23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We had a person living in our household to help them out. NOT a family member. This person took out a Sallie Mae Student loan in XXXX. Shortly afterward this person moved out of our home and apparently has not kept to their loan agreement. Since they lived in our home, I have been receiving calls looking for them. I informed we no longer have any contact with this person to stop calling. 

This is what broke the camel 's back. It was bad enough I received numerous calls throughout the years, however now my family members are receiving calls as well. On XX/XX/XXXX, I called Sallie Mae and informed them to stop calling and they asked for the numbers that were being called. Advised. I told them this is not the first request, and they are breaking the law by not complying. XXXX XXXX XXXX I received a voice mail demanding a message to be given to this party. 

I want the calls to stop, we have nothing to do with this debt nor this person,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks
Product: Credit reporting or other personal consumer reports

Request to Remove Fraudulent Accounts Under Section 605B of the FCRA To Whom It May Concern, I am writing to formally dispute fraudulent accounts appearing on my credit report, and I am requesting their immediate removal in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and identified the following accounts as fraudulent These accounts were opened or incurred without my authorization or knowledge. I have taken the following steps to address this issue : Completed an Identity Theft Report via the Federal Trade Commission Under Section 605B of the FCRA, consumers who submit a valid Identity Theft Report and supporting documentation are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit report. I have included the following documents to verify my identity and support this dispute : XXXX. A copy of my government-issued ID XXXX. A copy of the police report and/or Identity Theft Report. 

I kindly request that you : Remove or block the fraudulent accounts listed above from my credit report. 
Notify me in writing once the accounts have been removed or blocked. 

Please note that this request is time-sensitive, and I expect compliance within the statutory time frame outlined in the FCRA. If you require additional information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Attachments : Copy of Identity Theft Report Government-Issued ID Proof
Product: Money transfer, virtual currency, or money service

I am closing a bank account I have through ending in XXXX. To avoid the risk of having transactions charge to the closed account, which could result in fees and hurt my credit rating, I want to remove this bank account from Paypal. When I go online to remove the account, I receive an error message " We are unable to complete your request at this time ''. I am afraid to keep the account in Paypal, it doesn't have money in it and something may accidentally get charged to it. I have two other verified bank accounts in Paypal. 

There currently is no way to contact Paypal regarding my issue. When I call Paypal, I get a recording stating, " we cant support your inquiry over the phone at this time. Please visit the help center and send us a message. They will not take my calls. 

When I follow their instructions and go to the help center, sending a message, several hours later, a representative will respond and send a text code to my phone. After receiving the text code, I go back into messages and send it to them. However, a rep does not return for several hours and the text is only good for 10 minutes. After 2 days of repeating this process, Paypal said we have to do it by phone. 

Paypal has tried to call me but they always call before XXXX while I am working. I told them four times already only call me after XXXX EST. They call around XXXX or XXXX each time. Finally, today they said unless I can call them, they can't help me because there's no way to schedule a specific time for someone to call me. Their hours are until XXXX, but they won't set up a time when I am not working to speak with me. They won't help me in messages and they won't let me call them. 

Paypal asked me to call them but when I do, I get the recording to go back to send them a message. They tell me that they can't help me on messages, it must be by phone. 

I am afraid if this account remains in Paypal, then an accidental overdraft will occur resulting in costs out of my pocket and damages to my credit report.
Product: Debt collection

To Whom It My Concern, XXXX XXXX XXXX in Illinois has continually tried to collect on and old credit card debt that is past the statute of limitation in Florida. Today, XX/XX/XXXX they called me on 3 separate occasions using an automated dialer. I have not given my express consent to this or any other company to call me using an automated dialer. In fact my number of registered on the Federal Do Not Call List. 

Today they threatened that they have a judgement against me and that it will be enforced on Monday XX/XX/XXXX in XXXX Co Florida. They stated that the only way for me to avoid this action was to pay them some {$1900.00} today. First I have never been notified or served with a summons regarding any suite . Second, the credit card debt in question is over 10 years old and is past the statue of limitations to sue in for judgement in the State of Florida. 

The false threats and the phone calls to my cell phone using an automated dialer without my expressed consent are clear violations of the FDCPA and CFPB regulations. On top of that they call me three times in one day the first call was at XXXX, the second call was at XXXX and the third call was at XXXX. I picked up and answered all three calls. It was in the second call that the agent threatened the legal action and demanded payment to stop the legal action today. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.
Product: Debt collection

My wife went to the hospital to have XXXX. Although her insurance is in my name, the financial responsible person is her. I 've explained this numerous times to them. In doing a little research, this company is notorious for their terrible collection practices. They lied to me to get a judgment on me by telling me they were helping me. There are XXXX accounts showing up on my credit report and all of them are very small except XXXX and all are my wife 's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up to my previous letters dated XX/XX/XXXX. 
My previous complaint contains these items which are presented to be erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/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

Municipal Service Bureau ( MSB ), acting as a collection agency on behalf of XXXX, NY ( XXXX ) has requested a payment in the amount of {$1300.00} for a service that was never requested. 

XXXX. also acting as a debt collection on behalf of XXXX, has also made an attempt to collect this debt in the amount of {$380.00} for services that were never rendered. 

Please note, that supporting documentation can be provided upon request.
Product: Mortgage

I divorced in 2023. Mr. Cooper, the loan servicer told me that XXXX XXXX was possible. My loan is a XXXX XXXX XXXX loan for a XXXX building. Mr. Cooper sent me the paperwork to start the process but immediately denied me claiming the loan type is " XXXX ''. I have tried getting more information but they continue to use this language. XXXX XXXX Loans are assumable. I am not being given an explanation or chance to assume the loan so as to remove my XXXX XXXX from liability.
Product: Debt collection

I've made several disputes and reports against this Experian not handling two accounts they have placed in my credit report and asked for it to be taken off immediately. I have also called and spoken with agents several times. This issue is not being handled and just being ignored. They are reporting an account of XXXX XXXX XXXX acct # XXXX Contact info XXXX XXXX XXXX XXXX XXXX MS XXXX in the amount of {$3700.00}. They are stating it's past due and in collections. I do not have an account with this company never have had an account with them and never signed an agreement or contract with this company of any debt. I have asked repeatedly since XXXX of 2024 for this company to give a bill of sale, debt validation and 1099-c as well as debt validation there has been no evidence provided. This company continues to take the collection off my report as closed then put it right back on my account as an open account. Experian has allowed this fraudulent activity to happen and affect my credit tremendously in such a negative impact damaging my credit preventing me from trying to purchase a home. 
Everything on this account is inaccurate I need this looked into please and remove immediately for once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 Usc 1681 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Prepaid card

On XX/XX/year> I booked a room thru XXXX at simply suites in novi, mi. I used my cashapp to hold the XXXX deposit. No damages were done Simply suites released the hold. Cashapp refused to release my funds for 45 days. I informed them to contact the hotel and verify I have a XXXX balance. They told me to get a letter. I booked thru XXXX so the hotel doesnt have a letter showing that. They are unable to generate XXXX since I booked thru XXXX. However, the XXXX is willing to confirm I owe nothing. Cashapp wont try to contact them. Cashapp did this before. They keep funds to earn interest and refuse to return consumers money. Please help me get my funds released.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX ) Since then the account was repeatedly updated as charged off multiple times in the year XXXX. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations and makes the date of delinquency appear more recent than it is. I am demanding a deletion of the following account from my credit profile : CITI CARDS/CITIBANK XXXX
Product: Credit reporting or other personal consumer reports

I received notification my credit score dropped. Which is also ridiculous how a {$90.00} credit card in crease can drop your credit score XXXX points. But in the same breath paying your credit card bill down by {$490.00}. Only brings it up two points. I am not sure if this is something FTC should look into but its hard to keep credit up with drops this large. Anyhow, I received notification XX/XX/XXXX regarding two missing mortgage payment in XXXX and XXXX of XXXX. This is in relation to issue I had with my XXXX XXXX account complaint # XXXX. My bank did initially cause the issue with the {$39.00} NSF fees being taking out off account causing mortgage pymts to return however, allowed for I insurance pymt to go through with no money and charge that and fee. Reached out to mortgage company XX/XX/XXXX spoke with XXXX who state she could fix because they report as paid and cant change. She said she understood what happened. Hadnt missed a payment since XX/XX/XXXX waiting for fraud unemployment case to clear ( 8month process ) and nothing they could do about that although on a payment modification plan. She said she could send my records I could dispute through credit bureau and they would investigate that way. Did as said and still rejected investigation and payments remained late. Although it took the mortgage/bureau to show delinquent six months later after the purchase of a new car. I am look for these late fees to be removed.
Product: Debt collection

This was a medical bill from a workers comp claim that was resolved. The collection company has failed to provide any notification of the collection and or an opportunity to dispute. 
Please remove this debt from all of the credit reporting agencies.
Product: Debt collection

A credit card was opened in my name in Georgia, a state I have never resided in. Charges were ran up to {$5300.00} on a XXXX XXXX XXXX XXXX XXXX XXXX credit card and now XXXX XXXX XXXX, a debt collector, are trying to collect on a debt that I did not create
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised Equifax that they were reporting an account ( XXXX XXXX with an incorrect balance They replied XX/XX/XXXX with still the incorrect information. The account is paid in full as per the attached statement.
Product: Credit reporting or other personal consumer reports

On Dates XXXX XXXX I have several fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX Ca, XXXX, XXXX, XXXX, and XXXX XXXX respectively. I called XXXX and was told I had to file a complaint with the FTC before any further actions could be taken. I also have the following fraudulent accounts on my Equifax and XXXX accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am a XXXX XXXX engineer and I usually get my payment through Paypal. On XXXX XX/XX/2021, I received {$4300.00} which was held but I explained to them and sent supporting documents. On XXXX the amount was released. However, the account was permanently limited without prior notice whatsoever. Please advice.
Product: Credit card or prepaid card

While checking two existing citi bank cards that have a XXXX balance, citi bank interrupted this session with a advertisement to apply for a citi XXXX card. This stated that they will not pull any credit reports this event happened on XX/XX/17. The morning of XX/XX/17 my credit monitoring XXXX sent me a email stating that Citi bank struck my credit file. Email dated XX/XX/17
Product: Credit card

While booking a flight with XXXX XXXX, we were presented with a promotional offer to apply for a Citi credit card and receive {$200.00} off the trip we were booking, along with XXXX miles. The offer appeared to be tied directly to the booking, so we decided to apply and were approved. 

However, once approved, all the flight and payment information we had entered disappeared, and we were required to restart the booking process. The problem was that we were not provided with a credit card number after approval. When we called Citi, we were informed that the card processing takes XXXX days and the physical card would arrive in XXXX days, making it impossible to use the card for the trip as advertised. 

I specifically asked why the offer indicated it could be applied immediately to our trip, and the representative stated it was supposed to auto-fill upon approval. This did not happen. After further research, I discovered many similar complaints online about the same issue. 

I also inquired about Citis complaint process and was told they simply write an email to a supervisor but do not take my information or provide any way to follow up with customers. 

I believe this promotion is misleading and deceptive. The company knowingly advertised a benefit that they were not able to deliver, leading us to apply for a credit card under false pretenses. Additionally, when I asked if the card could be expedited to take advantage of the low fare on the flight, I was told that nothing could be done. 

This experience has caused significant frustration and feels like an unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. 
I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, Carrington Mortgage reported a 30 day late on my XXXX report. I could only make payments by phone or mail due to the status they have on my account. I also have no online access, as I do others, due to me getting off after they close because of this status. I called and spoke with XXXXXXXX XXXX XXXXXXXX. I was confused on what the payment should be due to all of the different statements stating credits then the amounts were all different. She took a regular payment from me and stated this payment would not effect my credit due to she saw what I stated as well as my reporting is being SUPPRESSED due to they had not finalized my account from Bankruptcy status. The next day I got an alert after making this payment and they reported 30 days late. I called back and spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they both ASSURED me they were NOT reporting due to it being SUPPRESSED! One Gentleman gave me a research team fax number so they could look into this. I faxed and received a letter dated XXXX  stating its would take 30 days!. They also reported that my account was being sold and this is not true. I decided not to go through with the refinance but yet they reported after the fact. My insurance was not paid from escrow and was cancelled due to their negligence of my account. The payment to my insurance company was rejected because the account showed it was being sold. This company also told me they were still working on a dispute I put in the month of XXXX when I called in the month of XXXX. This company has caused me stress and frustration, a lapse of insurance, a loss of XXXX XXXX, and my commercial purchase has been affected with their derogatory reporting and improper handling of my account. I have also filed a XXXX XXXX XXXX complaint and they have yet to respond. ( Several complaints discovered there with the same issue )
Product: Debt collection

This debt has been settled and paid in full with this company and I want it removed and report to all 3 credit reporting agencies This company MIDLAND assured me it would be done once payment was settled and they have yet to do so.
Product: Debt collection

So I have asked Midland credit management to stop with this debt I'm not sure who opened it but it was for sure not me I've asked them to prove that it was me they said they can and I have not seen no proof I would like them to get this off of my credit report as this is not mine I did not open that account I never knew anything about this account until I'm seeing it on my credit report go away as I never opened an account with midland I don't even know who they are I believe this was opened fraudulently with any knowledge of mine.
Product: Mortgage

Re : {$28000.00} Shellpoint Mortgage Discrepancy & Other Matters Loan # XXXX XXXX XXXX To Whom It May Concern : I received a Shell Point payoff notice, dated XX/XX/XXXX with a total payoff amount of {$100000.00}. Please see Exhibit A. The notice lists a Principal balance of {$79000.00} and Deferred Principal of {$28000.00}. I dispute the deferred principal balance of {$28000.00}. 

On or about XX/XX/XXXX, I received my XXXX Form 1098 ( Mortgage Interest Statement ) for the tax year ended XX/XX/XXXX. Please see Exhibit B. In box 2, the Outstanding Mortgage Principal is listed as {$80000.00}. This amount appears wrong. How did the principal balance increase by {$830.00} from {$79000.00} to {$80000.00} from XX/XX/XXXX to XX/XX/XXXX. It's my understanding the principal balance should decrease each month after a payment. Nevertheless, this is the document that was reported to the IRS and there is no Deferred Principal listed. Also, after making at least 2 more payments during XXXX, Shellpoint has not explained to me how my principal balance increased instead of decreasing for payments made in XX/XX/XXXX and XX/XX/XXXX respectively. 

Enclosed is a copy of my Mortgage Statement from Shellpoint, dated XX/XX/XXXX. Please see Exhibit XXXX The mortgage statement lists an Outstanding Principal of {$79000.00} and Deferred Balance of {$28000.00} ( total - {$100000.00} ). I again dispute the deferred principal balance of {$28000.00}. 

I need help in obtaining my true and correct mortgage balance from Shellpoint! 

If there are any questions, please call me. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX