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

On XX/XX/XXXX my wife 's payroll company accidently sent her pay to an account that Huntington closed on XX/XX/XXXX without stating a reason. I called Huntington and they told me they are unable to track transactions at it should be returned in 7-10 days. They should have rejected the transfer as the account was closed and they no longer want to business with us. When the closed our account on the XXXX they issued a check for the {$2.00} remaining balance with tracking and a signature requirement. The money was never sent back. I went to the bank today and all the manager would tell me is some part of Huntington printed a check on the XXXX and had already mailed. I use USPS informed delivery and they will notify me of all mail by scanning it and emailing me pictures and tracking numbers if there is packages or registered mail. There have been no letters from Huntington. The manager stated " The checks in the mail '', and I do not believe that as I can see the mail. I will be filing a police report to get the illegal acceptance and retention of {$160.00} noted to file a lawsuit to recover said money. Their practices are abhorrent and verging on criminals. I'm glad to have a better account now that doesn't have {$35.00} out-of-network ATM fees that even kick in when you use your card at XXXX XXXX. They need to be better monitored as they are the worst bank in Michigan, ask anyone. We were stuck with them because they bought our old bank.
Product: Mortgage

I refinanced my Suntrust VA mortgage and successfully closed and paid off the mortgage in full on XX/XX/2019. OnXX/XX/XXXX, Suntrust drafted my monthly payment out of my checking account in the amount of $XXXX. This was in error and I have called 7 different people over 3 days and approximately 2 hours of my time to correct this and have the funds wired back into my bank but all attempts have not been successful. This has caused me financial hardship and is not ethical, nor should it be legal. As stated, my mortgage balance was paid in full and there were several days in between when they drafted the payment out. They have thus far refused to act to wire the money back to me.
Product: Vehicle loan or lease

I purchased this vehicle in XXXX of XXXX this is the second time my vehicle has been in the shop. I have driven this vehicle under XXXX miles since date of purchase. I use this vehicle to and from work where I commute with my XXXXXXXX XXXX. On XX/XX/XXXX the car shut down again, I've also had to XXXX next to everywhere for weeks, that is until XXXX XXXX  I was called to finally get loaner vehicle. Audi XXXX XXXX sent a tow company for my vehicle on XX/XX/XXXX, a week later I got to find out my vehicle was still in the tow yard cause Audi XXXX was closed when trying to deliver my vehicle. I was given a call a week after delivery to be told there is a part that needs to be ordered and I can come a loaner had to take an XXXX  to XXXX to get this loaner. Got a call last week that said the part was going to be probably in the shop around XXXX. This is now me going on a 2 months and a half without my vehicle. I went into Audi XXXX on XX/XX/XXXX and was told that the generator that was ordered came for my vehicle but now there is a fuel pump that need to be replaced due to a recall. on XX/XX/XXXX I got a call from Audi stating that they have the part and my car would be repaired which was the recalled fuel pump. I got another call stating there was a recommended service to be done on my car on XX/XX/XXXX. Then I got a text on XX/XX/XXXX stating that the engine light came on while performing the recommended cleaning and that I had to have the fuel pump replace again. I was refused a trade in, offered {$7200.00} in cash or trade in and I am requesting the full amount I have paid for this vehicle which XXXX XXXX is refusing to do. They sold me a car that is defective. I have paid {$48000.00} so far of my loan.
Product: Credit reporting or other personal consumer reports

I need the address of XXXX XXXX XXXX XXXX PA XXXX REMOVED. 

I need all incoming mail from credit reporting or disputes to be mailed to : XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) [ CFPB Mailing Address or Online Submission ] Subject : Request to Block Fraudulent Information and Remove Reinsertion of Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent accounts that have been reinserted into my credit report without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The following accounts were previously removed due to identity theft and must not have been reinserted without the required legal process : Fraudulent Account Information : Creditor : XXXX XXXX  Account Number : XXXX Additionally, I have reason to believe my Social Security number ( SSN ) and personal information have been used fraudulently, resulting in multiple unauthorized accounts and inquiries on my credit report. 

Violations of Consumer Protection Laws These actions constitute clear violations of multiple federal regulations, including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide written notice before reinserting disputed information.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.

Despite multiple requests, my personal information has not been updated, exposing me to ongoing identity theft. Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, which violates my consumer rights.
Product: Credit card or prepaid card

Hi, Starting XX/XX/XXXX to XX/XX/XXXX of this year, I started getting fraudulent charges on my XXXX XXXX Bank of America credit card. They didn't block my card or give me any notifications, I believe I only got a text message a week after. I wasn't able to view the account as I was extremely busy, but usually XXXX blocks my card whenever I have charges that seem fraudulent so I didn't worry about it. BoA didn't and it seems like whoever got my card info kept charging on my card. I had a charge for XXXX in Washington DC ( I live in XXXX and I don't travel there ), XXXX charge for $ 600+ ( I don't watch concerts ) and $ 2000+ charges for merchants that are named " XXXX XXXX   '' and " XXXX ''. I quickly disputed them after finding out and I requested for a credit freeze via XXXX. After a month, I got a letter in the mail saying they were unable to accept this fraud claim because " it's consistent with my purchase history ''. This is completely false and ridiculous. I don't buy anything for any airline hydraulics and I don't purchase in DC. I can 100 % confidently say my transactions do not reflect these fraudulent charges and BoA did not do a great job with their due diligence on investigating this. My credit score plummeted due to this and it's just unacceptable. I am not going to pay $ 7000+ worth of fraudulent charges that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I had a credit card through commenity bank. XXXXXXXX XXXX was in the process of selling the accounts to XXXX XXXX. In that process I got behind on payments but never received anything in the mail from XXXX XXXX about this account. To my knowledge, once the account was with XXXX XXXX I did not receive any calls about my account. Around the beginning of XX/XX/XXXX, Atlantic Credit and Finance contacted my husband, who is not an authorized user on this account and is not listed on the account at all. He spoke with a woman named XXXX who worked at Atlantic Credit and Finance. She made him aware that my account was past due and they were attempting to collect a debt. My husband is a XXXX XXXX and due to the many scams going on would never give personal information or bank information without knowing the company and call is legitimate. They attempted to ask my husband for my date of birth, social security number, and other personal information. He, of course, would not give them this information. He asked them if this was legitimate then they should have the information. XXXX then proceeded to give him my social security number, date of birth, current address and other personal information. He did set up a payment plan to pay my debt. I never received notice of the payment plan. He received through the mail statements letting him know the amount was deducted. Nothing ever came in my name. He told me about this information, and at the time I was going through some health and emotional issues and did not have the time or energy to deal with it. Not only that, since it was now in his name, I did not know who to contact to deal with the issue. The end of XXXX, XXXX, my husband 's debit card expired, which was their form of payment. They sent a letter to my husband through USPS stating the payment would not go through. So, I called them to set up a new payment. While I was on the phone with a woman named XXXX who works for Atlantic Credit and Finance, I told her of the incident of XXXX from Atlantic Credit and Finance giving my social security number over the phone to my husband, and how I did not think that was legal. She repeatedly told me it was legal. I asked several times for her to provide documentation showing it is legal. She said she could not do that because she does not have that documentation. I did set up a payment plan to pay my debt, but I do want this company in some way reprimanded for this action. They could have been giving my information to any person. I originally filed a complaint with the Federal Trade Commission on XX/XX/XXXX and when I called to get an update on the status of the complaint was told to contact the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Section 602 A. States that 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX  Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been to these companies to apply for credit they were removed from the other bureaus XXXX and XXXX please remove these because I never gave no one permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Texas Office of Attorney General Account # 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 a account without my written instructions
Product: Credit card or prepaid card

Unrequested XXXX " Direct Deposit, pre-paid XXXX '' phishing scam from " Brinks Money '' asserting I have an account at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  Problem is, XXXX 's information indicates they don't service our zip code... meanwhile, Brinks requests all sorts of info : SSN, DOB, address, etc.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I obtained loans in XX/XX/XXXX while attending XXXX, Florida XXXX XXXX XXXX, Florida. 
My original loan was obtained through XXXX. The loan was paid in full in XX/XX/XXXX. I received documents from XXXX to support payoff. 
ECMC had purchased the loan at some point and started derogatory collection practices. They have garnished my wages in XXXX, obtained over XXXX before I could stop them. They have taken my tax returns as well. Yet, those payment do not reflect any where in their system. They have harassed all my former clients that I worked with, not to mention ruined my business reputation. They sold the account to numerous credit agencies, whom continued the 20 calls a day harassment. 

I had submitted the pay off paper work obtained from XXXX on 15 occasions and obtained a lawyer to deal with this harassment to no avail. 

They are yet again contacting me to garnish my wages. I have yet again submit a response with a request for a " Trial '' to refute owing them any money. ECMC just sent me a letter refusing my hearing request and demands information to garnish my wages. I am at a loss! I have had XXXX contact them directly to confirm payment and they are still relentless in their collection effort.
Product: Credit card or prepaid card

I have been complaining about American Express for two years. This all began several years ago when i signed up for XXXX XXXX. XXXX XXXX was a credit repair law firm that helps consumers improve credit scores. The program offers a number of strategies and forms to ensure consumers maintain good credit. One of the forms and strategies is to file opt-out to bureaus to obtain relief from creditor solicitations. I filed both of the opt-out requests ( XXXX and XXXX ). 

American Express subsequently sent me a number of solicitations and advertisements. The counsel at American Express has denied the allegations and stated that it was not ever a violation. It was corrected and the issue is no longer. During the violations of the opt-out requests, i signed up for three American Express applications . ( one reason that XXXX XXXX tells customers to opt-out, is because some consumers have an inability to control spending. thus, they receive an application for credit and fill it out to spend money. part of credit repair includes budgeting and managing temptation to spend money on credit cards ) I have pulled two pieces of information from law and from the courts. The first is an example of fair credit reporting violation. The second is the law governing how creditors obtain information. 

185. OrderSetting discovery, pretrial, and trial datesObtaining credit information under false pretensesViolation of Fair Credit Reporting Act 15 U.S. Code 1681q - Obtaining information under false pretenses- Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

It is my belief that by violating the consumer protection laws surrounding the opt out that the creditor American Express obtained my credit information and submitted three inquires to the bureaus. American Express has refused to remove those inquiries from my report in the past. It is my belief that American Express has not done enough to rectify the violations against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX XXXX Acct # : XXXX : Inaccuracy payment information
Product: Checking or savings account

Financial institution offered {$300.00} bonus for new account being opened and meeting condition of 3 consecutive months of {$1500.00} being direct deposited to account. Conditions were met in XX/XX/2018 and payout of bonus is said to occur within 45 days. Bonus has not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I had a notification with my credit report that somebody trying to open a credit car led at Macys under my name. So I called the XXXX to check but didnt see it that time. Today XX/XX/2023 it showed again in my report so I called Macys credit card and they say they took it out.
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover I have reached out to your office multiple time asking you to provide me the information to who you have place discover XXXX with you first stated that you had handed it down to XXXX  but I reached out to XXXX  they stated they were no longer handling it for you and I sent you the paper work in writing. This had been going on for sometimes and your refusal of giving me any information is not acceptable on my behalf. As of this this XXXX day of XX/XX/2020 I XXXX XXXX XXXX at XXXX hrs ask of your company to cease and Desist all Further collection on this account. You have violation my rights and the FCRA as well as FDCPA I asked of your office to remove the adverse account from all four of the credit files. Immediately. I asked you months ago to note the accounts of each of the credit bureaus you refused which made this a violation of a federal and you know this is what made me Escalate in contacted XXXX  when you delete this from all four reporting agencies I asked that you sent me in writing that the unverifiable information has been removed. All you had to do is what I asked you to do months ago you were quick to run back and add the required noticed on the report in which I know you did due to the fact that I have alerts on my report if anything is added to the report other then deletion after XXXX hrs today legal action will apply due to cease and desist request I thank you for your full Cooperation and look for to your letter with the deletions.