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

got a balance transfer in XXXX. periodically when i pay large sums they post those amounts to the balance transfer rather than the balance running at the regular interest rate. i contacted them in XXXX about it, and they adjusted a couple of the interest charges, but didn't change the proportion of balances at the transfer rate vs not. for my XXXX statement they have again put over XXXX XXXXXXXX of my payments improperly onto the balance transfer rather than my regular purchases. their customer service seems clueless ( repeatedly saying " I hope you understand my limitation '' without actually clarifying their limitation ) unwilling to help, and keeps referring back to " the system does it '' and " that's the policy '' even when they didn't even follow their own policy. as with last time, they offer to refer my complaints to " the team '' but that resulted in nothing. i had to actually pick up the phone to get even the interest charges changed last time, which doesn't address the fact that the wrong balances are getting paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, Capital Accounts LLC reported to XXXX  that I made a late payment on a debt collection reported by their company. I've never made ANY payments for this reported collection amount to Capital Accounts LLC, therefore a late payment shouldn't have been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XX/XX/2018 I went to XXXX to try and buy diapers and meds for my sick kids when I went to check out the total came to {$130.00} so I wrote a check and gave them my ID as well. I recently got married and my last name changed so they asked for more identification since my check and Id had different last names even tho all the other info was the same. So I gave them my debit card that had the correct last name as well and the manager requested I enter my pin for verified I did and he called the bank and verified everything and then still stated he couldnt accept my check or my debit card for the purchase so I said nevermind and left. The next morning I woke up to a charge from that exact XXXX store for {$530.00}!!! I called chase immediately and disputed the transaction and they issued me a temporary credit. Then on XX/XX/XXXX I received a letter in the mail from chase stating they made their decision and were reversing the credit and removing the {$530.00} from my account. I called and tried to appeal this decision but because I didnt have a receipt or anything saying I canceled the transaction ( which I never authorized the transaction in the first place nor did I authorize them to charge ANYTHING to my card ) that there was nothing they could do! I spoke to 3 different managers and no one helped me. So on XX/XX/XXXX they took the {$530.00} back out of my account causing me to not have the money for my kids XXXX gifts or to pay my cell phone and car insurance payments. I have told them I never authorized any charge from that XXXX let alone over {$500.00} I never spend that much. We are a lower income family on a fixed income I am XXXX XXXX and have XXXX XXXX XXXX XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

On XXXX, 2020 my payment did not go through when it was on auto-bill. I reached out to the company and they said that they canceled my auto-bill payments in XXXX. I didnt receive any notification about canceled payments. When I tried to resolve this problem with the bank they did not resolve it. They never notified me about the auto-bill cancelation. After it they left a negative mark " late payment '' on my credit reports. And now I can not get a mortgage because of this mark on my credit reports and Ally Financial will not help me with this unfair situation.
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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX-XXXX****-Balance {$XXXX} XXXX APPLIANCES XXXX {$700.00} XXXX XXXX****-Balance {$XXXX} XXXXXXXX XXXX****-Balance {$XXXX} XXXX XXXXXXXX XXXX****-Balance {$XXXX} XXXXBalance {$XXXX}
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX. XXXXXXXX XXXX XXXX with no account number and a balance of {$260.00}. Equifax claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Equifax seeking proof of this debt : Equifax XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Equifax continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Mortgage

I am about 7 months past due on my mortgage due to loss of income. I now have sufficient income to make my mortgage payments again due to being a XXXX veteran so I submitted a modification package to this company on XXXX/XXXX/16 because they are trying to foreclose on XXXX/XXXX/16. They confirmed that they have a complete package and it is in review even sent me a letter to confirm yet they refuse to postpone the sale date until they have a chance to review. I told them this is called dual tracking and is illegal. They said they did n't care and will not postpone the sale date. Please help me, I want to keep my home. I served this country and in the process became XXXX and now I 'm losing my home. All I want is to keep my home now that I have the sufficient income and I am not even that behind on payments. Help me please!
Product: Consumer Loan

I got behind on my loan, I ask for 7 months can you give me and extension and put 2 months in the back and they keep telling the next month for 120 days. So they decided it was time to repo the car and the company they hired did almost XXXX worth of damage towing it, So a week later I get the car back and it is leaking transmission fluid and there was a little crack under the front bumper that got bigger from driving it. I could n't drive the car due to the leak and the bumper .The repo man found my work shirt from a part time summer job that I worked at the past two summer that I never reported to Capital One and he went to my Boss and told him about the repo after the I got the car back and retaliated against because I complained about him damaging my car. I sent capital one the text and they tried to cover for him saying they do that to find the car, but the I told them it was after the fact and I never reported that job to you or on my credit report and that was violation of privacy laws and you ca n't do that with my personal information. They want me to pay this man for the repo is the crazes thing I ever heard and they will not waive it and I have n't had a car since XXXX and been paying people for rides and a rental car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

I currently have a conventional 30-year fixed mortgage through SunTrust Mortgage. NMLS # XXXX On XX/XX/XXXX, I received an email notification from SunTrust " congratulating '' me on my brand new checking account - separate from my mortgage. Alarmed, I immediately contacted SunTrust to notify them that I did not open a new account and that this was clearly identity theft. The Identity Thief changed my login credentials and so I was unable to " take back '' my account! After an hour and dealing with four different customer service reps in mortgage and their checking department, I was told to call back tomorrow and told that they could do nothing for me. I proceeded to call the next morning and spoke with a few more customer service reps including who was believed to be an important manager. The manager confirmed that my account safe and protected, to the best of her knowledge. I asked if we could somehow add an alert to protect my information, or perhaps change the loan number to prevent this from happening again. They told me that this was impossible unless I wanted to complete a refinance. I asked if this could happen again and the response was, " sir, we're doing whatever we can, but who knows ''! 

6 days later, my account was hacked again. We expressed to SunTrust once again that our information was compromised and we wanted it to be protected. We demanded that they protect our personal information. They were short with us on the phone, wouldn't answer any questions, and essentially told us that they could do an investigation. There was no sense of urgency from SunTrust and they intentionally would NOT take any measures to protect my personal information. They wouldn't even tell us the email address of the hacker, who again, changed our account email address and phone number once again! 

My information is still exposed and after repeated calls to whomever would be willing to help, I have not gotten any response or help. We feel as though our rights are being violated and WE HAVE EVERY INTENTION ON PURSUING LEGAL ACTION to get this resolved. SunTrust has shown no competence or effort is protecting our stolen identity.
Product: Checking or savings account

On XX/XX/2020 I transferred {$250.00} electronically out of my checking account at Fifth Third Bank to another financial institution. The bank charged {$3.00} for this transfer. The brochure that describes the account I have ( Free Checking Plus ) does not list this fee in the list of fees provided on page 7 and 8 of the brochure. I am attaching this brochure below. When I contacted customer service to see if this fee was a mistake, they said it was not. They had no explanation why this fee was not disclosed in their literature for this type of account. It is my understanding that banks are required to disclose all fees to their customers. If that is the case, Fifth Third Bank is in violation.
Product: Credit card or prepaid card

This is unbelievable this bank and credit card company is ripping me off entirely I lost my husband and job and they dont. Care they want their money Im behind 2 months I cant afford their minimum payment and my balance was {$6000.00} now they want {$8500.00} their crazy and refuse to remove the interest charge they are giving me a hard time
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account several months ago. I signed up as a premium " Coinbase One member ''. The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX ( our local church ), of which I am the CEO ( XXXX XXXX ). The email address for the account is XXXX. I had a weekly auto buy order setup with no issues for months. All of a sudden my auto buy order is cancelled, my bank account link is gone, and my account is restricted and I can not add any bank accounts or sell any crypto or transfer any. I re-verified my identity successfully however my account is still restricted. I called Coinbase XXXX  priority support and was put on hold for over 30 minutes and had to go before they could get to my call. I opened up a support case ( # XXXX ) ; and filed an official complaint with Coinbase ( # XXXX ) ; however, Coinbase will not allow me to transfer my assets off of their platform or withdraw to my bank account. I have exchanged multiple emails with Coinbase, however, they refuse to allow me to access my own assets that I purchased on their platform. All they say it that the account is " under review '' ; and nothing else. This is ridiculous. I've heard from others that they do this for months and they are holding my assets hostage. I simply want my assets and cash back! They have no legal justification whatsoever to deny my request for my assets. I've jumped through all of their hoops and did ID verification multiple times. They need to be held accountable for not letting me access my assets back.
Product: Student loan

Multiple times called and emailed on the status of my IDR application after consolidating. The communication began before and continued after the SAVE plan injunction. One of the times I called I was put in a processing forbearance, I was told that it is good only for two months and that I would have to call back to request another processing forbearance. When the processing forbearance expired, I called back to ask for a status of my application. I was told it is still processing.So I asked to be put back on the processing forbearance but was told I do not qualify and was put on a general forbearance which is accruing interest.I should have been put on a processing forbearance automatically when I consolidated and applied for the SAVE plan back in XX/XX/year>. Now I have accrued close to {$1000.00} in interest. My loans were consolidated but my idr plan was never processed and I have met the 120 payments for PSLF forgiveness and know my loan does not qualify because my loans were put on a standard plan instead of processing my application to be in a qualifying payment plan. As you can see, there are so many issues by this company. False information and lack of accountability.
Product: Credit card or prepaid card

This is in regards to  PNC 's     XXXX   XXXX   c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in  XXXX  of  XXXX . I paid more than my minimum, usually {$750.00} per month, yet in  XXXX  of  XXXX  they started charging me interest. I did n't notice it till my  XX/XX/XXXX statement ( that they added interest as well  ).  On  XX/XX/XXXX , I contacted their customer service department and spoke with MR.  XXXX   XXXX . He explained to me that my previous balance ( before the  XX/XX/XXXX  balance transfe r )  interest free period had expired in  XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the  XX/XX/XXXX  balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies 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 XXXXXXXX In accordance of the Federal Credit Reporting Act this creditor 's has violated my rights. 
Under 15 USC 1681 SECTION 602 state 's I have a right to privacy. and under 15 USC 1681 section 604a section 2 state 's that a consumer reporting agency can not furnish an account without my written instruction 's.

Under 15 USC 1666b state 's. A creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on XX/XX/XXXX and on XX/XX/XXXX because they are reporting an inaccurate and inconsistent payment history under the account with " XXXX XXXX  '' and I tried to have them fix this matter, but they will not comply with the law. 

To date, it still reports me 120 days late 6 months in a row, from XXXX to XXXX of XXXX, and there is no prior dates of delinquency at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a XXXX form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) XXXX, a XXXX form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a XXXX form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account was overdrawn {$420.00} from an unauthorized transaction. It is now effecting my credit report.
Product: Credit reporting

The credit reporting company Midland Credit is in violation of the Fair Credit Reporting Act by abusive collection practices, and obtaining validation of debt information. The conduct has been unethical, negligent and noncompliant. The company has not furnished accurate and complete information. sect. 609 ( FCRA ) Their harassment, oppression, abuse and conduct is prohibited by law and implied account was turned over to innocent purchases for value. The company harasses me several times a day with inaccurate findings.
Product: Debt collection

After receiving a letter of garnishment we asked for copies of all the judgements and original debts. We're told they did not have them and they would not be able to provide them. When asked if we could pay a monthly ammount instead, we were told yes. Filled the paper work out and never contacted again. Then told we will be garnished regardless because we didn't respond. XX/XX/XXXX.was the first letter. XX/XX/ was the second. I was told it didn't matter if me and my child ate as long as the company was paid back. Hospital services inc. Said we did not matter as people, only money sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off XXXX card in XX/XX/XXXX. 

Company decided to stop reporting my balance once paid off. 

Followed up XX/XX/XXXX and I was told a system update has taken place and they have decided not to report anymore. 

I asked if they could share my balance was {$0.00} and that they actually owed me XXXX cents with the agencies and they said that they couldnt. Possibly in XXXX. 

This has been hurting my score and has me at a 103 % utilization. 

I was also told I can not receive statements unless I make more purchases.
Product: Student loan

XX/XX/2022 received email as a response from contacting US Dept of Education with a pdf file that I can not open. Also stated that I need to answer a question. Chat agent closed my chat after I waited for 29 minutes. Made 2 calls to Aidvantage. Left 2 messages. Calls not returned. Unable to login to their websight.
Product: Credit reporting

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx.
Product: Credit card

Online account would not let me log in. Did not receive letters in the mail, nor anything to my email address about payment being due. Additionally, company never sent account over to a collection company so I thought it was paid. Account was paid in full in XX/XX/2023 after viewing on credit report.