23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX  ) received that letter with certified returned receipt on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Mortgage

Hello, I am reaching out to file a complaint about my mortgage servicing company MrCooper. Despite being the subject of multiple federal and state investigations, and having most-recently settled claims brought by the CFPB and the Attorney 's General of all 50 State, the company continues to engage in a number of unlawful and predatory practices. Specifically, my complaint refers to MrCooper 's : 1. Engaging in a number of unlawful mortgage handling practices. 
2. Failing to adhere to commonly acceptable industry standards of service. 
3. Failing to properly handle my loan modification requests. 
4. Failing to properly conduct an escrow analysis. 
5. Misrepresenting the loan modification options available to me. 
6. Improperly denying my application on multiple occasions. 
7. Failing to follow the investor 's ( XXXX XXXX ) guidelines for loan modification.

8. Structuring the modification in a manner that maximizes

MrCooper 's own financial gain, is predatory, and significantly harms the borrower, without properly addressing the fundamental needs and rules of modifying the loan as et forth by XXXX XXXX. 9. Engaging in unfair and deceptive mortgage servicing practices. 10. Failing to follow the detailed set of rules and " servicing standards '' set forth in the content judgment MrCooper 's reached with CFPB in 2020. 
11. Failing to have and enforce proper procedures in place.

12. Failing to properly investigate consumer complaints.

Over the course of many months, I have contacted MrCooper over 2 dozen times, attempting on multiple occasions to escalate and address the matters described above. Unfortunately, the company has failed to adequately respond. MrCooper 's unfair, predatory and illegal practices have caused me substantial financial harm and have greatly jeopardized the safety of my home.
Product: Payday loan, title loan, personal loan, or advance loan

I am submitting this formal complaint against OneMain Financial for engaging in unfair lending practices and imposing an excessive financial burden on me. I am an XXXX XXXX and XXXX veteran living on a very limited fixed income. When I initially secured a loan from OneMain Financial, my financial situation was significantly different, and I expected to repay the loan within three years. However, due to severe and unforeseen financial hardships, my circumstances changed drastically, now I am struggling to continue making payments as initially planned. 
The loan was for less than {$11000.00}. To date, I have made payments totaling over {$15000.00}, which exceeded the original principal amount I borrowed. Despite this, OneMain Financial insists that I still owe an additional {$5100.00}, bringing the total repayment amount to approximately {$20000.00}. This is an outrageous and exploitative lending practice that constitutes financial abuse of a vulnerable XXXX XXXX 
OneMain Financial holds lien on my only vehicle, which is essential for my well-being. This vehicle is used by my caretaker to transport me to my numerous medical appointments, and losing it would put my health and safety at severe risk. Given my physical condition and age, it is unjust and unconscionable for OneMain Financial to continue enforcing such an egregiously burdensome financial obligation, especially after I have already repaid more than I borrowed. 
I think Onemain practice, I think your office should launch a full investigation into OneMain Financials lending and collection practices, specifically in cases involving XXXX XXXX XXXX borrowers. Meanwhile Onemain should reconsideration of my remaining balance, with a debt forgiveness given the circumstances of my XXXX and age and cancel my contract and release the lien on my only vehicle, as it is a necessity for my medical needs. 
The manner in which OneMain Financial has handled my loan is not only unethical but may also violate state and federal consumer protection laws. I respectfully request that both the CFPB and the California Attorney Generals Office investigate this matter thoroughly and take appropriate action to hold OneMain Financial accountable for its predatory lending practices.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Transunion is reporting fraudulent / error accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX Bank {$660.00}, XXXX XXXX Bank {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an XXXX XXXX Credit Card. I have an credit card reporting to my account associated with an address I have never lived. I have disputed this claim numerous times with nth the card issuers and Transunion. The only address on my credit report is my XXXX, NY XXXX. Which is not the account address I've been told is associated with this card.
Product: Debt collection

I am XXXX XXXX and im submitting this complaint myself and there is no third party involved. This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you MONEYLION are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you MONEYLION used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to MONEYLION ; You MONEYLION shall also know that the term debt is defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You MONEYLION are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you MONEYLION is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX MO XXXX these address must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving Equifax and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit card

All year this bank has made it difficult for XXXX  veteran from pay, harassing calls, rude employees hanging up in my face, it is a constant battle and beyond frustrating to continue to have the same issues. 
in addition, when they issue a new card you lose all of your history they lock you out of the account and force you to create a new account. 

have this company to stop calling, email and stop blocking my card. If I see fraud I could report it I don't need a bank with bad practices and bad technology that prohibits customers from using a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute inquiries to Transunion LLC through a certified letter on XXXX XXXX. 
The letter was received certified mail on XXXX XXXX, I received a letter stating the the explanation of the inquires on my credit report. It stated the inquiries listed on my credit report are a record of the companies that obtained your credit information. It did not state an investigation was going to be made into the inquires even though my letter stated that I requested an investigation of the inquires. After a phone call I was told that there would be no investigation into the inquires. file number:XXXX
Product: Credit card

Kohl 's department store made an ad online for XXXX for {$79.00} and they are saying they cancelled everyone 's orders and did not honor them because they made a mistake, and they should have been {$790.00}. I have a confirmation number and they took the money out my account and now are saying I should receive my money back in a few days. So, they not only did not honor their ad they held up my money.
Product: Debt collection

I got a letter from XXXX XXXX XXXX in XX/XX/XXXX that my data was part of a data breach. In XX/XX/XXXX, I found a strange verizon acount in my credit history with a debt of around {$4000.00} claiming an account was opened in my name in XX/XX/XXXX which I never opened. It seems the account was opened in XXXX, TX while I live in XXXX, TX. I was out of XXXX from XX/XX/XXXX till XX/XX/XXXX. Once I knew, I filed a police report and FTC report ( Federal Trade Commission ). I supplied all this info to the credit bureaus and disputed the account in both XXXX and XXXX. The fraud account was removed in both. I reported fraud report in XXXXXXXX XXXX website as instructed. They never contacted me. This month, XXXX, XXXX XXXX XXXXXXXX- who identified themselves as debt collectors- called me regarding this fraud account and asked me to file a fraud claim with XXXX again and asked me to call them. I supplied the reports again to XXXX. I called XXXX and they asked me to go to the police and ask them to add in the report that I was a victim of Identity theft! That was very surprising! I would not tell the police how to do their work! They reported the fraud account again to XXXX so we are going in loops as I disputed again.
Product: Debt collection

I have told them previously to stop calling me my phone number is registered in the government do not call list
Product: Mortgage

We are selling our house in XXXX  to qualified veteran buyers who are assuming the loan. We started this process in XXXX XXXX XXXX. Our buyers had submitted all necessary documentation to Cross Country Mortgage for the loan. They signed the closing disclosures on XX/XX/XXXX and we were set to close before the initial closing date of XX/XX/XXXX. 

Over the holidays, we consistently called and spoke with people at XXXX  regularly and they assured us that they understood that we needed to close in XXXX because we are buying a house in XXXX 

On XX/XX/XXXX our title company had still not received any more information, so I called XXXX and they said that our loan had been sold. I said, " we are supposed to close today, what do you mean it has been sold? '' They couldn't give us any information because the new loan was not pulling up in their system until XX/XX/XXXX. 

We moved into the home we are purchasing in XXXX  with a short term rental agreement from XX/XX/XXXX through XX/XX/XXXX. Our sellers in XXXX  were kind enough to extend our rental through the end of XXXX so that we could close on the home in XXXX. I called and called XXXX and they never had any updates for us, they just said that they would put in a ticket to call us back. That never happened. 

I have filed two complaints with the XXXX  and XXXX replied that they understood that we needed to close in XXXX. 

It is now XX/XX/XXXX and if we do not close on the home in Virginia and the home in MN in XXXX, there will be two veteran families with children ( XXXX is XXXX XXXX ) who will be homeless. This is a very severe emergency and we are unable to reach anyone at XXXX who will help us. Apparently this happened to thousands of veteran families who were in the assumption process when XXXX sold the loans without allowing the assumptions to go through before changing the servicer.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Equifax added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XXXX/XXXX/XXXX and the loan officer informed me. The only information provided to the officer in their report was the claimed collection amount. The collection account did not include a collection agency name, it literally says N/A, it did not include contact information or any information regarding the account. Equifax made no attempt to validate the collection or collection agency information prior to adding it to my credit report. When I contacted Equifax, I was informed that my personal data was compromised in the XXXX XXXX data breach. The customer service representative I spoke to " strongly encouraged '' purchasing additional security monitoring from Equifax to avoid future fraudulent activity. When I declined, the representative informed me that there had been no validation attempts by Equifax, that it was most likely the result of the breach, but that nothing could be done and the collection would remain on my credit report for 7 years even if paid off. I informed the representative that I had attempted to request a credit report online and the system refused to allow me access to review the account for other signs of fraud. I also informed the representative that I had filed a dispute on XXXX/XXXX/XXXX and my credit report was not reflecting that the item was in dispute. The representative provided me with a confirmation number and informed me that I would possibly have a response in 30 days. I have attempted to check status on the dispute using the provided confirmation number and can not find any information on it. My loan officer advised me that my current credit report does not reflect said dispute. The collection agency information provided by Equifax does not include a phone number to request more information. The collection is a scam.
Product: Checking or savings account

I am writing to formally lodge a complaint against Santander Bank regarding their failure to fulfill a promised cash bonus related to their new account promotion. Below are the details pertinent to my complaint : Promotion Details : Promotion Code : XXXX Promotional Offer : {$400.00} cash bonus for opening a new Santander Select Checking account. 
Account Opening : Account opened on : XX/XX/XXXX I ensured to use the provided promotion code during the account opening process. 
Requirements Fulfilled : I made direct deposits totaling {$5000.00} or more within the first 90 days ( by XX/XX/XXXX ). 
I have kept my account open and in good standing for at least 90 days as stipulated. 
Despite meeting all the aforementioned conditions, I have not received the promised {$400.00} cash bonus, which, according to the promotion terms, should have been paid within 30 days after fulfilling the requirements. This is a clear breach of the promotional agreement provided by Santander Bank. 

Attached, you will find : A copy of the promotional offer details. 
Proof of account opening and usage. 
Documentation of the direct deposits made to the account. 
I kindly request that the CFPB intervene in this matter to ensure Santander Bank honors their promotional offer. This situation has caused me significant inconvenience and frustration, and I believe it is essential that Santander Bank is held accountable for their commitments. 

Here are the deposits from XXXX XXXX : Date Description Amount Balance XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$21000.00} {$21000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$2400.00} Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Money transfer, virtual currency, or money service

PayPAL on XX/XX/XXXX I purchased a pair of shoes from XXXX for XXXX on XX/XX/XXXX I returned them. On XX/XX/XXXX I tried to order another pair larger size same shoes different. size same price. Paypal will not let process transaction. I have {$1500.00}. available, the original purchase has been returned to paypal. pay [ al credit under syncrony bank says it has not issue, XXXX sys it is being stopped by processor. paypal says it is the computer.