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

On XX/XX/XXXX I called the EPPICard number on the back of my card that Wisconsin issued me for my child support and the card kept saying my zip code was wrong so I got a hold of a lady in customer service and she said that the cards zip code was right and the card was active but when I went to go try it again, it said the same thing and was declined! I currently have no job and XXXX kids at home and all the money that I had to my name was on that card. I called them 4 times that day and every time I called them I was on hold for over a hour and each time they said nothing was wrong with the card! The next day I called them and asked them to fix it again and still nothing was fixed! The day after that I called and talked to a manager so  they said and they said that there was nothing they could do besides send me a new card and that it would be delivered at my house on Monday due to the virus and mail was slow ... Monday comes and no card! So I call them asking them to let me transfer my money to another account that I had and they told me that they can't do that and that there was no card ordered on that Thursday when that manager claimed he ordered me a new card so now I'm seriously upset and I'm broke and I have over {$14000.00} in my account that I can't touch and have to wait 2 more days now! I'm so sick of this debit card company, they make me sick on how rude and uneducated they act towards customers! Why can't I transfer money?!? It's my money!!! I feel like there playing games with my money and that's against the law! If my card does not come in on Wednesday, I will be getting a hold of the police and filing a report and getting a hold of a lawyer! This is so uncalled for and it's illegal to hold my money from me! I'm a single mom of XXXX and I need my money! I've had to beg and borrow from people just to feed my family and get them what they need and I hate doing that when I have money but I can't touch it! XXXX is in a few days and I have nothing for my kids! This card company should be ashamed of itself ... I'm calling my case worker and changing my deposit information to a different account! EPPICard is nothing but liars and thieves and something needs to be done with them! This is not fair and it's hurting families in more ways than one and I will take legal action if they do not stop it! I also have a voice recording of the last conversation that I had with them by the way, so I do have evidence to prove my case!
Product: Money transfer, virtual currency, or money service

I made a transfer of approximately {$40000.00} of the virtual currency Bitcoin Cash to Coinbase on XXXX XXXX, 2017. The transaction was confirmed at XXXX XXXX CST by the blockchain protocol, however, the funds were never credited by Coinbase. I made several attempts to find out the status of my funds, and why they were not being credited to me even though they were verified to have been received by Coinbase, and the only answer I get is " Your case has been escalated to the highest level and you will hear back from us shortly ''. 

It is now over a week later and still no response, I am still missing over {$40000.00} in funds, no minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hung up on me after I get connected with an agent more than once. I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$100000.00}
Product: Money transfer, virtual currency, or money service

Hello I bank with PNC Bank and on XXXX XX/XX/2018 my account was hacked by XXXX without my permission and they took {$1700.00} worth of charges on my account and they cashed out via Cash Advanced my issue is that my bank didn't let me know that there was 4 charges of {$490.00} deducted from my account can you help me with matter.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX regarding making payments on my lease account. I was informed that my account was incorrectly closed and that they would work to fix the error. I contacted XXXX again in XXXX of 2024 regarding this issue.
Product: Debt collection

Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do?
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern, I am responding to my account with XXXX credit card. During XX/XX/XXXX, while in XXXX, I applied for a credit card with XXXX credit. Due to my parents lost their jobs, with mounting XXXX debts, I had to discontinue my XXXX XXXX at XXXX XXXX University. I saw a military advertisement, if you enlist in the XXXX, they will pay all my college debts and give a bonus after you finish training. 

After two and one-half years in the military, I found out this was a fraud and a lie, by our government. To maintain a good relationship with XXXX XXXX, on XX/XX/XXXX, I sent a certified letter to Discover asking for a hardship payment plan for the {$550.00} balance on my credit card. Discover closed my account and continue to inflate my balance to {$1000.00} after making several payments. 

Discover never responded to my requested letter, while continuing to inflate my bill and running my credit. I am asking your help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank is reporting derogatory information onto my account. I am hereby asking Fifth Third Bank to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have made several attempts to the 3 credit reporting agencies along with CCB/ XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the CCBXXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX Account NumberXXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX  Account NumberXXXX 6. Validate Account XXXX XXXX Account NumberXXXX 7.Validate Account XXXX  Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account Number:XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Student loan

I have struggled to make my student loan payments for many years because I have not had a job that paid enough to make a student loan payment. I have talked to them about lowering the payments but every time they just defer it and that just added additional interest. For the past year I have made monthly payments, but over the year, nothing has been applied to principal, only interest and more interest has been added so that my original {$25000.00} now equals {$38000.00} with interest continuing to multiply. At the rate Navient is applying my payments this loan will never be paid off. They have been wanting over {$500.00} a month which is impossible to meet. I need some kind of help in getting my payments applied to principal instead of everything to interest and nothing to principal.
Product: Debt collection

At XXXX XXXX  on XX/XX/XXXX, I received a call from a person who refused to be helpful. I asked repeatedly whether this was an attempt to collect a debt and was told that the company ( Financial Corporation of America ) did not have to tell me that unless I verified my address and date of birth. 

The representative kept calling me sir ( I am a woman- and the person refused to stop calling me sir for a long time- I am very self conscious about my voice ). The representative also informed me that the company would not send any further mailers unless I gave them an address- then the person stated my XXXX daughter 's name. 

I believe this is a scam and told the person that I thought so and the person insisted on wanting to end the call while I asked to research the company online. A " supervisor '' came to the phone at my request and stated that another mailer would be sent. 

I do not know this company and do not know why they would be contacting me.
Product: Debt collection

I contacted AD ASTRA RECOVERY on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This account should be removed In accordance with the fair credit reporting act.
Product: Student loan

I spoke to Navient about my income driven repayment plan. I was told it expired in XX/XX/2018. I had just submitted an application in XX/XX/2018 and was approved. I could not understand why it was going to expire so soon. On Navients site it said to reapply on studentloans.gov. After logging on to www.studentloans.gov and finding the place where you apply for recertification for the plan, a notice was shown that i wasnt due to recertify until XX/XX/2018. I called Navient and the person i spoke to was a lady who was assigned number XXXX. She said my Income Driven Plan expired and i had to reapply. Today is XX/XX/2018. So i called studentloans.gov and i was told that Navient should have got my application that i completed in XX/XX/XXXX and that my plan was not expired. I once again called Navient and operator XXXX answered and told me that the info on Studentloans.gov page did not apply to my loan. This sounded utterly rediculous why would there be a reference to my loan to Navient on Studentloans.gov website if this did not apply to my loan. I have no other loans to Navient. I was told the info stated on studentloans.gov about me not having to reapply until XX/XX/2018 was a disclaimer. I dont know whats going on at Navient but i dont believe they are there to help me. They dont seem to know whats going on..or do they?
Product: Mortgage

Due to when I get paid and how much I get paid from my employer, I frequently have to pay the principal and interest portions of my mortgage payment separately. This is allowed by my lender, Associated Bank and I have been doing it for years. Frequently, when I do this, the teller who takes the escrow portion ( second payment of the month ) places the money in the incorrect account ( escrow or P and I ) or applies the wrong amount ( either too much or too little money in either P and I or escrow ). I have, over the years, contacted Associated Bank dozens of times in attempts to rectify this issue as, if the payment is not made and applied correctly, even through no fault of my own, I am ultimately responsible for the bank 's mistake as it is my credit that suffers for their mistake, not them. <P/>The XXXX 2017 mortgage payment was applied incorrectly by the teller, I was told, when I called this morning to check if the payment had been applied. I called my local loan officer, XXXX XXXX, for assistance. XXXX told me, during the course of our conversation that because I did n't make my entire mortgage payment at once, like other people do, there was nothing that could be done to help me, because my situation is so rare. <P/>Additionally, he stated that Associated Bank 's system for processing payments was not set up to accommodate multiple mortgage payments. So, here is a multi million, if not billion dollar bank that, in 2017 has a computer processing system so inept it can not process multiple mortgage payments on the same account. That makes no sense. This mortgage is my largest bill, by a longshot. I have tried the BBB, We Care at Associated Bank numerous times in attempts to resolve this issue. I am so frustrated and am at my wit 's end. I do n't know what else to do and am pleading for assistance. Make Associated Bank work with me so I can make allowable, on time payments, per their policy. Make them honor good faith lending practices. I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Equifax received my documents disputing several accounts and inquires on my credit report. Equifax failed to remove all of the accounts and inquiries in it's initial investigation into my dispute. I have sent Equifax documents notifying them of their default. I will attach all documents pertaining to this issue below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Checking or savings account

I've opened 3 disputes with my bank PCN, one of them was approved without any issues ( case XXXX XXXX ) but the other 2 claims XXXX and XXXX were denied without any reason. All 3 transactions are from the same merchant and same issue. 
The seller never sent the items. I sent to the bank all the requested information, sales receipt, my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection showed on my account through XXXX XXXX. I tried on multiple occasions to make an online dispute with Trans Union. On all three occasions, 2 from the same computer and 1 from a different computer, I got all the way to the end of the dispute form but was not allowed to submit it. I checked their form up and down and had left nothing out, clicked or unchecked but still the 'Submit ' button would not activate nor submit the report when I clicked it. 
The collection action had lowered my score by nearly 30 points. I  have no idea who they are but have no intention of fighting with someone on the phone who will automatically assume I am a liar. In the past two years I have paid off all my credit cards and only have a consolidation loan through my credit union with any amount over {$100.00}. My score has gone from a mid-500 to XXXX until several days ago when this new company posted the same collection to my account prompting Trans Union to lower my score by nearly 50 points. 
I have tried to log into the account I was required to set up with Trans Union only to be told the password I am using is bad - so I change  the password and get kicked to a page which says, " XXXX you can not access your account at this time. Please contact your Security Administration or Help Desk. '' I get the same message when I try to log in from my home computer so it is nothing on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US Dept of ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XXXX of XXXX  I paid off my balance with XXXX. I failed to realize that I didnt cancel a reoccurring charge and missed a payment date of XX/XX/2022. As a result XXXX decreased my credit limit by {$6000.00}. They stated the primary reason in doing so was because I missed a {$60.00} payment right after paying over $ XXXX the end of XXXX. This dramatic decrease is and will impact my credit score.
Product: Credit reporting or other personal consumer reports

I have reached out directly to 1st Franklin Financial via certified mail to disputed some late payments that was furnished on my account. I allowed the furnisher 30 days to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX XXXX has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX  recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Product: Credit reporting or other personal consumer reports

Hi, i am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not third party. The three major credit bureaus are showing low and inaccurate credit scores and repots for me in their system. I have complained to these credit bureaus for over 60 days. I spoke to representatives from each. Transunion ( XXXX XXXX, XXXX ( XXXX XXXX, XXXX ( XXXX ) from the fraud departments. I asked to speak to Us rept but they refused and/or had me on hold for hours. I do not why they chose to abuse me. They are supposed to be protecting and helping their consumers. Please help me as i am extremely FRUSTRATED.
Product: Credit reporting or other personal consumer reports

I rented a XXXX  I paid the loan off in XXXX payment they said I owed for another loan I disputed it they refused to produce the contract where I agreed to any other loan and then they reported inaccuracy 's on my credit report and now they say that I owe for XXXX different loans that they have charged off. I did not signing up for any other loan but the loan i paid off and I am a Victims of the security breach by XXXX XXXX and XXXX  I want it removed from my credit report immediately and compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I placed an online order with XXXX XXXX ( XXXX ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called XXXX XXXX in regards to returning the shoes in return XXXX provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that XXXX cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts XXXX claim I owe. XXXX company provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called XXXX and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item XXXX is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that XXXX XXXX negative item be removed to correct the information ; XXXX Balance.