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

I had a replacement card back in XXXX. The card ends in XXXX I believe. I have not used the card in a long time and didn't recall if the card ending in XXXX was the original card or the new card. 

I had a customer service representative from XXXX. I had to tell her because of her bahavior I choose not to do business with SoFi. 

I called to get a replacement card. I did not know if I misplaced the correct card or there was something wrong with the replacement card. 

I kept telling her I tried using the card she claims is the correct card and it was declined. There us no balance on that card. The Customer Representative just refused to give me a replacement card even though I gave all proof of credentials and explained the card is not working. 

I let her know I tried at a XXXX XXXX  on Sunday- it was declined, I paid with another credit card. She claims charges went through- but I do not see it on my app under transaction. 

It is concerning declined transactions are reflected as active with SoFi. 

This is unacceptable behavior. 
I attached a screenshot where XXXX transaction is not reflected anywhere.
Product: Money transfer, virtual currency, or money service

Hello In XX/XX/2022 there was XXXX fraudulent charges done through XXXX XXXX. My bank account was wiped out. {$3600.00} to be more precise. The XXXX transactions were all done in a matter of minutes and Wells Fargo bank called me to try to put an end to transactions but the account had already been wiped out within a matter of minutes. Wells Fargo has denied my claim simply because its XXXX wallet that was used. This is inexcusable and ridiculous that my bank Wells Fargo is trying to just brush it off like nothing happened. {$3600.00} is money I had been saving for a long time now. And its gone just like that. I have been with Wells Fargo for many years and have never needed them for anything until now. Wells Fargo is really trying to brush this off to the side but I refused to let this injustice just slide. Please help me
Product: Credit card

Hello, I have a complaint with the Discover company for rejecting me when I tried to pre approval and these bullies still didnt approve me. I am mostly angry with the Costumer Protection Service because they closed my account. I called the supervisors, but they dont help me. Sometimes, these people want to make my life miserable. I didnt mean to damage my account, for I just need to get some cash to deposit my debit card from a different bank account. Please help me. Thanks. 
XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I opened a David 's Bridal Credit Card to pay for my wedding dress purchase. The purchase amount on the card was {$1400.00}. According to the terms I read on the screen there and were later provided to me ( picture included ) this purchase would qualify my for their 12 month Deferred Interest, Payment Required plan. This was in line with my financial goals so I proceeded with opening the card. Their disclosed promotional plan is tiered as follows : All Purchases - 6 month Deferred Interest, Payment Required Purchases of {$800.00} or more - 12 month Deferred Interest, Payment Required for both plans all interest will be charged to the Account from the purchase date at the Purchase APR if the plan balance is not paid in fill within the promotional period. 
Upon receiving my first statement ( which I received AFTER my first due date ) the statement says that I only have a 6 month Deferred Interest, Payment Required plan. 

I submitted a written request for review on XX/XX/2022 explaining the terms given, the disclosure I have provided by the bank, and requesting it be corrected to offer the full 12 month Deferred Interest period. 
On XX/XX/2022 I received a message back asking me to please call the billing number on my statement for resolution. 

On XX/XX/2022 I called the billing number and spoke with a representative who told me they do not offer a 12 month program and that the sales representative at the store was mistaken and I would need to speak with the store, not the bank. I explained to her that I have paperwork from the bank that includes the 12 month program so it was not a store specific problem. She continued to tell me that I was wrong and that they do not and will not offer such program. Finally she told me that I could mail the documents I'm referencing ( my account opening disclosures ) to them and someone would review them. As of today ( XX/XX/2022 ) I have not heard back from them. 

Most recently, I was at the same store that I purchased my gown and attempted to pay with my David 's Bridal Credit Card and was told that David 's Bridal no longer accepts the David 's Bridal Credit Card, as of XX/XX/2022. I have yet to verify if that's true of all locations or just the store I visited. Since this is a store specific card, I find it confusing that stores would not accept the card, especially because David 's Bridal is not a franchise. I'm very frustrated that I opened a credit card I can no longer use, which will inevitably need to be closed for lack of use ( by either myself or the bank ) and have a material impact to my credit score. The fact that 3 months after opening my card, the stores stop accepting it leads me to believe it was known that they would no longer accept this store card, but proceeded to open the account anyway. It was all in all very misleading. 

As I am quickly closing in on the date where interest will be charged ( XX/XX/2022 per my statement ), I am seeking prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason an account I had with ZALES was closed and my score dropped 49 points. Makes no sense XX/XX/1949 pts to XXXX We found 3 changes to your XXXX  credit report. 
Closed Accounts COMENITYCAPITALBANK/ZALE + Account Closed On-Time Payments COMENITYCAPITALBANK/ZALE + 2 Payments Made on Time Updated Account Information COMENITYCAPITALBANK/ZALE + Remark Added to Account
Product: Student loan

I am so frustrated with this student loans system and all the red tape. Last year I switched my student loans to Fedloans since they are apparently the only company that deals with " Public Forgiveness '' Loans. I have been working as a teacher for the last 12 years and have never been able to make full payments because my income is so low it never reaches the level for normal repayment. So basically I have been on the IBR system all these years. Before Fedloans I had Navient and several other servicers before that because they sell the accounts to each other I guess. I have always had trouble with sending my salary information because my paychecks show what I make during 10 months out of the year. It does not show that I do not get paid for the time I do not work in the summer. My yearly adjusted income hovers between the XXXX and XXXX mark on my tax returns but my paystubs show a gross of someone making XXXX per year. I always have to argue this with the loan servicer. There are several complaints I have and it takes more than XXXX words to unravel all the issues and complaints I have. I will try to create a list. 
1. They " lost '' or do n't have evidence of all the " eligible payments '' I have made over the past twelve years or at least since the law changed in 2007 for the loan forgiveness. When they switched over my account from XXXX they did not switch my payment history. 
2. They have sent me a request for documents and an application for IBR three times in the last year. Every time I send them the information they botch my application and cause my account to default and show " late payments, '' destroying my credit score every time. I sent them my application XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX and most recently now XX/XX/XXXX. They are still processing " the application. '' 3. Every time I call I get the run-around. I get responses like " the application is being processed. '' Then I call to follow up later and they tell me they " did n't receive my application. '' So how is that possible? Then I call back to try to speak to someone else and they tell me the application is " missing my signature. '' Meanwhile my loan is showing XXXX plus days late on my credit bureau for mistakes they are making. My previous payment was XXXX/ month and now it 's XX/XX/XXXX/month. That 's greater than my mortgage. 
4. I called again this last Thursday and I was told to file for consolidation online because " I qualify '' according to their customer service rep. So I did that and not 48 hours later I get a notice that the " application has been cancelled '' because I " do not qualify. '' I 'm at my wits end. Please help. Than you in advance.
Product: Credit reporting

I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.
Product: Debt collection

LVNV also known as resurgent has bought up debt, which the original debt collector did not have the right to sell, since then I have had mine identity stolen a number of times, many of these debts had already been paid, For a time I had a law firm coastal processing handling these for me, but LVNV would not cooperate, and continue to hire companies make threats,
Product: Credit reporting or other personal consumer reports

disputed late payment on a credit card that was not my fault and provided proof. they did not take that off my credit report
Product: Credit card

On or around XXXX XXXX of 2024 my computer was hacked into and a purchase was made for XXXX on my Bank Of America card through XXXX. Another purchase was made around the same time through XXXX and XXXX reversed the charges right away. 

XXXX said they would contact the card company, the card company said they would contact XXXX etc etc etc. I have disputed this charge with BOA 3 or 4 go arounds now. It took so long for BOA to get anything done that the time expired to do anything with XXXX. They keep denying my claim over and over. 

I have provided XXXX tracking in for I received from XXXX that the packaged ordered was never delivered and return to sender. I have documentation from XXXX that the package was never delivered to me or the fake address given in the original purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

Synced XXXX XXXX  card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX XXXX bank XXXX Chex systems XXXX XXXX XXXX bank XXXX And many more transactions and inquiries i habe no idea about My unemployment has been getting stilen from me since XXXX and i dont know where it is going I have not been recieving it. I tried to make a police report but they cant until unemployment Commission does so and i cant get anyone on the phone with me to make it happen.
Product: Credit reporting 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. 

XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX. 
ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX. 
ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT #, 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 reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX TRANSUNION XXXX. XXXX  XXXX  XXXX, PA XXXX 1. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine U S DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 4. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 5. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 6. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 7. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 9. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report 10. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report I filed a dispute regarding my credit report. It has been well over thirty days. I still have not heard the results of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

NAME XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion received an update from the Department of Education today, claiming that my past due balance had increased {$1.00} ( one dollar ). For that information TransUnion reduced my FICO score 55 points. The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. I have attached the most recent payment that posted to my current service provider on XX/XX/21. Showing that the notice Department of Education is purposely inaccurate. This repeated abuse is damaging and its only purpose is to cause injury.
Product: Credit card

They have been prejudice towards me judging me off of data collected from other credit, reporting agencies, 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. Title 15 subsection title 1611 faults, misleading denial of my own credit violation of my consumer rights
Product: Mortgage

This is a new loan that was originally w XXXX XXXX. It was sold to PNC. I made the first payment to XXXX XXXX I paid an additional {$800.00} + above my payment amount which was to be applied to principal. XXXX XXXX  made 2+ months payments charging me double interest. I called them explained my intention was to apply all to principal not to pay multiple months. They corrected the payment and the loan was sold to PNC. PNC is not giving me credit for the $ XXXX For reasons unknown to me. I began contacting them the first week of XXXX by phone, and email. I keep being told its under review. It has been almost 2 months since the payment in question was made. I dont know what to do ; but I do know what I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My date of birth is not reporting correctly on my credit report XXXX Multiple addresses that are incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report on XX/XX/XXXX, XXXX Credit reporting agencies must provide accurate and up-to-date information about consumers ' credit histories. I Have identified several errors in the information provided. 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. Coll : Acct # XXXX, n 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., XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 reporting, credit repair services, or other personal consumer reports

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX  credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a recently requested credit report from TransUnion that reflected an error under the  Third Party Supplemental Section ( Public Records ). This section reports a Foreclosure ; hence the dispute. Credit Bureau Reps were unable to assi st with the investigation -- only giving contact information for   XXXX   XXXX     This company could not investigate my dispute. In essence, I was informed that there is NO FORECLOSURE in my credit report that potential lenders view, but the re IS one listed in the Public Records Section that is inaccurate. Pl ease investigate!
Product: Mortgage

On XXXX 2016 and subsequently on XXXX XXXX, 2016, I submitted and supplemented my loan mod application to Caliber Home Loans which they acknowledge receipt of a full and complete package on XXXX XXXX, 2016. I was told that they would contact me with a result and/or if they needed additional information to supplement my request for modification. 
I received two letter after that, one dated XXXX XXXX which is the SCRA notice letter and another letter dated XXXX XXXX, 2016, telling me I was in default of my loan and that I needed to pay. Nothing regarding the status of my loan modification. On XXXX XXXX, 2016, more than 60 days after submitting my request, I was told that my modification was denied on XXXX XXXX, 2016. I was not notified of the denial and was told that they could not talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 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.