23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Valley National Bank is charging me a late fee of {$65.00} because I made the remaining balance of {$33.00} two days late, which was the balance for the annual escrow adjustment. Bank employee left a voice message on the XX/XX/XXXX without any details and never called back when I left a voice message trying to find out what the initial message was for. When I called back again he informed me that the {$33.00} balance was received but I now have a late fee to pay. I requested that the fee be waived or lowered since the fee is almost twice the amount of the {$33.00} balance. He was unwilling to help. 
I believe it is unfair for a bank to charge such a large late fee when the vast majority of the monthly balance was paid ( {$1900.00} old payment compared to {$2000.00} new payment with escrow adjustment ). The mortgage payment statement only stated that the " if payment is received after XX/XX/18, {$65.00} late fee will be charged ''. My payment of {$1900.00} was made on XX/XX/2018 and the {$33.00} was made sent from my bank on XX/XX/2018. It does not indicate that if the payment was not received in full that the late fee would apply. 
Overall, this is poor customer service. If I did not follow-up with the employee. I would be incurring additional late fees for not knowing the first one was incurred. I hope they review their banking practices and treat their customers more fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 section 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 written 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 any purpose.
Product: Checking or savings account

I opened an VIO account on XX/XX/XXXX, with a transfer from my XXXX XXXX account. XXXX showed a balance of XXXX, and my XXXX XXXX showed the transfer completed on XX/XX/scrub>XXXX XXXX XXXX, so I used funds in that XXXX XXXX account to transfer to another account at a different bank ; but the next time I logged in to my VIO account it showed a XXXX balance. I called them and asked why and was told the transfer was not yet complete. I explained that my XXXX XXXX was showing it WAS completed on XX/XX/XXXX. I was so annoyed I asked to close the new VIO account and stop the transfer, since, as they said, it had not yet completed. I was told they couldn't do that and it would take 4 or 5 days for the funds to go back. ( Not sure why it takes so much longer to go in the other direction especially given the fact that they said they were not even yet IN the new account, and why they could not just stop it. ) Today is XX/XX/XXXX and I checked and not only does the VIO account NOT show it is closed as I requested, it still has a XXXX balance ... and yet the money is NOT yet back in my XXXX XXXX  account. Where is my money?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Thank you for responding. 
I am attaching the XXXX XXXX XXXX suit that XXXX XXXX group prepared for us in their findings on our loan history. 
They had proved mortgage fraud, but it seems like no one can get anything done in XXXX in behalf of the consumer. Our loan was illegally pushed by XXXX XXXX XXXX. The property appraiser that worked with XXXX XXXX was arrested for over appraising homes, to push and get loans approved for XXXX XXXX. XXXX bought the loan and would never really work with us for a loan remodification they just went through the motions. They had XXXX different offices in XXXX states within XXXX that sent us XXXX sets of fees and tacked them on to our loan creating a bigger mess. When we first applied for a loan remodification the representatives at XXXX financial had said they would work with us. We kept getting request for the same paperwork package three times not realizing that they had XXXX different offices within the same corporation in XXXX different states working on the same loan remodification. After they told us we did not qualify they tacked on all the back fees to our loan from XXXX different applications so it was times XXXX because no one from their company was communicating with anyone else. When I started to complain they sold us to XXXX. We found it so frustrating and wondered how they could get away with this. My wife XXXX and I then tried through the XXXX XXXX XXXX to get help out of XXXX, to see if through them, we could get results. In the beginning they put us through the process of applying for the loan remodification. When the XXXX XXXX group pressed they sold us again to SPS who decided to tenaciously hold ground and not help us. We found out later that XXXX owns both XXXX and SPS, How convenient. After XXXX XXXX XXXX proved Mortgage fraud committed by the banks which I have sent the prepared custom Lawsuit in an attachment to you XXXX XXXX XXXX gave up and said that because the Banks were not cooperating the only alternative was to sue. Since all this we had to pay back all fees and try to catch up the loan so as to avoid foreclosure. 
The banks are playing games with the consumer and the Federal Government and we are desperate to get help. If we had not been granted the refinance on our home loan that XXXX XXXX wined and dined us to process and get us to sign for, we would be only a year and a half from our loan being paid off. We felt stupid that we let the mortgage loan officers from XXXX talk us into thinking this was the right decision for us. 

Again thank you so much for even just a response. 

Please help us, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint against Fair Collections and Outsourcing INC regarding their improper handling of a disputed debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The collection agency contacted me regarding an alleged debt, which I formally disputed via certified mail on XX/XX/year>. I requested validation of the debt, including documentation proving the debt is valid and owed by me. I provided evidence of my dispute, including XXXX receipts confirming delivery of my dispute letters, yet they continued to report the debt to credit bureaus during the dispute process. 

In response to my dispute, the agency claims to have mailed a " verification of debt '' on XXXX which appear to be a lease signed by someone who apparently used my name. I formally notified them via certified mail that I have no knowledge of ever having any business whatsoever with the company shown on the paper. I was surprised to find out that they reported the account to the credit bureaus. When I contacted them via email and certified mail, they claim to have sent me an affidavit of fraud following my second correspondence that i never received. I have requested proof of mailing for this affidavit, which they have not provided. I explained to them that an affidavit alone does not satisfy the debt validation requirements under the FDCPA, as it fails to include documentation such as original contracts or clear proof of my liability for the debt. 

Despite my timely dispute, the agency reported the debt to the credit bureaus without proper validation. This violates : FDCPA Section 809 ( b ) : Reporting a debt while it is under dispute without validation is prohibited. 
FCRA Requirements : If a debt is disputed, it must be reported as " disputed '' to the credit bureaus. The agency has failed to ensure compliance with this requirement. 
Additionally, this collection agency has a history of non-compliance with consumer protection laws, as evidenced by public records and their BBB rating of " XXXX '' Resolution Sought : I request the following actions from the collection agency : Retract the debt from all credit bureaus until proper validation has been provided. Update my credit report to reflect this as required by law. 
Provide a detailed record of all correspondence they claim to have sent, including proof of mailing for the affidavit of fraud. 


If these steps are not taken, I ask the CFPB to intervene to ensure compliance and prevent further harm to my credit record. Thank you for your assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Opened Chase Southwest Business Card in XX/XX/XXXX - per agreement, spend {$3000.00} in first 3 months, and receive XXXX bonus points. Spent {$3000.00} by first statement closing date of XX/XX/XXXX. Rewards of XXXX points issued to Rapid Rewards account for dollars spent but XXXX bonus did NOT. Contacted Chase on XX/XX/XXXX who said account shows note of " XX/XX/XXXX - Externally earned rewards XXXX points ''. Chase said to contact Southwest and let them know. Contacted Southwest rep on XX/XX/XXXX said they need Chase to transfer points. Contacted XXXX  ( account supervisor ) at Chase on XX/XX/XXXX who conveniently said there is nothing Chase can do to issue the points and they will show in XXXX. I informed all parties ( Chase and Southwest ) that the entire reason for opening the account and spending that amount was to earn the bonus rewards that would count for my XXXX companion pass ( per the terms of agreement - all points earned in XXXX count and the account services at Chase when I contacted them about opening the account and chose a closing statement date ). Southwest is saying points have to be expedited on transfer from Chase. Chase is saying there is nothing they can or will do and it will show in XXXX thus voiding my companion pass rights for XXXX. Without these points, I do not qualify for my companion pass and it seems someone is playing a game trying to keep consumers from obtaining this pass when they have rightfully earned it based on earning the necessary points in the calendar year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment XXXX. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** XXXX XXXX XXXX XXXX XXXX {$450.00} and {$330.00} XXXX : FCRA Section XXXX - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is " XXXX XXXX XXXX XXXX' instead of " XXXX XXXX XXXX '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries. 

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section XXXX, which grants me the right to dispute inaccurate information on my credit report. 

**Enclosures : ** Copies of the dispute letter sent to XXXX XXXX XXXX XXXX 
Proof of mailing and tracking numbers for the dispute letter. 
Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This account was previously removed and was reinserted multiple times with any notification at all and this company keep violating FCRA 611 5 ( B ).
Product: Payday loan, title loan, or personal loan

Issue - Your company is attempting to collect a debt without a contract. 
Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
Applicability - Your company is attempting to collect a debt in the amount of {$9300.00}. There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). 

XXXX XXXX is a respected professional in her community and has put a lot of effort into building a positive reputation. The Plaintiff is a resident of Florida, and has worked as a business owner in the community, and at all this time, the plaintiff has enjoyed a good reputation. 
The plaintiff believes that the defendant has been maliciously spreading false and unfounded statements that are causing serious harm and damage to their reputation, misrepresenting their character. 
Under the laws in the State, it is illegal and unlawful for a person to intentionally spread false statements with the intention to harm a persons reputation without factual evidence. 
As a result of the defamatory statement, the plaintiff has suffered the loss of her reputation, shame and caused alleged damages.
Product: Credit card or prepaid card

I have been using CareCredit for nearly XXXX decades and it has always been the same : I have 1 year to pay off the balance ; they divide the monthly payments so, as long as I pay the minimum payment amount, then it will be paid off in full within 1 year and I have no interest charges. This has been the case multiple times over the past XXXX years. 

I charged {$1700.00} to my Care Credit card in XX/XX/XXXX. I immediately agreed to set up automatic payments each month expecting the balance to be paid off by XX/XX/XXXX. But Care Credit changed this to a XXXX term without adjusting my minimum balance accordingly. So they have been charging me a total of {$380.00} in interest since XX/XX/XXXX. My current balance is {$1500.00} even though I have been making monthly payments for nearly 1 year ( totalling {$520.00} )! My acocunt balance should be {$1100.00}. 

This is total deception! How can they expect anyone to pay this off? My {$520.00} payments only took {$140.00} off my balance! That is a 72 % interest rate!!!! 

I need the {$380.00} in interest reversed and then I will pay the balance that is remaining in full today ( {$1100.00} ).
Product: Student loan

I have filed multiple CFPB complaints on this issue, that supporting documentation will be attached. 

I had a series of private school loans through Iowa Student Loan/Aspire . The loan breakdown is as follows : XXXX  XXXX Loan Date ) - XXXX XXXX {$2000.00} original balance XX/XX/XXXX ( Loan Date ) - XXXX XXXX {$6600.00} original balance XX/XX/XXXX ( Loan Date ) - XXXX XXXX, {$8500.00} original balance As provided in the attached documentation, Aspire issued me a 1099c for the XX/XX/XXXX & the XXXX  loans, they issued this 1099c to me in XXXX ( attached. ) After a long delayed battle with Aspire, they FINALLY updated the 1099c to reflect the correct indefinable event code. As XXXX XXXX points out in her response to CFBP, she notes that Aspire had right to write off this debt as it was time barred and Aspire was in legal right to do so because of their " administrative policies. '' However, in XXXX Iowa Student Loan/Aspire filed small claims against me for the XX/XX/XXXX loan, which held the EXACT same characteristics as the other two loans - it was time barred and had not received payment in over 10 years. 

XXXX XXXX is yet to identify how/why the XX/XX/XXXX loan could have further action taken against it in XXXX yet the remaining XXXX loans ( XXXX XXXX XXXX ) bearing the SAME account standing was not written off, but further pursued for payment. What " policy '' does XXXX XXXX have that supports that choice that is in legal compliance of state and federal law? 

To quote XXXX XXXX 's response, " XXXX XXXX signed a promissory note and agreed to the terms as outlined in the credit agreement when she applied for the private education loans. Copies of the signed promissory notes and credit agreements were sent to XXXX XXXX in XX/XX/XXXX notifying her that the balance on the loans had been written off, but we are resending them directly to her again along with a copy of this response. The credit agreements were issued under Iowa law, and they clearly identify the provisions for default. Under Iowa law, the statute of limitations for collecting on unpaid debt that stems from a written contract is 10 years.Because payments were not received from XXXX in that time period, the debt went out of statute. As a result, Aspire Servicing Center wrote off the loans on XXXX XXXX XXXX At that time, the IRS required the issuance of the 1099-C. The 1099-Cwas provided to both the IRS and XXXX XXXX for theXXXX tax reporting season. XXXX XXXX has stated that Aspire Servicing Center has refused to provided documentation of the reason for the 1099-C. The1099-C is used for the cancellation of debt as stated on the form itself and on the XXXX form issued by Aspire Servicing Center. XXXX XXXX contained student loan as the debt description and provided the date of the identifiable event in XXXX XXXX.

This further support that Aspire/ISL took action - by issuing me a XXXX 1099c to hurt my credit by placing me in arears with IRS yet fails to state what policy allowed them to do so, yet take legal action on debt that was older?
Product: Credit reporting or other personal consumer reports

Credco consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX charge-off reporting on my credit file due to multiple factual errors and inconsistencies across TransUnion, Experian, and Equifax. 
DISPUTE DETAILS : Creditor : XXXX XXXXXXXX Account Number : XXXX Balance Discrepancy : TransUnion & Equifax show {$2900.00}, but Experian shows $ O. 
Charge-Off Dates Are Inconsistent : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Account Status Conflict : TransUnion & Equifax say `` Charge-Off '', but Experian says " Account was in dispute - now resolved. '' If the dispute was resolved, Experian must update OR delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.