23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This is regarding my Rushcard prepaid card. They switched processing companies on the XXXX I believe. Since then, People have not been able to access their money, have had money disappear from their accounts, etc. If you go to the rushcard page on XXXX, you can see in detail the struggles people have faced. Some have been evicted from their homes, lost their cars, and not been able to buy essential things like food. 
As for me, I lost my card and requested a replacement card. Since this system outage, I have not been able to access the {$140.00} that was in there when I still had the old card. Since I could access the funds for myself, I decided to just pay the {$140.00} through their bill pay feature to my landlord. I have used their bill pay service in the past to pay my rent and electricity bill. I sent this money to my landlord on the XXXX. She usually receives the money within a week. I called her yesterday ( the XXXX ) and she told me she had not received a check in the mail. I fear that even though it said it was sent on the XXXX it was, in fact, not. My direct deposit from social security was loaded on the XXXX. It is still in my account BUT I can not access it because I can not activate or set a pin for my new card. I have called XXXX different numbers to set my pin on the automated system only to be transferred to a live customer service representative. They would transfer me to a supervisor, or another number where I could supposedly activate my card. I was either put on hold with no one answering or directed to an automated system that asked me to enter my social security number and the system would say " Sorry I did not get that '' when I entered my SS #. I have been without money since this transition/outage occurred. It has been THREE WEEKS that have passed where I and others have not been able to use their card but it was " blocked '' or " pending activation '' ( which is what my account says on the webpage. I have been going to the food bank during this time with my social worker to get food. I have been without basic necessities such as toilet paper, food for my cats, etc. My main concern is being able to pay my rent and utilities and recovering the {$140.00} that I do not believe was sent to my landlord. As soon as I can recover my funds completely I am switching to a credit union. Naturally this whole situation has caused me stress, anxiety and anger. I can not conceive of a system change that takes 3 WEEKS to work properly. This is completely unacceptable and the worst customer service imaginable.XXXX has stated that he is setting up a " XXXX dollar '' fund to reimburse those that have incurred late fees or any other damages but he stated also you had to submit proof of this. 
I beg of anyone to help me get my card activated and a pin set up so I can withdraw my funds and pay my bills so my situation does not get serious with eviction or being severely behind on my bills. I will not allow myself to be in such a situation! My solution to all this is very simple. Let me withdraw my money so I can leave rushcard and get on with my life!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Equifax investigate the issue as they will not reinvestigate. Because the item has remained on my file it has impacted my obtaining credit as the vendors have specifically mentioned this item. Please remove this from my file.
Product: Student loan

More recently, Navient decided that I can not decide to apply my extra payments to all principal if I wanted to. Like usual with all important changes I do not receive proper notice that I can not decide how to apply my extra payments to wherever I see fit for my best interests. For instance, my lender changed from XXXX to Navient and I received no communication of this or the impact to me on my obligations to now Navient. Is n't that illegal if my lender changes without me being notified? ( And to be clear its my lender that changed not the servicer ). 
Also, they do not communicate interest rate changes outside of regular statements you receive. In addition, I fail to understand how someone with good credit and a great history of repayment still pays more than someone applying for a new loan. Their decisions on how to decide interest rates for customers are suspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Submitted disputes to you and I didn't get a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes, please Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial obtained a copy of my credit report without my permission on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a Macy 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from Macy 's  attorney. It was a settlement that Macy 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, Macy 's in conjunction with XXXX ( they merged ) have reported to all XXXX credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the XXXX credit bureaus, Macy 's credit and XXXX, however I am told that internally, Macy 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and Macy 's constantly denies THEIR OWN paid in full letter. I spoke to Macy 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by Macy's/XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When I applied for the Capital One Quick Silver card, it was being advertised by Capital one as a card with " no annual fee ''. However, I am charged an annual " Membership Fee '' once a year. When this fee was initially charged for the first time in XX/XX/XXXX, I was able to get this {$39.00} membership fee waived without a problem. The representatives I communicated with on that particular occasion was very helpful and apologetic for the inconvenience. Furthermore, on XX/XX/XXXX, I was charged another {$39.00} annual membership fee. I called in on XX/XX/XXXX to dispute this charge once again. However, this time around, the representatives I spoke to were not helpful and informed me that they will not be able to help out this time around by waiving the annual fee. I do not know why I am being charged an annual membership fee in the first place when the Quick Silver card was being advertised as a card with no annual fees.
Product: Mortgage

I HAVE A MORTGAGE LOAN WITH CHASE BANK AND WENT OFF TO THE WAR IN 2004 FOR 3 YEARS THEY WERE SUPPOSE TO LOWER MY MORTGAGE TO 6 % STATED BY LAW AND DID NOT DO SO. THEY KEEP IT AT 10.12500 %
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I had sent a payment from my cash app to my XXXX bank acct they never received it and cash app told me that once The money is sent there's nothing They can do I have been back and forth with cash app and my XXXX bank trying to get my money back there is a cash tag on the cash app that looks exactly like my bank logo and I sent it to that logo thinking it was going to my bank and I think it went to someone with the same logo as My bank the amount is XXXX and I need to get it back cash app refuses to give me the name of this person so I can contact them and tell them it was a mistake and to send the money back but cash app tells me they can't delulge that info because it's private so needless to say I am highly upset with this because I can not get any of my questions answered or my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would very much at it if you could help me with this as that is a lot of money please let me know if you need anything else to investigate this thank you XXXX XXXX as you can see with the snapshot I included pay attention to the bank logo
Product: Money transfer, virtual currency, or money service

i was hacked my computer and they also compromised my paypal useing my stored debit cards and paypal only refunede some of them there are XXXX more to be refunded
Product: Money transfer, virtual currency, or money service

This complaint is in addition to another related complaint I have filed against Coinbase for discriminatory practices ( CFPB XX/XX/XXXXXXXX ). 

My husband and I invested in XRP on Coinbase 's main trading platform on XX/XX/XXXX and XXXX, 2021, and we were not notified at that time of Coinbase 's impending plans to suspend trading on XRP as a cryptocurrency, which took place on XX/XX/2021. While we understand that SEC has levied violations against XXXX XXXX XXXX XXXX that need to be honored, Coinbases decision to suspend trading on XRP was a decision they themselves had made, and one that demanded proper communication to their consumers. Instead, Coinbase decided to prevent trading of XRP on XX/XX/XXXX for customers on their paid subscription tier, Coinbase Pro, but failed to notify clients on their main trading platform ( where trading fees are higher ) of their plans to limit trading until nearly four weeks later. Due to Coinbase 's failure to notify their main platform customers, my husband and I would have had to pay both buy and sell fees to Coinbase to recover our investment.

Coinbases freeze on trading for XRP has now been in place for almost nine months, and we have received no communication from Coinbase as to when this restriction will be lifted ( if ever ). As a result of Coinbases cherry-picking of which laws, regulations, and investigations they comply with and their intentional failure to disclose their plans to limit trading of XRP to their main platform customers in order to maximize their profits through fees, etc., my husband and I have been unable to sell our holdings in XRP for over nine months now. The only recourse Coinbase has suggested is to trade our holdings in XRP to another trading platform that permits trading of XRP an option that represents undue burden to us and potentially requires us to pay even more fees.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to a serious breach of my personal and financial information by XXXX ( my student loan servicer ) and the reporting of unauthorized personal information on my credit reports from XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX. 

Description of the Issue : Since early 2025, I have been experiencing ongoing issues with my student loan security and unauthorized credit reporting errors. Upon reviewing my credit reports, I discovered multiple unauthorized and inaccurate pieces of personal information, including : Incorrect addresses and phone numbers Unauthorized employment records Fraudulent accounts or misattributed debts I have never authorized these changes, and my personal data has been compromised without my consent. These errors have directly impacted my consumer profile, financial standing, and personal security. 

Breach of Student Loan Security ( FERPA Violation by XXXX XXXX : As my federal student loan servicer, XXXX is legally required to protect my personal and financial records under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). However, due to their failure to safeguard my records, my student loan information has been compromised, putting me at risk of identity theft and fraud. 

Actions Taken : Since early 2025, I have repeatedly contacted XXXX and my credit bureaus to correct these errors. 
I formally disputed the inaccurate information with XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX, but no corrections have been made. 
I demanded validation from XXXX regarding their handling of my student loan records, but no clear response has been provided. 
Despite my efforts, the issue remains unresolved, and my privacy and financial security continue to be at risk.
Product: Credit reporting or other personal consumer reports

Like 5 months ago I accidentally had an account removed from my XXXX report ( Koalafi ) by mistake. I was disputing other things on my credit and this got removed. Since then, I have tried to get it added back on. I have called the company to have them report it back to XXXX and they say they do it every month, but it still is not being reported. I have spoken to the manager many times and they told me they do report it and talk to XXXX ; I have spoken to XXXX many times and they tell me every time they can not add it back on because the lender is supposed to report it. I pay to this credit lender twice a month. I want my account added back to my credit. I feel like they are not reporting this to XXXX because if so, it would have been back on my credit report. Can you please help me get this added back on since I am still paying them every month. This is so frustrating because if I am paying on this then it needs to be reported.
Product: Debt collection

I mailed a letter requesting validation of a debt that is listed on my credit report by XXXX XXXX, XXXX ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XXXX XXXX XXXX XXXX attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XXXX XXXX XXXX, Blitt and Gaines, P.C., Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), Blitt and Gaines claim to have retained XXXX XXXX to collect the account for which I requested validation.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXXXXXX Balance {$7900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$6300.00}
Product: Credit reporting or other personal consumer reports

XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XXXX  2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans on my credit report that are reporting inaccurately. I have been sending letters to the credit bureaus ( Equifax, XXXX XXXX XXXX ) for the past 4 months. They keep " verifying '' and " updating '' but nothing ever changes. I have sent several letters via CERTIFIED MAIL. The last letter I sent was a factual dispute POINTING OUT the inaccuracies and it still came back " UPDATED & VERIFIED '' with the SAME inaccuracies. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. YOU ARE REQUIRED BY LAW TO REPORT 100 % ACCURATE INFORMATION ON MY CREDIT REPORT THERE IS NO WAY THAT THE SAME ACCOUNT IS REPORTING DIFFERENTLY ON EACH BUREAU. THE ACCOUNTS IN QUESTION ( US DEPT ED ). 

I WILL BE ATTACHING THE LETTERS I HAVE SENT AND WILL BE ATTACHING THE LAST REPORT SCREENSHOT FROM XX/XX/XXXX AND A SCREENSHOT FROM TODAY XX/XX/XXXX TO SHOW THERE WAS NO UPDATE IT WILL BE TIMESTAMPED. 

FIRST LETTER : XX/XX/XXXX CERTIFIED MAIL SECOND LETTER : XX/XX/XXXX THIRD LETTER : XX/XX/XXXX CERTIFIED MAIL
Product: Credit card or prepaid card

Chase closed all my three checking accounts and three credit card accounts without a reason on XX/XX/XXXX. I contacted customer support to find out the reason is nondisclosure. I visited Chase branch to try to figure out what was wrong causing Chase to " Stop the relationship '' with me. Even the Manager at the branch was unable to find out the cause leading to closing. 

Fast foward to XX/XX/XXXX, an application for a chase card was submitted. Chase once again, denied the application with only one reason undisclose previous unsatisfaction relationship. When I tried to contact chase customer support just to get the same answer, Chase decided to cancel because the bank wanted to, not for any reason. Until now, I have no idea what was wrong causing all my accounts was closed. All I really want to know is the real reason or reasons and what can I do to clear the " previous unsatisfaction relationship ''.
Product: Debt collection

Convergent Outsourcing ( original creditor sprint ) is reporting inaccurately on my credit report. the open date is listed as XXXX The original date was actually in XXXX. This debt has been re aged and according to FCRA Section 623 ( 5 ) ( A ) re-aging is an illegal act. The company can not provide any record of this debt on the date listed and i am requesting that it be removed from all of my reports for inaccurate and possibly fraudulent activity.
Product: Payday loan, title loan, or personal loan

Problem : 3 ( Three ) Hard Inquires across my XXXX and XXXX from one single personal loan application during the in-person visit to a XXXX, WA branch of Wells Fargo. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, I applied for a personal loan with Wells Fargo at XXXX XXXX XXXX XXXX. The customer rep. and the branch manager were extremely helpful and walked me through every step of the process. We submitted the application, which hit a Freeze on my XXXX record. Before unfreezing the record, my husband and I clarified with the branch team how many inquiries will be put in total on my credit report. Again, the branch team was extremely helpful. They called on the phone the credit department, where they received assurances that only a single Hard Inquiry will be placed on my account since the previous one hit a Freeze and thereby did not go on record. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today, I checked my account and I see not 1, not 2, but 3 Hard Inquiries from Wells Fargo : 1 ) One Inquiry dated XX/XX/XXXX on my XXXX  Wells Fargo-pl & I 2 ) One Inquiry dated XX/XX/XXXX on my XXXX Wells Fargo-pl & I 3 ) One Inquiry dated XX/XX/XXXX on my XXXX ( WF PII ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My application reference # : XXXX
Product: Checking or savings account

I bought sneakers back in XXXX and I got charged twice. I then called sofi to do a dispute. They then took it upon themselves to do a dispute for both charges and then give me credit for both charges. I did not ask for that. They took that upon themselves. They then took back the money months later which then threw the account into negative. I was granted a refund because the package was lost because it was not something I ordered and then XXXX sent me a refund but sofi refuses to give me the refund. The account was now thrown in negative closed so now I am out money and I have owed credit to a bank
Product: Checking or savings account

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. 

I had submitted a bank statement request for a client on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to process the request. I would like to receive the bank statements requested. 

Document Identification : XXXX