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

In XX/XX/2019 I opened new checking and savings accounts with Citibank. I then transferred {$15000.00} to these accounts and set up direct deposit of my job salary into the Citibank checking account. I also established web access to the account portfolio. Soon I received the checkbook from Citibank via US mail. 

On XX/XX/XXXX, to pay federal and Illinois taxes, I wrote two checks from my Citibank checking account : check # XXXX in the amount of {$1200.00} to Illinois Department of Revenue and check # XXXX in the amount of {$3900.00} to IRS. 

By Thursday XX/XX/2019 by going through the Citibank web portal, I saw that both checks have arrived to the bank, were in the " clearing '' status momentarily, but very soon both checks vanished from the portal view. I called Citibank where CSR told me that both check were " recalled '' by senders. He could not elaborate what this meant so I asked to talk to a supervisor. Supervisor XXXX (? ) assured me that both checks were being cleared as a part of a normal processing and advised to check back after the weekend. 

After the weekend nothing has changed and I went to a physical XXXX location for answers. There I was advised that my checks would not be honored because of the Citibank policy that " the first two checks on the new accounts are not honored until the account holder calls in ''. 

In conclusion, Citibank broke its fiduciary duty by refusing to clear checks while the account had more than sufficient funds and in good standing Citibank failed to notify me of an apparent and obscure policy that I needed to call in before using the checks Citibank never made an effort to contact me when it received the checks, despite being in possession of all my contact information, including the Secure mailbox on their web portal. They just quietly dishonored the perfectly valid checks. 
Citibank 's phone reps gave me conflicting and erroneous information about the status of the checks As a result I incurred substantial penalties from the IRS and Illinois Dept. of Revenue ; spent  numerous hours resolving the issue and still facing the consequences of Citibank 's misdeed.
Product: Mortgage

On XX/XX/2020 I received a notice that I did not have proof of insurance. I then submitted proof that I had insurance, but they force placed insurance for the time that I was unable to prove. They stated that I signed a document that they still have failed to show me where I signed for this. Select Portfolio Sevicing sent me a notice and an amount of XXXX for insurance that was back dated. They charged my account XXXX. How is a company allowed to charge for insurance on dates that have already past with no claims? Also, I have paid out of pocket for claims that I could have submitted. In conclusion, I am still waiting for my proof of signature that would even allow to back date insurance. 
If this is legal, then I would like to take out life insurance on family that past away!
Product: Checking or savings account

I am planning on contacting the bank on Tuesday. However, when I was downloading my 1099-int form, I had two of them. One was mine, and the other was for a person I have never had contact with. I had their bank account information along with their name and address and the last four of their SSN. I had their entire 1099-int information. This is concerning to me because if I have this person 's information, someone else might have my information and that is a risk for me.
Product: Credit card

I was approved for a capital one credit card XX/XX/XXXX. As soon as I received the card, I paid a few medical bills off with it and not even 2 days later, Capital One decided to close the card. They were not willing to open the account back up and I 'm unsure as to why the card was even closed. I asked them what my balance was so I could pay the card off since I was not able to use it anymore and they told me I had no balance. I explained that I had used the card for a few of my medical bills and they continued to tell me there was no balance. I waited a few days then called the back to make a payment and they contined to tell me there was no balance that needed to be paid. I did this several times and eventually gave up because they continued to tell me there was no balance. Suddenly XX/XX/XXXX, I received the first statement ever and it was in red stating I was 120 days past due and the card needed to be paid immediately. Of course I called and made the payment in full and asked why I had never received a statement before and why there was no balance the multiple times I tried calling to pay. Also the balance was paid in full then and still on my credit report they are showing a {$2.00} balance as of XXXX/XXXX/XXXX. Why approve me for a credit card if your going to close it 2 days later? Then tell me there is no balance and I know there was and not take my payment. This is tramatically impacting my credit score due to the late payments reporting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

Was successfully paying medical debts to hospital. I then suffered a temporary XXXX XXXX. I contacted the hospital to request a payment deferral which was verbally approved by hospital. My next contact were from a debt collection agency on multiple separate accounts associated with hospital all of which had previously been consolidated into a single original payment plan with the hospital. I disputed the amount owed and asked for a full accounting of all charges and payments previously made so that I could reconcile and confirm the amounts claimed I owed. The debt collector never responded to this request but is now reporting all of these separate accounts to credit bureaus. My letters sent via certified, first-class, USPS mail are attached herein.
Product: Mortgage

Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. 
They have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. 
We have asked them for original documents and they can not provide them. 
They always send some form of excuse. I am tired of every year they are always increasing our payment. 
They keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, I opened an account with OKCoin. 

Two out Four deposits were rejected by OKCOIN or the bank for identity concerns. 

I submitted all documentation to OKCoin customer service. 

I was then notified about the deposit issue so I offered to re-deposit funds. 

I didnt hear for customer service until mid XXXX asking me to deposit funds, however my account was never restored to deposit funds. 

The funds have since been taken out of the account however I still have my own personal funds that are not accessible because my account has been suspended for several weeks. 

My account is illegally suspend for no reason at this point if the deposit funds have been recovered and all identify information has been cleared on my end. 

There should be no excuses and my account fully restored. 

My next step is to contact the states attorney general for the lost funds and damages not being able to withdraw my own funds and XXXX.
Product: Credit reporting or other personal consumer reports

I found a fraudulent hard inquiry on my Transunion Credit file Credit Inquiry name : XXXX XXXX Date of inquiry : XXXX Please remove this from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!!
Product: Student loan

I had studen loan from ed financial. When XXXX announced that he will forgive student loan. I contact to my borrower and then I asked the refund so I did got my refund but after that I was accuring the interest which is {$140.00} $ on top on myloan amount. And when my loan was on grace period or inwas in school i was paying my loan on time just to avoid accuring interest. after that I contacted them I told them why I am accruing interest when my loan was on pause and they were told me that this is the interest on my loan. After than I paid my full amount like the all loan I paid .and then after that, I asked them like I feel like there was a mistake from your side and then the interest which I paid which is around {$140.00}. I want my money back and then after like month or two months I receive an email that my amount which is {$140.00} is refunded. I am checking my emails every day. I am checking my bank account every day I have not received any refund on the amount of one {$140.00} and now I am so stressed out.
Product: Debt collection

I own this company I already talk about this but the keep calling my employee r and disclosing my information.
Product: Money transfer, virtual currency, or money service

I Purchased a baby kitten on XXXX for {$300.00} got her on Saturday and she was dead Tuesday morning after taking her to the emergency hospital in XXXX XXXX which cost me {$740.00} in vet services she had infections throughout her whole body and couldnt fight it any longer before you look for a pet dont look on XXXX they used to be honest that they arent any longer both animal control and the emergency vet hospital wore me against ever purchasing or Or getting another animal on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

Exeter finance has continued to refuse to provide me with copies of my billing statements for the XXXX XXXX XXXX my mother and I are financing through them. They provided one copy of one statement per my last complaint against them but have still refused to mail me my actual billing statement. My mother and I have different addresses and I am not getting anything from Exeter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, you have a right to have it removed. To do so, you can start a dispute with each one of the credit bureaus, XXXX, Experian, and XXXX. After briefly going over my consumer report I found that the listed is reporting inaccurate information to the credit bureaus which is severely impacting my credit score. The furnisher also called multiple times and harassed me even after letting the services know I am XXXX and need assistance and a payment plan I was told no and there was nothing they could do. From the store, the clerk told me one amount, and then after reviewing the paperwork the company is charging almost 3 x times the amount I was told. Under these false pretenses, I am upset with the way this was handled. Under the law, the creditor can not or shouldn't do the following ..Calls before XXXX a.m. or after XXXX p.m. unless the collector knows such times are more convenient for the debtor " Unfair or unconscionable means to collect or attempt to collect a debt '' .Any conduct to harass, oppress, or abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian you stated I need to contact my attorney general to get laws well open your wallet now Experian you have committed fraud I NEVER GAVE YOU OR XXXX XXXX  permission to verify anything READ THE LAWS ENCLOSED I an the original creditor and have full authority over any account READ THE LAW 15U.S.C.1602 { l } Also XXXX XXXX committed fraud by releasing any information with out my written permission 15U.S.c.1692 { b } I Never gave any, AGAIN REMOVE THE ACCOUNTS FROM XXXX XXXX AT ONCE FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to lodge a formal complaint against my former employer, Nations Hearing, and their XXXX plan administrator, ADP. Despite my repeated attempts and eligibility for withdrawal, I am unable to access my XXXX funds due to lack of necessary documentation from my employer as required for the process. 

According to the Employee Retirement Income Security Act ( ERISA ), as an employee, I am entitled to certain rights regarding my pension, retirement, or profit-sharing plans, which include receiving important information about plan features and funding, minimum standards for participation, and a grievance and appeals process to get benefits from the plans. However, my rights under these provisions are being violated as I am being denied access to my funds without just cause. 

ERISA establishes standards to ensure that plan funds are protected and handled in the best interest of the plan members. This includes the responsibility of the plan administrator, in this case, ADP, to act prudently and solely in the interest of the plan participants. My attempts to withdraw my funds have been improperly denied, which I believe constitutes a breach of fiduciary duty as defined under ERISA standards. 

Moreover, the Department of Labor 's Employee Benefits Security Administration ( EBSA ) enforces ERISA regulations and provides guidance for compliance. According to EBSA, plan administrators are obligated to operate the plan prudently and for the exclusive benefit of participants, and failure to follow the terms of the plan is a violation.

I have attempted to resolve this issue directly with both Nations Hearing and ADP without success. Therefore, I am seeking the assistance of the CFPB to intervene on my behalf to ensure that my rights under ERISA are upheld, and to facilitate the release of my 401k funds as per my entitlement. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely,
Product: Mortgage

On XX/XX/XXXX I contacted the B of A because I am trying to refinance my XXXX mortgage and have a lien on my property for XXXX. The Lien is actually in the name of California XXXX XXXX as it was a down payment assistance program. Bank of America has the loan ( Loan # XXXX ) and sends me a statement every month with a XXXX balance. This loan was discharged in a Bankruptcy discharge on XXXX Case # XXXX. On XXXX I asked Bank of America for a lien release on this loan. They told me it was still an active loan, I explained it was discharged in a chapter XXXX BK and asked to speak to a supervisor, they would not let me be transferred and then opened a research case on XX/XX/XXXX told me it would be XXXX days. I called every day to see if there were any notes or resolution which there were none. I called yesterday and XXXX told me there are notes on the loan from the research team but that he did n't understand what they are saying so he opened a case again and told me to call back in XXXX hrs. I have not received any phone calls from the research team or any letters. I now have XXXX business days to complete my refi.
Product: Credit reporting or other personal consumer reports

Hello, unauthorized credit check was done on my credit report on XX/XX/2024 from Global LendingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If you believe that was done by error please removed this from my credit report. Thank you
Product: Money transfer, virtual currency, or money service

I sent an amount of {$300.00} to XXXX on XXXX of XX/XX/2020, through Ria money but the person hasn't gotten it but shows that the recipient has received it, I called them but they are refusing to resolve the problem. I did the transfer into the recipient bank account
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX this is not a 3 rd party and I am a XXXX person. I have notice that XXXX, EQUIFAX and XXXX are reporting Inaccurate, Fraudulent, and incomplete accounts on my consumer report. This is a violation of the FCRA and I demand these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

fcra and ftc violations,15 u.s code 1681 e ( b ) -accuracy of report, 15 u.s code 1681 i- investigations,15 u.s code 1681 i ( 5 ) ( a ) ( i ) - account deletion, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} 15 u.s code 1681 e ( b ) -accuracy of report 15 u.s code 1681 i- investigations these addresses are not mine 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX  : XXXX Dept of Education : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Inquiries : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items
Product: Credit reporting or other personal consumer reports

An incorrect, negative credit report complaint was filed on XXXX. PNC Bank reported my account as 30 days late. Payment was made and account is current. Complaint has not been corrected. On XX/XX/2024, PNC Bank reported the same account again as 60 days late. Again payment was made before 30 day late date, and account is current. PNC has a history of incorrect reporting. PNC is a fraud and continuous to disrespect their customers with incorrect credit reporting. Online account shows account as current. Bank statement shows both payments have cleared. Next step is filing a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX