23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We are the sellers of this residential property : XXXX XXXX XXXX, XXXX XXXX, OH XXXX. The buyers, XXXX and XXXX XXXX, scheduled a private showing of the property within the first 72 hours it was on the market. They immediately made an offer on the property through their agent, XXXX XXXX with XXXX XXXX. Our realtors, XXXX and XXXX XXXX, presented their offer, including a pre-approval letter from XXXX XXXX ( XXXX XXXX ) with XXXX XXXX XXXX. Neither Ms. XXXX, nor Mr. XXXX, indicated that their pre-approval for an FHA loan was contingent upon the sale and closing of the XXXX ' current property. We asked our realtors if this was a contingent offer and they assured us it was not, as the information was not included in the pre-approval letter from Ms. XXXX. We accepted their offer on XX/XX/2019 ( the pre-approval letter was also dated XX/XX/2019 ). Our property was off the market for 6 weeks as we awaited closing on XX/XX/2019 ( title to be filed XX/XX/2019 ). The property did not close as the XXXX ' property failed to close and they could not have 2 concurrent FHA loans. The buyers requested an extension of the contract and we countered with a request for our expenses on that property to be paid and earnest money to be relinquished to us on the extension date of XX/XX/2019. The buyers refused. We declined to extend the contract which would extend our risk of not closing on the property for another 4 weeks. Our realtors contacted Ms. XXXX on or about XX/XX/XXXX to find out what happened with their pre-approval. At that time, Ms. XXXX admitted that the XXXX ' loan was in fact contingent on the closing of their current property, but, she said, they anticipated the property would close ; however, that transaction never occurred and Ms. XXXX 's assumption and lack of transparency cost us valuable time to market our home to more qualified buyers. A second correspondence from Ms. XXXX, via email to our realtors on XX/XX/2019, was a rambling dismissal of her culpability, denying she falsified their pre-approval letter. We were deceived, tricked, and defrauded of the opportunity to make a fully-informed decision on the sale of our property by MsXXXX XXXX. This unethical practice cost us 6 weeks of marketing our property for sale to a qualified buyer.
Product: Debt collection

XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. 
Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, within 5 days.
Product: Credit card or prepaid card

I have over {$1300.00} from discover opened in my name. I also one from XX/XX/XXXX opened 3 months from the other one being closed for likeXX/XX/XXXX and 2 more fromXX/XX/XXXX. and now I have a " serious deliquency '' on my report that should not be on there and I have been fighting this for almost 3 years.
Product: Mortgage

To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX due to their failure to comply with loan transfer notification requirements, lack of transparency, and the imposition of an excessive prepayment penalty. Below, I detail the key issues : Background Information Original Loan Agreement : My mortgage loan originated with XXXX  under terms that stipulated : Prepayment or property sale between the XXXX and XXXX month would incur a penalty of XXXX % of the original loan amount. 
No provisions allowed for penalties exceeding this threshold during the specified time frame. 
Loan Transfer Notification Failure : On XX/XX/year>, my loan was transferred to XXXX XXXX XXXX XXXX XXXX without my knowledge or consent. 
I never received a formal notification or documentation regarding this transfer, nor did I receive the lenders contact information, as required under XXXX XXXX XXXX XXXX XXXX XXXX of RESPA. 
Prepayment Penalty Dispute : Despite XXXX months of on-time payments, I was informed by the loan servicer of a {$12000.00} prepayment penalty as I prepared to sell my property. 
This penalty is inconsistent with my original loan terms and unjustified, given my agreement with XXXX. 
Lack of Transparency from the Loan Servicer : The servicer has refused to provide direct contact information for the lender, XXXX XXXX XXXX XXXX XXXX obstructing my ability to resolve the issue directly. 
Legal Basis for the Complaint Violation of Loan Transfer Notification Requirements : XXXX XXXX XXXX XXXX XXXX  failed to notify me of the loan transfer as required under XXXX XXXX XXXX XXXX XXXX XXXX depriving me of the ability to address issues with the lender. 
Unfair or Deceptive Practice : The imposition of an excessive prepayment penalty constitutes a violation of consumer protection laws under the XXXX XXXX, as it deviates from the original loan terms and lacks transparency. 
Servicers Failure to Ensure Transparency : The loan servicer violated XXXX XXXX XXXX  by failing to facilitate communication between me and the lender. 
Requested Relief Investigation : I request that the CFPB investigate XXXX XXXX XXXX XXXX XXXX for violations of RESPA and other applicable federal regulations. 
Access to Lender Information : I seek assistance in obtaining the lenders direct contact information to resolve this matter. 
Resolution of Prepayment Penalty : I request that the {$12000.00} prepayment penalty be waived or adjusted to align with the original agreements terms. 
This matter is urgent as I am preparing to enter XXXX XXXX XXXX  and require timely resolution. I look forward to your assistance in protecting my rights as a borrower. 

Thank you for your time and support. 

Sincerely,
Product: Debt collection

XX/XX/2021, my job sent me a letter stating an attorney office by the name of Roosen Varchetti & Olivi was garnishing {$1200.00} from my check. I have no knowledge of this debt. I researched and called the office but I was repeatedly hung up after explaining my issue. They are located in Michigan at XXXX XXXX XXXX in XXXX XXXX, zip code XXXX. Phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My existing home loan was sold to XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX XXXX in XX/XX/2023. They are not reporting loan payments to the credit reporting agencies. When asked why they stated that they needed a " reaffirmation statement '' from a prior bankruptcy. I forwarded this to them however they state that it is insufficient.
Product: Debt collection

I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

I Have been Victim of XXXX XXXX / identity theft accounts were open without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like you to remove negative information from my credit report that isn't mine. I have filed an Identity Theft Report, which I have included to this letter, saying that these accounts are not mine and that my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!
Product: Checking or savings account

On XX/XX/2020 I have opened Citi Bank account package by phone. It had an offer of giving {$500.00} signup bonus in case of depositing XXXX dollars within 30 days and maintaining money during 60 days ( {$400.00} bonus ), and also for direct deposit each months during two months ( {$100.00} bonus ). 

I correctly spelled my name and other credentials but Citi representative had made mistakes 1 ) In my 1st name he made mistakes in two ( 2 ) letters 2 ) In my email adding " f '' to my email address before @, so I could not receive important information I have discovered error 1 ) in the package of documents which Citi had sent to me shortly after account opening. As it was requested I had sent by mail W9 form, copy of my ID and signature card. This information was received by CitiBank as it was confirmed today ( XX/XX/XXXX ). When I found problem with my 1st name I immediately contacted Citi to fix the error, however it took few weeks to do so. I made direct deposit to my new Citi account and deposited {$15000.00} in proper time range to be qualified for bonus. 

During usage of my account I had found that it is blocked for any outcoming debits. I had not received any warning from Citi by mail or email about that. Spending several hours on phone I managed to find out that Citi needs copy of my ID and SSN to verify account. As it was sensitive information I requested Citi Bank to provide XXXX   form so I could upload my documents, however, I had never received this form to my email. After waiting hours on a phone me and Citi representative figured out that email in the Citi system was wrong. It was written incorrectly by Citi representative who opened account by phone for me. As a result today I was informed by Citi representative, whom I called to ask again about XXXX  form that Citi had not received my SSN and ID and going to close the account and return deposit by check. I do not agree with that, I have all the phone recordings with Citi representatives to prove that it was not my fault and Citi bank representatives also admitted this in phone conversations and apologized to me about that but were not able to help to keep my account package. I am old time Citi client, currently I have Citi bank credit card in same online banking as contains checking and saving Citi accounts.
Product: Credit card

Last two months I had suffered from a major health crisis that it impacted my heath and mental stress levels, the doctor advised time off, to avoid further stress complications. I recently checked on my account and both of my credit cards closed. 
However my XXXX XXXX credit card was up-to-date and current, and as a payment of {$350.00} was made on XX/XX/XXXX, XXXX and I called in XX/XX/XXXX to confirm if my account was accurate, however, someone transferred my call to someone in XXXX, XXXX, and I asked the CSR what had happened to my account and explained if my account was closed or active. He said he could not provide information but that he would send a letter.with explanation, He nor any of the other CSR could not tell me what was going on with my account. I received a letter the next day email saying I had closed my account. which is inaccurate and false. Citi has not provided me an accurate account to what has taken place and misleading information.given and reported by them to my credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX on numerous occasions submitted updates to my credit report on date XXXX XXXX report # XXXX XXXX XXXX report # XXXX and on XXXX XXXXXXXX  report # XXXX after an dispute has been filed for incorrect Information on credit report.Under 15 u.s.c 1681 B of the Fair Credit Reporting Act this is for Permissible Purpose.
Product: Debt collection

I received a copy of a lease from a collection agency., claiming I owe a balance. After reading the lease carefully, I noticed I have never lived at the address on the lease sent by debt collector. I have sent several copies of my previous address along with identification, to XXXX and IQ DATA for dispute. But to no avail because they insist it's accurate and verified. I know both agencies work with one another but this is not fair to me as a consumer. What else can I do, after I sent proof numerous times that I've never lived at that address? XXXX has all my addresses on file with credit report, none match address on collector 's lease and continues to reject my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and i try calling Paypal many time but they are not picking up, I received XXXX EUR from a friend and the funds is on hold, So i chatted Paypal up on there message center, they limited my account telling me that the funds will be on hold for 180 days, and i can't wait long. Please help me so that Paypal will release my funds. 

My Paypal email XXXX My Transaction ID : XXXX Sender Transaction ID : XXXX
Product: Mortgage

my complaint is because Specialized Loan Servicing has not evaluated fairly my financial setback due to the pandemic situation. 
Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, Loan I am currently 8 months behind and they are playing games. 
They are reporting me late on my credit report even though there is a local law here in XXXX XXXX about evictions and foreclosures. 
they approved me for a short sale on XX/XX/2021 even though they know I want to remain in the home. 
I tried to pay 4 monthly payments over the phone to catch up and they refused the payment claiming that my file is " under foreclosure " If I make 4 payments then I should be given an opportunity to work this loan out with them and for them not to be so drastic on my situation. 
I can not sell the home at this time and i want to keep my house. Please help me figure this out with them. 
Thank you. They can be reached at XXXX
Product: Mortgage

For more than 6 months, I have been attempting to obtain information from the mortgage servicer, Nationstar, to confirm whether all charges to the account are justified. I have received the same responses, over and over, without anyone ever actually taking the time to answer my very specific questions. I am attaching just their last letter to me, and my most current response. I have correspondence going back to XXXX of 2014, but the most recent letters will give you a flavor of what is happening. They refuse to justify legal expenses, inspections ( some of which are on the same day or just days apart ), alleged repairs to my property, and other items. They say that the information requested " does not pertain directly to servicing of the loan, does not identify any specific servicing errors, and/or is considered proprietary and confidential. '' The entire process is intended to ascertain the actual amount due and the actual owner and holder of the note and mortgage so that I may initiate a short-sale. I will not initiate a short-sale until I know the amounts which will be demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including Experian, XXXX, and XXXX  ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX  Card XXXX XXXX XXXX XXXX DE XXXX
Product: Debt collection

" I am disputing the debt they are attempting to collect, as it is a result of identity theft. I have filed a report with law enforcement and have a case number. Please cease collection activities and provide me with the necessary information for your records. Thank you Unfortunately I dont have any account numbers but I can see a open balance with Jefferson Capital system for the amount of {$3900.00} from original account XXXX backed a few years ago in which the account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; 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
Product: Credit card or prepaid card

On XX/XX/2020 I received a phone call that a charge of {$4600.00} of had been made to my Discover Card ending in XXXX. I did not make this charge. Contacted Discover - requested cancellation of this charge and cancellation o card ending in XXXX - requested a new card. Checked my profile with Discover online - changes, unknown, to me had been made to my account. Corrected these changes. I was told this charge would be reviewed and I would be issued a new card. Rec 'd a new card ending in XXXX about 5 days later - {$4600.00} charge was still on the new card account. 
Contacted Discover - was told that they had rec 'd a call telling them that this charge was valid - I did not make a call stating this charge was valid. 
I have been receiving calls from Discover every week to 10 days requesting payment. I have denied payment. They recommended I file a report with my local law enforcement agency - My XXXX address is outside of the city limits so I am filing with the XXXX County Sheriffs Office..
Product: Credit card or prepaid card

I do have financial hardship paying my bills fees is not something that help me with my balance Cfpb should hard on credit cards and their redicilous fees
Product: Debt collection

For 3 years I've been telling this company that this account is not mine. I sent them a letter requesting an agreement contract, but haven't received and respond.
Product: Credit card or prepaid card

My Chase Sapphire XXXX was compromised ( twice in about a XXXX month period ). I received an email flagging a transaction and confirmed that the transaction was fraudulent. When I looked at my account, I discovered additional unauthorized charges and that, as part of the compromise, XXXX points were fraudulently redeemed from my account. 
When I spoke to a Chase rep on XX/XX/XXXX, I was told that the points would be restored in XXXX to XXXX that all charges would be removed. The charges were removed but the points have not been restored. I also requested a new card which I have still not received. 

I would like assistance is having my points restored, and in canceling this card, and receiving a refund of my annual fee. Chase apparently has a security issue that they do not care to remedy, and their customer service is unresponsive, and either untruthful or incompetent. 

Thank you for your assistance.
Product: Mortgage

Mortage company will not stop ignoring me. 
Was forced into a bankrupcty that should never have happened in XXXX due to false billing. 
They refuse to answer any and all questions relating to the bankruptcy. But I am not calling to discuss the bankruptcy. 

I want to know why they refuse to pay my property insurance. It is incluoded in the monthly mortage payments. 

My home insurance defaulted and I had to pay it out of pocket. I cant ask them why since they refuse to answer any questions saying I need a 3rd party lawyer to contact them. 

Again I am not calling them in regards to the bankruptcy and they keep hiding behind that excuse. 
I am calling about the mortgage. 

The bankruptcy lawyers do nothing or s ay they dont believe me. 

I have the phone calls on recording leading up to my insuarnce being defualted due to the mortgage lender. 

Been ignoring me on this situation since XX/XX/XXXX. 

This is one of dozens of examples of harrassment Ive had to go through due to the mortageg lender either lying about information or simply black listing me and refusing to answer any questions due to there own actions, Mortage company also stated they can remove any money owed to me every 90 to 60 days. 
Why would they even say that? 
Its there responsiblility to pay the home insurance. 

They are trying to sabotage my home loan. 

The forced bankruptcy was due to them lying as well and false billing me.
Product: Mortgage

Hi, Our property taxes were reduced by the tax assessors office this XX/XX/XXXXand are impounded by our lender. Once the board repealed our increase and lowered our property taxes I called the lenders. One reacted within 2 weeks sending a check and reducing our monthly payment. However ArcHome loans after promising to send {$1700.00} on XX/XX/XXXXstill has not performed. I just called again for the 6th time and was told another check from the county has been received and it's being held in escrow. I've asked for our money to be sent priority and they are refusing. Making more empty promises. Our mortgage was finally reduced after over 3 months. I've spoken to managers XXXX and XXXX and nothing. I've emailed all documents and they continue to get refunds from the tax assessor for our money. Please help!