23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON wrote a letter according to 15 USC 1692g to inform Nationstar/Mr. Cooper, an organization, that I was disputing and requesting Validation for an alleged debt. I also informed Nationstar/Mr. Cooper, an organization, that If they reported any invalidated information to the 3 major credit -reporting agencies ( XXXX, XXXX and XXXX XXXX that their actions may constitute fraud under federal and state laws. 

I also wrote Nationstar/Mr. Cooper, an organization, a Cease and Desist according to 15 USC 1692c ( c ) informing Nationstar/Mr. Cooper that I was refusing to pay the alleged debt and to cease all forms of communication with me through any and all mediums. I informed Nationstar/Mr. Cooper that I, a CONSUMER, the original creditor was invoking my special remedy according to 15 USC 1692c ( c ) ( 2 ) demanding they XXXX out the balance of the account, grant me my property deed lien free, pay the attached invoice and to delete from all Consumer reports. I instructed them to provide me with the name and address of the alleged creditor, name of the alleged debtor, alleged account number, address of alleged debtor, amount of alleged debt, date the alleged debt became payable, date of original charge of delinquency, was the debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. 

I instructed Nationstar/Mr. Cooper, an organization, to attach the agreement that granted the collection agency the right to collect the alleged debt, the signed agreement debtor made with debt collector or other verifiable proof of contractual obligation to pay debt collector, any agreement that bears the signature of the debtor agreeing to pay creditor, all statements while account was open, have any insurance claims been made by any creditor regarding the account, have any judgments been obtained by any creditor regarding the account, and the name and address of the bonding agent for the debt collector. 

I informed Nationstar/Mr. Cooper, that they had 30 days to return the form I sent completed along with all requested information, assignments or other transfer agreements, which would establish their right to collect the alleged debt from the date of receipt of my letter. 

I informed Nationstar/Mr. Cooper that their claim could not and would not be considered if any portion of the form was not completed and returned with copies of all requested documents. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON sent the letter to Nationstar/Mr. Cooper, an organization, by way of U.S. Postal Service, CERTIFIED MAIL RECEIPT. 

XX/XX/2021 I, a CONSUMER, a NATURAL PERSON checked the USPS website to track the letter sent on XX/XX/2021 and saw that it was delivered XXXX, XXXX to XXXX XXXX TX XXXX I did not receive a CERTIFIED MAIL RECEIPT from Nationstar/Mr. Cooper notating it had been received by an agent of Nationstar/Mr. Cooper. 

Nationstar/Mr. Copper has not complied with the Cease and Desist and has continued to contact me through mail and other means, Violating 15USC 1692c ( c ).
Product: Debt collection

When I was not able to pay my student loans instead of working with my income the company offered forbearance of the loan. They never told me that the interest rates were higher or that there was going to be any interest charged to my loan. They said that it was only a temporary stoppage until I could start paying again, been paying my loans since 2004 and still owe on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my XXXX credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the accounts listed below and their removal from my credit file. I am requesting a thorough investigation of these matters and the removal of the listed accounts from my file within 30 days of receipt of this letter as required by FCRA. To assist with this process, I have enclosed a copy of my identification to prevent any delays in the investigation. Since you have everything you need to investigate this, I will not accept any stalling letter assuming that anyone besides myself have initiated this dispute. I am writing on behalf of myself and without any influence from unmentioned or unauthorized parties. Any response outside of a proper and full investigation into my claim may result in assumption of willful negligence. That may result in litigation. 
Thank you for your prompt attention to this matter. 
Accounts in Dispute : XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX o Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX o Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Bankruptcy Dismissed o Reference Number : XXXX Legal Basis for Dispute : Under 15 U.S.C. 1681i ( a ), I am entitled to dispute inaccuracies in my credit report and request an investigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the maximum possible accuracy of the information included in my file. 
Supporting Documents : I have included a copy of my government-issued ID, proof of address, and a copy of my XXXX credit report highlighting the disputed items. 
Requested Action : If the disputed accounts can not be verified as accurate, please remove them from my credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, provide written confirmation of the investigation results and any corrections made. 
Thank you for your prompt attention. I expect resolution within the required 30-day timeframe. 
Sincerely, XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Credit Report ]
Product: Mortgage

SPS is showing an incorrect principal balance and over charging me on monthly mortgage payment.
Product: Checking or savings account

On XX/XX/2021 at or around XXXX XXXX XXXX, I attempted to make a purchase in the amount of {$170.00} using my debit card. The charge was declined. I had more than ten XXXX XXXX XXXX times that amount in the account prior to making the purchase attempt. The bank XXXX XXXX XXXX aka Chime ] is never available via phone to speak to a live representative. Instead only chat is available. I raised my question to the virtual chat session and the person on the other end simply closed the chat session without explanation or solution. This is not the first time this has happened ; a near identical situation occurred about XXXX weeks ago. I gave up after numerous attempts at reaching someone. Furthermore, this incident occurring today, XX/XX/2021 is extremely troubling as I am currently in a XXXX XXXX, now, without access to my assets and no explanation whatsoever. Again, I do not have access to any other funds and the XXXX XXXX in this country is rather hostile, unaccommodating, and an outright obstacle.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} ; XXXX XXXX XXXX  Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I signed up for a new checking account after being referred to a promotion being offered by XXXX. The bank was offering a {$250.00} sign-up bonus after completing some qualifying activities. I completed those requirements but received no bonus. Customer service tells me this was only meant for residents of Kansas. However, at no point on the sign-up page did it mention that this promotion was only for residents of Kansas. I also have anecdotal evidence of a personal friend who received this bonus while a resident of Colorado. I believe this promotion was misleading or mislabeled and either way, should be rewarded.
Product: Credit card or prepaid card

Original fraudulent charge was on XX/XX/XXXX. I got an immediate notification in real time of the charge. It was from XXXX XXXX for {$1400.00}. I call Apple and Goldman Sachs ( its an AppleCard which goes through GS bank ), they change the card number immediately. While on the phone with them, the fraudster then tried to charge the same thing again, of course it was declined. I feel like it should have been dropped just based on this, but no, it is STILL ongoing 4 months later! 

I then contact XXXX XXXX, who direct me to contact my bank XXXX again XXXX, there is nothing they can do on their end apparently. Especially 4 months later now. I don't know why they couldn't just cancel the order and refund me, knowing it was a fraudulent charge. Since then I've talked to XXXX XXXX 3 to 4 times. I've tried to get the IP addresses of where the orders where made from. They informed me they can't provide that information, even though Goldman Sachs has stated on the phone that XXXX XXXX has provided the IP addresses to them. All I know is it was to a football game, the date of the game and the section of the seats. Thats all I have! 

Since then I sent them all the 'evidence ' I could find, including my conversation with seat geek, I have also done some digging and found that 95 % of fans in the crowd were cardboard cutouts, I also cross referenced the section and row in question, found a live stream of the game and attached screenshots.. I obviously wasn't there, so they can have fun trying to find me. I've talked to reps from GS for hours now, over the course of the 4 months, as well as convos with XXXX XXXX and Apple. 

It has now been disputed 4 times, I have never received the 'evidence ' GS says they have as to why they ruled in favor of the merchant other than a confirmation email. Well of course if the hackers got my CC number, they got my email, they are connected on the same account! So I'm not even sure how I'm supposed to defend myself. I'm not sure what real evidence they could have, as the charge is completely fraudulent, yet they never sent me any explanation. I'm not sure, but there should be laws against this. How can they not provide me what evidence they used in order to rule in favor of XXXX XXXX XXXX merchant )? Oh and the last time I spoke to GS, they said they have the XXXX address of the charge, yet they wouldn't tell me what it is. It's all very shady to me. 

The latest dispute was XX/XX/XXXX, and GS ruled in favor of the merchant a few days later. 
Now Goldman is telling me there is nothing they can do. I have reached out to Apple, and they now have a rep trying to help me. Thank god, as I don't know hat else I could do. I hope this all makes sense, please call me if you need clarification on anything!
Product: Checking or savings account

I was sent an offer to open a checking and savings account at TD Bank and earn up to a {$500.00} bonus if I made direct deposits of at least {$2500.00} within 60 days ( which I did ) and deposit at least {$20000.00} of new money into a new savings account within 20 days ( which I did ). 
I live 5 hours away from any of the banks offices and so the only way I could deposit the money was to send it to my checking account at this bank and then transfer it into the savings account. I called their customer service and explained that I could not directly transfer it to the saving account and they suggested this method was they way to do it. 
My bonus of {$500.00} has not been posted and the TD Bank said it would within 140 days of account opening. I opened the account on XX/XX/2021 and today has been 166 days. I have called three times and asked them for the money and they have yet respond. 
I feel they have violated the Unfair and Deceptive Acts and Practices ( UDAP regulation ) and refuse to follow through with their agreement
Product: Debt collection

On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a XXXX score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Product: Mortgage

On XX/XX/2019 my wife and I refinanced our home with Freedom Mortgage. As apart of the closing Freedom Mortgage withheld {$2200.00} as a Escrow Holdback for minor repairs required by Freedom Mortgage. We have made several attempts to retrieve this funds as the required repairs have been completed. Every attempt to resolve this matter with Freedom Mortgage as resulted in being transferred to several different departments with no willing our able to assist with resolving this issue. My Freedom Mortgage loan number is XXXX. I will attach below a copy of the Escrow agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Card date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  while checking my most recent credit report, I noticed 7 hard credit inquiries, One Main Personal Loan Companies XXXX One Main Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from Credit Control , LLC and the letter stated I have an balance due of {$1000.00} from XXXX XXXX XXXX. I contacted the company and asked what type of debt is this and the representative stated this was an XXXX XXXX account and I explained that I do n't have an account with XXXX XXXX but the representative insisted on telling me yes I do have an account and they ca n't sue me because the age of the debt but they can arrest me if its not paid within 30 days from the date of the letter. He could n't tell me when and where it was open but all he kept saying was the amount that was due and when was the last payment on the account which the letter stated XX/XX/XXXX and charged off on XX/XX/XXXX. The representative explained that he will do any and everything to get this debt resolved by any means. I asked what was his full name and may I speak with a supervisor he told me he was the supervisor and there is no one above him that I can talk to. So I explained I will report their company to the XXXX and CFPB. The representative stated that wont help my situation and hung up the phone immediately.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2018 - 30 days late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

I have my student loans through Sallie Mae/Navient. I work in a high needs district and after working 5 years requested a loan forgiveness which they denied. They told me my loan I was requesting to be forgiven was consolidated with one that was taken out before XXXX making it ineligible. I never requested a consolidation as I knew I would be requesting the load to be forgiven. They automatically consolidated it when I applied for a 2nd load to get my masters. I asked for documentation to show this and all they sent me was a single page with an electronic signature in my maiden name when at the time I took out the loan I was married. I have been paying on these loans since XXXX and still owe the amount practically the amount originally borrowed for my education. I've paid roughly 500.00 a month for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.
Product: Mortgage

At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. 
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.
Product: Checking or savings account

I have repeatedly attempted to close ALL of my accounts with Fifth Third, including filing a CFPB report after my grandparents, who are not associated with the account, received personal account information about my account. I am not sure why 5/3 is unable to close my accounts but I want ALL ACCOUNTS CLOSED. I submitted my initial request to close my account in XX/XX/2014 and they still are not closed. 

I feel as though 5/3 is fraudulently maintaining my account. There have been several requests for accounts to be closed and they will not close them. I'm really not sure what is going on or why 5/3 has maintained my accounts as opened.
Product: Mortgage

A few years back I refinanced my home. My business was doing badly. I went very quickly from a mortgage payment that was affordable when I purchased the home to one that was raised to unaffordable. The refinance ( XXXX XXXX ) company used up my equity to achieve their goal of forcing me into foreclosure. Not only did they get my home but they also got 100 % of my equity. I believe this was a company practice, planned and predatory. I believe this was predatory because of the systematic way the finances kept getting worse at an ever accelerating rate. There was no help coming from them to keep the mortgage going and my family in the home. We lived in our home for 17 years. We tried to sell our home for three years, but were not able to because we had to keep raising the price to satisfy what we owed to Ocwen Mortgage who kept raising their fee faster than any ability to stay even. We were essentially underwater and kept there. The amount of financial distress my family of XXXX has incurred is irreparable. My business is not capable of making the amount of the equity and home price that I believe Ocwen planned to take and took from us. The damage and anguish has affected my XXXX children, my spouse and myself in a most adverse and possibly tragic way.
Product: Money transfer, virtual currency, or money service

Unable to speak with a representative on the phone to refund money sent to person who is now deceased..
Product: Money transfer, virtual currency, or money service

PayPal is knowingly and willfully aiding and abetting one of its account-holders to perpetrate fraud and evade taxes. On XX/XX/XXXX, I formally notified PayPal ( Dispute Case ID : XXXX ) that one of its account holders named XXXX XXXX ( aka XXXX XXXX XXXX ), who's based in the XXXX XXXX, California and has an active criminal record, is operating an unregistered and unlicensed California limited liability company called XXXX  XXXX XXXX. I notified PayPal that this unauthorized XXXX is collecting donations and fees-for-service via both PayPal and the individual 's own website. The PayPal account link is https : //www.paypal.com/paypalme/XXXX  ( archived at https : XXXX ). And the link to XXXX  own website, which operates as yet another unauthorized business named XXXX XXXX XXXX, is https : XXXX ( archived at https : XXXX ). XXXX previously had another California business called XXXX XXXX XXXX XXXX, which is now in XXXX-Suspended status ( see https : XXXX ). That defunct business met its end when the City of XXXX XXXX sued XXXX on XX/XX/XXXX ( Case No. : XXXX ) for XXXX 's failure to pay more than {$50000.00} that XXXX owed to the City. The City prevailed, winning a default judgment against XXXX for {$57000.00} XXXX ( see https : XXXX [ case index ] and https : XXXX [ case documents ] ). 

In addition to notifying PayPal about the above, I also provided eight independent and credible pieces of documentary evidence proving XXXX was operating multiple unauthorized businesses, with one of those businesses operating on PayPal 's own website. Despite all this, on XX/XX/XXXX, PayPal notified me of its decision to decline my case. To my knowledge, PayPal continues to knowingly and willfully aid and abet XXXX, one of its account-holders, to perpetrate fraud and evade taxes.