23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXXXXXX and I subcontracted a portion of the job that required a license. On XX/XX/year> and XX/XX/year> I sent a company called epoxy plus a total of {$2000.00} through a XXXX transfer from my Truist bank business checking account. I later learned the owner of XXXX XXXX is not licensed and he cost me the job due to his incompetence and damage he caused on the job site. I filed a dispute with Truist bank and have given them contracts and other documents that pertained to the job. I explained what happened and I even found out that the owner of epoxy plus was just released from prison where he severed time for drugs and fraud. I even sent that to the Truist bank but they still denied it. I was credit exactly XXXX dollar which i found very insulting. I asked on two separate occasions to speak with a supervisor and never got to talk to one. I was placed on hold for over XXXX minutes and this was during normal business hours. I have been in business a few years now and I have had disputes I made validated without question and if i was wrong the bank would take the money back but Truist bank seems to me will not validate any claim no matter what. This was a serious setback for me and my family and Im writing this as a last attempt to seek some justice or at least part of my money back. Im hoping this will help. 

Best Regards XXXX XXXX
Product: Mortgage

In XXXX XXXX I began discussing a reverse mortgage with XXXX XXXX of American Advisors Group. As of today, although all the paperwork has been submitted and the loan approved was approved in XXXX XXXX, they have failed and refused to go to closing. XXXX XXXX does not return phone calls or respond to emails. There is always some excuse. It took months for the appraisal of my house to be completed. At the last minute, I was informed that I had to pay for the mortgage. The appraisal was finally done and then there have been one delay after another. If I did n't need the money to do certain repairs or to reimburse my savings for repairs already done, I would not be so upset. Each week there is another problem - he called to tell me that there was a mortgage on the house - no mortgage exists - the title company did not notice that when the mortgage was released in XX/XX/XXXX, the lienholder misspelled my father 's name, which they corrected with a second release of mortgage. Within 5 minutes of receiving the call from XXXX XXXX, I was able to show him what they missed. I had submitted all documents which XXXX XXXX said they needed, yet repeatedly I am receiving calls asking for the same documents over and over again. I have called numerous times and asked to speak with XXXX XXXX 's supervisor, no one ever answers the phone or when I leave a message, no return call is received. Last week I received a call from XXXX XXXX from XXXX XXXX XXXX and we went over judgments that were n't mine. Have not heard back from her. AAG has placed me in such a financial bind that I may not recover from it. XXXX should not be an approved HUD reverse mortgage lender. Please help me! The supporting documents are so voluminous that I could not upload them. I did not receive a XXXX XXXX XXXX nor did I receive a letter of approval. All approvals were verbally given to me by XXXX XXXX.
Product: Vehicle loan or lease

I recently paid off a car loan financed by Bridgecrest. I paid the EXACT amount shown on the Bridgecrest website as my last remaining payment including all accrued interest. The final payment was due on XX/XX/2019 the final payment was sent to Bridgecrest via ACH Debit on XX/XX/2019. As ACH Debits typically take 2-3 days to deduct from my account, the payment was taken out of my account on XX/XX/2019 ( see attached document ) indicating the payment was made before it would be considered 30 days late. I was informed by XXXX at the Bridgecrest compliance department that all interest and late fees had been absorbed into the final payment and was sent a letter stating that my account was PAID IN FULL. As of today Bridgecrest has reported my last payment as 30 days late after I was specifically told by XXXX at the Bridgecrest compliance department that all interest had been absorbed and that I was NEVER 30 days late on any of the payments I made on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX, XXXX, AND XXXX 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  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
Product: Credit reporting

fraud inquiry on my credit report from synchrony bank ( Walmart credit card ) I 've tried a number of times to contact Walmart and synchrony bank to only here 45 days and it should be removed it has been well over a year.
Product: Bank account or service

XX/XX/2014 I received a settlement of XXXX. Less than 2 months later {$89.00} XXXX is spent. I 've never made any major purchases such as cars, houses etc. I closed my account after speaking with a wells fargo representative asking her is there any way some one could take money wuth out my knowledge she replied no. I just called wellsfargo and they have no records of my banking info stated it wss archived. After soeaking with XXXX from FDIC she stated they should gave kept my records for 7 years. At this point I am requesting a full investigation of fraudulent activity on XXXX account number XXXX routing number XXXX XXXX. 
Thank you XXXX XXXX XXXX Ga XXXX XXXX
Product: Debt collection

this company call me and writing emails, trying to collect I debt from me.. they said they don't a collector company they said I have a account with a tally company and that company Tally ceased operations in early XX/XX/year> and transferred all open accounts to SST for servicing purposes and a welcome letter was sent advising of the new servicer. 

please see the attach documents.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to Experian.com to request a FREE Credit Report. Once I submitted the request the website asked me for my credit card information. The website said my credit card was needed but was not going to be charged for anything since I was only asking for a FREE credit report. I went ahead an submitted my information and got my free credit report. 

On XX/XX/2022, I woke up from an email alert sent by XXXX XXXX notifying me of a purchase made without my card being present. I went ahead and checked my XXXX app and saw a pending charge of {$24.00} from XXXX. I had not used this card in several weeks so I immediately went online to check who this company was and after a XXXX search it came out that it was Experian. I immediately called my credit card company, XXXX XXXX, to notify them of this fraudulent charge. I did not sign up for anything through Experian and only requested their FREE credit report so this should have never been charged to my account. 

I went ahead and checked my Experian account and saw that my account had been changed to a $ XXXX service. Again, I never agreed to this when submitting my credit card information and Experian said my credit card would never be charge for their free services. I had to change my account back to a free account. Again, I had never changed my account and Experian did it themselves without my permission.
Product: Debt collection

On XX/XX/year> - The amount of {$1800.00} was deducted from my personal checking account at US bank for a credit card debt that does not belong to me. US bank openly admitted that they are unsure on how this happened because the debt collected was for my deceased father who passed away this year in XXXX. US bank said that their collections department authorized the collection for the debt and can not reject the payment because it is out of their control. The debt owed is my deceased father 's business credit card for XXXX XXXX XXXX under his name XXXX XXXX. He is the only person tied to this debt, not me. I am not an authorized user and never have been authorized to use his account. Therefore, no money should have been deducted from my personal checking account on behalf of my dad.
Product: Mortgage

I bought my house in XX/XX/XXXX for {$82000.00}, refinanced to lock in a fixed interest rate in XX/XX/XXXX. Was defrauded. Falsified documents filed. XXXX payment allegedly missed, but I was not notified until almost FOUR YEARS later, by then I had a lot of late fees. I did a " quick and easy loan modification, that put my home into foreclosure, even though XXXX indicated that they were ONLY moving the payment to the end of the loan. They said they were required to revert my loan back to 30 years AGAIN, even though they assured me this would not happen. Then, XXXX went under, Loan went to Countrywide and XXXX delinquent payment showed up again. Another loan modification, another 30 year term. The ONLY payments I have EVER missed are the ones I was REQUIRED to miss to qualify for the loan mod. As it stands now, I have lived in my home 17 years and owe {$4500.00} more than I did at the beginning, I have lost almost {$160000.00} in payments, AND my loan term is now 44 YEARS. 

How can this be correct? Bank of America who now owns my mortgage was just fined almost {$17.00} XXXX dollars for fraud. I am wondering WHY what they did to me does n't qualify as fraud? 

Please advise. 



XXXX XXXX XXXX XXXX, Tx. XXXXXXXXBank of American Loan : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I noticed there was a bankruptcy on my consumer report filed on XXXX, I contacted the bankruptcy court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this bankruptcy has been on my consumer report. Please investigate and provide proof with statements showing that this bankruptcy was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this bankruptcy be removed for both reasons. Thank you! Please see screenshot attached.
Product: Mortgage

I inquired on a loan through Online Central, a division of The Central Trust Bank. XXXX XXXX ( XXXX : XXXX ), the agent, would following up constantly to get the application and my documents over. I have a excellent credit and strong income. He would follow up at all hours so I completed everything. Now I have been unable to get ahold of him for weeks. He will not respond and has been XXXX. This is frustrating after all credit and private documents have been sent. This makes it feel very much like a scam, do not use.
Product: Vehicle loan or lease

Look XXXX of XXXX XXXX  sold me a car and promised an inspection with the contact and warranty upon receipt yet I paid on XXXX  of XXXX and picked up a few days later but I received XXXX paperwork as required upon sale and the inspection or car faxs were refused when I picked which XXXX the salesman garanteed verbally and the the other ssles man XXXX was sent the inspection sheet and was told by his boss to refuse about 2 weeks later a crack in windshield showed up and XXXX was going in and out and the XXXX  and XXXX XXXX  patients I drive for medical rides for XXXX were scared when I was sliding around corners I took it to XXXX which gave what they said was an inspection sheet and a copy of an invalid warranty they refused to honor the windshield had to be replaced cause XXXX  said I did it so I claimed it and XXXX and XXXX XXXX  will tell you it was sealed then popped out after sale then the safety features on the car went out and I backed into a car was told by XXXX  to take the car back after I disputed it and filed a complaint to ftc for it and the paperwork they gave me that day I got stolen and had to write a report to the police department in XXXX using my kids address at XXXX XXXX. But I couldn't pay consumer portfolio services cause I didn't any of there Information cause XXXX refused to give it so like a few days after my bill was due in XXXX a worker for XXXX  kept calling me at work with passenger in my car saying all my financial Information and private business and telling what I'm going to do and when like he was the bookie I don't like being strong armed so I offered to drop the car to them since I was already in XXXX XXXX they said no just wait and see After I returned the car to XXXX XXXX  gave me my deposit back which they returned to XXXX the contract I signed I was put down as cosigner and since the warranty wasn't even valid according to the manager at XXXX of XXXX XXXX XXXX who said there was no active warranty on the car so I theu signed a release of liability on the car through XXXX and California government agreed so the car is in XXXX XXXX name who was told to do the same but refused the XXXX  hit my credit like 20x without permission after first attempt and now XXXX put a claim on my XXXX XXXX auto insurance cause XXXX never got a contract or quote from XXXX or XXXX so they refused to pay but they paid for the orher car cause also they said I had no passenger but I was on my way to one before the accident then I had to cancel cause of the accident but there ruining my credit and go after me but not XXXX and not XXXX XXXX who according to XXXX is sole owner I needed a print out to prove that for disputes like this but XXXX  said I had to contact XXXX  for that
Product: Checking or savings account

I was a member with navy federal for some years most definitely from XXXX. I was charged overdraft fees in the sum of around {$25000.00}
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Student loan

On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX balance remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX and Innov 's I file a request to opt-out and add a Security Freeze and they wont do as I ask
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to correct inaccurate information disputed several times without correcting. Theyre reporting 30 days late for the month of XXXX 2022 yet XXXX only shows 30 day late for the month of XX/XX/2022 which I have provided documentation for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the invest
Product: Debt collection

1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized application submitted to XXXX XXXX ( XXXX ) XXXX. Company was contacted and the fraudulent application was canceled. Despite confirmation that the application was the result of identity theft, XXXX XXXX and Equifax have declined multiple dispute requests and will not remove the inquiry from consumer 's credit file. FTC theft report has been filed and is attached. Notation of the inaccurate information reported by XXXX and Equifax is in the Statement section of the affidavit.
Product: Credit card or prepaid card

USAA charged me {$240.00} on XX/XX/2021 for accessing my own money, contrary to what i was told by USAA Representative that it was my money and i could access it anyway without any USAA fees or charges. 
And on XX/XX/2021 USAA charged me XXXX cents for interest. 
Where is the balance that i owe? that i am being charged interest on?? 
For years and years, I always pay off my FULL balance, long before the due date. 
There is obviously glitches on USAA 's systems! 
Where there is no money borrow or loan or advanced or even outstanding, why am I being charged interest??? 
Why the XXXX, am i being charged fees and now interest on my very own money???
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

XXXX provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. XXXX and Transunion did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my credit reports.
Product: Credit card or prepaid card

On XX/XX/23 got charged with XXXX x XXXX for gift cards and XXXX for XXXX pizza. All fraud. Bank of America declined the pizza and one of the gift cards but two of the gift cards ( {$600.00} ) went through. I am stuck with a {$600.00} charge that is fraudulent on my account and BoA has not credited my account and is currently researching the claim. I have filed a police report in XXXX XXXX NJ.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX
Product: Mortgage

I had applied for a usda home loan through first interstate bank on XXXX. On XXXX I was contacted by a loan officer and my husbands and my credit was ran 5 times in a period of 3 days. That many inquiries damaged our credit and the bank never even got back to us after 4 weeks. I had called weekly and left messages with the loan officer and at week 3 I called the branch she works out of and was told to email her and I should receive a response. Now at week 4 with still no contact from them, I called first interstate bank and was told someone would be in contact with me. Its been over 48 hours and still no contact.