23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are currently facing a impending foreclosure on our home and residence. On XX/XX/XXXX l received a certified letter which read " Notification of our plan to sell property '', which will be included with this complaint. This is the first correspondence of this type received. 

When Ditech Mortgage XXXX  folded several attempts were made on our part to fix and repay delinquintcies of our mortgage. Or some sort of repayment arrangement with the Shellpoint Mortgage Servicing company starting in XXXX. This was because of a letter received from Ditech Mortgaging XXXX, instructing us NOT to make payments to them. As they were going out of business at the time.

Each time that Shellpoint was contacted we were transferred to an extension in their company. Supposedly the case worker working our case, where everytime meeted by voicemail. Leaving a message, each time expecting a call back ; none was received. The last time before the above letter was received was on XX/XX/XXXX. Following my wife 's XXXX XXXX, we were to call back two weeks later. This was because she was just coming out of the hospital. Called Shellpoint back with an extension to call two weeks later to the day. Call went to voicemail again and left another message asking them to call us back. No return call was received again. Keep in mind each time Shellpoint was contacted there was a different extension, and different case worker.

Shellpoint also said over the phone on XX/XX/XXXX that at the beginning of this that they had sent me a welcome letter. This letter supposedly discribed when and where to send payments. No such letter was ever received. 

I feel that we made every attempt to try and resolve this matter. Shellpoint Mortgage Servicing 's way to solve this is to go ahead and sell and foreclose on the property.
Product: Money transfer, virtual currency, or money service

Unauthorized Transactions : Transactions totaling {$19000.00} were made from your Venmo account without your knowledge or permission between XX/XX/XXXX, and XX/XX/XXXX. 

XXXX  : During the period when these transactions occurred, you were XXXX at XXXX XXXX, XXXX, which suggests that you did not have access to your account or authorize these transactions. 

XXXX and XXXX : You became aware of the unauthorized activity when you received notification from the XXXX XXXX about changes to your direct deposit. Subsequently, you contacted Venmo to freeze your accounts until your XXXX. 

Recovery Efforts : After your XXXX on XX/XX/XXXX, from XXXX to XXXX XXXX XXXX, you initiated the process of recovering your accounts and funds with Venmo. 

Legal Actions : You filed a police report with the XXXX XXXX Police Department ( Report # XXXX ), as well as reports with the Federal Trade Commission ( # XXXX ) and XXXX XXXX XXXX XXXX, to document and investigate the fraud.
Product: Credit reporting or other personal consumer reports

XXXX, is illegally reporting my credit information to Macy 's credit card Services On a monthly basis without my knowledge? 
Macy 's didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from XXXX they reduced my credit limit? 
XXXX is selling my information and want to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX  XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2. I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

I created an account on Binance.US to purchase cryptocurrency in XX/XX/XXXX and they froze my funds on XX/XX/XXXX and I still have not had access to my funds restored. A chargeback was issued on this date due to insufficient funds in my bank account. The website said my funds would be locked until I deposited an equal amount of money to cover the chargeback. The deposit for the requested money cleared on XX/XX/XXXX and my funds are still frozen. I find it odd that they will accept money from me, but I am unable to restore access to any of my funds. I have submitted multiple help tickets and there has still been no response. Many others on XXXX have had the same experience. I feel there is nothing I can do and they are unfairly seizing my funds. Any help would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was on my XXXX XXXX and noticed a XXXX XXXX  I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. XXXX had said I would be updated to XXXX and equifax but never happened.
Product: Checking or savings account

ACH transactions, mortgage & bills, were duplicated causing an overdraft and subsequent lock-out of access to funds. Unable to get through to bank for assistance or explanation as recordings and postings simply state " working on the problem ''. I am concerned that this issue will be swept away. Wanted to make sure regulatory agencies were aware. 

I realized this may be an error, but I would expect an expedient resolution and or measures that would prevent this from ever happening in the first place. A similar occurrence happened to me in the past with another back. 

Given the current financial climate, one would expect a high level of concern for depositors. I will investigate alternative banking solutions as BOK has severely downgraded my opinion of their competence. 

XXXX
Product: Credit card

Capital One advertises a {$200.00} new cardmember bonus if you applied and qualified for their XXXX XXXXXXXX credit card requiring excellent credit. I did that ( my credit score is XXXX, according to CapitalOne CreditWise ) and the card was approved on XX/XX/2023. After I fulfilled the {$500.00} spend on XX/XX/XXXX ( within the XXXX 3 months ) they refused to provide the advertised {$200.00} credit saying the card I applied for on their website did not offer the bonus. Case # XXXX was created by XXXX XXXX XXXX ) to research this. On XX/XX/XXXX I received an email from CaptialOne that stated, " We have reviewed your request to be awarded a bonus and found that your account does not qualify based on the terms of the product for which you applied. '' On XX/XX/XXXX I was told the Capital One phone supervisor XXXX that their computer system had a glitch and had me apply for another version of the XXXX XXXX Card that doesn't require excellent credit. However, the website where I applied stated " Credit Level Excellent '' below the card image. See : XXXX : XXXX After I was pre-approved, the webpage and email stated I'd receive the new card within a few business days which I did. No notice that card did not have the advertised {$200.00} new cardmember bonus attached to it. 

No replies from Capital One to any of my emails or voiced complaint about their website glitch : apply for card with excellent credit but get approved for a card which doesn't require excellent credit and doesn't have {$200.00} new card member bonus. 
Please refer to uploaded doc which is contains all relevant emails. 
Copy/paste of last email sent : On Sat, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : Case # XXXX Please post the ADVERTISED {$200.00} rewards credit to my XXXX  XXXX cardending in XXXXand confirm via email. Kindly read previously sent email ( below ) for which there was no reply CFPBXXXX XXXX, FTC and socialmedia complaints in progress and will be filed on Monday XX/XX/2023 Thanks for your consideration XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.This account is violating my federally protected rights and I demand this account be deleted from my TransUnion, XXXX and XXXX and XXXX credit reports and also { {$1000.00} } in damages for the pain and suffering and the credit violations.It has caused me XXXX XXXX a lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX account # XXXX from all Credit bureaus. 


This false reporting is not merely an error ; it reflects " actual malice, '' as TransUnion, XXXX and XXXX knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnions, XXXX and XXXX willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an XXXX disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion, XXXX and XXXX irresponsible and unlawful actions
Product: Mortgage

1 ) Selene perjured itself in its previous response. It had not and has not been sending correspondence ( including monthly statements ) to our lawyer. Selene only sent three pieces of correspondence after we posted our complaint with CFPB on XX/XX/24. That correspondence included only the same XXXX items that we received : the updated escrow analysis we requested, and XXXX erroneous statements that both indicated that we are behind on our mortgage by XXXX payment ( See Attached XXXX XX/XX/XXXX for XX/XX/XXXX bill ). We are still not receiving monthly statements ; this is a violation of federal law. We would like Selene to send our monthly statements directly to our residence XXXX ) We overpaid our mortgage payments for the first XXXX months of the year by {$110.00} because Selene failed to inform us of the new lower payment that took effect at the beginning of the year. We would like to know how Selene applied those additional funds ; we would, of course, like those funds to be applied to our principal balance. 

3 ) Selene has not responded to our qualified written request for information about our account. We sent this request via certified mail ( see attached Letter to SeleneXXXX XXXX ) on XX/XX/XXXX to Selenes recommended address for customer service inquiries ; however, Selene did not sign for the letter until XX/XX/XXXX. Furthermore, Selene has not sent a response to this qualified written request. At this point, we have been waiting for answers to our questions for more than 90 days, which is a violation of federal law. The principal purpose of this letter was to request a complete list of all fees and additional charges ( aside from interest ) that have been charged to our account since Selene started servicing our loan ( including an explanation for every fee and additional charge ). We request that Selene send us this requested information about our account. 

4 ) The most recent statement that we received from Selene indicates that they have lost or misapplied XXXX of our mortgage payments. Although we included this same information in our CFPB complaint of XX/XX/24, Selene has failed to resolve this issue as far as we are aware. The result is added confusion about charges, payments, etc. Selenes long history of this behavior makes it appear that it is intentionally causing confusion to its customers in an attempt to collect extra fees or force its customers into delinquency. 

XXXX ) If you are the Selene employee reading this letter, you can anonymously report any suspected criminal activity by Selene at XXXX or you may contact the office of the Attorney General of the XXXX of Virginia at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX XXXX XXXX XXXX.  Attached is the documentation for verification as well as account update information.
Product: Debt collection

Since XX/XX/2020, Comenity Bank has repeated called and harassed about a debt they are claiming is owed, that is not. 

During the start of the pandemic, the bank also started using COVID as their reasoning for calling, claiming they would offer extended programs so I could repay the debt and then openly berating me for refusing to pay. 

Today, the company resorted to calling my mother, whom I have not lived with in decades, to get in contact with me, despite having my phone number on record. 

When I contacted them again and told them YET AGAIN to stop harassing me, the agent got aggressive and started arguing with me, claiming that their harassing tactics were not a violation of the FDCPA. When I asked where they got my mothers number, a number that I didn't even know myself, the agent respond with " we have ways to find this information ''. BECAUSE IT'S APPARENTLY NECESSARY AND ACCEPTABLE TO CONTACT MY XXXX YEAR OLD MOTHER ABOUT A {$200.00} DEBT. 

As I said before, this business is refusing to work with me over this debt, that is essentially late fees tacked on late fees, that are not owed to them, while threatening to ruin my credit if I don't pay, and contacting family members to reach me. 

These tactics are a clear violation of the FDCPA and this company needs to be dealt with, as their agent even admitted that their methods are their standard practice. 


Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank was included in Bankruptcy and reporting open and past due.
Product: Credit reporting or other personal consumer reports

Im disputing the late payments reported on my XXXX XXXX XXXX account XXXX. This late payment is not true because Ive been paying on time. Reporting this is wrong and violates a lot of laws meant to protect me. Under 15 USC 1666b ( a ), creditors cant treat a payment as late if its made on time. Reporting it as late when I paid on time is breaking this rule. Also, under FCRA 1681e ( b ), credit bureaus must ensure the MAXIMUM POSSIBLE ACCURACY of the information they report. By continuing to report this false late payment and refusing to fix it, they are directly violating this law. By not fixing this after I disputed it before, they also violated FCRA 611 ( a ), which says they have to reinvestigate disputed items properly. If this isnt fixed, its willful noncompliance under FCRA 616 and 617, which lets me claim {$1000.00} for each violation. This false late payment is hurting my credit and causing me stress. I want the late payment removed right away and the account fixed to show " Paid as Agreed '' or " Current. '' I also want an explanation of how it was verified this late payment and send me proof once its corrected.
Product: Student loan

I have been experiencing ongoing issues with my student loan deferment status, which have yet to be resolved despite multiple attempts to contact MOHELA. 

In XX/XX/XXXX, I received a notification stating that my loans were due for repayment. However, I was still enrolled in school, and my loans should have been in deferment. 
When I contacted MOHELA, I was told that my loans first needed to be placed into forbearance before they could be moved into deferment. 
In XX/XX/XXXX, I received another notification stating that some of my loans were in deferment, but others were not, and I was required to make a payment. I called again and was informed that my loans were placed in forbearance while the technical team worked on the issue. 
On XX/XX/XXXX, I received another payment notification and called MOHELA once more. This time, I was told that my loans were showing as being in repayment because I had already received a grace period. However, I have never had a break in my school enrollment, nor was i given a grace period because I was still enrolled, and I made this clear to the representative. 
I was then told that I needed to provide proof of enrollment for XXXX XXXX XXXX, which I promptly obtained from my school and uploaded on the same day. 
Since submitting the requested documentation, I have been unable to reach a representative to confirm its status or resolve the issue. Wait times have exceeded four hours, and during my last two attempts, I waited on hold for over two hours only to be disconnected. Additionally, I have sent multiple emails with no response. 

I am now being wrongfully asked to make payments on loans that should be in deferment, causing unnecessary financial and emotional stress. I request that this issue be urgently escalated and resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a XXXX XXXX XXXX XXXX XXXX with 98 reduction in sales since XX/XX/2020. The XXXX XXXX is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of XXXX XXXX and suspension of all XXXX XXXX XXXX. They should not be reporting this XXXX  account to my personal account and it should be removed.
Product: Debt collection

I lived in an apartment and paid a {$4000.00} security deposit. Upon moving out, the apartment kept the entire deposit for carpet cleaning and minor repairs ( nail holes from pictures ). They then attempted to collect an additional {$1400.00} for rent, without providing any itemized breakdown or receipts. I have disputed this balance multiple times but have not received a clear explanation or proof that these charges are valid. The charges are double-dipping, as the full deposit was kept, and I am requesting the deletion of this debt from my credit report.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX AV XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX
Product: Debt collection

I think its because of this reason : This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the XXXX XXXX XXXX insurace I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back. I received multiple calls/cards telling me that if I didnt pay they were going to affect my credit, but like I mentioned before since I dont have the money to pay, theres was nothing I could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all 3 bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all 3 credit bureaus again XXXX removed it, but XXXX and Experian have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Credit Bureaus reporting late payments after account was closed i.e. Experian reporting 15 90days and greater late payments from XX/XX/2021 to present day. An account can not be late after it is closed. This is a violation. Delete this account immediately.
Product: Debt collection

There is an account listed on my credit file through Jefferson Capital which is unknown as I have never had business with this company and no way do I owe anyone XXXX. This is inaccurate and false, requesting full validation including signed agreement
Product: Credit reporting or other personal consumer reports

NOTICED A FRAUD ACCOUNT AND SOME FRAUDLENT INQURIES ON MY REPORT FROM EXPERIAN.