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

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Student loan

My account is missing payments that were mailed in on XX/XX/23 and XX/XX/23, but these checks were cashed. I had a " Past Due '' balance because they haven't posted these payments to my account but have clearly taken my money. 

With the interest that quickly accrues on these loans, it is absolutely unacceptable for any delay in processing payments and posting them to our accounts. I NEVER experienced an issue like this with my previous provider, Great Lakes. 

I waited for over an HOUR on the phone for someone to tell me they're having delayed processing times. Again, this is unacceptable. This provider should not be allowed to conduct business if they can not handle the volume of borrowers ethically.
Product: Checking or savings account

I receive my tax refund check from IRS finally on Monday XX/XX/year>, so I went to my US Bank XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Wisconsin next day on Tuesday XX/XX/year>, to deposited my check and make a transaction. I wanted to get a cashier check for XXXX XXXX because I'm buying a new truck and I wanted to deposit the rest of it. My tax refund check had my correct address on that I have been living for over XXXX years. I have been a member of US Bank for over a year and I go to this branch a lot. This is a legitimate check and it clear electronically when deposited immediately. I was told by the banker that they needed to hold my check to make sure there is no fraud and she would work on clearing it for the next day. I have XXXX accounts with US Bank, so I just said put in all in XXXX of my accounts. She put it all in my newest account. I receive direct deposited from my employer in my account every XXXX weeks and I have been receiving other direct deposited since I open an account with US Bank. 
I was contacted by US Bank that because my tax refund check was deposited in a recent account that they had to hold the whole amount of {$16000.00} for XXXX days and that she missed the window of switching it into XXXX of my other accounts so I can receive it sooner. 
I was notified by US Bank to emailed verification of proof with my tax refund check from IRS, which I snapshot and it emailed the verification to them. 
I called US Bank customer service about my concerns in this matter, once the customer service gathering my information, he basically ridicule me and said I have to wait XXXX days to receive my funds. 
I ended up leaving my job early to go to the US Bank branch on XXXX XXXX XXXX. I spoke with the branch manager for XXXX minutes. She questioned me about a lot stuff and said, " we're trying our best. '' This is my worst experience and the second time they held my check for no reason. 
I feel discrimination!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several.complaints with the first one being that I had iauto nsurance through XXXX XXXX. I prepaid each month for 3 months and then found a much cheaper rate so I stopped paying XXXX mutual which means they should have stopped insuring me. That's why it was prepaid. So I went with a different insurance company and then 3 months later got a bill from XXXX XXXX for 3 months of coverage. They just continued my coverage without my consent and then billed me. I of course disputed this so they put a collection on my credit report with the account named CCS Collections for {$170.00}. This was not a credit account and my service should have been terminated the first time I didn't prepay the service. Two credit reporting agencies have removed the collection. However one did not after doing an investigation. This needs to be taken off my credit. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous submit a complaint with Transunion who resolved most of the problem. I don't understand why they have left things on my public record when all other items were deleted that were associated with this false and damaging information. I have contacting XXXX XXXX who has said they deleted this incorrect information and since the court does not communicate this information with any bureau directly, it is impossible this information is accurate, nor obtained, nor published on my file legally
Product: Payday loan, title loan, or personal loan

I was looking for a loan.I pulled my credit report and under loans that I pre qualify for is One Main Financial.I filled out info online and was approved.They called me and said I have to come in there office at XXXX XXXX XXXX, XXXX mi.,XXXX and to bring documents including Car title.After the loan officer ( XXXX XXXX ) took my info she said this loan is a unsecure loan but need a copy of title.ShXXXX took my title and never gave it back and told me that they will mail your title back to you.After signing, XXXX said this ia car loan.They lied to me.I never received my title to this day.The day I signed documents was a very hot day and the loan office air conditioning brokXXXX down and was rushed to get loan done.Just recently, I had someone look at this loan and was told, this loan is a very bad loan and its secured.This whole time I thought this loan was unsecured.And because this is a bad secured loan, My auto insurance rate has gone up.Therefore, this loan is very bad and should have read everything in detail and should of declined offer.Therefore, they lied to me to sell the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Few days back my card was lost somebody used with XXXX. So my bank replaced old card with new card. That card i did not recieve in my mail and somebody drained my whole money from account which was approximatly XXXX bucks and my bank is wells fargo. I urge please help me to get my money back because i am burden under this situation. I will either die due to this.
Product: Checking or savings account

i have had navy federal for over years an they have continuously charged me overdraft fees allowing me to make purchases knowing i didn't have the funds, and anytime i had any deposits including XXXX XXXX, my funds would automatically post assuming i had the funds but yet i would still be in overdraft
Product: Checking or savings account

My name is XXXX XXXX my child XXXX XXXX started a cash app account and I have sent XXXX dollars to her account to pay my electric and to buy food for my children but XXXX doesnt remember her XXXX pass word so we could us e the funds I sent to her account I have contacted cash n let them know that I am my childs sponsor and I need the funds back from her cash app that I sent becuz I cant access the account let them know that is the only money I have to feed my children and keep us out the dark so they begin trying different alternatives to get me in my account nothing has worked I called back every day and they started telling me lies that a manger is not available every time I call n that I have to talk too then thru a email I have express that thats money and Im her sponsor I need those funds to feed my family they still just blow me off. Now they are saying after a long period of time the finds will be transferred to the state n I can get the funds from them what Im not understanding is the funds came from my account to my childs account that Im the sponsor on but yet they wont release my phone and me n my kids could die of starvation pls can some one help me pls
Product: Checking or savings account

XXXX is scamming its customers out of money. One morning about a month I woke up and XXXX put a restriction on my account with no explanation. Causing me a lot of money. This bank needs to be investigated immediately and shut down before they are allowed to scam anymore hard working Americans taxpaying citizens.
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX BANK XXXX. XXXX.
Product: Credit card or prepaid card

I have an account with Capital One credit card. 
I just found out that they have been charging me interest on a cash advance from 4 years ago. And the only way I can get that taken off my account, the cash advance, is to pay off my entire balance. 

Granted, if I'm being overcharged, it hasn't been a huge amount at {$5.00} to {$6.00} each month since the 2019 withdrawal. But while I have made late payments for the past couple of years due to lack of reliable income ( I'm a freelancer ), I have been doing my best to keep up. My balance at the moment is about {$2800.00}. I don't know if I'll ever be able to pay that off unless somehow I can get regular employment. 

But, the amount I've paid in interest fees on this, by now, is about the same amount as what I withdrew. I don't see that it's fair that I can't pay off the cash advance when I'm making payments. There probably is no recourse, but it just seems like a very unfair practice.
Product: Credit card or prepaid card

XXXX / XXXX / XXXX  I needed expensive dentist work for my teeth. The dentist sold me on a no interest credit card from, Comenity Capital Bank,  XXXX   XXXX   XXXX  Credit Card account.  XXXX . I charged {$7500.00} and had the work done.     I did not understand that it was a 24 month promotion period with no interest. In  XXXX   XXXX  the promotion ended and they charged me an extreme interest rate of 28 % and started it at the beginning date. I had made every payment on time and most payments were in addition to the minimum payment.     My balance in the beginning of  XXXX  was {$2200.00}. Payments were due on the  XXXX  of every month.     On  XXXX / XXXX / XXXX  they added {$2000.00} interest, and {$2100.00} - PROMOTIONAL TO REVOLVING.   I called and discussed this as soon as I notices, around  XXXX / XXXX / XXXX . I pleaded with them to remove the interest charges and I was prepared to pay the balance in full. I spoke to  3 different levels of management and they were extremely rude and would not budge. The last person was the district manager and he said he did n ot report to anyone when I asked for his supervisor.     There was small writing on the electronic statement saying that the promotion was ending. I feel I should have been notified by mail, email, or phone.     I paid off the entire balance, in fact paid over by {$87.00} which they will not return.   The balance paid was {$4200.00} which was the balance on the  XXXX  ending statement.
Product: Mortgage

In XXXX of XXXX I was reaching how to purchase a home with a lower credit score. Mortgage Lenders of America reached out to me spoke with a lady named XXXX XXXX. I gave her consent to review my credit and see what I had to do to get a home loan. She reviewed all my information and told me with my current income and what was on my report I would be able to get a home loan for roughly {$130000.00} after I did some repairs and cleaned up my credit a little bit. She referred me to a Law Firm who they are partnered with that will help me through this process. I spoke with the XXXX XXXX XXXX and was advised it would cost me {$1400.00} to get my credit where it needed to be. The goal was a XXXX-credit sore to qualify for the FHA loan. I spent many months working on getting my credit where it needed to be following all the direction given by the Lawyer and paid the balance to them in full. On XX/XX/XXXX I received an email from XXXX XXXX giving me the good news of a preapproval of {$80000.00}. I felt so relieved that I did it I was able to boost my credit up and finally get the stratification of buying my own home. While searching for a home I was then notified by the realtor agent I was working with that I did not qualify and need to touch base with the lender. When I reached out it was now XXXX XXXX I was working with because XXXX XXXX no longer works there. 
XXXX reply to me was Again, I apologize which is why I am glad I reviewed the file again before you went under contract. Yes FHA requires that we use 1 % as the payment even though you are paying significantly less. If your credit score was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on your credit report. The best and most immediate option would be to build your credit, so you can go conventional. It will also require a 5 % down payment. 
After this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one. When initially XXXX XXXX pulled my credit, she would have seen that I had a student loan. I should have never been told I could qualify for something and tell me to reach a credit score, once I did what was asked they approved me then turned around and pretty much told me oh Im sorry we screwed up my bad. This is unacceptable for a business to conduct business like this. I reached out to XXXX explain this frustration and asked to speak with a supervisor to address my concern of how un professional this whole process was. I have not received an email or any notification from them.
Product: Debt collection

False representation and information given. Did not received verification or notice of right before paid to both account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$79.00} ; XXXX  XXXX Balance : {$170.00} XXXX XXXX  XXXX Balance : {$89.00} ; XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$74.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX texted me at XXXX XXXX. On XX/XX/year>. The text message woke me up.
Product: Credit reporting or other personal consumer reports

Account # XXXX ( This is not a complaint ) Hello this was the best way I found in contacting Honda Finance. I want to buy another car with Honda but a previous car I had with Honda has a late payment on it and is making it difficult to purchase a car with Honda. I ask that u approve my goodwill letter in request to remove the late payment as I am much older now and am much more responsible and take my credit worthiness very seriously.
Product: Mortgage

Ive had insurance the whole time, sent them proof and everything, still want to stick me with their force placed insurance. Seems like a scam to collect extra money. Please investigate and fine this company.
Product: Checking or savings account

***ADDING TO PREV COMPLAINT*** Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 IN ADDITION to being charged a {$36.00} nsfw for a bill payment that came out in error, they are now charging me 2 more fees. 
I pulled up my bank account on Sunday, XX/XX/XXXX & now B.B. t had me at negative - {$88.00}. I called spoke to XXXX at XXXX. They charged me 2 more fees for XXXX charge if {$4.00} and XXXX XXXX {$15.00}. I want these fees removed now 3 fees at {$36.00} each so I can close this account. 
Ill cleared my last balance and had a positive balance. I even tried to close my account and dispute XXXX transactions that keep running through this bank. I tried online with no help and I tried via phone and the rep told me to contact XXXX. 
Ill never recommend family or friends to come here & report this to the news and social media and I will seek my attorney if its not resolved.

Ill never do business again here nor recommend family & friends to this bank.

I want the 3 fees of {$36.00} waived so I can close this account asap.
Product: Credit card or prepaid card

My complaint is against Comenity Bank XXXX XXXX XXXX XXXX account and Comenity Bank XXXX account. 
I have an open account for each of the above-mentioned accounts, with an 18 months ' pay period with no interest. 
I have been making payments on time from the beginning, payments I make are more than the minimum required monthly amount due. 
I received a statement indicating a late fee of {$41.00} assessed against my account from the Comenity-XXXX account ending in # XXXX this past week. I called them and during my call, realized that they had previously charged me a late fee on a couple of more occasions. I reviewed the payment history on my bank account and my bank bill pay service sent payments to them on time every month, and this I can prove. 
This morning I had the same issue with my Comenity XXXX and XXXX account ending # XXXX. I logged in to review my final payment due and discovered that they have charged me late fees and interest on at least 4 occasions recently that they would acknowledge with me on the phone. I asked to have all fees reversed and they advised me that they can only reverse two of the multiple late fees that they had assessed on my account. This is not acceptable. 
I believe that this company is doing this unfairly and on purpose in order to make extra money on accounts that are making payments ahead of the no interest expiration date. I know that they are receiving my payments from my bank on time and sitting on them until past the due date and not posting the payments to the account on time in order to be able to access a late fee and interest, I use the same bill pay service from my bank for multiple payees and have never had an issue with any other payee not receiving the payments on time.

I feel that this is a very deceiving and unfair practice that Comenity is engaging in and they need to stopped from continuing this practice. They could potentially be raking in millions of dollars in late fees from consumers unjustly. 
Please let me know if you need more details on this subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX unauthorized hard inquiry on my credit report XXXX One Main- unauthorized hard inquiry on my credit report I contacted XXXX about all 3 of these companies as soon as I received the alerts that they had pulled my credit report. When I tried to dispute the inquiries, I was told that I would have to contact the companies directly to dispute it with them. When I tried contacting the companies, I was only able to reach one, as the others had listed a CELL PHONE VOICEMAIL and an inoperable phone number as their contact number. The one company I was able to reach told me that I had to contact the credit bureaus. When I called XXXX back, they told me again that I had to contact the companies. On my third call to XXXX, I was told to file a complaint with the FTC, which led me here.