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

US Bank uses a very deceptive way of determining when overdraft fees will be charged or not. The app and website will indicate that your balance is a positive value because certain charges have n't posted or cleared fully. The bank will allow you to continue using your card, even if you have the overdraft protection feature in place to prevent this from happening. Then, out of the blue your account will have a negative balance. US Bank 's policy is that if your account is negative, you have until XXXX that evening to replenish the account back to a positive value to avoid the overdraft fee. However if the account became negative on a date in the past, and it is n't reflected on your account balance until 4 days later, that does n't actually allow you to replenish your account back to above XXXX, because it will use the date the account was charged, rather than the date the account appeared negative on your account website. This is a very deceptive because you will think your account has a positive balance, then out of the blue one day it will be negative, so when you try to replenish it or make a transfer from another account within the business day, it wo n't count because it actually went negative days before without you knowing. This problematic strategy also comes unfairly into play for checks clearing. Per US Bank policy, you have until XXXX of that night to replenish a negative balance to avoid an overdraft. That means if a check is cashed from your account at XXXX XXXX, you have five minutes to issue a transfer or replenish your account to avoid the overdraft fee. If the check is cashed at XXXX XXXX, you have the entire day to accomplish the same task. How am I to know that US bank does n't even post check until late in the evening to purposefully incur charges that its customers wouldnt see if they were asleep, for instance because the account was brought below XXXX late in the night but right before XXXX. Extremely unfair
Product: Debt collection

I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX on XX/XX/XXXX, notifying me of a hard inquiry from Cash Central, which resulted in a credit score drop of XXXX points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX, I contacted Cash Central from the number listed for them on my XXXX credit report ( XXXX ), and spoke with three different people for a total of XXXX XXXX ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with XXXX to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like Cash Central to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted XXXX to file a dispute and spoke with two different people for a total of XXXX XXXX ( the majority of those minutes also spent on hold ), but was told because Cash Central did this in error, there was nothing they could do, and I had to contact Cash Central to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.
Product: Debt collection

I did not receive a letter of verification of debt. I was never contacted on this issue. I'm not even sure it is even my debt they are trying to collect. I believe it is a false derogatory mark on my credit.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. Delete this inquiries due to violation of 15 USC 1681b 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Current Bank. All I did was Turn my Credit Build Card Autopay feature Off and On due to an Alert that I turned it off. Then on yesterday XX/XX/2023 out of nowhere XXXX XXXX XXXXCurrent closes my account and told me in an email my account was closed 2 days priar to the Closing XX/XX/2023. I ask them why it was closed and they refused to help me by telling me. Apon review we decided to Close your account. We cant tell you why the account was closed and Hung up on me. I did nothing suspicious with the checking account.
Product: Credit reporting or other personal consumer reports

I started a fresh start account and ordered 1 item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from resurgent but fresh start fingerhut will not delete off my report and doesn't reflect it was paid.
Product: Checking or savings account

On XX/XX/XXXX. Went into Branch in XXXX XXXX on XXXX and withdrew {$8000.00} with Branch Manager, immediately after our account was flagged for fraudulent activity and subsequently frozen. 

Spoke to Investigator on XXXX Asked questions about accounts and reasons why transactions were made. Explained that the account has been frozen due to a routine audit. Said he would give me a call the following Monday.

Spoke to BMO reps on XXXX Was told by investigator that we would receive a call to get an update on the account. Asks why the account was frozen and I was told that it was due to fraudulent paperwork, then that it was because they needed to investigate the money in the account, which is their money from the line of credit. 

Received letter dated XX/XX/XXXX on XX/XX/XXXX Spoke to rep XXXX not able to give an update, unfamiliar with the account and needs to refer to investigator. Asked why the account was frozen and I was informed that it is under investigation due to whatever notes investigator put on the account. 

Spoke to BMO XX/XX/XXXX -I was given a brief overview of already known information in form of a recap about the account. No resolution and not able to get in touch with investigator. 

Spoke with rep on XXXX XXXX days later, no explanation of reason why account is not resolved. Havent had any communication outbound from BMO to speak with us about our account. Put on hold and still not about to speak with investigator. And still no foreseeable resolution.

Spoke with bank rep fraud specialist on XX/XX/XXXX She said that the initial investigation has been turned over to an external department. I asked about communication about our account The account was subsequently closed for no reason
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS XXXX FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX OFFICE OF THE ATTY GENER IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Mortgage

In the process of applying for a refinance of a current mortgage of my home, underwriters at Greenlight Loans determined I had XXXX outstanding liens against my home, XXXX of which was invalid and required release from the prior lien holder, XXXX XXXX XXXX. After nearly a year, Greenlight made little-to-no progress in getting the invalid lien released. So, I took matters in my own hands and contacted XXXX about the invalid lien and they said all they needed was the title search information from Greenlight and they could then expedite lien release, enabling me to refi my loan and move forward. I advised Greenlight all they needed to do was fax the title information to XXXX to move the process forward and the underwriter agent at Greenlight, XXXX XXXX XXXX whom had been " working '' my case for almost a year, said she would fax it over immediately. It has now been several weeks and Greenlight has yet to fax the title search information to XXXX, further extending my refinancing problem. I 've tried calling XXXX and multiple levels of her management, but not getting any reply. It is now obvious to me that Greenlight is only interested in processing " low hanging fruit '' loans and provides intentionally bad service to everyone else, effectively discriminating. I need CFPB intervention to help move this process forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB CARD Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit card or prepaid card

Discover card decided to unilaterally close my account last year. I was unaware that the account was closed for non-use, since I received no notification that I needed to use the card to keep it open. 

When I spoke with the customer service rep today, she was unwilling to submit my request to reopen the account. I have never missed a payment in the 20+ years I have held this card. 

It's clear Discover does not value my business and instead was attempting to " reduce risk '' by closing my account with no notice. I am beyond disappointed that this is how they are treating long-term customers.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Product: Credit card

My application for American Express Platinum was denied. This denial is a violation of both the equal credit opportunities act, as well as the consumer credit protections act. Withholding my access to my insecurities is considered securities fraud. It is a violation of both above stated acts under which American Express operates. After two phone call attempts to explain to them my frustration with this violation of my rights to credit as a consumer and I was hung up on both times. I sent a certified mail, expressing the illegality and my frustration about this, but to no avail. Thank you so much for your time and help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an EXPIDTED Dispute resolution since this is the result of XXXX 's system being hacked. This is a correction for complaint # XXXX from XX/XX/2021. The balance I provided of {$250.00} should actually be {$280.00}. The inaccurate information originated from XXXX systems being hacked and they have NOT yet corrected. I must have this corrected ASAP.
Product: Credit card or prepaid card

American Express presented fraudulent advertising on the web. I contacted them about this and recorded the call. I have the recording, it is an MP3 file. I disputed with them for months over this to no avail.

There was no membership fee listed when I signed up for their card, AE checked on it ( during our phone conversation because4 they would not help me online ) when I spoke to customer service and they said since it was not listed in their advertising, I would not have the fee the first year.

So, I agreed to keep the card if they would do as they said and remove the first year annual fee of {$95.00}. They never removed it like they said, so I paid off my charges on the card ( MINUS the {$95.00} annual fee they said they'd remove ) and closed the account. 

I have the recording that they ADMITTED the ad I responded to did NOT disclose the annual fee of {$95.00}. NOW, they have tacked late fees bringing it over {$200.00} and is ruining my credit!
Product: Debt collection

Disputed with the XXXX XXXX XXXX  XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account CAPITALONE in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX is not responding to my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my previous letter to XXXX and Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to XXXX and Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, XXXX and Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that XXXX and Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge XXXX to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT XXXX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied for a loan due to a purchase I was trying to complete at walmart.com for {$150.00}. I was denied the loan and the reason stated that it was because of my payment history with Affirm. I did not understand. I went on to affirmXXXX  and their help center to try to get information, and it stated that their decision was final. 
I am a current customer and have previous loans through Affirm. I make my loan payments before the due date and have never been late with a single payment. I have paid off several loans already and have an excellent payment history with Affirm. The adverse decision notice I received also states the denial is due to my payment history with Affirm and other factors. The adverse decision notice is dated XX/XX/year>. However, according to the adverse decision notice I received, the credit report they pulled was from XXXX and was dated XX/XX/year>. That is a XXXX difference from XX/XX/year>, to XX/XX/year>. The information they used to deny me was outdated and not current. The reason that was stated is false and untrue. I do not understand the other part of the denial, which appears to be made up. I have a credit utilization of XXXX  %. I filed a complaint with the CFPB in XXXX due to the XXXX credit reporting agencies manipulating my credit file without receiving the information from a furnisher and not allowing the XXXXXXXX XXXX XXXX XXXX that I am an authorized user of with a credit limit of {$20000.00} to be considered. They do not include the credit card but recognize I have an XXXX  % utilization only. Affirm used old data to determine my eligibility and creditworthiness, which is unethical and unfair. It is unjust to use back-dated data to determine my creditworthiness today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I pulled my Transunion credit report from annualcreditreport.com and noticed a few inquiries that i did NOT authorize nor do I have any open accounts with the following Financial Institiutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX IN Made contact with the credit bureaus and nothing has been resolved.
Product: Debt collection

Someone stole my wallet a while back and I am starting to see random things pop up on my credit report in collections.
Product: Vehicle loan or lease

Deferment program for requested for XXXX and XXXX of XXXX. Contacted company via phone advised that my XXXX XXXX is not show XXXX late for XXXX and XXXX. Sent copy of credit report to company showing account was marked late. XXXX has still not fixed the issue. Also had instant messaging convo requesting new due date in XXXX that was never done. XXXX XXXX who researched the issue is still incorrect. You are not supposed to report XXXX as late if they late payment was done in XXXX. My credit report is currently showing XXXX payments XXXX late which includes XXXX and XXXX XXXX. If your going to hide behind truthful then report it truthful and learn how to send a professional letter to a customer. For account XXXX. Regardless of anything XXXX and XXXX should not be marked as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX that you have included SUNTRUST XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing complaints against the big three credit bureaus Experian, XXXX, XXXX, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. 
The erroneous information is still in my file although they said it was removed. 
Please see the attached correspondences. 

XXXX. In reference to the Public Records issue, I contacted the third-party entities who didnt have my permission to relayed the inaccurate information. As of XX/XX/2022, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, confirmed my Permanent Opt-Out, see the attached letters. Experian, XXXX, and XXXX claim to have completed investigations as of these dates listed and confirmed & verified the Public Record as of XX/XX/XXXX, for XXXX, XX/XX/XXXX, XXXX and XXXX XXXX, for Experian. The Public Record is indeed inaccurate, had the credit bureaus completed an actual investigation they would have confirmed this. Please delete this from all three credit files and reports. 
XXXX. Experian is erroneously reporting that I have a spouse or co-applicant man named XXXX. Not only am I not married, but I am not nor have I ever been a XXXX or XXXX. This is outrageous and libelous. Please deleted this from my report and file. 
XXXX. Please deleted the fraud statements from all three credit bureaus and files. 
XXXX. Please delete the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX XXXX, FL, XXXX XXXX XXXXXXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX. XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please delete the incorrect & outdated employers : XXXX never worked for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 

Experian, XXXX, and XXXX have been asked previously to make these changes but havent done so to date and has adversely affected my overall credit status and score.