23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Corp Solutions is alleging I owe them a debt I do not. Credit Corp Solutions was not an original party to the any agreement that required me to repay this debt. They did not receive any court orders that resulted in a judgement therefore I do not have to agree to pay this debt and selling this deceptive information to the credit bureau is a violation of my rights. The debt has been canceled and claimed as income per the IRS so this debt can not be collected or reported. 

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) 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. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Vehicle loan or lease

Seeking a Resolution Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to XXXX Attachments XXXX XXXX ( 37 minutes ago ) to compliance Good Day Mr . XXXX, My account wasn't open or updated for me to have a late fee. My account states I owe monies for an account that wasn't open yet. First payment was made on time and was made in order to begin automatic payments. 

My recorded conversation will support my claim. In an ongoing pandemic I am responsible for mailing out and purchasing my grandmothers meds I can not afford a system mistake of a " late fee '' that is not applicable. I am asking for my account to reflect the {$78.00} and cents correctly and not the unlawful amount of $ XXXX. I am here only because customer service has chosen to apply unethical practices and I know I am sure to get better practices from higher management. 

Please let me know what can be done to resolve this issue. 

Thank you. 


Attachments to XXXX, Hello Mr . XXXX, I am seeking yet, another resolution. I am unsure how a paid account is not paid. First Investors has to be better than this. My screenshots are attached. 

There are no false claims to be made ; however, the system is absolutely false in what is owed. Please update your records to show the correct amount. This is an ongoing issue and must end or is this a corporate strategy to keep funds coming in? 

Please stop charging me fees that are not relevant to my account. 

FW : Incorrect Owed Amount XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to me, compliance Ms XXXX 



It seems you did not receive my response to your first email inquiry. 



To answer your concern, the total due amount on the account is correct because of late fees. The accrued late fees equal {$140.00} plus the payment of {$78.00}, leaves a total due amount of {$220.00}. I have attached a copy of your payment history for your review. Please let me know if you have any further questions. 



Kind Regards, XXXX XXXX Customer Care Team Manager First Investors Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Phone : XXXX Fax : XXXX XXXX XXXX My fear is that even after this complaint they will still find more fees to charge me with. This is messing with my credit for no reason.!.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

see previous cfpb complaints # XXXX, # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : UNAUTHORIZED INQUIRIES LISTED XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX  XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Good afternoon, I am a veteran that used my VA Home Loan certificate to buy a home in XX/XX/XXXX. The address of the home is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. In XXXX XXXX, my wife and I divorced ( see attached ). In the final judgment of the divorce, my ex-spouse got the house and I was ordered to pay the mortgage for 36 months or until the property is sold. Whichever came first. In XXXX XXXX, I filed a Quit Claim Deed with the county Tax Assessor removing my name from the deed. I sent a copy of these documents to the mortgage company informing them of this action. In XXXX XXXX, I sent a letter and other supporting documents to the mortgage company requesting that I be Released from Liability. This would give my ex-spouse the option to refinance the mortgage or sell the property. 
In XXXX XXXX after checking my credit report, I find out that the mortgage for the property at XXXX XXXX, XXXX, AL XXXX, is several months past due ( {$14000.00} ). I contact my ex-spouse, whom I have been paying {$1800.00} per month, per the court order to pay the mortgage, to find out what is going on and I am told by her that she is trying to refinance the mortgage. I contact OCWEN, the mortgage lender and I am told, since I filed papers with them to remove myself for the mortgage, I will need to contact the new mortgage company, XXXX XXXX. ( see attached ) What I would like answers to are these questions : 1. As the primary and the veteran whom certificate was used to finance the mortgage, regardless of if I requested release from liability ; why was n't I contacted once the mortgage became 30 days past due? 
2. Is the new mortgage company using my VA Certificate to refinance this mortgage? 
3. Why was n't the property foreclosed on instead of allowing the mortgage to become 6 months past due?
Product: Student loan

My father XXXX XXXX and I pay this loan, and are co-signers. Just recently AES filed a report to all my credit agencies saying Im delinquent after NO attempt to collect or communicate with us. Our balance says {$0.00}. We have called them repeatedly in the past because this keeps happening. When they did this last year, it affected my mortgage interest rate when I was buying a house. They have given us absurd excuses in the past. It has been going on for years. I am so fed up and demoralized. I dont understand why they report to agencies when our balance is {$0.00}, or why they cant explain it on the phone, or why they are serial offenders. It is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and XXXX XXXX XXXX XXXX ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit file. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.
Product: Credit card

I paid my bill on time and the company still charged me a late fee. The late fee was refunded. My bill was affected due to the late fee and my normal monthly bill was higher than normal causing me not to be able to pay full amount, thus causing a new late fee making my new bill even higher. I can't afford that. My bill should have been adjusted back to normal after the late fee was returned. I have now closed the account and was told they are going to keep charging me late fees if I am unable to make total payment. Unethical
Product: Consumer Loan

In XXXX 2014 I purchased a new XXXX from a local dealership in XXXX. My downpayment in cash was over 50 % of the total vehicle cost and the dealership financed the balance over 3 years with Huntington National Bank with whom I had never previously done business. My credit rating is very high and I provided proof of more-than-adequate private insurance coverage on the new vehicle. Since I wished to pay off the loan earlier than 3 years I would often send 2 or 3 payments in one check with the accompanying tear-off coupons from the book sent me by Huntington. The final coupon instructed me to call for a pay-off amount, which I did. Since the pay-off amount quoted was somewhat higher than I expected since I had paid off the loan 11 months early, I queried this. I stated that I had never been mailed any sort of statement by Huntington as to how my payments had been applied, how they arrived at the pay-off amount, etc. I was told that the pay-off quoted included a {$40.00} insurance premium for what turned out to be a forced insurance situation that would have covered Huntington had my insurance been cancelled during the life of the loan ( it had not and remains in full force and effect ) or if my car had been totaled ( and presumably Huntington would not get sufficient settlement to pay off the loan balance ) - the car has never been in an accident. I contended I should not be forced to pay this but paid 'under protest ' and then filed a complaint with the OCC , having first tried to resolve the issue over the phone with Huntington 's corporate office - to no avail. Filing the OCC complaint got me a brief phone call from the same corporate woman I had already spoken with previously and a follow-up letter enclosing certain copies - one of which purported to be the print-out of all the payments I had made through the 2 years 1 month. However, the print-out not only only covered the last 11 months of the loan ( the first 13 months were missing ) but it merely showed the monthly amount reflected on each coupon and the date each payment was due - not, as had actually happened, the actual amounts of the various checks I had sent to Huntington. I would be very glad to hear from all Huntington auto loan customers who have experienced the same issue as I always believe there is strength in numbers. Not only that but, quite by chance, a car salesman at the dealership where I had purchased the vehicle told me ( when I called to complain to them, too, about this matter ) that he had been charged at point of pay-off on his car loan and that he had complained and ultimately ( after 5 or 6 months ) Huntington had sent him a refund check in the mail for a little more than the amount he complained he had overpaid. Of course, it might be that since he worked for a car dealership that hawks Huntington auto loans, whereas I do not, that he got preferential treatment - I dont know.
Product: Debt collection

On XX/XX/2023 I entered into a settlement agreement with XXXXXXXX XXXX XXXX through their attorneys Tenaglia and Hunt regarding a lawsuit they had filed against me regarding an alleged credit card debt. Shortly thereafter I made payment in the amount of {$1300.00} as specified in the stipulation of settlement. In early XXXX I became aware that XXXX was continuing to report the account as a charged off debt with an outstanding balance in direct violation of the settlement agreement and made multiple attempts to contact XXXX by phone and email receiving no response. I then contact the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and was informed of the following : XXXX. The Stipulation of Settlement and Notice of Discontinuance provided to me by Tenaglia and Hunt had never been filed with the court and XXXX. The court had denied XXXX Motion for Default Judgement and Dismissed the initial complaint against me on XX/XX/2023. 

I believe that XXXX XXXX and Tenaglia and Hunt fraudulently induced me to make payment on an account I was not legally responsible for, falsely represented the status of the lawsuit against me in negotiating a settlement of a case which had already been dismissed and knowingly reported false information to the credit bureaus.
Product: Credit card

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am an authorized user of a Bank of America credit card ending in XXXX. I am writing to seek your assistance regarding a troubling situation I have encountered with Bank of America concerning the handling of my recent dispute. 

On XX/XX/year>, I opened a dispute related to a transaction with XXXX XXXX for a XXXX XXXX experience that did not go as promised. Below are the details of the claim : - **Claim ID : ** XXXX - **Claim Amount : ** {$5900.00} - **Claim Opened : ** XX/XX/year> Approximately one month ago, I provided Bank of America with sufficient documentation to support my request for a refund. The difficulties arose when I booked my stay on the cruise ship, only to later find out that my original accommodation was no longer available. This led me to accept a downgraded room, under the assurance from the merchant that I would receive a refund for the initial booking. However, in order to secure the downgraded room, I was required to make an immediate payment for a different room, which I covered using my XXXX XXXX card ending in XXXX. 

Despite my best efforts to obtain a refund from XXXX XXXX, my numerous inquiries have gone unanswered. Following the initiation of my dispute with Bank of America, I finally received acknowledgment from the merchant stating that they were reviewing my issue. I submitted all relevant communications and evidence to Bank of America ; however, my dispute was closed in favor of XXXX XXXX  without any thorough investigation or consideration of the materials I provided. 

I am deeply troubled by Bank of Americas handling of my claim, which seems both unprofessional and negligent. The closure of my dispute without a comprehensive review of the evidence is concerning and has left me without the funds that are rightfully owed to me. 

I am now seeking legal advice and assistance from the Consumer Financial Protection Bureau in addressing this situation. I believe it is imperative for financial institutions to uphold their obligations to their customers and ensure fair dispute resolution processes. 

Thank you for your attention to this matter. I appreciate any guidance or support you can offer as I navigate this troubling situation. 

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

I was exercising my right of the Fair Credit Reporting Act, by disputing inaccurate information on my credit report by mail. Experian sent me a letter that my dispute was suspicious, and none of my dispute will be processed now or in the future and to call in my dispute or complete it online. I do not want to call or dispute online. It is my right to dispute my mail.
Product: Credit reporting

On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by XXXX XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

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

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$780.00} I disputed multiple times last year and the collections stayed on my account
Product: Checking or savings account

XX/XX/year> someone fraudulent used my account and stole {$280.00} USD from my account by send a XXXX payment to someone who i dont know and have never sent money to, the next day when i noticed the missing money and the email i immediately called the fraud department and let them know what happened and this payment was not authorized at all by me. They recommended me freezing the account for XXXX days and to go and open a brand new account incase the person had access to my actual bank account. I did what they asked and today i got an email saying my fraud claim was denied for this. XXXX confused i thought a huge point of having a bank account like this was being protected against fraud and never being on the hook for a transaction i didnt authorize now i have to wait XXXX days to use my account again im getting charged {$5.00} a month becoming this XXXX account isnt free and i cant afford to keep {$500.00} in it at all times and im out {$280.00} im extremely disappointed in bank of america and need some action taken XXXX i was at the dentist when all of this happened getting work done i was so busy that day i didnt even check my email till the next morning and saw the notification for the money being stolen from my account.
Product: Checking or savings account

I opened A new TD beyond checking account in XX/XX/XXXX on-line. I Received a post card in mail to apply.I had a direct deposit XX/XX/XXXX XXXX and XX/XX/XXXX from my employer into my account ( Met the requirements to receive {$300.00} bonus ). NO bonus posted!!! I have tried to call theTD bank at least 3 times : the last call was on these dates XX/XX/XXXX. I spoke to numerous different representatives/ supervisors regarding this concern, i WAS TOLD TO WAIT max UNTILL 140 days from the date I open the account to receive a bonus since all the requirement to meet the bonus was met. the last representative doesn't know why the bonus was not issued. 
Below is the terms *Offer valid XX/XX/XXXX thru XX/XX/XXXX and is available only to the person addressed in this mailer. {$300.00} bonus offer available to eligible new personal checking customers when opening a TD beyond checking account with cumulative ****direct deposit funds of {$2500.00} or more into the new checking account within ****60 days of account opening. once he criterion is met, the bonus will be credited to new personal checking no later than ****140 days from account opening.
Product: Credit card or prepaid card

My husband is currently XXXX to XXXX. The credit card is under his name, i have submitted the power of attorney and this company refuses to speak to me and keep charging me interest. I have been calling since XXXX and everytime i call its a different story and that they havent recieved it. I have mailed, faxed and uploaded the paperwork. i need help. I am under the SCAR act and its unfair to be paying all these fees, {$40.00} since 3 months now.