23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a negative acct on my credit report from AFNI a debt collection agency. The original creditor is XXXX XXXX XXXX. I have disputed the date with XXXX 3-4 times now. I have called AFNI concerning the date and was told they do n't have records of anything more than my personal information and the amount of the debt. I have been told the time of the debt on the credit file is XXXX yrs from the date of last payment. I have a past due bill from XXXX XXXX XXXX dated XX/XX/XXXX but AFNI has challenged each time listing it as XX/XX/XXXX which is when I believe they purchased the debt. I have been dealing with this for about 6 mths now.
Product: Mortgage

On XX/XX/2019, I used the company 's online payment system to schedule my mortgage payment for withdrawal from a linked savings account on XXXX ( due date ). Moments later, I received a payment confirmation complete with a transaction identifier. Checking daily since XXXX, I have been waiting for the account to be drafted. Today ( XXXX ), I called to confirm the payment was processed only to learn that since this was my first payment with the new mortgage collector, I had to submit payment by check or over the phone. Had I not called or checked, this would have been a late payment with fees. The company should not send payment confirmations if they do not intend to draft and I feel this is a way for the company to collect late fees for people who think they have scheduled payments but do not go through. ( Not to mention the impact to their credit scores. )
Product: Vehicle loan or lease

I am writing to express my profound dissatisfaction and disappointment with my recent experience while applying for an auto loan with Capital One Auto Finance on XX/XX/2023. My encounter with your company has raised significant concerns, which I believe warrant immediate attention and resolution. 
My primary concern revolves around the manner in which my credit application was handled. I was shocked to discover that Capital One Auto Finance ran multiple hard inquiries on my credit report without obtaining my explicit consent. This not only had a detrimental impact on my credit score but also blatantly disregarded the standard industry practice of seeking customer consent before conducting such inquiries. This action reflects a lack of transparency and respect for customer rights. 
This experience has led me to believe that Capital One Auto Finance discriminated against me, primarily due to erroneous information on my credit report. 
I wish to emphasize that the negative reports on my credit history are false and do not accurately reflect my true financial standing. The Equal Credit Opportunity Act makes it illegal for creditors to discriminate against the consumer, in light of these inaccuracies, is nothing short of discriminatory. I had expected a fair and impartial evaluation of my loan application, not one influenced by inaccurate data. 

I kindly request that Capital One Auto Finance conducts a thorough investigation into the mishandling of my credit application, including the unauthorized hard inquiries and the discriminatory actions. It is essential for your company to rectify these issues promptly to ensure fairness and transparency in your lending practices. 
It is my sincere hope that Capital One Auto Finance will take appropriate steps to rectify these issues and improve its customer experience, as advertised, in the future.
Product: Payday loan, title loan, or personal loan

In  XXXX   of 2016 I was need of some emergency cash. I responded to loan offer that I received via email. The process was prompt but I was not aware of the enormous interest rate. I borrowed {$550.00} and this far have money has been withdrawn every two weeks to the tune of almost {$2800.00}. I feel so stupid for being so desperate.
Product: Checking or savings account

Union Bank has charged me service fees for an account that has previously ( for more than one year ) been free. 
Further, there are unknown debits on my account that I wish to address. 
In my efforts to receive assistance from Union Bank, i've done nothing more than waste four hours of my day with people who chose to be rude, XXXX, difficult, and abusive. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate data reported XXXX, Charged off account still reporting a balance.. FCRA violations . Date last reported, date opened
Product: Debt collection

I had already disputed and resolved a {$370.00} debt from XXXX from several years ago. It appears it has been sold to another debt collector and is back on my credit report causing a XXXX point drop in my XXXX XXXX. I wasn't even notified of the matter until it hit my credit report. Below is the information from XXXX. I tried to dispute but XXXX denied my dispute and accepted it as a " new debt ''. 

Account name JEFFERSON CAPITAL SYSTEMS Also known as XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$370.00} XXXX updated XX/XX/XXXX Recent payment Monthly payment Original balance {$370.00}
Product: Checking or savings account

I want to talk about my bank Chime. 
On Friday XX/XX/2022 on my way to work in XXXX XXXX, IL. I stopped at a local XXXX XXXX  to make a purchase using my XXXX. Approximately 5 minutes later someone at the XXXX XXXX located at XXXX XXXX XXXX a man withdrew 2 separate transactions of 400 $ each. 
The other store is about 20 miles from where I actually was and after seeing the charges I immediately contacted Chime and the police department. Well first Chime said I had to wait until the transactions both settled. 
So I decided to visit the store in XXXX to see if they could offer some help. The cashier told me around the time of the transaction a man was at the ATM for 7 minutes. Which the cashier stated was very unusual. I was sent video but since the mask mandate I can not make out the person. 
Today Sunday XX/XX/2022 the transactions posted. I sent all the information to Chime, the police report, my time sheet to prove I was 30 miles away, the video from the store in XXXX where my card information was used. Chime stated the ATM withdrawals were authorized and would close the dispute. I do not have any transactions in XXXX and I rarely withdraw over 200 $ from my account. Chime Bank didnt alert me to the charges and did not try to help me with any solutions. I just got my paycheck and we dont get paid for another 2 weeks and Chime seems to believe that because my PIN was used that it is authorized. With the various types of electronic bank fraud such as skimming the use of illegal machines placed at ATMs, there is a significant chance that someone cloned my card. However this bank seems to believe everyone is lying and doesnt care to help. Please please help us out with any type of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XX/XX/XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XX/XX/XXXXhas XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ;
Product: Credit card

Capital one closed my credit card illegally without notice when I paid the balance down to below 30 % utilization My credit card closed affecting my credit score. And being able to obtain new credit because of this. I found yesterday in my phone finally the proof that I did pay them and they have refused to acknowledge it after several emails to verify payment so Ill attach that proof below XX/XX/XXXX on the picture youll see I paid XXXX dollars to cut what I owed on my balance in half and my account in good standing they wrote off and charged off on their end double that amount XXXX and then I saw XXXX makes no sense when I paid half of that. This is illegal.
Product: Credit reporting or other personal consumer reports

A credit reporting agency must follow reasonable procedures every time it prepares a credit report to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ).

Not only are the credit agencies required to create reasonable procedures to ensure that information on credit reports is accurate, furnishers must also create reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a credit agency. 12 C.F.R. 1022.42. These procedures must also be appropriately designed to account for the nature, size, complexity, and scope of the furnishers business. Id. The furnishers must also continually review their procedures and update them as necessary to ensure that the procedures are effective. Id. 

Account : XXXX XXXX XXXX XXXX
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 : # 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. 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

Trans Union keeps adding a address to my credit report which is not mine and belongs to another person XXXX. For this reason, I keep getting bogus collection calls from companies stated I owe money for a debt that was never mine. I live in XXXX state and has for over 10 years. Please have Trans Union remove the address and phone number from my report. They have inserted this address XXXX times and I dispute each timeAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone XXXX. Thank you
Product: Debt collection

I have contested over 4 times a debt accrued last XXXX of XXXX under XXXX XXXX, with Midland Credit management trying to set collections out for the amount. I never took out the amount, and have told them that my mother has used my information to take out credit under my name in the past and to look into her being the perpetrator. As of XX/XX/XXXX, my mother passed away, and have yet to receive a death certificate from the coroner for it to be able to send to anyone of her untimely passing. I have told them this is the best lead to whoever took this credit out in my name at that time, and have been stonewalled, no more communication from them, just a mark on my credit for the amount in collections.
Product: Debt collection

This letter serves as a dispute letter. However, I have sent Radius Global Solutions numerous dispute letters that their agency fails to respond back to or acknowledge. In addition, their agency received my most recent Certified dispute letter, USPS tracking # XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 at XXXX XXXX. Furthermore, I reached out to their agency back in XX/XX/2020 regarding them company illegally pulling my credit and creating numerous credit pull inquiries. Radius Global Solutions failed to respond back or remove the illegal, unauthorized inquiries that they negligently conducted back in XX/XX/2020 without ever notifying me. Instead, you ignored every single certified mail you signed and received. 

Their illegal, deceptive, and unethical business practices should not be tolerated. I have re-contacted the Federal Trade Commission and I have advised them to put a stop of Radius global Solutions bold ignorance and false credit reporting. I also am making the FTC aware that their company has also failed to respond to any of my disputes even after they were notified by me for illegally accessing my credit report ( s ) back in XX/XX/2020. 

They have no legal authority or right to access, continue to access, pull, continue to pull, or list your companys name and account number ( s ) on my consumer credit reports. Radius Global Solutions is such a liar in updating your account that you have failed to notify me of from the beginning. Instead, one of your illegal efforts conducted from you in XX/XX/2020, was to continue to illegally access and pull my credit. 

By law of the FTC and FDCPA, they exercised a consistent failure in responding back to all of my disputes regarding their illegal credit pulls in XX/XX/2020, along with their deliberate failure in responding to my recent dispute letter received on XX/XX/2020 within 5 days of receipt. This means that by law that Radius Global Solutions can no longer continue to add, or list their company name or account number on my consumer credit reports. I am done tolerating your unethical business practices.
Product: Money transfer, virtual currency, or money service

I lost my cell phone in a XXXX XXXX  on XX/XX/XXXX. I had my carrier turn the cell phone off, but the wifi functions were still active. Transactions began to be transferred or withdrawn from my bank and my PayPal accounts. My bank stopped the charges and made a partial refund, but PayPal refused to acknowledge the transactions as unauthorized. I have been wiped out. I had a business account under one email address with PayPal for XXXX XXXX XXXX XXXX  : XX/XX/2022 Instant Withdraw to Debit Card Completed- {$790.00} XXXX XXXX second account was for person business only, under a second address : XX/XX/2022 Paid with PayPal XXXX XXXX XXXX - {$430.00} XXXX Transaction ID XXXX Seller info XXXX XXXX XXXXXX/XX/2022 Paid with PayPal XXXX XXXX XXXX - {$240.00} XXXX  Transaction ID XXXX Seller info XXXX I reported these transactions within 48 business hours as specified in the PayPal Terms and Conditions with PayPal refusing to return the funds. I have since closed these accounts and deleted the cards associated with them. I need help.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. 
Given notice to these companies XXXX XXXX, XXXX, Credit karma and all other XXXX party reporting agencies. Legal litigation will take place if no action is taken. 
Thank you XXXX XXXX ( consumer )
Product: Credit card

This issue I'm facing with Capital One travel that booked with them using Capital One Venture-X credit card ending in XXXX. 

I had booked international ticket for multi-city with confirmation code- : XXXX XXXX, US to XXXX XXXX, XXXX on XX/XX/2024, XXXX XXXX, XXXX to XXXX, XXXX on XX/XX/2024 XXXX and XXXX, XXXX to XXXX XXXX US on XX/XX/2024 XXXX 

I faced the following issue - 1 ) I couldn't reschedule a flight online so I called customer care to find out the rescheduling charges. Charges were high so I did not reschedule it. This happened 1-2 weeks before my travel started on XXXX XXXX. 
2 ) Before my travel started on the XXXX of XXXX, I found out that the previous agent had by mistake cancelled that ticket. So, after so many follow up and spending hours on the call, Capital one offered me the same ticket and they bore the extra charges. But they did mistake again to book incorrectly book my departure from XXXX on XXXX instead of XXXX XXXX. 

3 ) On XXXX XXXX, I asked to reschedule my return ticket keeping the layover time the same of 3 days but the agent booked it on XXXX XXXX with no 3 days layover and told me that the previous agent also made a mistake and had booked both the tickets of XXXX to XXXX and XXXX to XXXX on XXXX only. Agent cut the call without providing the resolution. 

4 ) I called again to Capital one travel to fix the error but they are not agreeing and putting blame on me. While I repeatedly told the agent to book flight with 3 days layover and return from XXXX on XXXX XXXX. 
I have also requested them to share transcript of the call but they said they can't.
Product: Credit card or prepaid card

Best Buy card by Citibank. I made several large purchases at this store in XXXX, unknown to me, those purchases which had no interest charges for a certain amount of time, were actually compounding interest, which they charge in one very large sum at the end of the promotion. A week ago I made a payment, and I was {$400.00} under the limit, and slowly trying to pay it off. Today, I found it {$250.00} over the limit because of one of the interest charges. That means my next minimum payment is close to {$300.00}, which I will be unable to pay, damaging my credit which I am trying very hard to fix. 

These promotions, while I'm sure had fine print are deceptive and misleading.
Product: Credit reporting or other personal consumer reports

Recently, I sent a certified letter/affidavit with a notarized signature to Experian regarding a public record that has not been validated. Despite this, Experian has continued to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide proper validation and has ignored my previous communication.
Product: Credit reporting or other personal consumer reports

credit company shared or sold my info, being bombarded with calls from lenders
Product: Checking or savings account

I am writing to file a complaint on Navy federal Credit Union regarding multiple overdraft fees that have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees I was charged due to lagged postings of charges and credits. This issue aligns with with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and require an investigation into my account.
Product: Debt collection

While moving to a new apartment a box with my personal information was left behind accidentally at the old apartment which had my social security number and ID information in it. The person who stole it used my credit to gain access to my accounts and apply for credit through numerous creditors. I filed a police report, ID theft forms with creditors and did a lot of follow up. Some of the creditors did respond and say I was not at fault but others sold the account to 3rd party vendors who placed a judgement against me and are now pursuing legal action to collect the fraudulent funds. I need help with this issue, been fighting to resolve for the past 6 years but have n't been helped. Please let me know what you can do to help me get this situation behind me. My credit is being affected, bank accounts and I ca n't move forward with purchasing a home as long as this persist. I have filed police reports, written numerous letters and still NO HELP! This is my last alternative. I do n't want to file bankruptcy because these are not my debts. In addition I was never served at addresses where I reside, but judgements were served at addresses where I did not reside and I was n't given the opportunity to argue my case before a judge. I need help with this matter and ask for resolutions. Thank you in advance for your help in this matter. FYI, because this is being published I do not want to state the persons name who did the fraudulent activities but its included in the attachments.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a recent data breach. Unauthorized accounts have been opened in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report : Fraudulent Account : XXXX. XXXX XXXX Account XXXX : XXXX XXXX Date Opened : XX/XX/year> XXXX Balance : {$0.00}
Product: Mortgage

In XX/XX/XXXX, I paid a mortgage in full held by Wells Fargo. At the time of payment in full, there was an overage in my escrow account linked to the mortgage, in the amount of approximately {$4100.00}. At the time of payment in full, Wells Fargo did not inform me of the overage nor tried to return the money to me. 
On XX/XX/XXXX, two months after the mortgage was paid in full, Wells Fargo emailed me saying a check for the overage had been mailed to me on XX/XX/XXXX. See attached email. I never received that check. 
On or around XX/XX/XXXX, I called Wells Fargo to inform them I never received the XX/XX/XXXX check. Wells Fargo said it would reissue and mail me a new check ; that I should receive it within 2 weeks. I never did. 
On or about XX/XX/XXXX, I called Wells Fargo to tell them I never received the check. I asked for the money to be sent to me using alternative means ( wire, XXXX, pick up at bank branch, etc ), and Wells Fargo refused. Instead, Wells Fargo said it would send a new check by express courier and it would arrive within two business days. That new check never arrived. 
To this date, I have not received my approximate {$4100.00}, five months after Wells Fargo should have returned that money to me.
Product: Debt collection

I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from transunion verses from EOS CCA. XXXX  is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX  validated this account like they claimed the balances should match. XXXX  actually deleted this account off my report because they could not validate the account so why is XXXX  still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.