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

I opened an account with Citibank around XX/XX/XXXX, funding {$74000.00} from my XXXX account. On XX/XX/XXXX, I decided I wanted to move {$10000.00} back to my XXXX account and initiated this request on Citi.com website. At this point, my account was flagged and locked. The next day ( XX/XX/XXXX ), I was informed that my account would be closed and they would send me a check in the mail within 60 days. 

I would really like them to reinstate the account, or at a minimum allow me to get back my {$74000.00} wired into my original XXXX account. I find their action to close the account without warning or reasonable cause crazy! I find their action to hold my money for 60 days without interest crazy! I had intended this to be a kind of emergency fund and did not realize that withdrawing my own money to another of my bank accounts would be considered a breach of contract! 

I really need some help. I am worried that I won't be able to get my money.
Product: Checking or savings account

Citibank closed my checking account in XX/XX/year> due to fraudulent activity on the account. Since the account has been closed, I no longer have access to the checking account or any activity on the account. However, Citibank left the line of credit associated with the checking account open. I received a call from Citibank in XXXX of 2023 saying that I owed {$45.00} related to the line of credit account, even though I did not know what this amount referred to, I paid the balance. Despite paying this balance, Citibank has continued charging fees on this line of credit account. I have called Citibank on multiple occasions to try to resolve this only to be transferred to multiple agents with no one able to address this situation. As of today, the line of credit on the closed checking account is showing XXXX {$160.00} due which is related to monthly late fees on basically a closed account. No one at Citibank has been able to resolve this situation. I receive calls from the Citibank collections team on a regular basis asking that I pay this amount but no one from Citibank is able to tell me why I owe this amount and what it is related to.
Product: Student loan

XX/XX/XXXX I send a letter to Naviet requesting all original documents signed by myself of my orginal loan with XXXX XXXX. A lady emailed me some papers with no original signed documents XX/XX/XXXX. The docments are not signed by me and the look fake and made up. In XX/XX/XXXX I lost my job and became XXXX. I called XXXX XXXX informed them they said I 'm ok for 12 months abd not to worry. They sold my loan with informing me. I ended up with somehow Naviet being my loan company and they charged me double the amout of my loan. My loan was for {$3700.00}. So far I 've paid {$3500.00}. I explain this to Naviet in my letter. They say I owe {$7200.00}, yet I 've paid {$3500.00}. If you look up my loan online it say I owe {$8400.00}. My loan is actually increasing. And I 've been making payments since XX/XX/XXXX. Their not providing any real documents, I never signed anything with them or anyone but XXXX XXXX. My balance should be {$190.00} with a couple of late fees. I 've sent multiple emails back requesting all documents from them and XXXX XXXX and the do n't respond. I 've called and even left messages with the lady assigned to me. I 've attempted to find my old loan the got from XXXX XXXX XXXX passed on by XXXX XXXX and they changed names and do n't have no documents.
Product: Credit reporting or other personal consumer reports

iv been the victim of identity theft, 2 data breaches my information was compromised
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 1681 section 602 A - States I have the right to privacy.

15 U.S.C. 1681 section 604 A - States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Called Perdue Brandon Fielder Collins & Mott LLP and tried to change my address so that they stop mailing letters to my old address and annoying those tenants. They can't find me in their system and they refuse to help me. I couldn't even pay the debt if I wanted to because they can't look me up. They've been mailing me letters for 20 years now for a trumped-up ticket in XXXX XXXX that I've tried unsuccessfully to settle multiple times. Stop harassing me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with HSBC # XXXX is showing as derogatory Information but marked PAYS AS AGREES. They need to prove to me there was late payments and when!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$11000.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXXBalance Owed : {$6200.00}, XXXX XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX XXXX XXXX to a {$0.00} balance. XXXX XXXX then charged off my card, and didn't send me any documents showing the {$0.00} balance. The account was then marked closed on all three credit bureaus. However, months later I begin receiving mail statements showing an outrageous {$1800.00} bill on the same card, with charges from a card that was supposed to have {$0.00} credit for available credit, on a {$600.00} credit limit. I also had two different collection companies inquiring about the same card at the same time ; one which has since disappeared. When I contacted XXXX XXXX, they act as if they have no record of final payment, saying payment was rejected. I did in fact attempt to make several payments from two different banks until one went through ( bank statement attached ). I also paid off my other credit card with them, which had a {$1000.00} credit limit, at the same time. I also, received a letter in the mail stating that both credit card accounts had " unusual behavior '' on it. Then I noticed that an {$1800.00} balance was added to the closed account ending in XXXX on my credit bureau accounts. How is this possible, unless someone is committing fraud, and my information has been compromised. I brought this to CFPB 's attention, and it was quickly dismissed without being looked into. I also requested that each credit bureau go through filings for this account and find that the balance was {$0.00} and account was closed, before it miraculously appeared again with a false {$1800.00} balance. The last set of charges are fabricated and balance is incorrect. The last payment made was for {$300.00} because thats all I owed. I do not waste my time, arguing balances that I know I owe ; this one I already paid off. I'm not giving up. 
So, fix it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out the bankruptcy letter to XXXX and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it
Product: Credit card or prepaid card

My wife and I booked a trip package including round trip first class rail transportation from XXXX XXXX, MN, to XXXX XXXX XXXX in Montana, three nights lodging, selected meals, and two tours with XXXX XXXX in XXXX and paid a deposit of {$750.00} on XX/XX/XXXX to XXXX XXXX. The amount of the deposit is what I am seeking through this letter. 

The trip we booked was deferred until XX/XX/XXXX because of COVID restrictions. We paid for the trip on XX/XX/XXXX, then upgraded our rail accommodations on XX/XX/XXXX, and paid an additional amount. Refunds for these amounts have been paid and are not included in this request. The {$750.00} deposit has not been refunded and that is what we are seeking through this complaint When we arrived at the train station in XXXX XXXX at XXXX XXXX on XX/XX/XXXX, we were denied boarding because the bedroom we had booked, and paid for, had been sold to other customers. No other sleeping rooms were available and since XXXX XXXX does not have a customer service telephone line to resolve problems encountered by travelers, we had to return to our home in XXXX, IA. 

The amount of our refund is not in question according to two representatives from XXXX XXXX  with whom I have spoken. I have made two attempts to secure the refund from XXXX XXXX  and while I have been promised prompt service by customer relations representatives, the deposit has not been refunded. Hence, I am seeking your assistance for a refund of the deposit. 

Mastercard has denied our claim since it occurred more than two years ago. The outbreak of the COVID virus resulted in the park being closed in the summer of XXXX and as a consequence we had to rebook our trip for XXXX. 

I appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$240.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX BALANCED {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$430.00}
Product: Credit reporting or other personal consumer reports

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting New Jersey FCRA Identity Theft Fraud Laws Dear OPORTUNPROG, I am reaching out to address a grave violation concerning the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under Sections 56:11-34 and 56:11-41, New Jersey 's Identity Theft Prevention Act under N.J.S.A. 56:11-45, and associated statutes. 

It has come to my attention that OPORTUNPROG has engaged in unauthorized reporting to my credit report without procuring my explicit consent. Federal and state laws, including the FCRA and New Jersey 's Identity Theft Prevention Act, unequivocally mandate that consumer consent is a prerequisite for such reporting activities. 

I wish to assert unequivocally that I have not provided consent for OPORTUNPROG to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially causing harm to my creditworthiness and demonstrating a blatant disregard for federal and state laws. 

I demand, without hesitation, that OPORTUNPROG immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by applicable sections of the FCRA and New Jersey state law. Failure to comply within the stipulated timeframe will be construed as willful noncompliance, subject to penalties under the relevant statutes, including New Jersey 's Identity Theft Prevention Act. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New Jersey state law. Compliance with federal and state regulations is non-negotiable and essential for protecting consumers from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect OPORTUNPROG to promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith
Product: Debt collection

My parents have been receiving harassing phone calls from a person who identifies themselves as a XXXX XXXX in XXXX County who claims if I do not contact him he will arrive at my house to serve me papers so I go to court over a debt issue. When I contact the number he left, it is for a company that is going by the name of Alternative Dispute Resolution. I called and spoke with a lady named XXXX who stated she needed my case file and she would have to contact a lawyer. She placed me on hold and then came back on and stated, " I spoke with our attorney and I have the hard copy in from of me. Is your birth date ...? '' I stated that I could not confirm that as I do not give out my personal information over the phone to someone I do not know. She stated that I didn't need to be childish about it. I stated that I was not being childish and that I didn't understand why she needed my birthdate. She stated, " Good luck in court '' and hung up
Product: Debt collection

I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
Product: Money transfer, virtual currency, or money service

I signed up for peer to peer lending through a site called ( solo funds Inc. ) this sight is to lend money or borrow money with interest paid when returned.i then input my bank information and funded the account with {$400.00} so that i can lend money out to those in need. When trying to lend my money to another person on the sight who was in need I was met with a message.The message stated ( Oops!! Solo is temporarily unavailable in your state ). No harm no foul Ill just remove my funds and try back later.when I tried to remove my funds I was told I was unable to unless I lend money out or borrow money from some els and pay a fee .but how can I do that if is unavailable in my state.Ive been going back in forth with fake customer service for 3 weeks now with no help or anyone even telling me when someone will contact me to help me get my money back.and random messages that are pre typed saying they havent forgotten about me.this company is a scam I even tried to leave a review on the site were they have a fake review and you cant leave one .Every name you input they say is. Already taken. I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX Equifax XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18 I Accidentally Missed One of my payments for the first time ever with my Department Card. After realizing the issue and not receiving a bill in the mail, I payed the bill immediately the same day I realized my accident. I have never missed a payment on any card and was refunded a late charge by kohl 's. They were able to refund me a late charge of {$38.00}.
Product: Credit card or prepaid card

On XX/XX/2022 there is an inquiry on my credit report from FNB XXXX I never applied for a credit card with FNB and I want the inquiry removed
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX  XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$460.00}, which exceeds the original credit limit of {$300.00}, showing a utilization rate of 156 % despite the account being listed as charged off. This is both inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX 's status as the creditor. I do not acknowledge this debt and request proof of XXXX XXXX  legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$460.00}, since this account was closed. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Furthermore, the worst payment status is marked as Charge-off, but the payment history reflects inconsistencies that violate FCRA 15 U.S.C. 1681c. These errors should be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account ; Account closed by credit grantor, '' as they are misleading and should be removed as per FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Credit card or prepaid card

Ongoing violation of privacy and online disclosure of NPI information by AVANT CREDIT CARD I had a credit card with Avant. When I received my card, I went online on XXXX to set up a online login. 

There are TWO attachments to this complaint. See the circle in blue of the attachment NO 1. Clicking on that link from XXXX takes you DIRECTLY to the login page where ANOTHER persons email automatically populates ( see 2nd attachment ). I had 8 other people try this from their computers at diffferent locations and all had the same result. 

I called on XXXX to report this to Avant. I provided the email address to the representative who CONFIRMED WITH ME that this was a valid email address and that they do have an account with this person. ( another violation of privacy )., I contacted the person via email and advised her of this. She and I are still in contact via email. She has tried to get them to do something about this. She was told by a manager that " She should find someone who knows about computers so that they can explain to her why that cant happen ''. She too has had friends of hers able to access this information and link from different locations. 

I went online today, XXXX. The direct link is still there. 

We have both cancelled our accounts with Avant. They have been notified by two people now ( maybe more ) of this violation and concern. There clearly is a problem with their software or networking systems. This puts all customers confidential information and safety at risk.

Avant is NOW KNOWINGLY putting this persons identity and security at risk.

They arent acknowledging it and are refusing to do anything about it.

I have since placed credit alerts on my credit report and taken all other steps known to me to protect myself and my identity in the event my information is unknowingly released due to the faulty security practices of AVANT. 


XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 6802 ( a ) ( b ) ( c ), which obligates credit reporting agencies to notify me of negative reporting prior to publication thus allowing me the consumer to protest said publication of my personal affairs. The Fair Credit and Reporting Act sets forth that any information on my consumer report must be verified. Transunion has repeatedly ignored my disputes of their failure to protect my consumer rights by ensuring that the information on my report is verified. I asked XXXX how they varied the information and they said that the bankruptcies were reported by an office inside of the court. I asked what court and I told to hold for 1 - 2 minutes before I was hung up on.I called back, and spoke to a different rep and I asked them how the bankruptcies were verified and I was told that the creditors involved in said filings called Transunion and reported them, so I asked which creditors and they went silent before attempting to rush me off the line. I called back and spoke to another rep and they told too, told me that the court reported the bankruptcies and when I told them that I know that the bankruptcy reporting was not verified because I have direct correspondence with the court 's public records department I was told that there was nothing that they could do. In addition, XXXX has intentionally ignored my FCRA protections and remains in violation of 15 U.S.C 1692 ( c ) ( c ). I even received a response from them stating that they would investigate my dispute and abide by consumer law as well as the FCRA. The truth is that Transunion keep stalling me and trying to direct me to call XXXX. Transunion refuses to take responsibility for their inaccurate and unfair reporting practices thus violating my rights as a consumer. When I called them I spoke to a Transunion rep to whom I explained my FCRA protections and then asked how they verified the bankruptcy reporting on my Transunion consumer report. I was told that they verified the information with XXXX. I then asked how they verify that XXXX is following consumer law and I was told again to call XXXX XXXX. At one point I referenced 15 U.S.C 6802 and the rep cut me off to ask if there was anything else they can help with before ending the call despite my request to speak to a supervisor. The fact is, Transunion has continued to ignore my rights and are now in violation of 18 U.S.C 1028 ( a ) and I need for the CFPB to help protect my rights.
Product: Vehicle loan or lease

I have tryed to tell them need payment moved to a different date in comes due with insurance payment making it hard to keep paid on time and also I have told them I get income once a month low income disiabitly and they will not work with that been fighting with them about this over a year and now late charges and its high interest rate to start with they refuse to work with me and they call my phone every day and all hours I ca n't deal with telling them every time they call XXXX XXXX XXXX is high interest its unreal never again will I have some though them and they refuse to work with a person I been paying for over 3 years now and hope to have it paid off in the next 8 months if they stop adding to it