23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I XXXX XXXX are providing to you a statement of dispute. 
This is for the collection account with National Credit Systems. I received a collection notice for a prior residence at XXXX XXXX XXXX  claiming that I owed {$11000.00}. When I called the number on the collection notice at National Credit Systems I was told the debt account was no longer being handled by National Credit Systems that another party had the account. I was given another number to call. Spoke with a gentleman who could not provide solid clarification on exactly what the {$11000.00} balance was in reference to. I explained to him what happened at my last residence. Explained that I did not sign any contracts agreeing to any increases in rent, was never provided a late notice for any month prior to be moving out on XX/XX/XXXX. Was told by the leasing office just before moving that they never received rent for 11 months from the renting agency I was receiving a rental subsidy from. Yet was never provided a late notice or demand for rent any of the 11 months they claim they never received rent. Was never evicted, taken to court. I gave my 30 day notice in XXXX and still was never provided any documentation for this balance. Requested validation of debt from XXXX XXXX prior to moving was never provided to me. The collection agency had no idea specifically what the debt was from. I requested verification of a prior lease they did not have that documentation either. How can a resident reside at a property and be told 11 months later that they owe almost a years worth of rent, and never be evicted or taken to court. No judgements filed. Please remove this item due to being inaccurate and unsubstantiated. Theres no signed documents or proof of this debt. This collection is significantly impacting my financial future alongside providing a good quality of life for my XXXX child. 

Thank you for your attention to this high level of importance. 

XXXX XXXX XXXX.
Product: Vehicle loan or lease

1. I, XXXX XXXX XXXX XXXX hereby submits my complaint to the Consumer Financial Protection Bureau against Toyota Financial Services for the following reasons : 2. I have been unemployed for nearly one year, and during that time I exhausted my savings to main my payments on my vehicle secured with Toyota Financial Services. 
3. I am a professional person who has throughout my career made a respectable living, and believe that Toyota Financial Services should approve a payment plan for my vehicle. 
4. My interest rate on my vehicle is 16 %, an extraordinary rate that borders on being usurious. 
5. A recent communicate from my wife XXXX with a representative of Toyota Financial Services went to the point that it was explained that I was now gainfully employed, and that I could within the next two weeks make a payment of {$3000.00} on my vehicle loan, bringing the unpaid balance down to {$3300.00}. She was told that the vehicle needs to be repossessed instead. 
6. A repossession would mean that upon resale, a collection could be placed my personal credit rating, and that a deficiency judgment could be procured against me personally, giving me no choice but to file for personal bankruptcy. 
7. I do not accept a volunteer surrender and a repossession would place me without transportation to and from my employment, causing a serious financial set back. 
8. Toyota Financial Services must accept my {$3000.00} payment on or before XXXX XXXX, 2017, and I will agree to additional monthly payments of {$3000.00} until the vehicle loan is brought up to date, if not exceeding to the point of over-payment on said account. 
9. The hard stance by the representative of Toyota Financial Services is uncalled for, and the interest rate must be brought to within a reasonable limit of 7.5 %. 
10. My payments will be made by cashiers check payable to Toyota Financial Services, and all payments will be made by cashiers check until its brought current and/or showing over-payment on the account. 
11. Toyota Financial Services most likely securitized my vehicle loan into a pool of funds known as a securitized trust, and accordingly, I request a full accounting as to the actual ownership of the debt in question. 
12. I request an investigation into the hard money lending practices utilized by Toyota Financial Services, as they have use excessive interest rates in the procurement of my vehicle loan. 
13. Toyota Financial Services is part of Toyota Financial XXXX XXXX, governed by the Federal Deposit Insurance Corporation FDIC Certificate No. XXXX. 
14. The FDIC must investigate the border line usurious rates Toyota Financial Services procures on American consumers. 
15. I will make the payments as scheduled, and I demand proof of debt ownership without a qualified written request within the guidelines of the Fair Debt Collection Practices Act. A federal act and legislation that Toyota Financial Services is in serious violation of.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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/XXXX
Product: Credit card or prepaid card

I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed already. I called again in XXXX and then on XX/XX/XXXX I spoke with supervisor XXXX about account not being closed in XXXX or XXXX and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email XX/XX/XXXX saying that I owe Total CC XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau monthly. This company then continued the problem by lying to the CFPB I reached out to them in XXXX and they said that they removed all fees which should have brought the balance to XXXX  which it did at the time. Then in XXXX they charged a fee of XXXX even though I called in XXXX XXXX to XXXX to close the account. Then they charged mthly fees & late fees in XXXX, XXXX, XXXX, and XXXX. I called every month and every time they promised they would fix the problem. They need to erase the fees and the balance on this account. I closed this account with a XXXX balance in XXXX period. So I should not have any balance and there should have never been late fees charged or reported to the credit bureau. Everytime they waive fees they live a balance like right now there is a balance of XXXX cents even though they stated to the CFPB that the account was finally closed properly as of XX/XX/XXXX. Apparently they leave a balance so the ACCOUNT stays actively accruing fees and interest even after closure of an account.This is the longest its ever taken to close an account and be done with a company in my life.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

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 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 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 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: Debt collection

On XX/XX/XXXX oXXXX XXXX, I received a phone call from an " unknown caller '' at XXXX XXXX A voicemail was left simply stating that I needed to call a person back named XXXX XXXX immediately. In addition, my spouse received the same phone call and voicemail at XXXX XXXX. 

I called Mr. XXXX back at XXXX  XXXX, to inquire about the reason for his call. He stated that he was collecting a debt from XXXX XXXX, a total of {$210.00}, and that this needed to be paid by XX/XX/2021, in order to not go have a bad mark on my credit score. This was stated via phone call. 

I proceeded to ask about the amount and if I could get an itemized report of where this amount of money came from. He said that it is too late and that I can not receive this information. He stated that he was calling on behalf of XXXX XXXX and that my account came to them after being delinquent at XXXX XXXX. He also claimed that I was 90 days delinquent, however I have never received any notice of this before today, XX/XX/2021. In addition, he would not provide me with a number to call so that I could receive any more information about this debt that he stated that I owed. 

I requested on the phone that he send me an email outlining the debt that I supposedly owed. This is attached below. 

My last communication with XXXX XXXX owner, XXXX XXXX, was on XX/XX/XXXX, when I cancelled my account via postal mail, where I included my key fob that gives access to the gym. I have not received any further communication with Mr. XXXX regarding any further debts or charges, until today, XX/XX/2021, from Mr. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Checking or savings account

Dear [ CFPB Representative/Department ], I am writing to seek assistance and clarification regarding an issue I have encountered with WePay, an online payment service provider. Despite my compliance with all requested documentation, WePay has retained my funds for an extended period of 120 days without providing a clear rationale and subsequently closed my account. 

Details of the Incident : Timeline of Events : Date of Transaction Initiation : XX/XX/24 Date of Fund Hold Notification : XX/XX/24 Ticket # XXXX Submission of Required Documentation : XX/XX/24 Ticket # XXXX Notification of Account Closure : XX/XX/24 ticket # XXXX Actions Taken : I have emailed them over 15 times trying to get clarification and they can not give me any reason at all and keep telling me they are holding the funds for 2 separate transactions one for {$1800.00} and the other for {$900.00}. These are two separate clients and i provided all necessary documentation to them prior on XX/XX/24 I provided all necessary documentation as requested by WePay to verify the transactions and my identity. 
I have repeatedly contacted WePay customer support for explanations and to resolve this matter, receiving only generic responses about their 'risk management policies '.

Impact on Me : The held funds amount to [ Insert Amount ], which represents a significant financial setback and affects my ability to manage my business/finances.

The unexplained account closure has left me without a critical financial service and has tarnished my reputation in my business dealings.

I kindly request the CFPBs intervention to investigate this matter. I wish to understand the specific reasons behind WePays decision to hold my funds and subsequently close my account, and to explore potential solutions to recover my funds.

Thank you for your attention to this urgent matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

After reviewing my last Transunion consumer report - File # XXXX XXXX.I am not asking Transunion to verify or validate any debt., I'm electing to opt out of any & all authorization of reporting of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX records pertaining to me. that I the consumer may have given you, either in writing, non-written or verbal or non -verbal per 15 USC 6802 & 16 CFR 313.7. This is effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

- in XX/XX/2020, I called Carrington Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by 1 week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to Carrington Mortgage and have written to their Claims department but they have rejected my pleas.

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with Carrington Mortgage.

- My credit score plummeted and I need to get a loan to pay bills due to Covid19 pandemic. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.
Product: Mortgage

We refinanced our home with LoanDepot to make home improvements. After we signed closing documents and the 3 day rescission period expired, they claimed that the boilerplate Compliance Agreement we signed required us to make repairs to the lower deck on our home as a condition for obtaining the funds. We requested that they provide the closing document that imposed the condition and they have failed to do so because we are quite certain that no such document exists. However, LoanDepot is steadfastly refusing to dispense funds claiming that we agreed to conduct the deck repairs as a condition to receiving the loan.
Product: Mortgage

I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off Account on Credit Report To Whom It May Concern, I am writing to dispute a charge-off account that is appearing on my credit report. The account in question is with XXXX XXXX, and it has been marked as charged-off. However, I have recently received a 1099-C form from XXXX XXXX indicating that the debt has been settled. 

Despite the debt being settled and written off by the original creditor, the account is still showing a balance on my credit report. This inaccurate information is adversely affecting my credit score and financial reputation.

Enclosed with this letter are copies of the 1099-C form and any other relevant documentation supporting the resolution of this debt. I kindly request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Failure to do so may result in legal action.

Please provide me with written confirmation once the disputed item has been removed from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of 1099-C form Any other relevant documentation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to explain the details of my communication with Moneygram since doing the transaction on XX/XX/21. 
On XX/XX/21, I used the moneygram app to send {$2400.00} to my mother, in XXXX to cover her health insurance. The money gram gave me the option to pay it into her XX/XX/XXXX bank account and on doing so, informed me that the transaction was successful and complete. It gave a reference for the completed transaction. However on my mothers end the money never showed up. On waiting for a week I called moneygram and they said they would start an investigation that can take up to 90 days. I would frequently call to check on any progress and after being put on hold for at least an hour or more would always be told they are still investigating and not to call but wait for an email.I was not allowed to talk to anyone in the investigation department, it would always be customer service that would have no further information and would rudely say you need to wait the 90 days, why are you calling I finally did hear back from them end of XXXX and was informed by email that the money did reach my mothers bank account although delayed and they would return back the {$1.00} transaction fee. On checking with my mother, the money was still not in her bank account. 
I called moneygram back and they said they would start another investigation, which could take up to 90 days again. 
In the meantime my mother went to her bank, XXXX XXXX and was told they do not accept money directly from moneygram and it usually goes through a smaller bank that then sends it to them. The bank confirmed that the money was never received. 
I continued to call moneygram to be told its under investigation but the last time I called I was told they had no information on me or the transaction. After going through a lot of departments and managers. I was told my account had been closed and there was no explanation on why. Finally I was told they would investigate and send me an email in 2-3 days on why the account was closed. It had been over a month and I was still to hear from them. I called them back today and was told my account was closed because I had gone to my financial institution XXXX XXXX XXXX XXXX Bank ) and should now communicate with them and get the money off them. XXXX & XXXX were not able to help me. 
It has been very frustrating and upsetting as this money was really very important for my mothers health and having had the run around for over 6 months has been overwhelming. It is not a small amount of money that can just be ignored, moneygram must be held responsible for it and not be able to just wash their hands of it. 
Please find enclosed the receipt of the moneygram transaction as well as a bank statement from my mothers XXXX XXXX bank showing the money was never received
Product: Debt collection

I had a unsecured loan with oportun  XXXXXXXX XXXX XXXX. It was charged off and sold to XXXX XXXX XXXX XXXX. We worked out an agreed upon settlement to pay off the debt. I reached out to oportun to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to XXXX XXXX. XXXX XXXX  said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.
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 Proceedings 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service & unfair practices, which violate the Consumer Finical Protection Act ( CFPA ). Specially, Cash App failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. These actions have caused significant inconvenience & finical loss, & I seek appropriate redress for these violations.