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

I hereby assert that Experian, XXXX, XXXX and the creditors associated with the accounts listed in the attached letter have engaged in actions that have resulted in the misuse of my personal identity. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 611 ( 15 U.S.C. 1681i ) I formally demand an immediate and thorough investigation into these matters. 
Furthermore, I request the removal and permanent blocking of all fraudulent and inaccurate information from my credit files. These actions are necessary to restore the integrity of my credit profile and to ensure compliance with the FCRAs protections for individuals affected by identity theft or inaccurate reporting. 
I believe I am a victim of identity theft and am seeking to file a police report, as requested by the XXXX major credit bureaus ( Experian, XXXX, and XXXX ). My personal information has been compromised in multiple data breaches, which I believe has resulted in unauthorized activity on my credit report. The negative accounts in question, which I have listed below, appear to be fraudulent and do not correspond to any contractual agreement or transactions I have authorized. These actions constitute violations of my rights under federal and state law, including : The specific negative items that I am disputing include : XXXX XXXX XXXX  ACCOUNT # XXXX BALANCE {$11000.00} XXXX  XXXX ACCOUNT # XXXX BALANCE {$510.00} XXXX  XXXX INQUIRY-DATE OF INQUIRY XXXX/XXXX/XXXX  XXXX XXXX XXXX BALANCE XXXX XXXX XXXX, XXXX XXXX BALANCE {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX BALANCE XXXX XXXX  XXXX BLANCE {$1600.00} XXXX XXXX BALANCE {$1100.00} XXXX  XXXX BALANCE {$4500.00} XXXX  XXXX BALANCE {$7900.00} XXXX  XXXX BALANCE {$5200.00} XXXX  XXXX BALANCE {$9800.00} XXXX  XXXX BALANCE {$5600.00} XXXX  XXXX BALANCE {$2700.00} XXXX  XXXX BALANCE {$480.00} XXXX  XXXX BALANCE {$4000.00} XXXX  XXXX BALANCE {$9900.00} XXXX  XXXX BALANCE {$5000.00} XXXX  XXXX BALANCE {$7500.00} XXXX  XXXX BALANCE {$4200.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

18 U.S.C. 894 ( Extortionate Credit Transactions ) Uniform Commercial Code ( UCC ) 3-401, which establishes that a signature is required to validate liability on any instrument.

I respectfully request that this report be filed and documented so I can pursue corrective action with the credit bureaus and other relevant authorities to restore my credit and protect my identity. Please let me know if additional information is needed to complete this process.
Product: Checking or savings account

Yesterday, I found out that someone fraudulently opened XXXX ( XXXX ) accounts in my name through TD Bank. 

One TD Convenience Checking Account One TD Growth Money Market Account One TD Beyond Checking Account I filed a report with TD Bank and they have opened up an investigation. I also reported it to all XXXX credit bureaus. 

They only used my name and address. None of my personal accounts were used.
Product: Money transfer, virtual currency, or money service

My account was limited because of what they deemed suspicious activity. Only the activity in question was all done by myself and there was no suspicious or illegal activity going on. Now my account is limited and I can not unlink my card which is connected to my primary bank account. This is an uncomfortable situation as if my account were to be compromised my banking info could fall into the wrong hands. Additionally I also can not close the account even though I have no outstanding fees or balances.
Product: Bank account or service

I was told that my checking account at US Bank was going to be closed. Apparently because I had asked questions and supposedly made a teller cry, my account was being closed.
Product: Mortgage

A judge ordered Capital One to cooperate with us in getting a modification. Capital one have a history of lying about dates. Last time in XX/XX/2016 they sold out house even though we were not notified, and AFTER approving a modification. We kept telling them we never received the mod and they said they sent it to wrong address but never fixed it. Now after a judge overturning the sale cap one are supposedly working on a new mod but they have a sale date set for the house of XX/XX/XXXX. One honest manager said a sale date should never have been set during a. Modification and they would make sure the sale date was canceled or at least moved out by 90 days. That was 4 weeks ago. No change to sale date and no return calls from escalations. They are just lying again and stalling so that they can take the house. We are supposedly in underwriting for a mod so how can they have a sale date.
Product: Money transfer, virtual currency, or money service

iam new account to binance. 
i sold XXXXusdt ( value of XXXX ) to a " verified merchain '' in XXXX  on XXXX. 

XXXX transaction was hold, but than soon removed. 
everything seems fine, and i release the coin. 

XXXX XXXX after the crypto is released, the buyer claim that he never received the item. 
" Your buyer filed a claim. 
The buyer stated that they never received the item. Please help us to resolve this issue by logging into your Resolution Center and providing us with any information that can assist us with our investigation. 
Please understand that until our review is complete, we will hold any funds associated with this transaction. 

XXXX XXXX has requested a refund of XXXX EUR. Transaction Details Case number : XXXX Transaction date : XXXX XX/XX/2021 Transaction amount : XXXX XXXX Your transaction ID : XXXX '' XXXX XXXX the case is closed " We've closed this case Transaction details Case ID XXXX Buyer 's name XXXX XXXX XXXX XXXX email XXXX XXXX 's transaction ID XXXX Transaction date XXXX XX/XX/2021 Transaction amount XXXX XXXX Your transaction ID XXXX Dispute amount XXXX XXXX '' XXXX XXXX the buyer has changed the reason for this case. The buyer stated that they did not make this purchase. 

XXXX paypal decided the case in my favor " We've decided the case in your favor If there was a hold on this transaction, it has been removed. '' XXXX the case is opened again after decided for my favor. 
We're writing to let you know that a payment you received was reversed by the sender 's financial institution. 
Although we're required to return the transaction amount to the sender 's financial institution, we don't debit your PayPal balance if the transaction is covered by PayPal Seller Protection. We'll accept any documentation that shows the shipping date, the shipping address, and official acceptance ( like a postmark or receipt ) from the shipping company. Proof of delivery is an acceptable alternative to proof of shipment. 

XXXX paypal decided that Transaction not covered by PayPal Seller Protection We completed our review of the case outlined below. Unfortunately, we are unable to reimburse you because the transaction was not covered under PayPal Seller Protection for the following reason ( s ) : We were unable to verify the delivery information you provided. 
and my account was charged for negative for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was informed by XXXX that after a review of my account, based on credit reporting from XXXX, one of my credit cards which was inactive and had a zero balance was closed. The decision was based on information from XXXX which claimed that I had serious delinquency and/or past due accounts, poor payment history, too many requests for credit, and age of accounts. 

None of that is accurate. I consistently check my report to ensure no fraudulent activity occurs, I have not been late on any of my financial products in the last 10 years. In fact, according to their own reporting, it would appear as stellar, with zero payments late, no past due accounts, low balance carried month-to-month, etc. 

All the information within my report is contrary to what is claimed in denial letters. I have reached out to XXXX on several occasions to try and get to the root of this issue. Yet, each time I have spoken to one of their agents, they are hostile and rude, and no resolution has come to light.
Product: Checking or savings account

Every 2 weeks I have to call this bank, it's absolute inconvenience to have the same fraud alert all I am doing paying bills and ordering groceries, their are no disputes on my account. I submitted a complaint 2 weeks ago for the same EXACT scenario, I was promised this wouldn't happen again and here we are again another inconvenience, why are these alerts and flags all of sudden placed on my account? No one has any accurate answers!
Product: Debt collection

On XX/XX/XXXX I rec 'd a forwarded recorded message from someone whom I do not live with, stating that a Ms. XXXX with XXXX XXXX XXXX XXXX ( XXXX ) was looking to obtain a statement placed in their office containing my name and social security number, stating to call XXXX. The person who forwarded the message is not part of my household, and the phone number Ms. XXXX called attempting to reach me, is not a valid number for me, and has been continuously leaving messages at various individuals voicemails about the debt. The information was obtained through public records and violated the debt collection act by leaving details that should have been intended for me. I received a direct call on my personal cell phone on XX/XX/XXXX at XXXX XXXX, from the same individual, Ms. XXXX representing XXXX. She stated she was representing the former Creditor, LoanMe with whom I defaulted on a {$3500.00} installment loan in XXXX, after I could not complete the final payment of {$1800.00} estimated balance on a negotiated settlement for the loan. The the loan was sold for collection to XXXX. I told Ms. XXXX that the number she was calling me on this day, was my correct phone number, and and that she is to only speak to me about the debt, and no one else. I advised her that I was unable to pay due to a Federal Tax Lien Filed on my personal property and assets by the Internal Revenue Service in XXXX of XXXX. I stated that I was in the process of obtaining an attorney through my legal team XXXX XXXX XXXX, and preparing to file a bankruptcy petition with a legal counselor. I stated due to the tax lien, no funds would be paid to anyone until a plan was put in place and filed. She proceeded to argue with me about the debt, and ask why I haven't obtained an attorney. I explained to her, that I am a State essential worker, I am in the midst of a financial hardship due to COVID-19, and since the courts were closed, having trouble finding an attorney. I obtained her address, and stated the company she was collecting on behalf of would be notified of the attorney and case when it's finished. Ms. XXXX was also told again on XX/XX/XXXX, if there are further collection calls, she was to contact me directly and no one else! I gave her my number again, and verified my mailing address. With that in mind, she still proceeded to harass me about why I haven't filed, why I haven't obtained an attorney, and that she had a right to call whomever to collect the debt, and I hung up. She is still calling other people and leaving messages, knowing that she has my active contact information on file! Today, on XX/XX/XXXX. I was notified by yet another individual, again, who does not live with me, is not related to me or share the same phone number, that they received a recorded phone message from Ms. XXXX stating they were attempting to collect a debt, and left details on the message. This is a violation of the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Attempted identity theft caused me to review my Credit Bureau and found this unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted certified mail asking Credit bureaus to verify Bankruptcy based on 609 law. Asked for method of verification and ask to send documents of bankruptcy. Never got anything. The credit bureaus claimed they verified it through Lexis Nexis. Lexis nexis claimed it verify bankruptcy through courts. I have letter from courts saying that they do not give or sell any information to third party. Sent letter asking how they verified the bankruptcy and they never sent me proof. Please see attachments
Product: Mortgage

I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. 
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. 

It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. 

This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.
Product: Mortgage

Nationstar Mortgage is trying to get me to buy more flood insuranse than is required by my mortgage contract. They have sent XXXX this XXXX letter which states " Your flood insurance poliicy coverage limits must be at least equal to the lowet of the following : 100 % of the replacement cost of the property, as determined by your homeowners insurance provider, or the maximum limit of coverage made available from the XXXX XXXX XXXX XXXX, which is currently {$250000.00}. '' Where as my mortgage contract states on page XXXX '' 1. The Borrower ( s ) must provide satisfactory evidence of hazard insurance coverage and flood insurance coverage if the Property is located in a special flood hazard area. 
2. Dwelling coverage must be equal to rhe lesser of the loan amount or the full replacement value of the property improvements, ... '' I have provided Nationstar with a fax from my insurance company stating thaty I have {$110000.00} worth of flood insurance and only owe approximately {$100000.00} on the loan. 
This is a ploy by Nationstar to buy me flood insurance at an outrageous rate. This is the same sham that XXXX XXXX XXXX pulled a couple of years back which resulted in a class action law suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with 9 missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down   XXXX   points.
Product: Checking or savings account

I deposited a checked on Saturday XX/XX/year> in the amount of {$14000.00} to my checking account XXXX is my account number. I called the law firm that issued the check and they gave me numbers to give my bank but they refused to help me. Im at the branch presently and I was originally told one thing but another was done. I provided information to them but they didnt accept it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I -- like many -- was a part of the recent Equifax hack. I have since frozen my credit with them, XXXX, and XXXX, but losing control of 140M records is unacceptable. I do n't consent and have never consented to any credit bureau collecting information about me, but somehow, they 're allowed to control and influence many of the decisions I make in my adult life. Now that my private and personal information is floating around somewhere, I have to take measures I normally would not have had to take to protect myself -- probably for the rest of my life. 

This corporate negligence can not be ignored, and Equifax trying to get out of this situation by offering a year of free credit " monitoring '' to their victims does nothing to resolve the issue.
Product: Checking or savings account

I opened the account in XX/XX/year>. Checking account bonus is missing. The bonus should be deposit after 6 months and they still didnt deposit bonus and now they are claiming that the bonus was not applied due to mailer name not listed on my name. When actually i opened the checking account bonus online not through the mail system. They said instead they can pay {$300.00} as it sounds sketchy. I want full checking account bonus of {$500.00} as i met my requirements. Please help me with this situation. It doesnt state in requirements that bonus cant be give to the differe name on the mail system. Please show us the requirements and plus i didnt even use mail promotion code so the information is false and doesnt apply to my account. Please ask them to deposit {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my investigation back from Experian, which states you completed a fair investigation and these accounts are 100 % accurate. 

Can you please answer this one question? How did you investigate these accounts?

Because according to the Fair Credit Reporting Act 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT.

Did you interview my neighbors? Did you interview my family and friends?

Who did you speak with ( Names, dates of contact ( s ) ) One more thing can you please tell me how everything is 100 % accurate if the date open, date last active and date last reported on these accounts are not reporting the same information, also Experian DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated. 

Experian has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account XXXX : XXXX Delete these accounts immediately or you will be held responsible for {$1000.00} per violation. 

Send me an updated credit report with these accounts permanently deleted.
Product: Mortgage

PennyMac Loan Services reached out to me in early XX/XX/2019 to refinance my house in Florida. I proceeded with the refinance letting them know that my job ( The XXXX XXXX ) would take me to XXXX  soon and I would be no longer living in XXXX. PennyMac also told me that my now wife 's name had to be added to the mortgage. It took them four months to close on this refinance due to their constant mistakes such as : Scheduling a notary for signing and then forgetting to get a notary. 
Misspelling my wife 's name multiple times, refusing to fix the paperwork and having us sign anyways. 
They also had me sign as this being my primary residents after knowing that I would be moving and renting out the property. 
The military moved me out to XXXX  so that I could be stationed with my wife, I rented out the house in XXXX  and planned to buy one in XXXX  with my wife as our primary residence. A week before we closed with the loan company XXXX XXXX who have been nothing but helpful, we were told that I couldn't be on the loan since PennyMac listed my XXXX  house as my primary residence. I called PennyMac right away and requested an Owner Occupancy Waiver. The company I am taking my XXXX  loan out through has seen this before from PennyMac and that it can be fixed with an Owner Occupancy Waiver which PennyMac has given out before to veterans in my same situation. After hours of calling PennyMac every day starting on XXXX PennyMac denied my request with no reason given. Due to COVID19 me and my wife had to schedule our vacation days weeks in advance to be used for our moving day which has come and passed due to PennyMac. PennyMac has potentially left us without the ability to buy a house due to them having me listed as a primary resident and refusing to fix it. I can't even begin to describe how much stress this company has caused me and my wife.