23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : RE : Right of Rescission Dear XXXX XXXX XXXX I, XXXX XXXXXXXX, Original Creditor and Natural Man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX XXXX XX/XX/2024. 
I entered into this contract agreement with XXXX XXXX XXXX without : I. Full disclosure of my right to rescind II.

Transparency regarding the process of the consumer financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ).

credit application being that I have reason to believe that XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S.

Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

In addition, I was given false and deceptive information, as I was informed that a down payment of {$4500.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S.

Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.

Furthermore, the down payment reimbursement of {$4500.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced with XXXX XXXX  XXXX and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXXXXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now XXXX reported me late for the XXXX payment and I am requesting they remove that late payment from my Transunion credit report. The XXXX agent gave me incorrect information. If you check the records, my payment was made on-time ( not 30 days past due, it was 29 days ) and it was cancelled the next day. It is unfair to force consumers to pay 2 months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I closed/ payoff a business line of credit with PNC bank XXXX The Payoff Disclosure document contained " exhibit A payoff information ''. The charges were assed as follows : " Other fees '' {$170.00} ( with no description of fees?? ) & {$94.00} in late charges all of which were waived by the bank during the ~20year course of the line of credit. I initially spoke with PNC case manager on XXXX by the name of " XXXX XXXX '' for an explanation of the charges. During this date & all subsequent dates of contact with the case manger the same activity took place. I would be put on hold several times during the call while they claimed they were reviewing my account. On every single occasion she would come back to the phone and tell me they did not find any " exhibit that referred to my complaint & further investigation would be required. I was continually told someone would get back to me in a 48hrs of the contact, " which never happened ''. I spoke to XXXX XXXX on XX/XX/23 who indicated she would request copy of the " payoff letter '' and of course said she would get back to me, " which again it never happened '' I filed a complaint in a follow up PNC survey last week. & XXXX XXXX responded to the survey she would be contacting me soon ' to date I have heard nothing. In conclusion this matter is appalling and shows the shear incompetence of their inability to resolve simple issues. A case manger that can't retrieve a closing document from her own bank is pretty pathetic. PNC bank has no intention of providing a refund or a plausible explanation of these charges. As far as I'm concerned this is '' theft by taking ''.
Product: Debt collection

This Company National Credit System is in violation of the FDCPA for continuing to report on a Fraudulent debt on my credit report. I have already notified the credit bureaus over this matter, and also sent out a cease and desist letter regarding this matter. I have know knowledge of this debt and it is frivolous.If you all do not stop Harassing me I will be forced to proceed with further litigation in small claims court!
Product: Credit card

I recently transferred a balance from a high rate card to a 20 month XXXX rate card. Negatively affected my credit score due to low limit on 0 % card, with balance : limit ratio & gt ; 30 %. Nowhere in disclosures is this deleterious credit impact mentioned. Just WRONG! Should be disclosed in information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company is reporting twice ( for the same debt ) on my credit report. I tried disputing it ( both ) but theyre still in my credit report which is hurting me.
Product: Debt collection

TRANSWORLD SYSTEMS INC placed a collection on my credit report. They did not contact me, and this debt does not belong to me. I 've never done business with or heard of this company.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I sent the gift card to someone and they can't be able to redeem it. 

I emailed XXXX, the credit card and the Giftcards.com They won't help me with my situation. In attachment document... I have proof that there is no XXXX XXXX gift card. 

on XXXX XXXX account. 

Then Giftcards.com response was send her a card so she can redeem it. 
I told them that we aren't going to redeem it, we want our money back. 
They won't refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a federal bankruptcy on my credit report. The reference number is : XXXX for the amount of {$0.00}. It says the file date is XX/XX/XXXX. This information is incorrect and is hurting my ability to obtain credit. I couldnt of possibly filed in XX/XX/XXXX when I wasnt even born until XX/XX/XXXX. I would like this information removed immediately.
Product: Checking or savings account

Obviously a scam, you'll never get your money back once they have it! I opened a savings account only with Affirm on XX/XX/XXXX. I've been trying to close my account since XXXX since interest rates elsewhere are more than 7 times higher. They will not let me transfer the balance in my account out unless it's to the account used to fund their account. Who would keep an outside savings account open after moving the funds to a new account? All attempts are a completerunaround and wear you out tillyou give up. After failing multiple times since XXXX by chat, or phone, filed email complainton XXXX XXXX XXXX responded saying they'd resolve in 3-5 days and " they are forwarding to the appropriate department '' What is that exactly? Hearing nothing for 13 days, I responded to emailonly to have XXXX respond therequest canonly be handled by phone. Most calls require you to enter numerous security codes sent to your phone and shuffle you between departments and personnel until you give up or they drop you. For example, on XX/XX/XXXX, called them entered my relevant phone, address, name, TWO security codes at different points then they hung up on me. Called back, same XXXX eventually got XXXX in the " Account Closure '' department I guess, she was " unable to close the account until the Savings department sent my funds '', enter XXXX in the Savings Dep't. Again verify my name, phone, address, hold 10 minutes, advises " she can't help and must escalate to higher department ''. I asked repeatedly what that " higher department '' was only to be told " customer satisfaction '' and later that she was " looking for a manager '', another 20 minutes on hold. XXXX passes me to XXXX claiming to be a manager who after I explain again, tells me she can't give me my funds, I need to do it myself via their website. I explain AGAIN, how their website won't allow it telling me to call ... after warning me that she will hang up if I raise my voice, no cursing or threats, just loud, back on hold another 24 minutes. She returned to tell me she can't help me and took me on-line where I had to demonstrate that their system won't allow me to withdraw my funds. Again tells me she will " escalate to the proper department '' and when i pressed for timing again heard " 3-5 days ''
Product: Mortgage

to whom it may concern : i was made tax exempt on XX/XX/2019 so i sent a copy to my mortgage company, and they sent me a reply confirming they had received it and all changes were made, however, when i checked my statements i found that they were still taking taxes out for 5 months, so i called them to find out why they were still taking out taxes. the first person i talked to i asked them why they were still taking out taxes since i was tax exempt, they said let me put you on hold and hung up the phone, so i called back and the second person i talked to i asked the same question and also what was misc. escrow money and they said that is the money we sent to you and i ask why i never receive it, then they said we will issue another then i ask about the taxes they had taken out for the last 5 months and they said we will send another {$300.00}. and i said no so they transferred me to their supervisor and again the same question to the supervisor and the supervisor said we don't have any money for you so i said i will report your company to cfpb and they said go ahead i don't care
Product: Money transfer, virtual currency, or money service

Through Cash App, a friend paid me money he owed me : {$120.00}. I transferred the money in error to a closed Debit card with XXXX XXXX  whom I still bank with. I contacted XXXX to verify the transfer and they said it would be returned to my account at Cash App. To my knowledge that has never occurred. Despite multiple contacts, all they have done is closed my complaint and kept my money. They did respond to emails with simply, They will investigate but there is nothing they can do and then they close the complaint.
Product: Debt collection

I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.
Product: Debt collection

This company Synchrony Bank sold my debt to XXXX  collection agency XXXX of my debts. 
These debts are being paid by a third XXXX XXXX XXXX XXXX, I had given to pay XXXX years earlier and were scheduled to pay that are part of XXXX XXXX XXXX have paid XXXX large accounts and synchrony was next to pay.I have XXXX synchrony accounts and XXXX is being paid monthly which leaves XXXX synchrony accounts agreed at a lesser amount. 
This collection agency XXXX  have negative effect on XXXX XXXX after XXXX  years of repairing score with XXXX XXXX and should not have accounts in the first place XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit card or prepaid card

XX/XX/18, credit inquiry ran through XXXX  by XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX Ohio, XXXX for a XXXX XXXX Credit card. My credit is locked due to previous identity theft issue. I tried to call the customer service number XXXX and the number is not in service. 

I have not applied for credit with this company. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Original XXXXreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; ( Original Creditor : ) XXXX  XXXX Balance : {$35.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$33.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$35.00}.
Product: Debt collection

Written multiple letters to the creditor and I never received a response nor a copy of any documents supporting that the amount stated was owed by me.
Product: Mortgage

I have contacted Shellpoint ( Newrez ) several times regarding my homeowners insurance on loan XXXX. They refuse to pay my homeowners insurance to travelers insurance policy # XXXX. Now it has expired, and shellpoint is fraudulently charging my escrow account for overpriced insurance that they purchased for me. Shellpoint refuses to address this issue and I have wasted hours on the phone with them trying to get them to do their job which is to pay my travelers homeowners insurance. I want a refund on the fraudulent overpriced insurance charges placed on my escrow account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I received a cover letter and a check for {$3600.00} thanking me for taking out the personal loan. However, I never applied for the loan nor was I aware of this loan. I am unsure, but it feels like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Student loan

Today is XX/XX/year>, the day I'm scheduled to make my monthly online loan re payment for federal student loans with MOHELA. Last month I was notified that my account would be transferring from MOHELA to MOHELA and that this would cause some delays for 14 days. It has been long over that 14 day period, by at least a month, and my account still is in the " transferring process ''. This means that I can not make a payment on the old MOHELA site or the new one. On their website it says to send a money order or check to an address along with your MOHELA account number. I do not have an account number because my account is still being transferred. I called the company as they said a representative is always available, however a robot was the only thing answering my call. I will now summarize the following message I was given : your account is being transferred, we do not know when it will be done transferring, send a check to us if you have an account number. '' There was also no option to be transferred to someone who could answer my question regarding how to get an account number when I don't have an account. I don't want my loan to go unpaid, but there is physically nothing I can do.
Product: Mortgage

Loan payoff was made on XX/XX/XXXX via wire transfer to Ocwen Loan Servicing. To date there has been no Loan Satisfaction received from Ocwen. A message posted thru Ocwen 's website message system on XX/XX/XXXX requesting staus. Letter dated XX/XX/XXXX from Ocwen stated that most responses take 10 days, some take 30 days for a response. It is over 60 days since my request was submitted and there is still no response from Ocwen.
Product: Student loan

I have been paying on my Peaks student loan since 2010. I felt that from the start I was tricked into getting this loan. I was pulled aside from my class and told my federal student loan was not available so I needed to get involved with peaks. I was XXXX years old then. After realizing the scam that XXXX tech was I struggled to get a good paying job after graduation. With the lawsuit on the way by the SEC I think it 's about time even for myself to take a stand against the fraudulent acts of XXXX. 

I have sent this information for the 3rd time now. I have not received a call back from XXXX or no one else. So here I am sending it again.
Product: Credit reporting or other personal consumer reports

I am not associated with the inquiries or the creditors mentioned.