23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an offer for 0 % APR on a convenience check from USAA that I was going to use but wording in the offer appeared to be in direct violation of CFR 12 part 1026 so I called USAA to clarify. 

The following is the concerning statement : " If you transfer a balance or write a convenience check with this offer, all purchases will be charged interest until you pay the entire balance in full, including any transferred/convenience check balances. '' The regulation is very clear that anything over the minimum payment must be applied to the highest interest APR, however, three different USAA representatives told me that is not the case. 

I gave the following example : I write a convenience check for {$1000.00} subject to 0 % APR I charge {$100.00} subject to 10 % APR My minimum payment is {$10.00} I am charged {$1.00} interest on this billing cycle I stated that if I paid {$200.00} then {$10.00} can be allocated to whichever balance they choose and that {$190.00} must be applied to the {$100.00} dollar charge and {$1.00} interest first and the rest would go to the 0 % APR balance. If I made no further charges then my next bill should have no purchase or fee balance and I should only be left with the 0 % APR balance if they are following the law. 

All three USAA representatives said this is not the case and that even if I paid {$500.00} that a portion would go to the higher APR balance and fees and that some would go to the 0 % APR balance but that my {$500.00} payment would not pay the purchase balance in full and that my next bill would still have a purchase balance remaining and that I would still be charged interest on that balance. 

This is a clear violation of the wording and the intent of 12 CFR 1026.53. I kept asking to speak to different people because I thought there was no way that USAA was so blatantly violating the law but after getting the same response from two normal customer service reps and a rep that specializes in USAA billing policies, it is apparent that they are. 

I am filing this complaint so that you can investigate their credit card payment allocation practices to determine if USAA is in compliance with regulations.
Product: Checking or savings account

On XX/XX/19, I chatted with a Capital One agent about a special promotion theyre running for existing Money Market Account holder. The promotion was to get a {$450.00} bonus when you deposit {$50000.00} or more into your 360 Money Market account from another bank by XX/XX/19. The requirement was to keep that amount until XX/XX/19 and the bonus will be paid out XX/XX/19. The agent assured me that I was eligible for the bonus as long as I met the funding requirement and kept the balance. 

On XX/XX/19, I deposited {$50000.00} to the account and maintained the balance ( to present ). 

On XX/XX/19, I chatted with another agent to ask about the bonus and the agent assured me that the bonus will be paid out the following Monday, XX/XX/19. 

On XX/XX/19, I chatted with a different agent since the bonus did not appear in my account. The agent said I wasn't eligible and denied the bonus.
Product: Credit reporting

I would Like to File a complaint on behave of Experian. I was reviewing my Experian credit report and came across the length of credit History you are reporting 4 Years of credit History How could that be Possible? You are reporting a XXXX account XX/XX/XXXX on my report and a kohl card was open in XX/XX/XXXX and I do n't believe they are reflecting on my score so could you look into that
Product: Mortgage

I purchased my home in XX/XX/XXXX. My mortgage was with NewRez. My monthly payment was about {$2000.00} per month with a rate of 4.25 %. In XXXX, when rates dropped they contacted me to refinance. My estimated rate was 2.875 % and the estimated mo payment was {$1800.00} including the escrow. I knew I could afford this. Unfortunately for me, the loan closed in XXXX XXXX. For some reason, the school taxes due XX/XX/XXXX were not paid even though they had escrowed for this payment. As a result of the taxes not being paid on time, the school taxes were re-levied or incuded onto the town and county tax bill for XX/XX/XXXX ( plus interest and penalties ). So when they did the escrow analysis, they incorrectly figured the school re-levy as a " regular payment '' for XXXX taxes. I explained this all to them and sent them historical tax bills and copies of the current tax bills which clearly states the school taxes were re-levied. Because of the escrow " shortfall '' they more than doubled my escrow {$830.00} to {$1900.00} per month. My total mo payment is now {$2900.00} per month!! 

The escrow balance is currently {$650.00}. If we add {$1900.00} x 5 months ( XXXX ), the escrow balance in XX/XX/XXXX will be {$10000.00}. Assuming a school tax pmt of {$7000.00} ( School taxes in XX/XX/XXXX were {$6600.00} ), this leaves an escrow surplus of {$3200.00}. Divide this by 12 and that's a least a {$270.00} reduction they should be applying to my escrow payment NOW. The current monthly pmt is {$2900.00} is not sustainable long-term. My mortgage escrow needs to be adjusted.
Product: Student loan

I have contacted Navient about consolidating my loans early because they were showing not in deferment before I start payments in XXXX 2017. I asked about what possible payment arrangements can be arranged and I was refused information about my loans. Then they have multiple inquiries for the same day for the XXXX different amounts which is really hurting my credit score with the credit bureaus. I have requested documentation to show mortgage lenders to purchase my first home but never obtained it from Navient. They are insufficient when it comes to providing the lenders with the appropriate documentation that is requested.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received an offer through XXXX to lower my student loan rate through Citizens One. I applied online and then spoke with a rep. I was told within minutes that I was approved for a 5.2 % loan but had to submit 1 more piece of info. I did. I received an email saying they needed more information : proof of social security. I sent it. They said they needed pages 1 and 2 from XXXX tax return. I sent it. They sent yet another email saying I needed to send all pages from XXXX tax return. I sent them the info, which was 25 megabytes. Then they asked for yet more information that I had already supplied. This went on for 6 emails and 9 customer service reps. Each time, they assured me that my latest submission was enough to complete the application. Last night, I received yet another request for still more information. 

All of this for a $ XXXX/month reduction!! 

Every rep told me that my application was now complete, and I should hear back within 3-5 days. 

I am retired and age XXXX. I have a XXXX credit score and more than ample assets to pay the loan off today. Im simply trying to lower the loan for my daughters education. And I have to go through this hassle with still no loan? 

As a former XXXX XXXX, I have never dealt with a more deceptive and difficult company than Citizens One.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of unauthorized accounts that have been reported on my credit file following a recent data breach. These accounts were not authorized by me, and in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$0.00} XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I opened an account with Citizens Bank using {$20.00} transferred from another bank account. On XX/XX/XXXX I used mobile deposit ( in the app ) to deposit a check for {$1200.00}. Per their own funds availability policy if there is an extended hold {$220.00} should have been made available and the rest held. 

The next morning {$220.00} showed available, but I did not yet have my debit card. So I went to the bank to withdraw it to pay my electric bill which was scheduled to be shut off on Saturday. By the time I got to the bank the {$220.00} was taken back. I decided to give it another day or two. On Saturday, still seeing that the check is on hold but unable to tell when it will be released, I called the local branch. The girl told me that the hold is scheduled until THURSDAY ( XXXX ) then told me not to use mobile deposit for my checks and that she can't help me now " even if she wanted to ''. She agreed to talk to " back office '' on Monday. Meanwhile my electric gets shut off.

Yesterday ( Monday ), I get call, the girl from the branch tells me that she didn't bother calling back office because her branch manager said they can't help me. Soo, the branch manager TOLD someone not to help a customer. I hung up with her and immediately called the customer service line. As I'm on hold, I get my debit card in the mail. I think, good, I can at least withdraw the {$20.00} I had in there.

NOPE. Citizens bank froze my card with no warning and held it for " account review ''. So now, not only can I not access my {$1200.00}, but I can't even touch the {$20.00} that was already cleared.

Once I finally ( 20 minutes later ) get someone on the line I explain all this to them and they say that something on the check didn't look right, and that's why the extended hold. This is a XXXX check, that I was able to call XXXX in 2 minutes and verify that it was good. But I'm told only the mythical " back office '' can do anything. They started a claim for me ( XXXX ) but told me the back office may not get back to me until Thursday. So basically STALLING so they don't have to release the check hold. At no point did the app tell me that I wouldn't have normal access to the funds. At no point did I get anything saying they would disregard their funds availability policy and not only that, but freeze my card so I couldn't even use the {$20.00} that is in my account. 

At this point I just want my funds RELEASED. I have been without electric since Saturday. I can not heat, cool, cook, flush my toilet ( electric well pump ), or even heat up a freaking baby bottle. Meanwhile Citizens does EVERYTHING in it's power to delay helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
Product: Debt collection

ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Mortgage

I have changed to a new insurance provider and despite multiple attempts to update my insurance with my servicer, Western Alliance Bank, they are refusing to update with my new insurance policy and instead using forced placed insurance at an exorbitant premium. WAB is using a ruse of claiming a mismatched insurance policy address despite the address of my policy and my mortgage docs being the same. It seems like a well organized scam to capture fees and may be systemic to their organization. It would be worth looking into to see how widespread this is. 

My full legal name is XXXX XXXX XXXX XXXX ... .this mortgage is listed in my middle name, XXXX XXXX XXXX which is the name I go by day to day since I am a XXXX.
Product: Credit reporting or other personal consumer reports

My old friend and roomate used my name and info without my permission. Now there is stuff on my report that isnt mine, I need that taken off please.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok this is what happens I lost all my documents about a year ago and at one point I was withdrawing money from my card I reported it to the bank and they never took me out again and now I go to XXXX and it tells me that I have a car loan of XXXX I have never used my credit for anything this is the name of the company WEST CREEK FINANCIAL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts from Barclays, XXXX, XXXX, XXXX all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.
Product: Credit card or prepaid card

We applied for a Sams club MasterCard through Synchrony bank on XX/XX/20. They gave us an unusually high interest rate based on an unusually low credit score. We inquired about the score and were told that they took the score directly from the credit reporting agency. When we obtained our score from the agency, it was 169 points higher than the number Synchrony claimed that they were given. 

In a letter dated XX/XX/20, Synchrony reversed their story and claimed that the score used was correct because they used a proprietary score and that the score was in fact correct. There is obviously nothing on a credit report that would cause a score to drop 169 points below that reported by the professional reporting agencies. Synchrony is obviously using fraudulent scores to gouge customers with high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account reporting to my credit that I do not recognize. I have tried resolving and disputing this with the collection agency several times. I requested information from them that they did not provide, I asked them to validate this account and now they have not responded to my request which is against the FCRA. Since they can not validate they need to remove this account from my report.
Product: Debt collection

XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX, he told me that he was part of Oracle Financials, which is a consortium of lawyers. He gave me the name of the creditor : XXXX XXXX XXXX and told me that he would be charging me with fraud. I then told me not to contact me and refused to give him any of my personal information - At XXXX : I called the FCDPA for advice on filling a violation claim and for a referral for lawyers - At XXXX : I called the office of a consumer lawyer to see if I could schedule a consultation and left her a voicemail - At XXXX : I called XXXX XXXX XXXX and told them I was planning on filing an FCDPA violation claim. They told me to they had sold my debt to XXXX XXXX XXXX. 
- At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number, they had nothing to do with it. When I asked if he were willing to send a verification letter, he said no because he did not want the company to be sued. 
- At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting ), they hung up on me. 
- At XXXX : I called again, this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly, they could not find me in their system. I reiterated my question about XXXX XXXX and asked them if they were saying they did not have a loan under my name. He answered that XXXX XXXX did not work for Oracle Financial and they did not have any loans under my name.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.