23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a 3 year note with Associated Bank ( AB ) ending on XX/XX/2018 with a 2 % prepayment penalty clause. When XX/XX/2018 came we had the Note renewed for a 5 year term. The prepayment penalty ( pp ) on the second note was structured differently. 5 % pp if the note was paid in full in the first year and 4 % pp if the loan was paid in full in the second year and so on. 

All I knew before signing the note was the interest rate and the duration of the note.My complain with AB is that I saw the note for the firsts time the day we signed the papers. The AB employee briefly " explained '' each page before flipping them over. very poor mentioning of the prepayment penalty on a 35 page document on a half and hour meeting. I do accept responsibility for not thoroughly reading 35 pages in a half and hour meeting, but I think AB should take responsibility for not explaining well to clients important details of the documentation and for not giving clients ample time to see the documents before signing. 

Another issue I have with AB is that they changed the pp from 2 % for the entire 3 years on the first note to 5 % if the note was paid on or before the first year of the 5 year loan, 4 % if the loan was paid on or before the second year, 3 % pp if the loan was paid on or before third year, 2 % pp if the loan was paid on or before fourth year 2 and 1 % if the loan was paid on or before fifth year. 
We sold the property less than a year after we signed the second loan and we were charged the 5 % pp. 
I tried to work with them to possibly charge me 2 %, much like the first note as the pp was very hefty, but they declined to keep some responsibility for explaining the note terms adequately at the signing. 
I am aware of the brutal " goals '' they impose on their employees which in turn their employees either are dishonest with clients or do not take the proper time needed to serve the clients properly. I call AB on shady banking practices and on very poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX -each bureau reports a different date of last activity Date TransUnion ShowsXX/XX/XXXX XXXX   Shows XX/XX/XXXX XXXX Shows XX/XX/XXXX XXXX, TransUnion, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Product: Debt collection

There was an account opened in my name that was not authorized by me. They stopped taking money out of my account. I am now trying to take the further steps to insure my credit stays in good standing. Thank you
Product: Credit card or prepaid card

XX/XX/XXXX a transaction was made for services which were either not provided or provided deceptively. A/C was not working and XXXX XXXX informed me they found the leak causing my problem and a bad capacitor. I paid for the service and a maintenance program offered by XXXX XXXX. The very next day the same problems with A/C and they come out again and supposedly fix. Goes out the very next day again, I call another company and they look at my unit. Turns out there was a fairly large and obvious pin hole in the Evaporator Coil inside the home and the old capacitor was not even bad, but I needed to replace the system due to the evap coil being bad and I had an R22 compressor unit that needed to be switched to 410a refrigerant with an evap coil change at about {$3000.00} which I had done. XXXX XXXX did not look inside the home at the evaporator coil nor provide services signed up for under a 12 month maintenance contract. When I called to inquire about the issues I was told they no longer provide HVAC services and all my concerns would be sent to the President of the company XXXX XXXX. This particular conversation has been included. 

I never receive a call back from XXXX XXXX but he finally responds back via email where he states my money will be refunded.He does not refund the money and I forward the emails to CITI BEST BUY to prove the promised refund by the president of the company and in a 2nd letter dated XX/XX/XXXX they state I did not provide a full response to their request and sided against me in the dispute. The attached email chain shows that CITI was provided with more then enough information to refund the {$610.00} and side on my favor.
Product: Credit card or prepaid card

In XXXX 2017 I applied for a Discover XXXX XXXX. The ad said the interest rate would range from 11.99 % to 23.99 % depending on ones credit history ( ad attached ). When I received my card I was informed my interest rate would be 23.99 % & with my credit card bill I receive a credit score. At the time I received my card my credit score was XXXX. I contacted Discover and questioned why I received such a high interest rate and was told they based it on my credit score and payment record. I asked them to review my account and make an adjustment on my interest rate. I was advised they are unable to do anything. I asked them to send me the documents used to come up with my interest rate because I do not agree with their findings. I was advised they were unable to give me any such information. I spoke with the XXXX in AZ and he gave me the same answers. If I have an excellent credit history and I received the highest interest rate then their ad is fraudulent. I feel they are giving this high interest rate to other consumers by default. I wrote to Discover multiple times and received the same response as I mentioned above. Based on my experience I feel Discover XXXX XXXX defaults to the highest possible interest rate regardless of what their ad states which makes their ad fraudulent. Please help me get my account reviewed and my interest rate lowered. Please investigate the company 's interest rate practice on the Discover XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After noticing multiple errors and inaccuracies and notifying both XXXX and cfpb There are still inaccuracies and incorrect information being displayed on my report My name is only spelled and reads XXXX XXXX XXXX, Employed should only read XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the address should reflect XXXX XXXX XXXX XXXX XXXX Md XXXX, XXXX XXXX XXXX XXXX Md XXXX and XXXX XXXX XXXX XXXX Md XXXX. XXXX XXXX is a fraudulent address There is also still an inquiry from XXXX XXXX XXXX which was not authorized by me. 
No phone number should be listed as I prefer in person contact to avoid any confusion involving my identity. 
As a musician I am constantly fighting to protect my personal identity, bank accounts and more including family. 
Me and my Girlfriend are currently still facing identity theft and are constantly being attacked by whoever has my information I have been battling with identity theft since XXXX  and the XXXX data breach has only made it worse for myself and now my girlfriend who is now finding unauthorized accounts and more under her name she did not even know existed.
Product: Debt collection

I was harassed every single day of the week in XXXX-XXXX  of 2021. This company constantly called me, left me messages, and pushed me to pay off a debt I was/am unable to pay. The debt collector is CRME Financial Services and the amount owed is {$840.00}. I was XXXX during the duration of COVID-19 and had/have no sources of income whatsoever to support paying off this debt. I also had to relocate/move my home due to COVID-19. I lost a lot over this last year and being harassed was not fair to me whatsoever. I disputed the account through XXXX XXXX and XXXX, stating it was a HIPAA violation, and nothing was resolved. I could really use some help with this. I am just doing my best to get back on my feet. Thank you.
Product: Bank account or service

I have had a bank account at Citibank for 13 years. At the time of opening, i negotiated a package with no monthly fee and no minimum. I just noticed on my online account that I am being charged a monthly service fee of {$25.00}. I looked back, and this fee was assessed month after month since XX/XX/XXXX. A total of {$270.00}. Citibank CLAIMS they sent me a letter telling me of this change, but they could n't have because I never would have agreed to it. I called and made a stink and only got {$100.00} back. This from someone who has XXXX bank accounts, a credit card and mortgage with this bank, and who certainly has less money to burn than Citibank does.
Product: Debt collection

this was opened XXXX XXXX,2017 this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i zelled {$200.00} to a person with a bank account at XXXX XXXX XXXXXXXX from my bank of Truist. This person said they had a property for rent on XXXX. This was fraud and they used a stolen real estate listing and opened the bank account at XXXX XXXX  XXXX to have money sent to. 
I contacted both Truist and XXXX XXXX  XXXX as well as filed a complaint with XXXX XXXX XXXX  sent a letter that i authorized the payment but XXXX XXXX XXXXXXXX refused to pass on the information that as soon as i paid the money the receiving party disappeared. Closed his XXXX XXXX XXXXXXXX account. The banks refused to help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Equifax Information Services and XXXX, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. 
in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.
Product: Debt collection

Collection agency trying to collect the amount of {$1600.00} for XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) - attached- below is the letter sent back to the collection agency. XXXX refused to move the case forward while in court taking me with no other choice than agree with a a number to pay. All original fees and expenses was paid and further payments were done during the case, the charges they are claiming is not real. 
XXXX actually owns me the amount of {$5000.00} as they are responsible for not defending me on the case after they receive over XXXX pages of receipts and proves of payments made to the mother during the course of child support until my daughter got over XXXX XXXX XXXX - Note : My Daughter actually always lived with me as of this day she still lives here with me- The mother just went to court falsely accused me lying i never paid child support, I did prove with documents and support original files that I paid child support on the times the daughter stayed with the mother. 
Attached letter submitted to the agency, further documents as pay stubs and original files are available on request when needed,
Product: Checking or savings account

Hello. I have a personal Chase Credit Card. When I logged in to my Chase Credit Card account this weekend, there was a checking account there - that I do not own. I clicked on it to see what it was, and I recognized it as being related to a former employer from over 6 years ago. I know Chase did the XXXX XXXX XXXX this weekend. I used to be on many of my former employer 's accounts with XXXX XXXX, Goldman, and JP Morgan. When I left the company I made sure to talk to all of our concierge bankers and remove myself and all my contact info from any of their accounts. Then this weekend I logged in and had full access to one of their bank accounts and I shouldn't have. I tried calling the bank, but nothing seemed to work. I did alert my old employer and gave them the last 4 digits of the account number, but I find it hard to believe that these people are the only ones having this problem. I suspect many XXXX XXXX account holders aren't aware that their full banking access may be given to someone they do not want to have it or should not have it. This is a big deal and should be taken seriously. These banking systems are sitting on old tech that keeps getting reverted back to old systems. They need to stop giving out money to execs and shareholders and invest in the protection of their clients!
Product: Mortgage

Account/Product Type : Mortgage Loan Complaint My mortgage loan has been sold for a 2nd time since XX/XX/XXXX of XX/XX/XXXX, Original loan holder was XXXX, the principal balance prior to the loan modification was XXXX after the loan modification was completed the loan went to XXXX with adding Escrow fees. Then in the process of closing the deal for the loan modification with XXXX the loan was sold to Caliber Home Loans after talking with them about the loan modification with XXXX they honor it and I started paying them the mortgage, Now I get a letter saying the loan was sold again to XXXX XXXX XXXX  as of XX/XX/XXXX received that letter on XX/XX/XXXX mortgage has been sold again to XXXX but the balance was is XXXX what the heck! 
But Caliber Home Loan is still the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate if your taking the time to CORRECT some of the information in my credit file ; I discover, there are still other account that need to be UPDATED. The TransUnion credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2020 Balance : {$5400.00}
Product: Credit card

Barclay 's credit card, reduced my credit limit from XXXX dollars to XXXX dollars. I'm not sure why. If an inquiry was done after the initial credit limit of XXXX, was given, it was NOT with my CONSENT.
Product: Money transfers

My name is XXXX XXXX and I am XXXX years old. In XXXX 2015 I received a phone call from XXXX saying my computer was ready to crash and needed protection. It scared me to think it might crash and I would lose everything. They said they could fix it, and protect it, if I purchased their program. I accepted their advice, and offer, and used my XXXX card as payment. However, after thinking about it, I did not have a good feeling and worried it was a scam. The very next morning I spoke with XXXX and XXXX to cancel it and issue a credit. XXXX was not happy I wanted to do that, but said it would be done. I spoke with XXXX and they issued a pending credit, which showed on my last statement. In late XXXX we moved and I no longer even have that computer. 

I just received my most recent bill and the credit was reversed. Both I, and my husband have been on the phone with XXXX and XXXX today trying to resolve this. We called XXXX first and they said to call XXXX. I then spoke with a woman there who said it had been cancelled. She connected me to someone else, but i was disconnected. 

We are looking to you to get this resolved as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXXXXXXXXXX   Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XX/XX/XXXXXXXX  Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXXXXXX  Alleged Creditor # XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to you regarding the permanent limitation that was placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to submit a complaint to appeal this PayPal decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always complied with the terms and conditions of PayPal, and I have never engaged in any fraudulent or illegal activities. Therefore, I am confident that this limitation is a result of a misunderstanding or an error on PayPal 's part. 

Secondly, I would like to request PayPal to re-investigate my case thoroughly. I understand that PayPal has strict policies and procedures to protect its customers, and I respect and appreciate that. However, in my case, I strongly believe that the limitation was placed unfairly and unjustly. Therefore, I kindly request you to review my account again and consider restoring it if possible. 

In conclusion, I would like to thank you for your attention to this matter, and I look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or clarification. I hope that we can resolve this issue in a timely and amicable manner. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Im not sure if this man is calling from the same company, but hes calling my children leaving messages as if ive broken laws and that hes calling the authorities. They put me into collections fraudulently and i fought it on my credit reports and the account was removed. This would be the only company harassing me since all my debts were included and discharged in a bankruptcy. He says his name is XXXX and his # is XXXX