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

I attempted to call Eppicard two times today to do a transfer of funds and check my transactions. My transactions do not seem correct so I go through prompts to get an agent. They read a disclaimer about system updates and hang up in your face. The second I tried to speak and he disconnected the call and they charged a fee for the call. This is fraud. They are not even letting people speak or talk whether you are reporting fraud or checking charges. So I now have people or a vendor pulling funds and no one to speak with. Its so disrespectful not to mention negligent to perform this way. My funds are for my child not the call center or its subsidiaries. I have contacted DHS and the AG office in regards to this matter. This is not my first issue but it is set up to fraudulently take peoples money.
Product: Payday loan, title loan, or personal loan

I was only supposed to pay {$400.00}. I was charged {$400.00} TWICE. Two {$400.00} charged for Speedy were marked as posted today, XX/XX/XXXX, dated yesterday, XX/XX/XXXX. 

I called Speedy yesterday, XX/XX/XXXX, when the charges were still " pending. '' They were very unhelpful and said they would need a 30 day official bank statement showing the charges before they would refund one of them. The official 30 day statement doesn't come to me until after XXXX and that is an unacceptable amount of time to be out of {$400.00}. I called again today and emailed 30 days worth of activity, with the duplicate payments, and was again told I would need the official, because the print out didn't have my full name. 

I called my bank, XXXX XXXX, multiple times as well, and, though they were pretty unhelpful, after trying many times and asking for a supervisor, I finally got someone who was very helpful and says he is going to get one of those charges reversed.
Product: Student loan

I tried to apply for forebearance online but I got an error message! And I asked them if I can write a letter of forebearance. They refused. And I requested an advisor. They still refused! They are stubborn and narrow mined. They told me to call and do the forebearance form online at the same time. I cant do that because I am XXXX! I told them many times that I am deaf but they ignored that : its disrespectful! My printer isnt working well. I cant print the form!
Product: Checking or savings account

I didn't have a bank account of my own and had XXXX  XXXX XXXX XXXX weeks worth of payments into my son 's account. Chase Bank closed the account without notifying my son and locked his money as well as mine. They refused to allow me to go to a local bank and show them my ID and open my own account or release the funds. They claimed they couldn't verify my identity and made me go get a contract cellphone to be able to verify my identity through credit reporting and XXXX. I did all of this and my identity was verified through XXXX and then they said they can't verify my identity that way over two months later. XXXX  told me to have them return the funds to them and they would put them in my newly opened bank account and they refuse to do that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -Experian XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with Experian so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to Experian that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX  situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.
Product: Debt collection

I am not liable for this debt with credit acceptance corpor I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no such proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

On XX/XX/year> XXXX am I attempted to deposit money on XXXX XXXX through atm located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXL XXXX XXXX XXXX XXXX XXXXXXXX The deposit total was {$1800.00} The ATM said XXXX bills were Invalid {$100.00} dollar bills Only gave me back XXXX {$100.00} bill So the ATM took XXXX of my {$100.00} bills and kept it didnt even count it towards my positive balance in the account The personnel inside the bank was no help And now have to file a virtual claim which makes no sense as the customer service and support is not inside the bank where we deposited our money at
Product: Credit reporting or other personal consumer reports

I mailed a certified letter to transunion requesting that they remove a debt from my credit report on XX/XX/year> due to the debt being reported in the amount of {$660.00} for grain technology being a result of identity theft. I also submitted an identity theft report to submit my claim for the charges being reported on my file. Transunion failed to complete an in depth investigation, responding less than a week later stating that they were not going to remove the debt and it wasnt a result of identity theft. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.I strongly believe that I did not receive a reasonable investigation As per XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ), Transunion is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX XXXX. Furthermore, under XXXX XXXX. 
XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Debt collection

Anonymous person called me at XXXX on XX/XX/XXXX claiming to be a collection service for Check into Cash claiming I owe {$850.00} for a debt that went into collection in XXXX. I have never received a loan from Check into Cash. I also called the corporate office for Check into Cash to verify that I owed them money and they didn't find an open loan associated with my social security number.
Product: Checking or savings account

On XX/XX/23 I made a deposit in the amount of {$1300.00} to get the atm at my bank PNC on the corner of XXXX  and XXXX in XXXX Arizona. 
I fed the dollars into the machine and it proceeded to count it. Without processing my transaction it rejected {$100.00} dollars then returned my card without a receipt or visual explanation as to what happened to the remainder of my money. 
I went inside and spoke to the teller about the issue and the money was returned to my account within three days. 
As of XX/XX/23 the money was deducted from my account and when I spoke with someone about the matter I was told the atm was not found to have extra cash in it. Video from the day in question should prove I put the money in but I was given no further explanation as to why my claim was Denied.
Product: Student loan

I attended XXXX XXXX XXXX from XXXX to XXXX. Due to the amount I was paying in interest only payments to be able to avoid negative impact to my credit and my co signers credit, I was forced to filed bankruptcy in XXXX. When I filed, Navient incorrectly told me my loans were ineligible for discharge. 
Based on the recent court ruling made public on XX/XX/XXXX against Navient in the case against the CFPB it outlines that Navient should not have told me my private loans were not dischargeable. As a result, I should at minimum, have been refunded payments made on these private loans since XXXX. Navient needs to do the right thing and refund the money I paid since XXXX when these fraudulent loans went into repayment status. It is not enough that the loans were XXXX. I am suffering from irreparable damage from years of paying over {$500.00} per month in XXXX only, jut to avoid negative reporting to my co signers credit. 

Additionally, Navient mislead me about the terms and conditions of releasing my co signer on my private loans while they were in repayment. 

Navient attempted to cover up years of deceitful practices by discharging the loans under their school misconduct program but not refunding the money they erroneously took from me for XXXX years.
Product: Debt or credit management

I received a letter from a debt collection agency regarding a XXXX XXXX bill for charges between XXXX, XXXX and XX/XX/year>. I did not have a XXXX account during that time. the letter was or any bill was not provided on any customer letterhead, the account number was not an account number that I ever had and there was no email provided just a phone number. When I spoke to the rep he insisted I did have this account and when i tried to respond he would not let me speak and seemed to end the call. 

The company that contacted me was Penn Credit Corp XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX
Product: Credit reporting

After reviewing my credit report, I noticed a bankruptcy and a judgment was on my credit report after speaking with the court they do not report to the credit bureau, they are receiving this from a XXXX party therefor should be deleted
Product: Bank account or service

I had my Bank of America XXXX card denied at XXXX websites. 
So I tried to call BOA 's card services number on my card. 
I have done this before and contacted an agent in minutes. 
For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. 
No info on denied transactions. Option to talks online. 
given a code and number to call to enter code to get online. 
Call number and no option to enter code or talk online. 
Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. 
Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX Florida to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 o 4 a section 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a 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.

Please correct or remove the following payment history ( s ) to either paid on time or delete the entire account from my consumer report without reentry XXXX Correct as Paid on time or remove from report XXXX Account is being reported as 0 % paid, This is a big error that is being reported, I had this account since XX/XX/2022, Account has been paid on time monthly. Please remove from consumer report. 

XXXX I do not own or have any knowledge of this account- Pleasr remove from my consumer report XXXX do not own or have any knowledge of this account- Pleasr remove from my consumer report
Product: Debt collection

My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX. 

I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do? 

All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.
Product: Debt collection

On XXXX received a letter from Municipal Collection Services XXXX ( XXXX XXXX XXXX ) regarding a debt supposedly owed to the " XXXX XXXX  XXXX ''. I sent them an email on XXXX requesting they provide any evidence of this debt existing, what it was for, etc. They have refused to respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( BANKRUPTCY -DOCKET NO : XXXX  ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT Hello, I am new XXXX XXXX XXXX XXXX XXXX XXXX in the United States. As I am currently applying for a job, I applied for a checking account in Capital One Bank and this was later on closed. I opened a deposit account in XXXX XXXX XXXX on the XXXX of XX/XX/2022 and it was also closed. The reason given : " based in whole or in part on information obtained from the consumer reporting agencies '', XXXX XXXX XXXX XXXX XXXX. and XXXX, I have a deposit account score of XXXX. 
On the contrary, I have no deposit account history in the United States. 
Therefore someone should be using my identity in the USA. 
I am calling for an immediate investigation into this matter. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debit from XXXX XXXX for {$710.00}. I have disputed this on all 3 credit bureaus and asked that the company provide validation of the debt within 10 business days and if they can not they need to remove the debt. They have not provided me with any proof of the debt. Additionally, I request the assignment contract that was purchased from the creditor. I am entitled to all information that exposes my name and SSN and proof of my physical signature. I am not liable for fraudulent digital signatures that can be done online.