23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an agreed to payment plan with XXXX XXXX  XXXX that I have been paying on time every month. They wrongfully sent me to collections in XXXX XXXX. When I logged on to pay make my XXXX monthly payment, it said that I had a {$0.00} balance due and there was no way to make a payment ( attached in documents ). Shortly after I received letters from Financial Corporation Of America saying that I had been sent to collections and I needed to pay my balance in full. I contacted XXXX XXXX XXXX who assured me this was a mistake and said they fixed the account and it was taken out of collections and I was just to resume my normal monthly payments in XXXX. I requested a confirmation of this in writing from XXXX XXXX XXXX who refused to provide any documentation.
I sent a certified letter ( tracking and receipt in documents ) to Financial Corporation of America disputing the debt and providing documentation showing my account was active and payments were being remitted on time. In addition, I also contacted them to explain the situation. They told me XXXX XXXX XXXX had not informed them that my account was not past due and therefore should be removed from debt collections so they were going to continue to contact me to collect payment unless XXXX XXXX XXXX called them. They refused to call XXXX XXXX XXXX and confirm with them. I contacted XXXX XXXX XXXX AGAIN, asking for assistance. They assured me my account was not in collections and it showed that way in their system so according to the rep that was helping me " that 's all that matters and it does n't matter what the debt collection agency says ''. I refuted this and said I was concerned this would be reported to the credit bureau if not resolved in a timely manner and the rep said they would have their manager call over to the debt collection agency but it was probably just a lag in their system getting updated and I 'd have to wait a week. I AGAIN requested something in writing from XXXX XXXX  XXXX as confirmation that my account should be out of collections so I could forward that to the debt collection agency and they refused. The Financial Corporation of America debt collection agency has continued to contact me to collect payment and XXXX XXXX XXXX is still refusing to resolve this matter or provide any documentation that it has been resolved despite the fact that I 've made 2 payments to them and my account is up to date. I am at a loss and beyond frustrated at the amount of time I 've spent trying to fix XXXX XXXX XXXX 's mistake and their refusal to help while happily taking my money every month. Please help.
Product: Credit card or prepaid card

-Applied for and received credit for XXXX services from Care Credit -Paid minimum amount ( which is not enough to be interest free, ie they do not divide your payment into 18 for 18 months interest free ) -Charged 26.99 % deferred interest on full balance at end of 18 months. 
-Puts me over limit, however, when I called the company they said that that would be all the interest that would be charged on that amount. 
-WRONG! Charged interest EACH MONTH 26.99 % on the BALANCE ( including interest already added to my balance ) -NOT EXPRESSLY INFORMED of DOUBLE INTEREST CHARGES. 

-Is this legal? 
-Called company and asked them why and they said it is how they handle all their accounts. 

-I should not be charged interest on interest. 
-moving forward, cards like this should divide payments so the consumer knows how much to pay to meet the " interest-free '' requirements. 
-because they offer " multiple '' promotions, the " minimum payment '' should reflect ALL promotional interest free requirements.
Product: Credit reporting or other personal consumer reports

A few months ago my credit was ran by Capitol One Bank for a credit card on XX/XX/year> that I did not authorize. Now this Hard inquire is affecting my score. It needs to be removed because I did not approve of this.
Product: Mortgage

On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. 

On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. 

The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX that is now paid in full. The amount was roughly XXXX. In XXXX of XXXX, due to covid-19, I was granted 4 extensions. After granting me the extensions, XXXX continued to send me statements monthly. These statements, which I will provide, showed me what was owed for that particular month. I also could view these online. When I received my XXXX statement, the first one with a balance owed following the extensions, it showed that I owed XXXX with a due date of XX/XX/2020. I paid this XX/XX/2020. Following this payment, I was bombarded with statements and the amounts owed grew. I immediately contacted XXXX and was told that I owed this money and there was nothing they could do. I told them my monthly statements did not reflect this. I contacted them daily and was able to get them to correct the balance a bit but, they did not want to truly cooperate. I paid them 3 times in XXXX and the balance was paid in full in XXXX. I sent certified mail to XXXX to ask them to remove negative remarks from my credit report. I have filed disputes repeatedly. I am hoping if someone can look at these statements and see what I am talking about. I have never been 30 days late with them! This is their mistake and they need to rectify this. This has been extremely stressful and is going to cost me at least {$3000.00} in finance charges because of my current score with them reporting a late payment. I will pursue this further. They have also changed the late dates a few times on my credit report. First it was XXXX, then XXXX and finally XXXX. The first statement reflecting an amount past due does not even correspond correctly with the previous statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/2022 - {$75.00} In accordance with the Fair Credit Reporting Agency, the company listed above 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 602 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 notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : XXXX reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect XXXX reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX Experian has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Product: Student loan

I had just graduated college and started working making, like most college grads now adays, not enough to pay their federal and private loan payments. I called Navient to see if I could qualify for a lower monthly payment. When speaking to the lady she said based on my income, I should be able to make the payments. I explained I had medical bills, credit card bills ( debt I incurred paying for books for school ), car payment, rent, and so on, and also my federal loan, and her response was to quote, it sounds like you need to eat more peanut butter and jelly. Insane right!? So I got married last year, and student loan debt orang supposed to be transferred to your spouse right?, but when i spoke to Navient recently, they said because now Im married, my payments will now be more because it will be based on me and my husbands income. Now, tell me if Im only responsible for my loan, why are you looking at his income? I was told this is not right.
Product: Credit card or prepaid card

I applied for a Carecredit Credit card for my sick dog. It will help pay for medical care for my dog. I got the card approved on XX/XX/XXXX XXXXand have been waiting to use it when the Vet is ready to proceed with the care required for my sick dog. I have not used the card yet. I have a XXXX  balance because we are hopeful my dog will recover without XXXX. I received a letter in the mail yesterday it states they cancel the credit card due to their mistake .... and that I should not have gotten the card at all due to credit hx. They are sorry but I should have never gotten the card. I think it because I'm waiting for the time I will need the credit card for my dog. Did they run my credit again or are they mad I have not earn them any money. I planned to use it to save my dogs life. It's made to be used for medical care.
Product: Credit card

On XX/XX/2024, while attempting to book flight tickets on XXXX XXXX website, I came across a promotional offer from Chase Bank that advertised a {$300.00} reduction in the booking price. The promotion outlined two steps : Step 1 : Apply for a Chase credit card.

Step 2 : After card approval, continue booking on the XXXX XXXX website. 

I proceeded to apply for the Chase credit card, and my application was approved. However, right after the card approval, Chase website didnt transfer the correct information to XXXX XXXX and the promotional credit wasnt applied. The message further informed me that I would need to wait 5-7 business days to receive my physical card in the mail before I could use the card. 

Feeling baited and trapped, I reached out to Chase 's customer service for assistance. Unfortunately, the representative was unable to provide any meaningful assistance beyond noting my request ( XXXX ) to expedite the card delivery. 

I feel deceived by this experience, as I did not receive the promised benefit of the promotional offer and incurred a negative impact on my credit score due to the credit card application filled under false promise. Moreover, I was put in a position where I had to forego booking the flights at the discounted rate due to the delay in receiving the card.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Chase Bank for misleading and baiting customers with false promises. I would also request to ask Chase to rectify this situation by offering compensation for the loss and prevent similar occurrences in the future. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, or personal loan

In XX/XX/2020, I applied for a {$500.00} payday loan with MintoMoney. I had recently begun a new job and was unable to pay for the gas to attend work for the pay period and needed to pay my utilities or face eviction from my rental home. 

I have several documented deductions from my account from MintoMoney, but received notification of only the following via email - {$130.00} on XX/XX/2020. 
{$130.00} on XX/XX/2020 {$130.00} on XX/XX/2020. 
{$130.00} on XX/XX/2020. 
{$130.00} will be processed on XX/XX/2020. 

I am unable to make these payments as I am currently XXXX  due to COVID- 19, and the lender continues to take payments twice monthly, regularly causing me overdraft fees and related financial issues pushing me further into debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-account ending in XXXX XXXX XXXX is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. Transunion is in direct violation as well for not removing the items under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

They repossed my car for $ XXXXGranted I know I was late for XXXX payment. I am the only invome in my household. My fiance had to quit her job to take care of our XXXX year old baby that has special needs. When I called them I said I paid {$530.00} in XX/XX/2018 how am I late. She said there was still {$35.00} that was 50 days past due? Once again I asked her how when I gave them {$530.00} in XXXX she couldn't give me an answer. Now they tell me I gota pay {$960.00} to get my car back..I don't have that kinda of money and I was never notified that I still owed {$35.00} on my overdue charges. They repossed my car for late fees? Like I said I paid {$530.00} in XXXX how is there any fees? Can you help please. I have all bank records and I have told the repeatedly my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX  credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
Product: Credit reporting or other personal consumer reports

The credit cards below have a zero balance yet my credit reports are showing a balance. The accounts below are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX$3000.00} out of {$3700.00} 80 % XXXX XXXX XXXX {$1300.00} out of {$1900.00} 71 % XXXX XXXX {$200.00} out of {$300.00} 69 % XXXX XXXX XXXX {$470.00} out of {$800.00} 59 % XXXX XXXX {$4800.00} out of {$8300.00} 59 % XXXX XXXX XXXX {$2600.00} out of {$5000.00} 52 % XXXX {$1100.00} out of {$2800.00} 39 % XXXX XXXX {$280.00} out of {$900.00} 32 % XXXX XXXX XXXX XXXX {$430.00} out of {$1400.00} 31 % XXXX  {$310.00} out of {$1200.00} 27 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive XXXX income and denied credit everywhere I can enter a contract and am XXXX XXXX registered
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USD 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumers report containing any of the following items of information any other adverse item of information other than convictions of crimes wich antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has resonable cause to belive that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated XXXX  party. The fraudulent accounts identified are : XXXX Transaction : XXXX XXXX  # XXXX : Balance : {$16000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX  XXXX/XXXX  # XXXX : XXXX XXXX {$670.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX  Services : # XXXX : Balance : {$4000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX  XXXX # XXXX : Balance : {$740.00} : Opened : XX/XX/XXXX
Product: Mortgage

Reverse mortgage took avange of my father XXXX XXXX he had XXXX an XXXX   at the time of signing he wasn't in his write mind was XXXX he had passed away on XXXX XX/XX/19 date trying to save my dads house so reverse mortgage dont take the house plses call XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX It has come to my attention that the charge-off Cis being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I noticed XXXX was charging 2 different finance charges on my bill. Upon questioning them about it, via email and phone call, I was told it was due to their Terms had changed. Now, I was aware of the terms changing, but did not think it would result into 2 different finance charges each month thereafter the terms changing. The only way I could have gotten out of those terms ( according to the supervisor I spoke with ), which was also not stated in the message I was sent online, was to close my card. The way they did this, to me was double billing, in turn against the law according to the Credit Card Accountability and Disclosure Act of 2009. They said its not double billing because of the way their terms are noted. The APR is the same from the past and current Billings. However, Im being charged for the finance charge before the terms changed and the finance charge of after the terms changed. This just does not seem right. I have closed my account with them as of today due to all of this.