23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint, XXXX  and XXXX On XX/XX/2022 CoreLogic claimed that the payment for my summer taxes was facilitated by CoreLogic from my active escrow account with XXXX and the refund was sent to XXXX which was deposited back to the customers ( mine ) escrow account on XX/XX/2022. 
I demand explanations from CoreLogic how these money came from my alleged escrow account to CoreLogic to make payments for my taxes and the name of an individual employee and the Compnay who authorized this disbursement. 
I demand CoreLogic to identify the source of their information that this refund check was deposited on my escrow account and how CoreLogic know about it. I demand the name of an individual employee at CoreLogic who can confirm that this refund was deposited on my escrow account. 
What agreement sets forth the duties of the escrow agent, here : CoreLogic? 
I demand a copy of the Agreement where CoreLogic is authorized to make payments for my property taxes. How does money get into the escrow account? how does money get out of the escrow account? on whose instructions or funds distributed from the escrow account? 

According to XX/XX/2022 letter from XXXX, my summer taxes were paid by XXXX ( not by CoreLogic ) and my city issued a refund to XXXX. See attached. 
In reality, the city issued a refund to CoreLogic who made it payable to XXXX XXXX bank. 
I demand explanations why XXXX CoreLogic paid this refund check to XXXX XXXX bank if CoreLogic claimed it was sent to XXXX?.
Product: Checking or savings account

CHIME banking has closed my account due to a negative balance, although multiple fraudulent charges occurred on my account. Specialist were aware instead refused to investigate, now I've suffered from lost funds, and access to my checking and savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This debt was charged off in XXXX and included in bankruptcy in XXXX. There is no way this debt is still valid.
Product: Student loan

Iwas attending the University XXXX and later stopped attending do to medical reasons. I then returned and recieved my XXXX. I was never given a fair chance to pay back my loan due to the high intrest rates that were not discussed with me upon accepting the loan. I later deffered them and they continued to grow interest. I was forced to go back to school so that I wouldnt gain more fees. Those fees and student loans from over 6 years ago are hurting me financially and the attempt to get a house for my family and I.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Kikoff Lending LLC, and XXXXXXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

The current issue involves an incomplete and inaccurate credit report from XXXX XXXX and Equifax, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from XXXX 's XXXX and Equifax website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Product: Mortgage

When utilizing our HELOC we had an initial promotional draw at 0.99 % ( $ XXXX around XX/XX/2022 ) and then a subsequent draw at the terms ( currently 9.82 % ) for $ XXXX ( around XX/XX/2022 ). 

While trying to make a payment towards the higher interest payment the statement references " For accounts with Promotional Balances outstanding, principal payments above the minimum payment will be applied to balances with lower APRs before balances with higher APRs, until the balances with lower APRs are paid off ''. I do not recall this being disclosed up front and when talking to customer service on XX/XX/XXXX they confirmed there is no way to apply payments directly to the higher interest rate balance ( $ XXXX ). If I had known this in the beginning I would have leveraged a larger draw up front.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am  XXXX . I suffer from   XXXX   XXXX  y. I was working while attending the school that I obtained a loan for. At a certain point my  XXXX  had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my  Mothers  credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security ( each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company ACIMA CREDIT XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
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 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I re eived an email about an increase in a debt by a company representing XXXX that I don't even recognize
Product: Credit card

Paypal upon me informing them that out of XXXX orders from XXXX XXXX never made in to the US. Instead of helping me with these sellers they told me to get help elsewhere which is a breach of contract. But worse than that they have locked me out of my account history and sold the Paypal Credit account to synchrony Bank in the middle of the dispute. This was in I think XXXX now the Bank has this on my credit report and there is no account to access at the Bank the only way is thru paypal. The bank is claiming that in XX/XX/XXXX thru XX/XX/XXXX I made payments on this account of XXXX every month I never made a payment after Paypal refused to help me and breached the contract. I wish to be refunded for these payments as they were illegally taken from my Bank Account I have no access to this as Paypal has me locked out of my account history. The Bank They were taken from I no longer bank with but there getting the information it will just take a while as it is in storage the records. Paypal will know if they took money on these disputed accounts and the date I stopped using Paypal credit. I need this information if they wont then I need this stuff taken off my credit as of now they should not have it on my credit report. 7 years has passed.
Product: Vehicle loan or lease

I believe this company is erroneously charging the following : -erroneously intertest charges -mischarging for Gap Insurance -other charges -multiple charges for repossession fees -changing how my payments are applied to my loan ( principle, interest, late fees, and gap insurance ) ; they apply my payments to principle, etc. then go back and change the way the money was applied to my account I've talked to the company multiple times. Every time I'm given a different answer on what the " additional '' charges are for and how the interest is accruing to my account. I have paid several large payments $ 1,000- {$3000.00} and the gap insurance is not showing that it is paid on my account. Additionally, every month my account shows " other charges ''. Westlake Financial has yet to provide a clear explanation in writing as to what these " other charges '' are. Also, when the accounting department send me a statement of accounting, the money that I have paid on my loan is always accounted for differently in each statement.
Product: Debt collection

My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Ty pe I ha ve a dispute   XXXX    XXXX  - DEBT COLLECTOR Consumer ID  XXXX  Request Date 2017-  XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} fo r PayPal company. First of all I DO NOT have any PayPal account. I do n't even-know how pay Pal works. Second, this is only {$25.00} I dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please als o advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account  XXXX   XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against PayTomorrow LLC for what I believe to be an unlawful, deceptive, and predatory financing structure. In XX/XX/year>, I purchased a piece of gym equipment and financed it through PayTomorrow. I was led to believe I was entering into a single financing arrangement. However, I have since discovered that I was deceptively enrolled in both a consumer loan AND a closed-end lease for the same piece of equipment, creating a dual financial liability that was never clearly explained to me at the time of agreement.

Let me be clear : This was a single transaction for a single product, yet PayTomorrow split the liability across two separate financial instruments a " Simple Interest Consumer Loan and Security Agreement '' and a " Closed End Consumer Goods Lease Agreement '' without adequate disclosure. The lease references a {$2500.00} value, while the loan finances {$1800.00} of the same product, giving PayTomorrow the ability to double-dip on payments for the exact same item. This is a blatant abuse of consumer trust and constitutes constructive fraud through layered contract structures that obscure the true financial burden. 

The lease falsely states I have no ownership rights, while the loan simultaneously grants PayTomorrow a security interest in the equipment, implying I am the owner. It is legally impossible under Texas law to both lease and sell the same item to the same person at the same time. These documents directly contradict XXXX another and reflect a willful act of deception, designed to trap unsuspecting consumers into overpaying. 
These practices are : In violation of the Truth in Lending Act ( TILA ) for failure to clearly disclose the true nature of the financing agreement.

In violation of the Consumer Leasing Act ( CLA ) due to incomplete and misleading lease disclosures.

In violation of Texas Deceptive Trade Practices Act ( DTPA ) for employing an unconscionable financing structure and misrepresenting consumer rights.

And appear to violate UDAP standards ( Unfair and Deceptive Acts and Practices ) by artificially inflating consumer liability through dual contract structures. 

PayTomorrow appears to be using this tactic to mislead underwriting systems, confuse customers into believing they have more flexibility than they do, and weaponize complexity to generate excess payments under the guise of optional ownership when in reality, both agreements require payment on overlapping timelines and include steep fees, automatic debits, and disproportionate penalties. 

I have attached both the loan and lease agreements for your review. If this is happening to me, its likely happening to hundreds or thousands of others. This is not an accident this is a model built for predatory profit, and it needs to be stopped.
Product: Mortgage

I have been attempting to work with Ally to get this issue mitigated and was promised a resolution at end of XXXX but it just keeps getting worse. Ally incorrectly made an extra property tax payment in XXXX ( after missing to pay a payment ) that resulted in a negative balance to my escrow account and my annual interest statement being incorrect. This has also negativity impacted my new escrow statement and increased my payments. I've requested Ally to resolve by applying the incorrect tax payment which was refunded to them by the county to my escrow account. This finally occurred last week. I was told I would be refunded the resulting overage to my escrow account. This has not happened. Nor was this overage reflected on my escrow true up statement for the upcoming year. Instead on Friday I noticed that Ally made 2 property tax payments this week - one was correct and the other was not due until XXXX. 
Instead of responding to my request for an update they made a reference to my XXXX information. I did not have a mortgage with them in XXXX. 
I am getting no answers from Ally. They keep mailing me the same information over and over ( literally the same printout repetitively ) and provide no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my Consumer report and I am showing Transunion Credit Reporting agency is reporting 7 inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
Product: Vehicle loan or lease

On XX/XX/2018 I went to several car dealerships to request for a car loan for used cars. It seems that Ally Financial ran my credit report and due to poor credit i was denied for my car loan and it seemed that it affected my credit report on XXXX  and I want to have that resolved immediately.
Product: Credit card or prepaid card

I have multiple accounts with company but for various retailers. I have pep boys, PayPal, and care credit to mention a few. My situation is directed to my care credit. I have been experiencing a lot of situations on my cards and my accounts with your company are having some of the same issues. I feel like there is another person gaining unauthorized access to my accounts I have been requesting copies of my statements since my relocation in XX/XX/XXXX. 
I'm trying to verify what is mine and not authorized. I have also been confused on a few things I have seen. 
I want to verify my profile info for all accts, get statement copies, and find out how my account was changed without notifying me. I would like to get the addresses on file? I want to verify how many cards on each account, make sure there's no virtual cards on acct. 
Most recently, I have been needing to get some major work done on my teeth which I use care credit for. I had opened up my acct info online and noticed that somehow my care credit was changed, the last name was my old last name from a previous marriage that I had returned to my maiden name back in XX/XX/XXXX. I was curious when my name was changed and why? I never had this acct back then and have dealing with a situation where I believe someone is gaining access to my accts and using information to obtain documents which may not be real and have made my credit and ability to use my cards in an emergency like I'm about faced with now a real problem. So I would like to know where it's been used too.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B a creditor may not treat payment on pa credit card account under an open end consumer credit plan as late any purposes
Product: Mortgage

On XX/XX/XXXX of 2022, I applied for a Home Equity Line of Credit with Bank of America. 

The process was a display of sheer incompetence on behalf of Bank of America. Specifically, asking for the same documents multiple times, not communicating status, not returning calls when I wanted specific information, assigned loan officer didn't return calls, customer service reps providing conflicting information when I called multiple times. 

After several weeks of this, I lost total trust in Bank of America and asked them to withdraw my loan. To add insult to injury, after my cancellation request, they added themselves as a lienholder on my home insurance without my permission.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on the negative items on my credit report. 
They stated that everything was accurate. I did a thorough research myself and found that it is still inaccurate on my credit report. 

Account- XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account- XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX in accordance with the fair credit reporting act each account above 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX - XX/XX/year> :
Product: Money transfer, virtual currency, or money service

Need funds released to me for use. They have made it so I cant use my account but have taken my funds