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

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding : Citizens Bank - Failure to Update Contact Information and Privacy Concerns Date : XX/XX/XXXX Citizens Bank Account ( XXXX ) : XXXX XXXX XXXX XXXX I. Introduction I am filing a complaint against Citizens Bank for their repeated failure to update my contact information and their continued use of an outdated phone number ( XXXX XXXX XXXX ) to contact me regarding my accounts. This practice compromises the privacy of my financial information.

II. Account History I previously held an account with Citizens Bank that was closed in XXXX. The phone number associated with that closed account ( XXXX XXXX XXXX ) is no longer in my possession. 
Since XXXX, I have opened new accounts with Citizens Bank, including checking, savings, and credit card accounts. During the account opening process, I provided Citizens Bank with my current phone number for all communication purposes ( XXXX XXXX XXXX ). 
XXXX. Repeated Issue Despite my efforts to update my contact information and explicitly requesting Citizens Bank to stop using my old telephone number, Citizens Bank representatives have continued to make calls to the outdated telephone number. 
IV. Privacy Concerns On XX/XX/XXXX, Citizens Bank once again attempted to contact me using the old telephone number that is no longer in my possession and should not be associated with any of my accounts I have at Citizens. Citizens attempt to contact me at telephone number that does not belong to me not only causes inconveniences to unrelated strangers but also raises serious privacy concerns. By calling an unauthorized number, Citizens Bank reveals to random people that I have a banking relationship with Citizens Bank. 
V. Relief Requested I request that the CFPB investigate Citizens Bank 's practices regarding outdated contact information and its potential violation of consumer privacy rights. 
Additionally, I request that the CFPB ensure that Citizens Bank : Updates my contact information on all my accounts with my current phone number ( XXXX XXXX XXXX ) Permanently removes the outdated phone number ( XXXX XXXX XXXX ) from their system. 
Implements procedures to prevent future use of outdated contact information. 
I am confident that the CFPB will take appropriate action to address this issue and protect my financial privacy. 
Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX XXXX Account number : XXXX you have this account as closed with a balance of {$10000.00}. but this account is fully paid-off and balance on it should be {$00.00}
Product: Credit card or prepaid card

On XX/XX/2023, I made a couple of withdraws at an XXXX ATM, located inside of an XXXX  gas station ( XXXX XXXX XXXX XXXX. XXXX XXXX, NV XXXX ). The last two withdraws I made were not dispensed to me, both transactions were {$400.00}. I then called the number on the ATM ( XXXX XXXX XXXX ), the agent created two cases for the transactions. The agent then provided me with both case numbers ( XXXX & XXXX ), told me to contact my bank and ask them to file a Regulation E. When I got back into town, I called them that Monday ( XX/XX/2023 ) and they created the disputes and also told me, if they haven't finished their investigation within 10 business days that I could be eligible for a temporary credit while they are investigating. I've called Serve on multiple occasions and they have been telling me to continue wait and keep checking back in. It has been about a month since I've heard anything from them, I haven't even gotten an email. When I called this morning, the agent refused to transfer me to an supervisor/manager, she wouldn't even transfer me to a different agent, and once again they told me I have to continue waiting. This money was my rent money and now I'm not even sure how I am going to make my rent. This has been such a HUGE inconvenience for me. I believe that customers should never get treated the way I've been treated. I just really want all of this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Trans union and XXXX XXXX XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Checking or savings account

Good evening, I have had a horrible experience with Chase bank, I am in the process of filing a law suit. This bank where I opened my business account with has had such horrible customer service and absolutely no customer protection. I have an online e commerce company, the first time Chase locked my account for 7 days that meant no business no sales no incoming payments for 7 days during the heigh of covid 19. Than after repeatedly hounding them down calling 50x with no answer and being hung up on, they tell me if was their fault and than everything would be fine. Than I check my account 3 weeks later, to find out it is restricted again, this time they sent XXXX in sales back to the customer with no notification to me that their was a dispute nothing. Just sent my money back after the customers got their products 3 weeks after the sale.To follow they have decided to close my business account in the middle of the holiday XXXX shopping season. To date if progression and sales were to follow their average trend i have lost around XXXX XXXX dollars in revenue. Worst bank i have ever dealt with, the only time they do anything is if you mention sueing, they XXXX their own customers over with no amends nothing.
Product: Checking or savings account

Dear sir/lady Hereby I want to inform you that I am struggling a lot because Wells Fargo closed my account and did not send my check, as need my money, that branch told me to call a number, and when I called the number that they provided me when I call the number they ask me to go to the branch where I open my account. 
They close my account ~ XXXX XXXX Amount : XXXX $ I appreciate your help and support as this matter affects my life.
Product: Student loan

I have had Student Loans with XXXX that are over XXXX XXXX XXXX. The balance of approx {$23000.00} has not gone down. We received misinformation from XXXX over the years with regard to forbearance or loan reworking that only caused the loan to never go down. 
Interest rate of 8.5 % was exhorbitant and now we learn of the court ruling that XXXX was designated a predatory lender. We never received any notice of a redress action from the CFPB or received any relief or compensation from the {$120.00} XXXX judgement for XXXX 's student lending failures and predatory practices. 

After the ruling, XXXX quickly moved our loan over to a different loan servicer MOHELA with a loan balance of {$23000.00}. Same exhorbitant 8.5 % interest rate. This is the equivilent of XXXX pitching the ball to MOHELA while getting tackled. I am asking for either total loan forgiveness, loan balnce reduction or a reduction in the interest rate down to 0 %, 1 % or 2 %. The XXXX XXXX forgave billions of dollars in student loans, yet I have not seen this loan reduced one penny. 
The MOHELA account number is XXXX
Product: Credit card

Dear Sirs, I became unemployed in 2012 and submitted a claim under a Credit Protector insurance for my Visa and XXXX credit cards issued by Citibank. They covered me under the MasterCard and made the minimum payments. However I was denied coverage under the Visa card. Both cards were covered under the same plan. The balance was much higher under the Visa card. Accordingly I fell into arrears and sought the assistance of a non profit credit consolidation agency. Soon after the CFPB announced the issues with Citibank, I reached out to your office and mentioned my situation. I mentioned that it would only be fair for Citibank to forgive the entire amount ( at the time, {$7500.00} approximately ). Your rep suggested that I should contact Citibank with my request and let your office know if I failed to obtain redress. I contacted Citibank by phone with my request and was denied any forgiveness as I had entered into an arrangement for repayment. 
Had I not entered into such an agreement then my credit would have suffered even more, and my prospects for employment would be close to XXXX. 
I am asking for the CFPB to intervene in this matter to help me get the original balance forgiven without prejudice. You see, I fell into arrears on other bills as I was forced to make minimum payments on the Visa card. My credit score is almost back to its original level, but it would be helpful if I could get rid of the burden of $ XXXX monthly payment to the credit consolidation agency so that I can purchase a home. 
I look forward to your response.
Product: Student loan

My student loans are in the income based repayment status with {$0.00} due each month. The loans were dispersed XXXX months apart from another while still in school. Somehow my student loans are reported to the XXXX credit reporting agencies as being delinquent back in the beginning of repayment when I was covered by a forbearance waiting for approval of my income based repayment plan application. After disputing this for XXXX years, I finally was awarded a dispute victory for XXXX of my student loans but the other loan is claimed to be reported as accurate. My reasons for dispute have not changed in the past five years yet all of a sudden the results changed. The largest that I carry is my student loans. I am unable to get financing for my XXXX that I started just over XXXX years ago due to the only loan that I carry being an adverse status which is incorrectly reported but claimed to be correct. Not sure how this is especially when it 's a federal government student loan so the federal government is the one reporting the information is accurate when it 's inaccurate and preventing me from accessing Capital to grow my XXXX.
Product: Credit card or prepaid card

On XXXX, Chase Bank closed all of my credit card accounts without warning. I called in on Friday XXXX to see what was going on and they said they were opting to close the accounts due to a large spike in spending. They said I could request a secondary review but did not say what that entailed. An agent, " XXXX, from XXXX XXXX XXXX '' later told me outright that they intentionally do not tell customers what that process entails. XXXX was the agent carrying out the secondary review. She cold called me the following Monday on XX/XX/XXXX( mind you, no banking days had passed between dates ) and began asking a series of questions I was unprepared for. She stated in a subjective opinion that she did n't understand my explanations for the increase in spending ( between jobs, just had to pay school tuition, and moved into a new apartment with a larger than desired rental deposit ). I bought gift cards since my roommate accepted them as payment for covering my deposit and rent from time to time. It helped me ease the financial burden, distress, and hardship. XXXX proceeded to state that her decision was final based on " nearly maxed out credit lines '' which had n't had time to pay down. She could n't even see the near {$15000.00} in pending payments to Chase now that I 've been given financial support by my family. This is notable because the crux of the issue was near maxed out credit lines. Not being able to factor in a massive reduction of outstanding credit seems inappropriate. After that, we discussed other reasons she wanted clarification on ( AFTER SHE ALREADY MADE A RUSH DECISION ). She had incorrect info about a credit CONSOLIDATION request which on her and showed as a credit increase request. She had inaccurate information on me funding a bank account with a credit card which she said was a cash advance. She could n't state which exact terms and conditions she was utilizing upon request. Chase had previously deemed me worthy for these credit cards and then predatoraly revoked them. The entire thing felt rushed and it was a tough effort to get straight answers from XXXX. It may not have been her fault, but she was working off of inaccurate information, had n't given me time to rectify or mitigate any of Chase 's worries, and then made a rushed subjective decision without the most up to date information on my credit report. Even further, she stated that she was n't even sure if I could be refunded the Annual Fees for these cards, some of which were no small sum ( {$450.00} ). This is yet another slight to me by Chase. Carrying out a secondary review using the exact same info and being quick to brush aside explanations is not truly a secondary review. In summation, I believe Chase Bank acted in a rushed manner with inaccurate information to close my accounts without warning and to the long term detriment of my financial well being and credit report.
Product: Mortgage

Attached is the letter received  XX/XX/XXXX , dated  XX/XX/XXXX ,  Ditech fo rwarded advising me of ineligibility for their  XXXX  loan modification programs that I applied for.  <P/> In the seventh paragraph they state I am ineligible for their   XXXX   XXXX   XXXX    Proprietary Modification be cause my conbined household debt of {$1300 .00} ( made up of {$910.00} mortgage and {$450.00} interest only HELOC ) is less then the   threshold of 45 % of my total gross monthly income of {$3100.00} thereby deemed affordable. The mortgage expense above is just barely affordable on my fixed income. The HELOC is due to reset in at few months so I included with the mod application an estimate of the new payment to use in determining my eligibility. However, it was not used in the calculation.  Ditech  did not sent me the new reset payment amount until after I applied. The new payment amount of {$850.00} is almost double what I am currently paying.  Ditech used the current payment not the new reset payment ( which they knew all along ) to determine DTI ratio an d ineligibilty.  <P/> Furthermor  e, Ditech has serviced my HELCO for many years and is aware of the loan modification programs for which I was eligible, but they never reached out to me as recommended by the Office of the Comptroller of the Currency ( OCC ).
<P/>
Finally, the second page speaks of submitting {$200.00} as down payment for an appraisal. Why? I have been living their since the end of summer last year (     XXXX   ). My understanding from friends, appraisals have n't been used for modifications only home valuations which cost substantially less.
Product: Credit card or prepaid card

I have a cash card with Wells Fargo Financial. My problem is that the website only allows payments up to {$5000.00} per day. This restriction causes additional interest charges on the amount over {$5000.00} ( in my case at an interest rate of 24.9 % ). This is an unnecessary requirement and I would guess it is solely for the purpose of collecting additional interest.
Product: Debt collection

Hunter and Warfield are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, & XXXX regarding my personal information. There are many variations of my name & addresses. They have refused to update my personal information as requested despite me showing proof of my current address and my only legal name. I requested that any other variation in my name or be deleted immediately. I also requested that my date of birth and SSN be deleted for privacy reasons after being a victim of identity theft. I have also contacted them and requested that the unauthorized inquiries be deleted that arose from identity theft. They refused to delete the inquiries which resulted from identity theft. XXXX, Equifax, & XXXX are in violation of the FCRA by not complying. As a consumer I have a right to privacy. I have contacted them notifying them of the fraudulent activity on my consumer report. These companies have failed me as a consumer and are at this point willfully not complying.

15 U.S. Code 1681- Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer All documents required by law are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called capital one auto finance on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and capital one on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX appliances is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I reference to. My previous CFPB against SageStream LLC. They hand not honored my request for a copy of my consumer reports Nor did they honor my request fur a security freeze. I mail in three request with documentation via certified mail. Any talk about online submission is not applicable to this situation. Therefore my last recourse will be to seek legal remedy. This will serve as notice of pending upcoming litigation I have been asking for. Copy of my consumer report and a freeze on my report with confirmation. Sagestream keeps mentioning credit report and my request has been for consumer reports which I am in entitled to request according to the fair credit reporting act. I have done this via certified mail on three different occasions they reviewed my mailman request they would have known. 

Sagestream is in violation of the FCRA and NJ FCRA I will seek remedy through legal means including damages for willful neglect and financial harm
Product: Credit card or prepaid card

In the week of XX/XX/XXXX, Synchrony Bank lied and said my PayPal MasterCard was compromised after they called me to identify purchases that I made as potential fraud. I verified with them over the phone that these purchases were not fraudulent and were authorized by me personally. Nonetheless, they canceled my card and sent me a new card and expressly told me I did not have an option to keep my old card. The new card they sent me would not automatically link to my PayPal account after it was activated by XX/XX/XXXX, which is the whole point of the card. I now cant access my account statements, see any purchases on my card, or use it to make payments through PayPal. I contacted both PayPal customer service and Synchrony Bank customer service numerous times between XX/XX/XXXX and XX/XX/XXXX and they blatantly lied to me. They each blamed the other company for why it would not link ( neither party took responsibility ). Furthermore, each time I called they would tell me to wait a longer period for it to link. First they told me it would take one day, the next day they told me to wait two days, and the third day they told me to wait three days for it to link automatically ( its been 6 days now and my account wont link ). I also purchased this card because it offers 2 % cashback, but since the card wont link to my PayaPal account I have no way to redeem my cashback rewards for purchases made prior to them issuing me a new card. This means that Synchrony Bank violated the terms of the credit card agreement which is banking fraud. I am not the only customer to experience this, so Synchrony Bank and PayPal need to be held accountable. Furthermore, the new card they gave me expires in XX/XX/XXXX, when my old card expired in XX/XX/XXXX, so they issued me a new PayPal credit card ( without my consent ) that wont link to PayPal and will have to be replaced in less than a year of use compared to 3 years from my old card.