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

Citibank is not complying at all with my numerous attempts at finding out who took {$600.00} from my checking acct with them. My balance went from XXXX to XXXX. Exactly {$600.00} taken from a locked checking acct. I paid out {$300.00} to officially close my Citi checking and savings accts. They did not inform me of closing the decent enough monies associated with these two accts. Then a provisional credit for {$2100.00} was not successful in granting me a shelter from a collections agency. Citi is charging me {$2900.00} to payout the collections investigation provisional credit ; this is {$820.00} more than they gave me for credit! Usury predatorial interest rates, I guess. Please contact Citibank for me to reduce provisional credit payout to {$2100.00} and what exactly happened to my XXXX now XXXX?
Product: Bank account or service

Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.
Product: Vehicle loan or lease

We bought out the lease for our vehicle in full with Hyundai Motor Finance on XX/XX/XXXX. Payment was issued to Hyundai Motor Finance in the amount of {$19000.00} which included the remaining balance of the lease in addition to the Illinois sales tax owed in the amount of {$1200.00}. 

On XX/XX/XXXX we received the following documents : Bill of sale, Title, and a Illinois Department of revenue ST-556 Sales Tax Transaction Return form. 

We took all of these documents to the DMV with the goal of transferring the title and registration from Hyundai Motor Finance into our names. The DMV declined our request because they cited a lack of any evidence showing that the Illinois Sales tax has been paid. I showed them the form ST-556, however they said there is no confirmation stamp or transaction number referenced demonstrating that the payment has been made. I attempted to go back a second time, and was again declined for the same reason. The supervisor even called the Illinois department of revenue, referencing the tax return form and they confirmed they did not see the payment of {$1200.00} referenced on the form given to us by Hyundai Motor Finance. 

I have called Hyundai Motor Finance numerous times ( at least XXXX separate occasions ) since then between XX/XX/XXXX and XX/XX/XXXX and have spoken to both regular sales reps and supervisors giving them this background information and requesting a " sales tax paid letter '' demonstrating proof of payment of the sales tax to the state of Illinois. Each time I was told that this was handled by a separate " back office accounting department '' which nobody can talk to directly and that they can only send them an email relaying my ask. Each time I was promised to be given the sales tax payment proof within XXXX business days ( sometimes via mail, sometimes via email, other times via the website direct messaging ) and in the end I never received anything from them on any of these occasions. The best they could do was send me another duplicate copy of the same ST556 form which was useless. I have attempted to file complaints with supervisors, and that also had no effect.
Product: Mortgage

Since XX/XX/XXXX Mrs. XXXX XXXX me wife and my son XXXX XXXX XXXX XXXX XXXX mother passed away. My son has has been making the payments on the property while I was gone. Since XX/XX/XXXX I  have contacted Bayview and told them that the way the property is titled and since there is a Joint Tenancy filed with the local county and copies have been sent as well as copies of the will these people do nothing but talk about Probate the case. This does not have to be done. Since XXXX oaf Last year my son suffered a XXXX and also find out that he was a XXXX  XXXX XXXX  now on XXXX XXXX and I believe that the XXXX Bayview with the stress has caused us that they are the ones responsible for my son 's health problem. For my own purpose I am enclosing XXXX County Court Documents that show on XX/XX/XXXX I am a Joint tenant of the property and the property needs no probate. Also on XX/XX/XXXX My son XXXX XXXX XXXX XXXX and my wife XXXX XXXX XXXX are joint tenants. This XXXX  about probate and there lawyers since they lose cases in court all the time are idiots. I did talk with a nice lady at Bayview by the name of XXXX XXXX and she was looking into this. Also on XX/XX/XXXX I spoke to a Lady Named XXXX ID Badge XXXX and of that day was sending out papers. To this day XX/XX/XXXX I have gotten nothing more stories. Since Bayview does not follow Federal Law in offering Loan modification and I am sure that this matter should be resolved in 24 hours they will drag their feet. I have seveal offers from attorney to sue them that I have talked with but not retained. This company is a front for illegal activity and since I was a big supporter of President Trump I  talked with someone on his campaign staff and made them aware and when he gets the time maybe he needs to investigate this company. All I want to do is have the ownership by law that I have and get help with getting this resolved. Thank you for your time.
Product: Mortgage

XXXX  XXXX /2017 called to order a short sale package informed the customer service rep that I was actively trying to sell my house with a realtor.
 XXXX / XXXX /2017 called back to ask for another short sale package never received the first one.
 XXXX / XXXX /2017 my realtor and I called in on a conference call because the package received was for a loan modification and I told the CSR that I was unemployed and that we were actively showing the house to sell it. The CSR confirmed that if we sent that package in for a loan modification that the foreclosure would be put on hold to allow us time to process that request in the hopes of securing a buyer.
 XXXX / XXXX /2017 loan modification was faxed over 135 pages completed the checklist of documents requested.
 XXXX / XXXX /2017 we received a full price offer enough to pay my loan in full. My realtor and I called the foreclosure attorney to make sure that the foreclosure had been put on hold and we were told the house sold to a 3rd party at foreclosure on  XXXX / XXXX /2017  XXXX  at the law office told us to contact MB Financial Mortgage and let them know we had a full price offer to pay the mortgage in full. We called and  XXXX  at MB Financial Mortgage verified that the documents for the loan modification were received and they were missing 5 pages so my realtor sent them to her immediately and  XXXX  confirmed she received them.   XXXX   proceeded to inform my realtor that she would ask her supervisor to " Reinstate the loan '' and she would send an updated payoff. She informed my realtor that the reinstatement of the mortgage was APPROVED to continue with the sale of the house! An hour later my Realtor had the purchase and sale agreement executed.
The buyer has proceeded with an inspection {$400.00} and Appraisal {$550.00}.
 XXXX / XXXX /2017 My realtor called MB Financial Mortgage and spoke to 4 different people over the course of 2 hours and was told that they will not reinstate the mortgage she even spoke to a Vice President of the Mortgage Company and he refused to help also. My Realtor 's attorney and the Mortgage Company 's attorney have both confirmed that they have up to 30 days to rescind the 3rd party sale and reinstate this mortgage so we can pay it off in FULL on  XXXX / XXXX /2107.
I am begging you to put this at the top of the list as we are about to lose this buyer. My realtor could face punitive damages for listening to   XXXX   and MB Financial Mortgage promise to reinstate this mortgage. I appreciate your prompt attention regarding this very urgent matter
Product: Credit reporting or other personal consumer reports

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Checking or savings account

I had an investment account at Chase for several years, which was terminated by the bank when I changed my address to XXXX. Many times I have tried to upgrade my checking account to " sapphire '' and opening an investment account, most recently last XXXX. The internet program did not permit this, and when I called up they said they can not do this for someone with an overseas address. The banker said to supply a US address. I do not care to lie about my residence. This is quite frustrating.
Product: Credit card or prepaid card

ortiva Credit Card issued by The XXXX XXXX XXXX, XXXX XXXX, XXXX Has closed my account claiming it is due to payment history. They have not given me any notice and are in violation of it's own policy. I was notified today that my account was closed by them in XXXX. If you review the statements attached you will see that my account was active and last recent purchase with the card was made on XXXX. Fortiva has no valid reason to close the account, and Fortiva can provide no notice or reason sent to me ( per their policy claiming that they are closing the account for any violation ). Instead Fortiva, continues to accept payments on the credit the provided and refuse to make that amount available for me to use, claiming for some reason that my account is now closed. This bait and switch should not be allowed and is deceptive. This account has been open since XXXX of XXXX. A missed payment does not justify closure of a account. Nor is it part of its own customer agreement to do so. Fortiva has clearly charged a late fee for that missed payment and was paid that late payment and account was in good standing and a purchase was made this month, there is no valid reason Fortiva can provide to close this account. ( see the statements attached ).
Product: Checking or savings account

On XX/XX/XXXX I wrote a check for {$160.00} to the XXXX XXXX ( Independent Agent for XXXX XXXX XXXX ) for a New Auto Insurance Policy. The Agent XXXX XXXX cashed this check but pocketed the cash and Did Not send Any money to XXXX XXXX XXXX On Wed.  XX/XX/XXXX I left a message on my banker 's phone ( after hours ) about this Fraudulent activity. The next day ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX, Ga. ( Synovus ) ) called me. He had Researched this Situation and Informed me That XXXX XXXX had been arrested on multiple Fraud charges like mine. XXXX and the Bank had Proof Positive that I had Indeed been Defrauded and normally the Bank would Credit My Account for the {$160.00}. BUT ... since this is Now a Criminal Case the bank is NOT going to credit my account for Any money. They suggest that I go to the XXXX, Ga. Police Dept and register a Complaint if I want My {$160.00} Back. I Do n't Understand Why the Bank does n't give me MY Money back and go after the Criminal to get Their Money back???
Product: Credit card or prepaid card

I opened my XXXX credit card account in XX/XX/XXXX. I have been using it infrequently ( 1-3 times per year ) and almost exclusively to shop at XXXX. Since I opened my account, it has been set on autopay, for the full balance to be paid on the due date. Hence, I never have had any late payments since I opened the account XXXX. 
In XX/XX/XXXX, the account was transferred from XXXX XXXX to CapitalOne. 
In XX/XX/XXXX, I made an online purchase of {$89.00}. I have made no other purchases with the card since. 
I received a statement in XXXX, reflecting the charge. However, since my account was set to autopayment, I did not balance it manually. 
I did not hear back since. 
In XX/XX/XXXX, I was made aware by my credit monitoring firm that my account had been reported as late to two major credit bureaus. Also, due to multiple late fees applied, plus interest, the balance had ballooned from {$89.00} to {$200.00}.

I called the new servicer, CapitalOne.

It turns out that when CapitalOne 'bought ' the CC account, they failed to transfer my account settings. Hence, the autopay had been cancelled without my notice. While I had received some generic mailings about the transfer of providers, I was not specifically made aware of their failure to transfer my account settings correctly, especially not the fact that they arbitrarily cancelled the autopay I had set up for the account when I opened it. Since my bank account had not changed, I did not have any reason to suspect that the new servicer would single-handedly change my account settings. 
Unfortunately, a lengthy call into CapitalOne did not result in any accommodation on their part. I had requested that the late fees be waived and the damaging reports to credit bureaus rescinded. Both were declined by CapitalOne.
Product: Credit card or prepaid card

On XX/XX/22, I got charged for foreign transaction fee for {$34.00} from Fidelity credit card for purchasing XXXX flight tickets. I called the customer service and Fidelity credit card claimed that the transaction was made at XXXX, XXXX, XXXX. However, XXXX does not have office in XXXX, XXXX, XXXX. But XXXX, California. As per, XXXX XXXX XXXX Additionally, I have made another XXXX transaction with XXXX credit card and doesn't get transaction fee charge. As per XXXX XXXX XXXXXXXX XXXX XXXX XXXX  there will be 3 % foreign fee if the transaction is outside US. I don't have any foreign fee charge from XXXX. 

I have called Fidelity customer service and XXXX XXXX Avoided to give last name ) told me that I should pursue legal action to get dispute on my own. 

In conclusion, this is a mistake from Fidelity and I am not supposed to get foreign fee charge.
Product: Mortgage

Wells Fargo sent me a loan cost approximation document and told me over the phone they offer certain rates. I then proceeded with the loan estimate and they ran my credit ( which is over 800 ) and they gave me an estimate nowhere near what they told me or near where another lender was after they told me they would at least match it. 
The representative also didnt disclose that there were buy down points involved and he deliberately omitted the line item which is supposed to show what youre paying for the rate reduction. He just put the rate with the closing costs so you have no idea what youre paying for exactly. Its confusing to say the least and Im a XXXX graduate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago, I closed an account with chase. My password and user id no longer worked. Chase began sending emails soliciting me for credit and monitoring me. The only way to unsubscribe was to open my account and change my preferences, which I could not do since my username and password no longer worked. I finally found a number to call and was promised they would stop. This was about 3 months ago. now the emails have started all over again. There seems to be nothing I can do to stop them. They are also monitoring my credit. I want them to stop monitoring me and stop the emails.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX XXXX XXXX, which is reporting an inaccurate and unverified collection account on my credit report. This account is completely unbeknownst to me, and the original creditor has already confirmed that the debt was settled for an amount that is not even remotely close to what is currently being reported. 

Furthermore, XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting inconsistent and conflicting balances across the credit bureaus : XXXX and XXXX report a balance of {$2700.00} TransUnion reports a balance of {$2700.00} Additionally, the original creditor could not verify the validity of this account, let alone prove its accuracy when each credit bureau reflects different balances, open dates, and dates of last activity. These discrepancies demonstrate clear violations of the following federal laws : 15 U.S. Code 1692e False or misleading representations, 15 U.S.C. 1692g Validation of debts, 15 U.S.C. 1692f ( 1 ) Unfair or unconscionable means to collect. I am formally requesting that XXXX XXXX XXXX immediately remove this account from my credit report due to its inaccurate and unverifiable nature. This is my good faith attempt to resolve this issue before pursuing legal action and monetary relief for damages caused by their unlawful reporting practices.
Product: Credit card or prepaid card

I have received and continue to receive credit card accounts opened in my name without my authorization through Synchrony Bank. I have called Synchrony Bank a few times in the past to report the fraud yet continue to see new accounts opened up fraudulently with Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 )  XXXX XXXX {$4600.00} 4 ) XXXX XXXX XXXX XXXX I'm disputing this account as well XXXX XXXX XXXX, please remove
Product: Credit reporting or other personal consumer reports

I have been trying to access my credit score and associated information through XXXX account and am only met with a blank page when I log on. I have tried calling TransUnion who sent me to XXXX who said everything was fine on their side and to file with CFPB. I have attached screen shots of the most recent email alerting me to a change in my report of which I clicked to access it along with what I see. I have tried accessing this site on XXXX and XXXX to bo avail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Product: Credit reporting or other personal consumer reports

I have reached out to credit acceptance in reference to incorrect information being reported on my credit file that has not had a payment since XX/XX/XXXX. The company continuously report to my credit bureau that the account is 120 days past due, but in reality, it should be charged off due to it being a tax write off for their company. I would like this account to be removed my credit bureau due to falsified information reporting that a last payment was in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, 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 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013 The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, XXXX XXXX