23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On Friday XXXX XXXX at approximately XXXX, I deposited a certified check for {$1500.00} into my account at my local branch of US Bank. The bulk of the funds were to be transferred via XXXX XXXX XXXX for a 'mystery shopping ' survey. I would not transfer the funds until my bank made them available to me, so I checked my account balance online every XXXX minutes to an hour. The funds showed on my app as being deposited, but not yet available. The app shows both balance and available balance. When I woke up Saturday morning, my available balance equaled my balance. Saturday morning, XXXX XXXX, I transferred {$1200.00} through XXXX XXXX XXXX as instructed. On Tuesday, XXXX XXXX, I was unable to check my account online, so I called US Bank and told my account had been put on hold because it was overdrawn. After being transferred to fraud prevention, I was told the certified check had been flagged on Monday and the funds put on hold for seven business days. I intentionally waited for the funds to show as 'available ' before transferring them as I was worried about just this situation occurring. In showing those funds as 'available ' when they were in fact not, my bank directly lied to me and is wholly responsible for this over draw with their deceptive practices. I ask they be penalized for fraudulently using the words 'available balance ' when I have learned that that was not the balance available.
Product: Student loan

My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms.
Product: Credit reporting or other personal consumer reports

These were fraudulent inquiries on my account. I advised Experian that my ex continues to use my information to get things in my name. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Product: Credit card

I scheduled a payment to be taken from my bank account on the XXXX XXXX, 2025. The payment wasn't taken until the XXXX. It later showed as " Posted '' on the XXXX XXXX. However, whilst it reduced the balance displayed on their website, it did not increase the available credit until 7 days later. When talking to Comenity, they told me that it takes 7-10 days for a payment to be " fully posted ''. This status is not visible to customers. They were unable to tell me why they delay " fully '' crediting payments that they have received.
Product: Debt collection

On XX/XX/2023, I received a notification that my credit score dropped. I immediately checked XXXX and there was a collection of {$150.00}. From some agency by CCS. As I had no idea who they were, I disputed the amount with XXXX and XXXX took it off of my credit. However, I went to XXXX and XXXX XXXX and that same charge was still listed on my credit report, even after submitting a request for this to be removed from my credit it still shows. I was never sent any documentation informing me the reasoning behind this collection or even what this collection was. This dramatically dropped my score, which is completely unfair as I was never even made aware of this collection. Upon reviewing my credit report, I noticed the aforementioned collection account, and I would like to highlight that I have no knowledge of this debt or any business dealings with the alleged creditor. It is crucial for the sake of accuracy and fairness that this dispute be resolved in a timely and appropriate manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit XXXX XXXX XXXXXXXX to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$6700.00} XXXX XXXX XXXX MO XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

My student loans were transferred from Nelnet to XXXX in XXXX of XXXX. A year later, the nelnet accounts are still showing as open on my credit reports resulting in double the amount of loans on my report than I truly have. I have emailed nelnet to get this resolved with no response to them. I filed a dispute with XXXX  regarding the loans on XX/XX/XXXX. However, the disputes were closed on XX/XX/XXXX and the loans left open on my credit report. Nelnet has had a year to make this right and they have not. This negatively affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX {$9000.00} XX/XX/2019 XXXX
Product: Mortgage

I requested to pay my mortgage bill via XXXX  XXXX XXXX XXXX banking bill payment system for {$4100.00} to Citizens. XX/XX/XXXX Citizens returned this payment back to XXXX  XXXX XXXX. But this amount was not credited back to my account. Myself and XXXX  XXXX XXXX tried to resolve this with Citizens Mortgage, but they did not give us any information nor did they try to help us resolve this issue. From XX/XX/XXXX till XX/XX/XXXX, I have made several calls to both Citizens and XXXX  XXXX XXXX and been bouncing back and forth with no resolutions. None of these companies takes ownership of who has the funds to release these to my account. On XX/XX/XXXX, I spend another 2 hours between XXXX  XXXX XXXX deposit department and Bill pay department and didnt make any progress. There were few a things that were learned in the banking jargon as I included a family member on these calls that is in banking. XXXX  XXXX XXXX uses a third party bill pay company XXXX XXXX XXXX XXXX ) Which is where funds were returned according to letter provided by Citizens. There was another transaction exactly the same payment to Citizens via bill pay in XX/XX/XXXX that was also returned and these funds were credited to my account without any issues. In XX/XX/XXXX, I finally received my missing payment from XXXX  XXXX XXXX in the amount of {$4100.00}. However they said it was not their fault that the payment went missing for so long. They said Citizens made no effort to resolve the issue and the damages and inconvenience cost should be recovered from Citizens. Citizens has been charging me heavy interest and late charges on my missing mortgage payments but when they lost such a large amount of mine, who would pay the penalties for that? 
See attached letters from both XXXX and Citizens showing XXXX  XXXX XXXX bill pay went out and also the confirmation that this was returned by Citizens. Having these large sums of funds missing for a single mother for 12 months is just ridiculous and needs the attention that this deserves to get a resolution. If you have any further questions, please contact me, XXXX XXXX, at my cell phone XXXX to get a resolution in a timely manner.
Product: Debt collection

I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and Gateway Financial trick customers into loans they can not afford and then repossess and that is how they make their money. XXXX and XXXX is who garnished my wages for Gateway. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
Product: Credit card

I paid my debt of months ago and asked for the account to be closed. 
# 1 I never received a card in the 1st place but that is fine I used it in the store.

# 2 The company apparently didn't close acct.

# 3 the company said they closed acct but they charged me interest and fees then because I didn't pay it more fees are tacked on.

# 4 I asked for it to be reviewed she said no matter what they will still and always charge me fees. I said you can't do that. She said you can never close this line of credit and will always have fees. I asked you mean for the rest of my life I will incur fees and interest? She said yes and I hung up. 
The name is XXXX XXXX and XXXX XXXX XXXX acct number ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to submit a dispute online with Equifax over 2 collections accounts. The website was not working properly, I then had went on to chat with a Cutomer Service Rep, XXXX XXXX, and explained over the chat about the 2 collections accounts that are incorrect and need to be removed. I saved the transcript from the conversation. They were unable to process the dispute request due to an issue with the website so I was told to call Consumer Services and they provided the phone number. I called and spoke to a woman that said she can file the disputes. I received an email confirmation that my dispute was received however I was only given numbers and no other information as to what the numbers associated with only a link to check the status. I clicked on the link and it brought me to Equifax webpage. I was unable to login, unable to view anything. I then continued to receive the same emails with all different confirmations numbers and links to check status and on every email it brings me to Equifax webpage where I am unable to log in and view so I have no knowledge of what the disputes are or staus. I then checked my credit report today XX/XX/XXXX because I had seen through my bank my score had changed and I also went on to XXXX XXXX and seen changes had been made to my Equifax report. I began to research what changes and seen my credit card with XXXX XXXXXXXX was disputed and closed, my loan with XXXX XXXX that I had just opened in XX/XX/XXXX was disputed and closed, several of my student loans with Department of Education were disputed and one that is in good standing that I had just opened with XXXX is being disputed and could possibly be closed which shouldnt be and was never authorized to be disputed is now going to mess up everything I have worked on for the past few years regarding my student loans, yet the 2 items, the only 2 items were collections items : XXXX XXXX  on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, those 2 items were the only ones I filed dispute and those 2 items are still under dispute however nothing done. I called Equifax immediately for them to correct their mistakes and they claim there is nothing they can do. They also say the disputes were done online, however I never filed anything online, I called. It wouldnt be the first time Equifax has destroyed a consumers credit and life by their wrong doing. I have had my identity stolen due to their incompetence and the past 10 years I have been steadily working on repairing the damage they have created all for it to happen again. This company/agency needs to be shut down, they have destroyed too many consumers lives with their incompetence and ignorance. I have documentation showing the transcript of the chat where it clearly shows what I wanted disputed, I also have all the emails with several different confirmation numbers that I cant access. I want this corrected immediately and want Equifax shut down so they cant continue to scam people and destroy peoples lives.
Product: Mortgage

MB financial has repeatedly, erroneously and continually escrows our insurance premium in explicit contradiction to our closing documents and agreements and are acknowledged by their letter dated XXXX XXXX, XXXX. Their records will reflect that we have always paid our insurance premiums separately from our mortgage. Between XXXX XXXX and today, MB financial has received, reviewed and corrected their error multiple times, only to revisit the problem again and again ; escrowing, returning and again encumbering our loan to MB financial 's fiduciary gain. This has additionally cost us valuable time and money. As such MB financial is in material breach of contract and unlawful fiduciary gain.
Product: Money transfer, virtual currency, or money service

My wife was trying to sell two cell phones and a scammer tricked her into sending them money ( she is naive and trusting ). We reported the scammer to our bank and Federal Trade Commission. Our bank says the funds can not be reversed.
Product: Credit reporting or other personal consumer reports

Experian investigated a dispute and corrected the balance but did not adjust my XXXX score accordingly. It is impossible to speak with a representative to have this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In response to my previous dispute, comenity bank/victoria secret have stated that they have sold all rights to the account to XXXX XXXX XXXX and that if I were to request documentation of the account I should refer to them ( see exhibit A ). Needless to say, how can XXXX XXXX XXXX, " verify '' this item of information to consumer reporting agencies ( exhibit B & C ) when they do NOT have access to the alleged information? Thus they are inaccurately reporting this unverifiable information to all consumer reporting agencies while violating section XXXX ( a ) ( XXXX ) ( A ). I demand that they remove this item from all consumer reporting agencies or they will face legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

This firm is trying to collect a debt from a payday loan which I have never obtained. Information provided in the letter states a place of employment that I have not worked for in over 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Improper reporting on my report never requested credit with these companies. 

XXXX XXXX  XXXX , XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/year> a payment of {$460.00} was paid by e-pay on a loan with a payoff of {$450.00}. XXXX Atlantic Union Bank. Approximately the first week of XXXX, I contacted Atlantic Union Bank and was told the payment was returned and the loan was not paid. I asked where the {$460.00} was returned to and why it was returned. After the money was withdrawn I had a balance of {$270.00}. No one could tell me why the payment was returned or why. I was given 4 different amounts for the payoff on the loanXXXX I agreed to pay {$16.00} more to solve the issue, I asked to pay this amount by phone and check card, I was informed the bank could not accept payment over the phone. I set it up on e-pay, it would take 7 days for the payment to process. 2 days after the payment processed I received a letter stating the account was overdue and I owed $ XXXXAtlantic Union has charged me late fees 2 or 3 times on a loan that was paid off XX/XX/year>. My question is WHY?
Product: Checking or savings account

Without my knowledge, my son applied online for a loan. As part of the application, he provided his checking PIN and his personal account information. A fraudster accessed his account using the information he provided in the application and printed a copy of a check that I had written to my son that he had previously cashed into his account. The fraudster altered the check #, check amount and check date and made multiple hand written falsified checks and then mobile deposited each altered check. My bank then cashed these checks. The checks exceeded my account balance and therefore should not have been cashed. Also, I reported the fraud within 24 hours.

To report the fraud I went to my local branch with printed copies of the fraudulent checks. The Branch VP helped file the claim and I was told it would take up to 30 days to get my money back. The fraud took place on XX/XX/22 and I reported it on XX/XX/22 and I still have not been reimbursed. 

I have contacted the bank three times during this period and each time I have been told that it is still under investigation. The bank has never reached out to me for follow-up questions. 

The check that was altered and cashed on XX/XX/22 was for the {$1700.00}. A second fraudulent check in the amount of {$780.00} was also cashed on XX/XX/22, however that one the bank reimbursed me on the day I reported the fraud.