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

I have a business account with Wells Fargo Acct # XXXX We deposited a tenant 's check on Thurs. XX/XX/2018 of {$5600.00}. 

Below details from Wells Fargo online : Deposit Details Deposit Summary Category Amount Checks ( 1 item ) {$5600.00} Deposited Items Checks Item # sorted in ascending order Banksorted in descending order Account # sorted in descending order Check # Amountsorted in descending order XXXX XXXX XXXX ... XXXX   XXXXCheck image {$5600.00} Total Checks {$5600.00} On the following day they showed the funds with a hold. I contacted them and they said the funds were insufficient and would hold till XX/XX/XXXX to see if they become available. 

Below is a link with a jpg from the check issuer 's bank showing the check was cleared in his bank on XX/XX/18. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If it did clear why do they hold the funds? 
And if not in the past the bank would try to redeposit the following day and if still uncollected would mail check back to us. 
So we could try to collect a new check. 
Now they say they say they hold 11 days to see if the funds become available. 
Yet we spoke to them yesterday the XX/XX/XXXX and after threatening to file this complaint they decided to waive the hold time of 11 days and made the funds available as of the original deposit date of the XX/XX/XXXX. I believe based on the proof sent to my tenant from XXXX XXXX   that they've had the funds all along and have this unlawful practice of withholding the funds. 
Lets say the funds were not good in 11 days why hold the check that long and give us less chance of obtaining a new check. 
This is the second time we've had this type of situation with Wells Fargo. 
With another business account if a check does not fund on a second try they debit the deposited amount and immediately return the check for collection. 

If you need to call me I can be reached at XXXX. 

Thanks, XXXX XXXX
Product: Mortgage

I was approved for Homeowners assistance program ( Haf ) for 18 months fwd pmts. XXXX pmt posted in XXXX with no problem and XXXX with no issue. XXXX XXXX was returned by bank and never resolved. Now I'm showing 1 month behind as each out that has posted since is covering the previous month for the missing XXXX XXXX. This is racking up late fees and hurting my credit. I have never been late on a pmt until haf. While I'm appreciative it's hurting me also. Then per guild mtg. My homeowners insurance tripled from XXXX to XXXX which increases my pmt XXXX per month. Haf covers XXXX I have to try to cover the rest but guild will not apply the haf pmt to my acct as it is seeing it as a partial payment. I've reached out to both haf and guild monthly since XXXX error. 
Thank you Haf app # XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Debt collection

On XXXX/XXXX/15 at XXXX pacific time. I received a call from an unknown number. Person left name, XXXX XXXX, stating that if I did n't call them back immediately legal action would be taken & I would be served papers. She left the file #. I returned the call at XXXX pacific time. I was transferred XXXX times. The first person was XXXX XXXX because, I recognized her voice from the voicemail msg. She then transferred me to someone named XXXX. XXXX said my name & asked if the last XXXX digits of my social were # # # #. As I was on hold, I XXXX this company 's name and saw the list of complaints from different consumers. 
When XXXX asked about my social, I replied, " I do n't know you tell me if that is correct. What is this debt about? I know my bills and I know who I need to pay. Can you tell me what is this regarding? '' XXXX replied : " So you do n't know your social? '' I said, " Ma'am, what is this debt about? Can you give me any information on who this debt is owed to? '' She said : " I ca n't give you any information because I need to verify that it is you who I am speaking to. '' I said, " I 'm not going to verify my social security number because, I do not owe any debt collector, and you will not even tell me what this about. '' She said : I am asking you for the last XXXX digits of your social security number. '' I said, " And I am telling you to verify the debt. What is this company that I apparently owe this debt to? '' She said, " So, you 're not going to give me the last XXXX digits of your social security number? '' I said, " I tell you what I will do, I am going to call the police. '' She said, " Fine. '' And she hung up the phone. If she was trying to verify if the person is actually me, why would she blurt out the last XXXX digits of someone 's social security number? Usually when asked to verify your social, a representative from a reputable financial institution will not repeat your information.
Product: Mortgage

An erroneous property tax refund check was sent to my Mortgage Servicer ( USBankCorp ) which was subsequently cashed on XXXX by USBankCorp and credited to my Escrow account on XXXX. A letter was sent to USBankCorp requesting repayment to the County of the erroneous refund on XXXX. As of XXXX, the bank has not responded to the request, despite receiving XXXX separate written requests, and has not remitted payment to my County 's tax department. This is the XXXX occasion in which my Mortgage Servicer has not responded in a timely fashion to a request for escrow servicing.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
Come with the receipts, or be quick to delete.
Product: Credit card or prepaid card

In XXXX I made a payment to my BP gas credit card to Synchrony Bank for my XX/XX/XXXX bill, they posted my payment to my all ready paid XXXX bill and charged me {$27.00} late fee and reported that I was all ways late to the credit reporting agency. ON top of that they canceled my membership to Sam 's club and canceled my sams club   credit card on or about XXXX XXXX! 
ON XX/XX/2019 they charged the me a membership fee of {$100.00} for a membership that they canceled! 
This is XXXX is due to my not payinf their clinet XXXX for the over {$15000.00} damaged almost casuing fires, that XXXX company XXXX XXXX XXXX XXXX did to my home!!!
Product: Credit card or prepaid card

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws
Product: Checking or savings account

XXXX  closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to XXXX  but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by XXXX  where refund was from, XXXX  XXXX XXXX whom bank check came from and navy federal whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I reached out to navy federal to retire the money that someone at there bank cashed but they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

I am financing a vehicle and I agreed to do an auto-pay so that the company charges my account the {$390.00} every month. 
I am in the market to buy a house and a credit specialist asked me, " Why I'm not making my car payments ''? 
My car company did not process certain payments and instead of contacting me about it, they just threw it on to my credit. 
Even though this is an error on their part, I was told that even if I pay the amounts that they did not process, they can not remove it from my credit.
Product: Credit card

I purchased a product from XXXX XXXX ( XXXX ) on XX/XX/year> for {$120.00}. 
Company said USPS delivered package to my house and left package on front steps. 
I never received product. 
I called XXXX and informed them I never received product. They refused to send a new product and would not refund my {$120.00}. They said it was not there problem. 
I contacted my Visa card company Comenity Bank. I disputed the charge They said they would not charge back the {$120.00}. Why I do not know I HAVE NOT RECEIVED THE PROUCT I ORDERED. The company is not reputable. The package was probably taken from my front steps. I live in a major city where porch pirates are found. 
I should not have to pay for somthing I never received. USPS never rang my bell o rleft a notification of delivery. 
Comenity bank has sent negative payment info to the credit reporting companies and charging me interest. on the {$120.00} now {$220.00}. I have closed the account I had an outstanding credit rating before this incident ( XXXX ) I now I am at XXXX. All because of this incident. It is totally unfair IT IS TOTALLY UNFAIR
Product: Mortgage

I believe that US Bank is charging excessive interest, in excess of what was agreed to, 3.95 %. I previously submitted a case XXXX. The Bank did respond but I am not in agreement. I do not believe that the CFPB reviewed my complaint nor the Bank 's response. The Bank response was signed by a person who did not give their full name nor their contact information. I had requested from the Attorney General 's office of the Commonwealth of Massachusetts a full accounting for all payments made against my mortgage from the beginning in XXXX. They provided to the AG only payments made in XXXX and XXXX. Using this information I prepared an XXXX spreadsheet accounting for payments of principal, interest and escrow. I calculated interest by taking the principal balance at the beginning of the month, multiplying it by XXXX and dividing by XXXX. I determined that the bank overcharged me by {$2400.00} in the year and XXXX quarter from XX/XX/XXXX and XX/XX/XXXX. I don't understand the XX/XX/XXXX transaction of {$1400.00} or the transaction of {$.00} on XX/XX/XXXX. I have attached the information from XXXX Bank showing my payment history for the period. Something is wrong. I insist that the Bank is cheating us and I want the CFPB to resolve this matter to my satisfaction.
Product: Debt collection

So I been trying to find an apartment out here in XXXX  and tried to apply for one on the XX/XX/XXXX and was told I owed a property which I dont understand why I owe the property any money I didnt break my lease or anything and on top of that they took my deposit find out they put that I owe XXXX from a property called XXXX XXXX and they reported on my credit Im currently homeless living from place to place because no one will rent to me because of it I called the property almost everyday and no one answers the phone I even called the collections department they went through Blakey-Witt & assoc. its a stressful situation Im not in XXXX   anymore to go up there and talk
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Product: Credit card

On XX/XX/year>, I received a credit alert via email from XXXX stating that my credit card with Navy Federal was closed. I called on XXXX separate occasions and requested a written letter or explanation and date due to needing to be properly notified. The account was not delinquent, and the payments were up to date. The customer service representative could not confirm whether a letter or paperless notification was given. I have been a loyal Navy Federal Credit Union customer for XXXX  years, and to have my account closed without written notice or an opportunity to rectify the issue may have seemed illegal
Product: Credit card

In XXXX, while booking family flights I was targeted with an offer from XXXX XXXX for an offer of the Citi XXXX credit card with a {$400.00} sign up bonus and XXXX bonus miles. The offer seemed great so we applied, got approved and then purchased our tickets. 

After getting the card, Citi changed offer to their in house offer to XXXX bonus miles and not honoring my original offer. 

Ive reached out and was told nothing could be done unless I sent them a mailer or flyer and that the website alone is not proof of an offer to me. This was an offer given at checkout which I took advantage of at that moment. Ive been repeatedly told I can do nothing and the application team has what it has without any flexibility to honor what was rightfully offered to me. 

They only offered a courtesy of XXXX XXXX  miles and are unwilling to offer me what I was offered upon checkout.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having significant funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are several recent hard inquiries on my credit report that were not made by me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want these address removed from my XXXX, Experian, and XXXX  credit reports immediately. 15.U.S.C-1602 unauthorized use. According to the FCRA, these unidentified and unauthorized items must be removed. 

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 would like to keep this personal information only XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit card

I bought my computer in XXXX. I opened a Best Buy store credit card in order to finance my purchase. I made regular payments on this credit card from XXXX - early XXXX. In XXXX of XXXX, I missed ONE payment - JUST ONE PAYMENT - due to my money being allocated to medical services. ( These medical services were far more necessary than my credit card payment. ) As a result, Citi Bank gave me a late fee. I paid the late fee and got my card up to date. 

However, Citi Bank has continued to charge me a late fee for EVERY PAYMENT since XX/XX/XXXX. I closed my account and agreed to their special payment plan - a situation that should have no more incurring fees, a lower interest rate, a NEW DUE DATE, and a lower monthly payment. I have a contract stating this. 

Citi Bank has not upheld their end of the agreement. They are continuing to publish my account as past due, they are continuing to hound me for payments DESPITE MY PAYMENT PLAN BEING ON AUTOPAY, and they continue to trash my credit through the credit bureaus by not informing them of my payment plan and maintaining that my card is past due. 

I have not missed a payment since the one in XX/XX/XXXX. I have full documentation of my payments as proof. 

I would like my account removed from their possession. They do not do ethical business and they do not respond to the letters that I have sent. I have tried contacting them through the secure message feature on their website more than once. As of now, they have actually removed that feature from my account, which also feels unethical. 

I am suffering on their account due to my trashed credit score being infinitely lower than it should be. Every other card and debt I have is being paid off in a timely manner and I do not live above my means. If this is not rectified one way or another, I will be seeking legal counsel. 

Thanks for your help.
Product: Credit reporting or other personal consumer reports

Citibank has someone elses information mixed with mine.
Product: Credit reporting or other personal consumer reports

There is 4 inquiry from this company XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And I also reached out to TransUnion and they sent a request for them to remove these from my credit report and we are still waiting after a month done went by
Product: Student loan

XXXX XXXX transfer of accounts to XXXX and then MOHELA has been, in short, a travesty. 

I started working in a PSLF-eligible job AFTER XX/XX/XXXX  ( prior to that I was with a private employer from mid XXXXXXXX  ). I kept paying all through the pandemic on my XXXX XXXX account even though it was in forbearance. 

Mohela says even though I had FOUR YEARS of prior public service from XXXX, only nine payments are credited which is not accurate as I had certification submitted by my prior employers. 

Now I'm stuck in forbearance XXXX again even though I timely re-certified for IDR. So, once again, even though I've now been working ( and paying ) for almost a year under another public service job, I'm getting XXXX  because they are not counting my payments as PSLF - they are just extending out my due dates and ASSESSING THE WRONG INTEREST RATES. Only three of my loans are at XXXX percent. The rest are XXXX and should be XXXX, but they've got them as XXXX too. 

No one will call me or message me or email me despite me trying constantly since XXXX and the last time I was on hold on the phone was three hours before I hung up.
Product: Checking or savings account

Check writer from Cathay Bank ( routing code XXXX ) who made electronic deposit to my account in person at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) on Friday XX/XX/2022 with status " Pending '' means fund is not available and in process. The fully funds available will be on Saturday XX/XX/2022 which was printed out on a XXXX XXXX receipt. The full funds were posted on my account on Saturday XX/XX/2022 through Tuesday XX/XX/XXXX, XXXXOn Wednesday XX/XX/2022, XXXX XXXX reversed the fund due to the check writer closing her account at Cathay Bank XXXX 

Now I lost {$4900.00} due to mishandling by Cathay Bank and XXXX XXXX bank. As a customer, I saw a posted available fund which means the deposit transaction has been completed and I released a good and service to the check writer. 

Now Cathay Bank allowed check writer to close her account as outstanding balance and deposit transaction are still in process with XXXX XXXX bank. 

In addition, XXXX XXXX said " Posted status '' means they are still processing deposit transactions which were never mentioned in the XXXX XXXX deposit agreement. Therefore, they just reversed the funds from my account due to account closed at Cathay Bank. 

As customers, we all will be victimized by bad check writers if they use this type of loophole to take advantage of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX, P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.
Product: Checking or savings account

i had fraud on my venmo account and when I resolved it venmo refuses to let me access my money
Product: Student loan

I recertified my income for Public Service Loan Forgiveness with MOHELA in XX/XX/XXXX. On XX/XX/XXXX, they told me that my form had been processed, but none of my payments for XXXX have been correctly certified as qualifying. On XX/XX/XXXX, MOHELA told me via message they would review and process a correction within 14 days and that they would notify me when the correction is completed. To date, they have done nothing.
Product: Credit card or prepaid card

Started calling on XX/XX/XXXX th about redeeming reward points for a retail gift card. 1st call they told me they can not redeem the points because i get my statements sent to a XXXX XXXX XXXX I would have to make the change to street address. I had them change the address and they told me it would take a day or so. 
2d call when I asked for {$100.00} gift card for XXXX. Agent said they can not give {$100.00} cards. I was looking at the rewards program and it clearly shows cards amount up to {$100.00}. They then said maybe I could get 2 cards for {$50.00}. I said OK, then they said they would have to get OK from supervisor and to call back the next day. 
Next day they asked for a PIN number in order to process the request. I do not have a PIN number. They told me I had to have one from the time i first got the card. 
I looked back at my statement sand never got a PIN number. 
3rd call I asked why the run around and what I needed to do to get the points redeemed. They told me how great they are and I was not getting the run around it was federal law that I had to have all these things to stop criminals activity in the US. 
?? Not sure where that came from. 
4th call we went through same process about the PIN number and they took my SS number as ID. Then said I had to have an original PIN number from the start up date, and to use the number I use to get cash back from the card. I have never gotten cash from a machine and do not want to. 
End result I do not understand the effort to not honor their program. I have paid my bill with them every month for many years and first time I want to use the rewards they balk. A XXXX dollars is not a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Product: Payday loan, title loan, or personal loan

Due to Covid 19 I have been unable to pay not only this loan but other bills such as mortgage light cable .It has not only been difficult but very depressing and hard to deal with.I am not asking for sympathy but empathy .For me to start building and growing again.
Product: Checking or savings account

I opened SoFi checking and saving account on XXXX XXXX, and transferred XXXX XXXX  From XXXX and XXXX XXXX  cash out from XXXX XXXX but on XXXX only XXXX after account open, they restricted my account and dont allow me to move in or move out funds in my account. I have call them immediately and after several phone call, they told me is because my fund from XXXX not showing XXXX XXXX as my name, instantly XXXX XXXX, this is my XXXX  name that I used many years and I have contacted XXXX to verify XXXX XXXX is XXXX XXXX in email and forwarded to SOFI. And now is one months after my account restricted, and I dont get any updates from SoFi , and their agent only told me that is still under review and can not give me any time frame, please help me! Currently fund in my SoFi account is XXXX