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

On XXXX XXXX, after finding out that my XXXX direct deposit had not posted on the XXXX as it always did, I called my case manager and was told that the money had been sent on the XXXX to be deposited on the XXXX. I contacted Bank of America ( BOA ) and after being on hold for over 35 minutes, I went to the branch on XXXX. After speaking with the Branch Manager and explaining my situation, she explained that they would call the ACH department. XXXX called the department and was placed on hold. While he was on hold, I pulled up the mobile app, and saw that my account had a negative bal. At this time, I went nextdoor to the credit union obtained some money to bring my account to a positive balance. When I returned, XXXX was still on hold but, XXXX said they would get to the bottom of things for me and call me. I never received a call. On XX/XX/2022, I received notification that my direct deposit I had posted this morning. At XXXX after the branch had closed, I received an email that I had been charged {$100.00} in NSF fees. I contacted the customer service department first I spoke with XXXX from New York, explained what had transpired and disputed the NSF fees. He stated that the deposited arrived this morning. I stated that this was not true and that it was confirmed that it had been sent earlier and was dated to be deposited for the XXXX as it had been for the past 2 years. I asked to speak with his supervisor and was eventually transferred to XXXX who confirmed that the direct deposit had been processing but that it had been finalized this morning. At this point, I interjected and stated that as a result of their processes I am being penalized to the tune of {$100.00} when they had my money, but did not deposit it in my account, how is that fair and how is that customer service? If anything, that is fraud.
Product: Checking or savings account

Appeal to overturn fraud claim. Below is a list supporting my claim along with documents attached. 
* I was out of town, not in XXXX where the fraudulent transactions took place. XXXX ( Departing & return boarding pass. ) * Total charges go over available balance * Transactions made at multiple locations of same store. ( XXXX # XXXX # XXXX # XXXX ) * Transaction at XXXX XXXX when I am a XXXX customer. 
* Called customer service to report fraud while transactions were still pending. 
* All charges were removed but my money has not been returned. 
Your help will be very much appreciated. Thank you! 

15 transactions claims - XX/XX/XXXX {$600.00} XXXX {$620.00} - XX/XX/XXXX {$620.00} - XX/XX/XXXX {$220.00} XXXX {$210.00} - XX/XX/XXXX {$210.00} XXXX {$260.00} - XX/XX/XXXX {$260.00} - XX/XX/XXXX {$110.00} XXXX {$320.00} - XX/XX/XXXX {$320.00} - XX/XX/XXXX {$100.00} - XX/XX/XXXX {$100.00} - XX/XX/XXXX {$110.00}
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  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 in 60 days 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 XXXX 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 8
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have disputed phone numbers on my credit report with Experian. These are the cellular numbers I'm disputing : XXXX these numbers are from my phone being compromised on several occasions. Everytime I change the number they would compromise that number. My new number is XXXX. 
And what is up with these in the yellow school buses, do they work in the different stores around town, they have no name tags.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Prepaid card

Follow up regarding complaint reference # XXXX. 
We have spent over three hours trying to get Amex to refund our gift card. The information letter we received - passed on from CF ( you ) is to call a phone number, somewhere in the world. After about 4-6 minutes of talking the call breaks up. You eventually have to hang up and start over. Then you call and wait again to reach someone. You start to talk and explain and the call is dropped. We then tried to contact the Amex office in XXXX florida, ( the address on the letter we received passed on to us by you ) but no one returned our message. This has been a week ago. We have a reference number the first customer service rep gave us before the call was lost ( reference number XXXX ). We assumed since the process had been started they would go ahead and refund as we requested. But the card still shows the full balance today when we checked. They had my name, etc even wanted my full birth date ( is that legal? Why my birth date to refund my gift card ) we are not sure what the problem is but we do not consider this resolved. 
My wife and I have been long time Amex customers. After this we may begin to question our credit relationship with a company that provides terrible customer service- to gift card holders that are not regular customers. 
We appreciate your help in this matter. 
Best, XXXX
Product: Vehicle loan or lease

I have had payment issues with this bank for over 18 months. For some odd reason, they fail to transfer ACH bank payments, charge me fees ( late, repo ), and fail to apply payments appropriately. For the past 18 months, when I schedule a payment using Bank ACH ( acct, routing # ) Westlake 's fails to take the payment, instead charging me NSF fees. I can check my bank account and the funds would be available. However, they wont accept ACH for months, but accept a Debit Card payment, which they charge a {$5.00} fee for convenience They tell me my account is not usable, but then after a few months, they can finally ACH, then once more, they can't accept payment through ACH. For awhile I thought it was a glitch in their smartphone APP, but after troubleshooting, it's not the app. Its not my bank. The funds are in the account for each payment I schedule. My bank doesn't even acknowledge that Westlake 's attempts to withdraw the ACH payment. 

It is not a convenience, when they charge fees, " nickel and dime ''. double charge repossession fees. I have been repossessed two times in the past 12 months, due to them not taking payments. I can prove I had the funds available, they will not accept the bank statements that prove this. 

Instead, I'm under on a debt for a vehicle that appears I'll never be able to pay off, because the bank keeps screwing me on their fees and charges. I pay the repo fees to return my vehicle, and then I check my Westlake 's account to see more repossession fees added. I am tired of it. I have talked to their representatives 23 times to discuss why they won't accept my one and only bank account for payments to them. Not like XXXX is not an acceptable bank. 

The problem is, they can NSF fees for the ACH payment, but using the same Debit card to the account, they CAN accept with a {$5.00} fee. I am filing a complaint with the XX/XX/XXXX and CFPB this week, because I fear Westlake 's will repossess my vehicle again because they keep saying they can not accept my payment. 

Today I discovered yet again, they did not take the payment for my vehicle. I am {$1300.00} due for fees, that I do not trust are accurate. If they had accepted the scheduled payments when they were set, then I wouldn't have their NSF, repo, and various fees added to my debt. 

I do not have an attorney ( yet ), and I have found that essentially I want them to fix their problems, and correct my account. 

I scheduled another payment for today which was supposed to be paid on the XXXX of this month. I found they again, didn't take the payment and added a NSF fee. The payment I scheduled for today, I ended up having to re-add my bank account info. 

What I want, is for them to FIX their processing fees, remove the added repo fees, and stop doing this. It is not convenient for to use Debit, when a ACH payment is free. It's like this bank is intentionally trying to steal this vehicle by failing to take payments when using their APP.
Product: Debt collection

THIS HAS BEEN A PAIN IN MY FEELING AND A STRESS FOR ME SEEING THIS FRUADULENT ACCOUNT APPEARING IN MY CREDIT REPORT FALSELY. IM AM ASKING FOR YOUR TEAM TAKE ACTION FOR THIS CONCERN IMMEDIATELY.
Product: Credit card or prepaid card

I never agreed to change from paper statements to on line statements. I am not computer savvy. American Express made the change. I have called numerous times to change it back and each time assured it would be done and it was not done. On Saturday XX/XX/XXXX I called again. This time I was told my interest rate was in " penalty '' status since XX/XX/XXXX and the penalty is double my rate from 14 % to 28 %. I received no notice. Had I gotten my paper statement I would have known. The penalty was because 1-2 day late on occasion due to mailing as I am in Hawaii resulting in thousands of dollars over the 1 year period due to my balance that I thought was in a 14 % interest. I stayed on the phone two hours and was hung up on. On XX/XX/XXXX spoke to a supervisor who refused to give her name and told me I " case '' would be open someone will call me in 24 hours. XX/XX/XXXX I called back at XXXX and spoke to someone else who had no record of my call or a " case '' she put me on hold and said after I explained what I was told, oh only supervisors can see.. she then puts me in hold comes back and says 1 ) she has only the gender of the supervisor no name 2 ) someone will call me back in 24 hours. It is now XX/XX/XXXX I received no call or email except to tell me I can get statements " on line '' this email looks automated. I checked Amex website and found that any change in interest rate must occur after notice is given and that did not occur. Also that if I 'm late a late fee if {$27.00} is assessed not a doubling of my interest rate. 

Please help me.
Product: Checking or savings account

Recently I filed a complaint against Capital One alleging that Capital One requires consumers to have certain level of communication skills in order to receive services from Capital One without properly disclosing those the requirement of the physical and mental abilities that it expects customers to have in its terms and conditions of service or other disclosures. 

Capital One 's response to my allegation was that Capital One has the following statement in one of its documents : CLOSING YOUR ACCOUNT We may, subject to applicable law, close your Account at any time, regardless of whether youre in default. You may ask us to close your Account at any time by calling us emphasizing the statement " You may ask us to close your Account at any time by calling us ''. 

My experience calling Capital One in order to close my account was as follows : On XX/XX/2022 around XXXX XXXX XXXX I placed a call to the number provided by Capital One, XXXX. I clearly stated at the best of my abilities to the voice recognition system that answered my phone call that I would like to close my account and the voice recognition system informed me that it did not understand my request. I was eventually transferred to a person and the person who answered the call, XXXX, disconnected the call after XXXX min and XXXX seconds of the conversation. 

To give Capital One another chance I placed another phone call to XXXX around XXXX XXXX XXXX XXXX and informed the voice recognition system that answered the call that I would like to close the account. The system asked for my social security number and the last four digits of my account number. After I provided this information, the system informed me that the telephone call may be recorded and put me on hold. The call was answered by XXXX, who has not provided me any other identifying information. After I attempted to explain to XXXX what I was trying to achieve, XXXX disconnected the call. The call lasted XXXX min and XXXX seconds. 

It is clear that the disclosures provided by Capital One regarding the requirements that customers need to have abilities to call Capital One to request certain services is not adequate. Capital One needs to properly disclose what level of telephone communication skills it expects its customers to have such as the customers fluency in conducting telephone conversations and the time customers are expected by Capital One to be able to continuously maintain a telephone conversation. Merely stating that some services can be requested by calling us is not enough to describe the physical and mental abilities that Capital One expects its customers to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to complain officially as these accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a car when I discovered my credit profile had been compromised as it has been in past. I took note of the inaccurate information and submitted this information to the Transunion credit bureau. I recently received a letter from Transunion stating that inaccurate information would remain on my report. I am now resubmitting the same information with the additional ask of the investigative process that was used concerning my credit profile.
Product: Money transfer, virtual currency, or money service

Upon attempting to legitimately transfer funds to my mom, the transaction was cancelled and my MoneyGram account was suspended. I have not committed a fraud, and my transaction should not have been flagged as fraudulent. My mom and I called money gram and spoke with someone in the XXXX named XXXX, transferred me to XXXX, with online services. XXXX stated that she can only speak with the account holder, when my mom asked what department was reached. XXXX obtained my name, dob, and phone number then asked me to hold for 2-3 minutes. She returned, stating that MoneyGram was not comfortable with completing the transaction, and for security reasons, cancelled it. She added that the refund was approved and {$1400.00} would be returned to the account within 3-10 days. She added that I should go into the store to complete the transaction. When my mom asked her what was the name of the company we reached, and to speak with a supervisor, she repeated what we overheard her being coached to say, that they could not conference the call and she could only speak with the account holder. I told them that I am the account holder and my mom has permission to speak. My mom asked to speak with the person who was coaching her, XXXX then stated that she will have to disconnect the call. 

If the transaction itself raises a question, why is it ok to sent it from a MoneyGram location.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was denied a loan from XXXX due to Transunion credit report. Transunion had my XXXX XXXX as XXXX. My XXXX XXXX has rarely ever been under XXXX. After 4 hours on the phone and multiple calls to Transunion I was able to determine they have 3 different accounts under my social security number and this is why I was denied. I tried to have them fix the error but they refused and said someone would contact me. In the meantime I am unable to get a loan for solar panels and am losing money due to their error. XXXX and XXXX both have my correct information and credit scores over XXXX. Transunion consistently mixes my accounts and should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I originally financed my single family owner occupied home thru XXXX XX/XX/XXXX. The current servicer Select Portfolio Servicing fraudulantly created an assigmnet and recorded it at my local town hall purporting to assign my loan into a RMBS with XXXX as trustee. I have a copy of the Pooling and Servicing ( PSA ) agreement for this RMBS. Some of the many problems are the RMBS closed in XXXX of XXXX ( per the PSA ), PSA states all loans would have to be securitize prior to the closing day in XXXX of XXXX plus 90 days, SPS assigned my mortagage into the trust in XXXX, SPS lacks authority to assign anything into the RMBS ( per the PSA ), this RMBS is governed by New York State Trust Law ( per PSA ). SPS has sceduled a foreclosure once or twice a year since XXXX, everytime they cancel it the day before the scheduled date. I have filled out 15+ HAMP Tier1 modification requests, the always need something, or dont qualify for this reason, I defaulted on this agreement, or whatever story they decide to tell on any given day. I am currently under review for a modification since XX/XX/XXXX, but they always need something new. So recently they sent me a letter stating I would hear something on the review shortyly and the day later I receive an intent to foreclose letter from XXXX and XXXX dated for XX/XX/XXXX I sent them a proof of debt letter asking all the same questions I have been asking regrding the validity of the assignment and trust purchasing my loan. They still have yet to reply. So as I sit here wondering who actually legally owns this loan and wait to hear back regarding a modification and proof of debt their duel tracking me towards foreclosure. Duel Tracking is also illegal, but yet they still do it and get away with it. I need help to save this home for my family of 5.