23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Recently I had the opportunity to talk directly with XXXX XXXX XXXX at XXXX XXXX, CA and felt inspired to reach out to discuss an issue that occurred through one of the biggest military savings bank, USAA, in 2015. I had heard some of the benefits of SCRA and did plenty of research. I reached out to USAA and asked them if they would honor me, a 17 year XXXX XXXX XXXX, with SCRA benefits, for ex. lowering my APR on credit card bill. They responded with not only a no, we ca n't do anything for you, but stated that it only is good for those members that recently XXXX or were XXXX, and it 's only good for 60 days after you return or moved. I stated to them, per the law, these benefits were to extend to a servicemember during their entire commitment to the military and would terminate 30-90 days after discharge from the service. They stated that I was in fact incorrect, and that they were only required to cover a member with benefits from SCRA if they were XXXX. They even had a clause that stated if you achieved a XXXX, that it may qualify you for the SCRA benefits. I submitted my XXXX, and they stated it was too far out of the window. I have copies of both denial letters. My frustration is that other banks can honor different things with the same law. I 've had some military members ask their bank about SCRA and they had granted the lower APR while on XXXX XXXX even if there was a debt incurred prior to active service. Some actually received back pay for their credit card interest over 6 %. Maybe it is my own personal feelings, but how is this equal that a person can incur massive debt prior to the military, apply for SCRA and have his APR reduced to about 6 % and it remains active for 20+ years but a young XXXX that was a bit more financially responsible can not receive the same benefits if they inquired about SCRA the first day after enlisting? They may choose to spend the next 20 years fighting for a lower APR by constantly charging higher APR credit cards that they qualify for, take out several loans, store credit cards, trying hard just to maintain their credit and perhaps never reach a 6 % APR? According to USAA, you only can qualify for SCRA benefits if you have orders to PCS or deploy and that will only be good until you return to your homestation.
Product: Checking or savings account

About eleven years ago, I received a home mortgage from RBFCU ( Randolph Brooks Federal Credit Union ). They required that I " join '' the credit union by opening a savings account with {$1.00} in it. Not a problem. 

A few days ago, I received a letter threatening me with fines for inactivity on the savings account. Okay, I don't use it and don't want it. So, I called them up today ( XX/XX/year>XXXX  ) and asked to close the account. They refused on grounds that I have a mortgage with them. I do not believe this is legal. 

The threatening letter is attached as is the fee schedule.
Product: Debt collection

I.Q. Data Internacional , Inc. Collection keep calling my employer, family and friends. 
Harassing me with putting a lien on my property and garnish my salary. 
Collection agency keep repeating they have many ways to make pay the debt, insinuating that can show up at my door, and telling me they know everything about me.
Product: Checking or savings account

I opened an account with Axos bank under a promotion XXXX in which I would receive {$300.00} if I deposited {$7000.00}. I abided by all the terms of the promotion immediately ( i.e. in XXXX ) and was waiting for the payout, when there were reports of people receiving the bonus at the end of last month. This was early, to be sure, but it was easy to tell from the reports coming out, that Axos had only paid out bonuses for the people who made deposits in XXXX, excluding people who made earlier deposits in XXXX and XXXX, even though there was nothing about this in the promotion 's terms. 

I chatted with customer service twice about this already ( XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX ) and it's clear that they are not doing anything to rectify this issue. I also sent several secure messages that went unanswered. 

Administering the bonus in this way even though they technically have more time to pay it out is prejudicial to customers who met the requirements early.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPRING OAKS CAPITAL LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with SPRING OAKS CAPITAL LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately. 

I received no response to my debt validation letter dated XX/XX/2022 ( XXXX XXXX Number # XXXX ) to SPRING OAKS CAPITAL LLC. SPRING OAKS CAPITAL LLC are not complying with the law 12 CFR Part 1006.42 which requires them to send required disclosures with their response. 

I demand for SPRING OAKS CAPITAL LLC to DELETE the negative item from my credit file, immediately. In my Debt Validation letter dated XX/XX/2022 ( ATTACHED ) I requested for SPRING OAKS CAPITAL LLC to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding SPRING OAKS CAPITAL LLC to abide by the law
Product: Debt collection

Received several call in the past month from XXXX XXXX of Greenback Recovery XXXX stating I owe {$1500.00} and how I want to pay for it I told him I have never received anything from any Credit Card company asked him to mail it to me. Its been 3 week and I have n't received anything but tons of messages telling me they are coming to my home and that I need to show passport and drivers license or they will go to my job.
Product: Credit card or prepaid card

I have a business account with Bank of America but this complaint is about my personal credit card. I experienced a life changing event. My mother having XXXX and XXXX XXXX. Also my mother XXXX XXXX the reason for the delay and why I was not on top of my bill. I had a lot of charges I wanted to dispute from XXXX XXXX It was late I know but the rep on the phone said it was ok and she would send out the older bank statements because they were no longer online. It took forever to receive. When I finally got it and tried to submit the claim the bank is now saying they dont know why the previous rep said I can dispute and it is too late. My balance is now at {$1700.00} and it is over the credit limit of {$1500.00}. They are not trying to help me at all with anything, they expect me to pay finance charges and all these late fees and possible while I was trying to resolve it and the disputed fees. This does not seem right. They said they have no settlement department either. Im just stuck with all these crazy charges now. 
XXXX XXXX. XXXX last XXXX social.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XX/XX/XXXX - Balance : {$29000.00} Account Name : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX - Balance : {$36000.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recieved a call from a debt collections Agency called Dynamic Recovery Solutions. I am very careful with my bills and mobey owed and I know for a fact I have NO DEBTS needing collections, especially any that I would n't have information on. I read online the kinds of threatening tactics they use towards other people and do not wish to be threatened over nothing myself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by creditors and the significant adverse impact it has had on my life. I kindly request your intervention to enforce my legal rights and seek the removal of unverified accounts from my credit report. 

Violations of the FCRA : Unauthorized Credit Inquiry by XXXX  : Section 604 ( a ) ( 3 ) ( B ) of the FCRA On XX/XX/XXXX, XXXX  conducted an unauthorized credit inquiry without my consent, violating Section 604 ( a ) ( 3 ) ( B ) of the FCRA. This unauthorized inquiry has had a lasting impact on my financial well-being. 
Personal Impact : Allow me to share the emotional toll these violations have taken on my life. The unauthorized inquiry by XXXX has been nothing short of devastating. I vividly remember that day as a turning point in my life. I had been diligently working to rebuild my credit and secure a brighter financial future for my family. That credit inquiry not only shook my financial stability but also took a toll on my mental and emotional well-being. 

In the wake of this unauthorized inquiry, my credit score plummeted, and I found it increasingly challenging to secure favorable terms for loans, mortgages, and even credit cards. It has caused undue stress and anxiety, affecting my sleep and overall quality of life. The dreams I had for my family, such as buying a home or financing my children 's education, have become distant and unattainable goals. 

Request for Resolution : I am kindly requesting the following actions : Enforcement of my legal rights under the FCRA against XXXX for the unauthorized credit inquiry. 
Immediate removal of the unauthorized inquiry and any associated negative marks from my credit report. 
I implore the CFPB to use its authority to ensure that creditors comply with the FCRA and respect consumers ' rights. The impact of these violations extends beyond mere financial inconvenience ; it has profoundly affected my life and my family 's future. 

I am ready and willing to provide any additional information or documentation required to support my case. I kindly request a thorough investigation and a timely resolution of this matter. 

Thank you for your attention to this serious issue. I look forward to a swift and just resolution that will help me regain control of my financial future and peace of mind. 

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

There are several inquiries on my Equifax credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 21 days before the payment due date. 

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

Erroneous information being reported
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a phone ( XXXX XXXX XXXX ) XXXX XXXX. Prior to ordering the phone, on XX/XX/XXXX, I called XXXX ahead of the purchase to gather the proper information needed to decide if I should make the purchase. During this call, I confimred with the customer service representative that upon purchasing the phone that the monthly payment associated with the phone ( {$19.00} ) would be linked to my XXXXXXXX  phone bill and that I would pay XXXX directly for the purchase. I then puchased the phone online through their website, upon receiving confirmation, I was directed to contact TD Bank in order to complete the purchase. This is where even more concern of mine comes into play. I contacted TD Bank on XX/XX/XXXX to finalize and activate the purchase at which point I confirmed multiple times over the phone with the representative that not only would my payment be linked to my T-Mobile phone bill, but that was purpose of this call in general as the linkage can not be done online and required a live representative. Upon receiving the phone, months later, I began receiving bills in the random amount of {$19.00} from TD Bank for an account that I had no knowledge of. I began making phone inquires regarding this account attempting to dispute in XX/XX/XXXX. In XX/XX/XXXX, I believe that is the correct month, I was directed to file a dispute online. This dispute took well over 90 days to resolve and the resolution on indicated that they confirmed I made a purchase with XXXX XXXX. None of my request to look into their deception was reviewed and completely overlooked. I was never looking to open a credit card account, and I have actually never even received a credit card from either organization. However, my credit has been incredibly impacted and I owe way more on the balance than I ever intended on paying for a phone for an account I should have never had. Since receiving the results of the dispute, I have attempted to redispute this with both TD Bank and XXXX XXXX as none of my questions were responded to. I have also been pending a manager call back from TD Bank and made over 4 requests for this just in the last month alone with no response.
Product: Debt collection

Debt not owed. Disputed several times. Debt and amount was never verified as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry appeared on my credit XXXX report without my consent
Product: Credit reporting or other personal consumer reports

I noticed a medical debt on my account and tried to remove it. I want this removed as soon as possible.
Product: Mortgage

As of XX/XX/2013 I got behind 2 payments on my mortgage loan they kept threatening me with foreclosure sending me certified notices so my only option was to get a loan modification I did not realized because of the 2 months I was behind they were going to add 15 years to my mortgage loan is that legal? I kept sending the mortgage company certified letters requesting how many months I was past due before I got my loan modification but they ignored all my request, I finally found a letter from mortgage company stating I was only behind 2 months, a default on a loan is not until the loan is behind 4 months so I am not sure why they kept threatening me with foreclosure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX 

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

15 U.S.C 1681 section604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Product: Debt collection

I had an account with XXXX that was opened by my daughter in my name ... when i found out about the account i had her cancel it ... i later collected all the equipment involved and they told me that the account had a XXXX balance ... but it had since gone to collections and i have yet to get the collection people to get with XXXX to show that i have a XXXX balance ... and i keep getting this disputes and removed for a while qnd then after awhile it shows right back up.
Product: Prepaid card

I am seeking a balance check in order to dispute a transaction in the amount of {$48.00} made on XX/XX/2024. The company provides a website vanillagift.com and a page to check the balance. However when checking the balance an error is shown " A system error has occurred. Please try again later ''. This occured on Thursday XX/XX/2024. When calling the customer support number, an automated robot asks me to enter the two numbers spoken as a security challenge in order to continue the call. The numbers are XXXX XXXX. When I enter the numbers, the robot says that the entry is incorrect and abruptly terminates the call.
Product: Credit card

My wife and XXXX sons ( ages XXXX & XXXX ) went to XXXX XXXX on XXXX XXXX, 2016. The CapitalOne credit card she was using was hacked on XXXX XXXX, 2016. CapitalOne balanced out the fraudulent charges and closed the credit card account and told us that they will have a replacement card shipped to her, in XXXX XXXX, within XXXX5 business days. I called CapitalOne after 5 days when she did not receive the replacement card and was asked to wait for another day or XXXX. I called CapitalOne again after two days when the card did not arrive and demanded a tracking number and after several minutes on hold, I was told that they had an issue sending the card to the XXXX address, which the rep and I spent nearly 15 minutes to make sure it was correct, and that they took the liberty to send the replacement card to my XXXX home address via USPS and did not have a tracking number available. 
Reluctantly, I waited again for couple more days and never received the replacement card. 
It seems that they do not have any records on file of ever shipping a replacement card to my wife in XXXX XXXX or to me at the XXXX home address at this point in time. 

On XXXX XXXX, I gave up on trying to resolve this issue with the phone reps and decided to take my issue on their corporate XXXX page. I got a response stating that they would relay the message to a group that would call me soon ... which I never got a call back from, but for the interest of being fair, I did ask them not to call me until they had a resolution, meaning, I wanted them to take action to ship me a replacement card as soon as possible. I also sent an email to the CEO ( XXXXXXXXXXXX ) with no response. On XXXX XXXX 2016, with no other options left, I took a chance and sent my wife my CapitalOne credit card with my name on it via XXXX XXXX XXXX mail, hoping that she would not have any problems using it since it did not have her name on it ... and on the same day, I got a call from a rep from CapitalOne who reviewed the issue and took action to send me a replacement card to my home address overnight and the card arrived the next day. I sent the new card to my wife via XXXX XXXX XXXX mail again and she received it today ( XXXX XXXX, 2016 ). The entire process took 28 days and during the process, we were forced to spend what little cash we had while paying for various international bank fees for the transactions with our personal checking account. The vacation was planned for XXXX XXXX to XXXX XXXX, 2016 and nearly half of the time was wasted waiting for the replacement card. I feel that CapitalOne has failed to meet the minimum quality of service and should be liable for their neglect.
Product: Credit reporting

I requested my credit report from Experian on XX/XX/2016. I was refused a copy of my annual credit report. Experian mailed me a rejection letter stating I was sent a copy of my credit report in the last 12 months. 

I never requested a copy of my credit report in the last 12 months and never received any sort of copy of my credit report from Experian in the last 12 months. 

I need a copy of my credit report as I have been denied a refinance on my home. 
I applied for a mortgage with XXXX and XXXX XXXX XXXX and was denied because of my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

For second time I sent a request to Experian to remove outdated information from my credit report .... Experian refuse to remove the information even though I sent in a request along with my ID as proof of my identity and current address listed. SEE EXHIBIT MARKED - A. I enclosed a copy of my driver 's license. SEE EXHIBIT MARKED-B with my one and only true address. 

Experian responded with the attached letter EXHIBIT-C to say that they my request did not appear to be sent from me even though I sent a copy of my driver 's license. 

This is clearly another blatant refusal to comply with my request and the FAIR CREDIT REPORTING ACT.
Product: Mortgage

In XX/XX/2023 said the charge for helping me get a loan modification was XXXX down payment, next payment XXXX. I made the first two payments. I sent copies of mortgage statements and bank statements. After that I tried to reach them but the phone just rings. They scammed me My home is in foreclosure and my mortgage company keeps sending me home retention package and still continues to not help me. I was told i had reached my limit for a modification which is twice They cut into your equity and then forclose on your property. I have income, ,I have been struggling since covid and the lost of my husband..This is unfair Looking for hope
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it might concern. My only and correct name as it appears on my social security card and ID is XXXX XXXX XXXX XXXX. My only and correct social security number is XXXX. My only correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. My only Phone number is XXXX Please delete any name that is not matching my proof of identity. Please delete any addresses that you are reporting which are not on my proof of address attached. Attached to this letter you will find a copy of my identification, proof of address and proof of social security number. Once my request has been processed, please mail me a copy of my updated credit report reflecting these changes. My only job is XXXX please delete any other job that is attached to my file. Thank you.