23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call on XX/XX/2021 at XXXX XXXX from XXXX reporting to be " RFGI '' who addressed me by my first name and asked me to confirm my birthday. When asked to provide more information he would not give it to me. He then told me the year of my birthday and asked me to confirm the month and day. I declined. He then asked me to confirm my social security number. Thinking it was a fishing scam, I hung up the phone. He subsequently called my husband asking for me. My husband asked him to explain the nature of his business and he would not, simply stating he was with " RFGI '' again. He again asked for personal information which we declined to provide. We have not received any written noticed of debt and are not aware of any outstanding debts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used my Paypal account to send money to an individual who I thought was a friend for the purchase of a car. This transaction was linked to my checking account and right after I sent the money I realized it was a scam. ( The person hacked a friend 's facebook account including messenger to portray that she was selling a car ). I immediately called Paypal and my bank to report the scam and block the transaction. My bank was able to block the transaction however Paypal advanced the money to the scammer and is now claiming that I owe them the money ( {$1000.00} ). They are basing this on the fact that I utilized 'friends and family ' option which does not provide protection for fraud. However, I had immediately notified Paypal and on follow up conversations was told by a supervisor not to worry, that they would work it out with my bank. Furthermore, after Paypal could not gather the funds from my checking account, they attempted to use a debit card in the digital wallet from another account that I hold in conjunction with another individual without first asking or notifying me that this was the procedure. After numerous follow up calls I was told that there was nothing that could be done. The email address used by this scammer reflects the name of my friend, however the name that was used for the transaction was not consistent with this name, nor was the email address that was used by the party for their paypal account.
Product: Credit card or prepaid card

Citibank/ Bestbuy . 
I have contacted the company in regards to fraudulent in store charges in XXXX XXXX Michigan. I reside in NY and was not there yesterday. 
Citibank and best buy refused to validate me as a customer or card holder and want to send me correspondence. This is unacceptable. I dispute these fraudulent charges and citibank bestbuy is not trying to resolve the problem, wanting to drag this out and not attempt any research as to who did this. 
I will be contacting XXXX XXXX pobloce dept to goto the store and collect video footage. I want these charges removed from XX/XX/2023 on my best buy card. 
I do not want this to reflect on my credit report.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. Experian is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Student loan

In XXXX, my federal Student loan amount was XXXX Capitalization occurred with brought my balance to {$49000.00} an increase of {$5900.00}. 
My other loan had a balance of $ XXXX after Capitalization, the amount went to $ XXXX increasing by {$2300.00}. 
Both of my loans in XXXX had a combined amount of {$54000.00}. I was on a payment program at this time with my previous loan servicer. 
In XXXX my student loans were transferred without my permission or knowledge to Mohela and Mohela immediately added almost {$10000.00} to my balance. 
From XXXX XXXX, Mohela put me in 5 forbearance which I did not request or sign for, in fact, the last forbearance in XXXX I specifically told them that I did not want a forbearance to switch to a different payment plan, and I was told that if made an extra payment that I would not have to have a forbearance. I made the extra payment, but they put a forbearance on my account anyway and added {$28000.00} to my balance. I have been in a payment plan and making payments since I was forcibly switched to Mohelia. I called them to discuss it and they told me I shouldnt worry about it because in 20 years, it would be forgiven. 
The reason I switched payment plans in XXXX was because they told me I would have a lower payment and I would have loan forgiveness in 20 years instead of 25 years. They now tell me I dont qualify for that 20  year program. I think they just enticed me to switch so they could add over {$28000.00} to my balance. They did not tell me that they would be doing this or that switching payment plans would result in me owning almost {$30000.00} more. 
According to Mohela, I now owe them XXXX XXXX XXXX which I dont feel Ill ever be able to pay off. They have effectively ruined my credit with all of their forced forbearances and added capitalization. Nobody will lend me money now I cant buy a car or a home, even though my credit was nearly perfect before this. 
I thought the whole idea behind payment plans was to help people with their student loans who couldnt afford regular payments. My college education ( I graduated in XXXX ) which originally started at less than {$50000.00} has now almost doubled because of this. I need help!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$500.00}
Product: Debt collection

Since XXXX  XXXX XXXX XXXX has sold my debt to multiple collection agencies to collect an alleged debt due to them going through bankruptcy. Each collection company has to try to settle with me for different amounts in order to coerce me into claiming a debt I do not own and have reported to FTC before the debt was sold to the first collection company. This new company has harassed me through email to try to collect this debt but they do not have my correct name and I am not volunteering any new information they do not already have so they can try to build a case to prove the debt is indeed mine. It is illegal to debt park per the FTC. XXXX  XXXX has parked fake or questionable debts on my credit reports and then waited for me to notice the damage when I tried to get a loan or a job. XXXX XXXX XXXX used this illegal debt parking to coerce me to pay debt I do not owe or do not recognize.
Product: Student loan

They will not let me view my account. I have no idea how much I owe or what I am paying for. I am homeless and can not receive mail. I call they give you the run around and literally will try and force you to pay. It says my login is temporarily XXXX but to get it restored I have to bring the account current by XXXX XXXX XXXX So because I cant pay them thousands I have no access to see any information about MY loan.I literally cant eat day to day yet Sallie Mae wants to sue me because I cant make {$1000.00} a month payments. The reps call and leave voicemails lying saying to call back to receive help with payments but when you call its just a ploy to get you on the phone so they can say they cant help you. It is honestly wrong. I am not even given access to see what I am paying. They force you to pay on the phone and I have made multiple complaints regarding being told something over phone but it not being true. Yet, they say they can never listen to the calls that they literally tell you are being recorded. Their workers are underhanded and sneaky and have put me in unbearable situations. I will pay something under the guise that I am in sort of plan to get back on track just to find out the next month that what the previous rep told me isnt true. They really need to get it together. I am reaching out to attorneys also because I feel they should be held accountable for the countless lies reps tell on recorded lines yet when you asked the call to verified and checked for the incorrect information they all of a sudden are unable to listen back to those calls. I can only imagine how many others have been XXXX  by this company. Or maybe I should say this XXXX. Because no upstanding company would harass their customers to the brink of literally trying to take everything and anything. Thats what the XXXX does when people cant pay and Sallie Mae has literally become worse than the XXXX.
Product: Checking or savings account

XXXX XXXX is a new feature offered by Huntington Bank and I am eligible for this account. My account was opened in Michigan on XX/XX/2019. I always maintain a positive balance and even have $ XXXX in savings.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  XXXX XXXX Owed : {$1200.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Schwab staff ( XXXX XXXX ) told me I would be able to switch my accounts from my retail bank and my investment firm to Schwab and receive the same banking products at Schwab. I sent a detailed list of the accounts I needed to XXXX XXXX by e-mail and he verified that Schwab could facilitate that. After beginning the laborious process of transferring funds, I was informed that Schwab did not offer business or custodial checking accounts and, instead, brokerage accounts were opened for me by the automatic system, contrary to my wishes. Furthermore, checks were never provided, as promised, although I was told, at the time I requested my accounts to be closed, that they were on the way - some two weeks after initiating this process. Since then, money has been transferred by Schwab staff between my accounts, without my permission, by XXXX XXXX. An additional account has been opened without my permission, possibly by XXXX XXXX. Each Schwab staff member made different promises to me and each failed to deliver on these promises. Though promises were made to remedy these situations, by each of the aforementioned Schwab staffers, this did not occur. XXXX XXXX XXXX did not return phone calls. XXXX XXXX took no actions to help. XXXX XXXX seemed willing to help, but, at every step of the process, cited some reason that he was unable to remedy the situation. I have also reached out through the only avenue I could find contact info - XXXX - to XXXX XXXX, head of Investor Relations, but have not heard back yet ( less than one day has transpired. )
Product: Debt collection

In XXXX XXXX, I received a collection letter from Collection Bureau of America referencing a past due XXXX XXXX account in the amount of {$350.00}. The letter listed a service address in a city in which I had never lived ( XXXX, CA ), At the time I had been XXXX for 19 months and had not had a XXXX XXXX account since XX/XX/XXXX. I had never heard from XXXX XXXX prior to this, so this was clearly an administrative error or someone else 's account with the same name. I immediately disputed the letter in writing in a letter dated XX/XX/XXXX. In the letter, I pointed out that this was not my debt, explained how it could not be my debt, and requested that they provide me 1 ) the amount of the original debt ; 2 ) the name and address of the creditor to whom the debt is owed ; 3 ) verification of any judgment ; 4 ) proof that they are licensed to collect debt in California, and 5 ) proof of the last payment on the account. 
I received a second collection notice dated XX/XX/XXXX repeating the initial threat of collection, presumably prior to their receiving my letter of dispute. I then received a third letter dated XX/XX/XXXX acknowledging my dispute. At no point did the collection agency provide items XXXX, XXXX, or XXXX as I had requested, and I never heard from them again. 
On a recent XXXX credit report, I noticed that this collection was listed as negative information. It appears that Collections Bureau of America ignored my dispute and proceeded to post this erroneous information to the credit reporting agencies, damaging my credit rating despite the evidence that this was never my debt.
Product: Credit reporting or other personal consumer reports

This creditor engaged in XXXX, XXXX, and XXXX  practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

Worked with discover card on a settlement due to me being a XXXX veteran and going through a hardship. They agreed to Settle with me at {$3900.00} and to make 3 payment to pay it off in full. They promised me and my attorney on the same phone call that no adverse credit reporting would happen. My credit has dropped XXXX points due to their inaccurate credit reporting of delinquencys and late payments charge off. 

They reported to the credit bureaus as me being delinquent and past due even though I have not missed one payment. I have all the proof and I came to them in good faith and will to set up a payment plan and settle to avoid adverse credit reporting. They have retaliated against me and it is erroneous and malicious. I need help. What they are doing to me is unethical and illegal.
Product: Mortgage

Back in XXXX of this year I had tried to get a VA mortgage refinance loan. In that process, I had to do an appraisal. I was told it would be {$600.00}, which I paid using my credit card. That is the fee that is supposed to be charged to do a VA appraisal. On my next credit card statement, it showed I had been charged {$660.00}. {$69.00} over what I had been told. I ended up going to another mortgage company for several different reasons, one of which was the overcharging me for the appraisal. The other reasons were they kept messing up on the paperwork, such as wrong address, wrong amount of loan, and other mistakes on the loan paperwork. Another huge issue was they were going to charge me 5 % on points under Origination charges as part of the closing costs, which is way above what should be charged. 

I ended up having to block him from contacting me further due to getting into it with him over the errors and his unprofessionalism. 

The mortgage company and loan officer is : XXXX XXXXXXXX XXXX XXXX XXXX Executive Loan Officer, NMLS # XXXX Phone XXXX ext XXXX Fax XXXX Email XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NMLS License # XXXXXXXX XXXX XXXX XXXX License # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{ ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX. 
ACCOUNT XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDED:XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Credit card

Hello, I am submitting a complaint on Citi bank, they closed XXXX my credit cards without any warning or reason. I have tractor supply credit card with citi bank and citi XXXX XXXX credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, I haven't received any paperless notification in my online banking and I checked my accounts yesterday and saw that they are closed. Please help me understand why they closed them and help me to reopen it. I suspect that they did it because of my ethnicity, because there were previous cases when they would close cards of Armenian customers. Please help me, if I know earlier that they behave this way to their customers I would have opened card in another bank, but as I have already opened card with them I want them to be reopened. Thank you
Product: Checking or savings account

In XXXX of this year, I opened a personal checking account with Bank OZK. At that time, I made clear, and bank records show, I made the declaration to refuse Bank OZK 's overdraft protection. Not much later, I opened a business checking account with Bank OZK and ALSO refused the overdraft program. 
Months later, I receive a notice in the mail " Congratulations! '' you have been approved for a {$500.00} overdraft protection. And then the same letter came for my business account. I call multiply times, but was told call times were really long because of covid. I spent a lot of time trying to opt-OUT of this program. 

At one point, I had the perfect storm of client 's failing to deliver checks and XXXX would not disburse my funds quickly enough to cover. So my account began being drained by the cycle of overcharge- overcharge fee- draining my account. 

Effectively, Bank OZK was " helping me out '' despite my declaration to the contrary, by " granting me {$500.00} of overdraft protection '', and they then stole nearly {$300.00} from my account. 

These types of issues have been litigated and these programs have been found illegal, unless the withdrawal was a scheduled one. 

I have given bank OZK plenty of opportunity to do what is right here and XXXX XXXX at their XXXX, NC office has been impossible. 

I started my business a month before Covid hit and I knew it would be hard, but I didn't expect to have to fight my own bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This is first Notice Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Business credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number unknown totaling {$5400.00}, an auto loan account opened at XXXXXXXX XXXX on XXXX, XXXX under the account number XXXX totaling {$45000.00}, another Business credit card from XXXX, opened on XX/XX/XXXX, account number unknown totaling to the amount of {$80000.00}, A 30 day late payment from XXXX  in XXXX of XXXX. 
Hard inquires that need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items and the inconsistancies between the three main creditors such as yourself. I do not recognize the aforementioned accounts, charge offs, or hard inquiries as reported. The aforementioned accounts, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and this is not done by mistake. All of the aforementioned accounts, charge offs, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

AMERICAN EXPRESS Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.
Product: Debt collection

Getting repeated calls from Dynamic Recovery Services on my cell and landline ( unlisted, unpublished number ). I owe no debts except a current mortgage.