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

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

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 for information, other than records 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

There were a string of fraudulent charges on my credit card. This lasted a couple of days since the bank and credit card fraud detection did not notice. I notified the bank, and an investigation was started. The investigation was closed, and my request denied since the person who stole my credit card signed the receipts. I notified customer service of this, and was told that filing a complaint with CFPB was my only recourse.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX money was taken out my account
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  and XXXX XXXX, Bank of America regarding the misuse of my credit report, which violates federal laws and my consumer rights. I want to emphasize that I have already opted out previously from having my information reported, yet XXXX XXXX  and XXXX XXXX, Bank of America disregarded this opt-out and unlawfully reported information on my credit report, which is a clear violation of federal law and my rights. Furthermore, pursuant to 15 USC 1681 ( b ), which outlines permissible purposes for obtaining a consumer 's credit report, XXXX XXXX  and XXXX XXXX, Bank of America did not obtain my written consent to furnish any information on my credit report, nor did they provide me with the option to opt out. This is a direct violation of my rights under this federal law. Their actions also violate the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies and certain other organizations. By unlawfully reporting my information without my consent and ignoring my opt-out request, XXXX XXXX  and XXXX XXXX XXXX Bank of America have XXXX upon my privacy rights. Moreover, it is unlawful to report transaction history on a credit report without proper authorization, as stated in 16 CFR 313.7. This regulation prohibits the disclosure of sensitive personal information without the consumer 's consent, further highlighting the severity of these violations. Additionally, 16 CFR 433.2, which addresses the preservation of consumer claims and defenses, is relevant in this context. This regulation ensures that consumers have the ability to assert their rights and defenses, including the right to dispute inaccurate or unauthorized information on their credit reports. I demand that XXXX XXXX  and XXXX XXXX, Bank of America immediately remove the inaccurate reporting from my credit report and update it to reflect that the debt is paid in full. Furthermore, I demand that they provide the following documents : the account ledger, forward flow agreement, and chain of title. Failure to provide these documents would indicate that they can not prove that anything is owed at all. Moreover, I want to highlight that XXXX XXXX  and XXXX XXXX, Bank of America have committed identity theft by mishandling my social security number, which is a serious violation of my privacy and security. Neither XXXX XXXX  XXXX XXXX, Bank of America, has the right to use the non-mailable addresses they have on file, and all communication must only be through the Consumer Financial Protection Bureau ( CFPB ). Failure to comply with these demands may result in further legal action. I expect immediate action to rectify these violations and ensure that my consumer rights are upheld in the future.
Product: Credit card or prepaid card

Credit card paid full balance more than minimum asking for I had no balance XXXX then I received a interest rate with no charge I would like to close out my account with this credit card company as soon as possible Capital one credit card I had no balance after XXXX I paid on XX/XX/2021 no balance left until I received a interest charge just recently I paid my balance in full on time no late payment ever with this credit card company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX, has violated my rights Details of the Fraudulent Account : Account Name : XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my reque

st : 1. A copy of my government-issued identification. 2. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 





XXXX. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Georgia, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX RE : Attorney Letter To Sub-Paid Agencies : XXXX XXXX XXXX You Are A For Profit Business, Not A Bureau, the only Bureau is CFPB.

I've attempted on numerous occasions to get you to correct my file, I've sent ID Theft Info, I've asked for validation and you continue to tell me its validated but its only validated between the XXXX of your agencies. I did not give consent for any of you to purchase my personal information then publicly display it without my permission, and because you will not comply to my requests and FRCA laws, I must seek legal actions and possibly request {$1000.00} per incident over the past 6 months. 

Please see the attached letter.
Product: Mortgage

I received a letter dated XX/XX/XXXX from Ditch/XXXX XXXX about interest on my home in which I added to my chapter XXXX bankruptcy case number XXXX which was discharged in XX/XX/XXXX. I wrote you previously about this company stating that I owed them XXXX on a home that was discharged in my chapter XXXX bankruptcy. I filed case number XXXX with you and you made them send me my deed to my home. Now they are stating that I owe this much interest on my home and trying to send XXXX XXXX an interest statement for this XXXX. I am on social security XXXX and do not file taxes on my income. I talked to my attorney and they gave me advice to file taxes in which I do not have to file taxes being XXXX. I have never paid this much interest on the home in one year, since I have been living in the home. I believe this is bogus and this new company is trying to collect for XXXX XXXX XXXX. I am filing this complaint to get them to stop collecting from me.
Product: Checking or savings account

TD Bank has charged me a {$25.00} maintenance fee every monthly billing cycle since XX/XX/XXXX through XX/XX/XXXX. By my calculation this is {$300.00}. When I opened my account with XXXX XXXX ( which was acquired by TD Bank ),  approximately 15 years ago there was no minimum balance requirement. I asked for the {$300.00} to be refunded, TD Bank replied that I needed to look at my account sign up agreement ( from 15 years ago ). They credited my account {$50.00}, so I am still missing {$250.00}. I believe TD Bank wrongly charged me low balance maintenance fees that were counter to my agreement with them. I would like the bank to refund the balance of the fees that they have charged.
Product: Credit reporting or other personal consumer reports

It happened XX/XX/23 reporting wrong information and hung up in my face when I called. I want XXXX for false information reporting.
Product: Credit card or prepaid card

On XX/XX/2020, My husband and I called Capital One after noticing a huge drop in his credit score of almost 200 points. We were obviously extremely worried and saw that there was reported 2 missed payments reported from the Capital One account. We knew that we submitted a payment via the online app from our XXXX account and we had no contact from Capital One that the payment had not gone through or that the account was delinquent. We called Capital One and upon speaking to the representative about the problem they said that our bank had pushed back the payment ... but from an account that was not listed on our payment options and had been closed for more than a year now. The account wasn't even listed on our side and yet they still had the information from their records and tried to process the payment from a closed account. Of course it would be pushed back ... When I asked her to why they would try and process it from that account when it had already been taken off the list as a valid account to submit payment, she couldn't answer why but the account was still listed on their side and pushed me to just file a complaint with the credit bureau instead. It was infuriating. Lack of communication and a complete mistrust of private financial information. They wouldn't pick up the mistake they had made by not processing the payment on the right account.
Product: Debt collection

XXXX Bill. This bill was not opened by me an ex opened this account I learned with my information. He is decease and this is affecting my credit report for something i am not responsible for.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I went online through M & T Bank and paid off my vehicle {$5700.00}, however I never saw the transaction go through in my XXXX XXXX  account, so on XX/XX/2023 I paid off my vehicle again. 

I went to the M & T branch in XXXX, NY and spoke with XXXX on XX/XX/2023 to stop the transaction. She stated don't worry about it because it was pending and M & T Bank should kick back my money. 

I called XXXX back on XX/XX/2023 and told her I still did not get my money back. XXXX stated I should check my XXXX account on XX/XX/2023 as I should be reimbursed my money then. 

I received my letter in the mail stating my vehicle was paid off in full. 

I was not and so, I called the M & T Bank in XXXX again on XX/XX/XXXX at XXXX hours. 

This bank had yet to reimburse me my money and it has almost been a month since the transaction.
Product: Credit reporting or other personal consumer reports

Complaint Reason : Unauthorized Accounts, Account Reinsertion, and Consumer Rights Violations I have identified unauthorized fraud accounts on my credit report. Furthermore, an account that was previously blocked and removed has been reinserted into my report. Despite submitting a Federal Trade Commission ( FTC ) report, my California state drivers license, and my Social Security card, the credit bureau has failed to take the necessary corrective actions. This neglect violates both federal and XXXX  consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the bran ch manager.  She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via  XXXX  and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to  XXXX  and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.
Product: Checking or savings account

Refer to my previous complaint to you filed on XX/XX/2021 involving closing account to withdraw funds. 

When I filed the 2021 complaint against Citibank, I had accrued over {$100.00} interest for having {$10000.00} deposit with them for over 2 years. At the time it was unequivocally understood I was closing the account. After my complaint I was finally able to withdraw my {$10000.00} initial deposit and was informed the interest gained would be mailed by check. However, once again, Citibank has failed to do so and withheld all interest made from my {$10000.00} deposit.
Product: Student loan

I wanted to pay off my student loans. Navient was paid XXXX dollars to settle the loan in XX/XX/XXXX. I thought Navient was part of XXXX but they took over XXXX XXXX. I have documentation that all my loans were paid in full XX/XX/XXXX. I have the documents that were sent in the mail. I have sent those documents to Navient and they were suppose to look everything over and have a decision in 30 days. I sent the information through an email on XXXX XXXX. XXXX XXXX I resent the email because they said they did n't get it. I made sure they received it this time. Each time I call they say they do n't have the email and then find it. They resubmit my information and tell me I will have to wait another 7 to 10 days. This has happened several times. I have proof that they need to return the XXXX since this loan was already taken care of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I had two collections items added to my credit report. These items were reported to me on a Sunday. ( old hospital bills ) The following Monday these bills were paid in full. Needless to say these items hurt my credit score tremendously. this was very painful and embarrassing to say the least because I was in the process of buying my first home with my wife. I worked very hard to get my credit to where it needed to be costing me thousands of dollars. Only to have 50+ plus taken away from me overnight. This was all totally my fault and I accepted that. All that I could do was pay the account off and hope that the credit bureaus would restore my points immediately. XXXX did just that! They gave me all of my points back as soon as my accounts were reported to them as paid in full. Experian did acknowledge that the accounts were paid but did not and have not restored my points to this day. I have disputed this with them on more than one occasion yet they refuse to give me my 50+ points back. Needless to say that this affected my ability to qualify for my home. The mortgage lender told me that it was best that I be left off of the loan until I had this fixed. My wife demanded that I be put on the loan so therefore I was, but it hurt our rate and made our monthly payment go up roughly {$400.00} a month. Experian has basically told me to XXXX it up and that my score will go back up over time. I can not get an acceptable response from experian or anyone else for that matter as to why they will not restore my points. I want an explanation as to why and also want to know what can I do moving forward to get some type of closure because i do not intend to let this just be swept under the rug. If the debt was paid in full and XXXX restored my points immediately then why does experian not have to be do the same thing? I want to know who Experian has to answer to because its obviously not me.
Product: Consumer Loan

This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.
Product: Checking or savings account

Im a victim of fraud and Im trying to open an account with a few banks and I have been turned down Bank of America closed my account and I dont know why and its hard for me to get my account back I dont owe any money
Product: Mortgage

I am writing on behalf of my client, the current homeowner of XXXX XXXX XXXX, XXXX, MA. My client is currently facing an improper foreclosure based on a " zombie '' second mortgage serviced by Planet Home Lending , LLC. He had not heard about this mortgage since he modified his first mortgage in XXXX through HAMP, and had been told then that the second lien was discharged. However, in XX/XX/XXXX, he began receiving statements and letters stating he owed more than $ XXXX, made up of ~ $ XXXX in principal and almost ~ $ XXXX in accrued interest. Because he had not received any correspondence regarding the second mortgage in 5 years and the amount claimed to be owed was significantly higher than the original principal balance on the loan, he believed that he was being scammed. It was not until the foreclosure auction was scheduled that the homeowner reached out to legal counsel, who was able to assist in postponing the auction. Since the postponement of the auction, counsel for the homeowner has brought several errors of Planet Home Lending to their attention. Please see enclosed XXXX demand letter. Planet Home Lending 's counsel has responded, denying the homeowners claims and refusing to accept the homeowner 's settlement offer ( $ XXXX in total for complete discharge of loan ).
Product: Checking or savings account

I called Bank of America for my disputed transaction I have two disputes and 2 refunds that is not in my account. Last year i filed a complaints beause they took {$1300.00} twice from my account I never got my money they make it seem that they credit it but they took the money on my account twice I let that go, They also charge me so may fees. 
But I went on XXXX had a XXXX  XXXX so now I have only XXXX not much every month, B of A also did let me withdraw on the pandemic time I got an ATM from XXXX for the bank won't let me withdraw. XXXX to XXXX I Supposed to get {$3800.00} that I didn't get from XXXX, and they won't give that back to me.XXXX wont give it to me now. 
I'm with bank of America XXXX plus years. 

I just want a temporary credit for {$61.00} or. XXXX I called the dispute dept on Arkansas they are so prejudice to me the first representative I talked is so fresh like he knows everything he said I have to wait 90 days for investigation I told XXXX ( think that is name ) that I need to talk to their supervisor because I felt so bad the way he talk to me and already deciding for the supervisor I just ask for temporary credit they can take the money they can take it back that's my money that i entrust them to. they can take it back from my account when if they find out if i don't deserve that money. I told them the person I paid have a deceiving website they are from XXXX, and they won't let the get a temp credit, I told them I'm going to XXXX after XXXX they make beg for my own money and treat me like criminal, I didn't get my order, so I dispute it. XXXX and XXXX I told them I already file a complaint at XXXX and XXXX. He put me on hold them a woman supervisor talked to me I got so upset they are not even sympathetic they sound degrading. Prejudice they make me feel like I'm a criminal. I got upset I explained to them that I need that money everybody is having a hard time now. the vendors sit on my money. I have XXXX on my savings at that time, they just don't want to help out, I end up just giving up and said that I wish they get a karma for being so bad to me. 
the next day I took my savings, but I have auto pay account it will be very difficult to change account. i have XXXX. 
I was trying to use my ATM card it declined my transaction. I called B of A their customer service the following day he told me that my account is closed. 
I ask why didn't let me know? they didn't even let me know its two days before XXXX I almost had a XXXX. XXXX then i ask why did that to me, how much is my balance is? he said that they can't give me any information about my own account that they close. I'm very frustrated with this bank they think they can just do whatever they want on my account? why they treat me like like this?
Product: Payday loan, title loan, or personal loan

I requested the company to show me documents bearing my signature and NOT an electronic consent.