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

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2022. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Product: Mortgage

Paid off conventional mortgage XX/XX/year>. Still haven't got lien removed from the deed. As of XX/XX/year>. Started calling XXXX asking for the documents to be recorded and sent to me. Called XXXX times. One person said county didn't send the paperwork they will call me back that was XX/XX/XXXX. Another person told me it was tender they would call me back with Status that was XX/XX/XXXX. This is not ok
Product: Credit reporting or other personal consumer reports

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, Equifax, and XXXX, and they told me to submit XXXX report which I did. I first submitted XXXX  report back in XXXX of XXXX, and until now, when I submit XXXX report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and the representative told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Money transfer, virtual currency, or money service

Im writing to express my serious concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that revealed significant problems with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. They told me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBs findings show that Zelle not only neglected to protect consumers but 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: Checking or savings account

Wanted to start joint checking account with significant other, he has an checking account already with fifth third and wanted to make it joint. I was denied for the checking account! This is not a credit account this is a checking account!!! With our money in it that we want to both have access to and cant do that. He came to fifth and third bank and open the bank account for this reason and I cant be approved.
Product: Credit card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX5 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX CARD from my Hand Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are XXXX. Maryland. This looks negatively on my reporting .please remove, as a hard Inquiries. Thank you so much for your help! Sincerely, XXXX XXXX XXXX
Product: Credit reporting

Initially I disputed items on my credit report, which came back as verified. I believe the investigation is questionable.
Product: Debt collection

I have no idea nor have I opened an account with Acemia. It is now being considered charged off on my credit. I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$12000.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$6100.00}, XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX Balance : {$220.00}, XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00} Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

Ive had every email breached compromised misused and XXXX  by the Unknown. I do still believe family and former friends are still involved by selling my information according to records from XXXX XXXX. But I would like to go ahead and mention the report from XXXX XXXX  on Wells Fargo before the crediting the account, missing funds, account take over really gets to bad. Now, first there was a XXXX XXXX ordered on my old account using my old SSN number ... yes, old SSN due to so much from SSA after providing them 100 's of pages of fraud using my ssn and my kids they changed my SSN. But a XXXX XXXX was ordered. Although, I opted out of online banking I recieved an email stating I ordered something from Wells Fargo so, I went to online banking and it asked for a 6 digit code from XXXX XXXX... which wasnt in my possession, nor did I order it. I called filed a complaint with Wells Fargo the same day I realized it, and they closed the account out so they said. Until a week later I discovered the account was still opened. And this was 4-5 weeks ago ... today anyone who has my old information can log into that account via online. Every time Ive called Wells Fargo it sounds like the same XXXX lady each time but uses a different name. Ive very well at keeping up with who I talk to..since Ive been through alot with financial fraud. So, I recieved my report from XXXX XXXX and the following information is not correct : 1. I live in SC and opened the account on XXXX  in XXXX, SC, new account number. Opting out of mobile banking and online banking- which means my routing number would be XXXX but my credit report shows me opening the account on XXXX  Bank Name saids Wells Fargo XXXX XXXX XXXX routing number XXXX, the status history for this savings account said on XXXX there were 3 Savings accounts opened which is fraud there should have only been XXXX and then when my social security number and profile was changed that was on XX/XX/ -- -the account XX/XX/ isnt me. All saids New Account Opened. This is for the Savings Acct. Now for the Checking account it shows Wells Fargo XXXX XXXX with the routing number being XXXX and the account number actually being my account number but the routing number is wrong. It shows XXXX my account was overdrawn which is false. It shows the following new checking accounts opened on XXXX XXXX XXXX XXXX XXXX XXXXoverdrawn which is false XX/XX/XXXX new account opened, XXXX XXXX all were opened new accounts using my information and linked to my SC Wells Fargo account ... shows overdrawn XXXX both false but then looking at the balance history on XXXX the balance was {$76.00}, {$46.00} no account never overdrawn. As of XX/XX/ it shows the compromised account still opened? The routing number after researching all Wells Fargo Banks Routing Numbers in every state the routing number XXXX doesnt belong to any state close to North Carolina routing number but not quite. when researching the actual routing number it shows XXXX MN Wells Fargo with Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, Experian, and XXXX.
Product: Credit card

On XX/XX/year> at XXXX, I received a mobile alert on my phone from Citibank regarding my credit card account. The message on my phone states : Free Msg Citi card Did you attempt {$260.00} at XXXX # XXXX on XXXX? XXXX, XXXX. I immediately responded XXXX. I log online to my account and discovered another transaction that I did not make was made on the same day at XXXX XXXX for {$46.00}. I spoke with XXXX XXXX ( not sure of the name ) and I informed her that neither of those transactions were mine. I also informed her that I never lost my card or loan my card to anyone. She stated the reason we contacted you was because these transactions were suspicious. She further states we can close this account and send you another credit card. She also said due to the suspicious activity, this charge will not be on your account. I received a letter yesterday on XX/XX/year> from Citibank security operation service team. The letter states my dispute is closed and because I stated that the card was in my possession, the remaining balance of {$310.00} will remain on my account. I am requesting a more thorough investigation how this happen and my account return to zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Product: Checking or savings account

I was charged 2 separate overdraft fees ( not sufficient funds ) of {$35.00} on X/X/2017 and X/X/2017 without Capital One first notifying me via email or phone or text.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain account and inquiries on my credit report that are the result of identity theft. This is my second letter addressing this issue, and I am requesting that you remove or remove any information from my credit file that pertains to these fraudulent account. XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Product: Vehicle loan or lease

I have had 3 XXXX leases and the latest was signed this XXXX. On XX/XX/21 my newly leased car was rear ended and is presently for two months now at the body shop. They can not obtain the part needed from XXXX to repair my car. XXXX can not say if the part has even been manufactured, if its in the US, if its on a barge and if my car will be repaired in the near future. They blame it in Covid. I am without a car. My car insurance will no longer pay for a rental. We have asked Acura Financial to waive payment until the car is repaired which they refuse to do. They want me to pay for a car I do not have and it is because of them I dont have my car. I have paid a leased payment for two month including car insurance on a car I do not have. I am looking for justice. I will pay the total amount due however Id like my payments postponed until I have an actual car. We are seniors and do not know where to turn. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 18 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, fair, and substantiated. Given recent legal action, including the class-action lawsuit against Experian regarding improper credit reporting and failure to conduct reasonable investigations, I demand an immediate review of the following items and their removal if they can not be verified. 

Disputed Items : [ List the specific accounts, including creditor names, account numbers ( last XXXX digits ), and the nature of the disputee.g., incorrect balance, fraudulent account, duplicate entry, outdated information, etc. ] Recent lawsuits against Experian, such as In re Experian XXXX XXXX Litigation and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have highlighted Experians repeated failures in credit reporting compliance. Given these precedents, I am requesting immediate deletion of these disputed items, as failure to do so may be in violation of the FCRA and expose Experian to further legal liability. 

I have attached supporting documentation for my claims, including [ list any enclosed documents such as credit reports, identity theft affidavits, police reports, or correspondence with creditors ]. I request that you complete your investigation within the legally mandated XXXX period and provide me with an updated credit report reflecting these corrections. 

Failure to correct these inaccuracies may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect confirmation of these deletions in writing upon completion of your investigation. 

Please send all correspondence regarding this dispute to my address listed above or via email at XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

During 2021 Suntrust placed me on Lender Placed Insurance ( LPI ) because I did not have Flood insurance.

I provided proof of coverage as this is my second mortgage and had it through my primary mortgage company. I provided the proof to Suntrust and they waived the fee. Since then they have transitioned to Truist and have been charging me again for LPI since. I've tried calling them almost once a week and showing up at a branch office to no avail. Truist refuses to remove the LPI because they advise it is showing as a fee on the insurance department side. When I ask the billing they say it came as a fee but should be LPI. The two departments do not share system or communicate. Even the notes on my account are segregated which is causing issues. 

They have advised that since it transitioned from Suntrust they are not responsible in the insurance side to solution the incorrect billing. When I speak to the billing department they advise this is a specific insurance issue. When I try to get them both on the line, they advise they are unable to wait to connect because of a 20 minutes hold company policy. 

Right now this is impacting my ability to get loans because it looks like I have a XXXX $ payment on a XXXX loan, which is absurd. 

At this point I don't know what to do. They have changed their entire insurance department and made this entire process very difficult to even speak to an agent so this is my last resort. 

I have Truist financial institution incorrectly billing me for something they should not and they refuse to remove the charge. Can someone please help me?
Product: Credit card or prepaid card

I opened new credit card account with American Express on/about XX/XX/19 after seeing they were offering an introductory rate of 0 % for balance transfers made within the first 60 days of account opening. Via a telephone conversation the AMEX representative indicated the approved credit limit would be {$1000.00}. I informed the representative that I was displeased with the low amount and required a higher limit in order to do the balance transfer I had in mind. The representative informed me that this {$1000.00} limit was simply the introductory limit approved for all new accounts and that I could request a credit limit increase as soon as I receive my card in the mail. Today ( XX/XX/19 ) I have submitted several requests and spoken to a number of individuals within the Customer Service and New Accounts departments at AMEX. All representatives are indicating AMEX has a policy of not approving credit limit increases within the first 60 days of a new account. Thus, negating the 0 % balance transfer offer and my entire purpose of opening an account with American Express. I feel they were deceptive with their policies and specifically with this promotional offer in order to gain me as a customer.
Product: Checking or savings account

I could not find correct category for my complaint and thus selected whatever I could. Below, however, are the details on the complaint. 

Subject : Formal Complaint Regarding Unresolved Refund Claim I purchased furniture from XXXX XXXX using my Bank of America debit card. Upon delivery, I found the furniture to be of subpar quality and consequently refused to accept it, clearly communicating the reason to the merchant. The merchant confirmed in writing that a full refund would be issued. Additionally, the merchant caused damage to my property and agreed to cover the repair costs, which also never materialized. 

After multiple follow-ups, the merchant sent a refund check ; however, my name was misspelled. Despite my request for a corrected check, the merchant delayed the process significantly and ultimately refused to reissue the check. This protracted process forced me to initiate a claim with my bank beyond the standard dispute window. The disputed transaction amount was $ XXXX. 

During my initial call to Bank of America, the representative who processed my claim acknowledged that many vendors employ such delaying tactics. He assured me that, while my claim might initially be denied due to procedural reasons, I should not be concerned and could resubmit it with the proper documentation for reconsideration. Despite these assurances, I never received any official documentation or notification of the claim 's denial, even though it was recorded in the bank 's system. 

As anticipated, my claim was denied due to being filed outside the designated dispute window. Upon contacting customer service again, I was informed of this denial. I referred to my previous conversation with the representative, but the new representative was unhelpful and discourteous. I then requested to speak with a supervisor, XXXX ( employee ID : XXXX ), who stated that she resubmitted the claim ( claim number : XXXX ) and requested that I provide email correspondence with the merchant to substantiate my claim using banks fax number. I complied with this request. I specifically asked the supervisor what would happen if the claim was again denied, whether by the merchant or otherwise. She reassured me that, in such a case, the bank would accept full liability ( you can investigate the recording of this conversation ). Based on this assurance, I expected the matter to be resolved in my favor. 

Today, I contacted the bank and was informed once again that my claim was denied due to its timing, despite the prior assurance from the supervisor that the bank would take responsibility. This conduct is both unacceptable and misleading. 

It is concerning that a bank of Bank of America 's stature, in whom consumers place considerable trust, would provide such conflicting information and fail to honor its commitments. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Bank of America fulfills its obligation to refund my money and addresses this clear breach of trust and accountability.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a line of credit and was discriminated against. Being as though theyre on my report, I was never compensated as the beneficial equitable title holder. I am at the age of majority, I just want whats due. I dont want this to go any further than it has to. 
If I cant be compensated Id like for this person to give me the original contract I signed with them and Id also would like them to send tax filings for this account.