23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was offered a short sale from the previous servicer XXXX XXXX  on XX/XX/XXXX in the amount of {$230000.00} The short sale was approved and ready to close by XX/XX/XXXX. 

The servicing of my loan changed to XXXX XXXX XXXX XXXX on XX/XX/XXXX and the new servicer failed to honor the previous servicers approval of a short sale. 

I resubmitted said package to the new servicer Shellpoint Mortgage Servicing on or around XX/XX/XXXX. 

However it appears that the servicer and their counsel were engaging in dual tracking in that while I was submitting documents to be approved for a short sale again by the new servicer Shellpoint, their counsel made an application for judgment and sale on or around XX/XX/XXXX. 

The servicer received judgment and sale on XX/XX/XXXX. I had been sent a notice of sale that my property is scheduled to go on sale on XX/XX/XXXX however at the time the sale date was scheduled I had not received a notice as to whether my new request for a short sale had been accepted or denied or an explanation as to why the previous short sale was not honored before the deadline to close expired. 

I petition the court to stop the sale which was granted and sent the servicer a qualified written request asking why the short sale from the previous servicer was revoked before the timeframe to close expired and also for the NPV analysis used to deny my shortsale in a letter dated XX/XX/XXXX which was sent to my mail on XX/XX/XXXX and received by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.
Product: Checking or savings account

In XXXX we cancelled all accounts at XXXX, location XXXX, OH. 

It took about 6 month to close the Credit-Card Account. We payed if off toatally. 

Account numer : XXXX The account are not visible at US-Bank onlinebanking anymore. 

But : still we get Uni-Statements wit a Begining Balance XX/XX/XXXX?? 
Statement period XX/XX/XXXX through XX/XX/XXXX?? 

US-Bankl charged an Overdraft Fee and refunded it - an Overdraft fee for an account which is not existing since 1 year??

That showes us, that US-Bank is still working with our accounts, because the Uni-Statement from??, arrived here at XX/XX/XXXX, showes an Ending-Balance of XXXX. 

We are desperated, we do not see a chance to stop this, we are no longer interested in working with US-Bank. 

The last statement came from this address : USBank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX WE MIGHT BE ABLE TO SEND THIS COMPLAINT, BUT WE ARE NOT ABLE TO LOG INTO OUR ACCOUNT BECAUSE YOU DO NOT ACCEPT NEIHER OUR USERNAME NOR OUR PASSWORD WE SENT SEVERAL EMAIL TO CFPB AKSING FOR HELP. not one of them was responed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX
Product: Credit card

Citibank Promotional Accounts Citibank provides credit cards for Sears, Home Depot probably many others. The Credit cards issued by Citibank can be store cards, that can be used only at the merchant only or a XXXX or XXXX that can be used everywhere. As part of the credit services, promotional accounts, i.e., " same as cash accounts '' is also provided. 
My understanding is that if a consumer has a promotional account and other charges on the credit card, consumer payments in excess of the minimum payment must be applied to the promotional balance first until it is paid off according to Federal Regulations. Citibank does not apply the excess amount to promotional accounts. Instead, Citibank uses some type of a hierarchy. 
If you cal them, they will tell you that the consumer can request the excess of minimum payment to apply to the promotional balance. 
Unless the consumer is aware, the consumer is going to get slapped with the high interest accrued towards the promotional balance. 
Citibank does not to disclose the consumer how they apply the excess of the minimum payment. 
In my case, I would have incurred an addition {$600.00} all the while I was making payments in excess of the minimum to pay off my promotional balance. When I called the Customer Service today XXXX XXXX/XXXX/17 XXXX, the representative told me about the convoluted hierarchy, which I do not understand. When I informed them that they are in violation of the Federal Law regarding credit card payment, the representative retroactively allocated my excess payments to the promotional balance and my promotional balance is paid off.
Product: Debt collection

I was XXXX for this credit card and Capital One is still listing on my credit file as they are collecting which is a violation of my rights. I have disputed this with not even a response. Please help this is not right.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account on XXXX XXXX and Have a balance of XXXX dollars. This marks the fourth instance where I have been forced to resolve issues related to my account, despite my consistent efforts to comply with all requested actions. 

Upon the request, I promptly uploaded the required documents such as my ID and linked a verified bank account and Visa card, all of which are legitimate and in good standing. However, following these uploads, my account was swiftly banned, which I find to be an unfair decision considering my status as a legitimate seller.

I urge to conduct a thorough and fair review of my PayPal account. As a legitimate seller, I believe I have adhered to all guidelines and requirements set forth by PayPal. I trust that you will rectify this situation promptly and restore access to my account. Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Paypal Reference ID : XXXX
Product: Credit card or prepaid card

I have been a loyal and long time customer of Capital One for years. The tools for my business were stolen and my financial situation turned upside overnight. It has taken me a long time to recover from that loss of income. 

Long story short. I entered into several payment arrangements over the last year to make sure I did not lose my credit card. Here I am thinking everything is getting back on track. They gave me the dates and amounts and I agreed. However when these amounts were given for example if I was only {$150.00} over my limit they would say {$400.00} was owing. I would always pay the arrangement until I was no longer in the red and back to under my credit limit. 

I JUST found out on XX/XX/2020 that all those payments I had been making the Capital One representatives were not calculating the statement generation date so even though I was making payments I was still falling behind because of the miscalculation. 

It was a Capital One representative that brought this to my attention. I only found out because I tried making a payment online and their system wouldnt let me. Do you want my payments or not? 

I am now below my credit limit so I should actually have available credit. Instead I found out they are saying I owe them {$460.00} by XX/XX/2020 ( the amounts I allegedly owe keep changing, one minute its {$330.00} then another its {$460.00} and then I still dont get my card back until there has been 3 months of on time payments. I made my payments and it was their representatives miscalculations and they refuse to admit their mistake and resolve the issue including releasing my card even though they admitted they have the power to do so right now. I even have screenshots showing no payment due. 

If any money was owing it would reflect on my unpaid balance and there is NO money owing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Hunter Warfield has failed  toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. Hunter Warfield has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my XXXX   credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of attachment titled " XXXX '' ) I am requesting that the account is deleted immediately
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently in XXXX of 2024 after receiving information as to my identity being compromised in a database breach by a company named XXXX, XXXX & XXXX which notice came to me in a letter from the Department Of Justice as to my personal information and my law enforcement background in very serious matter, and noticed a collection agency, The XXXX XXXX appearing on my credit report under collections. I immediately started a dispute on Equifax site with documents that this entity, alleged collection company does not belong to me and I have no knowledge of this. After filing this dispute, I also sent letters to this entity, The XXXX as to seek information as to the accuracy and transparency additional letter of cease and desist letters. These letters were sent certified mail and delivery confirmation on XX/XX/year>. The XXXX received these letters on XX/XX/year>. I have also filed a complaint with the Department of consumer affairs on XX/XX/year> complaint # XXXX against this alleged creditor The XXXX  and another agent of The Bureaus called XXXX XXXX XXXX who was also sending me letters in the mail, trying to collect on behalf of the XXXX  as well. This was happening while Ive sent a cease and desist letter to this company The XXXX  not to contact me but dismissed my request, violating my rights under the FCRA as to unlawful conduct, using an agent of there company to now harass, intimidate and continue this attack of collections while a official dispute is in progress. Using the consumer affairs on line complaint form was another way of showing proof that a discussion as to gathering evidence, and exchanging information between myself and this entity, The XXXX is resolving this issue to bring transparency and accountability fully visible. Meanwhile, credit reporting agencies have completed there. Investigation and have updated my credit report of removing This entity, The XXXX  from my credit reports. Now, Equifax suddenly reporting that this alleged collection company is mine after just recently, after a very full investigation of sending out letters for confirmation and gathering other relevant information, deleted this entity from my credit on XX/XX/year> with confirmation # XXXX. Now Equifax is unethically reporting the total opposite. I will use every government agency, including the FTC, the FCRA and my Local Attorney Generals Office to hold Equifax accountable and pending my request in this report to immediately remove this entity, The XXXX in my credit report under collections, if not immediately removed, I will seek legal counsel to formally file a civil complaint in XXXX Co XXXX XXXX, asking for court cost, legal fees and any financial damages the court deems appropriate. REMOVE This entity The XXXX from my credit report IMMEDIATELY!!
Product: Student loan

when I stopped school, I notified them that I was due for a unexpected major XXXX when this XXXX happened it took me from out of school and also XXXX me. I am still currently waiting on XXXX clearance, but Ive asked several times for forgiveness due to now being XXXX. Not working or having the funds. 
my goal was to finish school, but unfortunately it wont happen at this time. Is there anyway I can get help please
Product: Debt collection

First XXXX collection agency tried to falsely collect about a closed account and paid XXXX account. I've had the same phone # 20 years as I'm XXXX and use # for XXXX XXXX. If you have a bad account unpaid with cellular, they will refuse to " port forward " your # to new cellular company. Hence I have the same # 20 years, how did I get phone # released properly to new service? Because I paid all bills. XXXX admitted later this was 2 months after account was closed that a auto billing was generated and I should ignore it. When service was transferred, they said delay automatically generated bills sometimes occur. 
We ( CFPB ) justice fought XXXX XXXX for fraudulent representation, refusing to provide dated evidence of bills, any and all documents, and LOST! Then XXXX removed scam collection only to now fight XXXX collection agency it was sold to, repeating same scam! 
This is a telecom XXXX XXXX XXXX issue that was resolved by XXXX. Now 3 years later I'm fighting a XXXX collection agency on a {$40.00}. monthly cellular service. I worked my whole life to get great credit, mortgages, auto loans all paid in full, now a worthless scamming XXXX XXXX collection agency is destroying my credit for telecommunications services!!!! people need to go to prison!!! THIS WAS RESOLVED, READ PRIOR COMPLAINTS. XXXX and telecom phone services are not allowed to affect credit scores on people 's lives like mortgages!! I WANT THIS TO STOP!! Damages & penalties should be imposed on this XXXX XXXX agency AMSHER COLLECTION as they keep selling debts to new collection agencies after prior collections sell off. SCAM!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has not handled my disputes accurately and has been able to provide verification that this account belongs to me. This violates the Fair Debt Collection Practices Act and the FCRA. 15 U.S.C. 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports : * Accuracy CRAs must follow reasonable procedures to ensure the accuracy of consumer reports. * Reinvestigations CRAs must conduct reasonable reinvestigations of disputed information. 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) that governs consumer reporting agencies ( CRAs ) must handle inaccurate or unverifiable information in a consumer 's file : * Deletion or modification If the reinvestigation finds that the information is inaccurate, incomplete, or unverifiable, the CRA must promptly delete or modify the information in the consumer 's file. Please remove the following items from my credit report : XXXX XXXX XXXX XXXX
Product: Debt collection

Equifax is violating FCRA laws and my right to privacy. I was checking my credit repor and found there where two accounts listed that were not mine and when asked by these companys to validate this debt showing the original contract that I had with this companies. 

1. XXXX XXXX XXXX opened XX/XX/XXXX  in the Amount of {$3700.00} 2. XXXX XXXX open XXXX XXXX  in the amount of in the amount of {$450.00} Please have this company delete these accounts from my credit file as they are not my accounts and I do not have a contract with neither of these companies XXXX XXXX
Product: Credit card or prepaid card

I have a prepaid card with American Express BlueBird. On XX/XX/XXXX I made a payment to my XXXX XXXX credit card from this card in the amount of {$50.00}. Before the payment went through, we found out our XXXX XXXX card was compromised so we had to cancel the card and were assigned a new credit card number for that account. Because of this, that {$50.00} payment I made from my Bluebird American Express card never went through but was still deducted from my account, and is just in limbo now for almost a month. I've attempted to contact Bluebird American Express multiple times with no resolution. I asked them to cancel that payment and return those funds to my account but they said they can't cancel it. I also asked if I could then give them the new credit card number for where those funds were supposed to go but they said they can't update that either. Now, because they are giving me no options to get my payments to go through to make payments on that credit card, I will be accruing late fees on that account. They finally " filed a dispute '' but said this could take some time. So now my hands are tied, they won't return the funds to me AND they won't give me any option to set up a new bill pay to make payments I need to on that account.