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

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.
Product: Credit card

i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.
Product: Mortgage

This is a follow up on complaints number XXXX, XXXX,XXXX.

Bank of America is violating the FEMA guidelines during a forbearance process in a federally designated disaster zone. I have been battling Bank of America for almost a year on their fraudulent practices in dealing with the FEMA designated disaster zone and the federal regulations allowing forbearance of a XXXX XXXX   and XXXX XXXX loans.

They are also violating the fair lending act by modifying my loan parameters and my property rights during what is supposed to be disaster relief.

Bank of America just sent me my paperwork for my loan modification for the forbearance of my mortgage as a result of the hurricane Irma. In the modification Bank of America is taking advantage of the people in need by not only modifying their loan but taking away rights with added language they have fraudulently added to the loan modification document. The only modification that is allowed by federal guidelines it to cap and extend the loan by adding the number of payments without penalty to the end of the loan and extend the loan by that number of payments. No where in the federal guideline does it state that they have the right to modify the property right of the owner. This is clear violation of federal law and thy need to be investigated.

All the terms of the XXXX XXXX   LOAN MODIFICATION AGREEMENT are fairly standard and only reference the current loan and any additional paperwork that needs to be signed.

Section 4. Additional Agreements Section P.

This section is taking my rights away from my property in the event of a default. This section allows BofA to hire a receiver ( property manager ) to take over my lease ( if the property at the time of default is being rented ) and take my rental income. This section allows them to take over my lease, charge management fees, and take over my lease in the event of a default. Please read this section carefully.

Bank of America is taking advantage of a disaster relief and in the process they are taking away my property rights. I find that this to be a very underhanded way of taking advantage of people in a time of need. It is illegal. I am basically being forced to either sign the agreement which take away my property rights or they will not give me the modification.

Please investigate the legality of this clause and please investigate Bank of America for violation of federal guideline.
Product: Money transfer, virtual currency, or money service

Summary : I was trying to sell a {$500.00} item on XXXX XXXX but was aggressively coaxed into sending total of {$2000.00} to a scammer. Payment was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). 

However, Chase representative XXXX XXXX was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person the next morning after the incident. 

Details : XX/XX/2022 XXXX  XXXX am : I listed a XXXX XXXX guitar for sale on XXXX XXXX for {$500.00}. 
/ XXXX am : Received a XXXX message from XXXX XXXX claiming interest in listed item and proceeded to discuss item condition/logistics. XXXX asked for personal information ( email address, phone number ) which I then provided. 
/ XXXX am : XXXX claimed to have sent the promised amount for transaction via " XXXX. '' I received an email from " XXXX '' which looked auto-generated and official from " XXXX. XXXX / XXXX pm : I sent the item to alleged address of recipient in Louisiana via XXXX, took picture of receipt to send to XXXX. 
/ XXXX pm : " XXXX '' sent me an email claiming that my account has been restricted in reference to account limit. 
/ XXXX pm : XXXX began to claim that there was an issue with my XXXX account due to its non-business nature. XXXX claimed that they will send additional {$500.00} to offset the account restriction on my end. XXXX made me promise that I will return the excess sum of money, which I agreed to. 
/ XXXX pm : I sent {$500.00} to " XXXX '' agent. 
/ XXXX pm : XXXX claimed further issues with their " XXXX '' account, claiming that they made excess payment of {$500.00}. 
/ XXXX pm : I believed XXXX and proceeded to send alleged excess amount of {$500.00} to " XXXX '' agent. 
/ XXXX pm : Received email from " XXXX '' claiming that I need to pay certificate form fee of {$1000.00} which I'd have to pay to release pending credit to my account. Paid out {$1000.00} to resolve restriction. 
/ XXXX pm : Started getting suspicious and asked for proof that XXXX actually sent money via XXXX. Asked for proof but was only given screenshots of payments out to my name. My account was still not credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to XXXX, TransUnion and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. All three bureaus refused to adhere to the law and refused to do all that they could in that moment, to protect me, the consumer, my rights and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Experian, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting or other personal consumer reports

I SENT XXXX, EQUIFAX, AND XXXX LETTERS CONCERNING THE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT ON XXXX AND THEY HAVE DONE NOTHING AND I HAVE ATTACHMENT DOWN BELOW. 

SEE ATTACHMENT AND PLEASE DELETE
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX  Thank You in Advance for your Cooperation.
Product: Checking or savings account

Dear Citibank, I am writing to bring to your attention a malfunction that occurred at one of your ATMs located at XXXX XXXX XXXX, XXXX, New York XXXX on XX/XX/2022 at XXXX. The ATM ID is XXXX. 

On that day, I attempted to deposit {$3700.00} into my account using the ATM. However, the machine stopped working during the transaction and did not complete the deposit. I immediately contacted your customer service department to file an investigation. 
I was informed that there was only {$50.00} found in the machine and I was credited with {$50.00}. I then spoke with the branch manager and was told that the investigation would continue. However, I received a response later that there was no deposit of {$3700.00}.

I am extremely dissatisfied with the outcome of the investigation and the lack of assistance provided by your customer service and branch manager. The malfunction of the ATM caused me great inconvenience and financial loss. I strongly urge you to take appropriate measures to ensure that such incidents do not occur in the future. 

I look forward to hearing from you soon and hope that you will take appropriate action to rectify this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Mortgage

I am not able to accept the modification offered by Ocwen Loan Servicing , LLC .
Product: Mortgage

Hello, I refinance with XXXX XXXX XX/XX/XXXX and at that time they put XX/XX/XXXX tax payment into escrow. I just refinanced again with same company XX/XX/XXXX and my attorney found that the taxes are deliquent because the City of XXXX did not receive the XX/XX/XXXX tax payment. I have phoned into Amerisave and servicer ( Dovenmuehle in Illinois ) 10+ times over the last 2 months trying to get this resolved and as of today the City still does not have the tax payment nor the interest payment. According to " XXXX '' at Dovenmuehle on XX/XX/XXXX at XXXX  she stated that they sent 2 checks to City ... .check # XXXX in the amount of {$1200.00} which was deducted from my escrow to pay the taxes and check # XXXX in the amount of {$290.00} was paid by them ( Dovenmuehle ) because it was there mistake ... this was for the interest charge. I physically went to the city tax office this past friday and they never received the checks. I phoned back into Dovenmuehle today and spoke with " XXXX XXXX '' and she opened a work ticket and said it would take another 3-5 days to research. I asked to speak with her supervisor whose name is " XXXX XXXX '' and she said he would call me back. Dovenmuehle phone # is XXXX. Loan # is XXXX I received a payment notification from servicer stating that my taxes in the amount of {$1200.00} were paid on XX/XX/XXXX however the city never received the money nor did they get the interest fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my credit after the XXXX breach. I placed freezes with both XXXX and Experian. Now, I need to unfreeze my file. I was able to do this online with XXXX, but unable to do so with Experian online or by phone even when supplying my PIN. I called both of Experian 's XXXX numbers but only received a computerize phone instructions to mail a letter with all sorts of information and supporting documentation. First, I am a DoD civilian stationed in XXXX, and it's not clear to me whether I need to use my XXXX address or my XXXX address. Second, the amount of documentation required is simply excessive, especially in consideration that I supplied my PIN. Third, I am virtually guaranteed to experience an unacceptably long delay in using my credit because I am forced to use mail. Being overseas, I'm looking at 1-2 weeks for mail to arrive plus 3 additional days for Experian to process my request. I'm moving back to XXXX next month and have need to obtain housing, which will require a credit check. Now, how am I supposed to do that in time? Experian simply has an unacceptable process, and it does not need to be so onerous. To wit, XXXX 's approach was simple, and I didn't even have to supply my PIN. It makes me angry that these credit bureaus are legally permitted to broker in my credit, that one of them breach my sensitive information prompting me to go through elaborate procedures with multiple bureaus to protect myself, and that I have to go through another unreasonably complex, inefficient, and risk-prone ( i.e. mailing all sorts of sensitive information through the mail to a credit bureau address ) procedure. I request that the CFPB investigate these practices or seek to have an investigation occur, seek injunction to stop these practices, and seek damages on behalf of me and other injured individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Please remove : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Original Balance {$21000.00} Monthly Payment - Past Due Amount {$18000.00} Highest Balance - Terms 84 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 210 Monthly Payment {$0.00} XXXX XXXX XXXX {$0.00} Highest Balance - Terms Revolving Responsibility XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Repossession Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Original Balance {$23000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 69 Months Responsibility XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or XXXX XXXX & XXXX ; XXXX XXXX XXXX XXXX  Status Updated XX/XX/XXXX Balance {$4300.00} Balance Updated XX/XX/XXXX Original Balance {$3900.00} Monthly Payment XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or XXXX XXXX & XXXX ; XXXX XXXXl XXXX XXXX Status Updated XX/XX/XXXX Balance {$3500.00} Balance Updated XX/XX/XXXX Original Balance {$3300.00} Monthly Payment - Past Due Amount {$3500.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments Student loan assigned to government ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XXXX XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$1400.00} Monthly Payment XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Product: Debt collection

I received a call from a spoofed number. I could tell because the area code was XXXX but the caller ID did n't have a state. They left a message saying they had something ( they did n't get specific ) attached to my social security number and would take legal action if I did n't return the phone call. I find it interesting that they would n't reveal their company name. Professional companies give information not shady messages. 
The ONLY way I will EVER communicate with them is if they mail me a copy of the original debt, who they are collecting for, a copy of a contract or payment agreement, and dates of payments I did make. Until I receive the above information they are not to call me.
Product: Mortgage

I have contacted Caliber Home Loans several times regarding them falsely reporting that I am {$5400.00} past due on my mortgage and I have been late on my payments since XXXX. I wrote a letter to Caliber on XX/XX/XXXX, and I called the same day. I have inquired about the information each time I paid my mortgage : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told that the information will be updated, however ; I just checked my credit report and it states the same plus they added XXXX and XX/XX/XXXX as past due 90 days. 
I would just like for accurate information to be provided on my credit report. I am not past due and my last late payment was in XX/XX/XXXX.
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 consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax said they verified the accuracy of 2 medical bills placed by : XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX bill amount for {$170.00} from XX/XX/XXXX and is now showing collection of {$320.00} due. I have the statement. 

XXXX  XXXX for XXXX XXXX XXXX XXXX bill amount {$180.00} from XX/XX/XXXX and is now showing collection of {$270.00} due. I have the statement. 

I have offered XXXX XXXX  XXXX ID No. XXXX issue XX/XX/XXXX to supplement my XXXX insurance payments. 

Also my student loans are reporting inaccurately and have refused to be reinvestigated. XXXX XXXX and XXXX are paid as agreed, never late XXXX  and XXXX XXXX Student Loan Forgiveness from the Department of Education Discharge.