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

I received the ppp loan in my account XX/XX/2021, and Citibank froze my account. I was required to and 4 questions about my loan and which I did correctly. I also offered to send in documentation. I never heard anything back until I contacted them the following Wednesday. I had to call 5 times to get help. They then asked me to send in documents. They companies customers service is terrible. Why should my money be held when I already had to be verified three times to get it. They also dont allow you to speak with fraud department. A bank shouldnt be allowed to freeze someone account this long especially when the money is legit. I even gave them my sba loan number. This is a loan under my social and I have to pay it back, not my bank and I dont even have access to the money.
Product: Money transfer, virtual currency, or money service

My issue is with XXXX  They suspended my account permanently said something about violating a reviews or agreement. I did not violate anything. They will not release my funds. They will not tell me why it's closed. Or are suspended every time I contact support. They tell me they can't tell me anything else. And they will escalate it to a supervisor but the supervisor doesn't give me the reason why it just tells it just sends the email saying that my funds will be held up to a 180 days. This is not. 
Right? XXXX XXXX it on the internet and this is happening to a lot of people. I did not do anything. I receive money from a XXXX XXXX XXXX XXXXXXXX. And I barely even use it. I don't understand why they are doing us.
Product: Student loan

I contacted Navient by phone on XX/XX/XXXX to switch the bank account from which my automatic payment is deducted. The company informed me that the only way to do this is to cancel autopay from the old account and then re-enroll with a new account -- their system would not allow a customer to simply substitute a different account. The customer service representative informed me that I would not lose the 0.25 % interest rate reduction that comes with auto pay if I cancelled and renrolled. I then canceled the old account and immediately re-enrolled in autopay with the new account. I did this 21 days before my next payment was scheduled to be deducted. 

On XX/XX/XXXX, I viewed my online account and Iwas still not re-enrolled in auto pay for that month 's payment, which was scheduled for XX/XX/XXXX. In fact, my online account showed that I would not be in autopay until the following month 's payment on XX/XX/XXXX - seven weeks after I simply tried to switch the bank account from which my auto payment would be deducted. In addition, Navient removed the 0.25 % interest rate reduction from my account so I am now being charged a higher interest rate and there is nothing I can do about it ( see the attached billing statements showing the increase from 4.5 % to 4.75 % ). I called Navient and asked the company immediately make sure I was in auto payment and to give me the interest rate reduction that comes with auto payment, but they refused. The company said they would reduce the interest rate when I was fully back in auto pay, but that could take another 5-7 business days - which would be over two weeks since I simply attempted to change the bank account my auto pay comes out of. It is unfair to charge me the extra 0.25 % interest for this period. Presumably this is happening across Navient 's servicing portfolio, and the company is earning this inflated interest rate on any customer who wants to switch bank accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report for the account listed above, as shown in the most recent report from TransUnion.
Product: Mortgage

Back in XX/XX/XXXX my wife and I divorced from that time until XX/XX/XXXX I tried to get a loan modification with Wells Fargo I would make partial payments to them which they accepted and took all paper work they requested to them here in XXXX, Or. so that it could be and was faxed to there main office. They never could fined my paper work back in XX/XX/XXXX/ to XX/XX/XXXX I was advised by an mortgage attorney that Wells Fargo wasn't going to work with me to get a loan modification that they would just Foreclose on me. I was advised to short sale my home to save my credit for which I did about a month later after the sale of my home The Federal Gov. stepped in and made all the Banks & Mortgage company 's work with the people. Not until resonantly did the Gov order Wells Fargo to make good on all the Loan Modification that were applied for. They just told me on XX/XX/XXXX after allot of phone tag that they found my paper work and that I was denied back in XX/XX/XXXX do to my income, But back then they could never fined my paper work It is because I filed with O C C now O C C asked me to file with you I've been in contact at Wells Fargo with XXXX XXXX at XXXX extension XXXX She is also giving me the run around and letting me know she call me back around the XX/XX/XXXX In the mean time O C C asked me to contact you people and continue the complaint. Wells Fargo owe 's me the XXXX that the Gov ordered them to pay people who tried to to get a Loan Modification but there paper work always got lost Wells Fargo like 's to play game 's at the Public 's exspence. I would still be in my home at XXXX XXXX XXXX XXXX Or. had they not played games with me and allot of others My case # with O C C on Wells Fargo is XXXX I will call this XXXX XXXX and let her know I have filed with you. I have had several people glad to see someone like me to follow up on this matter. Thank You
Product: Credit card

On XX/XX/, I purchased tickets through XXXX XXXX website for {$1000.00} charged to my Chase XXXX credit card. 

Chase declined the charge and sent me an text message to confirm if the charge was legitimate or not. It took me only seconds to confirm it was me by responding to the text that I had made the charge. 

However, on the back end, even before allowing me an opportunity to respond, Chase had already denied the charge. 

I called XXXX XXXX immediately. My reservation, even though, I had already chosen my seats did not exist. XXXX refused to honor my previous price, stating their prices are subject to change : blah, blah, blah and let me know I would need to use a different credit card. 

I immediately purchased the same ( exact ) tickets, using the same credit card. Now, they were {$58.00} dollars higher. The charge to XXXX XXXX XXXXXXXX XXXX XXXX for {$1100.00} is shown on my credit card statement. This is the same vendor that was denied for the {$1000.00} charge. Oddly enough, the original charge that was declined does not show on my credit card at all. 

I reached out to Chase, and they refused to refund the {$58.00} difference. 

Although I appreciate Chase trying to reduce credit card fraud, this is a huge disservice to their customers. I should not be penalized for what they " thought '' was fraud. Chase thought it was fraud and was wrong. It wasn't. They should be responsible for the {$58.00} difference. 

Chase ( and any other companies ) should have to come up with a different policy. Why not give me a moment or two to respond to the text? Why not allow the vendor ( XXXX ) to re-run the credit card in a few minutes? Why not follow-up by an automated phone call, if the customer does not respond to the text/email messages? 

This could have been much worse. In addition to the {$58.00}, when I rebooked, XXXX had not released my seats yet, so I lost the better seats that cost the same price as it was. However, I could have lost the seats altogether if the plane had almost been completely booked, or it could have cost me hundreds for the same tickets. Also, on XXXX 's side, it looked like the reservation went through. If I had not saw a follow-up text from Chase and not realized I didn't get the confirmation email from XXXX, I could have thought I had tickets when I didn't. 

We need to do better. I think there is some easier ways to reduce fraud without at the same time risking to penalize the customer. When I reached out to Chase for a refund, their response was basically this was an abnormal charge for me. Actually, it is not. I just opened this line of credit in XX/XX/, so how would they know whether it is an abnormal charge or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US BUS ADMIN ODA , 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
Product: Credit card

My card with Continental Finance was compromised about a year and a half ago, and the issue had been cleared up. About six months later my card was charged again by the same company from the first time. I was told when I called that the fraud department would be sending me an affidavit, and I told the company I also needed a copy of my bill ( I could not log on the website to see which charges were mine and which were fraud ). I called them back weeks later to report that nothing ever showed up, and they said they would resend it. By the third phone call, I asked for the dates they sent these documents, and apparently " that information was not in my account. '' I asked them to once again send both the affidavit and the bill. While waiting again for them to send this information, I learned that they had sold off my account to a collection agency when I got a call from a lawyer representing the agency. I immediately called Continental Finance and talked to a supervisor ( XXXX, I believe ) who proceeded to tell me that they " should not have sold the account off because there was fraud on the account. '' He said he was going to email the collection agency to " get it back. '' Another month went by and I heard nothing. I called again and was told that the company had not responded and that they ( Continental Finance ) will send another email. I asked them to carbon copy me on any email that goes out and was told they can not do that. I also asked for the collection agency 's phone number and was told I could not be given that information, either. I waited another few day but still nothing, but I did get a " final call '' from the 3rd party lawyer. I told lawyer 's representative that I was still trying to work out the fraud issue with Continental Finance and was told there is nothing about fraud recorded on my account. I asked her to tell me what the email correspondence from the credit card company to the collection agency said, and I was told " there has been no correspondence '' from the company at all. I am filing this complaint because it is clear Continental Finance has no interest in resolving this situation and has done none of the work they claimed to be doing to help me make informed choices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the number thats been reported on my credit report for conns and no longer have the account I was told they sent me to a automated collection company I told them before anything send me debt verification letter what I got wasnt a debt verification letter it actually have the XXXX balance and told conns it was a XXXX balance I have reported this to the XXXX  and done a FTC report the law states if you request debt verification and dont get it in timely manner that states require you have to delete
Product: Credit reporting, credit repair services, 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 name : XXXXXXXX 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 XXXXXXXX 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: Debt or credit management

Urgent Request for FTC Investigation and Resolution of Account Mismanagement and Communication Failures To : JG Wentworth Customer Service CC : Federal Trade Commission ( FTC ) Consumer Response Center Dear JG Wentworth Support Team, I am reaching out to request immediate attention regarding my XXXX XXXX XXXX XXXX  account ending in XXXX XXXX XXXX XXXX  reference number XXXXAccording to the JG Wentworth Negotiator this account was reportedly transferred to XXXX XXXX XXXX, but I have confirmed with representatives from both XXXX XXXX XXXX  and XXXX that no transfer has occurred. The misinformation regarding this transfer has led to substantial delays in my financial dealings with JG Wentworth, resulting in unnecessary complications and financial uncertainty. 

Despite numerous attempts to resolve this issue and multiple requests to escalate my concern to a manager, JG Wentworth has failed to provide an escalation pathway or connect me with a Manager. The lack of responsiveness and failure to address this situation adequately is preventing me from moving forward with my financial arrangements and contractual obligations. I have spoken to a Supervisor that indicated that the negotiator was told by XXXX XXXX XXXX  that this account was transferred to XXXX which is completlty false. I am now wasting my time to do what a JG Wentworth negotiator should be doing. 

I am therefore requesting : 1. **Immediate Escalation and Response** from JG Wentworth. Please arrange for a manager to contact me directly to provide clear information on how this issue will be resolved.

2. **FTC Investigation into Potential Mismanagement and Communication Failures** by XXXX XXXX XXXX  and JG Wentworth. The FTCs oversight is critical here, as the ongoing delays and lack of transparency may indicate non-compliance with consumer protection standards. This could involve breaches in fiduciary duty and potential violations of the Federal Trade Commission Act, which requires accurate communication and due diligence from financial institutions and service providers. 

Please acknowledge receipt of this message and have a manager contact me at your earliest convenience to discuss steps toward resolution. I am including the FTC in this correspondence to ensure proper regulatory oversight and to pursue a review of both XXXX XXXX XXXX  and JG Wentworths handling of this matter. 

Thank you for your prompt attention to this urgent concern.
Product: Debt collection

On XX/XX/XXXX I contacted Continental credit control account number XXXX ( on credit report ) to request for them to remove the collection that shows on all my credit reports the amount being reported is {$480.00} for medical. I spoke with a XXXX XXXX and I asked for them to remove/delete item from all my credit reports advising them that its pasted the California law for statute of limitations as it has been over 4 years ( has been since XXXX ). Miss XXXX at that point informed me that she would do no such thing because they are not obligated to do this and that this limitation does not apply to them! She told me that they could still collect no matter what the statue of limitations is, but they can collect from me as long as they want. XXXX XXXX was very rude and unprofessional and demanded for me to pay if I wanted to get it taken off of my credit report. The California law needs to be in-forced for Continental Credit Control and to be accountable for their lack of negligence. 
I have also disputed with XXXX report number XXXX and XXXX dispute # XXXX they rejected both request to remove and stated was accurate which is incorrect due to the time period as the balance maybe correct but the negative medical credit report time frame is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I initiated a dispute with Experian because my XXXX Bank  Mortgage account, because it had been erroneously reported 30 days late for the month of XX/XX/XXXX. Experian subsequently corrected the account status for XX/XX/XXXX, but changed my account history for the months of XX/XX/XXXX thru XX/XX/XXXX to late from 60 up to 180 days past due which is erroneous reporting. 

To corrected this : ( 1 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 2 ) XX/XX/XXXX, I initiated an online dispute through Experian 's website stating that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours saying my account status was " updated '' but it was not corrected. 

( 3 ) XX/XX/XXXX, I initiated a dispute by calling Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. Experian provided dispute results within 24 hours via there website saying my account status was " updated '' but it was not corrected. 

( 4 ) XX/XX/XXXX, I mailed via certified letter ( I will attach copy ) a dispute to Experian and I stated that they were reporting my XXXX account incorrectly and I had never been late on this account. On XX/XX/XXXX, Experian provided dispute results via there website saying my account status was " updated '' but it was not corrected. 
I tried to initiated another online dispute on XX/XX/XXXX but the website would not allow it because it has been disputed before. 
Not only is Experian reporting incorrectly, I'm positive that they never did a proper investigation.
Product: Debt collection

My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Improper use of my report, and my private information being divulged without consent due to Equifax 's failure to protect my private information, putting me at risk for identity theft. The company discovered this problem months ago and failed to notify me in a timely manner that they had a data breach where my information was stolen increasing possible damages to my financial stability.
Product: Debt collection

Between XX/XX/XXXX to XX/XX/XXXX, my son saw a pediatrician. My son had a bill from this XXXX XXXX XXXX from his last visit in XX/XX/XXXX. The billing department of the XXXX XXXX had the wrong information on file which we had tried to correct several times. The information they had wrong was the patient 's date of birth, XXXX, and insurance information. As stated above, multiple calls during XXXX and XXXX were placed which aimed to correct this information particularly the insurance information. However, the information was never changed and the balance was sent to collections without notice. 

Collections had failed to contact me within 30 days and has used intimidation tactics, withheld information, provided false information about the debt, and failed to deliver requested documents. Both the XXXX XXXX and collection agency will refer me to each other and refuse to help me figure out and settle the debt. The collection agency has also pulled the credit after I told them I had disputed the validity of the debt. Lastly, documentation related to this incident including medical records were withheld by the XXXX XXXX and from the collection agency as well.
Product: Checking or savings account

Chase is the bank I will no longer bank with. 

On XX/XX/XXXX I had a negative charge of XXXX and I deposited {$10.00} to make it positive. 

I awoke to find out my bank account is negative XXXX. This is because of two overdraft charges that should n't be because I took care of it {$34.00} each one for XXXX which was the negative charge and the other was XXXX XXXX which was taken care of because I originally had them stick to their XXXX when I paid a {$30.00} stop payment on XXXX XXXX. 

Now I have this charge when I paid a {$30.00} stop payment and I covered the negative {$9.00} something. 

Please take care of this as I have never had a problem like this in which I wake up to this disaster. I am so upset that I woke up to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2018, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX XXXX received my letter certified mail on XX/XX/2018. They replied on XX/XX/2018 with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.