23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan is serviced by Selene Finance, LP. It was an investment property which is now our primary property. Selene had given us a rate of 5.85 % as an investment property. We had renters staying there from XXXX till early part of XXXX. They stopped paying rent as their business was affected by Covid and they have moved out since and we have moved in and is now our primary dwelling. We are affected by not being able to get jobs to sustain us as we previously did due to our age. The tenants were protected by eviction ( rental ) moratoriums and now that they have left, we are left owing their arrears. We have a lot of equity in the house and want to hold it for another 3 to 5 years at least. Therefore we have requested Selene Finance to work with us on an affordable loan modification and they are not dropping the rate from a investment account to a primary owned property. 

For the last 3 to 6 months, we have requested Selene Finance for a loan modification that will help us retain the house by 1. Deferring the arrears to the back of the loan 2. To drop the current rate of 5.85 % ( investment home rate ) to around 2.5 % ( more in line with a primary home rate ) 3. to spread the terms over 40 years to make it more affordable for us We have made this request a couple of times by increasing withdrawal from our retirement income. They have denied us the loan modification based on our income. I have requested to see what interest rate they have used to qualify us and deny us and what income we need to have. We have also requested the investors name and contact information and they have denied to furnish us with this information. We would like CFPB to get involved and have them work with us. 

We have appealed their denial before and we will be appealing their second denial as we submitted our second application based on numbers given to us by some kind souls at Selene trying to help us get a loan modification and they still denied us. 

Please help us with this process. Thank you. Your help is greatly appreciated.
Product: Credit card or prepaid card

Hello! 
I got XXXX credit card by Citibank, and one day I got e-mail, -I think its fraud, but its say something suspicious going on with my account, I log in online to my account- and see message need contact asap by phone- so I call, and I contact with customer service representative, this lady say will contact with me- to prove me is me, OK, I wait 2 days- nobody contact, call again and ask supervisor- again explain- and this lady also say-will contact with me,- and nothing happens. Now- I have credit card blocked any transections, and I have no idea- with who I suppose contact more????
Product: Credit card

On XX/XX/2019, I was invited to attend a presentation for a XXXX XXXX XXXX  I was told the presentation would last 1.5 hours, my family was kept there for 4.5 hours. 
The representative for XXXX XXXX convinced us to join their organization. They promised my children a trip to XXXX, us a trip to XXXX, a gift card to a restaurant and we we would be under no obligation and could cancel at anytime. We told the floor supervisor that we would not qualify for this we had too much debt. 

The floor manger took both our licenses and told us she would try to get us approved for for financing and left us in the lobby. She came back and told us, that my husband was approved for {$10000.00} and I was approved for {$6000.00}. We never applied for the credit cards, it was all done by someone there. We were in another room and had no input. I was not informed of the credit terms and did not know they had applied for credit with XXXX and affiliate of XXXX XXXX XXXX. XXXX XXXX lines is one of the stakeholders being sold in the package they offered us. At the end of the presentation when they ushered us into a room to sign a stack of 55 pages. During this time the closing agent XXXX XXXX was talking up the company and talking a mile a minute distracting us. However both my husband and I repeatedly asked him if we could cancel at any time, and we were assured that yes we could. We were given this assurance by the sales agent XXXX, the floor supervisor, and the closing agent. I wanted time to review the documents. All these people lied to us. 

When I tried to cancel 2 weeks later I was told that I could cancel the contract but would be held liable for the credit card expense. When I spoke with the credit card company that told me that if we did not pay our credit would be ruined. We began making payments while trying to get the contract cancelled. We had an attorney send a letter out to XXXX XXXX and they did not respond to us. I called and wrote to the director and a gentleman by the name of XXXX XXXX with no clear response. 

When COVID -19 impacted the world the credit card company raised the monthly payments. We could no longer make the payments for a product we did not receive. In reading the documents later I found out if I miss a payment for renewal, they have the right to void the membership. Even though XXXX XXXX collected {$160000.00}. We are currently being sued for a debt we did not willing and lawfully apply for, we have not received any good or services to date, one of the gifts promised had ever been received. As a consumer I need to find a legal resolution to this issue. 

Please help me find resolution to this issue.
Product: Checking or savings account

Tried seveveral times to resolve the problem only to be hung up on. Latest dateXXXX
Product: Money transfer, virtual currency, or money service

I complained that PAYPAL company illegally misappropriated user refunds and refused to return the original payment bank account! 

I received a prepayment refund of {$520.00} from XXXX on XX/XX/2021, transaction number : XXXX. After PayPal received the refund, it did not return my money to my original payment bank account, and sent a misleading email telling me that I received the refund from XXXX, but it was not very clear at the end that the refund did not arrive. Account. I did not find the bank account information until 3 days later, and entered the PAYPAL account to find that the money was still in the PAYPAL account and was illegally embezzled {$15.00} by PAYPAL. 

I immediately communicated through the PAYPAL website, but PAYPAL 's customer service found various excuses to refuse to refund my payment and part of the misappropriated money. When I pointed out that the reason for the misappropriation of the customers money and non-refundable was unfounded, the customer service said that the manager XXXX would reply to me. I gave 5 days to process it. XXXX only replied after 3 days that she would refund me {$15.00}, but still Refusal to refund to my original bank account. 

After I insisted that I had to refund {$520.00} to my original bank account, and told her that I needed to use this money to pay for the living expenses of my family, XXXX ignored my request and did not refund the illegally embezzled {$15.00}. 

As an international company, PayPal takes advantage of XXXX peoples inability to speak out through international social media, and it is shameful to use this blatant illegal and criminal behavior to infringe on the interests of XXXX users. It also disobeys the United States values of integrity. I hope you can help me. To preside over justice and severely punish PayPal, I will also request public support through social media.
Product: Mortgage

I applied for a Mortgage re-finance & a new XXXX  from US bank My original Mortgage was with XXXX XXXX for {$380000.00} US bank also provided me with XXXX  for {$100000.00} K I closed on both loans on XX/XX/2021 The current mortgage is {$390000.00} and a XXXX  for {$100000.00} On XX/XX/XXXX US bank closed my XXXX  and refused to investigate and told me I refinced and closed the XXXX. I went back to them to rectify the issue but US bank put a lean on my house and notify the credit bureau that I have debt of XXXX I am not sure if opening and closing accounts without the knowledge of consumers are something allowed banks to do I can provide all the information but as it stands today I feel it is a financial fraud committed by USbak. 

How can I get the help and report this issue Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is Unifin, a debt collector. We have an important message regarding your outstanding balance of {$5500.00}. If this is a mistake report it here : https : //t.unifininc.com/y/. 
XXXX Ref # XXXX Call us at XXXX or access our Self Service portal : https : //t.unifininc.com/V/. 
XXXX Reply STOP to opt-out. 


I opt-out but still received three more texts. 
Also blocked incoming #. XXXX. 
This message received XX/XX/year> @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, On XX/XX/XXXX I sent a letter to One Main financial explaining to them what laws they went against when it comes to my consumer report. It is nowXX/XX/XXXXwhich is way over the 30 day mark and I still have not heard anything back from One main financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were previously reporting on my Equifax report and now they are not. 

1 ) XXXX XXXX Acct # XXXX ( Authorized User ) 2 ) XXXX Acct # XXXX ( Authorized User ) I am in the process of purchasing a home and by these accounts not reporting ( it was removed and stopped reporting ) by Equifax it lowered my scores significantly. 

I am purchasing a home and need these accounts to go back to how it was and report on my credit report!
Product: Credit card

I received the monthly statement in the mail from my XXXX company which was informing me of new and increased APRs applicable to my account. In the general section i noticed a new line for a {$50.00} charge for an annual fee. I have held this XXXX account for more than a decade at this point and never had an annual fee associated with it. The no annual fee feature of the XXXX is why i opened the account in the first place. Upon calling the customer service line, the rep who picked up tried to convince me that this annual fee had been applied to my account since the account was opened, more than a decade ago. I disouted this claim and asked for the entire annual statement for the full prior calendar year to verify expenses. Upon pulling up the information, the rep adimited the fee had no been charged the prior year. At this point i asked to be transfered to a supervizor. After a hold, the rep returned to the line and offered to change my XXXX  to a different type of XXXX which does not incur an annual fee. I declined. He offered to close my account. I declined. I was then transferred to the supervisor. The supervisor told me there is nothing he can do. After pressing him, he offered to apply a {$50.00} credit my account ( same amount as the annual fee i had been charged ) and advised me to call back during the next billing cycle to switch to a differnt account type which does not incur an annual fee. I still wanted to know when/why/how i started incurring an annual fee. He explained that my account type was discontinued and i was automatically switched to this account type and that i was informed via mail when i received my current card, several months ago. This is false. I never received a new card on this account. I have a recurring, monthly charge on this account and i did not have to update it in years. Also, the current XXXX  in my possesion has an expiration date within the next 18 months. This service rep is trying to convince me they sent me a XXXX with a 2 year expiration date??!! They are blatantly lying. In addition i do not recall receiving infomation pertaining to these changes in the mail. My consent regarding these changes was never requested or granted. I requested a copy of the original mail package sent to me and i have not received it yet.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Complaint against Carrington Mortgage Services Our complaints : a ) Lack of due diligence in updating our insurance information ; b ) Erroneous Report of our paperwork ; c ) harassment in collecting an invalid debt. 
d ) Violation of Consumer Fair Lending Act.

Timeline : Lack of due diligence to update our insurance information that lead to erroneous credit reporting and harassment in an attempt to collect a debt that is not valid. We paid our mortgage payment every month on time, never failed once or being late once and there has never been a gap. Evidence available upon request. 

Carrington failed o update our insurance information on four particular occasions : XXXX ) XX/XX/year> : XXXX  XXXX XXXX notification when our insurance was issued. 
we purchased insurance from XXXX  XXXX XXXX. Evidence available upon request. XXXX  XXXX XXXX, as a routine of doing business, automatically mailed a copy of our insurance information to mortgage companies. 

XXXX ) XX/XX/year> : My Phone Call My phone call I placed on, informing them that we have purchased our policy and our insurance agent information at XXXX for verification if they wished to. 

XXXX ) XX/XX/year> mailed information a Copy of the declaration was mailed to XXXX Mortgage Services LLC at XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) XX/XX/year> : faxed information Our insurance information was faxed from XXXX ( receipts available ) to Carrington at XXXX XXXX. 

None of these efforts were paid attention by Carrington. Our paperwork was not updated, two months after our mailed copy and 10 days after our faxed copy. 

XXXX ) XX/XX/year> I received a call at XXXX from Carrington when I personally spoke to an agent who still attempts to ask us to buy an insurance. I had informed him above facts and ask them to update our information. I was promised that they will. 

XXXX ) During this period, there were numerous calls in an attempt to ask us to buy insurance and pay the premium of the insurance Carrington purchased on our behalf.

During one call, I was told : it was the system that prompted us to call you. There is no human decision behind this. 

XXXX ) XX/XX/year>. They still did not update our information and a delinquent payment was reported to credit agencies. 

XXXX ) XX/XX/year>. They still attempted to collect a debt that incurred due to Carringtons failure to update their system with our update information. 

It seems nobody in this company cared about updating information in their systems. All they care, is to call us and ask us to pay for something that was not legitimate to incur to begin with. 

All evidence is available upon request.
Product: Credit card or prepaid card

This citibank is a fraud bank and just trying to grab money from me. I always cooperated with their investigations. I never received any calls from Citibank regarding investigations. Citibank is just trying to put mud on this situation by pulling up two previous small charges disputes for which they gave me complete credits. One was from XXXX for napkins for {$12.00} and the other one from XXXX XXXX for {$45.00}. When I bought the napkins from XXXX for {$12.00} and I came out of the store, there were no napkins in the Bag and when I went back the store refused to provide me with napkins. 

Same thing with XXXX XXXX, when I went to the restaurant to pick up the food, they made me sign on the receipt and when I came out of the store, there was no food in the bag. When I received the XXXX anywhere Visa card it was mentioned in the disclosures that I will not be liable for the merchandise I haven't received and fraudulent transactions. Citibank is just trying to shrug of its shoulders. XXXX XXXX didn't even call me from the Executive Response Unit Department. The Citibank company didn't show me any proof that I made the purchase at XXXX. 

And what is the relationship between XXXX, XXXX XXXX transaction and the XXXX transaction? They also failed in telling me that I need someone to call me from Citibank at my phone number provided and ask any questions they have. I never received any call from citibank asking me any questions, they never did any kind of investigations and just making false stories to make money. 

I checked the Citibank Credit Card website and they blocked my Number themselves. When I went to change it, it stated that I can not change it and I need to call customer care. Its been one hour and I am still waiting for any customer care person to help me out. this Credit card company XXXX.
Product: Credit reporting or other personal consumer reports

Theirs is a Kohls/Capital One credit card on my credit report that is not mine. The card is now delinquent and causing my credit score to drop. I have petitioned it several times through XXXX. XXXX has closed my disputes claiming to have reached out to Kohls/Capital One who verified that the account was correct. Every time I have reached out to Kohls/Capital One, they claim that they cant find my account using my name, SSN, or phone number. My credit report shows the address associated with the account, but Kohls/Capital One says they can not search using an address. This account is fraudulent and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.
Product: Payday loan, title loan, or personal loan

I have a loan with World Finance, located in XXXX, Ga, I stop making the pymts due to a issue that came up and I thought my only option was to file a XXXX  XXXX, consulted XXXX and XXXX and was actually working with them to file this XXXX  XXXX and one of the things you have to do is take a online line class that discusses budget, making arrangements and possibly settling account with creditor, so after my last conversation with XXXX and XXXX  I advised them that I would like to speak with my creditor to see if I can work anything out with them, I spoke to all my creditors and have work out payment plans, I contracted World Finance on XX/XX/22, spoke to the branch manager XXXX XXXX XXXX and advised her that I am in a position to pay them and I would like to resume making my payments on XX/XX/22, she stated she couldn't do that since I had renewed my loan with her company and no payments had been made since the renewal, advised her ok and I guess I will see her in court, prior to me not being able to pay I paid this loan on time and was never 30 days past due, I would like to be given the opportunity to pay this loan All call made in my office are recorded because i work for a finance company and XXXX XXXX is aware of this, please advise
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. CAPITAL ONE BANK USA N XXXX Opened XX/XX/XXXX Balance {$0.00} ; 2. CAPITAL ONE BANK USA N XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Product: Debt collection

Jefferson Capital System is appearing on all ( XXXX ) of my credit reports. I have not, even to this day received an itemization of the said service or items I am being charged for. Jefferson Capital System is stating derogatory on my credit report for the amount of : {$1300.00} dated XX/XX/XXXX. I have disputed this item a total of 4 times, only for the response to be reporting as accurate. I have asked for verification of these charges including a signed and dated agreement, as this is not something I have received as of today, XX/XX/XXXX. This is not acceptable as my credit score has declined for something I do not have any information about. I have sent another dispute today using XXXX XXXX and XXXX XXXX websites in hopes to have a positive response and receive clarification and proof of charges. I have requested to have this item Deleted from all ( XXXX ) of my credit reports.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL , LLC for committing identity theft. I have never given SPRING OAKS CAPITAL, LLCany permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from SPRING OAKS CAPITAL , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL , LLC continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.