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

On XX/XX/2022 I received an offer from Ally Bank for a limited time cash bonus of {$250.00} for opening an account and having a qualifying direct deposit. I followed all terms and conditions of the offer and have not received said bonus within the promised time frame. Numerous chats with customer service state the company was overwhelmed with the response to the offer.
Product: Credit reporting or other personal consumer reports

My account with 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 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 on my account 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 21 days before the payment due date. 


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 21 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 collection

I received a couple emails from different cash advance companies saying that I have to pay a loan that I requested in the past but in the email, never show my information not even my name at least, when I ask for full info about who requested the loan like, date time, city state, full name, full amount and copy of the contract, they just don't reply back. At all only continuing sending the same email harassing me ....
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts. 
I am protected under the Fair Credit Reporting Act ( FCRA ), and I wish to assert my rights as a consumer. The following accounts have been reported in violation of my privacy rights : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681, Section 602 A, I have the right to privacy, and under Section 604 B, a consumer reporting agency can not furnish an account without my written instructions. Therefore, I request that you delete the above-listed account from my credit report immediately.

Please take note that failure to comply with this request may result in a fine of {$1000.00} per violation, as stipulated by the FCRA.

I appreciate your prompt attention to this matter and look forward to your confirmation that these unauthorized accounts have been removed from my credit report.
Product: Credit card

I called to complain on XX/XX/XXXX at XXXXXXXX XXXX. I called w/ a concern about being charged interest on my account. There was a period when the balance transfer amount accrued no interest. After that period the amount would be charged interest. I was informed of this many months ago. When the period was coming to a close I should have been informed of my options to pay off the transfer or to continue to make minimum payments which would reflect any interest. This would be the 2nd time. Of course, Discover, since it was in the company 's interest, felt that the initial notice was good enough. That is what I called to complain about. I spoke to 2 people in XXXX XXXX XXXX. The 1st person on the phone refused to be of any help so I asked to speak to someone else and was helped by a supervisor. Though I did not make a note of the 2 persons names ( why bother as it will make no difference to Discover ), the supervisor promised to credit the months of interest and gave me the amnt of {$1100.00} to pay the transfer and avoid any interest. ( during the interest free period I had made all payments on time ). Despite this I have received notice that I still owe {$75.00} w/ a payment due on XX/XX/XXXX. I am concerned that I was deliberately given misinformation and unless I make some payment on XX/XX/XXXX Discover will make a defamatory credit report. I have scheduled such a payment but protest and do not give up any of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again.
Product: Debt collection

Transworld Systems Inc " robo called '' the house and said they were a collections company and to call them back at XXXX XXXX XXXX XXXX XXXX. I called them back and spoke to a woman and asked her a few questions and said it was inappropriate for them to be calling during a global pandemic. I asked to speak to a manager and she hung up on me. I called back from same number and they picked up and hung up again. I called again from a different number and spoke to a woman named XXXX. I told XXXX I was displeased and asked to speak to the manager. She said she would see if she could get ahold of the manager as they were all working from home. I sat on hold for 15 minutes of her attempting to contact a manager and waiting for a response. She then claimed her computer was crashing and that she may not get ahold of her manager due to that. I told her I would wait till her computer rebooted. She left me on hold for another 15 minutes and then said she was ready to transfer me to the manager " XXXX XXXX '' *. Thirty seconds after her saying she was transferring me the call was dropped. Third time I was hung up on in one day. I have never received a single piece of mail from this company claiming I owe anything. I also believe due to the global pandemic, it is an extremely inappropriate time to be collecting debt. No one is working to pay debt
Product: Debt collection

On XXXX XXXX a collection agency by the name of Southwest credit had placed an unknown debt collection account on my credit report with XXXX which had dropped my score XXXX. However, i did call southwest collection and spoke with a manager name XXXX about the situation. I have told her that the debt is not mines and gave her the account number from the collection information that i had saw on experian. she enters the information and tell me that the account was recently open in XX/XX/XXXX but had been closed since XXXX and i need to call the original creditorXXXX XXXX  XXXX bank which is now XXXX. Which is confusing. Anyway, She gave me the number to the XXXX fraud department and i had call to speak to numerous agents at once while putting me on hold. I was on call with them for about an hour, literally. Anyway, the agent at XXXX  had said that she dont see an account. So i gave her my social security number but nothing had came up either. The agent had told me since i have a common name, it could be a mistake and to dispute the account with the credit bureaus. I said okay and hungup. Seven days later, my report gets updated by XXXX  XXXX bank with the collection amount. So i did dispute the account with XXXX but they had told XXXX that the account is mine and XXXX didnt take the collection off my account. I had never had XXXX at the adress that they had claimed to be and, i was incarcerated in XXXX which i can show proof. And my current adress is on my drivers license.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over 7 years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't check my credit report often but I went to go buy a car weeks ago and the salesman advised me I was declined for a auto loan. When he told me what was on my credit report I started investigating. Someone on the XXXX XXXX XXXX XXXX and California has been using my identity. XXXX. XXXX XXXX is based out of the XXXX XXXX no offices in the south and I live in Alabama. This is fraud - identity theft XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this place is located in XXXX XXXX Nevada - fraud - identity theft XXXX. XXXX XXXX - identity theft fraud someone ordered merchandise and had it sent to a Nevada address this is fraud - identity theft Also there are Nevada address on my credit report that shouldn't be there I never lived in Nevada. Also XXXX area code phone numbers not my numbers please remove these addresses and phone numbers. 
XXXX. XXXX XXXX XXXX XXXX- this account appears to be opened on line and not my debt! Fraud. 
Inquiries XXXX financial - not authorized fraud inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I uploaded a police report and expect these items to be removed immediately from my credit file
Product: Mortgage

My loan was paid in full on XX/XX/2020, there was a remaining balance of roughly {$2500.00} in the escrow account. I have contacted CMG Financial three time inquiring about the refund. It is now XX/XX/2020 and I have yet to receive the remaining balance of the escrow account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & DEPT OF ED XX/XX/XXXX
Product: Student loan

Additional info on XXXX ... .not dupe. 

I had to declare XXXX  XXXX in XXXX due to my medical condition. Although I tried to get my stepson, a veteran of the XXXX XXXX, off of the 2 Private Loans I incurred to due having to help with payment while he was in XXXX, Navient, prior name, Sallie Mae , time and time again REFUSED to remove him although I was assured at the time I incurred the loan that having paid the loans there would be no issue removing him. 

In XXXX, XXXX, I had had multiple procedures, due to a Serious Health condition, and unfortunately, fell behind on my payments due to the financial mess the non-covered medical expenses left me in. 

In XX/XX/XXXX, my items were discharged except for my mortgage and car that I entered into reaffirmation agreements. However, although advised of the XXXX  XXXX, Navient stated that the PRIVATE STUDENT LOANS had to be paid although my XXXX  XXXX was discharged. They messed up my ability to get a lower rate on my re-finance and I was forced to pay them off over {$20000.00} to ensure my step son was removed and that this was the only way I could re-finance my loans. They kept bad items on my credit file and it took several complaints with the CFPB and Credit Bureaus, and XXXX  to correct my credit file. However, they illegally collected on the debt and illegally lied and kept my stepson on the loan. I had damages to my home during IRMA and the funds I would have used to repair my home, I had to direct to NAVIENT. A company that misleads, and lies to their consumer and ruins their credit reports. According to documentation I have read from the Bankruptcy Court and other attorney 's the 2 loans ending in XXXX and XXXX should have been discharged back in XXXX, instead of threatening me to pay them. They ruined my retirement funds and creditworthiness and lied on both the co-signer whose rights as a veteran should have been protected, yet NAVIENT gave every excuse and ran my credit multiple times instead of taking into account my payment history for the years that the co-signer was on there. They harassed me and said that I would negatively affect the co-signer when years and years I had asked to have XXXX XXXX XXXX  XXXX removed. This is an unethical company that feeds off of the sick, and less fortunate in order to profit. They do not follow the law. They lie to their customers and continously mislead their borrowers and mess up their credit files with erroneous reporting. I have filed a myriad of complaints. I worked really hard to recover both my health, physical, mental and financial and Navient made it almost impossible for me to recover financially as they made me pay monies I could have used to repair my home after IRMA, instead I had to take money out of my retirement to pay the deductible. The funds they made me pay in XXXX should be reimbursed in full and they should not touch my or my co-signers credit report ANYMORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online Information Services placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, XXXX XXXX placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX XXXX are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Debt collection

Two attempts were made. 
1. Contacted via phone asking for Address, DOB, and Social Security number, I refused to provide information. 
2. Received following text message on my phone : " Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : $ Monthly : {$90.00} 2 Duration : 27 months Ready to start? Visit springoaks.XXXX XXXXXXXX. Questions? Reply or call us at XXXX during business hours. 
This message is from Spring Oaks Capital , LLC and is related to your account, originated by XXXX XXXX XXXX, now owned by Spring Oaks Capital SPV , LLC. 
We are a debt collector. Click here for important disclosures https : // portal.sprinqoaks.com/disclosures/ XXXX. Reply STOP to opt out. '' It was originated from the number - XXXX
Product: Mortgage

I have a VA loan and live in Florida. Back in XXXX  Florida had Back to back hurricanes, XXXX XXXX and XXXX XXXX. As a result of this hurricane, our home sustained substantial damage, almost {$19000.00}. We first tried to get relief from our home owners insurance, but they said that our damage was do to flooding and we unfortunately did not have flood insurance on our policy. We lived I a non flood zone, so we didn't ever even think about getting flood insurance. XXXX XXXX was a 1 in 500 years flood they called it, and caused more damage than any other flood in the history of Florida. Since my insurance company wouldn't help and COVID depleted all our savings, I reached out to my mortgage company ; CrossCountyr Mortgage to see if they could assist. Since my home was a VA loan and the hurricanes were declared a federal natural disaster, they said I would qualify for a Loss Mitigation. At the time, I had no idea what this was. They explained that they will defere 6 payments, then push those payments to the back of the loan and restructure my loan. After 6 months of dealing with this, they denied my loss mitigation. I appealed the decision and found out it was because they miscalculated my income. After another month, they finally approved my loss mitigation. They raised my interest rate from a XXXX to a XXXX and my payments went from {$4800.00} per month to {$6300.00} which was crazy in itself. They then put me on what they called a 3 month trial payment plan to insure I could make my new payments. As soon as the trial plan started, Crosscountry Mortgage sold my loan to Mr Cooper but as a servicer for Crosscountry Mortgage. I ended up making my XXXX trial payments to XXXX XXXX/Crosscountry Mortgage. After my trial payments were completed, they were supposed to modify my mortgage and restructure my loan. After not receiving any loan documents as they told me I would receive, I called them to check in. They said it will take another week. Another week went by and they said it's still processing. They would not let me make any additional payments during this time either. After week XXXX, I called again and they said my loss mitigation has been denied, but couldn't give me an answer. This is illegal per the VA department when I called them. They lender can't approve my mitigation, make me pay my trial payments as agreed then deny my loss mitigation. It's been in " limbo '' status for 4 weeks now and they will not give me answers. This is unfair, unjust, and just plan wrong. The modification was supposed to help me, not make things worse, increase my interest rate and payments and put me in forclosure. I really need help. I'm an XXXX  vet who worked hard to build my family there dream home. Please help me keep my home. This situation has been extremely stressful, unjust and unethical. 

Thanks for your time XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX the balance was paid off on this card in excess of {$250.00} at which time Chase reflected a credit of this amount. Once this balance showed a {$0.00} amount I called Chase to close the account on the XXXX, where I was told they also showed a {$250.00} credit due to over payment. I asked how that credit would be returned and when I was satisfied with this conversation we agreed and the account was closed. On XX/XX/XXXX they issued a statement showing a {$49.00} interest charge from XX/XX/XXXX thru XX/XX/XXXX. Today I called to sort this out and there was an additional {$0.00} interest added to the on-line balance for a daily balance. I spoke with a supervisor who quoted me a bunch of policies and lines about interest dates and statement dates but wouldn't acknowledge that this happened after they accepted a full amount pay-off in excess of the quoted balance. They had the correct amount of money to pay this off ( which is what I was told when I closed the account ). It seems they feel they are due this money and continue to charge me interest, which is wrong. I do have copies of statements showing when they charged me interest after being paid off.