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

1. Capital One made an offer that promised to pay {$250.00}, if I deposit {$100000.00} into a new Money Market account and keep it there for 90 days.

2. I made a deposit of {$100000.00} on XX/XX/2018 and keep the money there for 3 months ; 3. On XX/XX/2018, I contacted Capital One regarding this offer ; 4. Online chatting representative told me I am not eligible for this offer because I had had another savings account with Capital One ; 5. I did not see such a restriction when I opened the account ; 6. I demanded to see the original marketing material and the agent was unable to provide.

7. I believe they are intentionally lying to avoid paying {$250.00} to me.
Product: Credit reporting or other personal consumer reports

My credit report show an unauthorized inquiry by XXXX. Call to fraud department said my information doesnt pull out. Am a victim of fraud and I requested this inquiry be deleted immediately.
Product: Credit card

I filed a previous complaint for this same issue with American Express. XXXX. I was sent this letter. XX/XX/year> which I have attached. They have lied contacted numerous times never recieved the credit. Today is XXXX XXXX I still have not recieved the credit with this company.
Product: Mortgage

Our house payments were supposed to be tacked to the end of the house payments. We have decided to move our grandkids closer to family and sold this house. We included the total amount in the sale. The mortgage company at no time ever told us they were charging further interest on the amount deferred in the amount of {$23000.00}. We knew nothing of this til 15 days til close. How did they have the right to profit from US because of the pandemic? It has left us XXXX short on the house we were moving to and may very well have left us homeless. How do they get to put us in a debt they never told us about so that we could have prepared for this? They owe us nearly {$7000.00} from the equity that they say will take 15 days after close due to Covid. Is this not the same Covid WE are experiencing? Why do the worries and horrors of Covid only allowed to effect them and make them need our money but Covid is supposed to effect US? It seems that this company is taking advantage of this pandemic and the people who trusted them with their business. How does this company see this as legal or moral in this time of pandemic that is even slowing Them down and effecting their entire company. One would expect better customer loyalty from Freedom Mortgage. You would expect More Compassion from Freedom Mortgage during a time like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keeps reporting bogus remarks, etc from natrual distaer, write off, etc. needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account start in my credit report on XXXX .... i dont recognize this as mine..
Product: Mortgage

The property address:XXXX XXXX XXXX XXXX XXXX has been in foreclosure since XX/XX/XXXX with no resolution. I complied w/all requests. 
The process of foreclosure started XX/XX/XXXX. I hired a short sale atty and realtor to help get the sale resolved quickly. Wells Fargo continued to give us the runaround for well over one year. Finally, XX/XX/XXXX they approved the sell but by this time I had to file bankruptcy due to the expense of maintaining the property. I had to dismiss my yard and pool man due to lack of funds. It was my understanding that Wells Fargo would make sure the upkeep of the property was continued. I have received a bill from XXXX XXXX ( XXXX XXXX XXXX ) for y maintenance of the property in the amount of {$240.00} for yard service. I do not have the money to pay this bill. Wells Fargo will not allow me to ask questions on my own account. The reps handling the acct # XXXX are : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The ph # XXXX and fax # XXXX Consumer 's Desired Resolution : Wells Fargo has been gathering information on me and the property for almost two years. This process should not have taken this long. I want to have my situation resolved w/n the 30-60 days. I want Wells Fargo to pay the bill for maintenance. There should be open line of communication w/the homeowner 's association regarding what is required to satisfy the deed restrictions in that community. Please have Wells Fargo pay their attorneys that they hired to setup the foreclosure.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt or credit management

Initially, I had signed up with a XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) with my XXXX credit card on XX/XX/XXXX. I had electronically signed it through docusign at that time. I never heard anything from them until XX/XX/XXXX and to current. I have never received postal mail or phone calls from XXXX, only emails and texts! XXXX also goes by XXXX and now Cedars Business Services , LLC. I still have the email saved from docusign, but Im unable to go into it and pull up the contract since time has passed significantly. 

On XX/XX/XXXX {$330.00} was taken out of my bank account at that time. Since then, I had closed that bank account and have opened a new one. I had asked my bank for the phone number to see why the transaction took place. I spoke with an agent from XXXX, I requested and received a copy of the contract. I have saved all emails and correspondence however, the contract only indicates the routing number to the checking account and not the account number on it. The agent proceeded to tell me that I had signed the contract and that I was charged a fee of $ XXXX which is percentage fee of said debt amount at that time and it correctly equaled to XXXX years worth of the lump sum amount of {$330.00}. The agent told me that my full fee amount is {$600.00}, and that I now only owe {$270.00} said XX/XX/XXXX besides the amount of my debt at that time. I didnt officially close the bank account until mid XX/XX/XXXX because once again another {$12.00} transaction was debited from my checking and when I noticed the fee I immediately closed the account. I, then notified my bank and they were unable to investigate or assist me due to the transactions made because they were XXXX, which means I had given the routing and account number. 

Since XX/XX/XXXX, I have communicated and worked directly with XXXX and I even had signed up with a better program through them that offered a XXXX percent interest rate and have lowered my debt significantly without XXXX XXXX XXXX XXXX XXXX XXXX Or whomever they may be. 

I reached out to XXXX card as well and they were able to look into correspondence archives from XXXX. I have those correspondences too. However, ASCs correspondences to Discover card was requesting payment from XXXX when ideally a debt management company is supposed to disburse payment to Discover, but they never did that and Discover ignored XXXX requests because I would pay XXXX directly not to XXXX. XXXX was very successful to helping themselves to my money for the fee and threatening emails and texts that I would have wages garnished and will now report to the credit bureaus. Cedars Business is still indicating that I owe {$600.00} when they had generously helped themselves {$340.00} in total. I am tired of the monthly texts and emails from cedars. I have also googled XXXX address from XXXX XXXX, CA and It is a business office, but it was for sale! No businesses were located and I had intended to reach out to the realtors, but decided not to. I have not replied to any of these emails and texts. I rather not. I have dealt with enough harassment from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after the investigation with the same inaccurate information. 

The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to 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 investigation. 

This is willful disregard of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 American Credit Acceptance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX financial service. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with these people for a long time. I own my first home cash and I have a good amount of money saved up. I currently make XXXX dollars per year. I have been having you call them for a long time to avoid a lawsuit but they just did the same thing again. I need to go to XXXX for a job and I want to keep the same quality if life I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING FOR ALMOST 2 YEARS TO GET SOMEONE TO DO THE FOLLOWING : 1. EXPLAIN TO ME WHY THIS DEBT WAS PLACED ON MY CREDIT REPORT 2. WHY DO THEY KEEPUPDATING IT LIKE IS FRESH INFO, NOTICE THE DATE OF XX/XX/2022 XXXX. THE PHONE NUMBER THEY HAVE LISTED, NOONE ANSWERS NOR DO THEY CALL YU BACK ESPECIALLY On SATURDAY MRNING 4. I HAVE FILED THIS TWICE IN TW YEARS CAN'T EVEN GET ANYNE T LISTEN To THIS BEING A FRAUD SITUATIN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a lot of life event 's and have reached out to Nation Star Mortgage / Mr. Cooper. Their location in XXXX, TX. XXXX XXXX location. I have just figured out that Mr. Cooper along with a company called XXXX " The mortgage is in my spouses name and has been diagnosed XXXX. I have been the co - contributor and the co-borrower. Nation Star and our dedicated loan specialist have instructed me to list myself in this fashion. During the loan modifications. We have asked XXXX XXXX XXXX to asst four times. 
I didn't realize in the paper work we sent them every time that was always lost. We had given permission to access credit bureaus and every single detail of our private history. 
Medical, insurance, social security, everything. I'm appalled, that they got assistance from another company that is affiliated somehow and double hit both of us with hard inquiries. I am accusing them of tampering with my ability to obtain credit and move away from the company.. 

I also know that the P M I insurance has paid them {$180000.00} and we have paid approximately {$20000.00} since 2010. I have asked them for the payment history and who the lender is. We always get contradictory information and statements.
Product: Vehicle loan or lease

I wanted to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : Account Name : KIA FIN AM Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate inquiries on my credit report with Transunion. I called them and they advised that I call the companies to request a deletion letter & to file an FTC report. The companies declined to do so. However, I did file an FTC report. I sent the report certified twice to the provided address and Transunion is still stating that they do not have record of it. The same person signed for it on XX/XX/XXXX and XX/XX/XXXX. I have called numerous times within the last few week and I am unsure what to do next. I have spent money sending mail certified and cant continue to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items that are hurting my credit. Thank you. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Presently, while the account is showing a XXXX balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer XXXX XXXX XXXX XXXX transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
Product: Credit card

Earlier this year, I received an invitation email from XXXX about XXXX credit card application, sent to the email address linked with my XXXX membership account. One of the terms of the offer was " XXXX Bonus Points after spending {$3000.00} on purchases within the first 3 months. '' This offer concluded on XXXX. Using the link provided in the email, I submitted my application before that deadline. Chase serves as the partner card issuer for XXXX. Although my application was initially pending for a few days, it was ultimately approved by Chase. 

Upon meeting the spending requirement, I discovered that only XXXX points had been deposited into my XXXX account. I promptly contacted Chase regarding this discrepancy. Initially, they denied having extended such an offer to me. I provided the email I had received as evidence. Subsequently, they contested the ownership of the email and requested further proof. In response, I provided a snapshot of my XXXX account, clearly displaying that the email recipient matched my name. Despite this evidence, Chase refused to honor the terms of the offer, which I find unacceptable. 

It is unjust that they advertised a promotion yet failed to deliver on its terms, thereby providing me with an inferior offer. This behavior is not only unethical but also undermines the trust between consumers and financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards incorrect items on my credit report. it's been well over 30 day and I still haven't receive any investigation results.
Product: Debt collection

My last attempt to clear my debt with Carecredit/synchrony Bank. So it would seem after numerous attempts to get a settle amount ( no more interest charged ) above the ridiculous interest rate of 25 % after the offer expired. The loan I paid for 2 years every month taken out of my account was exactly the same as when I began because of the interest XXXX. XXXX. Now the debt has been sold to a third party with an answering machine? This was after three phone calls as to where the account was. If Carecredit can sell of there bad accounts and not be responsible for good business practices, it will be difficult would be difficult to see on paper how they are taking advantage of signing up for the credit when your animal is hurt or at the dentist. Again bad business as far as I 'm concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against XXXX for refusing to allowing me to file a dispute online and demanding that I call. XXXX XXXX XXXX XXXX XXXX and do not talk on the phone. This demand is a violation of XXXX by refusing to allow accommodations for XXXX.
Product: Student loan

XXXX XXXX has sent multiple loans into collection when they should not have been. I was enrolled as a full time XXXX XXXX, and by Law have 6 months post XXXX which was XX/XX/2021 to start payments. 

I would like the accounts removed from collections, as they were incorrectly placed there.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian has refused to remove accounts do to fraudulent transactions. I sent XXXX police reports in XXXX showing that I was a victim of identity theft. They have refused to remove accounts connected to the fraudulent transactions on my report. XXXX is connected to identify theft along with so many other fraudulent accounts. XXXX XXXX, XXXX XXXX XXXX  and the list goes on and on. The last name XXXX which isnt my name anymore because it was stolen and being used for fraudulent activity, divorced and XXXX  XXXX. The address XXXXXXXX XXXX XXXX XXXX XXXXXXXX was also used for fraudulent transactions using my social security number. I have disputed these transactions and XXXX refused to remove accounts connected to identity theft and fraudulent transactions. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. This has been a nightmare and unresolved issue for years.
Product: Student loan

I am an XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  that has been having problems with Mohela. Ever since my student debt has transferred to them when I submitted my PSLF form back in XX/XX/2024. My prior servicer had approved a {$0.00} payment for the year, but when I was transferred to Mohela, they have refused to honor that previously approved payment plan. I have called them multiple times, sometimes being on hold for over six hours, and tried to fix this issue. Each time they have said they will work on the problem to get my previously approved payment plan back, but they have sent me repayment schedules that show I will owe a payment of {$230.00}. I have tried to request written confirmation that they will fix this issue but was left on hold and eventually hung up on. I am tired of them not honoring a previously approved payment plan, having to call them multiple times only to be lied to, and for not being able to get anywhere on fixing this issue. I am at a loss at what to do at this point.