23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is in regards to an open complaint filed against citi bank please see attached letter received as I do not agree with the information they sent 1. My money is {$45000.00} 2. Citi bank returned {$43000.00}. It was short of {$1800.00} 3. Since WHEN is XXXX dollar higher than USA dollar that {$1800.00} ( almost {$2000.00} ) is removed as exchange 4. Please I need breakdown of exchange rate 5. The information on that your letter that I have attached -pls note- it does not make any sense 6. The information provided is accurate per XXXX XXXX except Transit number which was not needed 7. Receipient Name is XXXX XXXX XXXX ( Citi bank did not provide room for middle name - XXXX ) 8. Please citi bank if you or someone in your department is not raiding me- kindly return my HARD EARN MONEY 9. Exchange rate is too much money collected- no matter what XXXX is lower - 10. I sent the money in USA dollar to a XXXX account 11. Citi should return it back in USA dollar or more 12. This is not XXXX XXXX XXXX then I will understand. IT IS XXXX Dollar 13. Too much money is removed no matter what 14. Please investigate my money abd bring all my money back - 15- it is impossible to make this up 16. XXXX XXXX  SAID they DID NOT receive any transfer from CITI Bank. Not to talk of returning it with an exchange rate 17. If you have proof of sending the wire to XXXX XXXX please 18. kindly send me the tracking proof so we can trace where the money went I believe something is wrong 19. I asked customer services for proof and promise to sent it to my email- they did not up till now- they never responded back as they said they have proof- they got tired of my calling, I speak to different people who keep telling me the same thing over and over. They hung up or pretend they cant hear me.

20. Pls Note : I WILL NOT STOP contacting everyone and anyone UNTIL I GET ALL MY MONEY BACK
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

In conjunction with 15 U.S.C. 1681 et seq., I am reporting the inaccurate information provided below as it directly violates my federally protected consumer rights by failing to promote accuracy and fairness. 

Former Addresses : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, VA XXXX Formerly Known as :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 This Complaint will serve as a follow-up to my previous complaint
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX  XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX : The following inquiry was not authorized and should not be reporting.
Product: Credit card or prepaid card

Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card charges a foreign transaction fee on transactions consummated in US dollars. BAC alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but is silent on charging on US dollar transactions to foreign companies. 

For example, purchasing an airline ticket on a website in US dollars will be charged the transaction fee dependent on how BAC feels ; e.g., tickets on XXXX XXXX in in USD will not be charged, but XXXX tickets ordered and paid for in US dollars are charged. If one orders spare parts from XXXX in US dollars, one is not charged even though XXXX is a foreign company and reports its results in XXXX Yen. 

BAC Customer service could not find either the rationale that made sense or a place in the cardholder agreement that delineates the fee. It appears to be added at random when BAC thinks they can get away with it. 

I was charged {$53.00} in Foreign Transaction Fees on a airline ticket purchase of {$1700.00} ( 3 % ) ; a transaction entirely conducted in US dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield associates is claiming i owe them. This information is either an error or fraud.
Product: Debt collection

I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. 

I have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers.
Product: Credit card

call from Portfolio Recovery on closed account in XXXX  from XXXX XXXX collector called with wrong mailing address only name and DOB she refused to give me her name and stated she was calling about an account from XXXX for balance due. As I took down the information she would not give account number stated I have a balance with XXXX XXXX and she is calling to collect on debt with no information just that the debt is for XXXX XXXXXXXX no account number.
Product: Credit reporting

My visa card company rejected a payment and I had a letter from them saying they had reduced my borrowing level to XXXX. When I rang them they told me that Equifax had a late payment on my credit report. I joined Equifax and discovered that someone had used my name and old address to take out a card with XXXX XXXX XXXX. I emailed XXXX XXXX XXXX and they told me that they had never had any account under my name. I contacted Equifax with this information disputing their false allegation on my credit report as I no longer lived at my old address and was n't living there when this card was taken out. Equifax told me to ring XXXX XXXX XXXX. XXXX then told me that indeed someone had fraudulently opened an account with them in my name and old address and promptly changed the address. The card was frozen and the account closed. All I had to do was request Equifax to contact them and the erroneous credit black mark would be expunged from my credit report. I did that but Equifax remained adamant that the identity theft would remain on my credit report. I am now making a complaint about this
Product: Credit reporting or other personal consumer reports

Unauthorized accounts have appeared on my credit report, likely due to fraud or identity theft. Please ensure these fraudulent entries are blocked and removed.
Product: Mortgage

XXXX XXXX, XXXX I was injured on the job and had XXXX on XX/XX/XXXX. I was out of work and my employer stop paying me for reporting the job related injury. I contacted PHH to mitigate and requested a loan modification in XXXX. I contacted HUD because PHH failed to mail application. I sent loan modification packet back with all information requested in the packet. 3 weeks later I recieved notice that the underwriter want my tax doc before modification would be process per PHH letter sent on XX/XX/XXXX. Tax docs sent and recieved before deadline of XX/XX/XXXX. Then I was informed by letter that the process was not complete but per there letter it should have been. Now PHH has refused to process or even assist during me during this process. I call can't get through case manager unavailable when u call to correspond. Scheduled call backs are not kept as promise. I requested for all communication to be sent by mail or email as that is my primary contact. 

Please be advised that I worked with a Housing Counselor in XXXX Of XXXX and PHH never responded to that request to modify the loan. This is now my third attempt to modify to keep my home as PHH is doing everything to make me homeless. I want to and expect to keep my home but PHH has become to unethical to work with over the past 6 months. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I transferred {$75.00} to my brother ( who lives alone and is on social security ) via PayPal to help him with his groceries. I had made these transfers through PayPal to him before without issue. When he did not receive it, I transferred another {$75.00} to brother, both of these immediately came out of my bank account but did not go into his. Later I transferred a XXXX and XXXX {$75.00} but was able to cancel those when XXXX advised that he had received nothing from PayPal. I have have written and called PayPal numerous times trying to resolve this and to either have them find this money or return it. I have asked that investigation be accelerated. I was told that it was resolved BUT my brother still doesn't have the money and neither do I. They show it in an account that my brother does not have access to. In a phone conversation with PayPal, they told me to have brother contact them and when he did, they just referred him back to me. PayPal has exerted minimal to no effort to find this money and with the cost of groceries, I really wanted to help my brother on a regular basis because he had had to drastically change his shopping ability.
Product: Money transfer, virtual currency, or money service

I have been trading with Binance US for over a year and had previously been verified with them. I currently have {$130000.00} in cash and ~ {$35000.00} in cryptocurrency on their exchange. On XX/XX/2021 I had my mobile phone repaired and later that day I was asked to accept the terms of XXXX XXXX when I tried to make a trade - I was not asked to verify any other part of my identity. Since then, my account has been pending verification and I do not have access to my funds. I have submitted two support tickets ( XXXX and XXXX ) and my issue has not been resolved - I also emailed to ask if I should be concerned about my account security and did not receive a response.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX XXXX  and XXXX XXXX regarding the accounts thats currently listed and showing on my Equifax credit report, being fraudulent accounts and not my account. The XXXX XXXX  and XXXX XXXX XXXX  XXXX  account are fraudulent accounts and not my accounts.
Product: Checking or savings account

On XX/XX/XXXX, three checks were written from my account in the amount of {$600.00}, {$600.00}, and {$600.00}. The check numbers were XXXX, XXXX, and XXXX. On XX/XX/XXXX, two more checks were written from my account in the amount of {$800.00} each. These were checks XXXX and XXXX. All of these checks were not mine and were fraud. I filed a claim with Citizens Bank ( the bank which the account was hacked from ) on XX/XX/XXXX. The claim number is XXXX. Also on XX/XX/XXXX, I tried closing my checking account with the XXXX OH Citizens Bank branch. The bank tellers told me my account would be closed and that all attempts to take money out of this account would be put on hold. However, on XX/XX/XXXX, check XXXX was written in the amount of {$350.00}. On XX/XX/XXXX, checks XXXX for {$600.00}, XXXX for {$580.00}, and XXXX for {$520.00} were written. None of these checks were mine and whoever wrote them, spelled my name wrong on the signature line. I filed another claim with Citizens bank and that claim number is XXXX. I was told by multiple members of the claims department that an affidavit would be mailed to me and that I was to sign it and send it back to the claims department. However, the affidavit never came. I called the claims department on XX/XX/XXXX to have the affidavit resent to me and the woman I spoke to said she would have to email her boss to see if they can send another affidavit. She told me to call back Monday XX/XX/XXXX if the affidavit didn't arrive. The affidavit never showed up in the mail again. I called the claims department again on XX/XX/XXXX to ask for the affidavit to be sent out once again. This time the woman I spoke to said she would mail it out and that as soon as I get it, to have it notarized in the XXXX OH Citizens Bank  branch and then fax it to XXXX. This affidavit still hasn't come in the mail yet. 
I also have been charged multiple overdraft fees from my account due to these checks. I was told by XXXX of the XXXX OH branch that all of these overdraft charges would be refunded. On XX/XX/XXXX, {$1600.00} was taken from my savings account and transferred to my closed checking account to cover the overdraft fee. This transfer happened without my permission and I do not know who did this. On XX/XX/XXXX, I called the XXXX OH Citizens Bank branch and they did not know why this would have happened. 
I also have a paycheck that is still in my closed account that I can not transfer to my new account due to the fraudulent overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX XXXX # 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 instruction.
Product: Payday loan, title loan, or personal loan

California passed the Fair Access to Credit Act on XX/XX/XXXX. The cap on interest rates in California is 36 %. I took out my loan XX/XX/XXXX. My interest rate is 159.22 %. Opps loans refuse to update the contract. I am grossly being overcharged. I am requesting that this get looked into.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX XXXX. In XXXX of 2024 in regards to a debt. When asked for verification of the debt I was asked to pay the debt instead of any account details or identifying information that would prove the debt is mine. I then disputed the account with trans union and was told its been verified. If its been verified why havent I received any of the verifying details? By law the credit bureaus are required to do a full independent investigation, clearly that has not happened here.
Product: Mortgage

Filed Complaint number : XXXX on XXXX against XXXX mortgage company. Got response via CFPB on XXXX/XXXX/XXXX XXXX PM from mortgage holder XXXX and via my investigate learned mortgage XXXX Estate of XXXX XXXX XXXX was sold to Seterus, Inc., XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 
Nothing I saw from CFPB within their portion of response mentioned any deadline to respond ( can supply response copy if requested ). When I called I was chastised for not seeing that a deadline was given to respond and told complaint was closed and had to file another complaint. I am doing so. 

XXXX XXXX XXXX XXXX was holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX. That unit has been in default of condominium fees for over 3 years. In XXXX XXXX XXXX filed a motion for default against the defendant unit owner. However, the default had not been entered. The condo fees are in arrears for now well over {$6500.00}. XXXX sold the loan to : Seterus , Inc . 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX and now Seterus are protected under safe harbor. The other XXXX retired senior citizen unit owners in XXXX XXXX have no protection or rights and are having to make up the difference for this defaulting mortgage holder every month of every year this goes on. If Seterus forecloses and we can set a viable owner in the unit, this nightmare stops for all unit owners. Again we are asking the Consumer Financial Protection Bureau to assist us in attempting to move Seterus forward with foreclosing on this unit and selling it so that indeed we can start receiving condo fee 's again. Other units have sold for well over the {$66000.00} that we believe is the mortgage amount so there is no excuse for this to continue. Seterus, like XXXX, is dragging its feet on its responsibility for this unit and is causing continuation of unnecessary and undue financial penalty to XXXX other senior citizen unit owners within this XXXX condominium association. This is a horrendous situation where mortgages just keep getting sold off and are protected when the remaining unit owners are not. This should not be allowed to continue. Help us please. 
Respectfully submitted XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I the consumer attempted to have my credit report updated to reflect the accuracy of the information necessary to be 'shared '. The accounts that are to be removed are XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states - " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies, I am the Consumer. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

customers nonpublic personal information. '' ( XXXX, XXXX XXXX XXXX XXXX XXXX ) are a financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to Transunion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
As of XXXX, XXXX, and XXXX of 2024, I the consumer have sent correspondence to these entities in regard to my privacy as a consumer and according to 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the blocking and deletion of several accounts on my credit report that are fraudulent and a result of identity theft due to a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding inaccuracies present on my TransUnion credit report. Despite my initial communication with TransUnion on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that require immediate attention and resolution : Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} It has come to my attention that TransUnion is reporting inaccurate information for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). I have a distinct recollection of the original creditor - XXXX XXXX XXXX XXXX, which is clearly a different entity than the one indicated by TransUnion. Furthermore, I have never entered into any contractual agreement with this company nor have I been contacted by them. TransUnion 's reported Balance of {$1400.00} appears to be higher than I believe it to be. Given these discrepancies, I am disputing the entirety of this account and requesting verification of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Similarly, the information presented for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) is inaccurate. The original creditor for this account is XXXX XXXX XXXX XXXX, not the entity indicated by TransUnion. TransUnion 's reported XXXX of {$1700.00} exceeds the amount I believe I owe. In light of these disparities, I am formally disputing this account and requesting validation of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I am requesting a thorough investigation of the information presented on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). While the original creditor is recognized as XXXX XXXX XXXX, I have not received any communication from XXXX. The reported Balance of {$1100.00} is not aligned with my understanding of the amount owed. In light of these inconsistencies, I dispute the entirety of this account and urge TransUnion to verify the Date Opened and Date of First Delinquency.
Product: Debt collection

I was informed of a debt that I owed of {$2500.00} approximately and I realized that the debt was paid through my " XXXX XXXX XXXXt '' and Republic Finance LLC is demanding and payment and filed a XXXX against my personal assets. I informed Republic Finance LLC and spoke to the Manager. I remedied another payment with a 1099A. I also contacted in writing the Corporate Office CEO requesting " Accept for Value '', with a 3rd method this loan has been paid in full already.