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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$650.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Mortgage

Freedom mortgage raised my mortgage {$700.00}. I called and said i would like it to be the orginal amount, I said I understood that there was an escrow shortage I would like to pay that. I was instructed to send {$8400.00}. After 2 weeks my mortgage did not change I called Freedom again. I was told I was given " bad information '' that they would refuind the {$8400.00} and I needed to pay {$4300.00} and my mortgage would be adjusted to XXXX Not the orginal amount but it was better than {$3700.00}. I have spoken with the company for over 6 weeks but I have not gotten my {$8400.00} back. They keep saying sorry but at this point I really need that money. I have paid Freedom over {$15000.00} in XXXX. First they said that they are going to send the money electronically, then i waas told they are sending a check. They take their money in less than 24 hours. I have been waiting over 1 month for my refund. They keep saying a check has been sent but I never recieved it. I think they are lying at this point. They are XXXX XXXX and completly uninformed. PLEASE PLEASE help me get my money back. I have done everything they have asked me to do. They keep asking me to wait, and I wait
Product: Debt collection

North Shore Agency has sent XXXX letters claiming I owe XXXX XXXX {$150.00}. I responded to the XXXX letter saying that I did not have an account with XXXX but would go to the XXXX corporate store to find out what was going on. XXXX blew me off but that 's for Weights & Measures I think. Then I recieved a XXXX demand from North Shore Agency.
Product: Debt collection

OnXX/XX/XXXX My wife and I want to exchange a bad phone. XXXX told us they would set up a new plan and send us phones right away. They told me they would over night them for {$61.00} and I agreed. The next morning I received a text saying that they charged my account {$810.00} and I would receive the phones in 8 to 10 business days. I called them right away and told them to cancel everything. That was not what I agreed to and to return my money as soon as possible. XXXX told my that finance department would handle it and I would get my funds back in three to five business days. I waited three weeks and finally got my bank involved to dispute the charges. I never received any phones from XXXX!! I noticed a charge on a email message in XX/XX/XXXX for {$810.00} from XXXX and to pay immediately. I called customer care and they said they would fix the issue. I have since been turned into a collection agency for {$810.00}. For this reason I am submitting this complaint and I am seeking legal council to pursue legal matters to clear my credit.
Product: Credit reporting or other personal consumer reports

My social was collected in a robbery in XXXX In XXXX I have more cards and accounts than I ever applied for I have a Car and insurance Thats it! 
I have no credit cards And I have all of this negative information on my report XXXX applied for a card since XXXX!! 
Some one stole my sensitive information from my car after leaving my XXXX office I filed a report and they will not stop Even cloned my phone number.. I am truly frustrated
Product: Mortgage

CitiMortgage Inc. is the mortgage company I have having issues with. 
Issue # 1 We purchased and maintained XXXX insurance through CitiMortgage Inc . This insurance was supposed to pay the mortgage in case the homeowner was XXXX or hospitalized. When my husband, who was a XXXX Veteran, became hospitalized in XXXX the policy was supposed to kick in, so we thought. But when we made a claim on the policy it was never validated. The policy was supposed to pay off the mortgage. It did n't. 
Issue # 2 After my husband XXXX in XXXX XXXX and I wanted to assume the loan. I was not allowed to do so. But I continued to make payment through various programs and other entities that I was told to by CitiMortgage Inc . But I was told that those payments did not go towards the mortgage. I do n't understand why. 
Issue # 3 In XXXX finally I was presented with a loan modification for my mortgage. The first set of loan modification papers were signed in XXXX. In XXXX I was presented with a new set of modification papers with a 'subordinate secured deed ' for {$38000.00}, which was not on the first modification that I signed in XXXX. Why was this not at all mentioned in the first modification.
Product: Checking or savings account

Two transactions totaling {$1100.00} I process the card payment for customer. Then my account is blocked and I am told they will no longer do business with me I can no longer access my account and it is impossible to reach anybody I talk to one person on the phone finally and they said to me that somebody would get in touch with me the email and I have sent many many emails since then nobody has contacted me back
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello Sir/Ma'am, On XX/XX/20, I submitted a payment from XXXX XXXX  to Barclays Bank Delweare ( BarclayUS.com ) in the amount of {$1000.00}. To this date that I'm contacting you regarding my concern, Barclay Bank has not applied the money toward my account, and further declared they can not find it and thus will not refund my payment. In the course of nine months, I have submitted proof of payment from chase over ten times. Barclay Resolution department has spoken via three way confirmation with XXXX XXXX  confirming that the payment was in fact made, and that I have been given any physical proof of payment which is available. I have been given several case numbers by Barclay Bank Resolution center which I will provide below : XXXX SUPERVISOR XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/20 XXXX from the Barclay Resolution center stated to me that he determined the payment was applied to the wrong account by Barclay bank. He further stated the last two digits of my account number were entered incorrectly by Barclay and it would be adjusted. After a week went by after speaking with XXXX, I received a letter from Barclay Bank stating my case was closed again with no resolution. On XXXX I called Barclay resolution to see why my case was closed, I was told the payment was not received once again. When I reminded the resolution employee XXXX from her department had said it was applied to the wrong account, I was told they could not find it anyway and thus my money was simply gone with no responsibility on the part of Barclay. 

On XX/XX/20 I followed up once again on a three way call with a XXXX  Claims representative ( XXXX ) to the Barclay Resolution Center. We spoke on a three way conversation with XXXX from Barclay who stated he can see the proof of payment from XXXX, but could do nothing to resolve my issue. Once again XXXX was reminded from the claims specialist working for XXXX XXXX  on the three way call, that the payment was made and all proof has been submitted confirming payment. 

After 9 months, Barclay Bank informed me they will not refund or apply my payment and it has been lost at my cost. I have provided the written proof they requested, I have gone to the Branch to gather proof as they have requested as well as having them speak with XXXX XXXX  claim specialists who have determined and provided proof of the time and date the payment was sent and received by Barclay Bank. Despite this proof, Barclay still refuses to refund or apply payment to my account. 

Thank you for any of your time in helping me to address this issue. This has been a very draining time for me and my family with all that Barclay Bank has put us through. 

Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX
Product: Credit card or prepaid card

I have been trying to make a payment to PayPal Credit for 2 weeks. When I call, the representatives will not take my account number or other identifying information. Then I emailed the CEO of PayPal who had a man call me - he said he would get back to me, but never did. To this day I can not make a payment because when I call the number on my statement nobody will look up my account to help me.
Product: Debt collection

I have a XXXX c that XXXX this debt for {$21000.00}. This XXXX c was accepted by the IRS on XX/XX/XXXX. On my credit report it says that the balance has been paid off but this collection still remains on my report and will remain until the year XXXX. I went to Experian.com and uploaded the XXXX c that was submitted to discharge the debt. I also uploaded the email to XXXX showing that the IRS accepted it. XXXX said that they have 30 days to review everything. On XX/XX/XXXX I got a notification on my Experian account stating " The incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report ''. This information will be attached. When i received my dispute report in the mail, the results were shown as accurate and in alignment with the XXXX XXXX XXXX. My Experian account has the balance as paid off as you will see, yet its still reflecting negatively against me. Prior to ever reaching out to XXXX I reached out to XXXX XXXX XXXX and they said they're no longer servicing the loan. XXXX is refusing to correct inaccurate information despite me providing them with the XXXX c and a copy of the email stating the XXXX was accepted by the IRS. This is in direct violation of the FCRA.
Product: Checking or savings account

KeyBank will not close out a checking account that was opened online at their institution using my stolen identity resulting from a fraudulent XXXX  unemployment comp claim during the pandemic after my numerous attempts contacting them to have it closed out. I am still getting statements on this account I never opened. It does show a XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on a factual dispute directly with XXXX XXXX, this account is reporting a XXXX day late in XX/XX/2021 when they just verified that the account was late in XX/XX/2021. Within the FCRA guidelines all account information must be reported accurately or it must be removed from the credit report
Product: Debt collection

LVNV Funding LLC through their agents, employees, representatives, has commited aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. LVNV FUNDING LLC through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title 18 of the United States Code. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying LVNV Funding LLC can legally collect, and proof that LVNV Funding LLC is the current holder of the instrument which created the debt with my original blue ink signature. LVNV Funding LLC is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to LVNV Funding LLC and I do not consent or authorize for LVNV Funding LLC to have access to my nonpublic personal information as they are third parties and I never did business with them. 
I have reported this to the Federal Trade Commission.
Product: Debt collection

I DEMAND RELIEF AND REMEDY! I WANT THIS OFF MY CREDIT REPORT AND RELIEF MONEY AS WELL AS THIS COMPANY TO BE HELD ACCOUNTABLE FOR IMPROPERLY NOTIFYING OF SUEING ME. ILLEGALLY PURCHASING DEBT ASKING FOR INCREASED FUNDS THAT INCCURED INTEREST. NOT HAVING ANYTHING SIGNED FROM ME IN THEIR DATABASE. MULTIPLE FALSE ACCOUNTS CONTAINING MY INFORMATION!
Product: Debt collection

I received a certified letter from Tromberg, Morris & Partners, PLLC attorneys at law that they were going to garnish my wages on the behalf of XXXX for {$20000.00}. My wages are already being garnished from XXXX XXXX and that account was closed XX/XX/XXXX. 

I informed them that this is the same vehicle that you are trying to garnish my wages for and with a higher amount. He explained that the other company will have to send the money collected to them. I called them on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX XXXX about this matter. 

He could not explain to me how my wages are being garnished by XXXX different companies both part of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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: Debt collection

Rausch Sturm LLP, XXXX, has been excessively calling me on my phone number XXXX. SOmetimes calling me up to 7 or more times a day. Thursday, XX/XX/XXXX they called me 6 times around XXXX. 1 time on XX/XX/XXXX, 2 times on XX/XX/XXXX, XXXX, 1 time XX/XX/XXXX, 7 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 4 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 3 times on XX/XX/XXXX etc. 
It is out of hand!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX  I saw an unauthorized transfer of {$XXXX} to somebody. I did not give my consent or authorize this charge since it came from my account somehow somebody sent money to themselves from my account. My bank said there was nothing they could do and I would have to contact zell I did and they said they could not do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Money transfer, virtual currency, or money service

I opened a savings account with Citibank. In one fell swoop, one day later, they removed {$250000.00} from my checking account. I did this because they a decent interest rate. I went to get my money back a month later for a real estate transaction, and they say I can only withdraw {$15000.00} a month. It will take 18 months to get my money back. On top of that, their website won't even let me withdraw that amount. It just says it is too much. I've spent countless hours in chat boxes and on the phone trying to get my money. They offer to send it back in chunks if I will pay fees for doing so. But even at that, I can not do it in one transactions, only in a series of separate transactions. 
When I did get one transaction for {$7500.00} to go through, they took the money out of my account and held it for five or six days before sending it to my bank. For a money transfer. They had no trouble when the money was inbound, getting the transaction done in a few seconds. They are not paying interest on the {$7500.00} while they hold it " en route ''. 
Finally, they should have disclosed I could not retrieve my money for a year and a half if I opened this account. A CD would have made a lot more sense and been far more flexible than their so-called savings account.
Product: Vehicle loan or lease

On XX/XX/XXXX my bank, XXXX XXXX  XXXX XXXX, AR, overnighted a cashiers check to TD Auto Finance for the amount of {$32000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/XXXX. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next XXXX days to check. I was told this every few days over the course of XXXX weeks. At the end of week XXXX I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over XXXX weeks since the payment was received. My payment is overdue ( it was due on XX/XX/XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.