23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I applied for credit in this consumer credit transaction and somehow this transaction was turned into a loan. My credit card was used to pay for the property and Capital One Auto Finance did not disclose to me that this is an attempt to collect a debt. I do not owe this debt.
Product: Debt collection

In XX/XX/XXXX, my bank account was placed on a hold and showed a XXXX balance. After contacting the bank and getting more info, a collection agency who I guess is a law firm stated I had to enter into a payment agreement in order for my bank account to be released. I entered into an agreement and have been paying ever since. I received a letter dated XX/XX/XXXX from the law firm stating I need to make a payment. I went online to make the payment and it failed. I called the lawfirm and they stated they are closing and sent the account back to the original collection agency. I called the collection agency, they then sold it to another agency. I have been paying since end of XX/XX/XXXX on this account and now the I have no paper work stating the changes that have taken place and I have no idea what happens with all the money I have already paid. I still have not received anything on paper showing any of these changes. What should I do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXXXXXX. I believe it was reported in error. 
XXXX XXXX XXXXXXXX Balanced Owed : {$0.00}
Product: Mortgage

I 've reported a number of complaints to CFPB regarding Chase Home Mortgage. My home was sold in XX/XX/XXXX through a negotiated short sale with Chase Home Mortgage. The sale closed as a short sale, there was no XXXX and Chase never took possession of my house. Chase continues to report this sale as a Foreclosure and I 'd like to understand why they are permitted to do so when none of the elements listed by the FTC as constituting a foreclosure occurred? Chase is retaliating against me and holding me hostage in my life by purposely and intentionally trying to damage my credit. A short sale is only to be reported for XXXX years and Chase is incorrectly reporting a foreclosure on my home when they do not dispute that the sale of my home closed as a short sale with no bank possession or sale. Why is the CFPB and the FTC allowing this behavior by a financial institution? I 've never had any other negative items in my credit history. In responding to my complaints to the CFPB, Chase continues to call me only to check the box with you bureau and only to say they are reporting correctly and refuse to change it. What are we to do as consumers? There is no dispute and ample proof that my home closed in a short sale with none of the elements listed by the FTC as constituting a foreclosure. What is a consumer to do? 
This is what XXXX is reporting from Chase regarding my home : Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CHASEAccount Type Conventional Real Estate MortgageAccount Status Closed - DerogatoryOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit -- Term 30 MonthsMonthly Payment $ XXXXXXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXXXXXPayment Status XXXX Days LateWorst Payment Status XXXX Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due $ XXXXTimes 30/60/90 Days Late XXXX/XXXX/XXXXRemarks Foreclosure discontinuedThey " referred '' my file to their foreclosure department after Chase agreed to a short sale and the short sale closed - how is this legal? They are preventing me from obtaining financial backing in my professional and personal life and lawyers tell me there is no basis to sue - not because of Chase 's conduct, but because the CFBP has not enforced any regulations against the banks for their misconduct. The FTC should remove their instructions to consumers on how to direct a lender to correct false information regarding their mortgage because Chase has refused to follow the FTC requirements - so what are consumers to do at that point?
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and Inquires on my credit report I have NO KNOWLEDGE OF.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

Dear Sir/Madam, I am writing to formally file a complaint regarding a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) by Universal Recovery Corporation XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX specifically their representative, XXXX XXXX. 
On XX/XX/year> I contacted Universal Recovery Corporation to negotiate a settlement for a debt that I owe in the amount of {$1500.00}. I offered to pay {$500.00} in cash as a settlement, but the representative, XXXX XXXX, insisted that I use my credit card to pay the full amount of {$1500.00}. She stated that she was aware I had {$12000.00} available credit remaining on my credit card and pressured me to use those funds to pay the debt. 
This action is concerning for the following reasons : Violation of Privacy : The representative improperly referenced my personal financial information ( specifically my credit card limit and available credit ). My understanding is that collection agencies do not have access to my real-time credit card balances or available credit and should not make such statements. 
Unfair or Coercive Practices : The representative 's insistence that I use my credit card to pay the debt violates my right to choose my preferred method of payment. It also appears to be an attempt to pressure me into incurring additional debt to pay off this collection, which is both unethical and potentially unlawful. 
These actions are a clear breach of the FDCPA, which prohibits harassment, abuse, and unfair practices in debt collection. Specifically : 15 U.S.C. 1692d prohibits debt collectors from engaging in harassment or abusive practices. 
15 U.S.C. 1692e prohibits false, deceptive, or misleading representations, including misrepresentations about a debtor 's financial obligations.

15 U.S.C. 1692f prohibits unfair or unconscionable means to collect a debt. 
I believe the representatives actions violated my rights under the FDCPA and request a thorough investigation into this matter. I also request that steps be taken to ensure that Universal Recovery Corporation complies with all federal and state debt collection laws. 
Please let me know if additional information is needed. I have documented this interaction and can provide further details if required. Thank you for addressing this matter.
Product: Debt collection

a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.
Product: Checking or savings account

Based on the information contained in this complaint I feel that XXXX XXXX  is not acting in good faith with its current customers regarding the above referenced settlement. 

My daughter just received a {$45.00} check from XXXX XXXX for overdraft charges stemming from XXXX through XXXX when she had an account with them. She no longer has an account. 

But we still have an account and XXXX XXXX  made no such offer of repayment to us, even though weve paid far more fees in overdrafts when my husband complained many times about how they intentionally manipulated their system to create overdrafts by using the online system to provide one balance and then manipulating presentment of checks to create the overdraft. 

XXXX XXXX  letter to us regarding this settlement merely covers our freedom to revoke our opt-in overdraft services. 

Please investigate their failure to act fairly with current customers and if you find that they have again acted willfully please award their current customers monies and fines over and above the refunds they were initially due.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in more complaints then i can count the only way I have seen in the past that works is putting it all out on social media you say you can help and yet here I am again you are allowing them to put XXXX on a veteran credit report and you know it is not mine and now I have got XXXX I don't have the time anymore to play XXXX games I starting to thank you people get off on this XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



I sent letters asking them to reinvestigate these accounts listed below because Account # XXXX first progress card, Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX  XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

They have not responded to me and here is my tracking number XXXX
Product: Credit reporting or other personal consumer reports

There is a bankruptcy listed on my credit reports. This information is incorrect.
Product: Debt collection

To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt.

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.

3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied.

5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold.

9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments.

If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights.

I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX  Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I made my loan payment 1 day before it was due ( XX/XX/year> ) using my debit card which I keep locked because of data breach from my bank. My first attempt to pay was declined because of the locked card. I then unlocked my card and made a successful payment. I was told my payment for XXXX was an automatic withdraw from my bank. Since I paid this 1 day early their ( system ) automatically took the first attempt to pay was used to make a payment for XXXX which was decline as I stated when I attempted to pay for XXXX. Then the second and successful attempt to pay for XXXX was used to pay my XXXX payment by their ( system ). Since the first payment attempt was denied by my bank their ( system ) now says my XXXX payment is past due. So my early payment was used for XXXX payment and now in their ( system ) is saying my XXXX payment is late and that I need to Pay my XXXX payment and my XXXX payment also to become current. I reached out to their chat on the app. Was told by the chat person that she had a resolution for me and ended the chat abruptly. Nothing happened My second attempt on their app I was told no one in their company could do anything about this I questioned her to ask if someone could fix this and was told what happened in their system again and that no one could adjust this or fix the ( systems ) mistake. I then called them and was told the same thing by the person I spoke to. I then asked to speak to his supervisor and when talking with him he explained the ( systems ) mistakes. I ask him if anyone in the company services their ( system ). I was told no one in the company had anyway to fix this. I did not make a mistake but their system did and I am left with a payment made for XXXX, a unsuccessful XXXX payment and to top it all off according to their ( system ) I still owe my XXXX payment which is what I made the payment for in the beginning
Product: Debt collection

I sent a debt Validation to the credit agency " XXXX XXXX   XXXX '' asking to show proof that the debt belong to me. XXXX technically isn't a creditor they are an insurance company so they shouldn't be reporting to the credit bureaus.
Product: Student loan

I am unable to pay the full amount required for my private loans. I asked for a decrease and they only offered a XXXX dollar reduction. I am only working part-time. They said there are no other options at this time. I said, " So you 'd rather I pay nothing? '' and she replied, " You ca n't call a bank and demand your loan payment be lowered. '' She then stated it will " hurt me '' if I do n't pay.
Product: Credit card

I received an email saying that the Priority Pass Benefit on my Hilton Honors American Express XXXX card would expires on one of two dates. I called American Express, and was told by a supervisor that it would go by the renewal date for priority pass, and that because of it, I would fall into the ccategory where the benefit would be dropped for my account on XX/XX/year> instead of the other category of XX/XX/year>. I asked if it was a system error and it was removed XX/XX/year>, would American Express immediately reinstate it, and he said they would. 

My membership was dropped on XX/XX/year>, and I called when I was home on XX/XX/XXXX, and was informed that the supervisor was incorrect in what he said and a case would be opened. The case was opened, and I called back multiple times, including one time where the representative from American Express called Priority Pass with me on the call, where it was cinformed it dropped early by a directive from American Express to drop everyone on that date. This is earlier than any of the dates American Express provided in the original email notice, which is a violation of what they promised. That representative that had me on the phone with XXXX XXXX opened another case, and when I called for an update, I was informed the case was closed and nothing is owed to me with no further details available. 

Fast forward to today, where it has been 12 weeks after I paid for my CLEAR membership, which is reimbursed by American Express in 8-12 weeks. I had to call American Express, which informed me that they will submit a case to look into it, because the representative informed me it looks correct and I should have been reimbursed already but there may be a system error. 

American Express ' incorrect information provided to me by a supervisor and termination of XXXX XXXX early is a violation. It is another violation today that the cardholder agreement says I would receive the CLEAR credit within XXXX weeks after the charge, and I did not and they aren't offering anything to me for their violation of the agreement.
Product: Mortgage

I have been dealing with Bayview Loan Servicing on a mortgage modification because my husband passed away. From the very beginning I have had nothing but problems. They lost my paperwork including all my bank records 3 times, even though I sent them back to them in their prepaid envelopes. They then decided to report I made more money a month than I do. I told them about that mistake and they told me they just had to do that and it did n't matter, even though it 's still hard for me to make the payment. At the end of XXXX I got a letter from Bayview stating that there had been an audit resulting in a credit to my account of XXXX. On XXXX XXXX 2016 I spoke to the gentleman ( XXXX XXXX ) that has handled my modification and was told that the credit could be used to cover my XXXX, XXXX and part of XXXX payments. A couple days later I got an email saying my account was over due so I contacted Bayview again and was told by another person that yes I have a credit and that she would take the money, which had been put directly on the principle, out and apply them as payments for XXXX XXXX and XXXX. A couple days later another woman from Bayview called saying my payment was past due. I once again explained what was happening and told her she needed to speak with the gentleman handling my modification because he was the XXXX telling me it could or be used to cover my payments. I left multiple messages for him via voicemail and emailed him three times and did n't get a response. Finally about a week later he emailed saying he was looking into it. All in all XXXX people from Bayview have told me the money is mine and could be used to cover my payments. XXXX person said the money was n't mine, that it had to do with a modification through XXXX XXXX XXXX ( who held my loan previously ) to which I explained I never did a modification with them. I have been passed on from person to person, XXXX saying yes it 's covering my payments and XXXX saying it ca n't be used to cover my payments. I have had nothing but problems. I feel they have done nothing but lie to me. This was not my mistake. Clearly they do not know what they are doing and trying to take advantage of me. The only reason I needed the modification is because my husband died and I 'm now a single mother. I explained I used the extra money to pay down other bills because I was assured by XXXX different people that my XXXX, XXXX and part of XXXX 's payments would be covered by this credit. I documented the calls I made which went to voicemail, I have a copy of the email I sent ( 3 times ) and documentation with names and dates of the people who assured me my payments were covered.
Product: Money transfer, virtual currency, or money service

I used Square to process credit card payments for a copy writing service that I run on the side. They found that recent transactions were considered worthy enough to deactivate my account. That is fine, but they have {$390.00} of my earned funds held according to their policy that states they can hold funds up to XXXX  days for investigation. I have called them multiple times, left them several messages, and they refuse to expedite the transaction. I have waited over XXXX  days as they hold for possible refunds to the consumer but This is unfair to any consumer or business, XXXX  days is far too long to hold onto funds, and they need to make my funds available to me. I will not do business with this company again, but right now they are stealing my money.