23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a conventional 15-year fixed-rate mortgage with PenFed on XX/XX/2021. The initial application and lock process was great, and we waited for underwriting. 

On XX/XX/2021 we were asked if we had an attorney for closing. We did not and advised PenFed as such. Based on prior experiences as well as the loan estimate, we anticipated closing with a notary public for the quoted cost in the loan estimate. On XX/XX/2021 PenFed advised that Connecticut is an " attorney state '' and the services of an attorney would be required. We also learned that there was no estimated cost for this service in our loan estimate. 

We contacted an attorney who quoted a cost for closing services of {$750.00}. PenFed made no attempt to estimate this cost in the loan estimate. This, despite knowing an attorney would be required for our closing. Absent any other explanation, it would appear a mandatory cost of closing was purposefully excluded from the loan estimate to make PenFed appear more competitive. We had chosen to lock and proceed with PenFed based on this loan estimate as it appeared to be the lowest cost when compared with other lenders. 

On XX/XX/2021 we requested a revised loan estimate to include the mandatory cost of an attorney-provided closing, a lender credit from PenFed to cover the cost of attorney services, as well as credit for the {$75.00} in fees PenFed incurred with our current lender by requesting three separate expedited pay off quotes. Our current lender advised that the request for expedited pay off quotes is rare, and despite multiple requests, PenFed has not explained why they needed to do this three separate times. PenFed declined to provide a revised loan estimate, nor did it agree to any lender credits.

We understand that PenFed may be legally obligated to cover the omitted costs under TRID rules. However, rather than pursuing that with a lender whom we had lost trust, and after learning that PenFed were not in fact the lowest cost lender, we decided to pursue a loan with a different lender. 

We are left with {$75.00} in fees which we did not authorize, the soft cost of inquiries to our credit ( PenFed took so long in underwriting that we had to take another credit hit with the new lender ), and weeks of wasted time. 

We had hoped that upon advising PenFed of their error, PenFed would do the correct thing. They did not. Future applicants should be aware that PenFed does not provide a good faith estimate of closing costs, will request multiple expedited pay off requests without explanation and is not interested in hearing about issues.
Product: Checking or savings account

Complaint : I am filing this complaint because I feel coerced into using Merrill Lynch XXXX ( ML XXXX  ) as my brokerage and investment platform due to XXXX XXXX XXXX at Bank of America ( BofA ). 

It appears that my spouses employment agreement or company policies mandate that family members must utilize ML XXXX for investment services. This requirement restricts my ability to freely choose financial products and services that align with my preferences, needs, and rights as a consumer. 

This coercion : Denies me the ability to use alternative investment or brokerage platforms that may better meet my financial goals and needs. 

Creates an undue financial dependency on Merrill Lynch XXXX without clear justification or disclosure of consumer choice. 

Forces my household into a financial relationship that may not be in our best interest, violating principles of fair consumer treatment. 

I find this practice to be both unfair and potentially anti-competitive, as it limits my freedom as a consumer. I am requesting that the CFPB investigate this policy to determine if it violates any consumer protection laws or principles. 

Details of My Experience : XXXX XXXX XXXX XXXX by Bank of America, and it is my understanding that their policies explicitly require family members to use ML XXXX  for investment accounts. 

I have experienced delays in opening accounts, difficulties transferring funds, and limited investment options. 

I am unable to seek more appropriate financial options because doing so would negatively affect XXXX XXXX XXXX XXXX, further compounding the coercion I feel. 

Resolution Sought : A clear investigation into whether Bank of America and Merrill Lynch XXXX are violating consumer protection laws. 
Assurance that no consumer or household member should be coerced into using specific financial services under such circumstances. 
Thank you for addressing this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX ; I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see inaccurate accounts, and I have no idea how they appeared. I check my report regularly, but these discrepancies suddenly popped up. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The incorrect accounts remained there, and because of this, I am requesting that the documents I've provided be reviewed thoroughly so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to PRofessional debt and all credit bureaus. This fraudulent accts was deleted in XXXX & placed back on my consumer profile this month. I am tired of my report being impacted with this fraudulent account per 15 USC 1602 & 15 USC 6802! 

Please remove this account permanently it is ruining my reputation and messing with my mentality! Please remove from XXXX and XXXX I have also contacted all parties, my next step is litigation
Product: Checking or savings account

I was victim of fraud at the end of XXXX and beginning of XX/XX/year>. 
My XXXX  son was urged to send a total sum of {$7000.00} to someone by the name of XXXX XXXX who claimed his life and our familys was in danger and urged him to send this money to stop this and save us. He was also told not to tell ANYONE about this as it will hinder her work. 
When I noticed the charges on my account I was unaware about the situation and I called my financial institution, JP MORGAN CHASE to notify them that there were 2 unrecognized charges on my account and asked help in finding a resolution, they informed me that there were more charges than I was aware about. A Chase agent provided me the dates and amounts my account was charged, then we proceeded to submit my claim. In less than XXXX hours I was informed via a digital letter than my claim was denied. I was not specifically given a reason why it was denied so I called my financial institution one more time. The agent that handled my call advised me that since there were more than one charge to my account, they denied my claim. I then told the agent that, since I added more security to my account per their advice the charges have stopped, I changed user name, my password added security questions, and a PIN or safe word to my account and also disabled XXXX. The agent persisted that there is nothing they can do to help me.
Product: Checking or savings account

I deposited a check that was my rent deposit from a property we were renting. The hold reason is repeated over drafts, and I haven't had an overdraft on that account at all as it is a safe balance account. On the account were the over drafts did happen I deposited a check for the same amount and it was released the same day. Per the email from wellsfargo the check was to be released on XX/XX/24 9 days after the deposit. and now its going to be 12 days for no apparent reason. There were numerous over drafts on the closed account due to account being allowed to over draft upto 3 in the same day. Once it was cleared up and you cleared a check in 1 day versus 12. If you would have advised me that I wouldn't have the funds by XXXX then I would have just went to the issuing bank to get it cashed. 

Wellsfargo is saying they don't have the funds yet, but the check issuers is saying it has sent the funds already for days.
Product: Credit reporting or other personal consumer reports

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. 

[ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be handled in a similar manner.
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. Account name : XXXX XXXX XXXX # XXXX xxxxxx Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : us dep of ed/XXXXi # XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Adverse information is being reported on my account to credit bureaus. Sync provided a letter to me stating no delinquencies have been reported. But XXXX and XXXX continue to report it after numerous disputes because they say Synchrony is affirming that the adverse information ( account closed, was 60 days past due ) is correct. Voluminous hours making calls, sending letters, filing disputes, using chat STILL have not resolved this problem. It is not being properly investigated and RESOLVED.
Product: Credit reporting 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 and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 that the information is inaccurate.
Product: Checking or savings account

am writing to formally express my concerns regarding Discover handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using discover numerous times and reporting discrepancies, my financial institution and discover failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that discover has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by HYUNDAI CAPITAL AMERICA. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Product: Money transfer, virtual currency, or money service

Hi, I have initiated a money transfer with Ria Money Transfer on XX/XX/2018 and normal processing time was 2 to 3 days. It's been more 14 days and whenever I contact the customer support they are mentioning the amount will be credited in 24-48 hours. I have been hearing this for past 10 days and so far no action. Tried reaching out to the supervisors in Ria customer support but no one is available to support this.

I have been following up with Ria for a Refund but have not got any positive response for past 10 days.

Please find the Transaction Number XXXX
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to investigate every piece of information on the XXXX XXXX XXXX account and the XXXX XXXX XXXX XXXX XXXX Account. According to FCRA, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom his is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible, if they did not do a proper investigation. According to the FCRA 15 USC 1682 everything must be 100 % accurate. I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Product: Student loan

I was told or shown under a XXXX  link on the internet that there were low income repayment loans. I already have one through XXXX. But I called the number anyway because of fear of this ending soon. I called XXXX XXXX XXXX and they told me that if I made 3 payments of {$230.00} in three months that they would write off all of my debt after that. Now all of my dad is {$160000.00}. Which I thought may not really be true but he kept contacting me and we filled out papers and he needed to know that I would have a job and I hadn't had a job yet and then I was getting one. I'm in a helping profession so I thought that this could be legit because I had heard that there are loan write-offs but these types of positions and I thought that this was one of the ways I could go about doing it. But the last time I spoke with him he asked me for my debit card number and just wanted it on file he said for when I sign papers and said that everything was fine and that they could charge my card.
Product: Money transfers

XXXX and XXXX XXXX began receiving phone calls indicating that they should expect a loan modification regarding their mortgage in the mail. They then received the attached loan modification agreement, and sent a trial payment in the amount of {$920.00}. They have continued to receive calls asking for further trial modification payments. The scam is very sophisticated in that the paperwork looks remarkably similar to an Ocwen HAMP modification, the payment amount is possible with a HAMP modification, and they reference guidelines that are sometimes possible ( a loan rate of 2 %, three trial payments, etc. ) Whoever is running the scam has knowledge of default servicing. All contacts via telephone appear to have XXXX accents. Recordings of the calls are available upon request. Name listed in the mod paperwork was XXXX XXXX, his email used was XXXXXXXXXXXX.
Product: Money transfer, virtual currency, or money service

We have a USAA checking account that is connected to another bank that we bank at. Someone got access to our USAA checking account and attempted to transfer {$5000.00} from our other bank to our USAA checking and straight from there to another USAA account. We did not have {$5000.00} in our other account. This was late in the evening on Friday XX/XX/XXXX. USAA allowed them to complete this transaction, placing a hold on {$4000.00}, but allowing them to take {$1000.00} plus everything in our checking. They took everything except {$0.00}. That would have been approximately {$250.00}. My husband discovered this around XXXX Saturday morning. He immediately called USAA and talked to their fraud department. They assisted him in changing all our passwords and Issued new cards. We were locked out of all our USAA accounts. They said for 3 days. We called back on Wednesday because we were still locked out. We were told to give them more time. On Saturday we called back and were told they decided it wasnt fraudulent. They said they would resubmit it. We were locked out of our accounts for another week. We also received a letter from them stating we owed them over {$900.00}. Today, XX/XX/XXXX, we received another letter stating that as of XX/XX/XXXX, they decided that our credit card would be the overdraft protection for our checking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$2000.00}