23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am very upset on how the school and lender lured me into applying for personal loans vs applying for another type of aid. I was told since I had perfect credit I needed to apply for personal loans and that is how I was going to be able to attend school. This has affected me deeply since I am not able to work out a flexible repayment plan and has affected my credit tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 Equifax deleted almost all of my accounts from their report without any explanation. At present their report is only showing one credit card and I have over five. Is not showing my present address. I have tried sending complaints thru their website and called also but was unable to work thru their verification process for unknown reasons. In my XXXX report I can see 27 accounts of which Equifax only shows 3, of which 2 are close as of today.
Product: Mortgage

I closed on a refinance on XXXX19. Loancare was my new ( as of XXXX19 ) loan servicer. My closing/escrow/title company received a payoff dated XXXX19 which was good through XXXX19.

Title company wired the payoff to Loancare ( on XXXX19 ) as outlined on the payoff statement.

I then ( weeks later ) received a pastdue notice from Loancare.

Called this morning ( XXXX19 ) and was informed by Loancare that  the payoff funds were either returned to the title company or the wire was refused. 
The title company never received any funds/refused wire from Loancare.

Loancare is unable to tell me how they returned the funds. 

At this point Loancare states they refused the payment from or returned the payoff funds to title. Title does not have the money. 
My account is now showing severely pastdue, with additional interest accruing daily as well as penalties for nonpayment. 
My payoff statement which was good through XXXX19 was for  {$240000.00}. 
A Loancare rep stated the payoff should have been for {$250000.00}. 
This is a shortage of XXXX which was due to a tax payment made out of my escrow account on XXXX19 ( after the payoff statement was issued and before it was sent by title ).

I ordered a current payoff from Loancare today and it now says {$250000.00} if paid by XXXX19.

Title does not have the funds refused by/returned by

Loancare. Loancare does not have proof that they refused/returned funds. Title rep told me today that Loancare rep was supposed to c
all them back last Friday ( XXXX19 ) regarding this and no one ever called the

m ( this is new information as I just found out this morning about the entire issue ).

I am getting the runaround from Loancare when I ask to speak to someone who can verify/track the funds supposedly returned to title co. 

My payoff was dated the XXXX and good thru the XXXX. My title co wired it the XXXX. If Loancare refunded the money back to title or refused the payoff they should be able to show proof of that wire that was sent or proof that they refused the incoming wire from title. 

I have no history of missed or late mortgage payments. I typically pay early and pay extra. This is beyond frustrating.
Product: Mortgage

USAA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX USAA requested proof that the Court Bond was real and needs to stay on the HUD. We provided that. They are now saying they want it removed from the HUD regardless of the order given by the court to have it paid. -- -- -- USAA is trying to force the alteration of the terms of the short sale that the 1st XXXX  would be accepting. USAA is the 2nd XXXX and this is a short sale. This is NOT ACCEPTABLE!! They can either take the funds offered to them by the 2nd XXXX or they will get NOTHING if they try to force this into foreclosure. There is no option where they get to tell the 1st XXXX  what they can and can not accept nor try to force an alteration of the terms on the HUD. 

When confronted with this, USAA asserted their policies supersede federal and state law. *****This is illegal on both a Federal and a State level. 

Their XXXX needs to STOP!!! They do not get to dictate terms for the 1st XXXX   nor do they get to create their own laws. 

I want the USAA to move past their issue with paying the Court Bond on the HUD and for them to move the short sale forward appropriately.
Product: Debt collection

I am writing to formally demand that you immediately remove the inaccurate and unauthorized credit reporting entry associated with my account. Transworld Systems I

nc. has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by failing to properly notify me of the debt before reporting it to credit bureaus. Under the FDCPA, specifically 15 U.S.C. 1692g ( a ), a debt collector is required to send a written notice within five days of their initial communication with the consumer, providing specific information about the debt. This includes the amount of the debt, the name of the creditor, and a statement that the consumer has the right to dispute the debt within 30 days. Transworld Systems Inc. has failed to provide me with this legally required notice before reporting this debt to the credit bureaus, which is a clear violation of my rights under the FDCPA.

Moreover, under the FCRA, specifically 15 U.S.C. 1681i, any information reported to credit bureaus must be accurate and substantiated. By failing to notify me of the debt prior to reporting it, Transworld Systems Inc. is reporting inaccurate and potentially misleading information that may harm my creditworthiness. The failure to verify and validate the debt before reporting it constitutes a violation of the FCRA.

This letter also serves as a formal 15-day notice of my intent to take legal action if these issues are not resolved. If Transworld Systems Inc. fails to remove the incorrect reporting from my credit report within the next 15 days, I will initiate a lawsuit under the FCRA ( 15 U.S.C. 1681n and 1681o ) and FDCPA ( 15 U.S.C. 1692k ). I will seek statutory damages, actual damages, and legal fees incurred due to your noncompliance with the law.

Additionally, I will file a formal complaint with the Office of the Attorney General for the state of [ State ], as well as with the Consumer Financial Protection Bureau ( CFPB ). Transworld Systems Inc. 's failure to comply with the FDCPA and FCRA has violated both federal and state consumer protection regulations, and I will pursue all legal avenues to ensure that your company is held accountable.

Please treat this matter with the urgency it requires and take immediate action to remove the erroneous reporting from my credit file. Failure to comply will result in legal consequences, including the filing of the lawsuit and complaints to the Attorney General and other relevant authorities.
Product: Debt collection

On XX/XX/XXXX Paypal initiated an EFT of {$110.00} from my XXXX XXXX Account without my permission for a debt NOT owed and repeatedly disputed. Shocked by their email confirming the payment, I immediately called XXXX XXXX to return the payment to my account. 
On XXXX XX/XX/XXXX Paypal confirmed that 'Your bank declined the funds transfer on XXXX XX/XX/XXXX ' stating " Your recently attempted to transfer funds from your bank account to your PayPal account. '' Outraged by their audacity to allege attempts I never made, I instructed XXXX XXXX to 'STOP ANY PAYMENTS TO PAYPAL XXXX ' On XXXX XX/XX/XXXX PayPal again attempted an unauthorized EFT from my account stating : " Thank you for paying your XXXX account balance. '' They continue to make up these statements with no proof & no scruples! 
Since this hasn't worked, they send me periodic emails stating 'Your bank account is showing suspicious activity. ' As recently as yesterday! It makes me panic and call the Bank. This is a SCAM perpetuated by PayPal! 

Transaction ID : XXXX / Transaction Date : XX/XX/XXXX XXXX XXXX Merchant : XXXX XXXX, Invoice ID XXXX. 
Please note I closed my XXXX account on or about XXXX XXXX with a full and final payment of {$110.00}. 
On XXXX XXXX confirmed payment & noted via email : Total invoice amount due : {$0.00}.
Product: Credit card

CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.
Product: Debt collection

Attempting to collect {$1000.00} not owed. I am not aware of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I was denied credit and received a letter dated XX/XX/XXXX. The reason for denial was due to the number of inquiries on my credit report. Specifically my XXXX report. I got a copy of my report and it shows several companies listing credit inquiries times for the same day. A majority of these inquiries were supposed to be soft pulls. So now Im being denied credit because these companies are not reporting to the credit bureau correctly. 

Synchrony listed two PayPal credit inquiries for the same day XX/XX/XXXX as well as four for PayPal on XX/XX/XXXX. XXXXXXXX XXXX listed three on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing instructions.

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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a XXXX $ late payment on my credit card on a card I barely use. I paid it after they hit my credit score about it and it was on my credit report as unpaid and missed. I paid it, then I tried to talk to the creditor about the accident and I did setup payment reminders on that card but they were unable to update the payment from missed or forgive the remark. XXXX $ one time missed payment is not indicative of how trustworthy I am with making payments over my going on 10 years of making payments on time. It should be able to be removed and not drop my credit score XXXX points. 

The creditor is discover credit card. Overall theyve been my worst creditors out of the 2 credit cards I have open in how helpful they are and how their benefits work is hard to understand. To me it feels a little more personal because I use the card in instances I have no other option just in case so I barely use their services.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Toyota Financial Services ( Toyota Motor Credits ). 
I have submitted many disputes with XXXX to investigate Toyota who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however Toyota keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with Toyota showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). Toyota also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. Toyota reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- Toyota intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that Toyota have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach Toyota financials to discuss this issue, I was informed by Toyota that they do not own this account anymore and that now it's with a collection agency, but yet Toyota continues to claim that this is their account and continues to report my account fraudulently as charge off every month to XXXX XXXX 

4- Toyota fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- XXXX relies on Toyota to update my account, but XXXX never investigated Toyota to make sure that Toyota is reporting the correct information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due ti inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Vehicle loan or lease

I reviewed the website for RateGenius to see what rates they were offering on a refinance of a car loan that has a 6.49 % rate. My credit score is well above XXXX and the rate advertised by RateGenius for a 3 year amortization loan was 4.67 %. I have taken a picture of the website which states the rates are as of XXXX XXXX, 2023 I went through an extensive process to apply for a loan based on the advertised rate and was offered a rate of 6.19 % and told the APR would be over 7.5 % when including fees. On the advertised rate there was no asterisk for any additional fees that would cause the APR to be higher than the advertised rate. I queried as to why they would not offer me the rate advertised and they had no response.
Product: Debt collection

I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and also with ftc and sent in police report.
Product: Credit card or prepaid card

On XX/XX/20, I tried to use my Cash app debit card to make a {$75.00} purchase at XXXX. The transaction was declined but it was deducted from my balance anyways. My account history shows that the transaction was declined too. I notified Square but they have not returned the funds to my account.
Product: Mortgage

I have request that Truist does not contact me for any reason. They refuse to stop e-mailing me. I sybmitted a complaint on XX/XX/XXXX, I emailed XXXX XXXX ( CFPB employee ) and XXXX XXXX ( Trusist employee ) on XX/XX/XXXX and XX/XX/XXXX after I started receiving e-mails again from Truist. I started receiving e-mails again today. I simply don't understand what it is going to take to make this stop. I'm done playing games.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding multiple unauthorized hard inquiries that have appeared on my TransUnion credit report. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report if there is a legally permissible purpose, such as my express consent, a court order, or a legitimate credit transaction. 

I previously submitted a dispute to TransUnion, requesting the removal of these inquiries because I did not authorize or provide consent for them. However, they have failed to remove the inquiries or provide sufficient evidence proving that these entities had a lawful reason to access my credit file. 

The continued presence of these unauthorized inquiries is negatively impacting my credit profile and violates my rights under federal law. I request that the CFPB intervene and require TransUnion to investigate this matter properly and provide documentation of the alleged permissible purpose for these inquiries. If no valid documentation exists, these inquiries should be removed immediately in compliance with the FCRA.
Product: Mortgage

I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XXXX/XXXX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to XXXX XXXX XXXX ( " XXXX '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling XXXX to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, XXXX advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XXXX/XXXX/XXXX, I received the new check and sent it overnight directly to XXXX for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XXXX/XXXX/XXXX I followed up a week later and was told the proceeds had been wired to Nationstar, my 1st lien lender. So I called Nationstar, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into XXXX, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to Nationstar on XXXX and I should give it 5 business days to arrive. After waiting a week, I called Nationstar, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at XXXX to do more research and tell me that they had sent the check via XXXX on XXXX to Nationstar. I confirmed the tracking number online and confirmed that XXXX XXXX of Nationstar had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.
Product: Credit reporting, credit repair services, 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 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 an account without my written instructions. 


XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Currently reporting the following : XXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX ( account # XXXX ) as 120 days late and transferred/sold DEPTEDXXXX XXXX account # XXXX ) as 120 days late and transferred/sold XXXX XXXX XXXX XXXX account # XXXX ) as collection/charge-off.
Product: Credit reporting or other personal consumer reports

I am a consumer in law and being ignored about this fraudulent information you are reporting. See attached.
Product: Credit reporting or other personal consumer reports

There are several discrepancies on the report that require correction. 
Equifax Report : * Duplicate Accounts : The report lists two XXXX XXXX credit cards. This is an error. There should only be one XXXX XXXX credit card listed on my report. 
* Inaccurate Account Status : The report lists the XXXX XXXX loan as both closed and open. Please correct this inconsistency. 
* Charge-Off Status : All five accounts ( including the duplicate XXXX XXXX credit card ) are listed as charged off. While some of these accounts may be charged off, I have not received a 1099 form for any of them. Please investigate the accuracy of these charge-off statuses. 
XXXX Report : * Number of Closed Accounts : The report lists five closed accounts. Please verify the accuracy of this number. 
* Charge-Off Status : All five accounts are listed as charged off. Similar to the Equifax report, I have not received a 1099 form for any of these accounts. Please investigate the accuracy of these charge-off statuses.