23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. 

This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.
Product: Bank account or service

I enquired at an ATM about my account balance, at TD Bank. I now see that I have been charged {$3.00} for the enquiry. There was no warning at the ATM machine that I would be charged. When I called TD Bank to complain the person who answered agreed that this is XXXX of their more obnoxious, non-transparent fees but he could not do anything about it. Can you look into this ludicrous fee and the lack of transparency. Thank you. The account is a TD Business Convenience Plus account, although I understand now from the bank that it applies to other banking products at TD Bank.
Product: Money transfer, virtual currency, or money service

On Friday the XXXXXXXX XXXX XXXXXXXX, i filed a complaint to Wells Fargo about a scam I was part of. I was looking around for a dog that I wanted and I found one on this website. The website is known as XXXX XXXX XXXX I had messaged this person asking for information about the dogs he was selling and he was asking me questions about my lifestyle and such. I had then agreed with him to purchase the dog and that would include airfare as well since the dog was not from my state. He sent me proof of his breeding license and his ID so I thought it couldnt be fake. I had also gotten proof of purchase as well with both of our signatures. I also received many pictures as well of the puppy. I then realized later that he had taken XXXX dollars and I was out money and a dog then had sent me to a transportation company that took more of my money adding up to a total scam of XXXX all together. The transportation company took XXXX for a thermal crate because on the day I had bought the dog, it was hot outside. The company for the transportation company is : XXXX XXXX XXXX I then asked for a refund from from wood transport and they wouldnt give it to me until the puppy showed up and they then tried to get more money from me for asking for another XXXX dollars for paperwork for the puppy and threatening me saying if I dont purchase this and that, they would report me to whoever. I then reached out to Wells Fargo right away and they then told me that the payment was processed as requested and no errors occurred. They never reached out to ask me more information about the scam when I had told the original person who I was talking to on the phone I had proof of everything. I had been waiting for them to call and email and I gotten nothing in return.
Product: Mortgage

I am selling the property as a short sale. The short sale approval took almost a year from the first lien holder but it was approved. The second lien holder could not be located. It was originally with XXXX, then the FDIC and lastly with XXXX XXXX. Called XXXX  and they said they closed down and sold their assets. They looked up the loan and said that this particular loan remained with the FDIC, even though XXXX currently still showed XXXX as the servicer. 

The FDIC said they do not have the loan and that XXXX had it. Upon contacting XXXX they said they do not service loans and are only acting in the capacity of a nominee for the servicer. After explaining the problem they said they can help provide a release of lien if it was with the FDIC at one point which this was. So I sent them what they requested. At this point the short sale approval had expired and the bank put a foreclosure sale. I didn't think that XXXX  was going to help and the first lien holder felt the same way so I thought I was just going to get foreclosed on because there was no way to find who the debt was owed to on the second mortgage. 

Then XXXX  responded and said they are recording a release this week. I immediately informed the first lien holder and they said that's great but they don't know if they can postpone the sale. They suggested filing for bankruptcy but that's not an option. I explained that only they can request a postponement and they said they would try. 

The sale is for tomorrow. The buyer is still willing and able to close in two weeks if the first mortgage can provide a new short sale approval, which they said they could. 

When all seemed like there was no way to avoid foreclosure now there is a way to close the sale and avoid foreclosure and I'd like to be able to do that. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX, account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.
Product: Mortgage

I disclosed the fact that I would only have 6 months of payments on a 2nd mortgage, actually a HELOC loan before I gave BETTER any money. I told Better 's front man, XXXX, that I wasn't interested in applying unless they could accept this. When he told me this wouldn't be a problem and that they wouldn't be as aggressive about collecting as much income paperwork ( tax returns ) as XXXX because my XXXX is only 59 % and my credit score is XXXX -- that there wouldn't be a problem When they started asking about an 11 year old bankruptcy that's no longer on any credit reports I said I was no longer interested banking with BETTER, but XXXX said he'd talked to underwriting about the 6 months of payments and the leaving the bankruptcy in the past -- as it's no longer on credit reports ( I made sure ) then he talked me into giving him XXXX for an appraisal. 

Now, nearly 2 months later after asking for every single document under the sun, about a career I've been in for 12 years, BETTER is saying they have denied my loan -- which will damage my credit score -- because of the 6 months worth of payments I disclosed UP FRONT USING THE EXCUSE that they found a default in XXXX -- WHICH Better admits in writing was prior to my XXXX bankruptcy. 

First of all -- I knew of no default, I made arrangements to pay XXXX ( the mortgage portion that went out of business ) before the bankruptcy then kept paying after the bankruptcy and continued to pay them through XXXX. And I've proved to BETTER I paid them through XXXX. 

How is it legal to deny credit over something that happened in XXXX. I'm reading that people have had FORECLOSURES go through and been able to get loans just fine in 10 years. That was 15 years ago. 

I want my money back or I want the loan approved.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am asking that you verify as accurate.
Product: Debt collection

A debt was added to my credit report, that I was unaware of in the amount of {$1500.00} acct # XXXX ( XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Product: Debt collection

over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on XXXX, experian. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Transunion on XX/XX/XXXX to file a dispute on my credit report for an item that is being reported longer than the allowed time. The representative opened the dispute and told me to I should have it investigated and removed within 30 days. Received a letter dated XX/XX/XXXX stating the dispute was resolved and my file is now updated with incorrect information. I called XX/XX/XXXX to verify who verified this information and who was reporting it. They stated the creditor, I explained I called the Bankruptcy court and they stated they do not report or confirm any information. I asked again where did they receive the incorrect information they are reporting to my credit report. She then offered to dispute the information again. I explained I've just disputed to have this item removed and they updated it with incorrect info. My bankruptcy was dismissed in XXXX and Transunion has updated my report stating it was discharged in XXXX which is not reported by the courts or my lawyer. I'm requesting this item to be removed due to Transunion reporting incorrect information that is hurting my credit score. According to the FCRA outdated and inaccurate information is to be removed from a consumer 's credit file. Transunion has broken the law twice.
Product: Debt collection

Received alert on credit report regarding debt. Requested validation of debt. Documentation received indicating that patient responsibility is zero. However included a letter stating that although itemized balance might be XXXX your total balance has been forwarded to our office and is listed below. How can I owe XXXX but they say I owe more?
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I had a Promotional Purchase from Home Depot for Refurbishing my bedrooms bathroom for {$10.00}, XXXX with no interest for 18 months. I had made total payments of {$5100.00} at the end of the promotional, which left a balance of {$480000.00} in XXXX XXXX  My problem is Home Depot is charging me the interest on the original purchase ( {$10000.00} ) instead on the current balance ( {$4800.00} ) as of XX/XX/. I have reached out to them on about 4 times trying to make a settlement, but each time, they have refused to settle.
Product: Debt collection

On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.
Product: Credit reporting or other personal consumer reports

I got a vehicle financed by WestLake Financial in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I lost my job due to the pandemic and I asked them ( WestLake ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me that he was tired of scammers XXXX that are trying to steal cars taking advantage of the pandemic situation, I explained that my payments were on time and he kept insulting me with unreapeatable words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 3 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Mortgage

Wrote to you all for years about these loan servicers..they refuse to give me the correct amount I owe and refuse to give me proof of what I owe. They doubled the amount I owe so I couldn't pay my loan off. They used deceptive practices so they wouldn't have to prove what I owe. I tried through 3 straight bankruptcys and still no justice. I had to let them for lose to get some proof of what I truly owe. Today istill have no proof of what I owe and they sold my home. I need some intervention from the cfpb to get to the bottom of this. This is theft.
Product: Mortgage

I started an application to refinance my mortgage with AmeriSave Mortgage about mid XX/XX/2023. My husband and I wanted to put an addition on our house. I was not able to come to an agreement with the builder we were working with so we did not move forward. I contacted my loan officer to close that application but I continue to receive multiple txt messages and emails regarding additional information needed to close my loan. I started responding nicely that I'm not moving forward with the loan and my file should be closed but I continued to receive txt and emails. At one point I responded that I would report them for harassment if they didn't stop contacting me. I still get txt message and emails every couple of days. I'm not sure if its actually coming from a person or if these are just being auto generated. My loan officer assured me my file was closed but the message just will not stop.
Product: Debt collection

My Mortgage Debt was discharged in XXXX. Since then I'm voluntarily paying the mortgage. I do want to keep my home. Since XXXX have not missed a single payment. Sometimes I send I paid after the XXXX of the month but always before the XXXX. XXXX was servicing my mortgage since XXXX and I never had any issues with them. 
Last year the servicing of my mortgage was transferred to SLS and my problems started. 
First I wasn't able to pay online, like I did before. They told me I wasn't allowed because I had filed for bankruptcy. I NEVER MISSED A PAYMENT since XXXX, but sometimes my check arrives at their office a few days after the XXXX of the month and they started to charge me late fees. I retired this year and I receive my pension every XXXX Wednesday of the month. I called to remind them my debt was discharged and that I was voluntarily paying my mortgage and they couldn't charge me late fees for a debt I legally don't own. They were rude to me, asked to speak to the manager but he didn't want to speak with me, and they told me the late fees would stay. I sent several emails, and sent also a copy of the Discharged papers I was supposed to send to all debtors. After I sent the Bankruptcy document, SLS have changed the wording in my statements. LATE FEES was changed into UNPAID FEES. I can prove, without a doubt I have not missed a single payment, so I don't have any unpaid fees. 
I put my house on the market and I asked for a Pay-Off Statement and they included late fees. I called them several times, sent many  emails but they are being unreasonable. It has been very stressful to deal with them. Recently I was able to make a payment on line but they have included late fees and I can't make the payment online unless I pay the amount they specify there which includes a LATE FEE. I have asked them to remove the late fee so I can pay online but they have not done it This month I paid over the phone because of the issues I'm having with them I didn't want my check to get there after the XXXX. they charged me a convenience fee {$12.00}. 
I really need this issue to be solved because once I sell my house I don't want to see late fees included in my pay-off amount, it is not right. 
I have a question - my mortgage is variable but since my bankruptcy, from XXXX to XXXX, XXXX made very little changes in my monthly payment. 
After it changed to SLS, they have increased my payment by around {$20.00} every 6 month and I want to know if they are allowed to do that. I know it was a variable rate mortgage but the debt was discharged and I understood that's why XXXX made very little changes to my monthly payment amount Please let me know if you can help me with this problem Thank you
Product: Credit reporting or other personal consumer reports

I sent letter of verification to this company in XXXX and requested a letter of sale from the company and I where I agreed for them to collect any debt from me, I also requested they send me proof of my identify to make sure I am the correct person who they are claiming to owe a debt with them along with a wet signature and they did not send me either of those things. I am asking for this to be removed from my credit at once
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 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 Balance : {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}
Product: Debt collection

I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.