23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX Mr Cooper Mortgage Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX COMPLAINT On XX/XX/XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX submitted a complaint against Mr. Cooper Mortgage Service, Texas. In response to your intervention, Mr. Cooper reopened the judgment two times. According to the bank to give our case consideration for a modification of loan. Mr Cooper never followed through to request financial documentations to do a loan work out. It was a delay tactic on the part of the bank to get your agency off their back. The primary objective of the bank is to execute a strict foreclosure on the loan. The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. TheLoan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr Cooper is now scheduled for Auction date XX/XX/XXXX, and XX/XX/XXXX as our law day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for a modification. We have the financial qualification for a loan modification. Both me and my wife have been in our current jobs for over seven years. ( Please see motion to open judgement and extend law date by the bank Mr.CooperXXXX XXXX . You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. Cooper/XXXX XXXX motion to open judgement and extend the law date on XXXX XXXX. The court document stated that the bank wanted to reopen the judgement and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

We put our house XXXX XXXX XXXX XXXX up for sale, and we found a buyer and got an offer and contract on the house. We hired Attorney XXXX through the recommendation of our realtor, XXXX XXXX. The attorney worked hard on the file, sent every requested document to the bank through the equator. Please see the letter written by the bank on XX/XX/XXXX, claiming that they never received the paperwork. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. Sincerely, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENTS : XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

Scott & Associates, PC- Have repeatedly had different people come to my home in very early morning hours, as well as late evenings. The people repeatedly ring the doorbell and knock on the door. They lie and say they are delivering package and have said I have been served as if they are an official government. The notice comes with a yellow paper that says " this can be resolved outside of court and contact us at XXXX. 

These collectors have come to my home 2-3 times a day in some cases. Today I was left a HUGE red folder taped to my front door along with the yellow paper. 

this has to stop This has been for myself and my husband as well.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I was notified by PayPal, via email that my account would be permanently limited and that If you have money in your PayPal balance, well hold the money for up to 180 days. After that period, well email you with information on how to access your funds. On, XX/XX/XXXX I received and email that they had reversed a credit of {$1100.00}, essentially stealing my money. Upon contacting them they give no answers to why, just that I have violated terms. No specific terms are pointed out and when led to read the terms again I can not find any terms that I have violated.
Product: Money transfer, virtual currency, or money service

Binance US has locked my funds for months. 

They have not answered my many emails. 

They say " withdrawals suspended due to risk management ''. 

This is money I need to pay bills, they are not letting me withdraw nor transfer out since XX/XX/XXXX. 

The latest day I tried to withdraw my money directly to my linked bank account was today and it was denied again. 

Please help in an urgent manner. They have been recently banned from XXXX and the XXXX. I fear a lot that my money has been lost forever. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the XXXX and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXXXXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from XXXX credit reporting agencies thank you letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Capital One, This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX
Product: Debt collection

On XX/XX/2022 I reached out to the company, and followed up on XX/XX/2022 after being ignored. 

On XX/XX/2022 they had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. 

I followed up with a letter on XX/XX/2022 to give company estoppel notice noticing their failure to provide proof of claim by XXXX XXXX XXXX Contract Callers INC All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. 

I have requested the company to show : XXXX. Validation of debt over four months ago. These accounts needs to be removed from my credit report. 

XXXX. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code XXXX. Copy of Contract signed by both parties. 

XXXX. Provide TRUE CONTRACT, NO PHOTOCOPY. 

This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.

Please see attachments for letters sent to company.
Product: Debt collection

My complaint is against Velocity Investment LLC ( Debt Collection Agency ), that I was paying on two loans that I had got behind from the original lenders : ( XXXX XXXX / XXXX XXXX XXXX ), due to the lose of income. Velocity Investment LLC deliberately sent false statements to these three other Debt Collection Agencies : 1. XXXX XXXX XXXX. 
2.XXXX XXXX XXXX XXXX XXXX XXXX 
3. XXXX XXXX XXXX , XXXX. 
Stated that they ( Velocity Investment LLC ), had ONLY received the last payment in the amount of {$30.00} dollars on XX/XX/XXXX ( XX/XX/XXXX ), when they had been receiving payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX payments ). After receiving these letters and numerous harassing phone calls in XX/XX/XXXX ( and continue phone calls now from XXXX XXXX XXXX , XXXX, XXXX XXXX ). On XX/XX/XXXX, I had called Velocity Investments LLC, and spoke to the Office Manager, Ms. XXXX about this matter and ask her why did they send a false statement to other Debt Collection Agencies, and stated that your company had ONLY received the last payment in the amount of {$30.00} dollars as of XX/XX/XXXX, when you where still receiving payments, as of XX/XX/XXXX - XX/XX/XXXX. Ms. XXXX stated to me in a very rude and disrespectful way that she could no longer talk to me about my account, because it was turned over to other Debt Collection Agencies, She said, " You call them, '' and I don`t have anything else to say to you. After not giving me any reason of why this took place, Therefore, I had filed a complaint against Velocity Investment LLC with  the XXXX XXXX XXXX in my city ( XXXX, FL ), on XX/XX/XXXX, But they stated to me, that this case was out of their district and refer me to your company ( Consumer Financial Protection Bureau ), to see what type of help that I can get in this very stressful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

I really am beyond bewildered with the incompetence of capital one Walmart card. 
1. 3 months to get a new card since XX/XX/2019. Capital one sends me two cards!!! after 3 months. I called Walmart Executive office and they kept my old card opened due to the issues! 
My activate my card. It does not work!!!! 
Both cards in my name only. Calling is a joke. You get people overseas who speak no English and exploit these poor people into slum wages!

Disgusting. On my credit report since capital one took it over shows as a new account when it is not! I closed my other capital one accounts 3 years ago due to horrible customer service. Just horrible. I also filed an OCC and a FTC complaint. I can not even place an order on XXXX because my card will not work. What is going on here. I want a {$100.00} credit in my Walmart card for all the hassles. I can spend my money on XXXX! I have many choices!!!!!!
Product: Credit reporting or other personal consumer reports

Request for Dispute Processing and Compliance with Power of Attorney To Whom It May Concern, I am submitting this complaint regarding the refusal of your agency to process my recent disputes, despite having provided a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. I received a response indicating that you will not proceed with the dispute because you do not believe the dispute came from me. This claim is inaccurate and dismisses the POA that was clearly submitted. 

As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to force me to use your online or phone dispute methods instead of honoring the disputes I have submitted. 

I respectfully request that you process my disputes as originally submitted, in accordance with my legal rights and the POA provided. 

For your reference, I have attached the following supporting documents : - My government-issued ID Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and information were used fraudulently with Caine & Weiner the account was opened on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}, {$160.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Checking or savings account

This is a complaint that Bank of America had error about posting deposit and false posting information and posting date then lost my money in my account. Bank of America or a person of the bank had changed informations from depodits to an account to a bank credits then robbed customer money in the account by debit it. Customer name is XXXX XXXX, account number XXXX with social security XXXX. On or about X/XX/17 there were small deposits on same days value about 600, 900 and 1500 with small amounts add up to total same days for those amounts. The bank had posted those as bank credits then later used 3 fake claims to steal all money in my account. This is robbing customer money with trustworthy to put money in the bank. I lost my money of the fake claims. The transactions came from a person loan me money then changed to bank credit from other merchants not associate with the transactions. This is fraud, robbing and stealing customer money in the account. The matter had been explainef to the bank but no return yet. It had been reported to FDIC, FBI and also now the consumer finance protection bureau. I nned my money return to me and credit for all fee associated to the lost.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name, XXXX XXXXXXXX XXXX, Acct # 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 reporting, credit repair services, or other personal consumer reports

Transunion and XXXX continue to report inaccurate information that is causing me harm. 

Transunion is reporting late payments for XXXX and XXXX while XXXX is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX  Account XXXX XXXX XXXX  Transunion XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed for a period of time and accumulated a sum of credit card debt, which I am now paying down after having gained a decent job. However, I regularly receive mailings from several companies that have very imposing-sounding wording, and are misrepresenting the contents of their mails. For instance, their envelopes have " Final Attempt '' in big red lettering, and the front of the mail ( the part that is visible before opening the envelope ) says " pay to the order of '' with my name underneath it. 

These are private entities that I DO NOT owe money to, and to say " Final Attempt '' implies that they have been attempting to contact me for debts that I owe them. 

To write " pay to the order of '' implies that they owe ME money, which they do not. These are just debt consolidation services that are trying to use fear and misdirection to convince me to take out a loan with them. The worst offender by far is Prosper ( https : //www.prosper.com/ ), and I have attached a picture of the most recent letter I received from them below.
Product: Vehicle loan or lease

I have a loan with Ally Auto. I did not receive any statements, late notices, or could even access payment history or a balance on their website, yet they reported me 30 and 60 days late. Again, they did not send any notices.
Product: Credit reporting

I am XXXX with XXXX ( " provider '' ) in XXXX XXXX for over 20 years .My account with this provider is XXXX balance. " XXXX XXXX XXXX ' ( " XXXX '' ) is a private collection agency who goes to these kind of providers and get old accounts and files into collection and report to credit agencies in quantity.In my case I have already paid the provider and this is the last bill as stated is XXXX. Regardless my multiple request with proof of payment XXXX continues to report the collection to credit agency ( " Equifax '' ) for XXXX dollar which does not exist except they claim this is interest charges from medical bill I presumably owed to provider. There is no balance how could be interest charges.These people have violated not HIPPA act accessing my medical bills but certainly are scam and try get XXXX people and good responsible citizen scare of their credit and make them pay based on distortion of their good credit .I have attached the proof they have destroyed my credit standing and regardless of my numerous notice to Equifax has failed to justify the consumer rights to the fact which the debt is a wrongfull claim. I do not owed any to XXXX nevertheless to provider. XXXX has long record of law suits by consumers .Equifax must act and remove all of their reporting from my credit. I am available to testify at any place and any time for this abuse from XXXX and Equifax failure to remove wrongful information .this is matter of principal a lot of people getting XXXX. We have to make the credit agencies such as Equifax reporting accountable for the justification of such reporting in the first place.There are XXXX people perhaps are the victim of wrongful reporting by these credit agencies for such this must stop.This is terrible.
Product: Credit card

I still have not reviewed my {$2000.00} dollar deposit back. I filled a complaint here with CFPB and the company responded back that they applied my deposit towards a outstanding balance, I did not have an outstanding balance and I am attaching my last letter received from them as evidence of this fact. This company seems to have a bad habit of giving wrong and bad information and Im very disappointed with them and their services. I would like to know what else can I do as a consumer, they should be held accountable. Im a single father and they are playing around with my money. Please see the attached documents and I am asking that you please ask them to send me my deposit. If you can not help, I will contact my state attorneys office and see what else needs to be done here. My last complaint went to XXXX XXXXXXXX XXXX XXXX this company has many branches and this is also making it hard to track them down and get my deposit back. This is not right. Please submit my first complaint to this same office and maybe we can get this resolved properly.
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX to Nationstar mortgage XX/XX/XXXX. I signed up for the online payment system. The withdraw was suppose to be {$1200.00} to be taken out on XX/XX/XXXX. On XXXX XXXX Nationstar withdrew {$2400.00} from my account, with no permission to withdraw that amount. In my subsequent attempts to get Nationstar to return the money that they were not entitled to, I have been getting the run around. I have been told on several ocassions that my money would be returned within 24 hours. I have yet to receive my money. Today is XX/XX/2015. The withdraw took place on XX/XX/2015. I am in danger of being overdrawn on my bills when the other bills that I pay out the this account are posted. 

I would like to have my money returned to me and to have Nationstar mortgage to never withdraw money from my account ever again. 

My name is XXXX XXXX address is XXXX XXXX. XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian need to remove inquiry This is a request to remove the following inquiries that were made without my expressed permission. XXXX XXXX XXXX Bank XXXX requested my credit report on XX/XX/23 ( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have several account that is reporting negative on my credit report I have already sent and spoke with the credit agent to verify theses account its has been XXXX days nothing has been resolve.Please advise me on what to do .These account is damaging my credit profile.