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

On XXXX XXXX XXXX  I brought a letter requesting the balance as of my fathers date of death of a joint checking acct. between my father XXXX XXXX XXXX and myself XXXX XXXX XXXX. Date of death was XXXX. I also needed the date I was added to the acct. The person helping me in the branch sent a copy of the death cert. and a letter requesting the information to an office as they couldn't do this in the branch. She sent the letter by XXXX XXXX. It has now been over a month and still no response. To be honest i can not understand how something as simple as this could take over a month. I have called Citizens customer service twice and was told they couldn't help me nor could they give me a phone number to an office that could. If the taxes are paid within 90 days there is a discount on inheritance tax in XXXX Inheritance tax is the reason i need the letter so I can pay the amount due. I also explained that in the letter. I hope I get the letter soon but after over a month, that is questionable. If this is how a customer of over 60 years is treated I can imagine how someone with a few years is treated.
Product: Bank account or service

XXXX XXXX and his associate, XXXX XXXX, formulated a financial plan designed to preserve and raise enough money so that I could retire and live comfortably by XX/XX/XXXX due to serious medical considerations. I fully trusted them to manage my accounts and assests. However, since XX/XX/XXXX, they have lost well over {$60000.00} of my money -- {$43.00}, XXXX of this was lost in the first 11 months of XX/XX/XXXX, when the market was up. During this time, they also charged me over {$17000.00} in fees. 
I have had XXXX financial experts reveiw my accounts, and all agree that there is no explanation or justification for such massive losses in an up year. XXXX XXXX took " big bets '' puttig my money in very risky funds in amounts as big as {$20000.00}. During the course of our work together, he represented to me over and over via email on the phone that the funds, ETFs, and stocks he was choosing for me were appropriate for my short time frame and small amount of savings. And, he was aware of my need for the money for medical care. Still, he took huge risks, that lost money, with my funds. The horrid losses from my accounts in a year that the market did well speaks to the obvious neglect and inappropriate management of my accounts by XXXX XXXX. I called multiple times in XX/XX/XXXX to express my concerns to XXXX XXXX, and he told me just to trust him. We also had email discussions. On XX/XX/XXXX, I sent a letter to XXXX XXXX, the Branch Manager for XXXX XXXX office, and to XXXX XXXX outlining my concerns and complaints, and requseted to discuss a fair an equitable resolution. I have followed up by email three times now, and I have only received the comment that Morgan Stanley is reviewing my letter. As of XX/XX/XXXX, over a month later, I have no substantive response or willingness to engage with me in any dicussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

this involves XXXX  XXXX  XXXX  it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, XXXX  XXXX  offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX # 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 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: Mortgage

We applied for a loan modification. The loan matures in XXXX. The interest rate is 3.12 %. 
We are overdue {$22000.00}. The principle balance is {$150000.00}. Our current payment is {$1100.00}. We fell behind because our daughter is XXXX XXXX XXXX and has had XXXX babies she can no longer care for. We are in the process of adopting them. This si a costly process. we did not just arbitrarily, fall behind? 
We were denied because the lender said it would increase our payment by more than 25 % if they modify the loan? 
That is not true
Product: Debt collection

Im am working with the XXXX XXXX, i have worked with XXXX XXXX  as well and they have tried to dispute this item with no luck. I have filed identification theft and no one had got back to me from chase.
Product: Money transfer, virtual currency, or money service

After XXXX years of frequent and reliable transactions processing donations and payments for charitable work, PayPal has suddenly declined to do any more business with our XXXX certified nonprofit, XXXX XXXX. 

Reckoning Press publishes an award-winning literary magazine, Reckoning, which is focused on environmental justice. On XXXX XXXX, we sent a payment for a poem to a Palestinian-American author. Immediately after doing so, PayPal placed a limitation on our ability to open any new transactions while they audited our account, asking me ( the president of XXXX XXXX ) to send them a photo of my driver 's license, a copy of our last month 's checking account statement, and confirmation that we had shipped XXXX recent book orders that were paid for through PayPal. I sent this documentation as quickly as I was able, and upon receiving these documents, they reopened my account almost immediately. In fact, they emailed me at XXXXXXXX XXXX yesterday to confirm receipt of the documents, then again at XXXX XXXX to let me know " Your account has been restored ''. Today, I realized I had made a mistake and only sent the author half the amount agreed upon in the contract, so I opened a second, identical transaction via XXXX. Immediately upon processing this second payment, in literally the same minute, they permanently and irrevocably deactivated my account, offering no explanation as to why XXXX XXXX for recourse. Both the confirmation email for the transaction and the email notifying me that " Important : Account features have been deactivated '' are timestamped XXXX XXXX, XX/XX/2023. 

A member of Reckoning staff pointed out to me that XXXX apparently has some unreasonably restrictive " anti-terrorism '' policies. Here 's one article about it : https : XXXX  I can only conclude this is what happened : PayPal flagged XXXX XXXXAmerican contributor 's name as indicative that we must be funding terrorism. Obviously, this is absurd and XXXX. The contributor I'm referring to is a natural born American citizen currently resident in New York, and we're paying this author for a poem per our contractual obligation. 

But XXXX has provided no path to dispute their decision. There is copious documentation all over the internet of people with similar issues being ignored : https : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX So I feel I have no recourse but to open a complaint with the CFPB requesting that our account be reinstated. 

I'll include copies of their emails and the documentation I provided below. Please let me know if you need further information or proof. However, I would ask respectfully that our Palestinian-American contributor 's name be kept out of this complaint in order to protect their privacy and secure their safety. 

Thank you very much, -- XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Account name XXXX Account number XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Debt collection

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/XXXX2016 place for deposit by them on XXXX/XXXX/2016. XXXX XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX  My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX {$18000.00} XX/XX/XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I applied for a home mortgage loan with BMO Harris Bank N.A . I chose this financial institution because they are listed as XXXX of the few authorized lenders for the 1st Home Illinois program offered through XXXX I am a XXXX XXXX XXXX XXXX XXXX male. I have a XXXX credit score, a 0 % debt to income ration, and am on a fixed income through social security. I was pre-approved in XXXX. I have had no change to my income, credit score or debt ratio from the time I was originally pre-approved. In XXXX 2016 BMO Harris requested that I pay a {$490.00} dollar application fee. After I paid the fee they completed the appraisal on the property I have a contract on. The appraisal came back within range of market value and requested price. I meet all the requirements for the 1st Home Illinois program ) I was told this by the lender and instructed to complete the homebuyer counseling course and obtain a certificate. I received an email on XXXX XXXX stating my loan application was denied due to " Limited credit experience and Value or Type of Collateral not Sufficient. In figuring a credit score the credit bureau 's figure length of credit history, debt ... etc in figuring a score, which is in turn used as a basis to offer credit. If I meet the credit bureaus standards to have a XXXX, why am I subjected to additional credit scrutiny by the lender. Secondly if the Federal Trade Commission considers social security a reliable source then why is this not the case with the lender. The XXXX states I may not be discriminated against due to age, however I feel it is the basis for my denial. After all, how could I initially be pre-approved based on credit and income and then denied based on the same criteria which has not changed at all. In fact my current rent of {$630.00} is actually higher than what my mortgage would be, which is estimated at {$430.00}. The XXXX states credit should be made available to creditworthy applicants without regard to color, religion, sex or age. My XXXX makes me creditworthy!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXX XXXX XXXX is reporting a Charge off on XXXX and XXXX of XXXX through XXXX. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, XXXX and Trans union are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.
Product: Debt collection

I never received anything from this company but it 's on my credit and dropped my score  XXXX  points
Product: Debt collection

This debt was XXXX, charged off as bad debt canceled by XXXX XXXX. Avant effectively turned the debt into income for me. Now I need to file it on my XXXX  taxes. I need the XXXXXXXX XXXX XXXX to properly complete my taxes. In addition, income should not be listed on my credit report. XXXX and charged off debt is income.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Account Reporting and Request for Investigation Dear Experian Dispute Department, I am writing to formally dispute an entry on my credit report related to an account listed under your agency as a charge-off. The account does not appear on my XXXX credit report but is currently showing as a charge-off on both XXXX and Experian. I believe this information is inaccurate and must be corrected. I have requested validation of this debt in a letter dated XXXXXXXX The details of the account in question are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$790.00} Reported as : Charge-Off I request a thorough investigation of this account and a correction of the information on my credit report. As the entry is not listed with XXXX, I believe this inconsistency warrants review to ensure the accuracy of the information being reported. 
Please provide me with the following : 1. A copy of the results of your investigation into this matter.

2. A corrected copy of my credit report reflects the updated status of this account. 

Please conduct a thorough investigation of this account and ensure that the information reported to the credit bureaus is accurate. If this debt can not be verified or is deemed incorrect, I request that it be removed from my credit report, as it is causing unnecessary harm to my credit standing. 
Due to the CFPB lawsuit filed against Experian on XX/XX/XXXX, I request that you perform a comprehensive investigation as mandated by the FCRA. 
It is my understanding that under the law you have 30 days from receiving this letter to verify this item. Failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the address above. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 
Please provide me with the results of your investigation and any supporting documentation for your findings. I would appreciate a prompt resolution to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your time and attention to this issue. 
Sincerely, XXXX XXXXXXXX XXXX
Product: Credit reporting

I disputed inaccurate information with Experian XXXX/XXXX/2015 stating the dates of last { DLA } activity on account is wrong.XXXX is reporting inaccurate information, I have provided you with a copies of Experian credit report, They said the account open XX/XX/XXXX- XX/XX/XXXX first reported there 's is a 3 years gape in reporting information 's. XXXX XXXX blatantly violating federal Law and miss-representing the Date of last Activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,  XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, WXXXX, XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Debt collection

Hello, You have an open complaint XXXX XXXX XXXX, which is currently being investigated. In looking at it, though, there doesn't seem to be a way to attach additional information. I'm finally starting to receive monthly statements, and, in addition to the legal fees they're trying to collect, they've added a " re-rent through '' amount of about {$1200.00}, which I don't believe I should pay since I haven't lived in the community since they evicted me in XX/XX/2020. The document is attached here. Thank you.
Product: Money transfer, virtual currency, or money service

I OPEN MY ACCOUNT IN MONEYLION RECENTLY AND AFTER THAT I LINK MY XXXX ACCOUNT WITH MY MONEYLION ACCOUNT. 

AFTER SEND FUND TO MY MONEYLION ACCOUNT, MONEYLION BLOCK MY ACCOUNT WITHOUT ANY REASON. 

THEY DO NOT WANT GET MY MONEY BACK OR REFUND. 

ALL TRANSACCION WAS IN MY SAME NAME, THAT HOW THIS COMPANY IS REALLY BAD, KEEP THE MONEY FROM PEOPLE WITHOUT REASON. 

i wish my account restore and access to my fund. 

i do not made nothing unusual in my account and i want reopen. 
my account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX  XXXX bankruptcy ) 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: Credit reporting, credit repair services, or other personal consumer reports

Dear [ TransUnionXXXX ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA