23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been seeking help since back in 2011 and I just keep getting ignored for some reason. It is just not fair that a consumer can ask for help from our own government that is supposed to be " of the people, by the people, and for the people!! '' I am a XXXX year old XXXX Veteran who worked hard after getting out of the service and I am very thankful for the Veteran 's Health Care that I receive.

I have been a serious victim of securitization on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX., Seterus ( they were really a terrilbe " debt collector '' ) and now Nationstar ( who recently changed their name to Mr. Cooper )!

I don't understand how the CFPA can honestly say they represent us Amerians and strive to help us? With old XXXX XXXX at the hull I could finally understand that there was definitely something wrong there. I was really hoping that the new appointment of XXXX XXXX might change things and that we might be able to expect a fair and honest representation on our behalf?

I am attaching a few files that should serve to thoroughly support my claims, as I did in the past, only to get a stupid and completely false reply from people who have thousands of complaints against them and then the CFPB to close the case and not even acknowledge that the false proof was just that and that NO consideration is given to the truth which is all over the Internet on what happened.

Mr. Cooper is now doing excatly what Seterus  has done on behalf of XXXX XXXX XXXX and this should all be known facts. I have not been late on payments and have the bank records as I do bill pay to try and combat false information that is put out by lenders and the old mail tactic which is so unfair.

These loans do not actually exist as far as I can tell and even after receiving an intimidating letter from a big law firm of XXXX XXXX XXXX which even contained false, fabricated, forged, and even robo signed documents!!! One so called assignment even included the name of a confessed robo signer in XXXX XXXX. XXXX XXXX has avoided my like the plague and I am sure they are NOT the so called " holder in due course '' as they don't have the " paper trail '' or the money trail more importantly.

For all I have been through and the phony modifications that XXXX XXXX XXXX allegely did through XXXX XXXX XXXX XXXX XXXX. these two last remaining loans should be completely forgiven based upon all the years of fighting them, the phony " service transfers '' and all the money they have wrongfully taken from me- especially the totally wrongful foreclosure action on a home here in XXXX  , Colorado and the use of all the fraud tactics.

Mr. Cooper is just another " deb collector '' trying to put me in a position to go into foreclosure with their false reporting, and their claims for even more money they are NOT entitled to. Anyone who has been there at the CFPB for a long time should be well aware of how people have been victimized like me and someone should step foreward to help us fellow Americans and Veterans. Please do somthing to help us all. Thank you and semper Fi.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore XXXX
Product: Debt collection

On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being incarcerated. There's a balance on my consumer report of {$900.00}. I've continued to ask the company for an investigation of how they collected my info which they never sent proper documentation. This has caused so much frustration & hardship upon me. I was just released from prison XXXX of last year & I'm trying to get my life back on track.
Product: Money transfer, virtual currency, or money service

My phone was stolen on the XX/XX/XXXX, so I also lost my XXXX XXXX XXXX. 
It seems that there is no human support for Coinbase and I was asked by a bot to verify my ID using my webcam - which I did. As I have moved countries, I get the following error message : ID does not match profile. 
Coinbase has no email support, no call centre and does not answer XXXX XXXX either. 
As far as I am concerned, this constitutes fraud - they have my money and I have no way of getting it back. My intention was to buy Bitcoin, but without access to my money I have now lost a potential {$2000.00} USD. 
Very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account 1 : XXXX XXXX Account 2 : XXXX XXXX Kind Regards This account in general is reporting three different times with the same account number as well as different balances.
Product: Credit reporting or other personal consumer reports

That on XX/XX/ I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX Comenity bank sent me a letter stating I applied for an XXXX XXXX account I never applied for such an account I called comenity bank who did no help me locate the letter they sent me I need help so no further accounts are attempted
Product: Checking or savings account

Opened account under a XXXX  bonus promo.   Only received $XXXX  even though all requirements met 
Did online banking, deposit amount & min activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Santander and traded in my car for a new lease with XXXX XXXX in XXXX, XXXX My new car lease went into effect on XX/XX/2020. XXXX neglected to pay off the balance in a timely manner. For some reason they paid all but {$15.00}. I tried to call Santander to pay it myself since I couldnt get anyone from XXXX to get back to me quickly. Santander said the remainder had to paid by XXXX at this point because the account was now their responsibility. They would not take a payment of {$15.00} from me. After several attempts XXXX finally paid off the balance and the account was listed as paid in full. However Santander reported a 30 day delinquency to my credit report for a late XXXX payment. I no longer owned the car after XX/XX/XXXX. I have tried to dispute it with Santander. They just tell me to contact the credit dispute center, and the dispute center tells me to contact Santander. I cant get anyone to help me. My credit took a huge hit that was not my fault. Over {$15.00}? PLEASE help me fix this. I am trying to buy a home and this has set me back. Why would anyone intentionally go 30 days delinquent over {$15.00}? I didnt even have the car after XX/XX/XXXX. Please help or help me find someone who will. XXXX has apologized for paying it late but Santander says they can not override the credit reporting even though it is inaccurate. They refuse to let me speak to a supervisor or offer any other solution other than to contact credit dispute. Please help me figure this out. I paid every single payment on tine with this company.
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 a collection for {$310.00} was added and on XX/XX/2021 a collection for {$510.00} was also added, from the company " XXXX XXXX '' reported XXXX collections to my credit report that detrimentally ruined my scores. 
I religiously sent out letters/phone calls to the company to prove that this is not me and to verify the information. They refused to send me any information stating this is me! 
Months go by and I recheck my credit report on the website XXXX. To make things even better, the company has now charged interest on the XX/XX/2021 account for {$310.00} and now it is {$330.00}! Debt collectors and creditors must follow federal and state laws when adding or charging interest on debts. Section 808 ( 1 ) prohibits debt collectors from collecting any amount unless the amount is expressly authorized by the agreement creating the debt or is permitted by law. 
I have now written all credit bureaus and XXXX has deleted all accounts from this company off of my report and the other XXXX bureaus have closed the account for {$310.00} and waiting to hear on the others. 
It gets better ..... When I go and look up the company on my reports : XXXX has the company address as NORTHWEST, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has XXXX company address as NORTHWEST FINANCIAL SVC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX : Deleted the issue and no longer have the address they used. 
When I look the company up online there are multiple addresses address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not heard back from the company since XXXX XXXX XXXX. 
Please, Please, Please help me with resolving this issue and remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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 reporting

XXXX is reporting on my all XXXX of my credit files. They are saying the account belongs to me without providing with proof of a contract I signed.
Product: Credit reporting or other personal consumer reports

Hey you guys are report a late payment on my credit I was never late the month of XX/XX/2024 I have proof my payment was made in XXXX of XXXX  please correct this it harming my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, TOYOTA MOTOR CREDIT XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are reporting incorrect information on my consumer file the account can not be verified as accurate because the information provided does not match. How was this account verified as accurate and what documents or person verified this information so I may follow up in the investigation myself. 

Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal XXXX XXXX XXXX XXXX : Payment after charge off / collection Paid, was a charge-off Payment Amount : {$0.00} Account Type : Open account Deposit ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am writing to opt out of the processing and marketing of my data. It is my right under data protection law to request my data not be shared or distributed by CoreLogic XXXX ; further, I do not want my information shared or dispersed by XXXX XXXX XXXX. I understand this is not a permanent opt out request, and the suppression will be reversed given enough time. Please opt me out of all communications from CoreLogic XXXX, XXXX XXXX XXXX, and all other affiliates and partners. I do not wish to receive physical mail, emails, direct marketing, or telemarketing. Nor do I wish to receive prescreened, or firm offers from affiliates and partners. Please start this process immediately and notify me of its completion. Consumer Information : Full Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX KY XXXX Phone Numbers : XXXX Social Security Number : XXXX Date of Birth : XXXX Please let me know if you need any other information or help to fulfill my request. Thank you, XXXX XXXX XXXX View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

The SELF building credit account a blue card becauee you fix your credit yourself A SET AMOUNT EACH MONTH IS SCHEDULE TO BE PAID, and that I did. i only had XXXX account and never opened a 2nd accou t SELF account. the following dates and amounts given on my credit score are said to be owed. HOWEVER, i asked when i closed my account do I owe anything and they said no and i have plenty of time to spend the mpney i deposited onto the SELF card each month. either XXXX or XXXX dollars each month accumilates and in the end you get 12 months times the {$30.00} each paid for 2 years. The sum of the 2 years goes into your SELF accouny and you can spend it when you want to. Even though i didnt do 2 years i was ok with ending the accouny early because i was moving and no longer recieveing public assiatance XXXX each month from govt. i had no income. and my casework for XXXX XXXX said it was ok i did this because it rebuilt my XXXX XXXX and all the money i deposited into the accouny I got back and could spend XXXX XXXX SELF CREDIT CARD. for my friends and I when we as friends did good things by XXXX  a goal we set like apartment seeking, or making it to an appoitment and checking things off your list things completex. i bought a pizza pie up XXXX XXXX XXXX  XXXX XXXX  XXXX AMAZING and we got things done.. thata just XXXX thing i did with the card I closed the account because i spent everything i saved on it. WHY DO I SEE THE FOLLOWING XXXX DATES WITH MONEY OWED. ITS IMPOSSIBLE I ALREADY SOLVED THIS WITH THEM 2 YEARS AGO. i know i basically paid for my XXXX XXXX go up XXXX points but i did what i needed. 
the following dates and money owed ARE IMPOSSIBLE BECAUSE I COULDNT CLOSE ACCOUNT IF THERE WAS OUTSTANDING BAALANCE DUE ; XXXX. XXXX {$46.00} XXXX XX/XX/year> {$61.00} XXXX XX/XX/year> {$31.00} DATE TO BE KNOWN XX/XX/XXXX ACCOUNT WAS OPEN. AND ITS ON XXXX XXXX AS SUCESSFUL. THE OTHER XXXX REPORTS SAY Money.delquient owed. 

can you help me please figure this out aND PLEASE ALLOW ME THIS OPPORTUNITY TO EXPLAIN a REACTION AND MY COMMENYLTS TO BE PLACED DIRTECTLY ON MY CREDIT REPORT FOR THE 3 DAYS FOR MONEY OWED, IMPOSSIBLE BECAUSE THEN YOU CANT CLOSR account anx i Did 2 years ago. 


from XXXX XXXX email XXXX tele XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax and asked them to explain why my mortgage company can not pull my Equifax report. They told me there is a fraud alert on my account because my name is fraudulent and I have not received any information via mail, email, notifying me of any activity. The second representative told me that my account has been listed as fraud but will not give me information about the alleged fraud nor will they tell me how to fix it. Im am so tired of getting the runaround about this. Prior agent never mention a fraud, he said that there was a lock in the account and after verifying the information he said it was removed. So I tried again today to log in online and still o am receiving the same issue. I have a right as a consumer to know what is being done and by whom and to simply tell me I will not have access to my own Equifax due to fraud yeah no, going all the way to the top on this one.
Product: Checking or savings account

TD Banks Deceptive and perhaps Fraudulent practice Background : During summer 2020, I received an unsolicited promotional mailer from TD Bank for opening a savings account that will earn a promotion bonus of {$200.00} ; if the savings account is paired with a checking account, TD will pay an additional promotion bonus, $ XXXX/ {$350.00}. The mailer had my property address, but it was addressed to someone who neither belongs to my household nor has ever lived in this residence. 
I used the weblink contained on the mailer and followed the instructions thereon to open online two savings accounts, one of which was paired with a checking account with a direct deposit advice. On XX/XX/2020, my spouse and I physically went to the local TD bank, funded the accounts, and was CONFIRMED by the teller and her supervisor that our accounts qualify for the promotion bonus as on the mailer that we brought along. We were assured that upon meeting the required conditions, we will receive the promotion bonuses on BOTH accounts, one held by me and the other by my spouse. My spouse held the savings and checking combo accounts.

Dispute : Recently, while trying to get an update on the promotion bonus, I find that TD bank mark our accounts as ineligible for the promotion bonus- the reason : the account holders do not match the name on the mailer XXXX 
I find TD Banks reasoning for its refusal to pay the bonus is flawed at best and misleading and deceptive at worst.

First, TD seemingly argues that any bonus-eligible account MUST uniquely match with the name and address on the mailer and the mailer promotion is NOT an online promotion. I do not see the distinction between mailer promotion and online promotion when the link on the mailer specifically instructs to open the account online. But more importantly, if TDs intention is to match the name and address on the mailer with those of the new account holders, its TDs responsibility to ensure that i.e., AUTOMATICALLY populate the name and address fields on the webpage or the bank provides a unique reference code on each mailer to be keyed in while opening a new account. The fact I was able to open multiple accounts online using the same link clearly negates TDs unique match claim. 
Second, TD had the opportunity to match the name and address on the mailer when on XX/XX/2020, right after I opened the accounts online, my wife and I physically went to a local TD branch to fund the accounts i.e., make the initial deposits. Not only did the bank gladly (! ) accepted the deposits but CONFIRMED that both our accounts are eligible for the promotions. Did the bank staff not know that the name and address on the mailer MUST match those on the accounts and there can be only ONE account per mailer?

My opportunity cost of diverting funds to TD bank is not trivial and I would not let TD Bank get away with deceptive banking practice causing financial harms to account holders. In fact, I would like OCC and CFPB to investigate TDs account promotion practice and determine how many account holders have been duped by false promotions.
Product: Mortgage

None of the options really covered the problem regarding this mortgage, but I'll explain ... 

Back in XX/XX/2005, when I bought my house, the mortgage company set up a " 80/20 '' loan. I believe this may be considered a predatory loan. To make a long story short, I have been paying a loan for {$42000.00} for 13 years and only a total of {$400.00} has gone to the amount. I still owe {$36000.00}! 

The interest is 10.74 % ... is there ANYTHING you can do to help me with this? I have not contacted the mortgage company because I didn't want any retaliation.
Product: Credit reporting or other personal consumer reports

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

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score.