23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Information under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681o, you are liable for negligent noncompliance with the law, including failure to maintain accurate consumer information and properly investigate disputes. 

The following item ( s ) on my credit report are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputes documentation ( e.g., payment records, correspondence with the creditor, etc. ) to verify that this information is incorrect. Under the FCRA, you are required to conduct a thorough investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving this dispute. 

Failure to correct this error constitutes negligence under 15 U.S.C. 1681o, and I reserve the right to pursue legal action, including seeking damages for harm caused by this inaccuracy.

Please provide written confirmation of the results of your investigation and any corrections made to my credit report. If you need additional information, you may contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of America is reporting this fraudulent information to my consumer reports. They are disregarding the law. They are not supposed to report information associated with identity theft unless I informed them to. I never authorized them to report this fraudulent information.
Product: Credit card

On XX/XX/XXXX I hired a web development company ( XXXX ) to build me a customized website for my business. The projected completion was 4- 6 weeks. After many delays and given the run around my website was still not completed after 6 months. A final project completion of XX/XX/XXXX was set and never met. I was very patient and cooperative through the entire process. After voicing my concerns and frustration to the company they still continued to delay. I immediately requested a refund that they refuse to issue. I then filed a dispute for the charges ( {$860.00} and {$2100.00} ) with Discover. After waiting for almost 30 days for the dispute process, Discover did not reverse the charges. I called Discover multiple times to explain the situation to 3 different supervisors. They kept telling me I need to get something in writing from the company that a refund is owed. I do not understand how that is possible when the company does not want to refund my money or complete my website. I submitted all my supporting documents showing that the complete website that I paid for was never delivered. So basically I am paying for something I never received. Despite all of this, Discover still refused to reverse the charges. I need Discover to take the fact that I NEVER received what I paid for and reverse these charges immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

We applied for a mortgage with Ally Bank and were approved to close on XX/XX/2018. 

A problem came up last minute where the city refused permission to repair the existing septic and required a city sewer hookup instead. The city was not able to provide dates where this could take place. 

1 ) Ally refused to close without the work being complete. Other lenders will proceed with a hold back of funds for the work. 
2 ) Ally refused to allow a new rate when the lock expired, instead instituted a {$340.00} fee every 5 days rate extension fee until the work was done. This is the equivalent of a blank check, which is not workable. 
3 ) Ally refused to release our appraisal which WE paid for up front so that we could use it for a mortgage company that was willing to close with a funding hold back. 

Ally gave us no options except an open ended and rapidly escalating fee. I feel our appraisal is being withheld out of spite as other financial institutions will transfer appraisals. The situation was not our doing, yet Ally gave us no option but to pay them thousands of dollars in extra fees.
Product: Checking or savings account

I hope this email finds you well. I am writing to express my deep concern regarding the multiple overdraft fees that have been assessed on our business account, over the past few months. We value our relationship with JP Morgan Chase and have always been diligent in managing our finances, but we are currently facing some unforeseen financial hardships that have made it challenging for us to keep up with these fees. 

Our business, XXXX XXXX, like many others, has been significantly impacted by the economic challenges of the past year. The ongoing pandemic and its repercussions have resulted in a substantial decrease in our revenue, and we are currently not making a profit. We are actively working on reorganizing our financial situation to ensure the long-term sustainability of our business. 

Given our present financial obstacles, the overdraft fees have added an additional burden that we are struggling to manage. Every cent counts for us at this moment, and we believe that waiving these fees would provide us with the breathing room we desperately need to stabilize our financial situation. 

I kindly request that you consider our situation and grant us the relief of waiving the overdraft fees that have been charged to our account. We have been loyal customers of JP Morgan Chase for several years, and we genuinely appreciate the banking services and support you have provided to us throughout our partnership. 

If possible, we would also appreciate any guidance or assistance you can offer to help us avoid similar financial challenges in the future. We are committed to working diligently to restore our financial stability and maintain a positive banking relationship with JP Morgan Chase. 

Please let us know if there are any documents or information required from our end to process this request promptly. Your understanding and assistance in this matter would be immensely helpful to our business during these trying times. 

We look forward to your positive response and appreciate your attention to our request. Thank you for your time and consideration.
Product: Credit card

This is from my correspondence with Citi Bank : I have not used any cards from CITI Bank since XX/XX/year>. However, on XX/XX/year>, a payment of {$69.00} was made to XXXX XXXX for an annual membership using a card ending in XXXX. As soon as I found out about this, I opened a dispute that this card had been lying unused since XXXX and was in a safe place in the safe. Further, I did not use the services of the XXXX company and did not order any annual membership, much less pay for it. Nevertheless, the bank made a decision that was not in my favor, which surprised and outraged me. XXXX is known for its unfair treatment of customers, and I am not the first to be signed up for an annual membership against my will. On the XXXX website, annual membership can not be canceled, and payment is non-refundable. This is XXXX of the signs of fraud. 
I declare : - I consider this money stolen from me. 
- I demand the bank to recover this amount from the XXXX company as illegally received and credit it to my account. 
So, for the second time, the bank decided on the dispute, which was not in my favor. I would like to see the results of the investigation, for example, copies of documents with my signature, online activity from my XXXX XXXX  on the XXXX company website, or anything else that could be evidence. Until then, I consider this investigation to be unprofessional, unfair, dishonest, and, at a maximum, containing signs of collusion between the bank and the XXXX company. 
Therefore, I demand that you familiarize me with the results and the full text of the investigation. Until then, I continue to consider myself a victim of a crime, and the {$69.00} and accompanying bank charges have been stolen from me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. ACCOUNT : Delete account : ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX  : # XXXX, ACCOUNT : XXXX XXXX : # XXXX. Also please remove the following INQUIRY : XXXX  XXXX XX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 

XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Automotive XXXX Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment
Product: Credit reporting or other personal consumer reports

I have a complaint regarding with credit report which is showing inaccurate account status, Status which is already closed. Here is the proof-
Product: Money transfer, virtual currency, or money service

Iam writing formally express my concerns regarding Zelles handling of dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle number times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible The CFPB findings indicate that Zelle has not only neglected to protect consumers but has not only allowed repeat offenders to exploit the system leaving users vulnerable to scams The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit card or prepaid card

Ordered # 1 XX/XX/2021 Tracking # XXXX ( more than 120 days see attachment ) Delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX Amount : XXXX Item was returned via XXXX label provided by seller ( see attachment from XXXX ) Amazon refunded the fees on their side but Synchrony Bank ( Amazon Store Card ) refuses to refund the charges. I filed a dispute in XXXX and the continued to string me along and now the dispute is apparently still open but I am paying on the card Order # 2 XX/XX/2021 Tracking # XXXX XXXX XXXX Front & Rear Performance Suspension System ( XXXX ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ALL ) Amount {$1600.00} Same situation Item was returned via XXXX label provided by seller ( see attachment from XXXX ) Amazon refunded the fees on their side but Synchrony Bank ( Amazon Store Card ) refuses to refund the charges. I filed a dispute in XXXX and the continued to string me along and now the dispute is apparently still open but I am paying on the card
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  And others see attach
Product: Mortgage

I have been with Mr Cooper 17 years and have never missed a payment. I have been in the process of refinancing my home and the loan officer is XXXX XXXX XXXX. For the past XXXX weeks I have reached out to her 3 times and she has failed to follow-up with me and has failed to provide the customer service. I called on Saturday XX/XX/2020 Me Cooper to comment on my experience and a manager would call me back. It is Tuesday XX/XX/2020 and I called again Mr Cooper and was on the line for 47 minutes with no guidance or customer support to remedy the situation. This experience no customer should endure. I highly recommend you do not do business with Mr Cooper as you will regret the negative experience.
Product: Debt collection

Mercedes Benz Financial is inaccurately reporting a debt on my credit reports with XXXX, XXXX, and XXXX. While the account is showing as " closed, '' this does not resolve the issue, as the debt has never belonged to me and should be removed altogether.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), I have the right to dispute inaccurate information, and the credit bureaus are required to investigate and correct these errors. Additionally, Section 623 ( 15 U.S. Code 1681s-2 ) mandates that companies reporting information ensure its accuracy. This accounts presence on my reportsclosed or notreflects incorrect data that needs to be fully removed.
Product: Debt collection

I received a voicemail on XX/XX/2019 ( transcript attached ) from this company. The message was very vague but tried to imply there was some legal action they were going to make. 

I called the number provided to get more information on the " unresolved business matter '' and they refused to or were unable to provide any information other than I supposedly had a loan they were collecting on. 

I asked for the details about the loan and the lady said it was deposited to a XXXX (? ) bank account. I told her I do not have an account with any bank with that name and she told me sometimes they get the bank information wrong. 

I advised her I do not have any outstanding loans and asked for the name of their compliance officer so I can send over documents disputing the debt. 

She was not able to tell me who the compliance officer was. All they would do is give me a fax number to send anything I wanted to send. 

I sent the attached documents but never heard anything back.
Product: Consumer Loan

I had a vehicle that was stolen in XXXX XXXX. I made my monthly payment to Ally Financial early for that month and called to request that the payment be returned because the vehicle was stolen. They returned the payment and awaited payoff from my insurance company. 
I called ( Total Loss department ) weekly to make sure they needed nothing else from me and when I called in XXXX they stated they had everything and had received a check from my insurance company and communication from the GAP company. I was told I was all set. 
Fast forward to XXXX XXXX, XXXX I missed a call from an unknown number and called it back the following day after a second call. It was the collection department at Ally. They stated I owed approximately {$5400.00}, after being transferred, it finally became {$670.00} after being researched. 
XXXX different representatives ( because XXXX disconnected the call ) in escalations ( XXXX and XXXX ) advised XXXX different reasons as to why it was XXXX and I am just being notified of a balance. XXXX stated that it had to do with an incorrect payoff amount being given to XXXX XXXX. The time it has taken to notify me of a balance that I do not believe I owe is ridiculous.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account XXXX XXXX XXXX  Account numbe XXXX However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

I deposited a USPS money order last month into my Bank of America account and it was held for 9 days. It cleared eventually but I was charged service charges on items that automatically come out of my account based on this same check clearing every month in a timely manner. There was no reason to hold this money order when I told rep to check the past and see that I make this deposit every month. Nothing was done. I have been a customer of BOA for over 20 years. As a courtesy they should have released the deposit. 

bOA rep told me that the payer had put a hold on the check, this statement was not true. I have deposited the same check for over 3 years into my BOA acct, with no holds. 

I deposited another check yesterday I received, from a large MAJOR legitimate insurance company and BOA is holding this check, unnecessarily. I feel that this is obviously an unfair subjective practice based on race.