23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Of course, here 's a combined version that includes both the extended information about various businesses and the edits you requested : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I'd like to bring to your attention a recurring issue I've encountered with multiple businesses, including XXXX Bank, BridgeCrest, XXXX, and XXXX. These businesses all process payments via XXXX direct debit, using my bank accounts at XXXX, XXXX, and XXXX XXXX. 

The common problem I've experienced with these businesses is as follows : I am initially alerted that the payment has been received successfully. However, I never receive any notification when a subsequent payment is returned due to insufficient funds. Strangely, when these businesses attempt the payment again, it often goes through successfully, even though there have been no changes to my account balance. It appears that there were sufficient funds all along. 

Curiously, neither my banks nor the businesses in question alert me or document the return or retry payment. This lack of communication goes unnoticed, resulting in fees being charged. Due to delays in billing and a lack of timely notifications, I was unable to verify whether the NSF ( Non-Sufficient Funds ) return was indeed valid. 

This recurring issue has had a significant impact on my financial situation, and I believe it's crucial to address and rectify these problems with multiple businesses. 

I'd also like to inquire about the appropriate steps and authorities to report these issues to, as I am seeking assistance in resolving this matter and preventing such incidents from occurring in the future. Your guidance and support would be greatly appreciated. 

Bridgecrest has reported late payments on months that a had deferment agreement and on months were a loan payoff was being processed. My account was left as late and the last payment is undocumented. Marking closed and paid still leaves this account negatively closed and dose not explain that I satisfied the loan. I understand that months late will stay on my record but there are more then half that should not be marked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the company several times and disputed with the bureau.
Product: Checking or savings account

Before the month end XXXX of XXXX, our company had issued 5 checks to various vendors. We mailed the checks by dropping them into a blue mailbox at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During the XXXX week of XXXX, we started to receive calls from our vendors who did not receive their checks. Upon checking, checks intended for them were cleared and deposited to someone else 's account. We submitted a complaint to our Bank, US Bank. We received documents we needed to fill up from US Bank and returned the completed forms to them in a timely manner. I have made several follow ups with the Bank but no answers or resolutions. The amounts of each check are the following : Check 1 - {$7700.00} - Tampered check -changed payee name on check Check 2 - {$12000.00} - Tampered check - changed payee name on check Check 3 - {$11000.00} - Tampered Check - Changed payee name on check Check 4 - {$2200.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account.

Check 5 - {$14000.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account of person who endorsed it fraudalently.

Total amount of fraud amounts to {$48000.00}. It has been 4 months with no action by US Bank. We submitted our complaint to XXXX and our fraud case number is XXXX. We mailed the original from to XXXX check claims, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Credit card

Citi Bank /Home depot credit card Charged a late fee multiple times when the due date fell on a Sunday, and the payment was received the next available business day. This is a violation of the fair and accurate credit collection act, and they have refused to correct the illegal action they have done by claiming payments can be made in stores 7 day a week. I believe Citi Bank has done this to many others, and make regular practice of being unfair and deceptive to consumers
Product: Checking or savings account

Overdraft Line Of Credit Transfer Fee - {$12.00} Service Charge I have an overdraft line of credit with Citizens Bank in RI. They charge me 21 % interest on this line of credit. On top of that, they charge me {$12.00} each time they cover my overdraft. Please see above for an example of these charges that I see all too frequently on my Citizens Bank statements. It was my understanding that the CFPB passed legislation recently to stop this consumer abuse.
Product: Credit reporting or other personal consumer reports

My student loans were transferred from XXXX XXXX to XXXX back in 2016 but somehow AidVantage reported my account information on my credit report. I had never heard of them, nor did I ever send them any money or information. My student loans are now gone. I owe XXXX. I have tried to dispute them being on my credit report twice in the last few months to no avail. I have called AidVantage numerous times trying to get them to take their company off my report and no one knows how to do anything. The only reason I found out that they were there is when I went to take out a loan the bank asked me about them and the {$27000.00} that they have on my report. She had to lie to the underwriter and say that I was making payments to a company that I did not even know was there in order to get a loan. I do not understand why I can not get this off. I find it disgusting and irresponsible of a GOVERNMENT STUDENT LOAN company to treat a person in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on XXXX that dont belong to me. The accounts are listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Debt collection

I received a call at my work place today XX/XX/XXXX from XXXX XXXX XXXX ref # XXXX. They stated that I took a loan out with Ace Cash Express on XX/XX/XXXX. They did not tell me the amount. I have had to previously dispute a payday loan with Rise. I had to file a claim of fraud and send it to them to dissolve the issue. This is the first notice I have had of any debt owed to Ace Cash Express. I was then called by XXXX by XXXX who threatened to come to my work to serve me with court papers. I have not taken out a payday loan in over 10 years. They did not care that this was not taken out by me. I was told that I either had to pay the debt or they were taking me to court. I informed them that I was filing a complaint with CFPB and the FTC.
Product: Vehicle loan or lease

Vehicle was repossessed on XX/XX/2019 for disputed payments. After several unsuccessful attempts to reach company was finally provided a fax number to submit my payment history. I was notified via letter that property would be sold on XX/XX/2019. On XX/XX/2019 I submitted payment history evidence noting omitted and inaccurate payment history. I requested return of my vehicle and have not met with a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on Equifax, XXXX, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized Accounts and inaccurate inquiries on my credit file. The following accounts and inquiries were placed on my credit file. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against Equifax, XXXX, and XXXX for placing false inquiries & Accounts on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of all the inquiries and accounts this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused XXXX XXXX and more symptoms to my physical body and my XXXX XXXX. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my XXXX XXXX. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. Inaccurate Account information
Product: Student loan

On XX/XX/2025, Mohela placed my loans in repayment status for a XX/XX/XXXX due date. I scheduled an auto payment schedule to start in XXXX, so as to reduce my interest rate by XXXXXXXX XXXX. On XX/XX/2025, I received a notice that my loans were being placed back into XXXX and my auto payment plan was not approved until XX/XX/XXXX. Upon seeing the XXXX notification, I canceled my XXXX XXXX plan, so that funds wouldn't be taken from my checking account when no payment was due. Once I canceled the automatic payments, my account started displaying a XX/XX/XXXX payment due in the amount of {$290.00}. I sent a message to Mohela to clarify the situation right away on XX/XX/XXXX, and I noticed that interest continued to accumulate from XX/XX/XXXX through XX/XX/XXXX, despite the forbearance notice 's stating that 0 % interest would apply to all loans until further notice. I sent an additional message regarding the interest accumulation on XX/XX/XXXX, and Mohela has not responded to either of my messages up to this point. As the XXXX due date is close approaching, I need to know the status of my loans ( which should be in XXXX with 0 % interest retro to XX/XX/XXXX ), and the customer service response from Mohela HAS to improve. At this point, I feel that I am being taken advantage of at every turn with my student loans and feel as though the interest is being incorrectly aggregated.
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 the months that I was 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.
Product: Consumer Loan

NMAC financed an auto-loan XXXX XXXX, 2015. While signing, the dealership switched cars ( " switcheroo '' ) giving us a similar looking vehicle lower value. The Federal Price Label ( " sticker '' ) of the the car we test drove was {$20000.00}. The sticker of the car delivered is {$17000.00}, leaving a disparity of {$2900.00}. I am in communication NMAC in an effort to recover the difference from the dealership, who has admitted to " overcharging '' {$1200.00} but refuses to refund any money until I sign a waiver not to sue. The loan was financed at 12.14 %, which is higher than the 5 % promised with our {$2500.00} down-payment. NMAC informed me that I could have negotiated on that interest rate and that dealerships add to the rate for a " kickback. '' At this point I am seeking to discover the nature the loan application as the dealership used personal identities, i.e. ; name, social security number, date of birth, etc. to intentionally misrepresent the amount of the loan. I am in the process of refinancing the car with my credit union with an offer to borrow {$15000.00} ( XXXX % loan-to-value ) at 5.4 % ( $ XXXX/mo. vs. $ XXXX/mo. ) The pay-off amount of the car is {$17000.00} leaving a difference of {$2400.00} ( down-payment amount of which dealership is holding {$1200.00} ) which I have to secure personal loan to finalize. I cancelled the addendum Ext. Warranty and GAP insurance policies ( of which the dealership never submitted the contracts to third-party providers ) in an effort to lower the principal for refinance. NMAC declined to share any responsibility as they dictate dealership policy even though when a felonious act is reported and they are collecting interest on the " unlawful '' debt, they to are benefiting. I am currently drafting a letter to request the specific details surrounding the submission of my ( and my wife 's ) personal information upon which approval was granted. All of this effort ( filing complaints ) is my arbitration process as my family is on a strict budget and at this rate can not sustain any over-age, especially that which is created by a abusive predatory loan. I was an unsophisticated buyer who acted in good-faith ( {$2500.00} down-payment ) who purchased a bad-faith " pig in a polk. '' That is to say that I have to take every avenue before consulting an attorney at upward $ XXXX/hr.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted CITICARDS XXXX and the credit bureaus multiple times about this fraudulent account Opened XXXX XXXX, 2015 with a Balance of {$6000.00}. Other than been fraudulent, the bank is still reporting a balance of {$6000.00} after they charge off the account years ago. The way they are repotting this balance is raising my credit utilization. This double error has prevent me from getting necessary financing for my family.
Product: Money transfer, virtual currency, or money service

I had a friend wire me XXXX, but she sent XXXX transactions of XXXX each. 
HSBC put a hold on these funds and block my acct. 
I have repeatedly tried to find out why, what is going on. I have answered their questions regarding this transaction. 
They only tell me they are investigating and this will take 60 to 90 days, after they told me the funds were released. 
I have filed a complaint w/you about this and you closed my case. 
HSBC wrote a bogus response which none of it was true. They never credited my account. And now the entire XXXX XXXX  is missing. HSBC claimed they returned it to the sender on XX/XX/XXXX, it has not been recieved as of today. They will not give me a reference number. 
My previous case number w/CFPB is COMPLAINT ID XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal 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 navy federal 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: Debt collection

this is not my account. I have no knowledge of this account. 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute to TransUnion for a revolving credit account " XXXX Credit Card ''. The dispute was in regards to an incorrect balance. Its showed a balance of XXXX when the balance was actually XXXX. The investigation was quick and completed on XX/XX/XXXX. The details of the investigation was that they deleted the ENTIRE revolving credit account from my file. This was NOT the request I wanted. I only was disputing the account balance. This account should have stayed on my credit file. 
So I called TransUnion, spoke with multiple Supervisors, and they said the reason the account was deleted because I was an authorized user on the account. No one informed me this and there was no documentation to explain this to me should I dispute an account Im a authorized user. ( That is my first issue ) So they explained that I needed to contact my creditor, XXXX XXXX and have them re-insert showing that I'm still on the account as an authorized user. I call XXXX, spoke with several supervisors and they told me that they can not reinsert this information because TransUnion policy accepts only co-signers on Credit cards. They gave me letterhead letter stating that I never was removed from this account and to provide this to TransUnion. 
So I called TransUnion again, spoke to multiple supervisors and indeed I learned that due to their policy they can not receive documentation from XXXX and add back my credit information to my file because XXXX considered an authorized user and not a co-signer. XXXX does not provide such service to be a co-signer, only an authorized user. 

TransUnion own comments : This is a learning moment, never dispute an account that your an authorized user because once you do you NEVER will be able to have it reported again. 

I find it astonishing that TransUnion never told me their policy ( dispute a account that your an authorized user, it gets entirely deleted from credit file ) and that I can NEVER report this account again. 


SO long story Short : 1. Disputed a balance on a authorized user credit account to TransUnion 2. After investigation they removed the entire account ( Not explaining their rules ) 3. Called TransUnion and they said have your Creditor XXXX XXXX XXXX reinsert my account status through their own channels. 
4. Called XXXX, they cant reinsert my account status due to TransUnion policy -they don't accept authorized user, only co-signers XXXX which XXXX doent provide ) 5. They gave me letterhead docs to prove account status hasn't change on my creditor side.

6. Called TransUnion back, they told me they can not accept this because Im not a co-signer .... Sorry your cant fix this.
Product: Student loan

XXXX XXXX XXXX was the company that I paid {$490.00} to, to help me forgive my student loans to a XXXX balance. They consolidated my loans and promised to submit my income every year to Nelnet but I have not been able to reach them at all. There number is disconnected and their email is no longer able to receive email. Phone XXXX was the number I have and the other name for the company is XXXX XXXX XXXX XXXX. Please help I want my XXXX back! They collected 3 payments of XXXX on XX/XX/18, XX/XX/18 and XX/XX/18. Account number I believe is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$48000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I am requesting assistance from Prosper in reversing the charging off of my loan. I was actived for military duty from XXXX to XXXX and was in a remote area with limited ability to make phone calls due to my XXXX XXXX and the fact that I was in a XXXX XXXX XXXX 

I emailed Prosper to let them know that I was on XXXX XXXX and to request to update my payment method via email since I had limited ability to call. They declined and insisted that I call. After returning from XXXX XXXX, I called to inquire about my account and was informed that my loan was charged off in XXXX. Despite me informing them I was XXXX and that email was the best way to get in contact with me, I received no notifications about my account being charged off via email. During the call after my XXXX when I found out about the situation, I requested that they reverse the charge off and they refused. I appreciate any help that the CFPB or Prosper can provide in reversing the charge off and letting me to resume payments. My military XXXX caused a number of hardships for me and now I have to worry about a charge off on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.