23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently the debt collection agency Americollect reported a collect account in the amount of {$660.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted Americollect in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such Americollect continues to report negatively impacting information to my credit profile. When contacting Americollect via the phone on XX/XX/20 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to Americollect. As of XX/XX/20 Americollect has not validated the debt as requested.
Product: Mortgage

Subject : Issue with Escrow Account and Lack of Response from Mortgage Companies I recently discovered approximately {$1800.00} in my escrow account, which has been charged to me. After investigating with my current mortgage company, Mr. Cooper, I was informed that this amount was deducted in XX/XX/2021 due to insurance. However, I contacted my insurance company and confirmed that I have been paying for my condo insurance directly since I purchased the property. I also provided documentation from XXXX and the XXXX 's insurance policy to support this. 

Heres where the issue lies : Mr. Cooper, my current mortgage company, states that they have no records from XXXX  and has directed me to contact my previous lender, Home Point Financial Corp, despite the fact that they charged the escrow amount without any prior notification.

When I reached out to Home Point Financial Corp, they informed me that they have no records of my mortgage from XXXX, even though they managed my loan at the time. This lack of documentation raises concerns about potential legal issues, such as lender negligence. 

In cases where a lender fails to provide accurate information or misleads a borrower, there may be grounds for legal action due to lender negligence.

I have been trying to resolve this issue for some time, but each company continues to redirect me to the other, with no response when I submit the necessary proof of documents. 

Could you kindly advise me on the next steps or help facilitate communication between these parties to get this matter resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the bureau to please start an investigation regarding these accounts as they're reporting me as late even when I'm not.
Product: Debt collection

I been receiving phone calls of harassment, profane, abusive, vituperative language, threats of being sent to jail and prison, threats of XXXX and death from Bonneville Collections Debt Collection Representatives for a debt collection account from the original creditor XXXX XXXX XXXX XXXX for {$11000.00}. The debt collection account is a fraudulent account and not my account and is the result of identity theft. Reference Number : XXXX. Bonneville Collections is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting or other personal consumer reports

I looked back at my Credit report back on XXXX, XXXX XXXX, and noticed somethings are incomplete or are inaccurate. According to 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. This Account XXXX XXXX I do not recognize at all. 

[ XXXX XXXX XXXX ] is inaccurate information and I do not recognize this charge off. Date last active, date of last payment isnt correct. Account isnt correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1400.00} ; XXXX XXXXXXXX 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: Checking or savings account

I have met the requirements to receive XXXX AAdvantage miles on a citi checking account offer. I was previously told I would receive those miles on XX/XX/2023. I am still without the XXXX AAdvantage miles.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit card or prepaid card

I was assessed an Annual Fee on my Capital One Venture card on XX/XX/XXXX, and the day after being assessed the fee, I called Capital One on XX/XX/XXXXto see if the fee could be reversed. I was informed the fee could not be reversed, but that I could switch to a Quicksilver card which had no annual fee. I was led to believe this would reverse the annual fee I was charged, as this new product did not have an annual fee and in the disclosures read to me over the phone there was no mention that annual fees already assessed would not be refunded. Note : they will refund them if you close the account, but that harms consumers as it can negatively impact one 's credit rating. I feel the lack of disclosure is unfair and deceptive, and the policy to only reverse an annual fee if the account is closed is abusive, as it can harm a consumer. Additionally, they wouldn't switch me back to the fee product, so effectively I paid {$95.00} for a card that doesn't have an annual fee.
Product: Money transfer, virtual currency, or money service

On several occasions, there was never a person to talk to the whole time that I was using Cash app in the very beginning as my bank account for the first XXXX years I had a lot of trouble with people charging my card, even when it was locked and by the time anybody would get to me, it would be days later they ended up locking my Cash App account that had money in it for months on end and I had no access to anything And there was never a way to call anybody or do anything about it. I ended up having to open a completely different account and forfeit the other one.
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX  I accepted a balance transfer promotional offer from Chase. The terms of the balance transfer were : 0 % variable APR based on the Rate through your billing cycle that ends in XX/XX/XXXX XXXX with a transaction fee at initiation of 5 % the amount transferred. 

The attached XXXX statement reflects the application of the {$12000.00} balance transfer and the {$600.00} transaction fee. 

I pay the statement balance of this card automatically every month. There was no adequate indication that the statement balance would include the balance transferred under the promotional terms. The automatic payment options on this card are : " Statement balance, '' " Minimum payment, '' or " Fixed payment. '' There is apparently no option for a responsible person to arrange an automatic payment that recognizes the explicit terms of a balance transfer. 

The attached XXXX statement, the very next month, reflects an automatic payment of {$12000.00} ( plus {$96.00} in actual card charges ). 

I called Chase today to attempt to rectify the situation. The agent acknowledged that other cardholders had called with this same difficulty! I was transferred to the payments department. The only resolution they would offer was to reverse the payment, placing the {$12000.00} back onto the Chase card **at the card 's APR of 18.99 % **. Under virtually no circumstances would this be a prudent financial decision. Then I suggested they could refund the transaction fee of {$600.00}. The agent attempted to do so twice and was instantly declined twice, raising the question of what sort of adjudication, if any, is actually applied in these situations. 

With this practice, Chase lures customers to transfer balances up to their credit limit, using an attractive interest rate, collects a generous transaction fee, obtains repayment on a schedule that is inconsistent with the explicit terms of the offer, and then attempts to further gouge the customer at their standard rate. This is further predatory as it victimizes consumers who need their money back enough to justify a usurious interest rate. 

I am a responsible user of credit and to be targeted this way is the exact type of abuse the CFPB was designed to protect against.
Product: Debt collection

Continuous calls from AFNI Incorporated regarding a debt that does NOT exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion claims they verified a {$130.00} charge off on my credit report. as you can see in their response, they did not provide how this was verified even though i specified that request in my letter and wanted to see a contract from this company with my name on it. This is the third time with problems with trans union. why are they allowed to bend the rules? for instance, that same {$130.00} was first reported in XX/XX/2019. However transunion is allowing this company to update it every month, then transunion reports it as a new collection every month. it does state age of account is 2yo but it still gets listed as new every month. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 

EQUIFAX, XXXX, AND XXXX ARE reporting late payments on FOR 69 MONTHS- and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EQUIFAX, XXXX OR XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

UNDER ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) EQUIFAX, XXXX AND XXXX ARE NOT AFILIATED WITH FIRST PREMIER BANK. 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unveriflable Information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found lo be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately! 

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

Dear Consumer Financial Protection Bureau, I am writing to submit a complaint against XXXX XXXX for violating my consumer rights under consumer law 15 U.S. Code 1666b. A late payment was reported on my credit profile for the month 's XXXX and XXXX causing my score to drastically drop. The late payments on the report are inconsistent per bureau which challenges the full integrity of the reporting. I was charged multiple fees that were not clearly and conspicuously. I mailed a letter to XXXX XXXX about this error on XX/XX/2022 and it's been we over 35 days with no response. 

According to 15 U.S. Code 1666b, a creditor is not allowed to report a payment as late unless it is more than 30 days past due. My payment was not more than 30 days past due, so I believe it should not have been reported as a late payment.

I request that the Consumer Financial Protection Bureau take immediate action to ensure that Capital One complies with consumer law 15 U.S. Code 1666b.
Product: Credit card or prepaid card

I received a letter from USBank lowering my credit limit from {$5000.00} down to {$2500.00} causing an alert from XXXX lowering my score negatively from XXXX down to XXXX. I have excellent credit, never been late on any credit cards and have stayed with-in the credit limit assigned. I have no collections or bankruptcy. I have a positive checking account and never missed a payment on any other bank product which were paid off as agreed. I've been a great customer. 
I have written several letters to USBank for help and an explanation but to no avail. I have made several calls to customer service, they put me on hold for supervisors and never come back. I was denied an important work contract because my credit character is compromised because of my low XXXX score. I am now viewed as a dead beat, out of work for no apparent reason whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home, and can not move forward because my mortgage loan company claims they can not pull my Equifax credit report. I have called Equifax to ask if any locks or freezes on my report could be lifted, and was told by Equifax that I would need to send in documents ( social security card and driver 's license ) to verify my identity. I faxed these documents and a cover letter with instructions to update my information on file and remove any credit freezes, and was told that I have no file on record with Equifax at all. I find this very hard to believe because I've had an established credit history for at least 4 years now, and the other two credit reporting bureaus have not presented any issues. Equifax has not given me any information on how to get my credit report from them, or make the report available to others, and has jeopardized the home I am in the process of buying.
Product: Payday loan, title loan, or personal loan

To : Blue Trust Loan Loan Department Regarding : Loan # XXXX Account Status : Active {$970.00} of of XX/XX/2022 Note : Paid by direct withdrawal from my Bank Account at this time XXXX Payment every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months See table below. Please advise Compliant : I spoke by phone, with a Blue Trust Loans Customer Representative. I was actually looking for a payday loan, when called I assumed payday loan, the Representative offered me, XXXX, said no, but then she said XXXX, and I thought I could use the extra money and payoff in few payments. I thought. This Representative did did not provide me information regarding the interest rates. I was shocked, these rates were much higher than I had seen elsewhere. After, I was approved and sign I received my loan documents per phone, and busy at work, was not until late that night I check my email for the documents. I did not receive clear information, check your recording. 
I was so shocked to see this, what I did for {$800.00} dollars. For the {$800.00} dollars I was scheduled to pay back for {$3500.00} for 9 months. 
Please see below : Schedule Due Date Principal Balance Payment Due Ending Principal XX/XX/2022 {$800.00} {$120.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$780.00} XX/XX/2022 {$780.00} {$200.00} {$770.00} XX/XX/2022 {$770.00} {$200.00} {$760.00} XX/XX/2022 {$760.00} {$200.00} {$750.00} XX/XX/2022 {$750.00} {$200.00} {$740.00} XX/XX/2022 {$740.00} {$200.00} {$720.00} XX/XX/2022 {$720.00} {$200.00} {$700.00} XX/XX/2022 {$700.00} {$200.00} {$670.00} XX/XX/2022 {$670.00} {$200.00} {$640.00} XX/XX/2022 {$640.00} {$200.00} {$590.00} XX/XX/2022 {$590.00} {$200.00} {$540.00} XX/XX/2022 {$540.00} {$200.00} {$470.00} XX/XX/2022 {$470.00} {$200.00} {$390.00} XX/XX/2022 {$390.00} {$200.00} {$290.00} XX/XX/2022 {$290.00} {$200.00} {$160.00} XX/XX/2022 {$160.00} {$200.00} {$0.00} I was thinking I could pay off in several payments not XXXX times a month for 9 months. The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months. This is s nightmare. 
I am angry at myself for falling into this situation with Blue Trust, even angrier that this company is doing to do this to people. I am sure I am not the only one. I requesting an investigation into this Loan by your company, and after reading online reviews, my question are you able to do business in California? I do pay my debts, but this is unacceptable and unethical. 
I am also, filing a complaint to the California Better Business Bureau And XXXX Attorney XXXX XXXX Thank you, XXXX XXXX XXXX XXXX : XXXX XXXX Cc : California Better Business Bureau XXXX Attorney XXXX XXXX
Product: Credit card

I am having trouble with this ccrd company releasing a refund that was put back on this card from a return I did XXXX. I have called numerous of times and all I get is that my check is being processed, it's going to take XXXX to XXXX business days for me to receive it. I've also spoken with the mgr of the escalation dept. I was assured the check that was sent ( which I haven't received ) will be cancelled and an overnight check will be sent, that was XX/XX/XXXX, which I still haven't received. todays date is XX/XX/XXXX and I still haven't gotton my money
Product: Prepaid card

Hi- I purchased two {$100.00} gift cards from American Express and both were declined at in store retailer-XXXX XXXX  in XXXX XXXXXXXX XXXX FL XXXX 

I attempted to access Amex 's giftcard online balance and purchase history but it kept giving me the same error message. ( upon reviewing, I found many complaints online about this ) I then attempted to call and utilize Amex 's phone automation help but it could not help so I waited to speak with cust serv and after waiting and then explaing the situation I was transfred to another dep't where had I explain the situation again. After over 1 1/2 hours of being on hold I was eventually disconnected ... .this happend twice. 

XXXX card .... {$100.00} XXXX XXXX XX/XX/29 XXXX card ... {$100.00} XXXX XXXX XX/XX/29