23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint against XXXX, a division of Fifth Third Bank, for a willful violation of the automatic stay in my Chapter XXXX bankruptcy. I filed for bankruptcy in the XXXX XXXX XXXX Utah on XX/XX/2024, due to financial difficulty, and XXXX was listed in my creditor matrix. Through the electronic court system, creditors such as XXXX  are automatically notified of the bankruptcy filing via the XXXX XXXXXXXX XXXX ( XXXX ). 

On XX/XX/2024, I sent XXXX an email informing them of my bankruptcy and the automatic stay, and I specifically instructed them to cancel the scheduled automatic withdrawal for XX/XX/2024, as processing this payment would violate the automatic stay. Email has been the only established form of communication between myself and XXXX regarding this account, and I made it clear that any withdrawal would be a violation of federal law. Despite this, XXXX proceeded with the withdrawal of {$200.00} on XX/XX/2024. 

XXXX had full knowledge of the automatic stay and the fact that they wrongfully withdrew funds, yet they chose not to take any corrective action or refund the amount immediately, even though they could have done so at any time. They only initiated the refund process after I contacted them on XX/XX/2024, which highlights a deliberate choice to delay rectifying the violation. 

Violations : Violation of the XXXX XXXX ( 11 U.S.C. 362 ) : XXXX action of withdrawing {$200.00} after receiving notice of my bankruptcy constitutes a willful violation of the automatic stay under 11 U.S.C. 362. Their knowledge of the stay and failure to act promptly to refund the money shows a reckless disregard for bankruptcy law. 

Creditors, including XXXX were automatically notified via the XXXX. Their delay in refunding the money, despite being fully aware of the violation, entitles me to actual damages, punitive damages, and legal costs as allowed under 11 U.S.C. 362 ( k ).

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692e and 1692f, XXXX actions in continuing to collect a debt after the bankruptcy filing constitutes an unfair and deceptive practice. 

Potential Violations of Utah XXXX XXXX : XXXX failure to return the funds promptly XXXX also violate Utahs Consumer Sales Practices Act ( Utah Code 13-11-4 ), as they continued to engage in unconscionable practices by withholding my funds after being informed of the automatic stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated me as a consumer and practiced illegal debt collection practices by furnishing inaccurate and incomplete data to my consumer report and has allowed a furnisher to furnish inaccurate incomplete non-validated information to my consumer report. Both Experian and XXXX XXXX XXXX have violated the following consumer laws against me as a consumer : You have failed to comply with 15 U.S. Code 1681 e ( b ) which states you are to follow reasonable procedures to ensure maximum possible accuracy of a consumers report. You have violated laws under the FCRA and FDCPA. Pursuant to 15 U.S. Code 1681 ( n ) you are in willful noncompliance for the following violations : you furnished this inaccurate information to my consumer report onXXXX prior to my debt collection notice received and addressed on XX/XX/2022 you did not follow proper procedures for debt collection You did not investigate this debt before furnishing this information to my consumer report. as a consumer reporting agency you are liable to the law that governs to investigate the items you furnish to my consumer report. there are inaccuracies, improper procedures, and frivolous claims on the alleged account 15 U.S. Code 1681b I did not give you any of the permissible purposes for your agency to furnish this information on my consumer report. I as the consumer never wrote to you in writing, or gave you any of the permissible purposes pursuant to15 U.S. Code 1681b to furnish this information on my consumer report therefore you must delete this item 15 U.S. Code 1681 s-2 ( e ) it is your duty as a furnisher upon notice of inaccurate and incomplete items to delete said item of information or permanently block the reporting of information from my consumer report your agency failed to do so I was never given proper notice of this debt the agency who furnished this item did not follow proper procedures of debt collection 15 U.S. Code 1681e ( b ) states whenever a consumer reporting agency furnished a consumers report you are to follow reasonable procedures to ensure maximum possible accuracy your agency failed to do so 15 U.S. Code 1681i any incomplete and inaccurate item must result in deletion 15 U.S. Code 1681s-2 it is your duty to furnish only accurate and complete information You verified this account without providing me with the method of verification, validation or any information as to how your agency deems this account verified pursuant to 15 U.S. Code 1692 g which is a violation would need all items requested to validate this alleged erroneous debt The notice of debt alleged I owed {$3100.00} your agency has furnished {$3100.00} which I sent letters to both parties concerning their illegal debt practices with request for validation of debts along with cease and desist notices with CERTIFIED MAIL RECEIPTS. XXXX XXXX XXXX received the letter XX/XX/2022 tracking number XXXX Experian received their letter as well tracking number XXXX and neither party has responded within the 30 day reinvestigation period which requires a deletion pursuant to U.S. Code 1681i
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was surprised to see inaccurate accounts listed. I have no idea how they got there, as I routinely review my report, and this issue had never occurred before. Thinking it might be a temporary glitch, I refreshed my browser, but the errors were still there. Because of this, I am requesting a careful review of my submitted documents so I can stop worrying about these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't think an investigation was done because there are two accounts that's still being reported that I have no knowledge of. I notified the credit reporting agencies that the creditors have yet to verify that the account is mine so how is it being reported? My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Attached is my XXXX data breach claim. I am asking for an investigation of the following accounts and the deletion of both from my credit report immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was defrauded of an amount of {$59000.00} around XX/XX/year>.
Product: Checking or savings account

I deposited {$3800.00} on XX/XX/2023. I get holds happen, it is for the purpose a very large checks that are presented, but an 8 day hold and for the entire amount which will negatively impact my account for other items presented, is overkill. I thought, at the very least, the first {$100.00} or {$500.00} was made for immediate use, but no, that wouldn't be the Truist way, they take the entire and report that my account balance is way higher than presented to be. This is shameful and personally embarrassing. What am I to tell everyone? My bank played Big daddy and tell me I am not entitled my money because they feel it belongs to them?
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, being locked out of fairly new account, I was forced to make phone payment. Requested that total including fees be paid at time & was told it was and no additional fee would show, since process done by Customer Service agent. It did not and {$2.00} dollar fee grew into {$28.00}, bill did not go to correct address, and I was called to pay over 30 days later. Did so, went thru same assurances ( no additional fees ), & this happened 3 more times since despite numerous calls to XXXX XXXX/XXXX to remove /correct credit report, as recent as early XX/XX/XXXX. Emailed, phoned and written requests have still not removed this error being no fault of my own. This time, in early XXXX, they corrected the overcharged late fees ( {$28.00} ) on their own but has refused to even acknowledge or fix the damaged credit report. 
I request help addressing this and immediate resolution, since this has resulted in irreparable false credit denials, and was not my fault.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased one pair of shoes while on vacation in XXXX XXXX from a store called XXXX XXXX. The cost was XXXX XXXX pesos, which converted to XXXX {$72.00}. The vendor ran my credit card twice for the same purchase without my approval/knowledge. When I returned to the XXXX a couple of days later, I had a fraud alert from Chase XXXX saying it looks like I had a double charge. I contacted Chase and disputed one of the charges and on XX/XX/2022, they reversed one of the charges and rate adjustment fee. Over a month later, I received a letter from Chase telling me the XXXX shoe store had provided information that both charges were legitimate. On XX/XX/2022, Chase added the charge back to my account. I went to my Chase branch in person on XX/XX/XXXX to dispute that charge. I asked them to send me the documentation provided by the vendor. The paperwork they sent me shows the XXXX store provided two credit card receipts for the same exact amount. ONLY ONE OF THE RECEIPTS WAS SIGNED. 
I called Chase on XX/XX/2022 and was told that because the credit card had been used in person, actually run through an on-site processing terminal, even though I didnt sign both receipts, I was still obligated to the charges just because they had had my actual card to run through the processing terminal. Chase blamed XXXX, said it was their call and Chase could do nothing and I had no recourse. I asked for contact information for XXXX and Chase refused to provide it. 
I can not contact the XXXX shoe store as I dont have their contact info and nothing with their name comes up on XXXX or through any other search. I sent an email to the XXXX XXXX XXXX in XXXX asking if they have contact info on the vendor but they have not responded. Chase said they had no contact info for the vendor. 
It is so obvious this is a scam ; I am incredulous that Chase and XXXX are giving me this run-around. I want a refund of the fraudulent charge of XXXX {$72.00} plus the rate adjustment fee. 
The Chase Claim number is XXXX. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Equifax credit reporting XXXX XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a Credit Card Account opened at XXXX  XXXX on XX/XX/XXXX Account Number ( XXXX ), an Credit Card Account at XXXX XXXXXXXX on XX/XX/XXXX Account Number ( XXXX ), an credit card at XXXX Bank on XX/XX/XXXX Account Number ( XXXX ) an loan at XXXX TOOLS on XX/XX/XXXX Account Number ( XXXX ) an lease at Professional Debt Manag on XX/XX/XXXX, an loan at XXXX XXXX XXXX on XX/XX/XXXX Account Number ( XXXX ) an Credit Card at XXXX Funding on XX/XX/XXXX Account Number ( XXXX ) an loan at XXXX XXXX XXXX on XX/XX/XXXX Account Number ( XXXX ), an Educational Loan At XXXX XXXX University XXXX XX/XX/XXXX Account Number ( XXXX ). These Accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) Complaint ( XXXX ) as proof from the XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One failure to deposit my direct deposit from my employer and any incoming deposits. Capital one has cited technical issues which may violate the Electronic Funds Transfer act ( EFTA ) as it require requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I will also like information about the lawsuit filed against them regarding the high yields savings account as I have three high-yield savings account with Capital One.
Product: Checking or savings account

I went out of state to Arkansas in XX/XX/2014. I was in a car accident and was in XXXX XXXX XXXX at the time I called my mother, XXXX XXXX XXXX on her cell phone from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX withdrawaled {$4000.00} over the course of 4 days. Without my permission. 

I contacted Regions Bank, to inform them that the transactions were unauthorized. 

For one the card that XXXX XXXX XXXX used was suppose to be deactivated upon activation of my new card that was in my personal possession at the XXXX XXXX XXXX XXXX in XXXX XXXX, AR. 

I submitted the unauthorized transactions complaint to Regions Bank. They did not pursue the complaint. Regions Bank stated, " The transactions were authorized. '' That was their response upon completion of their investigation. 

I don't know all the specific dates of interactions between the bank and I. But I do still have a copy of the complaint and dates that these transactions. 

I want this money recuperated to me. It was theft and it is not right that this was able to happen without consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I see that Experian has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from Experian in reference to my XXXX account that they're reporting. I still see my experiences with XXXX are still showing on the report such as monthly payment, balance, recent payment, original amount, etc. According to the Fair Credit Reporting Act 15 USC 1681a-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 USC 1681a-exclusions, report containing information solely as to TRANSACTION or EXPERIENCES between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Vehicle loan or lease

I advised the company that I believe that I was let go from a job because they were calling me, I was employed with XXXX XXXX XXXX XXXX and I was a XXXX XXXX, on XX/XX/XXXX, my supervisor was at my desk speaking to me and my cell phone rang and XXXX XXXX XXXX appeared on the screen, not only did they call once they called 3xs, the first call was XXXX, then XXXX and then again at XXXX. I felt harassed I was fully aware of this debt but was work at the time. At the end of my shift with no warning, no previous complaints or write ups, they told me I was let go that same day. I truly feel it had something to do with these calls and also they called again like this on XX/XX/XXXX once at XXXX and then again atXXXX, then on XX/XX/XXXX I was on the phone with an agent at XXXX and they were calling on the other line at XXXX. I am fully aware that I owe this debt and want to do so but that has now become difficult with no income. No one should be called like this. On XX/XX/XXXX, I spoke to someone in the President Office ( XXXX ) advising her of my complaints and request and she asked that I give her until XX/XX/XXXX to follow up with me, and between that time I received another collection call on XXXX/XXXX/XXXX and another call on Sunday XX/XX/XXXX. I called the office on XX/XX/XXXX and they stated that she ( XXXX ) was unavailable in a meeting I spoke to a XXXX and that she read XXXX notes and said they reviewed this and that I signed a contract giving them permission to contact me at this number ( XXXX ) XXXX I advised to her I did give them permission to contact me at this number but not harass me and to me repeated calls within a five minute period is harassment, she also advised me the vehicle was placed out for repossession on XX/XX/XXXX, before she would even get back to me and give the results of her finding or give me the option to make a payment before repossession.
Product: Debt collection

In XXXX, I had a Capital One Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to Capital One. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX. 
Sometime in XXXX, XXXX XXXX XXXX reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges. 
On XX/XX/XXXX, XXXX XXXX XXXX was granted a Default Judgement against me in the XXXX XXXX, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report. 
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX. 
I ask for your assistance in the matter as well. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I received a phone call on XXXX XXXX, XXXX at XXXX from a XXXX XXXX who said their company was XXXX XXXX debt collection agency. He called from phone # XXXX. He was asking for my daughter-in-laws mother. I asked how he got my phone number and he said through a XXXX party. 
They have no right calling me looking for her and revealing that they are trying to collect a debt from her. 
This is a disgusting business practice and a violation of her privacy. 
I advise them I do not have her contact information and if I did I would not give it to them due to violating her privacy. 
My phone number is also on the do not call registry.
Product: Credit reporting or other personal consumer reports

l have looked on my account and notice some things are incomplete and not accurate .and according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

i sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is inaccurate
Product: Credit reporting or other personal consumer reports

My Credit Card Information ending in XXXX is not being reported by XXXX Equifax and XXXX, I have been getting this resolve for many months and it was unsuccessful. XXXX told me to do a POA so they can reinsert the account back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

Chase and XXXX XXXX have close my accounts with money in them. Iam self employed its hard out here some people checks take longer to clear and the punished me for it