any wire transfers to anyone let alone to a foreign country and a random company. There were so many red flags for the two transfers but Bank of America never warned me. I have tried to connect with the bank since XX/XX/XXXX to file a fraudulent claim but the fraud department was closed. I then connected with my financial advisor by email. His supervisor called me and asked me to call the fraud department but the fraud department could not verify my identification. I was told to go to the financial building to address this issue but they had no appointments available even they knew the fraudulent transactions. I finally made an appointment to a local Bank of America office today. The agent called the fraud department and was transferred to XXXX different representatives and yet my concerns were never addressed and no claim has been made. Nobody wanted to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling this issue for a whole year now and finally decided to just pay it off. On XX/XX/2018 I sent a letter to the credit to settle this account in the amount of {$140.00} with the following terms : All negative information relating to this debt must be removed from my credit report from all three credit bureaus ( i.e. charge-off, late payments ). 
You will not list this debt as a settled account, but paid in full and closed with no balance due. 
Your company will accept this payment to satisfy the debt IN FULL. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to any outside third parties. 
On XX/XX/2018 ; the creditor responded with a counter offer of {$200.00} to be paid by XX/XX/18. On XX/XX/18 I paid the money order in the amount of {$200.00} and again sent the terms that were on the original note and added " In addition cashing of the money order is an agreement of the above terms. '' I never received a response but on XX/XX/18 the money order was cashed. When I checked my email a few days later, I noticed an email from the account manager on XX/XX/18 stating the following " unless you email me a signed letter that you are willing to agree to everything else but the first request, I will have the payment department return your money order. '' Well the money order was cashed and although I understand it has not been 90 days, the creditor has flagged the account as settled and all other terms that were listed in the letter were violated. They received payment, the money order was cashed and I still have negative remarks on my account. 
***SEE ATTACHED DOCUMENTS***
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make Nationstar aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from Nationstar who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on Nationstar Mortgage now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Product: Credit card or prepaid card

My PayPal XXXX XXXX account attached an insurance company to my account which is another division of their company called XXXX. XXXX charged me {$3300.00} by attaching small amounts onto my amount due each month without disclosing the additional amount on my online statements or explaining that this was not my amount owed from purchases. I continually payed my payments and kept calling for a year to get an answer of why my payments were not subtracted correctly from my balance. Finally after a year of calling amount the discrepancies, the customer care agents informed me that the amounts never matched of amount owed to my payments, because it was going to another division of their company called XXXX, which is an insurance used to pay off credit card in case of unemployment. I never gave this insurance company called XXXX permission to charge my account. Had I know about this insurance I would have used it in XX/XX/2020 when I had an accident and had a fractured leg, which caused me to be out of work for 5 months. I did not use the insurance because I never knew it existed until after that period of time. After multiple more inquiries and complaint processes they told me how to finally cancel the insurance policy to stop these charges. This information was finally given to me after a year of disputes. I followed their instruction XXXX to cancel the policy and stop the charges from occurring. I was given a refund of only a partial amount of {$870.00}. Since then they have opened several more cases to resolve the issue and even gave me another letter stating I would receive more of a refund only to then be told that the letter was sent in error. I never gave this insurance company, XXXX a division of Paypal XXXX XXXX to change my card and hide the charges while fraudulently opening an insurance policy in my name without my permission. I would like a full refund of {$2400.00} which is calculated from the full amount charged without permission of {$3300.00} minus the partial refund of {$870.00} given.
Product: Mortgage

In case XXXX, SPS continues to say that XXXX was acting to protect their interest in advancing funds to pay off XXXX. 
This is not the case, because I was in NO threat of foreclosure from XXXX, and XXXX did not have any idea of arrangements with XXXX to bring the account current. 
The reason I was delinquent in the first place was because I had XXXX and it took a long time to recover. XXXX was very helpful during this time, unlike XXXX. 
Because I was not in danger of foreclosure from XXXX, XXXX did not protect their interest, but did arbitrarily ( and I say illegally and unethically ) decide to pay off my first mortgage with XXXX. 
As such, it was a cash out refinance, entitling me to the right of rescission. As I have said before, I NEVER received ANYTHING showing where any of the money went, let alone any RESPA documents. 
I am willing to see what a Judge would say in a court of law, is SPS?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

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

I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for entry level management in logistics, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my XXXX XXXX credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later XXXX XXXX reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to XXXX XXXX and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.