23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX when making my payment online I noticed my payment due was less than normal. I called the company to verify the payment amount and was told the amount due was correct on the website ( lower amount ). I paid that amount. XX/XX/XXXX I get a past due notice. I called and the company indicated they posted a payment to my account in error in XXXX and they were demanding I pay 3 times what my normal payment was. I asked for a member of the management team to call me back in XXXX, then again in XXXX and again in XXXX. I just continued paying my normal monthly payment. In XXXX I started getting harassing phone calls and when I spoke with my account rep she indicated the only way to reslove the issue was to pay 1 months payment ( mind you I have been paying wvery month since XX/XX/XXXX ) and I could get an extension. I paid my normal payment, I got the extension paperwork on XX/XX/XXXX or XX/XX/XXXX, signed the paperwork and emailed it back on XX/XX/XXXX @ XXXX. Never heard from them since. Earlier this week, we were at a dealership trading the car in and the salesman told us that when he called to get the payoff amount, they were not only told the payoff amount but that we were 3 months past due on the account. 1st off, they should not have said anything to the deslership about the past due balance. Second, they never processed the extension paperwork stating they never received it. So, I called them on Tuesdsy this week, got a supervisor on the phone that said she would need proof that I sent the paperwork bavk within 10 days of receiving it. So, I emailed her proof and didnt hear from anyone. So I followed up and was told they have the proof I emailed the completed paperwork on XX/XX/XXXX, but it was emailed to another department within their company, so since the extension department didnt receive it, they were not able to honor it. So essentially I emailed the paperwork, on time and to the company, but because they cant communicate amongst themselves I am still past due. The supervisor XXXX XXXX tells me today they have been trying to get ahold of me since XXXX and I didnt respond. Funny thing is, I made contact with them in XXXX, and thats how I got the extension paperwork. Then he back pedals and says we tried to contact you in XXXX, yes last week 1 time and then 1 time this week. After I called them. Then he back pedals again saying we tried calling this number and this number with no response. The 1st one is my cell phone ( they only called twice within a 5 day period ) and the 2nd number I had never heard of before. So, when I ask XXXX what the 2nd number is, he says oh, that # and account note was supposed to be posted to someone elses account. It was posted to your by mistake. Bottom line is, they messed up and are now harrasing me for payment when several things are from their mistakes. And divulging my personal account information to a dealership is not winning them any favors in my book.
Product: Checking or savings account

7-month CD of appx $ XXXX was up for renewal on XX/XX/year>, at the " standard '' rate. The previous rate of that CD was 4.95 %, so we allowed the CD to renew, Truist paid that CD at 0.01 % and claimed that was their standard rate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.
Product: Debt collection

This was a joint account ( XXXX ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was sent an Amex e-gift card on XXXX. I waited 2 days before attempting to use the card, and noticed i was unable to add it to my XXXX XXXX despite the website stating I could. I then tried to add it to a XXXX account which did not work, however I was charged a XXXX cent fee. I later attempted to use the card with XXXX but the transaction declined. I called Amex twice, and they informed me the card needed to be registered & I would be unable to use it with a company that requires a security code. I have since tried to use the card in person & online with no luck. And I was charged total XXXX cents despite every transaction declining.
Product: Credit card

I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXXXXXX Spring Oaks Capital LLC Unauthorized Debt Collection Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Company Complained About : Spring Oaks Capital LLC Complaint Details : I am submitting this complaint against Spring Oaks Capital LLC for attempting to collect a debt that I do not recognize and have no legal obligation to pay. I have never entered into any contract or agreement with this company, and they have failed to provide sufficient validation of the alleged debt despite multiple attempts on my part to request this information. 

I have contacted Spring Oaks Capital LLC several times, requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, they have not provided any documentation proving that I owe this debt or that they have the legal authority to collect it. Instead, they continue their collection attempts without proper verification, which is a violation of my consumer rights. 

I am requesting that the CFPB investigate Spring Oaks Capital LLC for their failure to comply with debt validation requirements and ensure that they cease all collection activities related to this unauthorized debt. Additionally, I would like all negative reporting regarding this alleged debt removed from any credit reporting agencies if applicable. 

Requested Resolution : Spring Oaks Capital LLC must provide proper validation of the debt, including original creditor details and proof of my obligation to pay. 
If they can not validate the debt, they must immediately cease all collection efforts. 
If this debt has been reported to any credit bureaus, it should be removed immediately. 
I appreciate the CFPBs assistance in resolving this matter. Please confirm receipt of this complaint and inform me of any next steps in the investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Checking or savings account

Everytime I call to customer service to unlock my card or do anything the representative says " with the information provided we can not locate any account '' and they just ask me the account number. I told them exactly the same account number as appears on my online banking. 
I want to have this issue fixed because is really disgusting to fight with the useless customer service call center. 
My full name is XXXX XXXX XXXX XXXX, Birthday XX/XX/XXXX Acount was oppened in XXXX on XX/XX/XXXX telephone number XXXX XXXX XXXX email XXXX Or I need to know if any of that is wrong or different, but I cant understand why they gave that stupid and unusefull answer Thanks
Product: Mortgage

This complaint has nothing to do with the choices I selected, I just picked them as they were the closest to my problem. I went bankrupt in 2004. My mortgage was XXXX XXXX XXXX at the time but it was being serviced by Capital One. My mortgage was not involved in the bankruptcy at all and I continued to pay the payments monthly. After the bankruptcy XXXX XXXX XXXX refused to show my escrow info on line. I was blocked out of the account. My  mortgage was turned back to XXXX and I was on line for a short while, until they decided to do the same and block me out of my account. Since that time XXXX has forgotten to pay my taxes, and I had to get a call from the town to get them paid. 2 ) forgotten to pay my flood insurance and I was notified by my insurance broker and had to get that fixed. Lastly, this past week I found out I had a negative escrow balance because Capital One has paid 3 flood  insurance policies at about {XXXX} each. I am now in the process of fixing this. I feel this practice of punishing me because I went bankrupt ( which had nothing to do with the mortgage ) and not allowing me to monitor my own escrow account is ridicioulus. This is my money in the account and obviously this bank need work on handling my escrow account and paying bills on time- or not paying bills in triplicate! Please advise. Thank you I have any and all documentation I can send you if needed. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. 

I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. 
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Copy of letter sent to XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Of The West XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice of disputed minimum payment Card # XXXX I am writing to dispute the minimum charge that is showing being due in the amount of {$470.00}. Originally it was {$650.00} and has since been reduced but is still excessive. I am requesting that the minimum payment to be recalculated based on the current balance of {$1400.00}. I am also requesting that a late charge of {$41.00} be credited back to my account and no further late charges to accrue until this matter is corrected. According to the branch XXXX at my bank the minimum due is calculated at the rate of 3 % of the balance and should be {$42.00}. Therefore this is the amount I will be paying. 

I have included the letter sent to me by the bank showing my account being credited due to your error, however the minimum balance due was never corrected. 

The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. While this is in dispute reporting to credit bureaus is in violation of my rights under this law. 

I look forward to a speedy resolution to this oversight. 

Sincerely, XXXX XXXX
Product: Debt collection

Subject : Continued Debt Collection Violations Resurgent Capital Services Complaint Reference No. : XXXX To Whom It May Concern, I am submitting this formal complaint against Resurgent Capital Services for continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my prior cease and desist request and a CFPB complaint, Resurgent has persisted in contacting me via text messages, emails, and phone calls regarding an alleged debt they claim to service on behalf of LVNV Funding LLC.

1. Violation of 15 U.S.C. 1692c ( c ) Continued Communication After Cease and Desist On [ XX/XX/25 ], I sent a cease and desist letter to Resurgent Capital Services, explicitly stating that I did not wish to be contacted regarding this alleged debt.

Under 15 U.S.C. 1692c ( c ), a debt collector must cease communication once a written request is received, except for limited statutory exceptions ( e.g., litigation or providing written notice of termination of collection efforts ).

Despite my request, Resurgent has sent multiple communications, including text messages on [ dates ], in clear violation of this statute.

2. Violation of 15 U.S.C. 1681s-2 ( b ) Failure to Properly Investigate Disputed Debt I have disputed the validity of this debt, yet Resurgent and LVNV Funding LLC have failed to provide adequate documentation proving their legal right to collect it.

Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to conduct a reasonable investigation upon dispute, but Resurgent has merely provided a generic account summary, refusing to disclose the purchase agreement or proof of ownership.

3. Violation of 15 U.S.C. 1692k Civil Liability for Violations As a result of these ongoing violations, I am considering legal action under 15 U.S.C. 1692k, which allows for statutory damages, actual damages, and attorneys fees in cases of FDCPA non-compliance.

I request that the CFPB take further action against Resurgent Capital Services for their unlawful debt collection practices. I demand : A full investigation into Resurgents repeated FDCPA and FCRA violations.

Confirmation that Resurgent ceases all communications with me.

Proof that Resurgent has the legal authority to collect this debt, including the original contract and purchase agreement.

Removal of any credit reporting associated with this debt if they can not verify ownership.

I have attached evidence of the communications from Resurgent despite my cease and desist request, as well as their inadequate response to my initial CFPB complaint. Please confirm receipt of this complaint and provide an update on the next steps.

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

Today marks 2 years i have been fighting inaccuracies on my credit report. National Credit Systems has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving. 
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. National Credit Systems has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.
Product: Checking or savings account

I am writing this regarding fraudulent activity in my checking 's account in the early morning of XX/XX/18 in total amount of {$3900.00}. Earlier that evening, I used my card at a restaurant in the amount of {$11.00}. During my time there, I misplaced/lost my debit card without my knowledge. I woke up in the middle of the night to a text message from Chase regarding a valid withdrawal of {$800.00}. I saw this text message approximately 35 minutes from when it was sent. I immediately replied that it was not a valid transaction. I then called Chase service right away to request a cancel/issue of a new card and to report the fraudulent activity that had taken place. While doing so, I checked my checking 's account to see a total of 5 transactions that totaled {$3900.00}. Two of them were at a Chase ATM for {$800.00} and {$200.00}. The other 3 transactions were at a Currency Exchange, which is all the way on the other side of XXXX on the XXXX XXXX and I live all the way on the XXXX XXXX, in the amounts of {$720.00}, {$970.00}, {$1200.00}. I am shocked that Chase let MULTIPLE withdrawals of these amounts go through without blocking any of them. I have never withdrawn money like that before, so I believe that it definitely should have raised a red flag. Since my original call, I called Chase three times that week to check up on the funds since it's a great deal of money. All three representatives that I talked to assured me that my claims were under review, and I should be receiving my funds shortly. Chase then credited my checking account and then reversed the transaction out right away within a day or two. I was shocked. I called to see what was going on and the fraud representative was very unhelpful, rude, and told me my claim had been denied. I am in disbelief as any logical human could see that I have never had activity on my card like this before. She stated that it was declined since it was in the same geographical location from my address. I then proceeded to ask what is the distance maximum that this rule pertains to and she stated 2.5 miles. That's very interesting to me as the first 2 Chase ATM withdrawals happened a few miles down from the last place I used the card for {$11.00} and the last 3 transactions at the Currency Exchange happened approximately 10.4 miles away from my address which I attached to this letter, as I live North and these transactions were made all the way on the XXXX XXXX of XXXX. I am asking for your help in the recovery of these funds as Chase Bank is being very unfair, illogical, and negligent in their investigation of the Fraud claims as I have NEVER had activity like this before on my card. Help will be greatly appreciated. Thank you very much for your time and work.
Product: Debt collection

15 U.S. Code 1692c " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all Communication
Product: Checking or savings account

On Thursday XX/XX/XXXX, we attempted to purchase our pet 's food from the veterinarian using my husband 's debit card. It was declined. We knew we had plenty of money in the bank and was upset at this issue. Prior to this transaction, the night before, we had done a little bit of gaming online with an online casino, which online casino playing had become legal in XXXX of 2019. When we questioned the bank why the debit card was declined we were first informed that it was due to a problem purchasing a movie on XXXX for XXXX XXXX that we wanted to watch and that we should call the bank 's fraud department. We called the bank 's fraud department and they stated they had no idea why the card was declined because there was no notes in the system. When we spoke to the branch that we opened the account in, the person stated the branch manager at the other location had shut it off but again no notes were given. When we questioned the branch manager she said that they had the right to shut the card off due to online gambling. When reading the bank 's rules on gaming, it stated that only if it was illegal, which it is not in PA anymore. The bank manager was acting like a parent and stated " We were warned not to use the debit card for online gaming ''. She alone shut the debit card off to the point we had to order a new debit card because there was no way to turn the card back on. I feel this is an injustice to consumers. The branch manager clearly had power issues that went to her head. If the fraud department didn't catch this or find it a problem, then where did the branch manager have the right to do this? It was as if she was just waiting and watching to see if we would play online again and the next day took great pleasure in shutting my husband 's debit card off leaving him without a means to purchase fuel and necessities while working as a XXXX  XXXX Sure, he could use my debit card, but where does that leave me also when without one for daily needs? Needless to say, we are shutting our accounts at this bank because if the branch manager can have all this power and dictate how consumers can use their hard earned money, then why use this bank? I certainly do not want to be dictated to in how to manage our money.