23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are trying to short sale our home. We have an offer and have submitted it to Nationstar. Nationstar has decided that they are going to disregard the offer along conventional means and list our home on an online auction ( XXXX ). We have fought this, but seemingly lost until our agent, XXXX XXXX, informed us on XXXX that the online auction had been cancelled and we were moving forward, as usual. Nationstar countered the offer and the Sellers countered back. TODAY, XXXX XXXX stated to us that the online auction is BACK and moving foreward due to an ERROR made on the part of Nationstar. This is unacceptable. Nationstar must be held accountable for their mistakes. We are losing our home, I ( XXXX XXXX ) have XXXX ; I have to dictate this letter to my husband as I can not write it myself. My husband has XXXX. I had a XXXX and have gone through XXXX. We are not well people and Nationstar is driving us to the brink of insanity. We CAN NOT take their blatant disregard of the fact that on the other end of this short sale transaction are human beings trying to survive the best that they can. Here is the email forwarded to us today from Nationstar : Property : XXXX XXXX XXXX XXXX XXXX CA, XXXXSubject : RE : ***Counter Offer - Documents Needed ***Body : It appears the file was inadvertently assigned to me during the homesearch process, I reviewed the offer on file because the account was assigned to me. The loan was sent back to homesearch to finish the auction process. If there are no higher bids, the short sale will be assigned to a retail negotiator to submit the offer on file. 
Created By/Date : XXXX, XXXX - XXXX/XXXX/2015 XXXXXXXXNotification From : XXXXXXXXThree days prior to this email, we were forwarded this message : Property : XXXX XXXX XXXX XXXX XXXX CA, XXXXSubject : RE : XXXX - XXXX - XXXX RequirementsBody : XXXX, the short sale has been assigned to me to review/negotiate the offer submitted by you ; therefore, I believe the auction process has stopped. I will be reviewing the offer following this message. Thank you, XXXXCreated By/Date : XXXX, XXXX - XXXX/XXXX/2015 XXXXXXXXNotification From : XXXXXXXXThis is unacceptable. Both we and our agent can not even fathom how the online auction process is even legal. I am attaching to this complaint the requirements mandated by the XXXX XXXX XXXX, as Nationstar has stated that our agent must list our home back on the XXXX and direct buyers to XXXX for the online acution, or else the short sale file will be declined. To date, no one at Nationstar or XXXX has responded. The XXXX requirements were sent to both parties on XXXX. There has been XXXX response or even acknowledgment of the XXXX XXXX rules to list auctions on the XXXX. We can not see how Nationstar or XXXX are in compliance with any XXXX or the California Department XXXX XXXX XXXX. We were under the impression that a residential purchase contract was a binding XXXX. Nationstar 's ineptness to do their duties should not mandate our lives in such a negative manner. This was their mistake. They need to adhere to what they told us and see this short sale through with the offer submitted.
Product: Student loan

I went to University XXXX XXXX for the first two years of my XXXX and XXXX College for the last two years of my XXXX. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and noticed inaccurate account reporting.
Product: Checking or savings account

My car was stolen and I had a insurance rental from XXXX so when I returned the vehicle XXXX forced posted {$2200.00} on my FOUND XXXX  BANKING account witch had XXXX balance now was - {$2200.00} so I immediately called to dispute this with my bank being charged a incorrect amount while I had the rental XXXX tires went flat and I had to pay out of pocket and was supposed to be reimbursed by XXXX so after dispute with bank I contact XXXX submit the receipt for the tires and ask for a review about this {$860.00} upgrade charge I felt was incorrect and they returned the {$260.00} for the tires wich found businesses bank took for the negative balance now XXXX agreed when presented with the evidence to review the {$860.00} but said it was about a week to review so I'm in contact with this found risk department about several charges on my account that didn't make sense and they keep sending me to collet evidence then when I submit it they find something wrong and request more so I have a XXXX child that receives his XXXX XXXX XXXX into my found account and the first is coming up and the account is still - {$1500.00} so I reach out to found risk department who only commicates thru email and no one can contact them this is a prepaid card account so no branch they ignore me until the XXXX deposit comes and they take {$400.00} and force me and my XXXX XXXX child into homelessness I make them a ware of our situation they don't even pretend to care then XXXX XXXX give XXXX {$750.00} policy max for rental I let found know and send them copies of the {$750.00} payment to XXXX and ask for a provisional credit while we wait for XXXX to review so me and my child can get off of the streets I'm told to get a final copy of the bill so I do and XXXX agreed I was charged the wrong amount and will be refunding the {$860.00} now the final bill says I was only supposed to be charged about {$1900.00} so I tell found why was my account charged {$2200.00} when they only have a record of {$1900.00} and they are refund {$860.00} now let 's do the the math {$1900.00} - {$860.00} - {$750.00} -- $ XXXX then found also took {$400.00} XXXX XXXX XXXX found has collected {$860.00} + $ XXXX and my account is still incorrectly- {$600.00} overdraft and me and my child are homeless and I reach out to found because at this point they owe me money they response with a bold face LIE and say XXXX XXXX posted {$2200.00} the final amount was supposed to be {$1900.00} so they returned {$260.00} to make up the difference NO LIE I have proof then XXXX returned {$860.00} the another LIE they say I stated state farm reimbursement me {$750.00} when the record and recite I sent them clearly shows that payment was made DIRECTLY TO XXXX and that XXXX could not move forward with the dispute and I need to reach out to XXXX and XXXX to get XXXX remaining {$360.00} I feel I'm owed? Yet they don't say why the balance is now paid in full and my account is still- {$600.00} and I'm owed {$360.00} they think because they are a small entity in the banking industry its a lawless game please help me and consumers BEWARE. 

XXXX
Product: Credit card

I had a verbal agreement with XXXX/Synchrony Bank to close the account and pay {$50.00} a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of {$290.00} which I made for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report with XXXX XXXX  XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the TransUnion XXXX XXXX credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that these accounts : XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX : {$580.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX FCU XXXX Balance : {$0.00} will be removed.
Product: Checking or savings account

We have a court ordered freeze/garnishment on our bank account that was set in place on XX/XX/year>. A court date is set for the XXXX and they will then take the money out of our account that me owe, which is not my issue. I understand that we owe the money and its our fault we are in this situationmy problem is that I think its wrong with the way its being done. After the court date on the XXXX the judge with have to sign off on the garnishment order and then those papers get sent to our bank, the bank with them need another 5 or so business days to review and unfreeze our account so we can finally has access to our money. We have had zero access to any money since XX/XX/XXXX, thats 2 weeks so far that Ive been unable to go grocery shopping to feed our XXXX old daughter and XXXX old son, unable to put gas in my car ( a couple days ago I was driving my son to school and ran out of gas ) and we havent been able to pay our other bills which is putting us in a position where we can possibly lose our house. And this is going to go on for another 2 weeks at least. So I would challenge the Judge who allowed this to happen, the law firm who requested the order and our government officials who allowed this to be the law and ask them ( anyone else in this world ) if and how they would feed their children or survive for 4 weeks WITHOUT access to their money.
Product: Debt collection

Since XX/XX/XXXX I have repeatedly received aggressive phone calls from Avante USA XXXX claiming that I have an outstanding balance with their creditor/parent company XXXX XXXXl XXXX with in the amount of {$140.00} and another in the amount of {$200.00}! For an emergency room visit at XXXX XXXX XXXX, Florida that dates back XX/XX/XXXX! A visit in which all balances were covered by my medical insurance and the copay on my end was also paid in the full amount. As a result I have no balance or lingering accounts within either systems of XXXX XXXX XXXX XXXX XXXX or the XXXX XXXX billing of XXXX XXXX XXXX, when I called and spoke to representatives on both sides, they had no record of an outstanding balance on file. So, for me to get a badgering call from Avante USA XXXX for a visit that occurred almost 2 years ago that was fully paid is clearly fraudulent and misleading. The validity of documentation of this balance in XXXX is highly suspicious as well! I completely dispute their efforts for collection for an XXXX  visit that was already paid for in which, I didnt even see one of the physicians that they claim Im my balance within Avantes file. I never received any notice, phone call, or communication of any other balances relating to this XXXX  visit and I would like for the account to be closed and dissolved as it is simply false nor can they provide me any legitimate verification or legitimate proof for the existence of any balance with XXXX XXXX XXXX to begin with! There are clearly a lot of instances nationwide with people fighting against being taken advantage of by Avante USA XXXX and affiliate XXXX XXXX XXXX! To top it off I dont even live in the state in which this claimed debt is owed!
Product: Credit card or prepaid card

Someone is using my social security name with their name and has open a lot of credit accounts in my name which isnt me! Please investigate and deleted and any credit open by me need a PIN number and to call me! This is not my account
Product: Money transfer, virtual currency, or money service

I have the first card with them on XX/XX/2020. Despite they said that this card can be used anywhere Visa is accepted, I couldn't use it in XXXX and XXXX even those two companies accept Visa just fine. When I attempted to use it, the purchases were rejected with this error " Merchant not in Network or No Purse Exists ''. I also tried to contact them to explain this error but the company never responded. 

A few weeks later, I combined a few tokens to form a card with {$670.00} worth of balance. I was only given 6 months expiration date instead of typical 12 months duration like the other card that I have before.
Product: Money transfer, virtual currency, or money service

COINBASE  HACK My coinbase account was hacked this morning at XXXX. They managed to ta take {$12000.00} plus of my investments. Leaving {$24.00}. They also managed to take {$1000.00} out of my bank account attached to coinbase. The Ip address XXXX and the email that was used XXXX Not sure at this point if I will get any of the money from coinbase. My bank is working on getting my {$1000.00} they managed to take from my personal account. 
Coinbase is supposed to be safe and secure. The only way I can contact them is through email ... I have had no reply. This is alot of money and hard to swallow. And I'll I get is an email to send my concerns to ... scary guys.
Product: Checking or savings account

A pending XXXX debit was presented to Wells Fargo in the amount of {$5.00}. This was PENDING- not a check to be covered and cleared. XXXX went ahead and assessed a {$35.00} NSF fee on this transaction. Plus a {$10.00} account fee on the very same day. This is usurious, unfair, deceptive and malicious. I never had account fees assessed ever before. Have had this account for years upon years. 

This {$35.00} fee notice has been Refused for Cause. Please see the attached.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

XX/XX/2022, my credit limit was changed to {$1200.00} ; however, before this change my credit limit was {$1500.00}. On XX/XX/2022, my current balance was {$1300.00} and I made a {$100.00} payment. Then, I made a {$310.00} payment on XX/XX/2022. On XX/XX/2022, my available credit was at {$500.00}. Abruptly, the current balance changed to {$990.00} and my available credit went to {$200.00}. On XX/XX/2022, I called to get some clarity about this and was told my credit limit was reduced to {$1200.00}. Since, my credit limit dropped to {$1200.00} and my credit limit was at {$1200.00} at the time. I was over my credit limit. The {$310.00} that I sent went towards the XXXX. Barclays representative said I was over my credit limit. The reason I was over my credit limit is because Barclays dropped my credit limit under my credit limit even though Barclays knew the new credit limit would put me over the credit limit.
Product: Debt collection

I received a month ago my first notice of collection from Credit Collection Services in XXXX MA claiming I owed {$200.00} to XXXX XXXX, my FORMER auto insurer for the year XXXX. 

I was insured by this company through XXXX XXXX XXXX XXXX XXXX, and in XXXX of XXXX  I requested quotes through XXXX from this company -- along with several others -- for the year XXXX because XXXX was charging an extraordinarily high rate for a good driving record. None of the information CCS provided to me indicated what the charge was for, or even the year, and knowing that I did not automatically renew my policy from XXXX ( I sent an email to my insurance agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  letting her know that I was no longer going to use XXXX or her agency ( i received a better rate through XXXX ) ) that I was not going forward with them -- and instead went with a better policy for less money for XXXX with XXXX XXXXXXXX, Since XX/XX/2022 to today, my automobile has been registered in Arizona with XXXX XXXXXXXX as my insurance policy. And because I an excellent driver, I've not needed to file any claims. 

I am filing a complaint against XXXX XXXX with the Arizona Department of Insurance, and forwarding this complaing information -- along with details on Credit Collection Services false collection claims -- to the Arizona Attorney General 's office. 

Poor bookkeeping and communications skills in corporate America does not justify causing inconvenience to consumers. They need to get their act together.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was living at XXXX XXXX XXXX where my contract was voided out due to the apartment being infested with mold. I have a written notice from the apartment manager where I wouldnt be charged upon leaving. I now have {$230.00} on my credit. I sued the company for damaging my credit, loss of personal belongings, and medical costs for XXXX XXXX XXXX. A judge awarded me {$5100.00} however the apartment complex did not pay or remove the damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax solicited my information and then it was stolen and 3 board members profited from this
Product: Money transfer, virtual currency, or money service

Paypal is trying to constantly charge me for things I hadn't even purchased. This is constant harassment. I tried calling them and they even laugh at me. 

PayPal *Thank you for order with PayPal* Hi, XXXX XXXX Your order has been successfully placed, the amount of {$420.00} USD will be debited soon. 

Support : XXXX XXXX XXXX XXXX Order Details : Date : XXXX, XXXX, XXXX Transaction ID : XXXX Payment method : Account Payment Product : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} USD Deliver To : XXXX XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX The charge on your statement will appear as " PayPal '' Inc. with XXXX to XXXX hours EST. 

Need support? For product use Helpline XXXX XXXX XXXX XXXX Disclaimer- PayPal is not responsible for promotions offered by third parties and you should read the Terms & Conditions relevant to any promotion at the merchants website. This email was sent to XXXX, because your email preferences are set to receive PayPal Partner/Third-party promotions. Please do not reply to this email. Unfortunately, we are unable to respond to inquiries sent to this address. For immediate answers to your questions, simply contact our Help Center by Helpline number. 

Copyright XXXX  PayPal. All rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is extremely slow in updating files, they should be made updated once a week or sorry no can't post Like you they force people to use thier, words that are to their liking. We should be allowed to enter our own words no swearing Inquires should not cause your score to go, and late payment should not be on anyone 's any one 's report for more than 90 days The money industry with their superior like attitude over people could care. less When a person applies for a mortgage no more than a soft inquiry should be done first otherwise the scores drop XXXX points I have been told don't apply to more than one company when searching for a mortgage So when I don't like the first company I should not apply to anyone else oh well too bad suffer Case in point oh XX/XX/2022 I applied not the best home buying score was which was XXXX which was enough to work with the WellsFargo agent stated. The agent XXXX XXXX said I will get working on it now and will be back in touch in 24-48 hours. He failed to call I had to call him on Tuesday, and he ran two inquiries dropping my score back down to XXXX, he said your score is too low and can't help you, but you made it that way and what happened to Wednesday when you said I will start the paperwork, Tuesday he said sorry your score dropped can 't help I might ask for monitary compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting the coding on the XXXX  - account number XXXX. It is being reported as a code M5. There is a {$0.00} balance and {$0.00} past due on this account. This incorrect coding is harming my credit score and is a Fair Credit Reporting Act violation.
Product: Debt collection

The amount owed was posted twice within a 30 day period. 
I only owe them {$160.00} dollars. They posted a collection with XXXX on XXXX/XXXX/15 and then again on XXXX/XXXX/15.
Product: Debt collection

I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX XXXX XXXX. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX XXXX would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/21 I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/21 and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies concerning reporting, with incorrect amounts and dates.