23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting a formal complaint regarding a debt collection issue involving American Cordaious International. The matter involves a {$150.00} debt referenced under Reference Number : XXXX and Account Number : XXXX, which was sent to collections despite the fact that it has already been paid in full. Below are the details of the situation : Creditor : XXXX XXXX XXXX XXXX in Dispute : {$150.00} Reference Number : XXXX Account Number : XXXX On XX/XX/year>, I sent a Certified Check # XXXX in the amount of {$150.00} to XXXX XXXX at the address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. The payment was sent via Certified Mail, and the tracking number for the delivery is XXXX. The payment was successfully received and processed by the intended recipient. 

Despite this payment, I was recently contacted by American Cordaious International, which reported this debt as being in collections, suggesting that I still owe the amount. I believe this to be an error, as the payment was made well within the required timeframe and the amount was fully satisfied. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that American Cordaious International corrects their records and removes this debt from collections immediately. The ongoing reporting of this debt to collections is having a negative impact on my credit and causing unnecessary distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 AS WELL AS RETAIL CREDIT ACCOUNTS POLICE REPORT XXXX Deceptive Collection practices-False Personation XXXX. COPIES SENT TO AGENCIES.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed XXXX inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i am asking you verify as accurate : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt included in or discharged through Bankruptcy Chapter XXXX United States Bankruptcy Court - District of Kansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Case number XXXX Open Date XX/XX/XXXX Last update XX/XX/XXXX XXXX  XXXX XXXX Credit card {$1500.00} I am no longer liable for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. XXXX XXXX XXXX.
Product: Mortgage

Caliber home loans are making people pay for things that they should not be paying for. I have a mortgage with them and they require me to have a homeowner 's insurance policy that includes coverage of certain things. The fact is that I also pay for insurance through my HOA that covers the same thing... my hoa policy is a HO3 ( exterior coverage ), so Caliber like other lenders should require me to pay for an HO6 ( interior coverage, which is a lot less ) policy only... .but they don't. They have obligated me to have both policies. I only found out after I purchased my home that this was the case. My neighbors do not have that problem with other mortgage companies. They are all paying for what they should be paying. I have called and wrote, wasted time and effort proving that they are the only one 's doing this and they do not care. They told me that if I cancel my policy that they would buy a new policy and that it would be more expensive and that there is no way around me not paying for it ... ..your only option with caliber home loans is to pay the property off or waste tens of thousands of dollars in unnecessary payments for the lifetime of the mortgage. 
I can not imagine how many people are been charged double and do not know it.

This company is horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account became delinquent in XXXX in the amount of {$160.00} due to extended unemployment. Since then the debt has been bought and sold to several collection agencies. The latest agency, XXXX  XXXX, is reporting the debt as a new debt, first reported date : XX/XX/XXXX. I have filed two disputes to correct this and submitted older collection letters, dated in XXXX, as verification but there is no correction to my credit report. Also, the delinquent amount is {$810.00} rather than the {$160.00} listed on the earlier collection letter.
Product: Checking or savings account

Opened a 12 month CD on XX/XX/XXXX and it was funded for {$5000.00} by a transfer from an external, verified by Marcus, savings account at XXXX XXXX. The funding occurred on XX/XX/XXXX and I saw the XXXX in my MarcuXXXX account that night. On XX/XX/XXXX I tried to log into my account to open a second CD. My account was locked. I spent hours on the phone with Marcus customer support people. They told me both my CD and my credit card had been closed, but for safety reasons they would not disclose why that happened. They refused to tell me how/when I would get my money back. I waited until the weekday, business hours to call again to get my money returned. Many hours of time with numerous reps who were totally unhelpful and frequently dropped my calls while I was on extensive holds. I was finally told my money would be returned to my external account in 8 to 10 business days. That never happened. On XX/XX/XXXX I called again and after more time, more hold etc I was told by XXXX my money would be returned in 1 to 3 business days. That never happened. On XX/XX/XXXX I again called and spent more time ( same story ) with XXXX who after many holds was able to help me. She said the money could not be returned because they could not verify my external account, the very same account they took the money from. At one point I was on a conference call with XXXX, XXXX, myself and a rep from XXXX to verify I was the owner of the account the money came from and was to be returned to. XXXX then verified some info, read me a legal paragraph basically confirming the amount, date of transfer etc. I then asked to speak to a supervisor and was transferred to XXXX. She confirmed XXXX had closed the account correctly and told me she would accelerate the XXXX return and I should check my account that night XX/XX/XXXX. Its now XX/XX/XXXX and I still do not have my money back. 
I do not even care their reason to close the account. I simply want my money returned to me. I am closing my Credit Card with Marcus, and after the return of my CD money i will close my Marcus account. I want NOTHING to do with Marcus going forward
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : XXXX U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Money transfer, virtual currency, or money service

I tried to send XXXX XXXX on the XX/XX/year> at XXXX and it didn't get to the reciever after which it was refunded almost a year later and then I tried to withdraw it and I was told to verify my account again which I tried to but ever since then I have never been able to verify my account because I was never allowed to reach the stage where I actually have to put my I.D or any documents to prove, also this my account was already verified before and they somehow unverified it which I had no problem with but since then up till date but they never allowed me verify and never released my money and I have been with customer represantitves over the years no one successfully could be of any reasonable help, they just kept turning me around and not answer most times. Please I really need your help and intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please be advised this is my second time disputing this inaccurate information taking up my time to do so with no accurate resolution. None of the accounts disputed had accurate information and was not reporting correctly. This has ruined my life and affected my chances of getting a mortgage so i can move my parents to a better and safe home and it is important mostly of this pandemic. i don't want them to catch the virus  so please hear me out. A few days passed and I still did not hear anything back.
Product: Credit card or prepaid card

In XXXX i lost my job due to XXXX and constantly being admitted into the XXXX. I contacted Capital One to get assistance being that this is my major credit card. Since having my account i have not missed any payments and ive kept my account up to date. After contacting Capital One and the agent advised on with the Covid Relief on my account so that i wouldn't be penalized for payments. During this call she stated that i didn't have to make any payments for the next 90 days to keep my account under this standing. Since then my account has been closed and placed into CLOSED status after i was told i would not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account does not belong to me nor should it be reporting to my credit file. I'm demanding that this unauthorized and unknown account be removed and blocked from my credit file. 

1 XXXX XXXX XXXX {$300.00}
Product: Credit card or prepaid card

I had a Home Depot credit card through Citibank that was paid through a Chapter XXXX Bankruptcy. The bankruptcy was discharged in XXXX of 2017. The company now has my status as derogatory after it was satisfied in my bankruptcy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

CHASE BANK IS PURPOSELY DELAYING SENDING ME A PAY OFF STATEMENT IN WRITING, TO FORCE THE HOUSE TO GO TO SHERIFF SALE 9 DAYS FROM TODAY. EVEN THOUGH THEY KNOW THAT I HAVE A CASH BUYER WHO NEEDS THE AMOUNT IN WRITING TO WRITE UP A CONTRACT. THIS IS BECAUSE THEY WANT MY HOUSE. THE FIRST LOAN 'S BANK OFFICER SAID THAT CHASE ASKED THEM FOR THE PAYOFF AMOUNT. THE FIRST BANK SENT ME THEIR PAYOFF AMOUNT IN WRITING. CHASE IS STOPPING THE SALE BY DELAYING THE TRANSACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining about my credit score according to law 15usc-1681 equifax have been reporting my credit score incorrectly an I need everything deleted off my account asap
Product: Credit card or prepaid card

To ; whom it may concern i have been with kohl 's for almost four years in which they started me out with {$300.00} credit limit in which I made off faithfully then after paying that {$300.00} off I didn't ask for an increase because they use to just add it to the credit any that never happen so I used the {$300.00} credit limit again paid it off again in good standard now the third time I called customer credit support an ask why I had not received increase they tell me they to go into my credit again and I asked them why my credit with you all are in good standard they told me to be looking for a letter though the mail in which I was denied again ok now the 4th time I used the card again because my sister an mother had claimed that kohls had done the same to them as well but after the second time kohls ended up giving my sister an increase from {$300.00} to {$1200.00} but never give me nor my mother an increase so again I contacted kohls again on XX/XX/2020 after making a {$50.00} payment on my account in the mist of the phone call I ask the rep could I get an increase because I had received an email from kohls of thanking me on been a loyal customer for four years after reading the email I was truly feeling like that kohls for now starting to discriminate my right under the fair credit protection I paid interest fee taxes but I still wasn't offered an increase I am a united state citizen an feel that I am being discriminated for no good reason I feel and know my other credit merchandise credit always give me an increase every time I pay off my limit so far kohls is the only card that I am having this problem with if I was another color living in a better neighborhood I would have had an increase first time around no question asked. also i have talked with kohls on to many occasion still nothing after telling them that what they was doing to me wasn't right and that i would be seeking help from the consumer protection they told me can't nobody make or tell us to give you an increase so that when I came to term that it was time for me to contact the CFPB concerning this matter all I want is to be treated equal I can see if I missed payments after payments then I would understand but the case is far more sinter then that so I come to you all to please let kohls know they need to play fair the only reason I have not closed my kohl 's account is because I like kohl 's products but I refuse to sit back and be treated unfairly I would close my account out before I let them continue to treat me unfairly..
Product: Debt collection

My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Portfolio Recovery Associates. In XXXX of XXXX, I became aware that Portfolio Recovery had listed a collection regarding a debt that they claim that I owed. I immediately asked them to produce documentation validating this debt in accordance with the FDCPA. It became clear that the account numbers were inaccurate between the bureaus and Portfolio Recovery could not produce a signed contract after multiple reinvestigations. It was so egregious that XXXX removed the account from their report due to this companys refusal to follow the law. Over the past two and a half years, I have given them multiple opportunities to validate this debt and they failed to do so. The account is now so old, it has been time-bared from being collected on in the state of Florida. When I informed them that they no longer have the right to collect on this debt, Portfolio Recovery Associates expressed their intent to violate state law and continued collection action on this debt. This is not new behavior for Portfolio Recovery, as evidenced by the order in XXXX of XXXX where the CFPB ordered them to pay {$24.00} XXXX to compensate victims due to their willful and deliberate violation of the FCRA and FDCPA. This organization has open contempt for the law and those who are tasked with enforcing it. Since Portfolio Recovery Associates has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to remove this time-barred account. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
Product: Credit reporting or other personal consumer reports

I disputed accounts thats was on Equifax the company didn't not conduct a investigation instead they sent a stall letter in my email which violate the Fair Credit Reporting Act they is furnish inaccurate information on my credit report which is consider fraud information was requested from 15 U.S.C.1666 b timing of payments. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if15 U.S. Code 1681e - Compliance procedures 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. 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required
Product: Credit reporting or other personal consumer reports

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

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

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

XX/XX/2023 I followed up with a banker at JP Morgan Chase who contacted me prior in hopes of my company accepting a credit card the business. I was informed that I could receive up to three credit cards offering different benefits. I decided to come into the branch and complete the proceed the application. After the submission I was denied, per Equal opportunity credit act : This Act ( Title XXXX of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. Also, 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am demanding correction of the application status from denied to approval with the credit limit of {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureau collection item appeared on my trans union credit report. I mailed a validation letter for the debt dispute. The debt collector failed to respond. I have no knowledge of the account.