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

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX  XXXXXXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX XXXX, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a 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 of 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 the information is inaccurate.
Product: Checking or savings account

First Citizens Bank in NC first withdrew my HOA payment on XX/XX/XXXX. On XX/XX/XXXX, First Citizens withdrew a second HOA payment. Unauthorized by our HOA XXXX. XXXX XXXX XXXX XXXXXXXX residents had 2 substantial HOA payments withdrawn from their accounts within 3 days. First Citizens never contacted us. The HOA company, XXXX, contacted hundreds of residents and said the bank made an error and will fix the error. The error was fixed on XX/XX/XXXX. ( Money returned ) But residents dont know what happened and what financial controls didnt work or what new ones will be put in place so it NEVER happens again.
Product: Money transfer, virtual currency, or money service

The institution tracks the funding via XXXX  XXXX XXXX and personal data is stolen through the third party merchant. XXXX  XXXX used a method of a two security feature that doesn't exist. When the student attempts to answer what possible password sensitive answers they are exposing personal data in which after the merchant and the third party country can intercept and manipulate the funds via School Financial Corruption. I attempted many times to reach out and the the school denies any information on funding. Becoming assertive and aggressive indicting wrong doing within the finical solidification process. In the end the third party merchant never successful grants you access to the account placing restrictions, in which they then use the funds via crypto currency for there agenda. I am sure the system is compromised as it continues with the the procument fraud guidelines.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the Bank of America Cash Rewards Credit Card. I needed to make a big purchase and the promotions appealed to me, specifically the 0 % introductory APR for 15 billing cycles. I visited their website and called to set up the card over the phone, where I was informed ( by both the website and person on the phone ) that the 0 % APR period was indeed for 15 billing cycles. 

Upon receiving my first statement on XX/XX/XXXX I was dismayed to find that my 0 % APR period was only for 12 billing cycles, and ended on XX/XX/XXXX instead of XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and an associate stated that when I applied the promotion was 0 % APR for 12 billing cycles, and that the promotion for 0 % APR for 15 billing cycles began on XX/XX/XXXX ( almost a whole month AFTER it was advertised to me, personally ). 

I was transferred to a Bank of America manager with the applications department, who listened to the recorded call I made to them on XX/XX/XXXX and confirmed that the associate told me the promotion was 0 % APR for 15 billing cycles. He apologized, but stated that they could not change the promotional period in their system. I reached a dead end. 

I believe that this is not the first time that Bank of America has misinformed their credit card applicants, and that it will not be the last unless something is done about it. That is why I am asking the CFPB to investigate Bank if Americas misleading advertisement, so the bank may pay closer attention and not mislead other customers. 

My name is XXXX. Please let me know if you need any additional information from me.
Product: Credit card

My XXXX got a call on XX/XX/XXXX from a lady named XXXX at XXXX XXXX XXXX from XXXX asking for myself to return a call to XXXX at XXXX XXXX XXXX referring to case # XXXX so I did and was told by XXXX, who portrayed himself as a mediator for a debt collector stating the debt was XXXX plus XXXX court cost if I was served papers and he said I would be served that day and they were on the way. He had all my personal information ( full social security number, name and address and old credit card account number ) I was aware that I had that old account many years ago and his scare tactics made me think maybe I did owe something so not wanting to be served I offered an amount of XXXX, was put on a short hold, he returned and said XXXX would resolve it and stop the process server that was supposedly in route, which was not true at all, just a rushed scare tactic to get my attention. Finished call and started researching that old account and realized pretty quick that the old account was actually owned by another debt collector and the amount was only XXXX and the debt was so old and not on my credit report that I didn't know it was even out there anymore. Tried to call XXXX back to cancel payment and never got an answer or return call after leaving messages. Kept researching and found out that XXXX XXXX XXXX did not exist at physical address on the receipt, made a police report, they investigated company and had the same findings, that the company did not exist. Opened dispute with Chase credit card company for the charge on my card that day, never heard back from them about needing more information just said they would investigate, they sent me a letter on XX/XX/XXXX that said they found the charge valid. I called to ask why and sent them proof on the old account that was never paid and police report, reopened dispute and once again I don't believe it was investigated thoroughly. So after numerous calls to Chase explaining the situation many times they sent another letter on XX/XX/XXXX stating the charge was valid. I don't know what to do at this time, I don't want to pay for services not received because the money I paid NEVER went to the old debt, complete fraud and I do not support that, especially after I provided evidence that shows this was fraudulent. Please help protect my consumer rights and contact Chase over this matter as they will not help me.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a storage shed for approximately {$2300.00} from XXXX using my credit card. After 5 days the contractor left a voicemail asking me to call so we could set up an installation date. I left voice messages for them for 5 days and no one returned my call so I called XXXX who also tried to reach the contractor but to no avail. That's when I decided to dispute the transaction on XX/XX/XXXX. Then I immediately received a call from the contractor apologizing and offering incentives to continue with the contract and an installation date was set. So I called the credit card company and rescinded the dispute. About a week later, the contractor called and said my contract was cancelled so I explained what happened and he said he could fix it and the installation was still on schedule. However, they never showed up and have not returned my calls. XXXX says they issued a refund on XX/XX/XXXX but I never received it. On XX/XX/XXXX, I requested that my dispute be re-opened. On XX/XX/XXXX I requested an update on my dispute. On XX/XX/XXXX the bank sent a letter saying the dispute was closed and the charge was valid. please see attached for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below : XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} This account has was disputed on XX/XX/XXXX. Today is XX/XX/XXXX. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e )
Product: Credit reporting or other personal consumer reports

Ive spoken with XXXX XXXX XXXX XXXX throughout the year XXXX  recently about a charge off they were reporting on my credit. A vehicle was taken from me from a dealership that I entered contract with to purchase. XXXX requested the dealership to buyback this loan. They did not. Thats why this is on my XXXX XXXX XXXX told me. However, through all of my digging its been verified through XXXX XXXX that they never acquired the title from the dealership, therefore shouldve never been placed as XXXX holder on this contract, per XXXX  law. This agreement was never fulfilled at the start. Therefore the contract is null and void. Nothing about this account is right. The car was repossessed and never sold even after I asked for the car to be sold. The dealership is no longer in business. They basically stole the car and now theyre making me responsible for a shady business practice.
Product: Credit card

My credit card ending in XXXX is being charged for something I did not authorize. Captial One restricted my account but will not allow me to report unauthorized charges. I have contacted them numerous times and they keep telling me someone will contact me. This is ridiculous. I want the card unrestricted and the ability to report fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX 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 If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

The following complaint concerns Huntington Bank. On XX/XX/22 the put a freeze on my business checking account. The reason for the freeze was some type of issue 2 checks I deposited. Huntington Bank was never specific about what the issue was with the check. The check amounts were around {$1300.00} and {$3100.00}. Both of the checks were issued from VIP clients and vendors. It was discovered that both checks had actually cleared the banks they were issued by on XX/XX/22. 
They froze my entire checking account on XX/XX/22, with no explanation. 
Dealing with Huntington is a practice in futility. No one there is able to provide definitive answers, or instructions on how to proceed in re-establishing our account. We were told over and over again the account would be un frozen in 24-48 hours, this has never happened. We continue to spend hours dealing with the branch managers, the call centers and the employees. In the meantime our checks have bounced, including a payroll. 
Our reputation with our vendors and employees has been jeopardized. 
This type of conduct by a bank is completely unprofessional, and unethical. 
Are banks allowed to freeze accounts like this? 
Someone help.
Product: Credit reporting, credit repair services, or other personal consumer reports

New information. 

notice i claim harm by way of trespass and i a man privacy rights. 

YOU BROKE THE LAW my rights these are my rights i am a man i know my rights my rights are if you do any wrong if you trespass by way of extortion in any way if you harm i or goes in care of i or the property of i if any harm to property or any undue exercise of power if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim.

pursuant to 15 USC 1681 ( 4 ) XXXX XXXX you fail to comply with law, i a man did not consent to or authorize XXXX XXXX a man or woman to sell or transfer my personal and private financial information or data to ANY corporation or organization or affiliates. XXXX XXXX a man or a woman fail to provide or produce material documents or law to support his or her statement. See exhibit A Notice, it is a fact, claimant is aware, pursuant to 15 U.S. Code 6801 ( a ) i a man, has the right to privacy and the right to know where and how to direct the disclosure of my nonpublic information, please be aware that this option was not presented to i a man which is a violation of law. 

pursuant to 15 USC 1692b ( 2 ) i a man did not consent to or authorize XXXX XXXX or COMENITY BANK to furnish i a man personal or private financial information any unlawful or extortion or any undue exercise of power identified will result in a claim against you in federal court for violating i a man rights. 

i a man is demanding that XXXX XXXX delete or remove ALL three ( 3 ) accounts listed below from my consumer report. if XXXX XXXX fail to comply with the law will result in a claim file against you for failure to comply with law. 
accounts removed or deleted from my consumer report. see below account ending in ( XXXX ) account ending in ( XXXX ) account ending in XXXX, previously ending in XXXX Civil liability Notice, it is a fact, claimant is aware, negligence is neglecting requirements that should be known. i a man the claimant and consumer, made XXXX XXXX a man or a woman aware of, prior and continued failures of reasonable procedures as seen in Exhibit ( A ). i a man claimant has reason to believe and do so believes due to XXXX XXXX and COMENITY BANK unlawful or deceptive business practices, XXXX XXXX a man or woman actions are liable under 15 U.S. Code 1681o for the actual injuries caused to i a man, the consumer in fact. 

regards, i a man
Product: Checking or savings account

XXXX XXXX Subject : Complaint Regarding Account Closure by Discover Bank Dear Consumer Protection Agency, This letter is to formally file a complaint against Discover Bank for the unexpected and unjustified closure of my bank account, [ XXXX ], on [ XX/XX/year> ]. 

Circumstances : Sudden Account Closure : Without any prior notice or explanation, Discover Bank abruptly closed my account. 
Prearranged Bill Payments Returned : This unexpected closure resulted in the return of several prearranged bill payments, including [ Credit Card, Utilities, Food, heat [ oil heat ]. 
Financial Hardship : The returned payments have created significant financial hardship, including potential late fees, service disruptions, and damage to my credit score.

Lack of Communication : Discover Bank has failed to provide any clear explanation for the account closure or a reasonable timeframe for the return of my funds.

Delayed Refund : I understand that Discover Bank may hold funds for a period, however, the current hold period of [ 2 ] weeks is excessive and causing undue financial strain.

Requested Action : I request that the Consumer Protection Agency investigate this matter and take appropriate action against Discover Bank for the following : Expedite the return of my funds : I request that Discover Bank expedite the return of my funds within a reasonable timeframe, such as [ Suggested timeframe, e.g., 3-5 business days ].

Compensation for damages : I request compensation for any financial losses incurred due to the unexpected account closure, including late fees, service disruptions, and potential damage to my credit score. 

Improved communication and customer service : I request that Discover Bank improve its communication with customers regarding account closures and provide clear explanations for such actions. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character )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
Product: Mortgage

When I have scheduled phone appointments with Ocwen Loan servicer, the relationship manager or representative do not have access to all of my records. When I refer to an affadavit or appraisal that I submitted, the person asks me to resend it. I have uploaded to this website and the Ombudsman Office. I believe Ocwen 's Office of Ombudsman Office and the relationship managers are hostile in negotiations with me. A foreclosure was dismissed over a year ago, and I believe Ocwen has a target on my back. Ocwen refuses to fix any mistakes they made like failing to finish processing my loan with an affadavit submitted to dispel any accusations of irregularities with signatures. Recent HAMP offers only address payments and not the underwater principal loan balance. I made it clear that I already have a XXXX agreement in force and that they insist I submit new modification paperwork. I clearly marked on there that a HAMP will not fit my circumstances, an in house would need to fit my special circumstances as the XXXX was an in house agreement.
Product: Student loan

I requested my records from XXXX XXXX XXXX XXXX and was told by XXXX XXXX XXXX XXXX that there was a flood and the only documentation that they had for me was the check  that I signed in XX/XX/XXXX for {$2600.00} and my attendance record. I explained that I was attending school when XXXX suddenly closed the doors. I initially started in XX/XX/XXXX, I took a medical leave of absence due to XXXX XXXX. When I returned they had return my grant money and I had to take out another student loan. I returned to school in XX/XX/XXXX and completed the classes that I needed to take ( I waived the word processing portion and was waiting for the end of the course and the school closed. I have been back and forth with XXXX XXXX for years trying to resolve this matter. They have the paperwork that shows that I was in school as of XX/XX/XXXX and they insist that I wasn't within the 120 days of the school closure. The {$2600.00} loan is now $ 17K plus. I am 22 credits away from my degree and I can no longer pay out of pocket. The course at XXXX was 34 credits and I can't get that either. I am returning to school on a less than a half-time basis, because that is all I can afford. This s a huge hindrance. I am a XXXX for the XXXX XXXX and I am being compensated as if I have a two year degree. I have 114 credits, 34 credits that I can't get credit for and 35 years of work experience. Please help!!! I would prefer a arbitration hearing and not just XXXX XXXX blowing me off. Thank you.
Product: Checking or savings account

There is fraudulent charges made on my account. Money was taken using XXXX. I file a complaint with both XXXX and jp morgan chase bank. XXXX has denied chase bank for refund and chase bank has did a reversal charge onto my account because XXXX has denied chase refund. This is about {$1400.00} fraudulently charges. Chase bank has failed to protect me in these fraudulent charges and has not resolve these charges. I have fax all the documents i have to jp morgan chase bank
Product: Money transfer, virtual currency, or money service

My complaint is with you, Experian! This month AND last month Experian has taken a payment from my XXXX  account! Last month I did receive a refund. Im tired of having this happen every month. Please refund my money {$24.00} and stop charging my XXXX account every month! Its a shame I need to complain about a credit company for trying to steal my money.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 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 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 convictions of crimes which antedates the report by more than XXXX 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: Money transfer, virtual currency, or money service

{$2100.00} was sent to another zelle account that was mirroring an actual authorized account. Account that monies we're sent to. It's doesn't exist. 

Zelle needs to implement protection
Product: Credit reporting or other personal consumer reports

Hello, I have attempted many times to dispute late payments recorded on my credit reports for a mortgage and home that I am no longer connected with as a result of a divorce and quit claim deed filed with the courts back in XXXX. The XXXXXXXX XXXX XXXX, now called XXXX XXXX is very difficult to reach via phone and online requests that I have submitted resulted in no response. I have even provided a written letter to the company, my divorce documents, the quit claim deed and a contempt of court legal document with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX