23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company, Mr. Cooper ( also known as XXXX XXXX XXXX ) has turned out to be difficult at best to work with. I went through a XXXX  XXXX Bankruptcy and my mortgage was sold off to them from the original lender, XXXX XXXX XXXX. I have paid back all of the money I owed during the bankruptcy and it has been closed/discharged by the Bankruptcy Trustee XXXX XXXX XXXX XXXX XXXX My issues are as follows : 1. I am enclosing a copy of my XX/XX/XXXX statement. Which did not match the amount owed to them. On the statement it clearly states that of {$9600.00} cents owed from the bankruptcy only {$7700.00} has been paid with a balance owing of {$1800.00}. Attached if my letter from XXXX XXXX, the trustee, showing the entire amount has been paid to them, payment dates, etc and they still haven't credited the amount. 

2. My statement from them usually get here 3 to 4 days before the payment is due on the first of the month, yet they immediately added on a {$70.00} late fee on the first when the mortgage we signed has a 15 day grace period. 

3. One can never talk to a person there on the phone. The automated system is such that it is confusing and never being able to speak to a live person is not helpful at all. 

4. At the very end of the bankruptcy, there was a " surprise '' {$900.00} '' charge in addition to making all my payments back to them. Shouldn't this have been disclosed when they settled on the amount owed at the beginning? 

5. They are now demanding an additional " Escrow Payment '' of {$980.00} before I can make my regular monthly payment on the first of XXXX. I received a letter from them stating my payments were going up about {$85.00} a month to cover this escrow, but now they are demanding it all upfront. 

No where on their monthly statements did I find a " RESPA '' address to file a complaint with, which is my I'm using this system. 

Any help would be greatly appreciated, as this company is known for outrageous fees. This is from their last lawsuit " A federal judge gave preliminary approval for a {$3.00} XXXX settlement in a class action case against Mr. Cooper over allegedly charging borrowers " exorbitant pay-to-pay fees. " XX/XX/XXXX '' and I'm being fee 'd to death. 

Thank you for any help on this matter.
Product: Debt collection

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, LexisNexis must delete this information from my credit report, and i asked them on several occassions starting ( XX/XX/2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first premier bank credit card, which I never applied for and also XXXX XXXX  which was discharged in my bankruptcy in XX/XX/2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with Lease and Rental that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Product: Debt collection

The calls from Portfolio Recovery are not only XXXX  and unnecessary but disruptive and costly. In a single day alone I receive a minimum of XXXX calls per day that begin as early as XXXX ( as they did on XXXX  XX/XX/year> ) and as late as XXXX ( as on XXXX  XX/XX/year> ). This is the minimum, unlike the most calls, which was XXXX on XXXX  XX/XX/year>. 

On XXXX separate occasions ( XX/XX/year> & XX/XX/year> & XX/XX/year> ) I have contacted them to ask them to stop calling me and was met with snide remarks or was hung up on but the calls have not stopped. My attempts to block their numbers have been futile as I have received calls from now more than XXXX different phone numbers from them. 

They also are not reflected on my credit report as the company they claim to be representing. This feels like a violation of privacy, violation of confidentiality, breech of terms, and not to mention the constant calls draining my phones battery, interrupting important life events, and causing an overall decline to my XXXX  and XXXX.
Product: Vehicle loan or lease

The interest was to high for the Vehicle. The cost of my vehicle was XXXX. I was charge another XXXX in interest. It's a rip off for a Use truck 2016. Yes want to be part of this Settlement. Thank you
Product: Checking or savings account

Certainly! Heres a polished version for your complaint : Subject : Complaint Regarding False Interest Rate Information Dear CFPB, I am filing this complaint to address a misleading issue with Captial One I recently opened a savings account based on their advertised interest rate of XXXX % as prominently displayed in their promotional materials. However, after opening the account, I discovered that the actual interest rate applied to my account was significantly lower than what was advertised. 

This discrepancy between the stated and actual interest rate directly influenced my decision to open the account. I believe this constitutes deceptive marketing and unfair business practices. Despite my efforts to resolve this issue with the bank, [ describe response or lack thereof, if applicable ], the problem remains unresolved. 

I respectfully request that the CFPB investigate this matter to ensure transparent and truthful advertising practices by the bank. Additionally, I seek appropriate compensation or correction for the financial loss incurred due to this misleading information.
Product: Vehicle loan or lease

My car was towed and damaged so they say when I was able to pay and still operate my vehicle police didn't help but only damaged the situation more being racist and too manly. Destroyed my car didn't help with proper commute without asking for money after spending my earned income to keep my vehicle. 
My key was missing and it was so easy to repair anyone could've had my car with as little milage it had. For it to still be on my background without proper judgement by state officer pining the fact that if I was some one of violence and disturbing to the area instead of taking the action off with little to no penalty.
Product: Credit reporting or other personal consumer reports

Midland credit management has a collection where the original debt is older than seven years old. They claim to be the original debtor, but they purchased this debt from a charged off credit card that the last payment is now older than 7 years since last payment. They refuse to remove this from my XXXX credit report as required by law.
Product: Credit card or prepaid card

This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$170.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.
Product: Money transfer, virtual currency, or money service

I paid XXXX XXXX  via PAYPAAL and the company has delayed my order for 6 MONTHS this is insane. they verbally tell me I can cancel, and yet they refuse to cancel. I called the furniture manufacture directly and spoke to XXXX XXXX at XXXX she advised me that they have a contract with the seller and that must be honored and I have to work via them. They refuse to ship my order or honor my desire to cancel. they are a fraud and are not abiding by their published policy on cancelation. I am seeking full refund. 

Paypal is the payment provider i used on this and i am needing my refund. the company continues to delay until we reach 180 days to which at that point i am fully liable for the XXXX that i am owed back for my canceled order. All i want is for them to process my requested cancellation and refund me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my complaint from the CFPB on XX/XX/2023 they responded with the interim response on XX/XX/XXXX and I have not gotten any information back. It's been more than 30 plus days. I sent out letters to experience for months. No response and send my letter complaint in for the CFPB and yet no response.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. The completed FTC Identity Theft Report. Copies of my identification documents. Any additional information requested by your office. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 
It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I logged into my account to schedule my payment and was advised to call In rep advised there is a cut off time and I am now being charged a late fee I asked for them to waive since I had been hold and if the rep would have process the payment immediately it would have avoided the cut off time the reps are incompetent and ask the same questions over and over
Product: Debt collection

On XX/XX/2021 I emailed a " notarized and " certified '' to Convergent Outsourcing, Inc. Convergent Outsourcing, Inc is in violation of several laws according to the 15 U.S Code 1692g of the Fair Debt Collection Practices Act. A debt collector can not say I owe alleged debt, it is a violation and seeking remedy for damages inflicted on me. This debt is not mine. Additionally, Convergent Outsourcing, Inc never sent a notice 5 days before the account was placed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im so angry with Equifax! Theyve been reporting false information on my credit report. I have paid my credit card in full as you can see in the file below. Please help me now or I wont be able to get a home loan for a house Ive been working so hard to get.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1601 sec. 802 Fair Debt Collection Practices Act, 18 U.S.C. 1028 Identity Theft & sec ( A ) Aggravated Identity Theft, and Breach or violation of required contract. 

( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX  XXXX  / Account Number : XXXX ), ( Account Name : XXXX / Account XXXX ), ( Account Name : XXXX XXXX  / Account Number : XXXX ), ( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX  XXXX XXXX / Account Number : 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 ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions. 

- 15 U.S.C. 1681c. ( A ) ( 5 ) : States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

- 15 U.S.C. 1681s-2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

- 15 U.S.C. 1601 Section 802 ( A ) : States Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS of INDIVIDUAL PRIVACY. 

- Breach of Contract States that whenever a party who entered a contract fails to perform their promised obligations, the remedy is monetary damages. In which I did not receive. 

- 18 U.S.C. Sec. ( A ) : States, whoever knowingly transfers, possesses, or uses, without consent, a means of identification of someone shall, in addition to the penalties for the felony, will be sentenced to imprisonment of 2 years, or five years for terrorism. 

*** Account # XXXX I am NO LONGER the OWNER of this item. As the lean and item was Purchased and auctioned/sold by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX " I AM NO LONGER RESPOSIBLE FOR THE SAID DEBT. '' [ Creditors transferred and/or sold my personal sensitive information to third party entities without my knowledge or consent, which on ALL parties is Aggravated Identity Theft and Breach of Contract. My rights to privacy was also violated by all initial contractors whom I entrusted in " GOOD FAITH. '' ]
Product: Credit reporting or other personal consumer reports

Experian is in default of FCRA reporting inaccurate information on credit report that was not authorized by the person who the report pertains to. I am a Federally protected consumer who disputed inaccurate info that has been removed. At this point Experian is liable for injuries that I have suffered due to their negligence. Company can refer to report number XXXX ( XX/XX/2023 ) that shows updates from the initial report number XXXX filled XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of fraudulent accounts, names, addresses, and inquiries from my credit report as a result of identity theft caused by the XXXX Data Breach. Despite my efforts to notify you and submit an FTC Identity Theft Report, these inaccuracies remain on my credit file, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : You are required by law to block fraudulent information once notified of identity theft. I have already provided all necessary documentation, including an FTC Identity Theft Report. Your failure to remove these fraudulent accounts and inquiries violates this section. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the legal right to request verification of any account on my credit report. You have failed to provide any documentation or proof that I opened these accounts, and they must be removed immediately.

FCRA Section 611 ( 15 U.S.C. 1681i ) : You are required to conduct a proper investigation within 30 days of my dispute. Your failure to investigate and correct these errors within the required time frame is in violation of this section.
Product: Mortgage

Ilogged into the app end of XXXX and paid what was owed. Around {$500.00}. 

Mid XXXX I received notice about help with making my mortgage payment. 

I immediately logged into the app - shows payment for XXXX still owed. I logged into checking account. The payment never posted. 

I know I made my payment but attempted to make another payment through the app yesterday. Showed payment pending. 

This morning, I checked my banking account and nothing posted or is pending. Their app does not show payment pending Attempted to call. Phone disconnects after putting in last four of ssn. Attempted multiple times. Pressed pound, it disconnects. Called every other number I could find. Disconnects. 

I do not know how to speak with anyone, and I have not received any calls or voicemails from them either. Which, I would think they would be calling if my payment was missed. 

Ive worked too hard to raise my credit score for this nonsense to set me back. Paying my mortgage should not be an impossible process.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I deposited XXXX XXXX ( Worth roughly XXXX XXXX currently ) from my Trust Wallet into my Binance US exchange wallet. During this transaction I had a lapse in judgement and forgot XXXX and Binance XXXX require a special memo on top of the wallet address that differentiates the different customer wallets that the exchange is sending the XXXX to. Currently my XXXX is stuck in the exchange wallet waiting for customer support to retrieve it and place it in my personal wallet. 

I contacted customer support on XX/XX/2021 minutes after the mistake I made, but after 4 days of research and aggressively trying to get into contact with customer support via their website, XXXX accounts, XXXX accounts without any luck, I understand I will be waiting months if not longer to retrieve my funds from Binance US XXXX according to users who have experienced the same issue. That is a extremely long wait time and a large amount of money to not have access to. I hope we can come to a quick resolution. 

Binance XXXX ticket # XXXX
Product: Checking or savings account

Thu, XX/XX/XXXX, XXXX i wrote them : i would like to close my account and cancel my membership they responded : Thu, XX/XX/XXXX, XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Hi XXXX, Your M1 account ( s ) has been closed. 


but later in XXXX they wrote to me : Thu, XX/XX/XXXX, XXXX ( 5 days ago ) Invest Negative Account Notice Hi XXXX XXXX We have identified your M1 Invest account, XXXX, currently containing a negative balance of XXXX XXXX 


Because they continued to charge me for the membership fee
Product: Credit reporting or other personal consumer reports

I was notified by another company that my social security number was compromised. I went into all 3 credit reporting agencies to put a freeze on my credit report. XXXX and XXXX were no problem. Trans Union is a disaster. I've tried for 3 days to talk to someone at Trans Union. I just get caught up on hold for hours at a time, click to have someone call me back but no one ever calls back, been online with Bots for 3 hours who just say they are learning and don't know how to help me or they send me to a real person who never materializes, they send they will send me a code to get into the account but no code is sent by mail, text or telephone... NOTHING
Product: Credit card

XXXX XXXXXXXX XXXX XXXX CRIMINAL USE OF CAPITAL ONE BANK FOR XXXX XXXX PRECURSOR FINANCIAL XXXX CRIMES VIA CAPITAL ONE BANK VIOLATIONS OF TILA TRANSPARENCY LAWS, CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE (CARD) ACT, FDCP, FCRA,  AND MORE, POSTED AT: 
XXXX XXXX XXXX XXXX XXXX XXXX REGIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRECURSOR CRIMES, VIA REPLICATED FINANCIAL/CREDIT XXXX PROGRAMMING VIA CRIMINAL USE OF BANKS TO VIOLATE THE  XXXX XXXX VICTIMS PROTECTION ACT  22 U.S.C.  7102), SECTION 1:
(1)ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS. THE TERM ABUSE OR THREATENED ABUSE OF THE LEGAL PROCESS MEANS THE USE OR THREATENED USE OF A LAW OR LEGAL PROCESS, WHETHER ADMINISTRATIVE, CIVIL, OR CRIMINAL, IN ANY MANNER OR FOR ANY PURPOSE FOR WHICH THE LAW WAS NOT DESIGNED, IN ORDER TO EXERT PRESSURE ON ANOTHER PERSON TO CAUSE THAT PERSON TO TAKE SOME ACTION OR REFRAIN FROM TAKING SOME ACTION.

REGIONAL XXXX XXXX XXXX  REPEATED PROGRAMMED AND PAID FOR USE OF BANKING AND CONSUMER PROTECTION TRANSPARENCY AND VALIDATION LAWS IN A MANNER THE LAW DID NOT INTEND. CAPITAL ONE CREDIT CARD ENDING IN  XXXX, ATTACHED ERRONEOUS CAPITAL ONE CREDIT CARD TRANSACTION RECORD, WITH NO PENDING TRANSACTIONS NOTED, WHILE XXXX IS MISSING FROM THE CREDIT CARD ACCOUNT WITH NOTHING IN WRITING.  THE PHONE AGENTS ALLEGE MONEY HAS BEEN LAWLESSLY TAKEN OUT OF THE BALANCE FOR A PREPAID XXXX XXXX XXXX, AND WAS TAKEN OUT OF THE AVAILABLE CREDIT AS AN ASSUMED  XXXX XXXX XXXXXXXX  SECURITY DEPOSIT WITH NOTHING IN WRITING.  THE XXXX XXXX XXXX $250.00 SECURITY HOLD WAS AND IS  SUPPOSED TO BE IN WRITING AND  WAS SUPPOSED TO BE TAKEN OUT OF THE AVAILABLE CREDIT ONLY, NOT THE BALANCE.  
THESE LAWLESS CREDIT CARD ACTS OBSTRUCT CREDIT CARD TRANSPARENCY AND VALIDATION LAWS AND USE BANK LAWS IN A MANNER NOT INTENDED. THE CAPITAL ONE BANKING AGENTS HAVE ADMINISTERED, AN ABUSE OF THE BANKING PROCESS, SPECIFICALLY, THEY HAVE USED BANKING LAWS IN A MANNER NOT INTENDED  AND IN DOING SO HAVE VIOLATED THE TRUTH IN LENDING ACT (TILA), AS IMPLEMENTED BY REGULATION Z, SPECIFICALLY, THE BANKS NOT IN WRITING BUDGET $250.00 SECURITY HOLD, LAWLESS NO PENDING TRANSACTION PUBLISHING, AND DOUBLE DIPPING THEFT OF THE $250.00 OUT OF THE BALANCE, WHILE THE RENTAL WAS PREPAID, IS CRIMINAL AND VIOLATES PROVISIONS THAT REQUIRE TRANSPARENCY IN CREDIT CARD TRANSACTIONS. SPECIFICALLY, SECTION 1026.9(C) OF REGULATION Z.