23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX  2017. I informed them I would finance it through XXXX. I specifically called XXXX to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed XXXX credit inquiries, XXXX for XXXX and XXXX for XXXX XXXX. Also, Transunion shows an inquiry for XXXX and XXXX  for XXXX XXXX.
I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the XXXX '' to XXXX XXXX  management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XX/XX/XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion.
I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do XXXX credit inquiries for 1 sale.
Product: Debt collection

TRANSFINANCIAL was notified that this is not my debt. despite my request to prove to me that I owe them this money and their failure to proved this documentation, they have falsely reported this information to the credit reporting agencies. This needs to be removed from all bureaus immediately failure to comply will result in my seeking legal remedies.
Product: Credit card or prepaid card

I had a {$100.00} gift card not used in a sealed envelope from American Express, when I open the envelope and check the balance it only has {$76.00}. I complained to American Express and somebody made multiple transactions in XXXX California and they told me " We would like to inform you that the gift card is a non-disputable product as per the gift card terms and condition '' This is unacceptable, how can there be transactions when I just opened the envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

A XXXX  account that was closed appeared back on my report, a car that I do not own or sign for is still on my report I've tried numerous times to get it removed and time after time they say it's stands what ever that's means
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Equifax provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Equifax is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. 
Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer
Product: Debt collection

I have now filed two CFPB complaints, disputed and several times submitted validation request and nothing. No response at all. This item listed is violating my rights. 

Credit Collections USA XXXX
Product: Checking or savings account

I am writing to file a formal complaint regarding fraudulent charges made to my Chase Business account ending in XXXX. Unfortunately, I did not notice these unauthorized transactions until recently, as I had no reason to closely monitor my account before this incident, given Chase 's historically reliable security. Once I became aware of the issue, I immediately contacted Chase to report the fraudulent activity. 

While Chase has refunded approximately {$800.00} from the {$1500.00} that was stolen, I remain dissatisfied with their response and assistance in recovering the full amount. I believe it is only fair that Chase takes further steps to help resolve this matter. 

Details of the Fraudulent Transactions Below is a summary of the fraudulent charges made to my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Issue Chase has advised that they would be unable to recover the full amount of transactions due to a 30-day policy, which I find unacceptable given the financial impact this has had on my business. To date, I have only been refunded approximately {$800.00}, leaving a significant portion unrecovered. I believe Chase or the merchants are responsible for further recovering the remaining funds and improving their fraud detection measures to prevent such incidents in the future.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : 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

I made deposits in this account XX/XX/2021 and XX/XX/2021, and they inactivated the account in XX/XX/2021 for alleged inactivity. There is nothing in the fine print that says you must constantly use this savings account. I can not access this money, although I can make deposits. I have written multiple letters at their direction requesting that my account be reactivated- the only method available according to them to reactivate this account, and they keep saying they do not receive the letters. I can not access my money. 
There is no customer service other than bots.
Product: Student loan

I am writing with a formal complaint regarding the servicer of my federal student loans, FedLoan Servicing. I have been consistently appalled at the unprofessional and negligent business practices of this company. My main issues can be summarized in  XXXX  points  : 1 )  Processing times for ANY request, including requests that must be made  annually ( re newal of an income-based repayment plan, for example ) routinely ta ke 2-3 m onths, during which time all payments are placed on hold. For borrowers who are working towa rd Public Service Loan Forgiveness ( PSLF ), the se are huge delays in ultimately seeking loan forgiveness. Furthermore, it has been reported that the first batch of borrowers seeking loan forgiveness under the PSLF program have been denied because they have not mad e 10 cons ecutive years of payments. Given annual payment interruptions of  2-3 m onths with FedLoan Servicing, it would be impossible for anyone to qualify for loan forgivenes s. 2 ) a ny issues with the account are not communicated to the borrower. For example, when I submitted a request to renew income-based repayment, my request was denied because my employer verification was not updated, but no one from FedLoan Servicing contacted me with this issue. I assumed the request was taking the standard 2-3 months to process. After calling to follow-up, I was told that my employer verification needed to be updated. On an on ... I literally have to call the company for weekly updates to be sure things are being processed as expected because FedLoan has not once reached out to let me know there is an issue. Frankly, it is criminal that this is the only servicer that can handle PSLF loans. I do n't know who they paid for that privilege, but their customer service is atrocious. If they did not have a monopoly on these loans, borrowers would certainly leave. They should be held accountable by SOMEONE.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX paperwork was faxed to Citizens Bank. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank and they were unavailable due to the XXXX holiday. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank to ensure XXXX  XXXX XXXX paperwork was received and completed. Citizens Bank stated that it had received all XXXX XXXX paperwork. 

On XX/XX/XXXX, the mortgage assumption purchasers called Citizens Bank to inquire about XXXX XXXX paperwork was received and processed. Citizens Bank stated that they had not received loan assumption paperwork. 

On XX/XX/XXXX, the mortgage owner 's realtor called Citizens Bank to inquire about the XXXX XXXX paperwork. Citizens Bank stated that they had not received loan assumption paperwork. 

On XX/XX/XXXX, the mortgage owner called Citizens Bank to inquire about XXXX XXXX paperwork. Citizens Bank stated it had been received on XX/XX/XXXX via fax, and would. provide no other information including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX division. Citizens Bank would only provide fax number and XXXX  address.
Product: Checking or savings account

I lost my Centennial Bank debit card on XX/XX/XXXX, and when I discovered the debit card missing on XX/XX/XXXX I called Centennial Bank to report the debit card lost, and to file a claim for eleven unauthorized transactions. Afterwards, I received a letter dated XX/XX/XXXX, which stated Centennial Bank wasn't going to credit my account for the transactions in question because of a determination no error had occurred. Consequently, I filed a complaint with CFPB on XX/XX/XXXX. I received a letter from Centennial Bank which stated an additional review of the fraud claim was conducted, and a decision was made to credit my account for eight of the eleven unauthorized transactions. Centennial Bank wouldn't credit my account for the remaining three transactions because the merchants were able to confirm my physical presence with a match of my identification provided the bank ( see the attached letter from Centennial Bank dated XX/XX/XXXX ). Centennial Bank wrote that videos are available for viewing from the three merchants in question. However, I called the merchants to ascertain if I could view the surveillance footage and was informed that only law enforcement could view the videos, or a court writ would have to be provided. In addition, there is the mention that someone who was spoken with at one of the merchant 's remembered having a conversation and the merchandise that was purchased. The same merchant was able to match my description with the photo ID on file at the bank. The problem with this statement is that I never did business with this merchant. Also, in regards to the financial institution having my ID on file, I don't recall ever providing my ID to the bank, as the checking account was opened online without a photo ID, and when the claimed was filed I didn't provide a copy of a government issued ID. 
Next, I don't understand how Centennial Bank can acknowledge that I was a fraud victim for eight of the transactions, but not the remaining three. Two of the transactions that are still being disputed occurred on XX/XX/XXXX. Accordingly, what the bank is saying is that the debit card was lost before the first two unauthorized transactions on XX/XX/XXXX, came back into my possession for one non-credited transaction on XX/XX/XXXX, then was lost again for six fraudulent transactions, followed by two remaining non-credited transactions on XX/XX/XXXX, which the bank says were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - XXXX of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I am in the process of building a new home. My lender discovered this debt from a previous XXXX on my account with a collection. I do not owe this money, but I paid it anyway to clear it from my credit report. I contacted the collection company on X/XX/2017. Almost immediately I received notification from the XXXX  office stating the collection agency contacted them and I can call their office for payment. I contacted the XXXX office that day and made payment over the phone. I then notified the XXXX office and the collection agency that my lender needs a letter from the collection agency ( since they are the now owners of the account ) stating my name, account number, balance owed, with their name address on their letterhead. I have requested this everyday since then, and they even refuse to respond to my request. They have just ignored me. I even contacted the dentist office back and have asked if they could help, and they ignore their request as well. No correspondence from them what so ever. This is potentially costing me several thousand dollars in possible interest rate hikes, delay in breaking ground. I feel I have been patient enough for a bill I did n't even owe in the first place. They responded immediate when I wanted to pay my bill, and now will not even respond to me or their client. I have done what I am supposed to do and this bill of {$260.00} is costing me thousands because of their disregard. Please help. Thank you.
Product: Checking or savings account

I can not link my PNC account to my budgeting software - PNC doesn't allow for account linking any more
Product: Student loan

I stopped going to my flight school ( XXXX XXXX XXXX ) and had them return the remained of the loan to Meritize. Meritize was notified on XX/XX/2023 that the remaining balance was being returned and the loan was going to be canceled. Meritize cashed the check, according to the flight school 's bank records, on XX/XX/2023. The money has not posted to my account as of today, XX/XX/2023. The company says the process takes 30-45 days, which I am past now, and I also believe to be fraud. No lender should take 45 days to post a payment while still collecting interest on that money. After I told the company that I thought it was fraud they said the the interest on the returned money would be refunded, however, they would not tell me how much money I still owed. Because of this I am not able to pay off the remaining balance and am therefor still paying interest on the remaining balance. I believe that they are doing this on purpose to defraud me of money. I have called several times and have been contacted several times by email, and they keep telling me that they are going to help me, but nothing seems to ever happen, and I just keep getting charged interest.