23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Opened my account with Charles Schwab on XXXX XXXX. I mobile deposited my tax refund check that was {$7300.00}. On XXXX XXXX recieved a email stating more information was needed to verify my account. On XX/XX/year> recieved an email stating my account is closed. I recieved several messages on XX/XX/XXXX XXXX regarding a declined application and my account being closed via email. From XX/XX/year> to XX/XX/year> i recieved several more emails stating my account is being closed and my applications were declined. I called and spoke with a representative by the name of XXXX I believe on XX/XX/year> who advised me that I just needed to speak with someone and the hold on my funds would be available XX/XX/year>. On XX/XX/XXXX I called and spoke with a representative by the name of XXXX if I am not mistaken and was informed that my account was being investigated by a different department. I received several emails stating my statements were available via email. From XXXX XXXX up until today I would continue to call and try to get the restrictions lifted. I would submit documentation via fax which included a Notorized letter confirming my identity and acknowledgment that I indeed opened the account. That is what was instructed of me from the fraud department at Charles Schwab in order to gain access to my account and funds. On XX/XX/XXXX I would receive an email stating an update would be made to my account within 3 days but could take longer. The Account Update reference number XXXX XXXX. A review of my account was in place. I would continue to call and get any kind or update but would get none. My account remains restricted with my available funds. I have completed the requested documents and been very patient. Still no update has been made with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take immediate action to remove the fraudulent ACCOUNTS from my credit report as I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.
Product: Bank account or service

I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that Experian take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sell chicken coop and 12 hens on XXXX {$400.00}. The buyer sent me a cashier check via XXXX, {$1900.00}. I asked her why sent me so much, she said this money was included the movers. She push me to cash the check and text her back to let her know, On XX/XX/XXXX, I brought the cashier check {$1900.00} to BOA in corona to cash it, the banker did not verify the check was good or not, the banker did not verify the check was authentic or not, the banker did not ask me any simple questions regarding the check, he gave me {$1900.00} cash. Then I texted the buyer said I just cash the check, the buyer want me XXXX {$1500.00} to her and take screen shot send to her. I did. Her name was XXXX XXXX. Then after I finished XXXX the money I went home, I talk with my friend, she want me call XXXX XXXX back, but her phone was disconnected. In that moment I realized I was scammed. On XX/XX/XXXX, the bank took out {$1900.00} from my checking account. On XX/XX/XXXX, I called law enforcement police department in XXXX XXXX. I spoke with officer ( cousins ) he said the bank failed to verify the check is authentic or not, the bank failed to verify the check good or not, the bank failed to ask me any simple questions about the check, this is internal issues of bank system, on XX/XX/XXXX, i came back to the BOA in corona with my friend. The manager spoke with us. She admitted that her employee was new and not knowledgeable to verify the check. I am boa member for 20 yrs, and I also a victim in this scammed. I thought I have FDIC of boa protect me, I would like the boa and FDIC credit all the money back to my account. I was stressed and depressed, I felt XXXX, I dont have enough money to pay mortgage, I am hardly survive, I also emailed the FDIC about this issue, I would like the Bank of America and FDIC credit back money to me. If not I will take legal action. Please respond ASAP thanks
Product: Mortgage

Our home caught on fire on XX/XX/XXXX. I found Mortgage Financial Services online through a government website for lenders that help people in Texas get loans if they meet certain eligibility requirements. They connected us with XXXX XXXX at Mortgage Financial Services in XXXX, TX. 

We started working with her on XX/XX/XXXX. On XX/XX/XXXX she advised my husband she would also have to run my credit. We worked with her sending her multiple e-mails and income verification documents. She said that we were approved for the loan so we started looking at houses. She also said the payments would be 820-840/month with taxes and insurance, great! 

We signed a contract on a new house, but the seller would not accept the offer without a prequel letter from the lender. So XXXX created a letter for us to say that we were approved. The seller then accepted our offer. We then proceeded to pay XXXX in escrow, the XXXX dollar option fee and then we paid {$420.00} for a home inspection. Great, excited, we're buying a house! 

XXXX then e-mails us on XX/XX/XXXX and says never mind she was wrong and we can't do it. After we had already spent over {$500.00} dollars on an inspection and the other fees associated with purchasing the home. The reason because she JUST ran my credit, that she was supposed to run on XX/XX/XXXX and also because she didn't know the extra XXXX income was my income and not my husbands. The only thing on my credit affecting this decisions was the student loans, which I have been paying on. You can tell that I have not had a late payment on anything in over two years. 

I sent her all of the documents she needed before we even signed the contract on the house and this is information that she should have verified BEFORE we spent all this money trying to get a home. With our house catching on fire on XX/XX/XXXX, that was ALL the money we had to spend trying to get a home. 

The lender did not do the work on her end to make sure that we could get a home before we invested time, money and resources into purchasing a new home. We have the money and we can either pay someone rent or we can pay the lender. Given the lenders error, I feel like they should have to follow through with the deal. This is their error and it is their fault that we made the deal in the first place because they made false promises without doing their job correctly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint againstXX/XX/XXXX ( PayPal , Inc. ) regarding the permanent restriction of my account. I have been a long-time user of XX/XX/XXXX for personal transactions and was recently notified that my account has been permanently restricted due to an alleged violation of the User Agreement. However, I have not been provided with any specific details regarding the reason for this action. 

I take compliance seriously and have never knowingly engaged in any prohibited activities. I have attempted to contact XX/XX/XXXX for clarification and resolution, but I have only received generic responses with no opportunity to appeal. This decision has caused unnecessary inconvenience, and I believe my account was restricted in error. 

I am simply requesting that XX/XX/XXXX conduct a thorough review of my account and reconsider its decision. If there are any concerns about my activity, I am happy to provide any necessary clarification to ensure compliance. My goal is to have my account reinstated so that I can continue using XXXX services as I have in the past. 

I appreciate your assistance in resolving this matter.
Product: Credit reporting

I had a loan with XXXX XXXX XXXX XXXX opened XX/XX/2009. The account was charged off and the status was closed derogatory. I checked my credit report this month and the status has now been changed to Open-Derogatory. I called XXXX XXXX to see why they changed it to an open status, and they said they did not, and they are reporting it to the credit bureaus as closed. This has made my score drop almost XXXX points.
Product: Mortgage

i '' ve had a hard money high interest loan for 3 yrs. it was supposed to be a short term loan. i have repeatedly tried to refi out of this loan and have been unsuccessfu. my lender medallion services of XXXX have repeatly refused to comply with simple request for payoff demand, and medallion services represented by XXXX XXXX XXXX has continued to refuse to communicate with any title company seeking info for refi on my XXXX XXXX XXXX property. medallion attempted to foreclose, i filed a motion ex parte to get emergency injuction from any sale and was successful however Medallion service sold the property anyway despite the order. i know i am a victim of predatory lending i need help.theses people are crooks. Medallion has charged us extremely high rates from our agreed 12 % to 16 % without any response to our written inquire as to the cause of the increase, enough is enough. i need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to XXXX XXXX a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the XXXX XXXX through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both XXXX XXXX for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this in accordance with the Fair credit reporting act, in regard to a negative statement on my credit report made by Bnk of America. This creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. In 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a Credit card account under an open consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I applied for a home loan with Mortgage banker ( location XXXX XXXX XXXX XXXX XXXX NY XXXX ) at JP Morgan Chase and as first time home buyer and a chase customer on XXXX XXXX 2016. I was given a preapproval letter by him starting at a rate of 3.25 %. I received an call on XXXX XXXX by XXXX XXXX in the afternoon that after the elections the rate is going to go higher I need to come into the branch immediately to locked in rate at 3.375 % on XXXX XXXX. The Mortgage officer XXXX XXXX also wanted changes made to the way I was getting paid ( XXXX vs XXXX ) which were addressed with a great hassle with my employer after XXXX XXXX and my employer spoke. Once I am ready to sign the contract the Mortgage broker told me that the paper work is not complete and he will not be able to do the loan. Then I called his supervisor XXXX XXXX and her boss XXXX XXXX XXXX, both of whom after talking to them for the first time seemed that this is the usual state of affairs at Chase and they were actually defending the Broker without even knowing how much pain and suffering we as a family had to go through because of this gentleman as I had to tell the seller that my loan and the locked in rate was not being honored by Chase. I approached XXXX different banks the very day I was told that Chase is not able to do my loan unfortunately at a higher rate as I was 4 weeks late due to Chases false assurances and lost the house and my family with XXXX small children would have nowhere to go as we had already planned to move ahead with everything. I did receive a call From XXXX XXXX XXXX stating that everything that XXXX XXXX did was protocol and company policy based. When I asked him to share the policy with me regarding locking in mortgage rates ( as he said I need an executed contract to lock in the rate ) and he said he will not be able to email them to me as they do n't share these with the customers even if it is pertinent to me. So as per Chase policy you need to sign a contract and pay all legal fees and then go to them to lock in the rate to a loan which they may or may not approve. He told me that I had lost a great opportunity in securing a great rate from Chase as I did not act fast enough and when I again brought in the issue that I applied for this loan XXXX XXXX and was locked in by their Mortgage officer which was a lie as I came to know that my case was never sent to an underwriter till I involved XXXX XXXX and XXXX XXXX. I was never informed that I need to actually have an executed contract to get a loan from chase. Above all XXXX XXXX told me that I was completely wrong, his employee was totally right, never did he use the term SORRY or we will make amends with anything and told me to wait till the underwriter gets back to him and he will be approving my loan or not. I just wanted to se if this is the way that you employees need to treat there customers and make to feel like that they are doing them a favor by giving them loans. As a first time home buyer and a long time chase customer I am very disappointed and would like to take my business to a bank who appreciate me and my family.
Product: Credit reporting or other personal consumer reports

Please remove all these Promotional inquiries because they are all unauthorized and aren't mine. 

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

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX ; XXXX XXXX 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
Product: Checking or savings account

{$9400.00} was taken out of my accounts checking and credit card. By a person named XXXX XXXX on XX/XX/2023 {$4900.00} XX/XX/2023 XX/XX/2023 someone transferred from shares XXXX $ {$3400.00} to my checking account XX/XX/2023 {$4500.00} he took {$4500.00} XX/XX/2023 my credit card cash avd was hit I need help, because the NFCU has not put this money back into my account. 
I had reported this to them, as soon as this had happened On or about XXXX XX/XX/2023. 
when I was not able to get into my account on line. 

I have went 3 days without with real answers, onhow to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with XXXX XXXX in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. Experian is reporting that this account was closed by XXXX in XX/XX/XXXX. But XXXX XXXX is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/17 XXXX XXXX XXXX, XXXX notified me by email that they were collecting balance due on credit card on behalf of American Express. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
XXXX XXXX XXXX notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our contracts. Which we solely depend on to do business. 
XXXX overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.