23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I charged {$2600.00} on XXXX XXXX XXXX CitiBank ) credit card. Towards the end of XXXX had to leave XXXX to XXXX. I set up ebill account with CitiBank to make remote payments. In XXXX I received, email stating that my CitiBank ebill set up failed. I tried to contact Citibank to pay the full amount. No way to pay. Upon returning to XXXX I had the followint charges. : XXXX {$26.00} XXXX {$110.00}. XXXX 
XXXX {$140.00} XXXX {$180.00} Upon returning I called the CitiBank to explain the situation. I have had a Macys ' ( Citibank ) account for 40 years. Never missed a payment and have a XXXX XXXX of XXXX for good management of all my credit cards and debt. 
Citibank 's interest rate is XXXX XXXX so I was patronisingly told. I was willing to pay some charges but not exorbitant, usuary interest without consideration of my excellent credit management.. Made payments and they still asked for more interest fees. Last call they stated that they had closed my account without my request. My XXXX XXXX has dropped. No good will for prompt payments in the past and no reduction of interest for good customers. Citibank has extorted me for a charge of {$26.00} with a total final payments of {$280.00} in 5 months. Hate to think what is happening to other consumers. I tried to retrieve my charge information on their website and my account is not valid because they closed my account without my request. The representative stated that they had closed my account due to nonpayment, yet I had paid all the fees thay requested. I fear they wanted to erase me from their system since I stated that I would escalate the overcharged interest.
Product: Credit card

I had the opportunity to pay my account in full and received an interest charge of over {$65.00} which I paid on XX/XX/24. On XXXX they added additional interest fees of XXXX cents. I called to request that they be removed since I had now paid over the amount borrowed twice. 
I work in customer service myself and know that the customer is not always correct but this is abuse. I checked the balance both times before paying it and they keep playing this game of not including the full amount to the customer to keep adding interest charges. They like all businesses are sending the accounts overseas and we are dealing with lack of knowledge and curtesy to the paying customer. 
I ended up closing my account due to rude individuals dealing with us. The guy raised his voice and so did I. I regret getting myself in this situation since I am one to take care of my debts, unfortunately I had no choice.
Product: Credit reporting 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 items 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 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 XX/XX/year>
Product: Mortgage

My mortgage is being serviced by XXXX XXXX since XX/XX/XXXX. 
XXXX, I did a cash out refinance ( {$250000.00} ) with XXXX XXXX XXXXXXXX. 
The terms of my 5/6 Adjustable Rate Promissory stated, 10 years interest only payments, the first 60 months paid are fixed interest only payments while interest only payments only 61-120 have the potential to adjust every 6 months for the life of the loan. Payment 121, interest only no longer applies and repayment is to include the principle amortized over 20 years/240 months. 
The Note holder is responsible to amortize the principle and interest in a manner that sufficiently calculates repayment of the mortgage in full within the time limit on the Note. No balloon exist. 
My Loan was serviced by Aurora Loan until XXXX. I do have complaints against AuroraLoan for mis management of Escrow and not applying payments accordingly, I will not elaborate in this complaint against Mr.Cooper even though there are one company. 
XXXX, Mr Cooper/Nationstar became the new loan servicer until XX/XX/XXXX. 
In XXXX, ( unbeknown to me at that time ) Mr. Cooper began to move my monthly mortgage payments into an " unapplied funds '' status, never applying or crediting the " unapplied funds '' to reduce the principle or interest balance of the mortgage. The following amounts listed below are the total amount of " unapplied funds '' taken annually from XXXX and not applied to my mortgage. 
I would also like to address missing payments that Mr. Cooper documented, not paid during Covid 19 forbearance totaling an exaggerated {$26000.00}. I 13 missed payments. Mr. Cooper returned my bank wire payment {$6200.00} in XXXX. I was attempting to give the money back to Mr. Cooper because 2 months prior to my homeowners insurance policy expiring, I sent a letter explaining I switched companies and have already advise current company of such changes and to cancel renewal. In my letter to Mr. Cooper I also advised that the current policy that I purchased was paid in full. Mr. Cooper sent both companies a payment sufficient to secure both policies for the year. Again I sent letters and tried to return the additional payments to Mr. Cooper, however my monies were rejected and sent back to my bank account.Mr. Cooper gave no reasonable explanation why my payment was refused. 
UNAPPLIED FUNDS. # of PAYMENTS MADE -- // -- MISSED XXXX -- {$68.00}. XXXX XXXX XXXX -- {$1100.00} XXXX XXXX XXXX -- {$400.00} XXXX. XXXX XXXX -- {$480.00} XXXX. XXXX XXXX -- {$53.00} XXXX. XXXX XXXX -- {$1200.00} XXXX XXXX XXXX -- XXXX XXXX XXXX. XXXX XXXX -- {$3200.00} XXXX {$6600.00} Total of unapplied funds taken and not applied to reduce the balance of my mortgage principle. 
Mr. Cooper purchased Lender forced placed insurance ( cost {$1600.00} ) in XXXX, for the same year in which they mailed out 2 insurance payments, ( XXXX {$680.00} & XXXX {$22000.00} ). They never credited my account or refunded back the {$1600.00} that was taken from a monthly mortgage payment to satisfy the unneeded homeowners insurance policy.
Product: Credit card

A 30 day late payment was applied to my credit report, for a card that was not activated or used. I had no knowledge of the card and the company keeps sending me emails daily requesting {$68.00} annual fee for a card that has a limit of {$500.00}. I didn't know about the card otherwise I would not let {$68.00} ruin my credit. I tried to explain this to the company and they said they would send me a fraud affidavid. I have not received it, but keep getting emails and alerts on my credit. They are dragging this process out, and I don't want to get a 60 day late on my credit while waiting. I don't want to pay for something that I didn't know anything about. This company needs to be investigated as the customer service was not helpful and trying to ruin my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer act ( EFTA ) Regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I have identified an unauthorized account on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXX XXXX  XXXX XXXX XXXX  XXXX Account No. XXXX Opened XX/XX/year> Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

There is this one issue with Zelle where they dont give me the options of checking up on who the person is that i am sending money too. So like they dont ask for a confirmation and then as a result i can like send It to a wrong person and then i cant even cancel the transaction anymore when i find out its not the right person. I believe they should have a lot better abilities to check who is the person Im sending my money too.
Product: Student loan

I have submitted a completed application for an Income Driven Repayment plan to Navient twice on XX/XX/19 and XX/XX/19. I have also submitted proof of income, submitted a complaint to XXXX  and emailed Navient Customer advocate. Most recently, XX/XX/19, I received an email from Navient stating my application for repayment could not be completed due to missing pages but they did not specify which pages were missing. I completed all pages of the application requiring completion, name, signature and social security number. I am confident Navient is intentionally delaying processing my REPAYE application because I have a standard payment due soon. In the past, they have neglected to assist me in attempting to repay my loan with lower payments which has forced me into deferment or forbearance. They consistently make up excuses about my completed IDR applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accounts reporting accounts as open after there closed also reporting accounts that has no balance and very old but reported open reporting old accounts that was sold but I have no written agreement with whoever it was sold to and no Information on who it was sold too reporting accounts that are too old to be still active on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach, I attempted to put a freeze on my credit. XXXX 's site reported that my data was impacted, and suggested I freeze my credit on another website. 

XXXX hid their fraud alert website, and directed me to their paid services. Their site was unusable. 

I was eventually able to file a fraud alert using the XXXX site, but only after filling out all my personal information, SS #, and email address. So, yet another " web form '' that could be hacked or intercepted, and contains significant information for people to steal. 

The entire Social Security " system '' is a relic of 1940 's technology. When will the government upgrade this system to include multi-factor authentication and including biometrics as well? Like the XXXX system in XXXX, for example.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$4500.00} DPT ED/XXXX  XXXX {$4500.00} DPT ED/XXXX  XXXX  {$6000.00} DPT ED/XXXX  XXXX {$2500.00} DPT ED/XXXX XXXX  {$4200.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX  {$12000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$3500.00} XXXX   XXXX  XXXX {$420.00} DPT ED/XXXX  XXXX  {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of XXXX I had a XXXX XXXX  account that I was unable to pay and it went to collections. In XXXX of XXXX Jefferson Capital Systems listed the debt as new and my credit score went down drastically. I have disputed it twice with XXXX  and it has not been corrected. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold.Please adjust this on my credit report. Also, I paid off a loan with XXXX XXXX XXXX XXXX  in XXXX of XXXX and they reported the payment 30 days late. I made a satisfactory payment in XXXX of XXXX and paid the remainder of the loan in XX/XX/XXXX. I was not late in my payment. Please also have that removed. I have tried calling XXXX XXXX XXXX and they refuse to change the reporting information.
Product: Credit card

I have had a PayPal account for many, many years ( I opened the account some time between XXXX XXXX XXXX XXXX. Only recently I downloaded the app on my phone for the first time. I was using the app for the first time to try and pay a vendor, clicked maybe 2 or 3 buttons, and accidentally applied for a credit card. It was far, far too easy to accidentally apply for a credit card by just clicking through a few buttons on the very first screen that popped up on the app while using the app for the first time. While the credit card application was processing ( which took less than 30 seconds ), there was nowhere to click " cancel. '' I never filled out an application form or signed anything stating that I agreed to apply for a credit card with PayPal. The app asked for my SSN but I figured it was because I was traveling outside of the United States, it was the first time I was using the app, and PayPal wanted to verify my identity. PayPal has provided no contact information in their app, their website, or the emails they've sent me verifying that I've applied for a PayPal credit card. There has been no way for me to cancel this card. I have no idea who to speak with at PayPal as there's no contact info anywhere. I do not want this credit card, I never wanted this credit card, I do not want a credit score hit for applying for this credit card, and I want mention of this credit card removed from my credit history. I am traveling outside of the United States for the next month and not home to receive the credit card being mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to repair the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I get daily collection calls from CBE Group. They call from different numbers, therefore I am unable to block them. 
I have been documenting the calls for a few days : XXXX. XX/XX/22. XXXXXXXX XXXX. 
XXXX. XX/XX/22. XXXX XXXX 
XXXX. XX/XX/XXXX XXXX XXXX
Product: Mortgage

Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. 
I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. 
Please help me end this egregious over step of power.
Product: Debt collection

In early XXXX I became aware of an ongoing identity theft and fraudulent debt issue against me when my legitimate XXXX Credit Card, which was in good standing, notified me that they were drastically decreasing my credit limit. 

When I got a credit report to investigate the unexpected issue, I discovered there were several delinquent credit card debts in my name, with my Social Security Number that I had never opened or were aware of. Some of them were fraudulent and in good standing, most were delinquent and one of them was already in collections. Others had been closed. The following are the fraudulent debts that appear on my credit report : Bridgecrest Credit Company , LLC ( opened XX/XX/XXXX ) for {$15000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) for {$2400.00} XXXX XXXX  ( opened XX/XX/XXXX ) for {$550.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) for {$300.00} XXXX XXXX XXXX  XXXX ( opened XX/XX/XXXX ) {$1000.00} XXXX XXXX ( opened XX/XX/XXXX ) for {$700.00} XXXX ( opened XX/XX/XXXX ) for {$600.00} XXXX  XXXX ( opened XX/XX/XXXX ) for {$1000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX for {$4800.00} XXXX  ( XX/XX/XXXX ) for {$2000.00} I contacted XXXX and XXXX credit reporting companies several times in XXXX and received a credit report with my legitimate and fraudulent charges and sent in paperwork to contest the fraudulent charges. They notified me that the fraudulent charges I contested had been verified by them as charges made by me. 

However, the fraudulent charges on my report are apparently being made with my actual Social Security number and from a person using my name and a middle initial, which I don't have in my Social Security record. The addresses associated with the fraudulent charges are not the same as my actual address where I currently live and have worked from for more than 10 years. 

While I worked to resolve this, I asked that the credit reporting companies freeze my credit in XX/XX/XXXX, which they said they could and would do. However, two more fraudulent credit charges were made after that. That is where the matter stands now and why I am contacting your agency.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.