23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX Bank of America Refi DEBACLE. We started a refi with BOA and were especially wary because the last refi we tried, the account manager left the company and our refi never got locked in. This time around we tried again thinking as customers for XXXXyears that we would be in good hands. NOT the case. 
1. our new contact person was not knowledgeable. Would call me from a friends house where he was getting help on our refi. Would call me very late at night making me feel that I was not a priority to be worked on during business hours. Had me jump through SO many hoops that even my CPA put in a formal complaint.

2. Once the refi application went in, the adjusters took so insanely long that it held us up from just moving on to get a refi elsewhere. Rates started to climb and we wasted our time with BOA.

3. Ongoing lack of communication, complaints into the main number were how we got calls back. Finally a refund of an appraisal was issued when it was no longer transferrable due to the long time delay.

4. Even our letter stating we were declined the refi was never received and we had to call to find out what was taking so long. At that point we didn't want to go through the process again but were determined to not do business with BOA any longer and were motivated to take our mortgage elsewhere due to the back experience! We realized just how bad it had been with BOA, when we saw how EASY and SIMPLE it was with a local mortgage broker who helped us. For example : when I said to the new person, let 's do a XXXX ( like what BOA had us apply for ) he immediately said oh no you'll never get approved for a XXXX we have to do a 30 year. wow! just showed us how little our BOA person knew about refinancing. 
5. there are so many more examples but we're just plain worn out by BOA and thankfully moved our business elsewhere and got a refi approved with a new company!
Product: Credit card

I never understood how bad it was until it happened to me. Now my life will never be the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL Inquiry : XXXX XXXX, 2020.
Product: Debt collection

My company was going to garnish my wages for a debt in 2005 not sure what for. SACOR financial is the company who started this. I have no idea what this could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 XXXX This is a duplicate account on my credit report, I have reached out to the company and the current debt collector.I have also made a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 604 Section 2 : States a consumer reporting agency, can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On or about XX/XX/2024 I requested a transfer of {$800.00} from go card to my debit account. I provided the required direct deposit information and on XX/XX/2024 was given confirmation that the transfer was successful. However, {$500.00} of that transfer was pulled from this account and never arrived at the receiving account and has also not been returned to the go card. It is in limbo somewhere. The receiving bank has no notification that any money is pending despite it being 4 business days since confirmation was received and I can not get ahold of a human agent despite making 72 attempts over the last three days at various times of the day. I want my money refunded immediately.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under federal codes & regulations : 15 USC 1681 & 15 USC 6802. 16 CFR Part 433, 16 CFR 660.3, and 16 CFR Part 313. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX & XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX All the corporations above are in violation of my rights. Please reference the relating federal codes & statue regulations below : 15 USC 1681 section 602 ( A ) section states : I have the right to privacy.

15 USC 1681 section 604 ( A ) ( 2 ) section states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency can make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) section states : 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.

15 USC 6802 ( A ) section states : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

16 CFR Part 313.4 states : You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers.

16 CFR part 313.7 states : You are required to provide an opt out notice. The notice must state : that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party.

16 CFR Part 433 states : It is an unfair or deceptive act or practice for a seller, directly or indirectly, to : take or receive a consumer credit contract that fails to contain the following provision : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

16 CFR Part 660.3 ( A ) states : Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Product: Money transfer, virtual currency, or money service

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

In XXXX of XXXX, Usaa bank and their " perferred partner '' XXXX XXXX XXXX pushed through a loan on a truck that was falsely advertised and in the contract was stated as a limited when it is infact not. The original loan assessor had declined the loan stating the vehicle was not at value and did not have advertised items. After 24 hours and a conversation I was not priviledge to the loan officer and the sales associates came to an agreement and the loan was granted. I became extremely skeptical about this but a new loan officer was attached to my account and I was sold a truck that is not what the sales company stated it was inorder to get the loan approved I believe the loan officer and the salesman came to an arrangement on the contract allowing it to go through. The truck is worth maybe 2500 in current condition and I am stuck with a XXXX loan. This loan was based on the trucks condition of good or very good when at best its poor. Stated there would be a new timing belt which couldnt be verified due to replacement sticker not being on case and without opening the case I'm having to trust their word. The lift was done incorrectly the power steering rack doesnt operate correctly, does not run perfectly, had tears in seatbelts, there isnt a tow package on the vehicle which was stated in thr loan, non alloy wheels, no bluetooth XXXX, and basically 80 % of the actual advertised truck condition was a lie.I tried asking what changed and why they approved the loan when I realized they forged documentation stating the truck was limited and it most certainly isnt. I havent been able to get either company to take responsibility and they both stated to take them to court.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX is reporting a late payment and shouldnt be according to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Bank of America has a fraudulent XXXX XXXX deposit showing up in my bank account I did not receive this money. I have been having a lot of fraudulent activity going on. I believe Bank of America has fraudulently put this money in my account to get me in trouble with XXXX I tried to ask her to report it as fraud and she would not. 
There was also a check card deposit in my deposits as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at my records youll see I never received an XXXX XXXX  deposit of XXXX I believe they are trying to get me in trouble with XXXX  Thank you for looking into this matter
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to the balances on my credit report regarding the following accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to ensure that all information included in my credit report is accurate and up-to-date. 

Details of the Accounts in Question : Creditor Name : XXXX  Account XXXX Current Reported Balance:XXXX Correct Balance : XXXX I have reviewed my credit report and discovered that the balances for these accounts are incorrect. Please conduct an investigation as required under the FCRA and update the balances to reflect the accurate amounts. I have enclosed supporting documentation, including [ e.g., recent statements or payment receipts ], which confirm the correct account balances. 

According to the FCRA, you are required to investigate my dispute and update or remove any inaccurate information within 30 days of receiving this letter. If your investigation reveals that these balances are incorrect, please provide me with a corrected copy of my credit report. 

Please send me written confirmation that these updates have been made, or inform me of any action you intend to take. I appreciate your attention to this matter and look forward to your prompt resolution.
Product: Credit card

To Whom It May Concern, XX/XX/XXXX I found out XXXX had charged my credit card on XX/XX/XXXX upon reviewing my charge card statement. This was an auto-renewal that I did not approve. 

XX/XX/XXXX I called XXXX and was told to fill out a request for a refund online. I did and the request for the refund was denied. I called back and was told the services were paid through XX/XX/XXXX. No refund. 

I told XXXX that I was paying for an auto-renewal I had cancelled on XX/XX/XXXX. I had sold my business and NO LONGER NEEDED the website. 

XX/XX/XXXX I filed a dispute with Capital One credit card. 

XX/XX/XXXX Capital One credit card ( after I had sent all requested information ) denied the refund. It seems no matter what I sent in, Capital One did not want to assist me. 

I am planning on reporting/filing legal and governmental assistance on Capital One and XXXX 

Thank you for your assistance, XXXX XXXX
Product: Consumer Loan

In a moment of desperation I came across Ace Cash Express online and applied for an installment loan. i was happy to be approved as my credit is not great. i then realized what kind of interest and penalties this company was charging and i was appalled! I then qualified for a consolidation loan with my local credit union. XXXX XXXX XXXX XXXX XXXX. I had other loans to consolidate and when i approached these other institutions for a 10 day payoff they were compliant and helpful. When i attempted to receive my XXXX payoff from Ace Cash Express they were extremely difficult to work with. instead of an official statement with payoff and accounting they would only send me very vague hand written emails. this was unacceptable to my credit union and has delayed my ability to pay them off. and everyday the loan is accruing interest. i need all the loans paid off in XXXX shot with this consolidation loan, and Ace is stonewalling me from getting the proper documents. i called over a dozen times, spoke to numerous supervisors, and emailed them at the headquarters. i was still never able to receive a statement of accounting or an official 10 day payoff. i began to research this company and found tons of information about extortion and fraud they committed. Multiple fines from the California XXXX, and there is even a {$10.00} XXXX settlement with your Bureau of Consumer Financial Protection
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. THEY HAVE BEEN CONSTANTLY SHIFTING THINGS ON THIS ACCOUNT LIKE MY OPEN DATE, CLOSED DATE, ACCOUNT STATUS & PAYMENT HISTORY. 

1.THEY HAVE CHANGED THE CLOSED DATE OF THIS ACCOUNT 3 TIMES FROM THE ORIGINAL CLOSED DATE OF XX/XX/2022. 

2. INACCURATE OPEN DATE, REAL OPEN DATE : XXXX XXXX 3. ACCOUNT IS CLOSED BY CREDIT GRANTOR. WHY ARE THERE STILL CHARGE OFFS/PAYMENT ACTIVITY STILL OCCURING EACH MONTH AFTER CLOSED DATE ON THIS CLOSED ACCOUNT?

4. NO XXXX CODE SHOWING FOR CLOSED ACCOUNT. THERE SHOULD BE A CLOSED ACCOUNT CODE OR NO DATA CODE.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FRAUDULENT ACCOUNTS XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with comity bank / torrid. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified Torrid. Torrid continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.