23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/2017, I opened a new credit account through American Eagle Outfitter with Synchromy Bank XXXX Then on XXXX XXXX, 6 days later, i received an email saying my statement period had ended and I owed {$25.00}. It said I could view or pay balance by clicking XXXX of XXXX links. I click the links and could not view or pay as I hadnt received the card yet to register my online account with them. So my due date with them is by XXXX XXXX. I have no way to log in or pay this statement balance/. I had this account 6 days before the statement was printed and with the due date of XXXX XXXX, my account will not even have been opened 30 days and it will already be overdue! This is unfair practice to the consumer!
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WORLD FINANCE CO  has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

It has been more than 30 days since my last dispute/complaint, the account in question with XXXX is still reporting. 

I have officially filed an XXXX form to combat the continued to reporting of this account any further. Please remove the charged account with XXXX under the ground of no evidence being provided by the creditor in question within 30 day period. Because of the lack of response, I can not accept responsibility or ownership of the account in question. As I mentioned in my complaint, XXXX sold this debt and gave up their legal right to collect therefore legally they are to report this balance as {$0.00}, they have failed to do that but also failed to prove the account is mine or any further evidence of accuracy in reporting. XXXX has removed this account. XXXX and Equifax need to as well. 

You have 15 days to remove this account from my credit report, else I will have to take legal action against all parties. 

Thank you for your time.
Product: Bank account or service

us direct express allowed a international hacker to take {$100.00} of my debt card for a fake computer virus protection that I did not approve to take off my debt card I had them investigate they said they would n't give my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported that my mortgage account has been paid in full and closed. However, under the Account Status, they noted " Derogatory '' and under Remarks they noted " Foreclosure Discontinued '' which has caused my credit score to drop over XXXX points and show up as a derogatory account. 

I am requesting that these remarks be removed and updated based on the fact that while I was under their forbearance plan, I submitted to their portal a complete Loss Mitigation application and all the requested documents within the timeframe they requested of me. While they acknowledged receiving my documents within the correct timeframe, my account was allowed to sit in their portal for months without a response from anyone as to whether or not they would offer me a workout plan and eventually the account was mistakenly sent over to their Foreclosure Dept. as if I was not responsive to the application requirements and the due by dates they gave me in writing. The account should have never been sent into foreclosure and it is unfair for my credit to suffer a derogatory status because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I, XXXX XXXX XXXX was contacted by XXXX  and/or it's  attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by XXXX. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX  XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Experian continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They have also violated law by not responding to a dispute within 30 days. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided. Requests for an investigation have been made on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX, on top of ignoring me flat out the last several times I have contacted them ( claim I don't send in my identification although I send a copy of my license and social security card every time ), continues to report multiple accounts that should have been deleted due to errors with the information reported even after requesting their methods of verification and missing the 15 day deadline for the request for verification. They refuse to delete the accounts even after multiple requests have been made, stating the accounts have been verified, but no method of verification has been provided.Requests for an investigation have been made on XX/XX/19, XX/XX/19, then never received a response ever again, even though they were requested to investigate and respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bellow 2 accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

1st fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX 2nd fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22
Product: Checking or savings account

I am a long time Bank of America customer, on their app they had marketing to enroll for a special savings rate of 4.65 % on balances over XXXX. This offer only applied to new funds. I enrolled and received a notice on the app that I could open a new savings account or deposit to an existing advantage savings account. As I already own an account I deposited {$140000.00} moving money from another institution. I never received confirmation of the enrolment other than the webpage on their app. 
To avoid potentially losing interest income I called BOA to inquire as to the rate on my account now and if my deposit was eligible for their promotional rate. I was told they couldnt see any promotion and nor did I sign up to it, which is totally false. I had to move the money back to the originating institution to avoid losing interest income. 
Really unhappy with the transparency here from Bank of America and feel no other option other than to move my entire checking and savings balances from them.
Product: Credit card or prepaid card

I returned a product and the retailer accepted it and approved refund through XXXX. I contacted the credit card company to dispute the charge 3x since XX/XX/2020. They keep stating they investigated and the purchase was valid when I told them that was not the issue the defective product was returned. 

XXXX verified the retailer did a charge back as I had returned the defective product and state the credit card company never contacted them to verify the information. XXXX states by law they can not issue my refund as the credit card company is involved. 

The credit card company is not investigating disputes.
Product: Credit card

I applied for a Discover it* card on XXXX XXXX when there was a {$50.00} XXXX XXXX XXXX offered for approved customers. When I applied I clicked directly on the link that was presented to me on the XXXX website. Bear this in mind, as it comes into play further on in my story. I waited and waited to receive this reward. Finally, I contacted Discover card customer service. I am told that I selected a 0 % card, and not the gift card option. As I explained in a string of email correspondence to several Discover card representatives, I would NEVER chose that option, as I pay my bill in full every month, so a 0 % card is not of benefit to me. I was told that was MY mistake, they can do nothing to correct the issue or make good on their offer. Basically, they do not care about honesty in promotions, or in living up to their offers. I feel this is a classic bait and switch scenario, as I was only presented with the XXXX offer, not multiple offers to chose from.
Product: Mortgage

Request to audit the mortgage frauds : 1. Once Flagstar take over the mortgage, it will not allow auto payment to happen. Even if consumer is able to set it up and received a confirmation - its either will get delayed so severe OR cancelled by itself. Both ways to trigger a late fee. Once its on, it will not allow the borrower to pay the whole amount due ( only one month at a time until the payment is posted which will trigger another late fee ). We tested in several different occasion from XX/XX/XXXX to XX/XX/XXXX and took several screen shots as a proof of the process. 


2. Flagstar delays payment for and often withheld them in different " account '' to trigger late fee.

3. Flagstar delay then refused to remove PMI although the 2 years mark or over 20 % value is due. The unresponsive/delay tactic could take months. One of the reason is also due to the late payment posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECURRING INFORMATION, Proof that XXXX XXXX XXXX violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXX Bank on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, XXXX and Equifax ) that I had defaulted and then charged off. XXXX, Equifax and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!
Product: Debt collection

XX/XX/2022 Debt collectors name is XXXX XXXX from TriVerity or CU Recovery. Yelling at me and using profane words such as saying I'm trying to " swindle '' or dodge the debt which was charged off 7 years ago. Did not provide me with XXXX XXXX XXXX XXXX finance department phone number. Said she talked to them about it but wouldn't let me communicate with them. There is an lien on an old car loan which I am trying to pay XXXX XXXX XXXX XXXX for so I can get the lien released. Will not provide proof of what the finance department at XXXX XXXX XXXX XXXX is saying. Also, tried talking to finance department at XXXX XXXX XXXX XXXX and they haven't reached out to me. They have been treating me like a criminal when all I am trying to do is talk to a member of XXXX XXXX XXXX XXXX XXXX finance department. 

XX/XX/2022 XXXX XXXX from TriVerity called me and asked me if I am taking the issue personally which I am not. I just told her I would like to speak with someone higher up. She said her supervisor will give me a call back. Yesterday she told me that wasn't an option and that I need to speak with her about it. 

About 6 months ago I talked to a XXXX XXXX from CU Recovery/TriVerity and he told me I could come up with {$1800.00} to pay the lean off. He doesn't work there now anymore and now they are saying I need {$2700.00} to pay the lean off. XXXX XXXX is denying that he said that. All I am trying to do is talk to someone higher up than XXXX XXXX and I haven't been able to. I asked her for proof of what she is saying about what the XXXX XXXX XXXX XXXX XXXX department is saying to me and haven't received any. I'm just trying to talk to someone from XXXX XXXX XXXX XXXX finance department and she is not letting me do that. I don't even know if what she is doing is legal. I have been trying to reach out to XXXX XXXX XXXX XXXX finance department and haven't been able to yet. This is over a charged off debt from about 7 years ago that has a lien on it. XXXX XXXX XXXX XXXX is also not letting me talk to the finance department team. They keep telling me I need to talk to XXXX XXXX. 

Her phone number is XXXX. Or XXXX. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ran my credit without my consent. I have never applied nor contacted them. I never authorized them to run my credit. I have contacted them several times with no resolution.
Product: Vehicle loan or lease

Hello, My auto loan is currently past due. Have attempted to pay the outstanding balance, but each time my debit card has declined. In talking with my bank, will receive a new debit card, but since not a traditional bank ( XXXX XXXX ) have to wait. Contacted Bridgecrest on Saturday, because received an email on Friday that my payment didn't go through. Attempted with a rep named XXXX to make payment with my debit card and again it was declined. Explained the situation to her and she placed me on hold and said that the manager said " I was attempting to buy time ''. Why would I try to make good on my account if was trying to buy time? That comment was an insult. Furthermore, she wouldn't allow my co-signer who is a XXXX vet and only gets payment once a month to set up arrangements. I have had this loan since XX/XX/XXXX, the last payment on my account was on XX/XX/XXXX in the amount of XXXX. I want to be able to make a payment arrangement on my account to bring it current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, i submitted letter to equifax to dispute the inaccurate information in my consumer report. with the letter i attached copies of creditor late payment statements, XXXX  is reporting my first late XXXX, XXXX have copies of late payment from XXXX thru XXXXequifax has stating they have not received my document to support my case. i submitted documents more than twice via usps.equifax has not began there process of investigating my dispute
Product: Mortgage

Ocwen continued to report on my credit after they were paid and after the foreclosure. Everything was complete on title and all the documentation shows 2015 and they continued to report after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX [ Account # XXXX ], XXXX XXXX XXXX XXXX  XXXX Account # XXXX ], XXXX XXXX XXXXXXXX [ Account # XXXX ], XXXX [ Account # XXXX ], XXXX XXXX XXXXXXXX [ Account XXXX XXXX ], XXXX XXXX Account # XXXX ]XXXX XXXX  [ XXXX ], XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX XXXX [ Account # XXXX ] XXXX and XXXX XXXX XXXX  [ Account # XXXX ] have violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In XXXX 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. 

They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in XXXX 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for XXXX and nothing for XXXX. 

I have previously requested forbearance due to unemployment and financial difficulty and they make you pay {$150.00} for 3 months of forbearance. I am waiting to see if they will charge the {$150.00} forbearance fee this time. I also wonder if every customer has to pay {$150.00} for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.
Product: Credit card or prepaid card

I have a XXXX Credit Card from Synchrony Bank. 
Am under the promotion of 0 % for XX/XX/24 months for some of my projects that would add upto over $ XXXX or around.since around XXXX XXXX 

Meanwhile, I also purchase from XXXX regularly products using this credit card with 5 % discounts. 

Since I do not like to be in debt, I keep overpaying by 'thousands ' than my regular minimum payment on the 0 % promotion AND also assuming that this payment would be applied towards my regular purchases. 

This FRAUDULENT bank charges me for late fees and interest fees saying those payment are for the promotion and NOT regular purchases. 

Since, I know this is Fraudulent activity by the Bank, am able to fight it out get the Interest/Fees waived off. 
But, am sure this bank is charging such fees to other customers and duping them with this fraud activity. 

This should NOT have happened to me and I shouldn't be fighting for an interest/late fees that I should not be paying in first case as am overpaying by thousands, not even hundreds. 

Every Bank that you overpay, first applies that amount towards regular charges and then promotions that has 0 % but this Synchrony bank is conducting malpractice to dupe it's customer and indirectly XXXX customers. 

Please conduct an investigation on this Bank and you may discover more such malpractices
Product: Credit reporting

On my Experian credit report XXXX in the inquiries section XXXX Bank has been requesting my credit report monthly. I called XXXX and they have no record or knowledge of this and suggested I dispute it with Experian so they could locate the source. Experian would n't allow me to dispute this and said they could do nothing about it. I was told to dispute any wrong information found. Are they not suppose to follow up on any questionable information on a report? This is the same company that merged me with someone else last year and it took months to resolve. Frankly, I no longer trust the any of the credit reporting companies.
Product: Credit card or prepaid card

My Bank of america edd. Card was stolden and charged up with out my authorizing. There were XXXX   of charges that i did not do. I call bank of america and reported my card as lost of stolen. They send me a new cars and said they would put money back on my card in ten days. I then recievedba letter in the mail saying that my claim was denied and they dont. Feel my claim was denied.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.