23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint against Amsher Collection Services for multiple violations of consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. **Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Amsher Collection Services has failed to provide validation of the debt in question. Despite multiple requests, they have not provided any evidence demonstrating their authority to collect this debt.

2. **Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been provided with an opportunity to dispute the account with Amsher Collection Services . They have not communicated the necessary information regarding my rights to dispute the debt within the required time frame.

3. **Use of False, Misleading, and Deceptive Practices : ** Amsher Collection Services has engaged in misleading and deceptive practices by reporting this debt to consumer reporting agencies without providing adequate validation or disclosure as required by law. This includes using false representations regarding the validity of the debt.

4. **Violation of Reporting Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : ** Amsher Collection Services has furnished information to consumer reporting agencies without fulfilling their obligations to provide accurate and complete disclosures. This violates federal laws governing the reporting of consumer information.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681c- ( a ) ( 4 ) Except authorized, NO CONSUMER REPORTING AGENCY may make any consumer report containing accounts placed for collection or charged to profit and loss. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account # XXXX but for XXXX showing account # **** which is also INACCURATE REPORTING ) I am Attaching identity and proof of address.
Product: Mortgage

I sent a check to PHH Mortgage in XX/XX/2019 in full payment of my XX/XX/XXXX mortgage payment, {$920.00}. PHH Mortgage processed the check in an incorrect amount of {$720.00} which was {$200.00} less than my check amount. I have spoken with them 5 times, received a copy of my paid check showing the correct amount of the check with no correction by PHH Mortgage. I was told most recently on XXXX.19 that the additional {$200.00} would be recorded and applied to my loan balance on XXXX.19. This still has not been corrected as of XXXX.19. 

After calling 4 times and giving approval for them to process the additional {$200.00}, I received another written notice that they needed my approval to correct their mistake. Legally, the signed check I issued is my approval for the {$920.00} payment. I also gave verbal permission by phone on XXXX.19.  When calling today, the customer service agent placed my call on hold and then hung up without addressing the error or calling me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I got an alert from credit monitoring that items had posted to my report when I checked I noticed two unfamiliar companies with accounts posted. I contacted both companies asked them to validate their claim which they have yet to do still the consumer reporting agency unlawfully reporting these accounts.

SEE ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accts on my credit report, see attached that have no info, dont know whos owed, XXXX  and Equifax wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to XXXX and Equifax, still pending after all this time wont remove.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

In XXXX I requested debt validation from this company to which they sent a statement that did not meet the requirements for validation of debt. Legally they are required to provide the following documents in order to properly validate a debt : - A signed agreement or original contract from original creditor that has my signature. 
- Proof of ownership, assignment, or transfer of debt from original creditor to collection agency to prove they can legally collect the debt. 
- An itemized breakdown of the amount owed including any, interest, fees or payments made. 
I reached out to them on XX/XX/XXXX to inform them that they were in violation of my rights by continuing to attempt to collect this debt as well as continue to report it to credit bureaus since they could not validate the debt as mine, or as theirs to legally attempt to collect. 
They advised me to submit another dispute. So, I sent a letter VIA fax which they have confirmed that they have received. They were given 10 business days to respond in writing that they have complied with the following legal requirements : - Ceased all collection efforts on this unverified debt. 
- Stopped reporting this account to credit bureaus. 
- Requested the removal of any credit reporting related to this debt. 
I have not heard anything from them, and attempting to communicate with them has gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Finance Systems of Toledo requesting VALIDATION of this alleged debt ( FST ID number : XXXX ) and sent it via USPS Certified Mail. Finance Systems of Toledo has received my debt validation letter ( see attachment ). I requested that the account information be omitted from reporting to my consumer reports pending a response that provides sufficient validation of the alleged debt. During the 30 day validation period, they have continued to furnish this inaccurate information to the consumer reporting agencies and have violated my rights as a federally protected consumer. Additionally they are in violation of 15 USC 1692b ( 2 ) for the correspondence they sent me on XX/XX/2020. They have also been notified of this federal violation. I am demanding that this information be removed from consumer reports immediately as this information is neither accurate nor verifiable.
Product: Credit card

The company name on the contract is ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX - XXXX XXXX. My wife and I met with the XXXX XXXX in XXXX XXXX XXXX on XXXX XXXX, 2015 in an office next to XXXX XXXX XXXX ( across from XXXX ). The sales person wasXXXX XXXX XXXX and her husband XXXX. The closer 's name XXXX XXXX. 

My wife and purchased a XXXX week residency contract for a pre-construction XXXX resort unit to be built on beach property directly behindthe offices. 

They quoted the unit at {$120000.00} regular but discounted to {$59000.00} as a pre-construction special. 
They promised us {$38000.00} for our XXXX bedroom XXXX lock-off whichis a deeded unit at XXXX XXXX, XXXX, XXXX. They desired to use our XXXX timeshare unit as amarketing incentive for other buyers. 

We negotiated the reduction of the remaining {$21000.00} down to $ XXXX to credit limits on our credit cards. We placed a total of {$19000.00} on XXXX credit cards ; American Express XXXX XXXX XXXX XXXX XXXX. XXXX contracted with a third party companyto liquidate our timeshare ; XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, phone : XXXX. The contract listed thebuyer as ; XXXX XXXX. 

I have communicated several times with XXXX. XXXX XXXX XXXX, hastold me on XXXX occasions that a meeting with the? buyer? isscheduled. XXXX XXXX now states that the process normallytakes from XXXX days. 

XXXX offered the first XXXX buyers a no maintenance fee for life incentive and a {$2500.00} annual payment to be paid directly to us for each unit shouldwe decide to release them to the company for rental at the first ofeach year. That would be {$2500.00} x XXXX weeks = {$10000.00} per year! 

We found the XXXX XXXX XXXX site to be atechnical mess and poorly maintained. We found that it the websitehad been hastily created in XXXX 2015. We found that the web linkson the site do not work and passwords can? t be reset. 

I calledThe XXXX XXXX customer servicenumber provided on the website ; ( XXXX ) XXXX. The address given isXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Maryland, XXXX. 
Once the female rep answered, I immediately heard music playing andchildren playing in the background. I mentioned this but she deniedany children were present. She was unfriendly and unable to answermy web site navigation questions. 

We received XXXX XXXX and a free resort week for attending thepresentation. We received an additional week for buying. We weregiven an additional contract to use at XXXX XXXX, XXXX propertyuntil the new property was to be completed in XXXX months. 

We also received a signed XXXX year100 % money back guarantee. I requested returnof our funds in writing to XXXX XXXX XXXX but have received no responseas of XXXX XXXX. 
I submitted a formal request to XXXX XXXX on XXXX XXXX toexercise our money back guarantee. I have received no responsesince.
Product: Credit card or prepaid card

I applied for the Chase XXXX Mileage Plus Club card on or about XX/XX/XXXX. At that time, on the XXXX website, there was a published promotion for XXXX bonus miles to be awarded after certain conditions were met. I met those conditions, and never received my bonus miles. I contacted the Chase, on approximately XX/XX/XXXX ( exact date unknown ) who informed me that my offer did not include any bonus miles, but rather a waiver of the first year {$490.00} card fee. While speaking with the Chase representative, I returned to the XXXX website, and so that the offer of XXXX miles was still displayed as the promotional offer. However, when clicking through, the offer changed from XXXX bonus miles to the annual fee waiver. It was not made clear that the offer was being changed, and I had every reason to expect that the I would receive the bonus miles. 

When complaining to Chase about this discrepancy, the rep informed me that they could not do anything about this, and would forward my complaint to the marketing department. Several days later, I got a written letter from the marketing department, signed by XXXX XXXX, Customer Service Specialist, informing me that they would not honor the XXXX bonus mile offer. There was no contact information provided, and when I called back to Chase on XX/XX/XXXX, they told me that the decision was final and there was nothing that they would do. 

I feel that this is a clear bait and switch marketing tactic. They promised XXXX bonus miles in their lead offer, then without clear notation, changed the offer while clicking through the steps to apply. The XXXX bonus miles have a clear, and significant monetary value, and was the sole reason for my decision to apply for this card. There are many better options available for me ( including the XXXX Explorer card )  which I would definitely have chosen over this option had Chase not used their deceptive marketing tactics. I believe that this tactic was intentions, in an attempt to dive more business to their premium, high annual fee card. 

Since the time I made my initial complaint they have changed their offer ( it is marked as new in their website promotional displays ) to offer the same XXXX miles, but they do not change it to the annual fee waiver during the click through process. 

Please help me to encourage Chase to honor their promises made in their marketing campaign.
Product: Credit reporting

I wrote a letter to Experian asking them to investigate mistakes on my credit report. They wrote me a letter back stating that they refused to do an investigation. They said they were not going to do the investigation because they did not think the letter came from me. That 's ridiculous. They gave me a number to call to confirm the letter came from me but I could not speak with a live person unless I bought something. I think Experian is just trying to get me to pay for an investigation that should be fee.
Product: Checking or savings account

I opened up a Citi Priority Savings account online ( statement attached ) the end of XXXX. When I went to check my account, I was told it was " locked '' but no-one could tell me why ... ..not " new accounts '' nor " fraud '' department. I was told it was a " security '' issue. On XX/XX/XXXX, {$5000.00} was debited from my account, so I assumed a check was coming to me ... ... ..nothing ever arrived! I have called numerous times, but unable to get any information from anyone. At first I was told I had to wait 30 days, then 60 days ... ... but still no check or concrete answers. There are no physical offices in MA or RI. 
Do you have any contact with Citi? How can I get my money? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from acutual creditors.
Product: Mortgage

On XX/XX/XXXX I contacted my mortgage company, BSI financial regarding my supplemental taxes. I was told that since there was enough money in my escrow account, they would be able to pay them on my behalf through my escrow account. I was asked to email a copy ( attached ) of the tax bill to the company and told that they would be able to pay it by the due date of XX/XX/XXXX since the process only takes 3-5 business days. The supplemental taxes were not paid on time. I then contacted BSI financial and was told their accounting department did have the request, they were working on it and any fees related to the payment being late would be covered by them since it was there error. I then followed up with the company every 2 weeks to follow up on the payment being issued. I was always told that they have the request, they are working on it and they will cover the late fees. I was also told several times that agent XXXX XXXX XXXX would call me back, or a supervisor would return my call regarding the status and no one ever called me. On XX/XX/XXXX the company did a escrow analysis and issued a check to me for {$7600.00} instead of paying the supplemental taxes. I called and spoke with an agent XXXX XXXX XXXX who said that the company was not responsible for paying supplemental taxes and there wasnt enough money in my account to issue the payments. I explained that there was enough money in the account before they conducted the escrow analysis and issued me a refund. She stated she would speak with the tax department and get back to me. She never returned my call. I then spoke with a supervisor XXXX XXXX XXXX who told me the issue would be fixed and they would cancel the analysis check, pay the supplemental taxes and pay the fees. On XX/XX/XXXX the company paid the supplemental taxes and fees using money from my escrow account. Despite the fact that every agent I spoke with told me the company would pay for the late fees since it was their error. I have also received a letter stating they are reducing my mortgage payment to account for excess escrow funds. This is wrong. My mortgage payment was the correct amount to pay the taxes after they are reassessed from the purchase of the home. It is unclear to me why BSI financial does not understand that the taxes were reassessed and are higher. This company has completely messed up my escrow account at this point and no representative or supervisor is able to assist me.
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS A-1, A-2, & B-1 Attached ) and XXXX ( SEE EXHIBITS A-1 & B-1 ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A-1, A-2, & B-1 Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, XXXX  and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Opened a care credit card to help with unexpected pet emergency. Was able to obtain {$2000.00} credit for this. 

Over time I made payments timely and eventually paid it down but never anticipated closing as I intend to use the card when unexpected medical/dental emergencies or prescription needs would come up. For which every time I used the card, I always paid any balance due off but keeping the account open. Last used was back in XXXX at XXXX XXXX XXXX office for homeopathic services. 

Skip to XXXX synchrony bank- creditor for Care Credit closes account without notification and causing adverse action to my consumer reports. They said they utilized credit analysis software to come to decision to close the account. When there was no balance and it was just kept open. They said that even when my score was fair.. my high debt was a contributing factor to close and not continue business. I do believe this is unfair practice especially since I have XXXX other credit cards with the same creditor paid and in good standing but yet those accounts are not in jeopardy of closing. Please help mediate and rectify the account either by helping to reopen it with the same amount for credit or demand them remove any Care Credit consumer reporting information and history from my consumer reports all together entirely. Its upsetting..bc in a time were I had good reporting with them, they decide to harm my scores even worse by closing the account dropping scores XXXX pts. 

Thank you for your help in this really unfair circumstance. 

XXXX XXXX
Product: Vehicle loan or lease

In XXXX of 2018, I was 1 month post bk, and needed a larger car for my family. I purchased a XXXX XXXX minivan used. I was approved through CPS. At the time of my signing at the dealership, I was not told the specifics of my loan, just given the general terms, months, interest rate, due date etc. It was noted a few months in that CPS operates under a daily interest rate on top of my APR I was told. My payments are XXXX a month. To this date I have paid over XXXX in interest and XXXX in principal. I still can not figure out how payments are posted because I was given an amortized scheduled in terms of what should be applied to interest and principal. That is not happening most months the payment are applied to all interest or may be $ XXXX to principal. I have made payments of XXXX since XX/XX/2018. My starting balance was XXXX, payoff is XXXX. You do the math. Its about 10 months of payments. If you do the math only XXXX has went to principal. How is that legal what they are doing. I would like to have their practices looked into because that is my hard earn money and they are taking it and not applying to what I signed up for.
Product: Consumer Loan

I took out a venicle loan in XXXX with Car Finance.XXXX I received monthly statements from them until approximately XXXX, XXXX, at my previous address in XXXX. In XXXX, XXXX, I moved to XXXX and have sent my payment every month since then along with a letter advising of my address change ( see attached letter ). I have also contacted them by phone to advise of the address change several times. To date, I have never received a statement at my new home address. All I am asking for is a monthly invoice to be sent to me, and it seems impossible to get this from Car Finance.XXXX I have delapyed sending my payment in at times as I was hoping to get an actual invoice from them, so I think that any late fees I may have incurred since XXXX XXXX should be refunded.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$17.00}