23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I bought a Netspend Pre-Paid VISA card purchase price for the card was XXXX + Tax I put the amount of money on the card. There was no choice at this time that there were different plans to choose from that gave them the ability to take fees out of the money put on the card. The card they give you is temporary and for ten to fourteen days you have no idea that they can charge fees and what those fees are for. I bought my card thinking that the amount I paid to put the money on the card was the only fee that I would be charged so like an XXXX I never bothered to check but after the third purchase I made with the card I was wondering if something was wrong and I find out Im being charged XXXX for a monthly fee that I was never made aware of and it is do to the way Netspend does business. They purposely use a temporary card and give no information about how the card can take your money and by the time you receive your permanent card you have already started using it and a person tends not to have these questions at that time because when they used the card they had already committed to whatever the rules of the card was only to find out later that they have been hit with fees they never got the chance to deny it they felt they were unacceptable. By then the Netspend Company already got your money when you times this by thousands and tens of thousands Netspend making Great Amount of Money by ripping their customers off. So this is my complaint I dont think Netspend VISA should be aloud to continue ripping people off and I was wondering if you could stop them for us. Thank You.
Product: Credit card

Today I added my new XXXX XXXX Citibank credit card to my XXXX XXXX. I attempted to do the verification with my phone number and with a phone call and neither of which went through in the XXXX XXXX XXXX, and then told me to call Citibank to verify my card I then made contact with Citibank and gave them my information including my phone number in order to verify my account. At that point I was told that my phone number that I have had for the last 10 years and that is in my name does not meet the verification criteria. I then ask them what the criteria is for a phone number and they would not tell me, we went through the other verification options which only included having city bank accounts other than the credit card in other words I had no options to verify my account even though I can provide them with all of my information including my phone number and an email to send a one time pass code to, and they would not. Making me concerned that in the future if I have an issue with my credit card or if my account does get hacked by someone that I will not be able to access it because they told me my only option in this scenario is that they have to mail me a one time pass code which could take 5 to 10 business days. In my mind. This is absolutely unacceptable. If something was happening to my account, and someone was doing some thing, I would have absolutely no access to my account other than receiving a letter in the mail during which time any number of things could happen, none of which are good I am filing this investigation because I believe this practice to be unacceptable and prohibitive of using a credit card, I had originally got this credit card to make a purchase this week and now I am unable to do that because I am waiting on a pass code because they could not verify me through my phone number and kept asking if I had any other phone numbers under my name which is another privacy concern of mine is how they are verifying the name on an account of a phone provider without my consent. That was very disconcerting. Every agent by the end of the call told me there is nothing else I can do to verify my account other than receive the letter. I couldve provided them any number of pieces of information, but at the end of the day I dont believe it to be acceptable that they can not verify me through my own phone number that I have had for a decade, that is under my name and all they could tell me is it doesnt mean theyre verification criteria. Under no circumstances talking to those five people what they tell me what that verification criteria was or how I could meet it. This is unacceptable practice of verification, making it impossible to access. Your account is dangerous and I would like a response from Citibank explaining to me why this happened to me and how its not gon na happen again in the future if they would like to keep my business I run a XXXX XXXX XXXX and I make a lot of purchases throughout the year and this is going to be my main credit card for the foreseeable future and right now I dont see that happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed my identity was stolen late last year, I don't know when or whom may have stolen my identity. I'm in my early XXXXs so I am just now knowing about credit and how it works mind you I have never used my social for anything, I have never applied for anything so to see that someone has been using my information was hurtful and made me feel low and vulnerable. These people opened cell phone and bank accounts, got medical service, and even received student loans under my identity I tried to get everything situated with credit reporting agencies but to no avail. I will also be attaching a copy of my FTC affidavit with the corresponding negative accounts.
Product: Money transfer, virtual currency, or money service

Hi Im filling out a complaint regarding a dispute I had with my bank a couple years back, I lost out on rent money sending money through my Zelle as that is the way me and my cousin normally handled the transaction. This resulted in a downhill slope for me and my bank and Zelle had no resolution for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.
Product: Student loan

HeyI would like to know who I can file a complaint with about American education services, AES. I got a private student loan with XXXX in XX/XX/XXXX, they sold it at the end of last year to a company I can not not locate any information on. I have paid off XXXX loan and have been paying on another through them. I called last month and asked if I could have a smaller payment since I had some extra things come up. There rep said I was paid up until XX/XX/XXXX and I could just pay an interest payment with no issue, so I did. Then I started getting emails and phone calls about my delinquent account. I called and was told the XXXX person I spoke with was completely incorrect and that they would put it on my credit in 60 days if not caught up. I have been trying to get extra work and sell things to do that. They could do nothing else to help me but would file a complain on my behalf. I got another letter stating they were going to report it to my credit in 30 days if not paid. I called because now a manager has lied to me as well as a rep. I was told today that it was basically my fault for listening to their rep and that their is nothing they will do to help keep the delinquency off my credit. I would like to know what I can do, that is so wrong and I wont get any extra money until after the 30 day mark. I want them investigated too, maybe they are just as corrupt as XXXX student loans. But they are out of PA not AR .... can you give me any assistance on who or what I can do!! 
Thanks
Product: Credit card

My name is XXXX XXXX. I had made a purchase of a product worth {$32.00} at Sephora 's store in XXXX, XXXX XXXX. While making this purchase, last year in XXXX, I was told that if I apply for a store credit card, I will receive some discount and I will only be paying {$24.00} for the product. I applied for the credit card and paid the amount using my other card but never received the Sephora 's card. Few months later, I started receiving calls to pay the money {$32.00} with some late payments that showed on that account. I got to know that store people had messed up and they had charged me twice for one product, once on my personal credit card and second on Sephora 's credit card. I refused to pay the amount because I had already paid the discounted amount {$24.00} for the product using other card. But then Comenity Bank and Sephora Visa Credit card people didn't help me resolve it even after raising a dispute. They closed the first dispute without resolving it. Then I had to raise another dispute which takes upto 90 days for them to review and that {$32.00} kept accruing late fee on it. Finally, after so many conversations with Sephora customer care, I was suggested to pay {$150.00} total due balance on my account and then raise a dispute, so I did that. I paid that amount to stop having more late payment fees on it and raised another dispute. I was then asked to submit proof of payment, purchase receipt, a letter explaining the issue, bank statement. I did send those to the dispute po box for Sephora. They refunded {$150.00} in XX/XX/2024 to me. My balance got to {$0.00} balance after this but now it again shows the balance due of {$150.00} on my account. When I called the customer care, a representative named XXXX, behaved very rudely and said they're charging me for the money I borrowed when I constantly tried to explain to him that it was a refund of my money. Then I was transferred to some other agent and she told me that refund was a mistake on their part. The person who issued refund, wasn't supposed to and that's why they have this balance for me again. She also said she will send this over to their dispute department and only if it is approved by them, she will modify my balance. Otherwise, I am again liable to pay them the false charge of {$150.00} on XX/XX/2024. I have been mentally harassed by tons of calls from Comenity Bank. I have been spending hours with customer care at Sephora for months now. I request help from Consumer Finance to help me resolve this before that date. Thank you.
Product: Debt collection

On XXXX XXXX, 2016 after a long day at work, I received a notice in the mail from ( Hillcrest Davidson & Associates, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) ( phone # XXXX ) a debt collection notice, I was unaware of this bill so I made a phone call and a person on the phone name ( XXXX ) this took place around XXXXXXXXXXXX, after he told me the bill was from ADT I recall having the alarm system put in. I continue to tell him the bad experience we had with XXXX, and I also mention that it is noway that I could pay this amount of {$1300.00} I asked him was it anything that could be done to resolve this, because my husband had XXXX back in XXXX and has been out of work for a long period of time and we had just XXXX income coming. He began to go and tell me with what he was reviewing my credit that I had money to pay it, because of the credit cards I got, I told him I did n't know what he was talking about, and continue to tell me my history with XXXX at this time I was getting a little furious with him. During the conversation he made a statement which I took very personal and for him to be a customer representative on the company behalf it was very unprofessional. He stated that, " people like you need to pay your bills '', and " we all know what its call for people like you that do n't want to pay your bills '' as I can recall this " section 1692D '' ( 2 ) prohibits the use of obscene, profane, or abusive language. Abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets. Which I took very personal and offensive. 
It 's nothing wrong with being contacted regarding a debt you owe. But to be so rude, I ask numerous of time, are you sure this phone call is being recorded. There should be a recording of this I would like to formely file a complaint against this person because he has no right to express his personal opinions and to be make racial remarks stating " YOU PEOPLE '' totally unfair in my opinion.
Product: Checking or savings account

EVERY other week, for over a year now ( some ) " bank '', H & R Block owns and operates, despite their claims to the contrary ... is used for their " Emerald Card '' deposits. I've had an account for direct deposit with em since 2018. 

Three years, I've been a customer and for the last year and half of it, they have been putting a freeze on it ... ( every ) deposit, received ... EVERY TIME! Up til recently, I've been able to get them to unlock it, through nothing short of hair tearing phone conversations, to whatever country their accents are from?? 

Last deposit, 2 weeks ago, they straight up said " no '' ... when I told em to unlock it, again ... for the umpteenth time! Cause it ain't just once that they do it! I've been in line at the store, bunch of groceries and it'll just get declined ... with plenty to cover the bill! 

They ( keep ) doing this to me, and now it's my unemployment money ... and they KNOW IT. They're killing me, to keep it for themselves! 

I tried the people at, " Fair Shake '' ..they said the same XXXX as this site. You'll send em a letter and hope they respond to it. 

If this were a shoplifter, they'd already be full of holes by now! Steal people 's pension or unemployment though..and then we can just " hope '' they give it to back!?? 

Please ... ( HELP ) ... with something other then a useless letter! I'll be dead, long before it even gets tossed, into their waste basket..and I'm pretty sure they're aware of that fact!
Product: Debt collection

I checked my credit report and noticed that a new count was added to my profile from IC Systems which took over account supposedily from XXXX. The XXXX account was completely closed last year sometime around XXXX 2023. XXXX pre bills customers a month in advance without services being rendered. This should be totally illegal. 

Account has been closed over XXXX and 3 months and now IC Systems XXXX trying to collect {$140.00} when I am trying to get a HELOC. 

I would like this account removed from my credit report. 

If you look at my credit report, XXXX XXXX XXXX did the same thing to me & a place called XXXX XXXX did the same thing for {$200.00}. At & t pre bills their customers in advance without services being rendered. 

I am totally tired of dealing with company 's that wrongfully bill customers.
Product: Credit reporting or other personal consumer reports

Regarding inquiries, please see attachment below. Kindly remove all inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, These are XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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: Debt collection

They claim to hold a debt I have with XXXX XXXX XXXX. I informed them that I 'm not working a permanent job, but when I have the money I will pay. They call repeatedly and when I answer they hang up. Per my caller ID they have called : Week 1 XXXX/XXXX/16 at XXXX, XXXX, XXXX XXXX/XXXX/16 at. XXXX, XXXX XXXX/XXXX/16 at XXXX, XXXX Week 2 XXXX/XXXX/16 at XXXX, XXXX, XXXX They call from XXXX different numbers : XXXX and XXXX This causes me to get XXXX, I feel like I 'm being badgered and bullied. I 've paid over {$5000.00} in debt this year alone that my estranged husband left in my name when he walked out on me. I 'm working really hard to rebuild my credit. I want to pay them, and I will. It 's just not fair to harass me, I 'm already under a lot of XXXX. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and some wrong information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX XXXX  XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your TransUnion credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount TransUnion claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX  i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.
Product: Credit reporting or other personal consumer reports

Im 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On the XXXX of every month I receive my pension. On that same day, I pay all of my bills. Within days, most of my obligations are processed and cleared. The company/ bank Im having issues with is Comenity. Comenity covers XXXX XXXX, XXXX, XXXX and other companies. For example, the XXXX XXXX was sent out on the XXXX of XXXX, however has not been processed. Last month my XXXX XXXX and XXXX had not been processed ; concerned I called and their customer service advised if the checks had not been processed and cleared to place a stop payment. Further, the payments not received by the due date, I would be charged late fees. The customer service rep also blamed late payments are the fault of the United States Postal Service. I had problems with Comenity XXXX XXXX, paid off that account and closed it due to their slow processing, specifically processing payments after the due date, then charging the consumer late fees. I spoke to another customer service rep who admitted that she was in a meeting which addressed their internal problems of how to process payments faster. In the meantime, Comenity is unfairly charging late fees to customers based on their failure to process payments in a timely manner. Note, even if the payment is mailed on time, Comenity processes after the due date and charges the customer late fees .....
Product: Credit reporting or other personal consumer reports

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 I have never set foot in the dealer that caused these inquiries and they are all fraudulent because of identity theft and taking unauthorized action against my will.
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 issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair amd request an investigation into my account transactions.
Product: Credit card

Recently, I had a credit card hacked and started a Wells Fargo claim # XXXX and used by a merchant that resulted in a case with the CPFC # XXXX. After several months, the Wells Fargo claim was completed and refunded to my account. At this time, I cancelled the existing Wells Fargo XXXX # XXXX XXXX XXXX XXXX and I asked for a new credit card number. 

Wells Fargo issued a new credit card # XXXX and they gave it to every merchant before I got the new card in the mail. Wells Fargo gave every merchant and contact the new credit card and 3-digit security card. How stupid is this? I am tired of seeing news updates of major corporations hacked and i can't protect myself from it.

# 1 I need another new credit card again with new numbers. I do not want Wells Fargo to share this new card information with anyone thru automatic account update services. I will share it with merchants, I will authorize who uses my credit cards, not Wells Fargo. I can not believe how stupid this is.

# 2 Please have Wells Fargo Opt Me Out of Visa Account Updater immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Credit score was lowered from XXXX to XXXX for no change in report and remained low for 5 months. 

2. They have failed to properly investigate dispute on my credit report from XXXX XXXX. XXXX XXXX failed to respond to debt validation letter sent by certified mail. Letter was sent to XXXX in XX/XX/2019- no response to date. 
Ive disputed this debt with Equifax and XXXX, most recently in XX/XX/2019.