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

Citibank was running promotion for checking account and I decided to open it. 

XXXX. I opened a checking account online from Citibank portal on night of XXXX XXXX. I arranged an initial transfer of {$25000.00} from my XXXX XXXX XXXXXXXX checking account. 
XXXX. Next day on XXXX, Citibank sent letter which XXXX received on XXXX saying they are ending banking relationship with me. Upon calling call center, they told me account is locked because they suspect fraud as account was accessed from multiple geographic locations.Letter mentioned Citibank will close account and return any balance in account by cheque to my address on record. 
XXXX. On XXXX, my initial transfer of {$25000.00} to XXXX was completed and amount credited to Citibank. 
XXXX. As I asked for refund of the money, Citibank call center told me to raise a claim with issuing bank i.e. XXXX XXXX XXXXXXXX to get money back. 
XXXX. I raised claim with XXXX XXXX XXXXXXXX for same on XXXX XXXX. XXXX XXXX XXXXXXXX rejected my claim on XXXX saying it was a legitimate transfer approved by me. 
XXXX. On XXXX I visited Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banker told me, account is closed on XXXX and I will receive cheque of my balance in XXXX to XXXX  days. 
XXXX. I waited for XXXX days till XXXX, still not cheque received. 
XXXX. I again called Citibank fraud call number, they are again telling me to raise claim with XXXX XXXXXXXX XXXX to get back my funds. 

This is very distressing as my {$25000.00} are locked for more than XXXX days now and there are no signs of any support from Citibank on this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  incorrect reporting collection /charging disputes XXXX auto loan incorrect reporting collection / charge off disputes
Product: Credit reporting or other personal consumer reports

My old friend and roomate opened stuff up in my name without permission, I just want this stuff taken off my report.
Product: Checking or savings account

I gave {$310.00} to Home Advisor to get a contractor to install an air conditioner. They didn't call and my neighbor offered to do it during the heat wave in XXXX. 

They will not refund my money. The bank said there is nothing they can do. Chase Bank
Product: Mortgage

Company drafted payment twice i asked for refund or payment to be rejected and they are refusing to unless i provide bank statement, but they are the ones processing payment and refuse to reject now i am overdrafted on my account and incurring fees this is a huge burden on the borrower and XXXX the agent I spoke to refused to let me talk to a manager after requesting twice he finally did on the third request also kept stating that I acknowledge that it was fault and not Caringtonton 's fault multiple times and I adamantly kept denying it and feel that this was deceitful under UDAAP and he did this multiple times I wonder how many times he has done this and is this the way that Carrington trains their agents on this makes you wonder
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

I received an offer for an Indigo credit card from Concora Credit and accepted it. When I received the first bill, there was an unauthorized {$170.00} charge that was listed as an inital credit card fee. I did NOT agree to this fee and immediately contacted the company on XX/XX/scrub>XXXX XXXX XXXX upon receiving the bill. The bill also does not have my correct name listed. I informed the company that I would never have opened the credit card if I was aware of this fee. They indicated that they have no record of my signature for this charge.
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. 

Account 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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for mortgage assistance with California mortgage assistance program in XXXX XXXX ( XXXX ) appealed ( XXXX ) and again ( XXXX ), and each time the state informed us the midland continues to send wrong information through their internal communication system of what my conforming loan limit is. I went a step further and contacted XXXX XXXX  who is the original loan servicer to provide documents showing how my loan qualified as an fha loan and how it met XXXX XXXX conforming loan limit and they were kind enough to provide that. I then provided those documents to midland and asked that during the verification process that they provide those documents to the state and once again the state informed me that midland provided them incorrect information and as a result they declined me again and suggested that I get XXXX on the correct path. I have no idea how to help XXXX at this point as their incompetence has proven too much. 


Please assist. I have also reached out to XXXX XXXX  ad of Friday XX/XX/2023, informing them that the servicer they transferred my loan to has shown incompetence and to see how best they can facilitate and escalate it to the management team within midland
Product: Student loan

I attended the XXXX  XXXX XXXX XXXX in XXXX, MN before it and XXXX XXXX got into legal trouble with the State of Minnesota and stopped operating here. I attended XXXX for XXXX quarters after being told their XXXX XXXX XXXX was the same as a XXXX XXXX XXXX and was soon to be accredited. 

They were never accredited and my degree is not only impossible to complete, but not the product I was sold. Because of this, I stopped registering for classes at the school and requested information for the lender they had me borrow money for tuition from as they did not have agreements with any banks for student loans. They refused to provide information for paying the lender directly. So I told them I would wait for a bill when the first payment was missed and pay my lender directly, they would only let me pay in person or through their school portal. 

Long story short, I never received a bill from my lender. I do not believe there was ever a third party acting as the private loan lender, but it was a line of credit from the school. That is against the law as far as I know. My issue is that I was allowed, by the State of Minnesota, to take out federal education loans for this now defunct institution. I have repeatedly requested to be released from these loans and have been denied by XXXX and my servicer without reasoning for why they are assisting MSB in committing financial crimes against me. 

My servicer is Navient. It was previously XXXX XXXX, and before that, it was XXXX XXXX. The federal government should not be assisting a private company in committing financial crimes by demanding repayment for the costs of their criminal act.
Product: Mortgage

The Case Narrative is the chain of Title to the subject Security Deed is defective as the XXXX  and Note/debt was sold to XXXX and XXXX in 1996 with no assignments from XXXX having ever been executed to any other party.Thus the subject Security Deed and Note never went through the FDIC in its Receivership of XXXX XXXX XXXX to XXXX XXXXXXXX XXXX and from XXXX to Bank of America
Product: Debt collection

was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from speedy cash or XXXX
Product: Debt collection

My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with Exeter finance LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed BK Chapter XXXX and added Security Finance into Chapter XXXX. I received my discharged letter from the courts. Security Finance is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear SECURITY FINANCE XXXX : Security Finance is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : XXXX. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to my prior complaint against Experian, which is CFPB complaint # XXXX, which I filed as a result of Experian 's complete and total failure to respond to my XXXX letter, demanding they provide me with their METHOD OF VERIFICATION for an account that is falsely reporting in the derogatory. I XXXX of 2021, I sent a XXXX letter, exercising my rights under FCRA, which states that, upon request, the credit bureaus are required to provide THE METHOD OF VERIFICATION that they used to " verify '' an account as accurate, including the original contract containing any signatures. Experian entirely failed to do this. Instead, they simply opened another dispute on this account, only to almost immediately come back and, once again, verify it as " accurate. '' Experian has BLATANTLY violated MY RIGHTS under FCRA by refusing to provide the information that I am fully entitled to, so I filed CFPB complaint # XXXX stating that since they failed to send me the method of verification for this account within 30 days ( they did not end it AT ALL ), they are now required to IMMEDIATELY DELETE this account from my credit report. In response to CFPB complaint XXXX, Experian stated , " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. '' THAT IS NOT WHAT I ASKED FOR!!!!!!!!!!!!!!!!!!!! I CLEARLY stated in CFPB complaint XXXX that Experian is now required to DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY for failure to respond to my XXXX letter and provide me WITH THE METHOD OF VERIFICATION with which they are verifying this account. Therefore, my next step is to file a LAWSUIT AGAINST EXPERIAN for flagrantly VIOLATING MY RIGHTS under FCRA by failing to respond to my XXXX letter and failing to provide the documentation that I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the inaccurate and damaging information being reported on my credit report regarding my bankruptcy. I believe that your company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by selling, transferring, and reporting inaccurate information to potential creditors. 

As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. Furthermore, the FDCPA prohibits debt collectors from using false, misleading, or deceptive practices when collecting a debt. 

I am requesting that Equifax contact the United States bankruptcy court to verify the accuracy of the information being reported. I also request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : -A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting.

-Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines.

-Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting.

-Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format.

-Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings.

I would also like to remind Equifax of their duty to report accurate information and not engage in any practices that may be considered defamation of character or misrepresentation of creditworthiness. Any such actions may result in potential legal action.

Finally, I would like to request information on the United States Bankruptcy Court 's role as a credit reporting agency and how they obtained and transferred the information being reported. I also request information on the statues and laws related to the Fair Debt Collection Practices Act and how they apply to this situation. 

Thank you for your attention to this matter. 

Sincerely, Attached information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/1978.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several student loans with XXXX that were paid in full. Several of the loans were reported as PAID IN FULL while 2 of them were marked as delinquent when in fact they were also PAID IN FULL. I contacted XXXX about the problem and they admitted that it was an error when reporting the accounts and that they would fix it. However, it has been on my credit for a couple of months and has not been resolved.
Product: Debt collection

I have a debt collection from XXXX XXXX for my daughter 's XXXX work. XXXX XXXX 's written materials and verbal communications state that they will bill insurance. I provided that information on more than one occasion and was told they couldn't verify. This includes a generic email that I received on XX/XX/2022. Last year, both general dentists and my son 's oral surgeon verified and submitted claims to my employer -based XXXX XXXX XXXX XXXX XXXX plan, which includes XXXX  coverage, without any issues. Those providers also received payment. Additionally, I gave XXXX Direct my health FSA card for any costs while they were figuring out my insurance, and they never updated my payment method. Instead, they continued to charge the original debit card. Now, XXXX XXXX added fees and sent me to collections requesting payment in full, but we did not receive services and products in full. Without the final services and XXXX my daughter 's teeth moved back to exactly where they were when we first started. I filed a dispute with the credit bureau, and they just asked the collections company to send me a copy of the original contract. They never addressed my actual dispute. I reached out to the collections company XXXX, and even though they are now aware that this was sent to them inappropriately, they said they " couldn't '' do anything and referred me back to XXXX XXXX. I then called XXXX XXXX who would not connect me to the collections department, questioned me about why I hadn't called them to keep updating my payment card since they often have " systems issues '' and finally agreed to escalate my call to their collections department internally and some one would get back to me. As I told her, XXXX XXXX is a scam, looking for cash, not rendering the services and products in full, tacking on fees or getting write offs by working with some unethical collections company. I'm also very disappointed that credit bureaus are not required to actually follow-up on disputes, but, rather are permitted to just have the company that is being accused of reporting inappropriately to send a generic letter. Apparently, that generic letter was accepted as proof that I owe this bill without thought it question.
Product: Debt collection

I spoke to the person who called me and I told him that I just had XXXX and I have been out of work for 15 months due to an injury that occurred at work. I promised to start making payments as soon as I return to work.
Product: Mortgage

In late XX/XX/XXXX, I received my first notice from Bank of America informing me that my mortgage account was delinquent and that I needed to make full payment by XX/XX/XXXX. However, I had been in XXXX  XXXX with my family from XXXX until the XXXX XXXX and did not see the letter until my return. Prior to this notice, I had not received any phone calls, emails, or letters informing me that there was a problem with my mortgage. When I called for clarification, I was told that my contact information had been entered incorrectly in their system, and my mail was being sent to an old address despite multiple updates. 

I had been placed on a forbearance plan due to financial hardship after being scammed, which left me temporarily unable to meet payments. I was informed that with a forbearance plan, it was a chance for me to collect the missed payments and have them sent to the bank at once. So I did. I gathered all the money I could and transferred it into an XXXX account, expecting to withdraw it once the amount was complete. Unbeknownst to me, when the time came to withdraw the funds, there was a required waiting period of XXXX to XXXX business days. As soon as I discovered this, I called Bank of America immediately on XX/XX/XXXX, to resolve the issue. I spoke to the representative for over two hours, explained everything, and was assured that this would be fine. 

The representative acknowledged the situation, told me we could not complete the financial interview without confirming my monthly income, and that I could follow up once I received my first paycheck. I was not told that foreclosure was pending or that any other immediate steps were required. 

On XX/XX/XXXX, once my funds had cleared, I called to complete the process and submit payment. I was told that my loan had already been transferred to a foreclosure attorney on XX/XX/XXXX. I was then instructed to apply for a special forbearance, which I did, only to be told I was ineligible because the foreclosure process had already begun. The representative who advised me to apply should have known I could not qualify. This was misleading and caused additional harm. 

Throughout this process, I attempted to escalate the issue multiple times but was met with indifference and unhelpful responses. Staff members told me, theyre going to tell you the same thing, and that there was nothing that could be done, even if the prior representative gave me inaccurate or incomplete information. I was actively working to resolve the situation in good faith, yet Bank of America moved forward with foreclosure without honoring our previous discussions. I would have extended the forebearance had this been communicated to me and it was not. I believe this may violate 12 CFR 1024.41, which protects borrowers pursuing loss mitigation. 

I am submitting this complaint to request CFPB 's intervention in helping reverse this foreclosure, reinstate the loan, and require Bank of America to acknowledge and correct its servicing errors.
Product: Money transfer, virtual currency, or money service

At XXXX EST on XXXX XXXX, 2017, Coinbase initiated a transfer of XXXX Litecoin, worth over {$4000.00} USD, to their exchange platform GDAX. They claim that these transfers are instant, yet I 've been waiting almost four days and the transfer is still " pending '' and I have no access to my currency. Support has not responded to my complaints, and I 'm seeing many other people on social media complaining about the exact same problem who have also not heard from support. My support case number is # XXXX and the transfer ID of the transfer in question is XXXX
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 168b permissible purposes of consumer reports. 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 person knows or has reasonable cause to believe that the information is inaccurate. 

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  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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 person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate