23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent accounts and remove associated addresses from my consumer credit report. These accounts and addresses are a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within four business days of receiving this complaint.

As a victim of trafficking, the following accounts were not opened, made, or initiated by me, and are the result of identity theft and fraud : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/year> XXXX. XXXX XXXX XXXX Number : XXXX : $ XXXX Opened : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX : $ XXXX Opened : XX/XX/year> Additionally, the following addresses, which I did not reside at, were fraudulently added to my credit report and need to be removed : * XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts and addresses : 1. FCRA Section 605C Self-Attestation Form 2. Notarized Identity Affidavit 3. Notarized FTC Identity Theft Criminal Complaint # XXXX XXXX. Notarized Utility Bill 5. Proof of Removal from XXXX and other credit bureaus Additionally, I would like to bring to your attention that I am a victim of the XXXX XXXX Breach ( see attached proof ), which has further contributed to the misuse of my personal information. 
Given the sensitive nature of my case and the urgency in correcting my credit profile, I respectfully request the immediate blocking and removal of these fraudulent accounts and addresses from my TransUnion credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to get a city sticker at the local currency exchange. Although I had cash I decided to pay the additional {$2.00} fee in order to buy my license plate sticker. I was checking my credit card statement some days later and capital one decided to charge me {$10.00} cash advance fee and {$.00} in interest charges. I was surprised and called them the day after. I let them know I have never drawn cash on this account and asked them what it was related to. They said the currency exchange ran the transaction as a cash advance. I let them know I didnt get cash and I was not informed. If I wouldve known I wouldve just paid cash. I asked them how can I be protected against this deceitful charge in the future if the merchant doesnt let me know. Capital one has no answer for me after making me wait 20 minutes. In addition. They didnt want to file an electronic dispute. Lastly told them to waive the fee which was insignificant but wrong in principle. After making me wait 10 additional minutes they denied my request. With the security breach that has been part of the news as well as this experience I will be ending my relationship with them. However I wanted to escalate this matter so they can better protect their customers from deceitful charges. I appreciate you know the matter head on. Thanks.
Product: Student loan

The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.
Product: Debt collection

I got a summons in the mailed from at attorney office that XXXX XXXX XXXX. Hired the lawyer is kirshenbaum and Philip s PC address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. THE SUMMONS HAS A DIFFERENT NAME ON IT THE NAME IS XXXX XXXX. AND IT HAS MY NAME AKA XXXX XXXX. MY COMPLAINT IS THAT THIS ISN'T MY DEBT AND THAT IVE BEEN A VICTIM OF IDENTITY THEFT. MY NAME IS ADDED ON A JUDGMENT THAT BELONGS TO XXXX XXXX AND IM NOT THAT PERSON PLEASE HAVE THIS VACATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter asking Experian, XXXX, and XXXX to investigate my accounts, XXXX, XXXX XXXX XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.
Product: Credit reporting

There are two accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP
Product: Mortgage

I paid {$550.00} for a home appraisal that took place on XX/XX/2019 with Better Mortgage. Due to terrible service, I switched over to XXXX XXXX. Now, in the final stages of the refinance process, Better Mortgage is refusing to send over the appraisal to XXXX XXXX. They are making claims that they are not allowed to but we know the real reason is to stronghold me back to doing the refinance with them. Please help me, I just want them to transfer the appraisal over to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 delete the item from the 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 reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Date open : XX/XX/year>
Product: Consumer Loan

I have XXXX business loan agreements with Financial Pacific Leasing at {$5000.00} each The loans were acquired through a broker. The terms were presented with very misleading and deceptive language. I was told the loans had no pre-payment penalty and I only had to pay 36 equal payments. I was also told that there was no pre-payment fee. I am unable to acquire the following information from this company either on the statement and the website. 
1- Will not show a pay-off balance 2-Verbal payoff comes to {$21000.00} ; that 's over 50 % interest, which amounts to loan-sharking / If the broker had disclosed this information to me, I would NEVER have agreed to either of these loans! 
3- Neither the statement nor the website will disclose my current balance due and they will not tell me how much I have already paid. 
4. One of the products had to be returned and the company REFUSED to correct the documents and change the financing.
Product: Debt collection

XXXX/EOS CCA We returned the XXXX equipment and requested the service on hold. However XXXX claimed that they did not receive the equipment from us and receive the request for " Hold on service ''. 
Now several years later, EOS CCA has been sending a invoice of {$870.00}.
Product: Debt collection

Someone got a XXXX account in my name and its not mine Ive already gotten my police report and report from identity theft.gov. I just want this off my account
Product: Vehicle loan or lease

As part of my Mercedes lease I was offered XXXX years of free charging through XXXX XXXX, I was charged for the charging and XXXX started an investigation starting on XX/XX/year>. I was promised all charges would be refunded for charging upon completion of their investigation as to why I was being charged. On XX/XX/XXXX I was told the issue was resolved and my refund was processed on XX/XX/year> and returned to the card on file. I did not receive the refund and they told me to contact their charging partner XXXX and they claimed that the refund should have been processed and received on XX/XX/year>. They asked me to provide bank statements showing that I did not receive the refund for the total amount of {$830.00} and I provided it to them and they alerted me they would investigate. The XXXX account shows that the refund was refunded to the only card on file ending in XXXX but as my bank statement confirmed I received no refund. The only refund showing on my account was from XXXX concerning a charging error which was a different issue and separate from the issue above and was issued through a successful chargeback from my bank because I did not want to deal with them for refund after the issue stated above. It has now been several months and XXXX has not provided me with my refund or a reason when I inquired and Mercedes has also responded that XXXX is responsible for the refund. My lease is through Mercedes and the free charging was part of the Mercedes lease. I have provided email correspondence with Mercedes regarding the matter in the attachment below along with my case number with XXXX, I have also provided the proof I provided to my bank regarding the chargeback for the charging error that occurred in XXXX to show that it is not related to the issue above and not included in the {$830.00} promised refund.
Product: Bank account or service

I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with.
Product: Debt collection

I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively.
Product: Checking or savings account

Bank account was opened using my ein or social security card bank was notified ftc has been notified
Product: Credit card

As a result of an issue during Covid, citizens Bank closed my accounts. 
They wouldnt give me access to my money until all accounts were closed, then finally returned to me the balances due. 
Last month, I noticed that a {$500.00} credit card with them appeared delinquent and was the only Derogatory item on my credit report. 
I disputed this entry with XXXX XXXX and I was result, they reposted the account as a charge off, lowering my score by XXXX points. 
This is not correct since Citizens would not have returned The money from my Accounts if I still owe them anything.
Product: Mortgage

I began applying for a loan mod with Citibank XX/XX/XXXX. 
I almost bled to death on XX/XX/XXXX from a bleeding ulcer which I experienced due to internal pressures such as the one I am writing about right now. 
The " only '' reason I am able to write this now is I was fortunate a friend was with me when XXXX. 
After a year of getting what felt like the runaround by Citibank lower level loan mod agents which began on XX/XX/XXXX I filed a complaint with the CFPB XX/XX/XXXX. 
After being denied a loan mod by Citibank on XX/XX/XXXX in writing and via telephone due to intercession by the CFPB I was notified on XX/XX/XXXX my loan mod was now accepted. 
On XX/XX/XXXX I received an acceptance letter from Citibank. 
After the loan mod was accepted I was informed by agents of Citibank that the terms of loan were to be 2 % for 40 years. 
During a subsequent phone call a Citibank agent informed me that the loan mod would be at 2 % but would adjust upwards after 5 years maxing out at 4 % after 5 years. An adjustment I could survive with since I will not live in my home for 5 more years but it would provide me time to make adjusted payments of {$580.00} providing me time to fix house as best I can, sell it and move " somewhere ''. 
Yesterday on XX/XX/XXXX after getting the " permanent '' loan mod documents f from Citibank " changes '' in the terms appeared. 
The " terms '' changed from 2 % for 40 years to 2 % for 30 years increasing my monthly obligations prohibitively additionally changing the 4 % cap after 5 years to 4.25 %. 
Per the " permanent '' loan docs I received Citibank wants these docs with original signatures returned by XXXX. 
I called Citibank to discuss discrepancies in the permanent loan docs but was unable to speak to the agent handling my case until Monday XX/XX/XXXX at XXXX PST at which time " he '' is supposed to call me.
Product: Mortgage

Many years ago i was going through a divorce and re financed my condo to pay lawyers and pay off a car that belonged to my ex wife but the loan was in my name. i ahd refinanced with a 3 yr ARM, my credit was n't the greatest after 3 years and i could not re finance. I was introduced to someone through a family friend that had offered to help me modify my mortgage. i paid him over {$7000.00} and he pretty much disappeared and i was left with a huge mess. I was finally after about 5 years able to modify the note buit what happened was i was given a new principal note and all the missed payments and fees were tacked on to a second loan that is due when the first note is paid off.. the balance of the second note is about XXXX this amount is not collecting any interest, but i feel that this practice is not right. at the end of the day yes i am able to pay my monthly bill but i am still under water and will never be able to get out from under. I was never told during the modification process that this would be the end result, had i known I probably would have just walked away and figured things out as i went. Is there anything that can be done? is this practice even legal? I have contacted the AGO and they put me in contact with someone from wells fargo who is supposed to get back to me after the new year but i have no hope. I feel like i was mislead and lied to. I am not looking for a free ride or to have something handed to me for nothing, but these banks were given billions of dollars from tax payer money when they mishandled their business practice and gave out loans to people who clearly could not afford them. Is there anything that i can do? i would appreciate any help or ideas. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Checking or savings account

M y Mother and Father p assed away in early  XXXX . My mother had an IRA with Discover Bank worth  XXXX  ; in which I was a 33.33 % beneficiary. Discover Bank instructed me to send a letter of instruction and both death certificates. All pages were faxed to the IRA dept. on  X/XX/17   . I called for confirmation, and they did receive everything, on  X/XX/17   . Discover Bank informed me that it would take  7- 10  business day to process. On  X/XX/17   , I inquired to the status,  XXXX , from the beneficiary care team, said it would be anot her 3-5 d ays. On  X/XX/17   , I uploaded another letter of instruction to Discover Bank through my secure documents section, concerning this matter. As of this date and time, it has been 27 days and no correspondence or activity has begun. This is unacceptable time for Discover Bank to handle a beneficiary request with the proper paper work sent. I understand that a beneficiary has no right to any account transactions, while the account holder is still alive ; but when you have a POD account set up ; and the account holder dies, then the beneficiary does have a right to their money.
Product: Checking or savings account

I can't use my paypal bcoz they permanent limited my account even i didn't do anything. I'm a freelancer and all the payment of my costumer they paid me through paypal. Paypal didn't told me for what reason to permanently limited in my account. I just wan na restore my account and to use it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Money transfer, virtual currency, or money service

I have not used Zelle in years, I used to use it only to pay my babysitter more than 5 years ago until one day they locked my account. They were less than helpful at resolving this so I just let it stay that way. 
Recently I was performing work for a homeowner and she mentioned she wanted to pay by Zelle, u told her I didnt have one. 
Friday XXXX I tried to login to Zelle and got a message saying my account was permanently locked. 

A few days later when I submitted my hours and my sisters Zelle number she said she already submitted payment to Zelle using my email address and it was showing as received. 
I contacted Zelle and asked them to return the funds to this customer because they accepted funds on my behalf on a locked account I couldnt even access. The representative told me theyd be returned after 14 days. 14 days isnt an acceptable amount of time for my payment to be in limbo. She said she unlocked my account and all I had to do was add a debit card to access the funds, so I relented. When trying to follow this process I received errors due to my phone number, had to call back, they said it was still linked to a previous bank I used that partnered with them, I had access to a different number so we tried that, but then it wouldnt let me link my email which is where the money was sent to. On call back # XXXX the rep said the only way forward was for me to jump through hoops and contact my old banking institution who I was just part of a class action against and get my phone number released. I requested they just deleted my info and not accept any more payments on my behalf, which is the crux of this issue. Zelle is accepting funds without permission and creating barriers for consumers to access said funds. If an account is locked due to their prerogative they should no accept funds for that account and reject them.
Product: Checking or savings account

I have used paperless statements for several years, and was a US Bank customer for 20 years. Never was I involved with any crimes, but US Bank suddenly treated me like I was a criminal. They locked me out of my account and wouldnt let me back in. Theyve closed my account holding back appx {$1000.00} from what I can tell going by memory. Ive requested my statements and instead they mailed a uni statement Ive never seen before. No I MUST HAVE MY ACTUAL BANK STATEMENTS plus a snapshot of the day the closed my account. US Bank you can not win stealing from seniors. Please if you didnt steal as you are claiming then be transparent. Produce this information so I can see that you didnt steal from me. US Bank if you REFUSE to produce six months of account statements ( all three accounts ) along with a screenshot of the last day my account was open I most definitely will hire an attorney to request the documents on my behalf. PLEASE MAIL ME THE INFORMATION IVE REQUESTED. I have taxes due, and also need my financial history to get that done. You abruptly closed my account denying access to bank statements. Shame on your unscrupulous business practices.
Product: Debt collection

I was told that I owe this debt XXXX and I never lived in XXXX someone have been using my social security number to open credit cards and now apt and these people only stay at the apt for 3mts than left I never ever would do that I always stay the hold year! 
I hate moving and packing and get a truck so this was not me! and the collection company IQ keep calling me and talking to me like I 'm a criminal and it is a bad feeling they do n't believe me when I tell them it was not me! I told them to stop calling me they wo n't and I ask to speak to the manger and the man put me on hold for 30 minutes than it went to voice mall so I 'm at a loss and this is on my credit report and ca n't get it off Can you Please ... ... ... ... XXXX Help me and my family Thank You ... ... ... ... ..