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

In early XX/XX/2019, being a Senior Citizen if XXXX years old, I was having difficulty in transferring my funds between my checking account & my savings account in my Citibank accounts. 

Due to that fact that I the Citibanks fund transfer system malfunctioned, I was under the impression that I had successfully transferred my intended funds correctly when it was not, thus resulting in a missed payment which was beyond anyone expectation n control. 
As a result, a $ XXXX/- charge which was unjustiedly n unfaired made. 

I amicably attempted to urge the bank officers in the phone to waive this fee, however, when we came to the discussion of my XXXX year of age, the Citibank supervisor unlawfully discriminated against me because I was told not to use the banks system because of my age, which is against my human rights!!!! 
I now seek CFPB to redress this ILLEGAL AGE DISCRIMINATION against me & have this issue be escalate to the proper US Authorities to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and Vystar is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. Vystar actually gave me money back upon closing the account out. Without my knowledge or consent Vystar reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After Vystar refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an Vystar branch on XXXX XXXX in XXXX, FL and paid the amount that Vystar stated I owed although Vystar credit the negative balance. Vystar refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted Vystar by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!
Product: Credit reporting or other personal consumer reports

I reviewed my report and there are 2 XXXX accounts that I have never authorized, I do not recognize them. Additionally, there is another account marked as negative that also does not belong to me. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : XXXXName : XXXX  Account Number : XXXX Balance : {$1100.00} Date Opened : XX/XX/year>, XXXX.Name : XXXX Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/year>, XXXXName : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/year>
Product: Student loan

I have tried to get my loans forgiven three times and I signed up nothing have been resolved its been over 10 years since I got the loans
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 under XXXX5 USC 1681. 

Account name : XXXX Bank XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that  were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with both the mortgage company and credit company ( XXXX, XXXX, Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance {$28000.00}XX/XX/XXXXXXXX Balance {$410.00} XX/XX/XXXX Balance {$220.00} XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$460.00} XXXXXX/XX/XXXXBalance {$220.00} XX/XX/XXXXXXXX Balance {$0.00}
Product: Payday loan, title loan, or personal loan

XXXX contacted me after I went online to apply for a loan in connection with the impending Coronavirus Outbreak by shoring up my most high payment creditors, along with insuring more funds were available for the increased cost of consumer items as usually happens in situations like this, and to which the state government does little about. I was able to have my car loan payment to be put on the back in of the loan which I wasn't sure was going to happen. 
XXXX somehow got a whole of my old checking account at XXXX XXXX XXXX, and in doing so was unable unbeknown to me at the time, to withdraw a due payment on XX/XX/2020 as I took this loan out early XXXX. I never did get a loan account number until recently when I accidentally stumbled over it nor have I ever receive a copy of the loan contract. The company is based on a XXXX reservation, not subject to state laws regarding Pay Day Lending companies. They are outlawed here in North Carolina. XXXX has harrassed me on several occasions concerning their apparently inability to draft funds from my account. I have repeatedly told them and sent by email, certified mail, and fax the correct account info, and they will not accept my explanation or documentation nor query the employee who signed for the certified mail on XX/XX/2020 with the correct info, and again on XX/XX/2020 I sent them their payment with a XXXX money order sent CERTIFIED PRIORITY MAIL along with yet again correct banking info at a cost of {$15.00}. Today on XX/XX/2020 after them calling me again requesting payment and saying I was in default, I am mailing them my most recent bank statement by regular mail. I have tried to work with them as best I can, now its ' getting to be harassment.
Product: Mortgage

I have been trying to get a loan modification for months and the bank never attempted to give me a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach. As a result, I request that the following accounts and inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts and inquiries removed from my credit report. 
Accounts for Blocking and Deletion : XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$19000.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3300.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$11000.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3100.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$17000.00} XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} Inquiries for Blocking and Deletion : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX PA XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

Received text messages on XXXX XXXX and XXXX XXXX from Chase Fraud indicating possible fraudulent charges on my Chase Southwest Visa ( XXXX ) at XXXX XXXX for {$210.00} and on my Chase XXXX XXXX XXXX XXXX ) at XXXX online for {$590.00}. Called Chase Fraud Department today, XX/XX/XXXX, and spoke with XXXX ( sp? ). The connection was so poor I could only understand 50 % of what she said. I asked for an alternative communication method, either email or chat, she indicated neither was available. I did not make either of these charges and I believe she verified that but can not confirm. I asked that she terminate both accounts immediately but can not confirm. I believe Chase has had a major data breach of card account information and would ask that you seek verification of this. Companies that hold our financial data need to be held to a very high standard. To not offer alternative means of communication is unbelievable in this current environment. Companies should offer the consumer a communication mechanism that can be documented on the consumer 's end not just the company 's end. Request CFPB verify that I have not been charged with these fraudulent charges and that my accounts have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Back in 2014 fell behind on my mortgage with Bank Of America loan origin XX/XX/XXXX to XX/XX/XXXX.  They sold the loan or transferred the loan to XXXX XXXX XXXX Tried to get the loan modified they gave me the run around missing docs, need more information this went on until XX/XX/XXXX I was able to get it modified they lowered the interest rate from 5.125 % to fixed 3.375 % and lowered payments to {$820.00} number of monthly payments 233. 

Assumed everything was correct made my payments to XXXX every month up to XX/XX/XXXX they transferred the loan back to Bank of America. I noticed online that the loan changed to a XXXX XXXX XXXX and remaining on the loan was 39 yrs and 6 month. Called BOA to let them know it was wrong got the run around everyone I talk to agreed with me that it was wrong. I continued making my mortgage payments to BOA and assured they would fix it more time passed. I got busy with life and didn't check on it because every time you have to explain why you are calling again and again and the agent would look at loan mod docs state I was correct and the circle would continue. 
You need to talk to a different department they would put in a claim to a different department to get it corrected. 

Last week I tried again to have someone fix it. Called again today the agent asked my name when I said it they instantly hung up. This happened 4 times in a role. The 5th time I asked the agent not to hang up before giving my name. I never was cross or lost my temper with the agents. Just want to get this resolved. 

When I talk to XXXX  agent they told me that the rolled in the rears and fees and by lowing the interest rate it would not increase the length of the loan. 

Note in my modification it says nothing about a balloon or increasing the loan terms
Product: Consumer Loan

This is a complaint regarding Springleaf. My husband and I borrowed money from American General apx 16+ years ago. My husband passed away in 2012. The highest loan balance was apx {$20000.00}. I still owe {$14000.00} on this loan despite making monthly payment for all of these years. Current interest rate is 22.9 % and my monthly payment is apx {$300.00} which barely pays the interest. I asked for a printout of my loan payments, and could not understand what I received. I am sure I have paid over {$50000.00} on a {$20000.00} to this date. Springleaf has made more than a fair " return '' on this loan. They, American General, and I believe at one time it was XXXX are loan sharks. I will never get this paid back. The loan is still in both my husband and my name. I am XXXX XXXX XXXX. This money borrowed to finance a children 's rights lawsuit. No, there was no life insurance from my husband to pay off this loan. The XXXX home took all of it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Product: Debt collection

Hunter Warfield CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX  XXXX District of Columbia, XXXX To : The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Acquistions are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, To : Consumer Financial Protection Bureau, This letter is to inform you of my current situation with CitiBank. Since XXXX, I have held a CitiCard master card. I never missed a payment, not even during the pandemic. Some of my background information. I opened my private practice, and my mother died last year. During that time I reached out to Citibank to increase my credit limit to cover all of the expenses. I received a slight increase in my credit limit. Meanwhile I continue making monthly payments on time even though I had a card balance. Based on all 3 credit bureaus, my bills are paid on time and I have no delinquent accounts. 
In XX/XX/XXXX, I received an email from Citibank ( Customer Service po box XXXX XXXX XXXXXXXX XXXX XXXX XXXX  stating that based on information provided by XXXX, the company drastically reduced my credit from XXXX to ~ {$17000.00}. To add insult to injury, my credit rating with XXXX dropped from XXXX to XXXX. My credit usage went from XXXX to XXXX in less than 30 days. Moreover my credit rating from all three credit bureaus XXXX, XXXX and XXXX went down considerably. Please keep in mind that my credit ratings from all three credit bureaus were in the upper XXXX for the past XXXX. I called Citibank in XXXX and XXXX to complain about the change but without success. These are the reasons why I am now reaching to you, the Consumer Financial Protection Bureau for assistance. As you know, a drop of XXXX points in my credit score will put me in a bad light with prospective lenders, and other reputable companies that want to do business with me. It may even prevent me from obtaining grants or loans for my private practice. I am not asking for a handout ; rather I would like Citibank to reinstate my credit limit to {$24000.00} and to inform all the credit bureaus about it. I am surprised at the way Citibank is treating me, a long time business partner who continues to pay her bills on time. I sincerely hope that you, the Consumer Financial Protection Bureau, could assist me in this matter. 
Best regards,
Product: Credit reporting or other personal consumer reports

To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has tried to obtain a DEBT collection attempt on XX/XX/XXXX, XXXX the amount was in the excess of {$62000.00}. However, I asked XXXX XXXX in a Correspondence ( attached ) dated the same day to sign a Creditor Disclosure Statement ( never received ). Prior to this complaint, I sent it on multiple occasions. No response.