23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a former student of XXXX Colleges and attended the XXXX campus. I was conned into taking out their so-called XXXX loans referred to as XXXX loans. The CFPB sued XXXX XXXX for XXXX XXXX dollars for illegal predatory lending. Unfortunately I was n't able to receive any relief from these predatory loans because my loans were sold before the lawsuit. This in my opinion is unfair, as I was still a victim of predatory lending, and it shouldnt matter whether or not these fraudulent loans were sold or not!! They are still fraud!!! Now they have been sold once again to UAS. I refuse to make any payments on these loans, and I disputed the validity of them with XXXX as well as the FTC. The loans have since been removed from my credit report. I received a notice in the mail on XXXX/XXXX/2015, stating if I didnt make a payment, i would be turned over to collections, and forced to pay all of the fraudulent loan plus fees. I am unemployed, I have no money, and I will not pay this fraudulent loan that I did n't get relief from. 
It should n't matter that these loans were sold prior to the lawsuit. What matters is, I AM A VICTIM OF PREDATORY LENDING!!! This company is getting away with fraud!! 
I want relief from these sickening loans!! I want this lending company to cease contact with me. They told me on a recorded line, that they had nothing to do with XXXX XXXX and they could do what ever they wanted. It is my understanding that they have to abide by the same rules as XXXX did, regarding the lawsuit.
Product: Checking or savings account

{$3500.00} was transferred from my checking account to an institution in XXXX as a result of a scam. The scammer was saying he was representing XXXX fraud department in California. I found his contact on XXXX search. This scam started on XX/XX/2023. On XX/XX/2023 the {$3500.00} was transferred to XXXX. I realized this was a scam because he asked for Social Security Numbers for me and my wife, plus other suspicious requests. My wife contacted Bank of America on XX/XX/2023 to recover the {$3500.00}. She talked with XXXX at Bank of America. She filed a claim number as follows : XXXX for our account ending in XXXX. On XX/XX/2023 Bank of America sent letter to us stating that they will not credit our account because the transfer was done by our instructions. I believe this violates Regulation E of federal electronic fund transfer act because trickery of scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of 2017 and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.
Product: Payday loan, title loan, or personal loan

I originally took out a loan on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and again on XX/XX/19 with Opportunity Financial , LLC. When applying for these loans Opportunity Financial, LLCs website states that they do not do credit checks with the three large credit Bureaus and that they do not report payments to any of the three large credit Bureaus. I pulled my credit report and they have indeed been reporting payments to the credit Bureaus showing all these accounts being opened and closed and opened and closed and some not closed that I have paid off. I also believe that the company is breaking consumer protection laws because they have allowed me to take out one loan within days or hours of paying off my previous loan causing a vicious debt cycle entrapping me with their high interest rates. If you look at my debt to income ratio I clearly can not afford this loan. I am XXXX.
Product: Mortgage

Hello- I do hope you can help me with LoanCare. I have been trying to work out a disaster repayment plan with LoanCare. I was on a forbearance program due to Hurricane Ian from XXXX to XXXX, XXXX. I was incredibly grateful LoanCare offered such a program. I entered the program under the pretense at the end of the forbearance period, someone would work with me on a repayment plan, to pay what I could and my good credit standing would not be impacted. I made a payment in XXXX of {$510.00} and a full payment in XXXX, {$1500.00}. My good credit standing is extremely important for my Government clearance. I started calling LoanCare around XXXX to discuss a disaster repayment plan. I was told someone would contact me at the end of the forbearance period. I received and completed the Mortgage Assistance Application and submitted it on XX/XX/XXXX as I was advised by a LoanCare representative around XXXX XXXX when I called to wait until the end of the forbearance period. I received no response so I followed-up with a phone call on XX/XX/XXXX. I attempted to makes another payment which was declined by LoanCare unless I could pay {$2400.00}, stating I was more than 60 days late and they could only accept a full payment or submit additional documentation for underwriting. I provided the requested documents on XX/XX/XXXX. Again I was assured there would be no impact to my credit score while a plan was being worked out with underwriting. XX/XX/XXXX, I learned LoanCare reported me as being 60 days late to the credit bureau. I spoke with another LoanCare representative on XX/XX/XXXX who stated I was told misinformation on XX/XX/XXXX, that LoanCare did not have me under the disaster forbearance program, she contacted her supervisor to correct the credit reporting and she stated NO additional documents were required from me and my current interest rate would not be changed. The next step was for underwriting to work out a disaster repayment plan. I called on XX/XX/XXXX as I had not heard back from underwriting. The LoanCare representative stated, I received incorrect information on XX/XX/XXXX. Additional documents were needed, my interest rate would like increase to the current rate and the credit bureau would continue to be notified of late payments. The only way I could prevent this was to pay {$3800.00}. I explained I receive drastically different or misinformation every time I contact LoanCare. If I knew of this impact, I would not have entered into the disaster forbearance program. I explained that every time I contact LoanCare I am misinformed and requested to speak with a manager to no avail. I followed up with an email to LoanCares Mitigation Department in XX/XX/XXXX and XX/XX/XXXX requesting for management to contact me so we can work out a disaster repayment plan there has been no response. I would appreciate any assistance, this is causing me undue stress personally and financially. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Money transfer, virtual currency, or money service

I AM INVOLVED NOW WITH WHAT APPEARS TO BE AN INTERNET DATING SCHEME WHERE I WAS FRIENDED BY A WOMAN WHO FELL IN LOVE WITH ME AND ENCOURAGED ME TO WIRE A LOT OF MONEY TOTALLING XXXX TO A XXXX LIKE SITE WHICH I THOUGHT TO BE XXXX  BUT IS NOT AND WHEN I ATTEMPTED TO GET MY MONEY BACK THEY WON ; T. I WIRED FROM THE BANK OF AMERICA WHO I HAVE BEEN WITH FOR 40 YEARS. EACH TIME OF 6 I WENT NO ONE EVER MENTIONED ANYTHING TO ME ABOUT POSSIBLE FRAUD, AND BECAUSE I WOULD HOPE THEY WOULD KNOW MORE THAN I DID, THEY WOULD HAVE AT LEAST ALETED ME ABOUT WHAT I WAS DOING AS I RELIED ON THEM TO KNOW MORE THAN I WOULD TO PROTECT ME. NO ONE EVER TOUGHT TO ASK ME BUT WHEN ANOTHER ACCOUNT WAS DEFRAUDED FOR XXXX THEY AUTOMATICALLY CLOSED THAT ACCOUNT WITHOUT EVEN TELLING ME. I HAVE ALL THE DETAILS AND WISH TO COMPLAIN TO TRY AND GET MY MONEY BACK.THE WEBSITE IS XXXX XXXX XXXX
Product: Mortgage

I applied for a VA mortgage with USAA on XX/XX/2020. I am a XXXX XXXX XXXX veteran with a XXXX XXXX old. We were planning to move from XXXX, XXXX  to XXXX, XXXX  due to a recent job I had gotten after being laid off in XXXX when Covid-19 hit. We were due to close on XX/XX/2020 Everything was going well until about XX/XX/XXXX, when I had not heard anything from the USAA mortgage processing team for over 2 weeks and had not received word that the appraiser had been ordered. So, after calling and emailing the processor all morning, he quickly replied that he needed a different version of my XXXX because he never even got around to securing the Certificate of Eligibility ( COE ) necessary for him to even order the appraisal. After I sent him the XXXX, he failed to reply to my standards so I secured a COE on my own via the VA eBenefits website and sent it to him. He ordered the appraisal on XX/XX/XXXX ... one week before we were contractually set to close. 

This processors name is XXXX XXXX, his senior is XXXX XXXX, and their manager is  XXXX XXXX. 

I did not hear back from XXXX or his team all week until about Friday morning XX/XX/2020 when XXXX said the appraiser would have his report turned in by that evening. This would allow us to close on the XXXX. 

Monday morning, XX/XX/XXXX, I receive a call from my agent saying there has been no confirmation that the appraiser ever scheduled to appear on Friday. I call and email XXXX only to find out he is on " vacation '' until XX/XX/XXXX ... the day after we are due to close. I start proceeding to fix this issue with XXXX and XXXX who do not reply to over a dozen voicemails and emails from myself or my agent until Tuesday XX/XX/XXXX ... less than 24 hours when we are supposed to close. 

XXXX and XXXX offer no timeline, no status updates, etc. Only that " they are working on it. '' I was not told that the closing date would change until the evening of XX/XX/XXXX ... 12 hours before we were supposed to close. 

Now, my family is homeless. My wife and son sleep in a basement while I sleep on a floor or couch as we are told of more delays by USAA and the appraiser because " they technically have X amount of days to complete this document or that document ''. We have no idea where the process is or whether or not we will actually be able to close on the home if we are forced to extend with the sellers again. 

USAA never secured a COE USAA never ordered the appraisal USAA never offered to house my family despite their fault of rendering us homeless USAA never said " We are sorry '' USAA has not updated me on the current status unless I reach out to them first. 
USAA is not taking my mortgage seriously USAA is endangering my family 's welfare while allowing people to take vacations and days off after knowingly failing to uphold their end of the contract.
Product: Credit reporting or other personal consumer reports

- Ally Financial. XXXX, 2024. {$5800.00} charged. 
-I recently reviewed a copy of my credit report. I was shocked to learn that I have been of a victim of identity theft. I found an account on my credit report that was not open by me. I have sent documentation to XXXX and XXXX to resolve the fraudulent charges, and it hasnt been acknowledged. This has been hurting me financially. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit card or prepaid card

Several months ago Capital One placed my account in charge off status after refusing 2 payments in a row and 3 others as " never received '' even after I showed proof of payment. I refused to pay the balance due to the illegal actions of CapitalOne because I did not owe the balance which included interest tacked on from the payment refusals plus late reporting which damaged my credit and reputation. 

A couple months ago CapitalOne and I came to a payment agreement in exchange for removing all negative remarks from my credit history. The balance was paid in full as of 4 days ago and they are now refusing to remove the negative remarks from my credit history stating it is their policy not to. When I told them they made a promise AND have done so in the past AND they report on XXXX and in their advertising they do they claimed it was not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX 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. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Chase Bank has now sent me a letter dated XX/XX/2020 stating my accounts available balance was Not enough to cover at least one transaction. We have either paid the item or returned it to the payee : {$30000.00} withdrawl and withdrawn my account {$27000.00}. XXXX XXXX ( manager ) at XXXX XXXX issued new a cashiers check to close this account, then on the following Monday asked me to come back in and write a personal check out of my NEW bank To cover her cashiers check that she had issued, I kid you not. Now I get the letter from Chase that I had written a check to Withdraw to overdraw my account. This branch as well, just told me today that they will not accept my Social Security direct deposit for XXXX, even though they told me my account would be open for 45 days. They have created a nightmare for me and they know that that was initial intention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 

XX/XX/scrub>XXXX XXXX, 2024 Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Lexis Nexis Risk Solutions Consumer, a prominent credit reporting agency. 

On XXXX XXXX, 2024 a Bankruptcy Removal Letter was sent to Lexis Nexis Risk Solutions Consumer informing the credit bureau of the unverified Bankruptcy on my credit profile. 

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, XXXX has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), XXXX is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of Ithe original signed consumer contract and/or judgments. However, it appears that Lexis Nexis Risk Solutions Consumer has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure TransUnions compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regasding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

***THIS ISSUE IS TIME SENSITIVE*** My current home mortgage is with BMO Harris and I am re-financing with XXXX XXXX . I also have a small business loan with BMO that XXXX  instructed me pay off to facilitate the refi ( the loan is secured with my house ). I paid off the BMO business loan on Friday, XX/XX/XXXX in the amount of {$2700.00} and asked for a discharge letter to be sent to me ASAP. I have a rate lock with XXXX expiring on XX/XX/XXXX unless I can confirm the loan payoff. I contacted the branch on Monday, XX/XX/XXXX to verify the loan payment had been processed. The branch could NOT verify payment had processed. They instructed me to contact their Customer Service department at a number they provided. I was transferred 3 times, having to explain my situation each time, before getting someone to confirm the payment was processed. When I asked for a discharge letter I was told it could take up to 30 days. After explaining I couldn't wait that long I was told it could be expedited but that would still take up 14 days. I requested something to give XXXX to extend my rate lock. She offered a letter emailed to me on Tuesday, XX/XX/XXXX. I did not receive that email. I've left two messages today with no response. In addition, my loan officer at XXXX has indicated his difficulty in getting payoff information on the primary mortgage delaying the process more than it should. It doesn't seem to matter who you call or what information you're seeking, this bank is unresponsive to it's customers needs.