23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, Which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving any account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

From XXXX XXXX  through XXXX charges that were to a merchant XXXX XXXX  for a total of {$1300.00} they refunded 2 transaction of {$9.00} because at the time I didn't k ow how to file a claim so only two transactions of that merchant I submitted XXXX XXXX I has submitted all 46 of them. So days later I see they credited my account for two. Then I called and filled directly with a live person. And she said she was going to end the call and finish the dispute when we hang up. Ok si I did. It happened to be they were all denied cause I belive of the amount of transactions there were.
Product: Credit reporting or other personal consumer reports

My account with 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 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 XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

My mortgage loan was transferred to Selene Finance company from XXXX XXXX XXXX as of XXXX/XXXX/16. My payment history was sent to Selene Finance with my payment history showing I was current as of the day of the transfer. I received my first statement from XXXX stating that I was XXXX plus days delinquent on my mortgage. I have contacted XXXX requesting them to send a copy of my payment history to Selene and myself. XXXX acknowledged that they have sent Selene a copy of my payment history as I have done so myself. I have spoken to Selene and they say they have no record of my payment history. On XXXX XXXX 2016, I mailed a certified letter to Selene Finance complaint department a copy of my proof of payment proving that I am not delinquent and to correct my payment history, remove interest that has accrued as well as report it to the credit bureau to have the delinquencies removed from all three credit bureaus. Selene Finance has sent me a letter stating they have received my certified letter and that by law they have 30 days to respond and are investigating the matter. I have researched Selene Finance on the internet and I have discovered that Selene Finance has a negative history especially claiming that they have not received payments from clients in order to force the clients into foreclosure. Fortunately I do have bank records proving that payments have and all being paid. I do no plan to become another victim of the scams being done by Selene Finance. The XXXX currently gives Selene Finance a rating of " XXXX '' and for good reason. I am requesting that Selene correct my payment statement and to notify all XXXX credit bureaus to have this remove from my credit record as I have mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian another request to correct my personal information and they are stalling. They sent me some email letter stating they recevied a letter from me about identity theft which is not the case. Attached is the letter ( email they sent me ) and the letter i sent them to request my information to be corrected as they are continuing to have inacurate information and employment that isn't correct on my personal information. I sent them my ID, Proof of address with my utility bill and they are playing delay games. See below and attached and update this information asap. 

I recently reviewed my credit profile and noticed inaccuracies, false accusations, and fraudulent reporting of accounts. Anything that does show the most accurate information like my legal full name is exactly : My full name : My current address : My SSN : My date of birth : Below are the inaccurate items with instructions on how to proceed : Any addresses, employment, and phone numbers listed on my credit report aside from these details above should be immediately removed. 
Please delete all personal information aside from this if you can't provide evidentiary PROOF the legal right to retain such information. Once you have updated, please mail me an updated copy of my credit report. 
I appreciate your full attention to my request ; and your cooperation in speedily bringing my credit report into compliance. 
Below you are still showing inaccurate information : After my last request from XX/XX/XXXX  you are continuing to violate my rights by sharing my information without my permission as seen below from the last credit report pulled by me XXXX XXXX nor did you send me a copy which is my right to my address XXXX XXXX XXXX XXXX, TN XXXX as requested. Delete all of this personal information as requested above and in my former request that isn't correct. 

Any addresses, employment, and phone numbers listed on my credit report aside from these details above and attached should be immediately removed. 

Thank you for your assistance! 
XXXX XXXX
Product: Mortgage

Applied for loan modification after a status of employment and income changed due to the company I worked for being closed, therefore unemployed. I was not given a clear reason why my modification request was denied, but example such as credit score was referenced as possible reason. Mortgage origination date is XXXX, an 80/20, conventional & equity combination. Equity is adjustable rate. Conventional is 6 %. The mortgage was not reaffirmed after bankruptcy filing but plans to keep the home and continue payments. After divorce, XXXX XXXX XXXX XXXX looking for a career, and hardships with companies and consistent pay, I have had trouble making payments on time. When denied for modification I realized the lender had suddenly started reporting missed/late payments years after bankruptcy was filed when they had previously not reported against my credit ( my score improved but then dropped once reporting missed payments ). Lender is aware of bankruptcy and denies reporting, credit department states they dont acknowledge the issue hence cant correct it, and improper reporting has affected my ability to qualify for modification, refinance with another company and secure decent employment due to pre-screening credit analysis cause my work skills are in real estate and financing. The issue is affecting me personally, as far as finding new employment and foreclosure risk. I have significant equity in the home, $ XXXX {$75000.00}, and the lenders only requested solution is deed in lieu or short sale. I feel this is because of the equity to lenders advantage. A history of misreporting and applying payments correctly and have requested account history on several occasions to no avail. Wells Fargo Mortgage, Wells Fargo Bank, f/k/a Wachovia Bank, has trapped me into the hardship with no solution to recover without outside, escalated assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : {$260.00}.
Product: Payday loan, title loan, or personal loan

Mobiloans charges usurious interest rates and fees. They try to hide under the tribal cloak to avoid following state law. I called to see if I could set up a payment arrangement/hardship program to potentially lower interest or stretch payment out and they said that they do not offer this and would have to make full payments when they are due.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, AND XXXX ARE IN VIOLATION OF US CODE 1666B 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 TRANSUNION- XX/XX/XXXX & XXXXREPORTING A LATE PAYMENT- FROM XXXX  XXXX & TRANSUNION- XX/XX/XXXX & XXXXREPORTING LATE PAYMENT- FROM XXXX  THESE ARE NOT CORRECT I HAVR NEVER HAD ANY LATE PAYMENTS I WAS AFFECTED BT THE DATA BREACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to bring actions against TransUnion for knowingly depressing my credit scores without any valid reason. During the month of XX/XX/2019 to XX/XX/2019, my credit score fell from XXXX to XXXX, reason gives : Oldest account is too recent, Lack of sufficient credit history, real estate account balances is too high compared to their loan amount, too many inquiries on credit report. None of this depiction is back by quantitative facts nor do they reflect the true picture of my financial management practices. 
*Oldest account is too recent/Lack of sufficient credit history : as a hold of a security clearance I made it a practice to live well within my means by not creating debt. Transunion should not be able to depict my credit standing as poor for managing my finances as recommended by the Adjudicative Guidelines. 
https : //www.consumerfinance.govXXXX *Real estate account balances are too high compared to their loan amount : This statement is without any form of supporting evidence of facts. My home was purchased for {$270000.00} XX/XX/2019, my current balance as of XX/XX/2019 is XXXX ( I have paid off {$6800.00}. ) Who are they comparing my mortgage to and what balances can provide to warrant this statement? 
*Too many inquiries on credit report : the inquiries listed are duplicates in which I have to ask to be combined.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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: Checking or savings account

Dear CFPB : Bank of the West ( BOTW ) hit me with a NSF fee on XX/XX/XXXX ( a {$35.00} fee ). The transaction should have simply been stopped, but BOTW pushed the funds through. I, wrongfully, incurred an additional {$30.00} on XX/XX/XXXX ( due to my account being more than {$200.00} overdrawn ). The transaction was an online EFT, BANK to BANK, " one time '' checking account transaction to a savings account. The transaction of XX/XX/XXXX was overdrawn due to a keystroke error. When I learned of it, on XX/XX/XXXX, I had the funds returned to BOTW by XXXX XXXX XXXX XXXX XXXX on the same day. However, the funds did not post in time to stop the second NSF fee of {$30.00} for XX/XX/XXXX, or so says, BOTW. 

I believe that BOTW was being abusive by allowing the overdraft to go through on XX/XX/XXXX. I complained to the bank managers in person, online by email and by telephone, but I was told that the fees are correct. Bank of the West has been treating my account as if I signed up for overdraft protection. Even insisting that I was automatically signed up when the account was registered online. However, when I opened my BOTW account online ( # - XXXX ) on XX/XX/XXXX, I never once signed up or designated an alternate account to cover any overdraft protection. 

Under the overdraft protection law enacted XX/XX/XXXX it is illegal for banks to automaticaly sign up new accounts for overdraft protection. Again, the H.R.1261 " Overdraft Protection Act of XXXX '' - Amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. ... ( 1 ) the consumer 's transaction may be declined if there are insufficient funds in the related transaction account, and ( 2 ) the consumer will not be charged a fee if such transaction is declined. ... Prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. ... 

The US Treasury makes a direct deposit for my SSI payment into my Any Deposit Checking account on/or before the first of every month. BOTW was well aware of my direct deposit history and decided to take advantage by transferring the full amount to XXXXXXXX XXXX XXXX XXXX XXXX where my XXXX. fund is managed, even though it would put my primary checking account in a negative balance. If I were unable to return the funds back to BOTW I would have continued to incur NSF fees every five days until XX/XX/XXXX. 

In closing, I am requesting that the CFPB audit all my BOTW transactions for the months of the XX/XX/XXXX through XX/XX/XXXX. Please advise. 

Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

Hello, Truist recently acquired Suntrust, and all accounts have been transferred to Truist. Since then, Truist has been a total disaster for me- and from what I can tell - everyone who's tried to use the service. Getting access to the account is an ordeal, since it only sends access codes to the first numbers I had when I first had the mortgage ( all of which are now defunct ). 

Once I do get access, Truist won't let me pay my mortgage. I've been trying to pay since the mortgage payment was due on XX/XX/2022. It's XX/XX/2022 now and I'm going to start receiving late fees on XX/XX/2022 not because I can't pay, but because the Truist website apparently can't handle basic mortgage transactions. I have plenty in my account, but when I try to schedule a payment, the website says " We encountered a problem - try again later '' with no explanation as to why they're refusing to accept payments. I'm convinced this company is trying to prevent customers from even being able to pay their loans such that they can start issuing foreclosure notices and possessing houses, because that's the only logical explanation as to why they would refuse to accept routine payments. 

Since I can't change my mortgage service provider, I'm stuck with Truist and their horrific customer service. I have no idea how to resolve this issue other than to hope the government steps in and shuts down this terrible company. I've tried their customer service line numerous times, but since they put you on hold for two hours I can't get through. I don't have the time to wait around for two hours each day without interruptions waiting for Truist to finally answer.
Product: Vehicle loan or lease

I received a loan which I learned to be a PREDATORY LOAN from Santander on XX/XX/2019. I decided to look to see if all was true and come to find out... they have only counted under {$400.00} as paid and I've paid over {$4000.00}. A massive lawsuit has happened and I feel they gave me a predatory loan and I want loan forgiveness, a waiver of deficiency for my title release to me and my credit report to not be harmed by them. They know my internal score was too low for the predatory lending they was offering. I need help urgently as a XXXX single mother struggling to now pay my car payments and they denied me extra time. Please help me; please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Product: Debt collection

In XXXX I opened a XXXX credit card bought and paid as owed. Then in XXXX of XXXX I got XXXX  and missed a week of week, then America was shutdown for almost a year. Couldn't pay my bills like I was. Contacted XXXX was on a plan then it went to a collection. XXXX XXXX XXXX. po box XXXX XXXX UT, XXXX. Then I started receiving phone calls the man said he was the attorney and oh your going to pay, he was going to make sure of that, I tried tell him what was going on in my life trying to support a family on penny 's, sad he didn't care that I need to send all my money to him first, we had a argument about this for a little bit explain to him that he would be taking food out of my child 's mouth said he didn't care. I would get these phone calls for a few months then stop, then started getting civil citation for courts, now he's got a XXXX XXXX XXXX XXXXXXXX XXXX XXXX out of XXXX XXXX. A lawsuit against me for the {$3600.00}. The lawsuit says that it will garnish my wages or sell my property my vehicles whatever to pay the debt and he's had people come out to my house serve me papers when I'm sitting in my car trying to get ready to go to work this threatening show of force and calling me harassing me almost all day long and I work nights I have to turn my phone off during the day so I can sleep scared to death my vehicles will be towed off won't have a ride to work or he's threatened to come up to my work to serve me papers. I've contacted the original owner of the loan Advent to try to settle with them because I do not trust this debt collector I feel like I would never pay off the debt and I would be in debt with him forever they said that they sold the account to The Collector I made about emails to them about the situation at hand and they said that they will call me to talk to me about options I haven't heard from him yet. Scared to let my family outside to play to do things in the front yard thinking that somebody's going to come up and serve them with paperwork or say something to him something not for sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

honda financial says they took off the 30 day late payment for XX/XX/XXXX now all of a sudden a 30 day late shows up for XX/XX/XXXX which was not there last week here in this dispute are the copys of last week credit report terrible how can this happen all of a sudden fix my credit
Product: Vehicle loan or lease

This is regarding : https : //myaccount.mechanicsbank.com/paymentcenter There is a yellow bar that has the previous payment schedule at the top of the screen. This should be removed and placed in a different location. I thought I had already made my auto loan payment because I clicked confirm and continue and saw the confirmation on top, however, I did not press submit because I thought the confirmation at the top was for the current payment. It's really confusing and made me miss a payment and messed up my checking account and relationship with my husband. Please fix this!
Product: Checking or savings account

Incidente date  XXXX / XXXX / 17  Card #  XXXX  Term -  XXXX  Sequence #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ - ATM address.   XXXX  I went on  XXXX  to take out  XXXX  dollars from my  XXXX  bank account  XXXX  at a Chase ATM. I requested assistance at banking center and calle d Chase and  no one has been able to help me. I need this resolved asap.   XXXX  Thank you please contact me asap  XXXX   XXXX  Or son  XXXX  -  XXXX  I gave son auth to talk about my situation  XXXX