23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CITIBANK CREDIT CARD FAILED TO FOLLOW SERVICEMEMBER CIVIL RELIEF ACT 50 U.S.C. CH50 3937. Maximum rate of interest on debts incurred before military service ( a ) Interest rate limitation ( 1 ) Limitation to 6 percent An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember, or the servicemember and the servicemember 's spouse jointly, before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent -- ( A ) during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage ; or ( B ) during the period of military service, in the case of any other obligation or liability. 
( 2 ) Forgiveness of interest in excess of 6 percent Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 
( 3 ) Prevention of acceleration of principal The amount of any periodic payment due from a servicemember under the terms of the instrument that created an obligation or liability covered by this section shall be reduced by the amount of the interest forgiven under paragraph ( 2 ) that is allocable to the period for which such payment is made. 
( b ) Implementation of limitation ( 1 ) Written notice to creditor In order for an obligation or liability of a servicemember to be subject to the interest rate limitation in subsection ( a ), the servicemember shall provide to the creditor written notice and a copy of the military orders calling the servicemember to military service and any orders further extending military service, not later than 180 days after the date of the servicemember 's termination or release from military service. 
( 2 ) Limitation effective as of date of order to active duty Upon receipt of written notice and a copy of orders calling a servicemember to military service, the creditor shall treat the debt in accordance with subsection ( a ), effective as of the date on which the servicemember is called to military service. 
( c ) Creditor protection A court may grant a creditor relief from the limitations of this section if, in the opinion of the court, the ability of the servicemember to pay interest upon the obligation or liability at a rate in excess of 6 percent per year is not materially affected by reason of the servicemember 's military service. 
( d ) Definitions In this section : ( 1 ) Interest The term " interest '' includes service charges, renewal charges, fees, or any other charges ( except bona fide insurance ) with respect to an obligation or liability. 
( 2 ) Obligation or liability The term " obligation or liability '' includes an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage. 
( e ) Penalty Whoever knowingly violates subsection ( a ) shall be fined as provided in title 18, imprisoned for not more than one year, or both.
Product: Credit card

I had Citi for approx. 5 years when in 2013 they cancelled my personal and business card for no reason. I applied for XXXX of their cards this week and was denied. I always paid the Citi cards every month and on time. I have excellent credit score. I also have NEVER been late in any bills in my entire life. I would like for someone to help me resolve this. I really would like to know why would Citi Card not want to give me credit.
Product: Checking or savings account

XX/XX/2023 Funds in my persnal account XXXX Chime bank put a hold on my funds no return or explanations they asking for an W9 for I don't have any business I'm looking for housing I am homeless so I'm saving for and apartment and the holding my funds
Product: Credit reporting or other personal consumer reports

Transunion is reporting the following items incorrectly. I filed a police report for identity theft and have also requested these companied to seize all communications but are still communicating via credit reporting company Transunion. Under the 15 US Code 1692 -C ( Ceasing communications ) Transunion is violating my rights by reporting the following items. 

XXXX. XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX - Account XXXX XXXX. XXXX XXXX - Account XXXX XXXX. XXXX- Account XXXX Please have Trans-Union remove these immediately as it is a violation of Federal law 15 US Code 1692 - C.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report XXXX XXXX XXXX Balance : {$32000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get all reports XXXX  XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes KOHLS XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.
Product: Credit card or prepaid card

Obtained this card through a store for a purchase I was making at the time, got a promotional purchase that allowed me to pay interest free if paid by a certain time. I had since not used the card but had automated payments going thru each month a bill was due and not once had I missed a payment. My intentions was to pay the card off as the promotion is coming to an end, I received a credit alert saying that Synchrony had reduced my available credit from {$500.00} to {$250.00} for no reason at all. I had not authorized Synchrony to pull my credit nor would they have a reason to do so given that this account is fairly new and hasn't been used that much ( at least not in the moment ). As of a result of Synchrony 's action it had reduced my credit score and reflects poorly overall for my credit utilization. This has potential to harm me financially in the short term for again no reason at all. I had not applied for anything further from synchrony and in fact hold a Amazon account with them that is also paid for automatically and has never been delinquent,
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to do a credit verification and they said they did, I went ahead and did one myself and found different inaccuracies in the report. 

In accordance with the Fair Credit Reporting Account XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A Section 2. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I had a debt of {$28.00} with XXXX XXXX. XXXX XXXX offered to reduce this to {$8.00}. However, XXXX XXXX said the debt was in collection. When I called the collection agency -- Professional Account Management -- the agency refused to lower the amount to {$8.00}, as XXXX XXXX had. I tried many attempts and the representative, XXXX, refused. He refused to let me speak to a supervisor. He even offered to pay it himself. When I took him up on this offer, he declined. The call was being recorded so you may check for yourselves. This was unfair and predatory. I should have only had to pay {$8.00}. I want my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a " Dispute '' of XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4100.00} Balance updated XXXX XXXX, XXXX ... I have never had any Accounts with XXXX XXXX XXXX! MY " IDENTITY WAS STOLEN '' WAY BACK IN, ABOUT XXXX ; AND MY PERSONAL STUFF IS ON THE DARK WEB, AS SHOWN BY EXPERIAN. BACK THEN, CRIMINALS FROM XXXX XXXX  WERE SELLING MY INFO/AND DATA ALL OVER THE WEB. 

ALL OF A SUDDEN, THIS XXXX XXXX XXXX  AND XXXX XXXX XXXX, SHOWED UP ON MY CREDIT REPORT IN XXXX. Payment Info Original loan amount {$4100.00} Balance {$4100.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. XXXX XXXX XXXX XXXX XXXX ARE VERY " BAD ACTORS '' AND SEEMS TO UTILIZE " CREDIT PARKING '' : XXXX XXXX XXXX ( XXXX XXXX XXXX? XXXX ) FTC Stops Debt Collectors Alleged Debt Parking Scheme, Requires it to Delete Debts it Placed on Consumers Credit Reports PER/EXPERIAN ... Dark Web Internet Surveillance Monitors the dark web for any activity associated with your identity. Learn more! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Phone Number Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Social Security Number Alert XX/XX/XXXX See Details! 
Compromised Email Address  Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX Report XX/XX/XXXX See Details Compromised Social Security Number Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX See Details We're searching the past if your information was compromised or used by an identity thief, so come back soon to view your report.
Product: Checking or savings account

On XX/XX/XXXX, I received an SBA PPP loan for my business into my Capital One account for my XXXX XXXX business. I made payments from this account leading all the way up to when I went to make a deposit into my savings account to ensure I follow the PPP guidelines for loan forgiveness. There are no Capital One banks anywhere here in California, so when I deposited my check on XX/XX/XXXX it went directly into the checking account the check was written from prompting Capital to place a freeze/hold on my account. I first was informed that through email that same day of my account being placed on hold and to call in order to verify what was going on. I called that same day but the offices were closed. I called the following day on XX/XX/XXXX and informed them of what happened. A lady spoke to an investigator who then asked why there was payroll in the memo and this is a personal account. I proceeded to let her know that I am a self employed person ( XXXX XXXX XXXX ) that received a loan from SBA and was following the terms to ensure the loan was forgiven. She began to tell me that I could not receive a business loan in a personal account and stated that I would receive an email with instruction on providing proof that I am in business. I never received that email, I called 2 days later to find out there was no movement with my account. On XX/XX/XXXX, I still hadn't heard from Capital One, so I called and found out that there were documents I needed to submit ( no email had been sent to me as previously stated ). I provided the required document and was informed that a specialist would be assigned to the account. 2 days later, someone was assigned to my account and has looked over the required document but yet has not made any notes on my account. I have called everyday since I submitted what they required, however, they continue to tell me they can not give me a timetable as to when this will be resolved. This has been such an inconvenience and no seems to want to help me. I have bills that have gone passed due as a result of this and I can not pay my rent or anything becuase they will not give my account the attention it deserves. 
I am requesting the immediate release of my funds and the restrictions removed from my account. Case # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received an email from Chase bank asking to confirm a purchase that was fraudulent. When I selected " no '', Chase informed me they would send me a new card. Minutes later I received another text stating a purchase was declined and I texted back " no '' meaning I did not approve. I immediately received a call from what showed as Chase Bank and contained their number on my phone. The man on the line said my account information was stolen and an ATM withdrawal was made. He informed me of all of my information including banking PIN. He said a XXXX payment was also blocked and I needed to resend the payment to XXXX to reverse it. After several minutes of hesitation he stated more of my account info and i mistakenly sent the XXXX payment thinking this was Chase. When I called back later to ask, Chase had no record or knowledge of it. They performed an investigation and said it was my fault for being scammed and I would not receive the {$5000.00} back from the XXXX. They refunded the ATM withdrawal but said the investigation was closed. No mention of me being able to track or file charges against the person that did this. They continued to tell me " Chase will never call you '' and that there was nothing they could do since I authorized the payment. However, my information was stolen and the scammer knew when Chase had reached out to me.
Product: Debt collection

In XX/XX/XXXX, I was taken to Landlord Tenant court ; by XXXX XXXX I made an agreement to pay XXXX, XXXX, XXXX, XXXX, and Attorneys ' fees. I made all payments by XX/XX/XXXX except {$500.00} attorneys. I lost my job in XXXX. Which lead me to become behind in rent moved out in XX/XX/XXXX. When I moved out, I was in arrears {$4900.00}. For XXXX, XXXX, XXXX, and partial XXXX. My security deposits were {$1400.00}. I did not receive it back which was understandable under the circumstances. XX/XX/XXXX, I received correspondence from National Credit Systems stating I owed {$5200.00} to XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX of XXXX. Furthermore, National Credit Systems is collecting on XXXX behalf. I submitted supporting documents that those payments were made, and that security deposit was not deducted and that the amounts reported is inaccurate for two reasons. One, the months are not correct please request payment history from wincoram. Two, security deposit was not deducted. To no avail even with documentation National Credit refuses to update the account so I can make payments and with the credit agencies. I did not go into contract with national credit, nor did I accept the debit. Please assist me as to what I should do.
Product: Credit reporting or other personal consumer reports

I had these fraudulent accounts removed and for some reason they are appearing on my profile again these accounts do not belong to me I already had XXXX help me but for some reason they keep showing on my XXXX and XXXX this is really harming my life and financial health
Product: Mortgage

In XXXX of 2022 my wife and I were granted a loan modification from Flagstar Bank thanks to CFPB help. We received the modification with the executed date of XX/XX/. The modification was backdated to XX/XX/, which we were told by several of the loan counselors we talked with at Flagstar was very odd. Over several phone conversations I was told that the modification was being processed and they would let me know when to pay. We never received anything from Flagstar about paying, and every time we called, we were told that the modification was being processed. The website was not updated until XX/XX/ and at this point, we were being foreclosed on due to 7 missed payments. So, after I called and spoke with XXXX, a loan counselor, on XX/XX/, I was told I could not make any payments and had to go through the foreclosing attorneys office. I was told by XXXX XXXX, attorney for Flagstar, on XX/XX/XXXX that I would need to pay {$56000.00} to bring the loan current. I explained to him that amount was incorrect due to our modification and that XXXX from Flagstar would be sending him the correct information later that day, he said he would get back to me, but he never did. The foreclosure was later dismissed and I started working with the bank to get everything taken care of. 
I have been in the process over the last 10 months trying to fill out Flagstars Loss Modification documents and to gain a forbearance, but am having a very difficult time doing so. I will receive notices and supply the needed information, and nothing happens. Then I will receive a notice in the mail saying the application has been closed, but on the website, it will say processing. I have been told by several of the loss mitigation counselors that you cant trust the website and I should call. I have done this 3 times now, and the bank will send me information on what they need and when I upload the documents, they say they never received them. A few weeks later, the application will be closed, and I will have to start the months long process all over. I have screenshots, where the documents appear on my forbearance application as being uploaded but Flagstar says they never received them. At this point, I have uploaded the needed documents once more for the application started in XXXX of this year, and again, Flagstar says they werent received as of XXXX. I have now faxed them, but we are in a time crunch as they are restarting the foreclosure process on XXXX. 
We dont want to lose our home and just want to be able to pay our monthly mortgage and not have to come up with XXXX of thousands of dollars at once. We love this house and just want to be able to live in it without this constantly hanging over our heads. Please, can someone help us make sense of all of this so we can just pay our monthly mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXccount # XXXX, XXXX  account # XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- retail account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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
Product: Credit card or prepaid card

XX/XX/2018 Amount {$1900.00} BANK OF AMERICA CREDIT CARD AMEX The fraud team has investigated this claim 5x and has provided no substantial information as to why my claim was denied. I did not have my card in my possesion nor recognize this charge on my account. I called BANK OF AMERICA immediately as soon as the charge was billed to my account, I have called numerous times to speak to the investigation team to give them all the information I can. Multiple times I've been promised a call back and have not received one.

After the 1st denial of the claim, I reopened the claim because the associate did not note if I had the card in my possesion. I told the representative from BANK OF AMERICA I DID NOT have my card in my possesion when the charge was made. 

This ongoing issue has been more than three months and everytime the claim gets reopened and closed ( 5x ) I am not given a reason as to why. I need this issue revolved as I did not  make this purchase.