23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, i called Chase bank ( XXXX card ) to see if they 'd lower my interest rate from XXXX % to something reasonable so I could pay it off. The account was already closed due to default. I told them I was having trouble paying the balance off and I was in jeopardy of losing my job. They refused to do anything. Fast forward to XX/XX/XXXX, I 've now lost my job and I paid off my balance in full ( I went online to Chase and it said my balance was {$10000.00} ). Today, I went online to Chase, and I see an interest fee of {$160.00} posted on XX/XX/XXXX. I called Chase, spoke with a woman named XXXX ( I believe I heard that name ), and told her that is n't right ... I paid my balance in full, I should n't get another fee, billed a week after I paid off my balance. She said its correct, she refused to waive it, and I 'm not inclined to pay it. I 'd understand if I paid after the statement closing date but that was n't the case. I paid the statement balance prior to the closing date. 

Frankly, I 'm mad and I feel that this is the treatment women get. This is n't right, it 's bad business, I paid them a lot of money, a lot of fees, and they should eat their phony interest fee. 

Am I wrong? Is there anything you can do to help me? I am so tired of feeling taken advantage of. 

Thank you. 

Sincerely, XXXX
Product: Student loan

In XXXX I took out two private loans from Sallie Mae to attend The XXXX XXXX XXXX XXXX. The loan amount in total was for {$30000.00}. I currently owe {$31000.00} this is 16 years later. I attended ONE year of school. Sallie Mae became Navient in XXXX so there is 6 years of undocumented payments ( I have attached the payments that have been documented ). I have struggled immensely for 16 years to make monthly payments. The XXXX XXXX and Navient are both predatory organizations that prey on young and naive people. I had no idea what the difference was between a private and federal loan as this was never explained to me, XXXX XXXX who worked for The XXXX XXXX signed my promissory note from Sallie Mae and failed to explain the difference between the two different types of loans. Apparently in order to get this loan I needed a co-signer which in the application my dad co-signed but neither one of us remember agreeing to him co-signing and there is wrong information within the promissory note which I high lighted in the documents attached. I became totally and permanently disabled in XXXX due to my mental health which includes severe XXXX, XXXX  and XXXX disorder. I blame Navient for a role in my XXXX  XXXX as it has caused severe mental stress in trying to make the payments and now I am XXXX XXXX XXXX with no savings because they refuse to work with me and I can not afford the monthly payments. I can not apply for the XXXX discharge because the debt would go to my Dad which he can not afford either. I was unable to get the co-signer discharge because one of the requirements was to have graduated from the again predatory school The XXXX XXXX XXXX Minnesota, which I ended up only going to for one year. I have begged, cried, and had a mental break down while on the phone with Navient recently to try to have them work with me to find a solution to this absolute financial abuse I have endured for the last 16 years. It is currently known that federal loans have been being discharged to victims that attended The XXXX XXXX, these private loans absolutely need to be discharged as well. This is a crime what Navient is doing, preying on people who were naive and uneducated about what they were signing. I have attached some of the payments but there were too many to attach them all.
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 Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX/DOFED Account Number XXXX Account Name : XXXX/DOFED Account Number XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, Ms XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXX 's and quad graphics. Please remove these items account names and phone number from my credit report.
Product: Mortgage

I have submitted a complaint about Freedom Mortgage in the past. I requested an apology, the lowest interest rate available and my fees for my refinance to be waived as they have lied to me several times and I have emails documenting their lies. I requested a personal apology but they thought that their response to the complaint was " good enough ''. I was not given the compensation or the apology that I requested. I have spend over 2 months working on getting this refi completed and have lost out on over {$600.00} that they promised me that I would save. I have spend hours on the phone with this company and they refuse to own their poor behavior. They also sent me a response that was intended for someone else, so they have failed to maintain confidentiality, and even provided me with that person 's personal information.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  multiple times I have disputed errors for this account including dates and amounts and both have gone unanswered or provided proof of amount. XXXX XXXX XXXX XXXX. 

XXXX- Genesis Credit Managment . No knowledge of account and have lived in the same place for 5 years and this is the second complex they have put on my account. The first one was removed and proved fraudulent then they added another one. Total XXXX
Product: Debt collection

I do not believe I owed what the creditor says I owed. To my best of knowledge, I had never received anyone who contacted me about an unpaid balance. I do not recall this debt, and as a result this debt may have been fraudulently conceived. I respectfully ask that you provide me with the following documents to verify that I in fact, owe this debt. 
1. A written contract between the original Creditor and myself, that was signed by me. 
2. All monthly billing statements that show the location of purchases or balance transfers and the amount of each, that lead to the calculation of the balance you claim I owe.. 
3. Proof that you have the legal ability to collect debt in my state of Florida. 
4 Proof that you own this debt. 
5. Copies of any payments that were alleged to be made by me, or someone i authorized. 
6. Copies of receipts which shows my signature, or the signature of an alleged authorized user. 


Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : * Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; * You can not add interest or fees except those allowed by the original contract or state law. 
*You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; I asked for the company to verified the debt they sent back a letter that says XXXX XXXX XXXX that is not my name my name is XXXX XXXX XXXX XXXX 

I thank you in advance as I try to take the appropriate steps to separate my good name from possible fraudulent debts. 

Thank, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax reinserted delinquent ( fraudulent ) payment history XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX without notifying me or giving me notice. 

Furthermore, Equiifax being the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted on your account and provide contact information for the company that furnished the information. 


I have attached screenshots of XXXX account to indicate there were no delinquencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an account on my credit report that listed as Kohl 's Charge Card and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.
Product: Debt collection

IQ Data - XXXX XXXX {$5300.00} XX/XX/2019 I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively Rent debt Tailor common medera {$1900.00} I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively. 

I even confirmed with the manager of the property that this wasnt my debt and they agreed to remove it. However, when I disputed the amount through the credit bureau they are declaring it as my debt
Product: Credit card or prepaid card

I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. 

When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. 

What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against First Premier Bank for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority.

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXXXXXX XXXX  XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXX XXXX XXXX disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of 1974. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$4400.00}
Product: Credit card or prepaid card

I am writing in regard to the charge off accounts on my credit report for my Discover card. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX   and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/2023 Shellpoint Mortgage Servicing Legal and Dispute Department XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Prepayment Penalty Amount Loan Agreement # XXXX To whom it may concern, I am writing this letter to formally dispute the prepayment penalty amount that was recently deducted from my loan payoff balance. As per my original loan agreement with XXXX and in accordance with Ohio state statute ORC Sec. XXXX, the prepayment penalty was to be calculated at 1 %. In correspondence with your closing company, you initially provided the correct payoff amount based on the terms specified in the loan agreement, which included a prepayment penalty of 1 %. 

Subsequently, 10 days after closing, I was informed that the prepayment penalty was actually 3 %, and I was requested to remit the higher amount along with additional fees and interest. 

I would like to emphasize that this discrepancy contradicts both the terms of my agreement with XXXX and the Ohio state statute. As a result, I request that the incorrect prepayment penalty of {$6800.00}, which was deducted from my loan payoff, be adjusted to the accurate amount of {$2100.00} in accordance with the original terms outlined in my loan agreement and the Ohio state statute. 

I believe in resolving matters amicably, and I sincerely hope that we can come to an agreement on this issue. However, should we not be able to find a suitable resolution, I may have no alternative but to pursue legal action to recover the undue charges.

I would like to bring to your attention that I never agreed to or signed any documentation reflecting a 3 % prepayment penalty. The amount I agreed to, both in my loan agreement with XXXX and in compliance with Ohio state law, was 1 %. It appears there may have been a misunderstanding, error, or miscommunication that led to this discrepancy. 

I am attaching copies of both the loan agreement provided by XXXX and a copy of Ohio state statute ORC Sec. XXXX for your reference. As you can see, the terms of the prepayment penalty are clearly outlined in both documents, specifying a 1 % penalty for each of the first XXXX years of the loan term. 


If there are any additional documents or information required from my end to expedite the resolution process, please do not hesitate to inform me. You may contact me at XXXX or XXXX at your earliest convenience. 

Thank you for your cooperation in addressing this matter promptly. I trust that this issue will be resolved in accordance with the loan agreement and Ohio state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Enclosures : - Copy of Loan Agreement with Kiavi - Copy of Ohio XXXX XXXX XXXX Sec. XXXX ( https : XXXX ) - Copy of the emails in regard to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft since XXXX I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX XXXX account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.