23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, a company named XXXX XXXX XXXX XXXX began pursuing me for a student loan debt connected to XXXX XXXX XXXX XXXX. I was never properly notified or given a chance to dispute the debt before they obtained a default judgment and began garnishing my wages. I had no idea this judgment existed until my checks started being short without warning. 

I later discovered that the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had committed widespread fraud and approved full loan forgiveness for all federal loans tied to that school, including mine. I received a refund from the Department of Education for every dollar paid toward those loans. 

This debt was never a private loan. XXXX claimed I owed money beyond what financial aid covered and sold that false debt to collections without my knowledge. XXXX, XXXX XXXX XXXX and XXXX XXXX garnished thousands from my paychecks while I was a single mother supporting my family. This took food off my table and money away from my children, all over a debt I never truly owed. 

Now theyve offered to stop collections and release the judgment, but I am seeking justice. I want a full refund of the garnished wages and accountability for the financial and emotional damage they caused. This debt should never have been collected to begin with.
Product: Checking or savings account

On XX/XX/ at XXXX XXXX I attempted to make a cash deposit of {$340.00} into the ATM at regions bank .. the atm screen showed an error message, my deposit was not debited to my account and the atm did NOT give me my cash back. I IMMEDIATELY tried to check my balance following the transaction to see if the cash was deposited and it was in fact NOT deposited. I then immediately called the regions customer service line and filed a complaint while still sitting at the ATM. I did not leave that atm until my claim was filed. Now almost a month later, I have received a letter stating their atm was in balance and they are taking my money. THAT ATM ATE MY MONEY. I WANT the camera footage pulled up and my money left ALONE. I will be filing more and multiple complaints with Regions until this is resolved. I took pictures of the ATM that caused the issue I immediately called without leaving the ATM. I want the camera footage if you can not fix this error on your own. That is MY money and their ATM made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i disputed a collection that was wrongfully placed on my consumer credit report.the collection company XXXX XXXX XXXX XXXX and XXXX XXXX has DELETED /REMOVED the collection of my report ON but experian and XXXX is still have it reported, this is a violation of my rights, its a violation of my privacy they are reporting inaccurate information on my consumer credit report and that needs to change.my rights has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

XXXX XXXX purchased a XXXX XXXX Debt but failed to give me a proper notice in regards to the way this account would adversely affect my credit report nor did they give me the opportunity to resolve it before they credit reported. 

I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed.
Product: Credit card

In XX/XX/year>2024, I was contacted by Amex about a security breach on my account. Amex told me that they would be closing that account and issuing me a new card. I received the new card, which had a new account number. 

Meanwhile, my partner, whose annual fees were paid in XX/XX/year>2024 along with my own, never received a new card for the new account. As he does not use the physical card often, he did not realize this until three months later. I called Amex and requested a replacement card for my partner for the new account. My partner did receive a new card, which we assumed for for the new account. 

Only this week, while doing an annual review of our accounts, did we spot an second charge of {$190.00} for my partner 's Amex card. While trying to get credit for this superfluous charge, I have discovered that Amex never closed the account that was subject to a security breach. While I received a replacement card for a new account number, my partner was reissued a card for a supposedly closed account. 

Amex failed to close an account that they said was subject to a security breach. But they went ahead and created a new account number and issued me a replacement card with that number for no charge. Meanwhile, my partner has been charged twice the amount of {$190.00} for an breached account. 

I have been trying for nearly two hours to get Amex to issue me credit for the overcharge. But more importantly, this failure by Amex to fully address the security issue from a year ago shows egregious behavior on their count.
Product: Credit card or prepaid card

USAA will not allow a credit card product change. I want to switch reward programs. They claim that the " Card Act '' will not allow me switch credit card products and that in order to do so I would have to open a new line of credit. USAA is the only company I know of that will not allow a product change. It is unfair to the consumer. The purpose of the law is to protect the consumer. Instead USAA uses it to keep costumers from negotiating better terms while allowing USAA to change the terms of the deal ( intrest rates, reward points, etc. ) at will. This means its possible for a consumer to open a line of credit with USAA due to an appealing reward program, and then have USAA changes the rewards program without allowing the customer change products.
Product: Checking or savings account

On XX/XX/year> I tried to transfer fund from Capital One to Fidelity. Both are my accounts and all of my fund in Capital One are direct deposited from XXXX, which is where I work at. Capital One refused to transfer when I tried to pull from Fidelity, and also declined transfer when I tried from Capital One. I contacted Fidelity and Fidelity said my account is not flagged on their end. Capital One website has a message saying " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I called the number and no one is available. The fund in Capital One is all direct deposit from my payroll, and Fidelity account is in my name. I should not be restricted from transferring fund across my own accounts.
Product: Checking or savings account

On XX/XX/XXXX I deposited a treasury check on my PNC business bank account written to my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to a pnc branch in XXXX XXXXXXXX XXXX XXXX, the representative who attended me said your account is frozen for suspected fraud and irregular activities, not to mention the representative was frightening me that my account activity looked odd and very unusual I felt accused of conducting fraudulent activities and mistreated by this employee he said forget about this account being useable again 98 % of the time this is escalate and frozen until authorities decides what to do with theses type of accounts. 
He gave me a phone number to call, he said is nothing we can do here for you here be very patient and expect at least 6 months for this to be resolved. 
I called the number on XXXX XXXXXX/XX/XXXX and no-one was available I was instructed to leave a voice message and someone will get back to me. 
I called back XX/XX/XXXX and another department answered they said the account was released from being frozen but the treasury check needed to be verify. 
on XX/XX/XXXX I contacted a relationship banker who helped me open my account at PNC BANK, she said to provide a letter or some proof this treasury check was given to me by the IRS, I provided this information but up tomthis point my funds continue to be held and no one at this institution is able to give precise and concise answers on the check given to me by the IRS. 
Every time I called this institution calls go up to 3 hours, I can not keep up with this institution this situation is causing me problems financially and in my business and job.
Product: Credit card

The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Bank of America refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Bank of America. Bank of America made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Bank of America 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Bank of America refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests.
Product: Checking or savings account

I recently moved to a state where they do not have the bank I currently use in which is XXXX XXXX. I decided to open a account with Bank of America ( online ) I tried on two occasions thinking I entered my info wrong because I got a denial response. I was denied the second time. I contacted Bank of America and they said I owe them money for an account that was in my name that had an outstanding balance. I told them that was impossible and must be fraud. They would not listen to me. They said the account was from some years ago but they said they could not retrieve any other info on account or debt. I had a account with Bank of America in 2017 in which I closed. Therefore, I know the debt is fraud because I would not have been able to open this account iif I had owed the bank a previous debt. Bank of America was a lender on my Federal Student Loan but that was 8 years ago and I am paying that debt to Federal Student Loan Dept. Bank of American employees have been very rude and not trying to help me resolve this matter. When I closed the account I had with Bank of America back in 2017 it was due to wrongly being charged unnecessary fees and always greeting letters from them that my account or info might have been jeopardized. I also received settlement checks from the as a part of lawsuits filed by customers for wrong charges. I thought by now Bank of America would have straightedges up their act and business practices. I will also be filing this complaint with the Federal Reserve. Thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charges fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Experian for their failure to respond to a dispute letter I sent in XXXXXXXX XXXX regarding inaccuracies on my credit report. Their lack of response and failure to provide notice of investigation or method of verification constitutes clear violations of the Fair Credit Reporting Act ( FCRA ). 


1. Violation of FCRA 611 ( a ) ( 6 ) : Under FCRA 611 ( a ) ( 6 ), credit reporting agencies are required to provide the consumer with a notice of investigation and the results, including the method of verification, within 30 days of receiving a dispute. Despite my dispute letter sent in XX/XX/2024, neither XXXX nor Experian has provided me with any notification of their investigation, nor have they informed me of the method used to verify the disputed information. 

2. Continued Reporting of Inaccurate Information : Both XXXX and Experian have continued to report inaccurate information on my credit report without providing any justification or validation for doing so. This has resulted in continued damage to my credit score and hindered my ability to obtain credit, which has caused financial and emotional distress. 

3. Entitlement to Damages : Under FCRA 616 and 617, I am entitled to seek damages for willful and negligent noncompliance with the FCRA. I am requesting {$1000.00} per violation due to the harm caused by their failure to investigate and correct the disputed information.
Product: Vehicle loan or lease

This complaint is directed to Santander Consumer USA for violation of XXXX XXXX provisions regarding auto-pay. I have a newly issued car loan with Santander Consumer USA. 
The loan was provisioned via XXXX bank and transferred to Santander. The email message from XXXX XXXX received XXXX XXXX stated The welcome information you will receive from Santander Consumer USA XXXX will explain how to set up autopay with them, so you never have to worry about missing a payment. 
The first statement received from Santander Consumer USA in the mail, dated XX/XX/XXXX, indicated an amount of {$790.00} due on XX/XX/XXXX. The statement included payment options. The statement did not stipulate that auto-pay would be utilized to collect payments. In fact the statement directed me to go to their website to sign up for autopay if I wished to do so. I DID NOT sign up for XXXX. 
Because I am a conscientious and financially responsible person, I made my payment on XX/XX/XXXX in the amount of {$790.00} to Santander Consumer USA through my banks online bill pay servicce. Santander Consumer USA proceeded to auto withdraw funds from my account on XX/XX/XXXX for the same monthly payment in the amount of {$790.00}. I immediately notified Santander on XX/XX/XXXX that they took out a payment that was : XXXX. Not authorized. 
XXXX. Duplicative of a payment that was already made. 
XXXX. Damaging to my bank account balance ( this resulted in a XXXX balance in my account ). 
Santander Consumer USA instructed me to fax in a bank statement showing the withdrawals, request to stop autopay ( even though I never authorized it ), and request to have my account credited with the payment they took in error. I complied with every request despite security concerns with sending my confidential information to an unknown fax number ( they did not offer any other secure means of requesting my money back ). I downloaded a statement of account from my bank which showed both withdrawals and the balance for each transaction and faxed it to the number they provided on XX/XX/XXXX. 
On XX/XX/XXXX Santander contacted me by phone and told me they could not refund the payment because my statements did not show account balance. I indicated I was at that exact moment staring at the statement which stipulated account balance. When I asked them to tell me how many payments were made to my account XXXX in XXXX, they read back the XXXX payments made exactly as I outlined them above. I told them they had XXXX hours to refund the money. 
To date, Santander has not refunded the duplicate payment, nor have they, at minimum, offered to apply the payment to what would be due in XXXX, XXXX. 
Santander Consumer is in violation of the notice requirements of XXXX XXXX XXXX XXXX because they never disclosed that they were using autopay for my monthly payments. Santander Consumer USA is also in violation of the rectification of errors provisions of XXXX. Since this appears to be a process in place between Santander Consumer USA and XXXX XXXX, I am assuming there are many more consumer victims out there.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Removal of Unauthorized Inquiries To Whom It May Concern : I am writing to formally dispute unauthorized credit inquiries listed on my Experian credit report. I have identified the following inquiries, which were made without my authorization : ( SEE ATTACHMENTS ) Under the Fair Credit Reporting Act ( FCRA ), no entity has the right to access my credit report without my explicit written consent. I have not applied for credit, nor have I granted permission for these entities to perform a hard inquiry on my credit report. These unauthorized inquiries are a violation of my rights and have negatively impacted my credit score. 

I demand that Experian investigate and delete these unauthorized inquiries from my credit report immediately. Failure to do so within 30 days of receipt of this letter will leave me no choice but to escalate this matter. I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to pursue legal action for willful noncompliance with the FCRA. 

Enclosed, please find copies of my identification and proof of address for verification purposes. Please confirm receipt of this dispute and notify me in writing once these inquiries have been removed. I expect a written response within the legally mandated time frame. 

Thank you for your immediate attention to this matter.
Product: Credit card

I took a cash out loan to pay off my Home depot Consumer Credit card & the title company overnighted them a check for {$5600.00} on XXXX, it was received in their office on XXXX & deposited on XXXX. They have yet to post the money to my account. I have called numerous times & been given the run around. I spoke to a manager named XXXX XXXX on XXXX at XXXX and was promised this was resolved. 2 days later my money is still not posted to my account & XXXX XXXX is refusing to return my calls. I faxed their payoff department on XXXX with the cancelled check & letter they asked for. They have had my money since almost 2 weeks & done NOTHING to assist me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No action was taken by experian they came back back it was the right information which it was not. 
These disputes were online.
Product: Debt collection

I have a XXXX account on my credit report from southwest collections and this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This address is showing on my Transunion account. I've NEVER lived in XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Gold Key Credit submitted a debt that belongs to a person with similar name as mine, but shows a different address. It reported my address as being the debtor even though Gold Key Credit shows a different address on the debt. It was placed on my credit file report.
Product: Bank account or service

I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Bank of America accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day BOA rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called BOA numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. BOA is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since BOA will not send me this copy of the check they have promised.
Product: Mortgage

I did get behind on my payments never heard anything from them till I got a letter from there lawyer I tried to call to see what I could do and the guy said nothing they want all the money or nothing I asked about getting help and he said you want the papers I said yes and he hung up on me I have contacted a lawyer and she XXXX try to call on my behalf and they hung up on her I waited and waited for the papers it took 3 weeks to get and still havent heard from them about help
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX  from XXXX and U S Bank financed the loan. The interest rate, the APR is fixed at 6.57 %. I noticed when I make additional payment towards the principal balance in the same month the bank is charging interest on the additional payment. For example, if I make two payments in XXXX the bank will charge two interest payment for the month of XXXX. Sometimes I try to make additional payment after the regular monthly payment is paid. It seems like the bank is charging interest unfairly.
Product: Credit card

I am in debt. Big debt. I contacted XXXX in XXXX to help me, especially with my credit cards. They were able to negotiate a lower rate for my XXXX credit card, and they are taking care of that now. 
My American Express card, however, was on a promotion, so the application for a debt management program was rejected. The promotion ended in XXXX. The DMP was accepted, then the payment was increased, then the whole thing was rejected. 
I received a letter from AmEx telling me to contact them about their internal DMPs. So I did. 
Once again, I was rejected. The customer service rep, however, could n't tell me why. No one can tell me why. Apparently, no one knows why. I kept asking how I was supposed to correct the problem if I did n't know what it was, but I got the same answer. 
One representative told me she thought it was because my account was current. ( I have been making regular payments of a little more than the minimum. ) I should skip my XXXX payment and call back, she said. Or, I could call back closer to my due date so it looked like nonpayment was more imminent. She would not close my account, even though I asked her to do so at least twice. 
Another rep told me to reapply in 60 days. 
XXXX was told to reapply in 60 days, but another rep told them that a rejection was final. 

What the heck?