23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation 1 XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed 8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 9. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

The Creditor Service of Morgan reported a collection account on my credit file without giving me a notice of my right to dispute. I have even written to them several times asking for an explanation of the debt they are reporting on my credit report, but they still refuse to respond.
Product: Credit card or prepaid card

The company is charging us for credit card charges that have been posted but not billed instead of crediting those payments to a balance transfer loan as they said they would.
Product: Checking or savings account

Since I've been locked out of my account, it's hard to provide to you actual dates. Here 's my story. I have had a credit card with Citibank for a few years. I kept receiving mailers and emails prompting me to open a checking and savings account with them. One of them said if I opened a savings account with a certain amount of money and kept it open for a certain period of time, I would receive a stipend of, I believe, {$200.00} from Citibank. I opened my account online and it prompted me to also open a checking account. I did that and set up my direct deposit, etc. About 6 weeks later, I transferred {$15000.00} into my savings account and on XX/XX/2022, I received an email stating my accounts were frozen and that they were closing them within 60 days of the date of the letter as I had apparently " violated the terms of my account per the client manual ''. At first, I thought it was a scam. I called Citibank, and they said it was indeed legitimate. No one could tell me what I had supposedly done and said I would receive a letter in the mail explaining everything. I never received any letter in the mail with explanation. Each time I called I was told there would be a letter, never received anything. When they froze my account, they locked me out of being able to even look at anything. So they basically took my money to use for whatever period of time they decide to keep it, with no notice and no reason as to why? I kept calling and their fraud department just kept putting me off. I called again today, to inquire as to when my funds would be returned to me. I as " on hold '' for nearly an hour. I got transferred around, and finally, the last person was with the fraud department and she told me that they couldn't access my account because it was under investigation and that I needed to call back in a week. I asked her why can't anyone at Citibank give me any explanations other than I'll get a letter. She wouldn't answer any questions, and effectively hung up with the " I'm going to terminate this call ''. I was not loud or rude with her, and she still hung up on me. Now I'm at a loss! How can they just take your money with no explanation and treat you like you've done something criminal. Please let me know if there's any additional information you need from me! Thank you!
Product: Checking or savings account

The bank citibank is my bank. I have achecking account that has been open for 7 years now. I have a direct deposit with them for the entire time being setup with them. I have recently had them suspend or temporarily hold my account. They won't say what it is from. They told me I have to verify myself. Through a phone number. They stated the phone number has to be in my name. In order to verify my self I have told them my phone number and others as well because I have had a few different numbers. I told them each and they said not one could meet their verification standards. So they say they sent a letter in 7 to 10 business dasy for the next instructions. This is absurd and ludicrous. I have absolutely no access to my funds and I have had my account taken without any previous warning. So I am left without access to my funds. Right in the middle of a huge transition during my move. I am close to a deadline to move out of my apartment and this happens. I am left with no funds not even for gas in a less impacting situation but for my current very time constringent matter where i need fees paid moving costs my deposit, and not to put in my details but a huge huge deposit and all the the miscellaneous problems that come with moving is just one of the most chaotic inconvenient times this could happen. A bank should not be able to just hault an individual from their funds. I have contacted a lawyer and was told if I wanted to pursue there would be alot of fees accumulated so I wanted to pursue other alternatives first and have this investigated or resolved. Thank you
Product: Consumer Loan

We have been customers of Jarods for several years. Recently, we upgraded my diamond due to a " special '' sale at XXXX On 4 occasions, we were told that the Annual Percentage Rate for this " sale '' was 3 years at 1.25 %. We decided go move forward due to this " special '' rate. Monthly, my fiance questioned the payment due on the statement ... as it did not look correct. Finally, I took a look at the statement, only to see that the 1.25 % is a MONTHLY - NOT ANNUAL Percentage rate. 

I called the customer service and had no luck. Oddly, when at work- I talked about this with my co-workers, and another lady had the EXACT same issue at a different XXXX location.
Product: Credit card

I opened a credit card with Bank of America. At first, they wouldn't allow me to use the credit card, and I couldn't get hold of anyone for three days. I then discovered they wanted me to make a purchase from a physical store to activate the card - a detail they had not mentioned beforehand. 

After making a few furniture purchases, they " restricted '' ( locked ) my card. Their app instructed me to call customer service. When I did, the representative told me it had been too long ( a week ) and I needed to visit a physical location to unlock the account. I expressed how busy I was and that it might take me upwards of a month to do this. The representative insisted that I visit a specific location with a financial consultant to verify my identity and unlock the account. 

Surprisingly, 10 days later I received a notification that my auto payment had been removed from my credit card. A few weeks after my initial call with them, I went to their location. I was then informed that they had closed my credit card as of last week and I needed to speak with a collections department about the current debt on my card. They admitted that they were unsure why my card was locked, suggesting it could have been an error. 

This is a 12 months interest-free credit card, and it appears that they are applying questionable tactics. They never reached out to me proactively, making it difficult for consumers to use their card. Worse, they damage your credit by closing your account and sending your bill to collections. 

I have never missed a payment. My credit rating is excellent, and my debt-to-credit ratio is less than 7 %. 

Why was my account closed? Why didn't they try to reach out to me? Why is the verification process so cumbersome, and why is communication lacking clarity?
Product: Credit reporting or other personal consumer reports

Account Name : THE BUREAUS Account Number : Unknown How are you reporting that this has been opened since XX/XX/year>? Thats impossible delete. 

YOU ARE IN VIOLATION OF THE FDCPA AND FCRA YOU ARE REINSERTING THIS AND HAVE NEVER NOTIFIED ME DELETE THIS IMMEDIATELY AND STOP REPORTING THIS ON MY CONSUMER REPORTS XXXX XXXX XXXX XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) re-insertion of previously deleted items This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO XXXX XXXX XXXX, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX XXXX HAS NO PERMISSION TO REPORT MY INFORMATION PER XXXX XXXX XXXX XXXX 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa :
Product: Credit reporting, credit repair services, or other personal consumer reports

not removing collections as well as unauthorized inquiries on consumer report
Product: Credit card or prepaid card

Hi, I had installed the roof and gutters under a Fixed Pay Project Plan for 60 months from Lowes in XXXX / XX/XX/XXXX Suddenly in XX/XX/XXXX, it was converted into a purchase with interest added at 26 %. I have called several times in the past three weeks- One of the Customer Service agents mentioned that it was a computer glitch that changed all my information incorrectly. She said that she would excalate it to the manager. However, nothing has been done as of yet. 

I would like the Fixed Pay of 6.99 % to continue from XX/XX/XXXX on the amounts, without it being converted into a purchase with interest rate of 26 %. Additionally, the interest charged from XX/XX/XXXX should be credited back into my account. 

It is a Lowes XXXX Credit Card. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account number 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
Product: Debt collection

I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, XXXX, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. TD Bank/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and TD Bank/Cartier multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however XXXX continues to report this fraudulent account and TD Bank/Cartier continues to harass me with ongoing collection calls.
Product: Credit reporting or other personal consumer reports

I have hard inquiries, I havent authorized and I need them remove.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) Congress has determined that " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Experian and XXXX are reporting agencies and I am the consumer, it is my right as a Consumer to ensure that my private information isn't shared. My right to protect my privacy is upheld by Congress under 15 USC 6801 which states clearly, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under 15 USC 6801. 15 U.S.C. 1681b 604. ( a ) ( 2 ) Subject to subsection ( c ), indicates that any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX nor Consumer reporting agencies XXXX or Experian have any written instructions from me nor do they have my expressed written consent to furnish my consumer report. 
15 USC 1681C ( a ) ( 5 ) states that except as authorized under subsection ( b ), 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.

Experian continues to report two bankruptcies on my credit report these bankruptcies are adverse items which they continue to report without my permission which is against the law. 15 U.S. Code 1681 s-2 ( A ) ( 1 ) states clearly that " 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. Code 1681 ( e ) ( a ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

According to 15 U.S Code 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX XXXX failed to give me the opportunity, before the time that such information was initially disclosed, to direct that such information not be disclosed to such third party. 
Experian and XXXX are not maintaining reasonable procedures.
Product: Student loan

I Was paying through XXXX and next thing i lost my job I could n't afford it? Then got a Job as a XXXX n my boss tells me I 'm getting garnish from Some Student loan I owe and this was back in XXXX and now! I 'm still paying plus getting harrassed with phone calls from Navient
Product: Money transfer, virtual currency, or money service

Paypal recently froze my account for 180 days for absolutely no reason. I tried to reach them but to no avail, they did nothing about it. This has influenced my freelancing hustle a lot till I heard of you. I feel hat this coming from you will make them do their job better, and clear the misunderstanding. The email linked to my Paypal account is XXXX.
Product: Debt collection

I applied for XXXX discharge through XXXX to have my student loans forgiven. A debt collection company called Pioneer sent me a letter they were taking over my loans and they were adding a XXXX collection fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attatchments.
Product: Checking or savings account

I woke up to two emails from Bank of America, one saying an online application is in progress and the other one is its approved and a Safe Advantage banking account is opened. I went to my BoA mobile app and verified there was indeed a banking account opened along with my frequently used credit card. But I didnt authorize this checking account to be open, so I went ahead to call BoA, filed a claim and insisted them to close that checking account. The customer support call was through within 20min and they said the account was closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX The above account is not my account. I have no knowledge of this account. I have reached out 5 times to the credit bureau asking them to remove this accuracy. FRCA states all information should be 100 % accurate and true! XXXX XXXX XXXX is not my account and I demand that it be removed off my credit report. The credit bureaus has not responded and this false account need to be removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 
1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15 U. S.C. 1681 s-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: Student loan

I have gotten two students loans in the past from two school, one I graduated for the amount of {$20000.00} from XXXX. My school closed after one year. I was making payments to Navient. I got another student loans went to XXXX school from XXXX to XXXX, but I did not finished for the amount of {$16000.00}. I started paying that as well each month. Navient later offered income driven payment as my monthly payment was very high and I could not pay. I was making payments, Total amount in the system at Navient shown I owe total of {$33000.00}. I kept making payments under income driven payment. Pandemic showed up, I was in forbearance, I still decided to pay at least {$50.00} since then. Here we go recently Navient changed to XXXX XXXX, I made copies of all my loans before they transfer. I had one student loan from XXXXXXXX XXXX XXXXXXXX college back on XXXX for the amount of {$2000.00} and that was paid fully before Navient change to XXXX XXXX 

I am now looking at Navient website and they telling me I owe them {$1400.00} something $ $ $ and the rest of my loans has been transferred to XXXX XXXX for the total of {$29000.00} something ... Before Navient change to XXXX XXXX I was told I am eligible for student forgiveness since my school closed after I graduated. I did applied for Borrower defense and sent forms to them regarding that. I can not reach out to them and nobody answer the phone, nor chat lines to see what is my status on that! I contacted Navient regarding the {$1400.00} something $ $ $ and they are telling me is a commercial loans! I never took any other loans except federal loans and I thought all my loans was what transferred to XXXX XXXX. I have balance now in Navient for {$1400.00} $ $ $ which I do not know what that is, however I made payments before transfer and I also have balance in XXXX XXXX!! Navient did not transfer this amount and telling me it's commercial loans whatever .... I do not understand what it is! They are charging me for something extra and there is no evidence of anything.. I believe they are taking advantage and now XXXX XXXX is trying to take ADVANTAGE for sure on top. So this is really confusing and nobody can explain to me why all these loans keep transferring and all these money I paid all this times, my balance never went down, except going up!!!! I need an answer. I am NOT going make any payments to NONE of these companies no more until this resolved! 

This is fraud and nobody has a good explanation. I am sure I am eligible for my loans to be cancels and it better because I am not sure what are these extra charges!! I am NOT going to pay two loan companies and apply for income base for nothing as I did paid enough to them and they owe me money now. 

Please investigate and look into this as I am sure many getting ripped off by these companies. This is fraud. 

Please Advise! 

Thanks! 

XXXX