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

In accordance with the Fair Credit Reporting Act, convergent accounts : ( XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX XXXX XXXX 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 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I was out of the country in the XXXX from XX/XX/XXXX until XX/XX/XXXX and during that time ASPIRE credit card by XXXX XXXX XXXXXXXX started charging me a service fee that I was not aware of every month. All my other accounts were on autopay and because I wasnt using this card, did not have access to it nor log in information, email or mailings for this company so they never notified me! I told them I have never paid a bill late and they were dismissive and rude saying nothing they can do about XXXX day lates I never used the card for transactions! I tried to get them to fix their mistake and they refused and were rude.
Product: Checking or savings account

Navy federal would allow debit card transactions to go through when my card would be frozen or no funds in the account still processing ach payments and charging an overdraft fee. And they are still doing it to the day
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following account from my file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I open a Wyndham Rewards Earner Card on XX/XX/year> because I was trying to make a reservation on the site for one of their facilities. That card was offered as reward which would allow me instantly get the hotel reservation at a discounted rate as a card statement credit. I applied for the card, was approved, received a hard credit card inquiry but no access to the credit card information to make that reservation. I called Barclay Credit card to find out how to get access to my credit card information to make that reservation but I told that I have to wait till I receive the card in the mail. I was deceived because now I can't make the reservation right away which means by time I get the card, the hotel room will booked out. I would have never applied for that card if that mentioned in that offer which it wasn't. This company needs to be penalize for false advertisement!
Product: Credit reporting, credit repair services, 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 inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit card or prepaid card

Just received a notice about an attempt to collect a payment of the amount of {$1800.00} for a Sears credit card. This is the first time knowing about this. I opened a credit card a long time ago, perhaps 7 years ago, I paid off this credit card perhaps 3 years ago and never used it again. I have other credit cards that before they expired I get send new cards, this one expired a few months ago and never received a new card nor did they tried to contact me about any purchases I had made or that they tried to collect from me. I believe this may be either the company trying to sell something that does not exist or someone got a credit card under my name and used it, which I am not responsible for nor will be made responsible for. I have lived at the same address for a little longer than 3 years, and have not received any billing from Sears nor they have made attempts to contact me about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry dated XX/XX/2017 from XXXX XXXX XXXX XXXX that I did not authorize.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. DPT EDXXXX XXXX
Product: Checking or savings account

RecentlyXX/XX/XXXX evening, I visited Huntington Bank branch ( at XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX OH XXXX ) to downgrade our existing Money Market Account to normal Savings Account, The request was very simple, just to change existing account type and no other changes. 

On counter employee was not well experienced on servicing accounts ( but she was trying her best ) and her one simple mistake has placed us in miserable situations .... 

To switch account type from Money market account to saving accounts, she opened new savings account, transferred fund from existing to new account and in deposit entry ticket, she marked new account deposit transaction as " Cash '', and due to, system raised CTR without any genuine reason. Upon servicing account, while bank employee originated internal account to account service transfer, did not involved even {$1.00} cash deposit, how can your system raise CTR without performing system verification???????? Once CTR was raised, she did not know, how to get out of unexpected CTR or to suppress false alert. 

Due to your employee 's mistake for inappropriately handling transaction entry, we have been suffering. You have responsibility to serve and handle your financial obligations efficiently, not by developing incorrect system, where customers suffers for your mistakes. 

Due to this miserable experience, on XX/XX/XXXX Friday, I visited Huntington Bank ( XXXX XXXX XXXX XXXX XXXX OH XXXX ) and spoke with banker, asking to close my new savings account, which has created all unexpected issues. Since there was a pending online transaction on the account, banker mentioned that, he will put ticket in the system to close account on Monday, and he specifically mentioned that, I will NOT have to come to the Branch again, he was helpful. 

After visiting branch, 6 days passed but since my requested account has not closed yet ( byXX/XX/XXXX ), I called the branch and spoke with same gentleman again, and he mentioned that, there is XXXX cent Interest on the account, which needs to deposit to another account, and due to that, I will have to come to Branch AGAIN.. Just to simply close one incorrectly opened account, how many time Huntington Bank would ask customer to visit bank?????

So question comes is : Is this how customer service you provide to Huntington Bank Customers? Hassles over Hassles, one after  another? 

These types of real life experiences raised questions on credibility of your advertisement of JD Power Awards.

Huntington Bank DO NOT provide facility to submit written service request after logging in to online bank account, which makes additional inconvenience for consumers to write to bank for the service or may be a way to suppress customer complain?

CFPB should investigate these type of complains and hassle customer experiences, and must implement framework, which imposing regulations on banks to minimize burden on consumers to get simple service on account. 

If account can be open online, then why can not Huntington Bank allow customer to close account online?
Product: Debt collection

I sent RSI a validation letter in XX/XX/2021 ( attached ). Their response in XX/XX/2021 ( attached ) was stating that they do not need to provide any validation to except the name and amounts. There is a few problems with the verification that was sent. 
First- there is a HIPAA violation- they could not provide me, as I requested in original validation letter, a signed HIPAA form by me, releasing XXXX XXXX XXXX to release any medical information, as you can see there is all my medical information on the forms that they received, that is CLEARLY violating HIPAA privacy laws. ( which by law they MUST REMOVE THIS IMMEDIATELY ) Secondly-the so called validation they sent me are very detailed statements that were addressed to me, however the amount owed is {$0.00}!!

Therefore, not only are you violating HIPAA, You are now violating FCRA laws.

THERE IS NO AMOUNT DUE!

I will be reporting both to HIPAA for both their violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX ( page XXXX ), XXXXXXXX XXXX XXXX  XXXX ( page XXXX ), XXXX  XXXX XXXX ( page XXXX ), XXXX  XXXX XXXX ( page XXXX ), XXXX XXXX XXXXXXXX ( XXXX XXXX ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX via XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX  via XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX via XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ). 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( never was my address ), ( XXXX ) XXXX ( never was my phone number ), ( XXXX ) XXXX ( never was my phone number ), ( XXXX ) XXXX ( never was my phone number ). 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC16811 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 168 In & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
These Accounts have violated my rights according to FCRA : I demand the following accounts be verified or deleted immediately. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. 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 fifteen ( 15 ) days of the completion of your investigation.
Product: Checking or savings account

I received checks from my clients that where deposited into my account chase is denying me access to my account and funds saying they can't verify the sender when it's my client 's it's not a business I'm a XXXX  and I get paid by checks
Product: Debt collection

i was contacted this morning by ARA Inc over a debt to a company called XXXX XXXX. They stated that the debt fell off my credit report in 2006 but that they had decided to file a lawsuit against me in XXXX XXXX. They then transferred me to their " Legal '' department. The rep there stated that they would be filing on Monday in Oklahoma XXXX and putting liens against my credit cards ( which they listed on the call ) and that they had my bank account information which would have a lien placed as well. They stated that the amount was {$5000.00}. I asked for information about the amount owed and they gave me the name XXXX XXXX. I asked why they were taking me to court when I knew nothing about this debt. They stated that they had sent me a payoff offer in XXXX. I stated that I had never received anything from them. They emailed me the payoff offer and stated that I had to pay today. I told them that I needed to look into it, and they responded that if I did n't pay today, that they were suing me. They then called back 11 minutes later and demanded the payment for payoff. I responded that I looking into it. The reps stated that she was going into a meeting about me and whether or not they were going to proceed with legal action so she needed the payment NOW. I advised that I could not make a payment at that moment. They then called back 47 minutes later, but I did not take the call as I was on a conference call at work.
Product: Credit card or prepaid card

XX/XX/2018, I was in contact with Chase Banks. I did not create an account with their company.
Product: Checking or savings account

I received a debit card on XX/XX/XXXX from Citibank along with a letter, mailed separately, from Citibank and dated XX/XX/XXXX, thanking me for my request to open a Regular Checking account. I did not request this checking account or debit card nor do I want a checking account and debit card with Citibank. I do have a Citi AAdvantage credit card but that is all. 
I have tried calling Citi numerous times today and tried texting them using my Citi app. I was never able to talk to a real person. I am concerned that Citi is doing something similar to XXXX XXXX -- signing customers up for accounts they did not request.
Product: Credit card

Today XX/XX/year> at XXXX XXXX We went into the local wyndham for timeshare preparation. Early in the process we were asked to provided ssn. We were confused by this, but the sales person said this is just to verify who we are and our eligibility. We naively gave this info because the sales person said it was required and demanded this to proceed with giving the presentation. We went through the presentation and made sure to check decline and sign we declined any products offered. When we got home we got an email from transunion alerting my wife there was a new account under her name. Extremely surprised by this we checked and indeed, XXXX had opened a XXXX credit card under her name. My credit was already freezed due to the earlier leaked info so guessing why I didn't have any. We immediately called the card banking partner, Barclay to close the card and freeze all her credit. Because this was the banking partner, they did not know why this happened and just apologized for the inconvenience. This is extremely illegal and unethical on XXXX 's part. At no point did the sales person say there was a credit card or the real reason for the ssn request. I see many accounts of this on online forums, it seems like XXXX has been doing this for years and there was even a class action that was unfortunately dismissed.
Product: Credit reporting or other personal consumer reports

This account does not belong to me, I do not have knowledge of this account.
Product: Credit card

I received a call from American Express about XXXX XXXX 2016. The agent asked me if I had applied for a credit card. Turned out American Express on XXXX XXXX had issued a card in my name to an unknown ( to me ) individual in XXXX. The person had already expended {$2000.00}. I also checked my XXXX XXXX Account and noticed a credit card had been issued to someone other than myself. It had not yet been activated so was cancelled. Again, I had not been contacted regarding the address different than the one on record at the bank. 
Obviously my personal information has been stolen and I am taking necessary identity theft procedures. My main issue American Express and XXXX XXXX is the fact that they issued cards to an unknown in my name at a XXXX address when all my address and all my contact info is in XXXX without contacting me. The American Express person could not answer the question but told me the card would be cancelled and credit agencies would be alerted regarding my credit. I have filed police reports and complaint to FTC.
Product: Checking or savings account

ON XX/XX/2019 AN UNAUTHORIZED WITHDRAWAL IN THE AMOUNT OF {$50.00} WAS TAKEN FROM MY CHECKING ACCOUNT TO PAY A SAFE DEPOSIT BOX AT XXXX XXXX. IN THE FIRST PLACE I HAD ALREADY CLOSED MY SAFE DEPOSIT BOX AND SATISFIED PAYMENT A YEAR AGO. I DID NOT WHATSOEVER AUTHORIZE XXXX XXXX TO DEBIT MY CHECKING ACCOUNT. THIS IS A VIOLATION TO MY PRIVACY. I HOPE CFPB WILL RECOGNIZE THIS HAS A PRIVACY ISSUE AND TAKE ACTION. IF ANY BANK IS AUTHORIZED TO ENTER OR TAKE MONEY FROM A CUSTOMER 'S ACCOUNT, HOW SAFE ARE WE? I ALSO DID NOT AUTHORIZE BANK OF AMERICA TO LET XXXX XXXX DEBIT MY  CHECKING ACCOUNT. THIS IS THE THIRD TIME WE HAVE TRIED TO SUBMIT THIS COMPLAINT ( BY PHONE ) AND WAS TOLD CFPB WOULD U.S. MAIL A FORM AND IT'S BEEN OVER MONTH AND WE STILL HAVE NOT RECEIVED ANY INFORMATION. I'M HAVING MY DAUGHTER HELP ME SUBMIT THIS COMPLAINT ONLINE BECAUSE I WAS TOLD IT WOULD BE QUICKER. I STILL BELIEVE A FORM SHOULD HAVE BEEN U.S.MAILED TO ME. GET THIS RESOLVED.
Product: Debt collection

I never approved the debt or notified about any of it an personal information has been obtain i dont consent to this under the law 15 usc 1692c https : XXXX
Product: Debt collection

I have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. With the newest card account I did contact the creditor directly and spoke with the company directly but was avdised they could not do anything until another report was filed with the FTC. Please see both police report number below. case # 1 : XXXX case # 2 : XXXX
Product: Credit reporting or other personal consumer reports

I have called and talked to Experian and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking Experian to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.
Product: Student loan

These are regarding my XXXX recent loans with citizens bank in the beginning of XX/XX/2016. I was quoted that the loans were 2.86 % variable for XXXX separate loans. the first representative XXXX XXXX gave this quote I emailed the documents so that was much faster. However he decide to combined them when told not to. Which delay the process. Which seems to be common practice not only with Citizens Bank other lenders as well to trap borrowers if the loan defaults. XXXX XXXX the left a voice mail as well of financial information which is a serious violation. Then I talk with XXXX XXXX he stated that the were separate and I emailed them to him as well because of the delay. This is costing me money in the longer run. I also gave me work schedule so that I could deal with this in a timely manner so that Citizens Bank had no excuse in getting of a hold of me. I then asked for a supervisor I spoke with XXXX. He stated that he would look in the matter weeks went by no word. I was getting frustrated. It then went to the XXXX which is the board of something and stated she would look into the matter. She is purposely calling when she knows that I am at work and ca n't talk
Product: Student loan

I paid off an existing XXXX XXXX XXXX with Aidvantage. However, the payoff balance they provided to my new lender was too high, resulting in an overpayment of {$210.00} When XXXX full month and statement cycle had passed without a refund of the over-payment or any communication at all from Aidvantage confirming the payoff, I contacted Aidvantage via phone to request the refund. The phone agent said it would be processed and a check sent to me in XXXX days. It has now been XXXX more weeks, and I have not received a refund or any other communication from Aidvantage. 

I have looked again at my online account via Aidvantages online portal. The overpayment is clearly appearing, but there is no communication about refund timing.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -XX/XX/XXXX Balance : {$210.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I SENT OUT DISPUTE LETTERS TO THIS COMPANY ( NCA ), I HAVEN'T RECEIVED A VALIDATION LETTER. IT'S BEEN THIRTY ONE DAYS. IF THEY COULDN'T PROVIDE ME WITH THE INFORMATION I ASKED FOR ; I REQUESTED FOR DELETION IMMEDIATELY. PLUS THIRD PARTYS SHOULD HAVE MY PERSONAL/NONPUBLIC INFORMATION IF THERE ISN'T NO CONTRACT BETWEEN ME AND ( NATIONAL CREDIT ADJUSTERS ) PLEASE SEE ATTACHED INFORMATION ON : SUBCHAPTER 1-DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION AND RECEIPT OF CERTIFIED MAIL
Product: Credit card or prepaid card

I received a decline notice for a XXXX XXXX XXXX ( XXXX XXXX XXXX ) issued through Barclay 's Bank. I never applied for a credit card with Barclay 's Bank and they would provide no information about the source of the application or how it was received or why they had my correct home address to send the decline.