23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally lodge a complaint against Mr. Cooper regarding the insufficient communication and support I have experienced from my assigned representative. Each time I have contacted the company, I have been informed that she is unavailable and currently on another call, despite the company 's documentation indicating that she is my dedicated point of contact. This persistent unavailability constitutes a failure to provide adequate service and support as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Real Estate Settlement Procedures Act ( RESPA ). 

As an elderly homeowner, the lack of responsiveness has caused significant distress and anxiety during a time when I am facing critical mortgage-related issues. Mr. Coopers failure to ensure that I can communicate with my assigned representative directly may be construed as a violation of consumer protection laws designed to provide transparent and effective communication. The FDCPA mandates that debt collectors communicate clearly and promptly with consumers, while RESPA requires mortgage servicers to respond to inquiries in a timely manner.

I believe that Mr. Coopers practices may amount to negligent handling of my account, which may impede my ability to resolve urgent matters regarding my mortgage. Therefore, I respectfully request that the CFPB conduct a thorough investigation into Mr. Coopers business practices concerning customer communication and service standards.

Thank you for your attention to this matter. I look forward to your prompt response regarding the steps you will take to address my concerns.
Product: Debt collection

I have told the company numerous times that are being unlawful by trying to collect on this debt yet they are on my credit report and the complaint I filed before their response was they have no record of me but they are on my credit report! I filed this dispute regarding another medical debt that is unlawful to bill for and the debt was removed for my credit, now their response is they don't have any information on me. That is correct this debt is a XXXX XXXX debt whose on XXXX and due to me being his parent is on my credit report. The credit report is as follows : AmeriCollect on behalf of XXXX XXXX XXXX XXXX : {$4300.00} Placed with agency : XXXX Acct Number : XXXX Address : XXXX XXXX XXXX XXXX, WI XXXX And tell me this is not on my credit report, and please do not close this investigation before i have a chance to rebut
Product: Credit card or prepaid card

XXXX XXXX - I attempted to purchase a rental vehicle for my trip in XXXX. I was charged {$180.00}. My trip was delayed and we were late in arriving. The company stated they were open until XXXX. Apparently they close at XXXX and our flight arrived at about XXXX. Tried to dispute Im with the company the day after we arrived since they were closed and disputed with Capital one the day of my return. Both have denied my requests for a refund. At first capital one reversed the charge as a courtesy during the review and on XX/XX/2021 a notice was sent that it will be recharged to my account as the dispute was denied. I am not sure as a consumer how I purchase a rental for 4 days and yet the day after my arrival, I am still unable to pick up a vehicle I had paid for.
Product: Credit card

Dear PayPal, I recently received XXXX mails regarding my dispute. XXXX indicates that my dispute has been resolved, while the other requests irrelevant information. Unlike my experiences with Amazon, my phone service provider, internet service provider, hosting service provider, and many other online service providers, PayPal has compelled me to pay and negatively impacted my credit history over an illegitimate charge. These providers have my card on file but have never charged me for hidden terms, and if an issue arose, they promptly provided a refund without damaging my credit. However, PayPals dispute team forced me to pay {$170.00} to XXXX, damaging my credit score and history in the process. Given that you claim my dispute is resolved, I request a refund of the {$170.00} that your dispute team awarded to XXXX. I also demand to know what measures PayPal has implemented to protect users from fraudulent companies like XXXX in the future. If you are requesting information on who charged my card, it was XXXX. What product or service did XXXX claim I bought or received? I sought to cancel this charge within XXXX minutes of noticing it, yet PayPal failed to prevent this fraudulent transaction. This issue has persisted for XXXX months. Return the {$170.00} to avoid further actions. I did not order any product or service from XXXX. I canceled and disabled my account within their cancellation and refund policy, but XXXX refused to refund me, and PayPal did not stop this fraudulent charge. Please, address this matter urgently and appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 a account without my written instructions
Product: Credit card or prepaid card

USDIRECTEXPRESS XXXX XXXX am XXXX XXXX, i called usdirectexpress to dispute fraud use on my card. i disputed them. they said, they would send me out dispute forms. they did not send dispute letters and said i had until Tuesday XX/XX/2022 to return it. tomorrow is XX/XX/2022. if it's not back in time XX/XX/2022 i get no relief from FRAUDENTLY ACTIVITY ON MY CARD. PRETTY MUCH I'M JUST SCREWED BECAUSE IT'S NOT BACK IN TIME, more than XXXX dollars i'm going to lose because they refuse to send me my dispute letters. is that criminal, allowing a federal recipient to be fraudulently taken advantage of, when they were told to have them bill me, no more because i don't go on dating sites and plus other non-authorized charges. I'm calling about fraud and the first thing i am asked is, what's your ss #. refuse to let me speak to a supervisor. XXXX and XXXX in disputes, XXXX XXXX, they say it's no other way to access my account ( DISPUTES ) and i know that not to be true. now I'm being lied to. As the police said, he never has to give his ss # to his bank when he calls. then they leave me on hold for over an hour AND A HALF, when they know time is of the essence, straight b.s'n. if they don't want to do their jobs correctly then why are they even employed, I'm confused. then they want to get upset because i'm upset due to their incompetence. never waited over an hour AND A HALF to speak to someone, so i see it as deliberate and malicious. and want to press a formal complaint against the dispute dept. namely, XXXX XXXX XXXX? ) AND XXXX AND XXXX, refuse to give last name but it's required i give them mine. YOU'RE NOT GON NA BE UPSET AT ME BECAUSE YOU FAILED TO DO YOUR JOB. I INCLUDED A PIUCTURE OF THE DELIBERATE WAIT TIME I HAD TO ENDURE AT INCOMPETENT PPL HANDS. 

XXXX XXXX -WANTS HIS MONEY BACK FROM BEING FRAUDED! THE LACK OF HELP MAKES THINK, NOT GOOD OF THEM MAYBE GET PPL THAT ACTUALLY WANT TO RESOLVE YOUR ISSUES AND THAT GIVE 2 XXXX  AS... WHILE PERFORMING THEIR JOB CORRECTLY. PICTURE OF DELIBERATE WAIT TIME ATTACHED : RELIEF SOUGHT : 6 MONTH PROBATIONARY PERIOD, NO-ONE SHOULD BE SUBJAGATED TO THIS FOOLISHNESS. I TOLD THEM THE BANKING TREASURER NEEDS TO KNOW HOW THEY TREAT, THE ALREADY SCAMMED. LAST DIGITS XXXX OF CARD ; TEL # XXXX ; I GUESS THEY CALL THEMSELVES BEING A SMART AS- 90 DAY PROBATION FOR THE CRIMINAL NEGLIGENCE UPDATE : AFTER WAITING AN XXXX HOUR AND XXXX MINUTES DAYSHAWN ANSWERS THE PHONE, I TALK TO HER ABOUT XXXX MINUTE AND SHE HANGS UP, WASN'T YELLING IN MY UPSET, I JUST GOT ROBBED VOICE. FIGURE THAT OUT XXXX TIME TALKING TO HER. XXXX MENTALITY... EASY TO COLLUDE AGAINST THE LESS FORTUNATE. NOW THEY NEED TO BE FIRED, FOR CAUSING DELIBERATE AND MALICIOUS FUDICIARY INJURY AGAINST A MEMBER OF A PROTECTED GROUP. OF COURSE, DONE WITH THE SUPERVISORS BLESSINGS, THEM TOO! 

XXXX BANKING XXXX XXXX : XXXX XXXX SEE ATTACHMENT
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 
When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 
You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A {$24.00} charge from Experian was ran on my debit card ( XX/XX/XXXX ) that I had with XXXX XXXX XXXX  in XXXX XXXXXXXX. I went in to the bank on XX/XX/XXXX and requested to file a claim on the charge as I did not authorize it. They told me they would cancel the card and issue a new one. I requested a refund at the time, and have called the bank several times since and have not gotten a response. I get transferred to different departments and asked to leave messages for employees that do not return the calls. If I authorized the charges they should at least show me proof of it. On XX/XX/XXXX I was charged again {$24.00} on the new card that the same institution issued after I had made them aware to not allow any other charges from Experian.
Product: Payday loan

On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!
Product: Student loan

My personal and financial information was compromised without my authorization by XXXX. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Checking or savings account

The bank reordered the posting of charges in my account which led to the draining of my savings with its overdraft protection program.I posted my payment for rent a big purchase on XX/XX/15 with the rental companys disclaimer of a day for processing the reordering of these charges caused almost {$400.00} to leaving my saving account which wouldve been unnecessary with the correct order of charges the banks restructuring of these charges caused me to lose these funds completely
Product: Checking or savings account

Regarding my company- XXXX XXXX XXXX XXXX XXXX Solely owned by myself since XXXX XXXX I was and am ONLY a

Union bank customer-At no time was I ever a US bank customer client. US bank has changed the terms of my current contract
with Union Bank. Including the interest rate, Payment, and the annual fee. I have investigated this thoroughly, They can also not change the annual fee from the original contract.

A BANK THAT ACQUIRES THE CONTRACT FROM ANOTHER BANK IS REQUIRED TO ABSORB THE OLD CONTRACT- So interest rates and terms will remain the same. I have tried intently to correct there error and have not been able to do so. I have included the original business line of credit contract from Union Bank. US bank has raised my interest rate to 10 % recently for no reason. I have Never had a late or missed payment payment with any bank or creditor

EVER. In my opinion this is Fraud and misrepresentation. US bank must adhere to the original contract i signed. I have included the response letter as well from US bank in the attachments as well. They are claiming they change my old contract terms and fess at will. Banks think they are ABOVE THE Law. That they can do what they please when it is another banks loan. Please help me to correct this error, thank you,
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX  account in XXXX that was a joint with my ex and it was indeed closed and charged off. The account that is still on my account shows XXXX which is indeed NOT mine was opened in Arizona using my information. I have never lived in AZ not ever been there until XXXX even to visit. I was able to confirm with XXXX XXXX XXXX  XX/XX/XXXX that this indeed is not my account. I have been trying for hate last two years to get it off, and none of the bureaus would do so. XXXX XXXX XXXX has given me a claim number as well for their files as well as for all credit bureaus to use so it may be removed immediately from my record as it is hurting my credit score. That claim number is as follows XXXX
Product: Credit reporting or other personal consumer reports

There was not way of method of verification on any account listed. I request : or delete 1. Chain of Title : on every account listed 2. Itemized account history of each account listed on report 3. Credit Entry
Product: Debt or credit management

Beyond Finance contacted me and offered me a government assisted debt relief program and I guess in the fine print somewhere they got their fees first but I end up ended up paying them {$700.00} before they ever made a {$35.00} payment and the debt shouldve been paid off, so they just linked in the amount of time I would have bad credit And I stop payment on them or they wouldve just kept going. They kept wanting payments. I was paying {$260.00} every two weeks to them and they were taking their fees right off the top and they had the doctor looking like I was paying that down, but I wasnt paying it down. I was paying their fees first so I tried to get my money back from them and they wouldnt give me my money back so they owe me over {$700.00}. Something should be done about it cause they pray upon people who need help in the first place and it brought me farther down, gon na take longer for me to crawl out of this because of them Its not right something should be done
Product: Mortgage

First this business should be shut down for illegal practices. They refused to take my payments, and changed the locks on my house and refused to allow anyone back in. We went to court when they refused my willingness to pay more than I owed to get this done. I paid them, and I was current. These XXXX  accepted my payments from then on. Now, I want to sell my house. I asked for the payoff, and these XXXX  added an additional {$11.00}, XXXX and call it " recoverable corporate advances ''. This has to be illegal!!! i refuse to pay them a dime more than actually owed which they show as {$67000.00} but is actually less. I have overpaid them for the last time. They have put me and my tenants through so much they should be paying me, and if this isn't corrected, I will sue and charge them my legal fees, emotional distress etc. PLEASE help me!! I don't want to lose this sale due to this " businesses '' hopefully unlawful, revolting greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am a victim of identity theft and fraud.I have applied for protection in the past and I have protection now. I have atleast six different policies all with insurance payoff none has paid. I have proven the inconsistency of the three bureaus reports and filed for the my fair credits rights act reimbursements.Also I have severe inquiries that are still on my report from 7 years ago and these inquiries has lasted and a few that are alleged to last two years. I applied for the my fair credits rights act in XXXX  but I have no results and I have not received any insurance for identity theft either.My documents are with the ftc I have identity theft and fraud proof but no reimbursement or insurance relief.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all covered me under there policy but none paid. And no fair credits rights reimbursement I applied for in XXXX my rights have been violated and I am suffering and sufffing just for a roof over my head. I am on Goverment assistance but the money dont even last 3 weeks when u have no home. And dozens of complaints with the CFPB and ftc and XXXX county police but no resolutions to identify theft fraud and abuse with the three credits bureaus I have illegal garnishment on my accounts with XXXX XXXX and illegal restrictions. There shouldnt be any others names over my account I am an adult and it is a result of identity theft and fraud.I live in XXXX Georgia I am an American born and raised I am being discriminated on. I am praying for relief. I live at XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX. Where I can be reached by phone XXXX XXXX or XXXX XXXX or email XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to report unauthorized hard inquiries on my credit report that I did not authorize or consent to. These inquiries negatively affect my credit score and were conducted without my knowledge.

Creditor ( s ) /Company ( ies ) include XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX  XXXX ( XXXX ) World Acceptance-G ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  ( XXXX ) Credit Report Bureau ( s ) : [ XXXX, XXXX, XXXX ] I have already attempted to resolve this issue by contacting the creditor ( s ) and the credit reporting bureau ( s ) . Despite my efforts, the inquiries remain on my credit report.

I am requesting CFPBs assistance in investigating this matter and ensuring that the unauthorized inquiries are removed promptly. Please let me know if further documentation or information is required. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX