23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My experience started when I flew to Florida to close a checking account in my mother 's name which I was the sole beneficiary on, following her death. There are no Chase Bank 's in the state where I live. They were not able to close the account, collected copies of paperwork and after many phone calls to followup and being passed off to many people I received a check for the balance ( over {$80000.00} ) in the account after a few months! Now I'm dealing with another issue related to the same account. The account is closed. The bank had issued a preauthorized automatic payment before closing the account. I also paid the same bill from the estate account. Thus the payee returned the funds electronically to Chase Bank to credit the account after it was closed. On XX/XX/2020, Chase bank mailed a check to the estate for the funds ( {$1600.00} ). I was unaware of what had happened, Chase offered no explanation with the check. I called them about it on XX/XX/XXXX and discovered the issue. Because I was the sole beneficiary on the account and the estate had already paid the bill I was entitled to the funds personally. I spoke to a representative who advised me to mail the check with an explanation to a specific person at Chase Deceased Processing office. I mailed the letter and the check to them on XX/XX/20. I called to followup XX/XX/20 and they claimed they never received the check and insisted I needed to fax them a copy of the letter and check. I do not have access to a fax, they would not accept an emailed copy only a fax or another mailed copy. I was able to find an app to fax this to them after hours of time. I called to follow up again and they matched my fax with the file. On XX/XX/20 I called again to follow as they had advised they would escalate the issue and be in touch and I had heard nothing. I was never able to speak to anyone specific only call and talk to whomever answered the phone and then go through the whole scenario again with each call. on XX/XX/XXXX they advised they had located the check and would reissue it. On XX/XX/XXXX they confirmed they had sent it to the appropriate department who issued the check and it was to be reviewed and processed. I was told it should not be a problem and I should have a check soon. I asked what to do if I did not receive it and they told me again to call the same number and start over. I was out of town, upon my return today, I called XX/XX/20 ; they have no updates and claim they will check into it and follow-up. I'm very frustrated and feel they are not being fair to consumers.
Product: Debt collection

The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.
Product: Debt collection

I had a mortgage with DITECH and paid direct deposit from my XXXX monthly with no lapse in payment EVER. DITECH sold out to XXXX, which I have now started making my payments and actually paid both DITECH AND XXXX for the same month. apparently DITECH was to ensure all my payments were forwarded to XXXX, but now XXXX is claiming they did not receive MY payments. I have proof on my bank account statements of all my payments which are up to date. I can not get through to DITECH, I imagine they are gone, but XXXX is no help. please assist me with this Issue, I can provide my bank statements for proof.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a XXXX XXXXXX/XX/XXXXaccount on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Disputed Account Information : Creditor Name : XXXX XXXX Bank Date Opened : XXXX XXXX Date of First Delinquency : XXXX XXXX XXXX is incorrectly reporting that I stopped making payments in XXXX, when in fact, the last payment on this account was made in XXXX. This appears to be a deliberate re-aging of the account, a deceptive practice that violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers report only accurate information.

Under the FCRA 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts such as charge-offs and late payments can not be reported for more than seven years from the date of first delinquency. Since my true date of first delinquency was in XXXX, this account is past the reporting statute of limitations and must be immediately and permanently deleted from my credit report. 

Formal Request for Resolution : Immediate Deletion of This Account The inaccurate re-aging of this account extends its reporting unlawfully. I demand its permanent removal from my Experian, TransUnion, and Equifax credit reports.

Written Confirmation of Deletion Provide me with documentation confirming that this account has been deleted from my credit file.

Failure to comply within the 30-day timeframe under 15 U.S.C. 1681i ( a ) ( 1 ) will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further enforcement action. 

I expect your immediate attention and compliance with this request. Thank you for your prompt response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello, I would like to share my experience with a Chase Credit Card which I believe is a " Deceptive '' practice defined in XXXX. Chase promotes " Pay off your purchases over time with My Chase Plan '' with emphasis on " no interest '' payment as advertised on their website : " Create, track and calculate plans with no interest, just a fixed monthly fee. ". " My Chase Plan '' is completely misleading for consumers. For example, for a purchase of {$5600.00}, as part of " My Chase Plan '', I was offered 18 monthly installments, {$350.00} each, including a monthly {$40.00} fee. Purchase APR for my card at the time of this offer was 15.99 %. If I apply this interest rate ( 15.99 % ) to {$5600.00} ( the purchase amount ) with 18 monthly installments, it comes to {$350.00} which is almost equal to what My Chase Plan offers. In other words, I am paying the same interest amount but have the impression that I don't pay interest and just pay {$40.00} monthly fee. This is completely misleading and also inaccurate by defining the amount as monthly fee instead of interest rate.
Product: Credit reporting or other personal consumer reports

I requested XXXX Equifax and XXXX to look into my credit report fornaccuricies that pertained to my XXXX XXXX acct and they verified whatever information they had in the system. I was not satisfied with the result so I reached out to the company and requested the information that they were verifying. To my surprise i found that the amount that the 3 bureaus verified is {$16000.00}. The information I was supplied with from XXXX XXXX reflected {$13000.00}. 

Equifax and XXXX has addresses that i do not recognize. I would like the record to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reach out to these companys to see who asks them to pull my credit report. These are unauthorized. 

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

We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280  points because of this. 

We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance across all credit cards went up by {$6.00} and yet my FICO 8 with Experian dipped by XXXX points. Please tell me how this equates? Ive paid off credit cards and have made other payments in the past of hundreds of dollars and my score never went up by 31 points or even close to that. How does this math compute? Cfpb oversees this process and regulates Experian correct? This is an absolute unfair business practice. Please resolve and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that are violating my rights under the Fair Credit Reporting Act ( FCRA ). These inaccuracies are affecting my credit score and my ability to obtain credit, and I kindly request that you investigate these matters and remove the incorrect information from my credit report as soon as possible. 

Specifically, I would like to request the removal of the following items : XXXX  XXXX bankruptcy discharged Case Number : XXXX According to the FCRA, inaccurate information on my credit report must be promptly corrected or deleted. As this account has been discharged, it should not be reported on my credit report, and its continued reporting is in violation of the FCRA. 

XXXX XXXX Account Number : XXXX The FCRA requires that any information reported on my credit report must be accurate and complete. However, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. 

XXXX XXXX XXXX Account Number : XXXX Similarly, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. This violates my rights under the FCRA. 

XXXX XXXX Account Number : XXXX Once again, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. This is a violation of the FCRA. 

XXXX XXXX XXXX Account Number : XXXX I would like to remind you that the FCRA requires that information on my credit report must be accurate, relevant, and timely. However, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. 

XXXX Account Number : XXXX The FCRA also requires that information reported on my credit report must be based on reliable sources. However, the same incorrect information regarding late payments is being reported on this account even though it has not been updated. 

XXXX XXXX XXXX Account Number : XXXX The same incorrect information regarding late payments is being reported on this account even though it has not been updated. This is a violation of my rights under the FCRA. 

XXXX XXXX Account Number : XXXX I would like to remind you that the FCRA requires that information on my credit report must be accurate, relevant, and timely. However, I have never had any business relationship with XXXX XXXX, and the inclusion of this account on my credit report is in violation of the FCRA. 

In light of these violations of the FCRA, I kindly request that you investigate these matters and remove the inaccurate information from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

HIPAA Violation : I did not give authorization, written or verbally to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that releases my PHI to them. If an electronic transfer was conducted then they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also, they need to provide a copy of their BUSINESS ASSOCIATES AGREEMENT ( BAA ) outlining their responsibilities to the covered entity pertaining to 45CFR 164.504 ( e ). QUALITY ASSET RECOVERY needs to prove the accuracy of the amount alleged to be owed by providing a full accounting in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points. ALL correspondence is to be considered evidentiary.

Alleged account XXXX**** my report does not provide a full acct # Alleged amount owed {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by TransUnion, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. XXXX - # XXXX
Product: Credit card or prepaid card

I have opened a XXXX 's XXXX Store Credit card with XXXX sometime in 2014. However, Lately. I lost my job and fell behind my payment for about 2 months. 
As the result of it. The card issuer started charging for late and over the limit fee 's. I called the and explained my situations. The Customer Service ask me atleast to come-up with {$120.00} and the next month payment of {$120.00} they will removed the all the late and over the limit fee 's they have imposed on my account. I have complied with the former agreement. However, I found out the latter never kept their words. And kept on raking me with more charges. Thereby, The Outstanding due payment still keep on going high with all the penalties they never remove as agreed. Despite, My limited cash. I tried to make a payments. But, My balance never gone down. And it is beyond my reach to pay them as the penalties keep on increasing. I am asking the said Card company to give me the chance to pay them back without adding more Interest and penalties to my account. Or I will be in default with when I can't afford the higher payment anymore. They can close my account and I will stop using their Credit Card and make a fixed monthly payment that will help me pay them back. Without causing a burden financially on my family
Product: Mortgage

My wife tried to fix this with no success so I am going to try! My name is XXXX XXXX XXXX and I just closed on my loan XX/XX/XXXX. The entire closing process what a Disaster! I changed my loan amount on XX/XX/XXXX increased by {$3000.00}. I was told all was good loan would close XX/XX/XXXX as I received my CD on XX/XX/XXXX. Well it all went to XXXX from there! No closing Sat! Was given the run around about things I already addressed and then!!! The day before I needed to close because I was leaving out of town ( XX/XX/XXXX ) I was told the address on the appraisal was wrong and needed fixed!! They had this appraisal for 3 weeks at this point!!! Why was this not caught 3 weeks ago? Nevertheless after another day of XXXX a closure shows up at my house XXXX XXXX!!! On XX/XX/XXXX! I asked him for the CD with the new loan amount as o had been asking since XX/XX/XXXX and never got it! Well guess what! My cost to close increased from $ {$2700.00} to {$4300.00}!!! I was beyond shocked!!! My wife tried to get it fixed! No fix!! So here we are! My wife tried to get someone at the bank to evoking the charges and no one responded to her! We closed as my mental health could not take dragging this out! I looked at the second CD which I should had been given well before closing and noticed they have being taxes of {$660.00} That was paid by U.S. Bank onXXXX from the escrow account they manage!!! Why in the world did they pay them at closing? There response - if it is an over pay XXXX county will refund well not to us but back to the back in which we may never see the funds! I did not increase my loan amount for them to wrongfully use my cash out funds!!! I had every penny account for to payoff my debt! Because they never sent me a recused CD when the loan amount increased I never saw the cost to close from the first CD! The Other cost increased from {$1000.00} to XXXX!!! How!!! I am pretty sure there are tolerance issues here under the XXXX rule! Also note- no revised LE was issued when the loan amount increased XXXX issue??? This could had been fixed had they given me my CD before XXXX at closing!
Product: Mortgage

I currently have a home equity loan with HSBC Mortgage services. I have had this account for almost 10 years. I use this account to buyer homes and use it for Capital when I need it. I have a long history of paying the loan down and then I draw on it again when I need. HSBC closed out my account without my permission. I never wrote a letter stating I wanted it closed. In fact I received a letter showing a full payoff and closure of my account. I have been calling them since XX/XX/XXXX asking them to re-insate the loan because it was closed out without my permission. Now almost 2 months later, I am put in a financial bind because I need to make a draw. I still do not have closure to this situation and furthermore now I being told as of today that I am past due on my loan. How can this be??? I have a letter stating its paid in full. These people are not interested in helping solve the issue and now they are ruining my credit saying I am late on payments. I am now also going to lose a house and have financial hardship because they closed out my line of credit without telling me and I needed that line of credit. This is now putting me in a financial hardship and they refuse to help me.
Product: Mortgage

Ocwen Loan Servicing used its cozy relationship w/ XXXX as a weapon to threaten me, that if I did n't sign the pretender lender loan servicers {$750000.00} loan modification they would proceed w/ fraudulent trustee sale and kiss my home goodbye. I signed the fraudulent {$750000.00} loan modification under duress w/ fear of Ocwen throwing my children in the streets. Ocwen is using fraudulent foreclosures. I own my home free and clear. Ocwen scums threatened me that if I do n't pay them over {$200000.00} more then the {$550000.00} Option One Mortgage loan that was paid off over 10 years ago they would instruct is cozy buddy XXXX to proceed with the fraudulent trustee sale. I signed the fraudulent loan modification with fear, XXXX continued to have a active trustee sale months after I signed the modification under duress, the harassment, threats and people banging on my door continued for months. Emails attached.
Product: Debt collection

On XX/XX/XXXX, a representative named " XXXX '' of Nelson Cruz and Associates contacted me regarding a debt they allege for a payday lender, XXXX XXXX XXXX. 
She made several false statements during the call, which she claims was recorded. 
XXXX ) she said that XXXX XXXX  notified of multiple NSF payments- this is false, because on XX/XX/XXXX I notified XXXX XXXX to halt all ACH/electronic withdrawals, and they responded acknowledging they had done so. 
XXXX ) I attempted to explain to the representative that I was on XXXX XXXX  at this time, and she said " So, you were on XXXX XXXX  when you took out the loan ''. I was not, I was not of retirement age when the alleged debt occured. She further said " that's what my paperwork says ''. I know this to be a lie. 
XXXX ) I advised her that I was set for an XXXX XXXX and her response was " is that why you are so angry ''? I told her I was not paying the debt, and further attempted to explain that I have requested proof of this debt from XXXX other companies and it has never been provided. 
XXXX ) I explained to her that the loan was predatory, and exceeded the legal limits in my state for interest. She did not want to hear my explanation, she continually tried to talk over me and then threatened " we'll just report it on your credit report tomorrow ''. 
I've received no proof of debt, and absolutely NOTHING in writing from this company. They left me a voicemail stating " you must accept our offer today ''. No offer had been made. 
XXXX ) They are not licensed to collect debt in the State of Indiana
Product: Credit card

I had paid off my Children 's Place credit card on XX/XX/year> and accepted My payment went through on XX/XX/year> and my bill is due XX/XX/year> they charge and interest of {$5.00} on XX/XX/year> for a purchase interest. I haven't made a purchase since XXXX or XXXX. They Keating late fees and refunds and removing refunds. I did not get a notice that I had any payments to pay until XXXX when they called me. Usually I get a paper statement or email. I did not recieve none of those. I talk to them and ask why was I being charge ans explain the charges to me. They did not I emailed as well. Rhe last conversation I had asking ro remove because they didn't have a reason charge me purchase interest and a rep that they will remove the rest of the charges if pay {$37.00} on the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.