23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan originated in XXXX, as a interest only loan. In XXXX, I applied for a Home Affordable Modification Program to run from XX/XX/XXXX to XX/XX/XXXX but was breached by XX/XX/XXXX. 
In XX/XX/XXXX the interest only term ended resulting in the monthly premium increasing by {$800.00}. I received 2 Citimortgage letters ( see attached ) from CitiMortagage dated XX/XX/XXXX and XX/XX/XXXX regarding the payments changing. As of XX/XX/XXXX, the payment was {$860.00} by XX/XX/XXXX the payment was {$1000.00} and by XX/XX/XXXX, {$1600.00}. In XX/XX/XXXX, I applied for another HAMP modification and submitted all paper work on time and did n't receive a decision until late XX/XX/XXXX but was supposed to receive an answer within 30 days. Appeals were requested but the modification was still denied. Due to interest rate only being 4 % which is the rate from the current modification and household expenses to income ratio. According to CitiMortgage modification terms the interest rate was suppose to cap at 5 % in XXXX and the modification terms was suppose to supersede the interest only term, per CitiMortage 's modification contract ( see attach ). 
Citimortgage intentionally delayed the underwriting process of the HAMP application to avoid honoring any modifications under the program. I believe my application in XXXX and XXXX was unfairly processed. I 'm a victim of predatory lending since the modification was set up for interest only for 120 months. No payment to principal was designed intentionally.These terms was based on Citimortgage in-house modification terms. 
My account is 90 days delinquent, due to the payment increase. 
I would like an investigation to be done on the handling of my account from inception until now.
Product: Credit reporting, credit repair services, 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 in 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made one transaction that made my account overdrawn, which I accept one overdraft fee but instead they posted the smallest amount left some pending and overdrawn my account with 6 {$35.00} fee a total of {$210.00}, I had money to cover all the transaction done during the week all the way until last transaction
Product: Credit reporting or other personal consumer reports

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title. 
15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies XXXX, XXXX, and Trans Union does not have my consent to furnish this information and they surely never had my written consent. All and any consent to XXXX, XXXX, and TransUnion, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer may exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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. 
Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.
Product: Student loan

I currently have 6 loans that have been consolidated with Navient. I have been making good/on-time payments for the last 3-4 years. My payments are going towards an " Unpaid Interest '' balance that apparently goes up daily and monthly ( yes-I confirmed this with a call I made today. The amount goes up on a daily rate and a monthly rate ). Just to give a good idea of how much it is going up : XX/XX/XXXX : " Unpaid Interest '' total- {$620.00} ; XX/XX/XXXX " Unpaid Interest '' total- {$940.00}.
My Unpaid Principle hardly changes-it was the same amount for 4 months. Total amount is {$39000.00}. According to my XXXX/XXXX statement-my total interest paid to date is {$11000.00}. My current payments are {$100.00}. I understand that is n't much, but at the way they are going, I will NEVER get the unpaid interest down to actually get my principle down. I have attached just a progression from XX/XX/XXXX-Present, but I have ALL of my statements available if needed.
Product: Credit card

Macy 's has charged off this account, and has not sent me a 1099 c.
Product: Money transfer, virtual currency, or money service

So I attempted to withdraw money from crypto.com and was successful on first withdraw by transferring it to XXXX. Then when trying to withdraw it the second time they stated due to tax laws I am unable to until I paid taxes of over XXXX based on my XXXX in profits. I don't have anyway of doing that until I receive the actual funds first.
Product: Credit reporting

I attempted to send my documents and dispute online. with Equifax. I was unable to because the security questions did not match my information. When speaking to an agent on the phone, the agent became confused and switched my name, so that my last name is now my first name and my first name is now my last name. I am also now married with a different last name, which has only added to the confusion. I have gotten several emails indicating that my dispute is completed and I can check the status. All my attempts to check the status of my dispute have been unsuccessful, I believe because of these discrepancies of information. I only have until XXXX/XXXX/16 to check the status. I have checked my credit score through XXXX XXXX. Equifax is the only bureau still showing that my XXXX judgements have not been removed. I have legal documents to support that the judgements were paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and Equifax and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
Product: Debt collection

TSC is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.
Product: Money transfer, virtual currency, or money service

Zelle transfer as fraud from XXXX of XXXXXXXX XXXX XXXX 
Was getting harassed and threatened to be called on. Amount was in total XXXX $ Each one was different amounts starting at XXXX to ending up to XXXX that equaled to XXXX XXXX 
Called Zelle and my bank they denied the help! 
Zelle never reached out to me for help even though I made the complains on their website like my bank told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to state revised code : The XXXX XXXX account in this complaint is a business account and should not be on my personal credit report. I'm requesting assistance with helping the credit bureaus resolve and remove the account in question within 30 days.
Product: Money transfer, virtual currency, or money service

Someone fraudulently access my digital wallet and transferred a total of {$510.00} ( XXXX transactions in total ) to Robinhood XXXXXXXX XXXX on XX/XX/XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

website on experian won't let me view my credit score website on experian won't let me view my credit report website on experian won't let me dispute my credit report
Product: Debt collection

I have received two letters from a debt collector company requesting payment for two checks supposedly written on my bank account. The checks were allegedly written on two different dates to the same retail store at different locations. According to the letters, the electronic transactions could not be completed because I stopped payment payment on these checks. These letters did not contain bank routing numbers or the name of a bank for the alleged transactions. 
I immediately contacted my bank and had my account audited and researched for these alleged checks. To date, no checks with these check numbers or amounts have been submitted to my bank for payment. No stop payment charges have been deducted from my account. 
The debt collection company said I could dispute the charges by providing personal information such as the name of my bank, bank routing number, driver 's license number, etc. 
I feel this is a fraudulent scheme to obtain my personal information for probable unlawful purposes. The accusations are unfounded.
Product: Credit reporting

Fraudulent check cashed on my checking account for XXXX dollars. Can not access my credit report and look for further fraud. Unable to speak to a live person. Unable to place fraud alert for same reason.
Product: Debt collection

Re : Dispute against Credit Acceptance Corporation, Account # XXXX Dear Sir/Madam, I am writing to file a formal dispute against Credit Acceptance Corporation regarding account # XXXX. I believe this company is violating my consumer rights and several federal laws by attempting to collect on a debt that is over XXXX XXXX XXXX and beyond the statute of limitations for reporting and collection. 



Account History** : I was a cosigner on this account, which was opened in XXXX. The vehicle was repossessed in XXXX. 

Previous Collection Attempts** : I was garnished for approximately a year and a half in XXXX. Following this, I received notification in XXXX that I was released from further obligation XXXX XXXX is now attempting to garnish me again for this debt, which is over XXXX XXXX XXXX This is a Violation of the Fair Credit Reporting Act ( FCRA ) ** : Under the FCRA, most negative information should be removed from credit reports after 7 years. This debt, being over XXXX XXXX XXXX, should no longer be reportable Violation of the Fair Debt Collection Practices Act ( FDCPA ) ** : The FDCPA prohibits debt collectors from using unfair, deceptive, or abusive practices to collect a debt. Attempting to collect on a debt that is beyond the statute of limitations and for which I was previously released may constitute a violation of this act **Statute of Limitations** : While statutes of limitations vary by state, most states limit the time for collecting on auto loan debts to between XXXX years. This debt, being over XXXX XXXX XXXX, is likely well beyond the applicable statute of limitations **Previous Release** : I was notified in XXXX that I was released from further obligation on this debt. Attempting to collect now contradicts this previous agreement Given these facts, I request that the CFPB investigate this matter and take appropriate action against Credit Acceptance Corporation for these apparent violations of consumer protection laws. I ask that all collection attempts cease immediately, and that any negative information related to this account be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

please check the information of the Equifax data breach below in attachments
Product: Credit reporting or other personal consumer reports

XXXX Reporting Inquires : XXXX XXXX XXXX XX/XX/XXXX Credco XX/XX/XXXX Unauthoized - Delete Please XXXX Reporting Inquires : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Credco XX/XX/XXXX XXXX Credco XX/XX/XXXX Unauthorized - Delete Please XXXX Report Inquires : XXXX  XXXX XX/XX/XXXX Unauthorized - Delete Please
Product: Credit card or prepaid card

On XXXX, my daughter in law called me from XXXX New York to inform me that there was a problem with the checking account with Bank of America. This account was a joint account that was established over twenty-five years ago with my ex-husband, who now is affected with XXXX. We have been divorced for fifteen years and we both live in different states. My name was not removed from the account because I made sure that there was always enough money in the account to cover the mortgage on the home. There was never a time where there wasn't enough money to cover the mortgage payment. My ex-husband pension went in the checking account automatically and the mortgage was paid by automatic bill pay. So every month the money is there, plus excess. 

Evidently there was an outstanding credit card balance of {$200.00} I am told that caused a legal judgment of {$1400.00} against him, which Bank of America complied. They put a hold on all of his funds for XXXX XXXX XXXX XXXX ( XXXX ). In the meantime, Bank of America decided to capture me even though they had already given up the XXXX.. I have two credit cards with Bank of America, which have relatively small balances. As of XX/XX/2019 I had a balance of {$2300.00}, which I pay $ XXXX monthly to drive down the balance, however, with no other purchasing, on XX/XX/XXXX, my balance was now {$5800.00}. It read for overdraft protection fees. I was very upset. I have two credit cards, I don't need overdraft protection, and as far as the old checking account, there was never a time in recent years where they had to charge for overdraft of the account. So what is this all about? I went to my local branch twice, and I made several phone calls. Evidently this decision to try to steal money from me through the crdit card with bogus fees is made from someone higher up. I got the impression that the associates themselves were baffled. This reminds me of the scandal with XXXX XXXX, whom I do not trust. Now Bank of America is delving in shady practices too against the consumer. 

As of today, XXXX XXXX, Bank of America has not released the hold on the checking account that my ex- husband has his pension nor have they took off the ridiculous fee of {$3800.00} for overdraft protection against my credit card. My daughter in law has helped my ex-husband placed numerous phone calls to both XXXX XXXX XXXX XXXX, and Bank of America. They are each blaming each othe. XXXX XXXX   XXXX told them that they released the hold on XX/XX/XXXX, with Bank of America. It is now XX/XX/XXXX. In essence, they are holding his funds hostage and this is not how you treat senior citizens. Money that he needs to care for his needs. 
This is a joke that is not funny and someone needs to answer for this. 
What I want is for Bank of America to take off those overdraft protection fees from my credit card immediately and I want them to released my ex-husband funds. I think that this is really a scary situation. There was no paperwork or advance warning!
Product: Credit reporting or other personal consumer reports

This credit reporting agency, have yet to fix the inaccuracies on my report. The spelling of my first name is incorrect, as Ive attached and certified mail to them. Also, they havent deleted an XXXX XXXX  account off of my report. Which was open XX/XX/XXXX its XX/XX/XXXX it been was suppose to fall off my report. I'm entitled to payment under the FDCPA for each infraction, and it's apparent that they broke my rights.
Product: Credit reporting or other personal consumer reports

Experian has dropped my credit score by XXXX points as of XX/XX/2023. The reasoning stated for this is that my mortgage balance increased which if did not. Additionally, they are reporting a balance on a student loan with XXXX XXXX, which they are aware paid off because of the prior dispute in XXXX. in the XXXX incident, they listed the XXXX XXXX twice, listing it as separate account. 
In this instance and well as the prior, Experian is listing incorrect information. which the other reporting agencies do not. 
At this point it is my firm belief that their actions are intentional in an attempt to sell their monitoring services, as i have been offered these services as a solution following each incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ADDRESSES : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX - Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.
Product: Checking or savings account

on XX/XX/XXXX, I went to the branch and got a money order for my XXXX totaling XXXX. Later in the evening, I realized, while looking at my account, that the bank had charged XXXX  for the same amount of the money order on XXXX, XX/XX/XXXX I went back into the branch to alert them about the error and was told that this would be taken care of and that the funds would be refunded on the following XXXX. On XXXX, the funds had not been refunded. On XXXX I called the branch again to get A status update and was told By the manager that the money order they had sent sent to back office or higher up had already been cashed and were processing the other money order in that this was another mistake that was made in Correcting the bank error. She confirmed that the XXXX  order had not been cashed and that it should not take long for a refund. After waiting XXXX  days, I called to get another update and was told that there was an email that was sent and that they were waiting for a response, The manager was out on XXXX  leave and that I needed to contact their acting manager for status. I was told by the bank tell her that I Should stop calling every XXXX  because its not going to change the outcome and She sees over XXXX customers every XXXX  XXXX  and unfortunately unfortunately shes sent an email but thats all that she can do. When I asked for someone to call me Who would be able to give me a better answer and an update on my refund? l, I was told She was not authorized to give me any information. She suggested that I call the active manager who is at a different branch. I called that branch XXXX times and no one answered. I called the XXXX XXXX customer service line and was told that because it was a money order that it has to be refunded by the branch location itself through a manager, and that online customer service are unable to cancel a money order, even if it has been verified that it has not been cashed And asked me if I wanted to be transferred to the branch. A little before XXXX I called the branch again with my cell phone number, and no one answered. I called from my work phone and the phone call was answered. I asked if the XXXX was there and was told that she had already left for the day and that she would be at the branch the next XXXX, but would In and out So not really sure when I would be able to speak to her. I was informed that she was aware, and that the regional manager was aware and that they were trying to figure it out. I gave my number again To receive a phone call hopefully XXXX. This XXXX, will make XXXX weeks that they have held my funds While correcting their own bank error with no status update on whether or not someone is working on the refund itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I reached out to JP Chase Morgan Bank. There is a business account # XXXXJPMCB CARD reporting to my personal credit. I have requested that it be removed, and have a tracking number : Tracking Number : XXXX FRCA CONSUMER LAW 15 USC 1681 SECT 602 H states I have the right to privacy.

15 USC 1681 SEC 604 A SECT. 2 states A consumer reporting agency can not furnish an account without my written instructions.

604 SECT 2 In general, subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with written instructions of the consumer to whom it relates.

Those consumer laws were violated, and I have not received anything about written instructions to furnish to my credit report. I would like the account removed from my credit report immediately. I am in the process of purchasing a new home, and this violation of my rights prohibits my ability to do so.