23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a new credit card with American Express. I have several credit cards and I ALWAYS set up my cards for auto pay of the full balance for each and every card. When I received my first bill from AMEX in XX/XX/year>, I went to their website. 
When I selected AUTO PAY, the choice was very confusing...... For the payment selection date, it says " Select the number of days after the closing date '' What in the world does that mean??

There was NO OPTION to pay on the due date. I was forced to GUESS the number of days after the closing date ... .which also had NO description or definition of the days after the closing date. As a result, I guessed incorrectly. I went in 2 days after the due date to make sure things had paid in full... they had not. I immediately called AMEX and made sure my ENTIRE balance was paid in full. I asked because of the very confusing directions on Auto pay to waive my {$29.00} late fee and my {$170.00} interest charge. She said she could waive the fee but NOT the {$170.00} interest charge. I paid off the entire balance 2 days after the due date, but was charged {$170.00}!!!

It is very apparent that these auto pay directions are designed to mislead the consumer and force us to guess the due date and calculate the due date. I have 4 other credit cards that are paid in full monthly and EACH ONE HAS an option to pay ON THE DUE DATE. It is apparent to me that this is AMEX 's way of tricking or confusing me into {$170.00} in unnecessary and unfair interest.

Please help me. Thank you very much.
Product: Payday loan, title loan, or personal loan

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I applied for a credit extension and gave them my ssn. Once ace cash express accepted my application they have now entered into a fiduciary relationship with me and have to act in my best interest. Since banks cant loan out their own stock pursuant to TITLE 12 USC 83, where could the money possibly come from. They are obligated to compensate me for the use of my SSN, since I havent received any benefit it is now an unauthorized use.
Product: Mortgage

PennyMac offered a 1 % lower rate for a year going through them. After I was in the mortgage process they told me it costs money to which I agreed and paid and signed for at closing. My rate is still at the unadjusted rate and I have called them 5 times, emailed twice and talked to my direct loan officer. The second time I emailed was after almost 2months of closing and promises to correct the issue and still nothing. PennyMac is in violation of my contract with them and refuses to fix it or contact me back.
Product: Money transfer, virtual currency, or money service

I had an issue with my Cashapp account money would randomly appear and disappear from it. I tried to reach out to spouse but could never get in touch with an actual live agent.
Product: Credit card

In XX/XX/XXXX I received an email notifying me that a Home Depot credit card was open under my name. My wife and I called Home Depot credit card services on XX/XX/XXXX to report the account as fraudulent. We were assured that the account would be closed and reported to the credit bureaus as a fraudulent account. Then in XX/XX/XXXX I saw that the account was still listed as open on my credit report, so I called Home Depot credit card services again on XX/XX/XXXX to request again that the account be closed and reported to the credit bureaus as fraudulent. We were assured again that they would do as requested and would send us a confirmation through email. We never heard anything back and the account is still listed as an open account, although on XX/XX/XXXX the status was changed to be under " payment as agreed ''. We called Home Depot credit card services again on XX/XX/XXXX and received conflicting information about whether the account was closed or still under investigation ( consumer protection department rep. XXXX ). Throughout the whole process we have been told that they do not provide customer service representative ID numbers or any written confirmation of our phone conversations for the purpose of documenting these conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bbva compass sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX , and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation. 

They are based out of XXXX  and do not follow the banking laws of the USA.

Thank- You,
Product: Student loan

Loan was paid in full on XX/XX/XXXX. However, Navient failed to update autopay and debited {$230.00} from my checking account on XX/XX/XXXX. As of this writing on XX/XX/XXXX, I am requesting a refund and confirmation that auto pay is turned off. They have not been responsive via phone call or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Transunion and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive XXXX XXXX XXXX complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Transunion has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX  XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

The mortgage loan was paid in full as of XX/XX/2022. The company, nor I, owe any additional payments, charges, fees to Select Portfolio Servicing Inc ( SPS ). In fact, the mortgage loan was overpaid on purpose so XXXX XXXX XXXXould realize that the balance will come to {$0.00}, regardless of how many illegal, deceptive, unethical, non-transparent and more importantly pure theft charges, fees and " made up '' balances they want to attempt to make. 

There is a bank account that was linked to the online payment system within SPS at www.spservicing.com. This is a primary bank account that is treasured. Low and behold, what do you know?! SPS has found a way to LOCK, BLOCK and completely STOP the bank account to be fully removed, even though there has been a XXXX Balance / Paid In Full Account dating back to XX/XX/2022! 

See the attached screenshots. This is a literal fact that SPS has completely removed all abilities for me to legally remove my bank account from the online account. 

Here is the icing on the cake!! 

Select Portfolio Servicing Inc. has done it yet again. They not only have locked me out from removing my bank account from the online system, but they also have recurring payments scheduled starting XX/XX/2022! This is pure theft! The mortgage loan is completely paid in full over a month ago. And SPS finds a way to top themselves yet again! 

My bank account must be removed this week by Friday XX/XX/2022 at XXXX PM EST. 

All banking information and banking accounts must be fully removed from my online account Friday XX/XX/2022 at XXXX PM EST. 

All current, pending and future illegal payments that SPS has in their system and all payments that SPS has completely and illegally locked me out from disabling and voiding out, needs to be fully removed and updated by this Friday XX/XX/2022 at XXXX PM EST. 

This is pure theft, this is illegal, this is highly unethical, and I will not stand for this for another moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX : {$1600.00}, XXXX  XXXX Balance : {$1300.00}, XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a deposit for a furnished apartment rental with XXXX XXXX XXXX XXXX for {$250.00}. The dates of the rental was from XX/XX/XXXX - XX/XX/XXXX. Total cost of the rental was {$3600.00}. 

On XX/XX/XXXX I cancelled my reservation by contacting the merchant on the phone. The merchant said that he was able to discount the total cost of my reservation by % 80. The merchant sent me the updated invoice for {$720.00}. I paid {$720.00} on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX charged my credit card {$2700.00}. I should not have been charged this amount because I had paid the {$720.00} in full.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX a victim of Identity theft.The unauthorized inquiries which were inflicted on my account demand removal and deletion.XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXXThis inquiry is in fact fraudulent which is grounds for removal.I demand Equifax remove this inquiry just as XXXX has already removed such fraudulent inquiries.
Product: Vehicle loan or lease

Lender via harassment and intimidation two had threatened to respose the car requesting to pay the car before past due dates. I paid the car late but always paying with late fees included due to a loss of employment I called the company and one person answering the phone said theyre not bank theyre just financial institution and they can repose any car even one day past due. Requested for payment arrangement paid the due balance and car still on repossession status. Financial institution refuses to disclose how many days is past due and said the he car is low mileage they intend to sell it. No matter what solution or payment are being done the financial institution had disclosed intentions to repossess the car and sell it. One customer service representative had been very cooperative but other man named XXXX is being intimidating and aggressive with customers uncooperative. No notice of repossession had been sent to me only this had been discussed during phone calls and when I disclosed I was recording the phone call I was put on hold and yelled I was no authorized to record the phone call and hanged up on me. I tried to record phone call to use it as evidence on court if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted XXXX and Equifax. XXXX advised I call XXXX directly on XX/XX/. On XX/XX/ I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX BANK # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit reporting

I have filed multiple disputes with Transunion regarding fraud on my accounts. However, they continue to verify those accounts. The accounts include gap ( acct # XXXX ) XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ). Even with police reports, transunion refuses to remove these above mentioned accounts from my credit report. CFPB complaints have been filed against them independently. Transunion needs to follow laws regarding fraud voluntarily. I want these accounts blocked from my Transunion credit report.
Product: Credit reporting or other personal consumer reports

I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. XXXX for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that Equifax and XXXX initially blocked those two accounts, but they re-appeared months later.
Product: Money transfer, virtual currency, or money service

I deposited a cashiers check XX/XX/year> from XXXX ( {$850.00} ) into my checking account and received a text message stating it had been deposited successfully. XXXX days later ( XX/XX/year> ) i was unable to use my XXXX XXXX or debit card. When i called Simmons they informed me that there was a fraud hold on my account due to the cashiers check. I could not log into my account, use my debit card, XXXX XXXX, and my auto payment bills are being returned. XXXX reached out to Simmons and sent over verifying information that the cashiers check is in good standing. Simmons still has the hold on the account. The bank is telling me the fraud department is outside of the bank with no way to contact them but email. On yesterday ( XX/XX/year> ) after reaching someone sympathetic to my situation, they sent out an email that resulted in me regaining access to my account and use of my debit card but the cashiers check is still on hold with no update of whats to come. I should have been notified initially! There should be better means of communication with the fraud department. What next? How long will their be a hold? Why not release the cashiers check to XXXX  so they can issue a new one?
Product: Mortgage

I am writing to bring to your attention a significant issue I have been facing with two mortgage servicing companies, XXXX XXXX XXXX and Shellpoint Mortgage Services, which has had severe financial consequences for myself and my family. 

On XX/XX/XXXX, I sold my house, and all outstanding balances were paid off to Caliber Home Loans at the closing. However, during the same period, XXXX XXXX XXXX was in the process of transferring my mortgage to Shellpoint Mortgage Services. After the closing, I discovered that Shellpoint Mortgage Services was erroneously reporting that my mortgage had not been paid off and listed it as delinquent on my credit report. 

Despite my attempts to provide proof of the mortgage 's closure and the payment made to XXXX XXXX XXXX, I have been unable to rectify this situation with either company. As a result of this error by XXXX and Shellpoint, my ability to qualify for a mortgage or obtain any form of credit has been severely impacted, causing immense financial burdens and instability for myself and my family. 

I have diligently communicated with both companies and the credit bureaus to resolve this matter, but the situation remains unresolved. I am at a loss as to how to proceed further, and this ongoing issue is causing me significant emotional distress. As of today, Thursday XX/XX/XXXX, my credit report shows that I am 120+ days delinquent on a mortgage that no longer exists.
Product: Checking or savings account

In 2011, XXXX, Wells Fargo illegally continued an Auto-Pay to a linked Wells Fargo credit card that I tried to cancel, I assume by utilizing their status of my bank account fluctuation. This resulted in a stream of overdraft protection fees and I called all day ending up at their executive office who refused to refund, stating something like the accounts were theirs and they could not correct the error. They very shortly after my long call to the executive office refusing to have money stolen from me; closed my account taking all funds remaining and used it to to pay a portion of the credit card attached using whatever law allows them to do that with linked funds. It started an unbelievable financial hardship thats taken over a decade to try to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX {$550.00} Dispute was filed. 
XXXX XXXX XX/XX/XXXX {$1900.00} no action XXXX XXXX XX/XX/XXXX {$7400.00} Dispute was filed. 
XXXX XXXX ' XX/XX/XXXX {$150.00} Dispute was filed. 
XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX {$710.00} XX/XX/XXXX no action. 
XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX no action. 

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 



..
Product: Debt collection

I have a lot of inquiries on my consumer report that is very damaging and I keep getting mail, and it has destroyed me. I do n't even know about these things that are in my credit report. Can you please remove tjem
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have never had a credit WITH XXXX XXXX, Caine and weiner, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.XXXX XXXX and Caine and Wener was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you