23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Capital One because I noticed that they were charging me for XXXX purchases that were supposed to have been paid by redeeming Capital One Miles points. I was advised by the XXXX XXXX rep that XXXX did not submit a request to redeem points, but instead charged my card directly. 

The Customer Service rep offered to make the adjustment, credit my statement and deduct the points instead. However, instead of charging me XXXX credits per dollar, as is the rate for XXXX purchases, she charged me XXXX points per XXXX cents and therefore used up all of my points to make the adjustment. _At no time_ did this representative explain that she would use a different rate of points redemption to make the adjustment. 

After completing the transaction, and ending the call, I realized that she had overcharged me. I called back and another customer service representative explained that if Capital One makes the adjustment, the value is only XXXX points per XXXX cents and that the XXXX points per dollar was only available when making purchases through XXXX. I explained that XXXX XXXX used points through XXXX but XXXX they did not redeem them properly. The Capital One customer representative said there was nothing they could do fix it because I had already agreed to the redemption at XXXX points per XXXX cents. Again, I was not aware that this was the rate she was using. Unfortunately, I also did not realize that I would have to stop and do the math to ensure that the rate of exchange was correct. I trusted the employee to make the appropriate correction based on my expectations as a Capital One and XXXX customer. Without a clear and proper explanation, I feel I have been defrauded of my rewards points. 

The second Capital One rep said that if I had any further problems with redeeming points on XXXX, I would have to contact XXXX. 

As a side note, I did contact XXXX regarding them not redeeming points for previous purchases, but they could not do anything because the transactions were already complete, and the orders delivered. They could only offer help in the future to ensure that points were redeemed correctly. 

I am hoping you can assist with getting Capital One to go back and correct the points redemption to reflect the XXXX points per dollar as offered for XXXX purchases. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I opened an XXXX Citi card in XXXX  with a XXXX XXXX credit limit. I have periodically been offered a limit increase. I have always clicked Not Interested. Today i went online to apply for an increase and received a message that since I had received an increase ( {$500.00} ) in XXXX, i am not eligible for another until XXXX. I did not apply for the XXXX increase. I did not ask for the XXXX increase. I was not informed by Citi that they had given me an increase. I need a larger increase today, not XXXX. My account is clean and paid up. They say too bad, i have to wait. They won't transfer me to US call center. No guarantee that would help.
Product: Debt collection

on XX/XX/2019 Aldous And Associates opened up a collection. 
account number {$130.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Debt collection

Cavalry Portfolio Solutions has willfully reported information on my consumer report without consent. I have repeatedly disputed the information with the consumer reporting agencies with no desired outcome. They have stated that they have verified the information but have all failed to provide me with proper verification as per 15 USC 1692g. I am the original creditor and I have never verified the alleged debt as they are not mine. There willful violations of my consumer rights have cost me multiple extensions of credit which include the ability to purchase a vehicle that is very much needed to get to and from my place of employment as well as severely debilitated my ability to provide transportation to my daughter to and from school.

Cavalry Portfolio Services furnished a report without my express written permission CPS violated my right to privacy and provided factual information on my consumer report.

CPS did not exclude the authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card as per 15 USC 1602 They failed to provide verification to the alleged debt as per 15 usc 1692g
Product: Checking or savings account

I made two payments through my Citibank checking online app XX/XX/ for the amount of {$110.00} and on XX/XX/ for the amount of {$900.00} to XXXX credit card, Citibank sent paper checks to XXXX and XXXX XXXX bank says they never received payment. Ive been back and forth with Citibank and XXXX bank for over a month to try and straighten this out. Citibank keeps telling me its paid and XXXX says they didnt receive it. Citibank sent me copies of the paper checks it has no payee endorsements. I asked Citibank numerous times to start a fraud investigation, it seem like they dont want to. I dont even think Citibank has called XXXX XXXX verify. Please help if you can
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a summons and complaint served to me on XX/XX/XXXX. I went to see an attorney and showed him the paperwork and informed that I never opened up any credit cards. He helped me answer the summons and we asked for verification of the debt they alleged I owe. First off the company that served me was a collection agency called XXXX XXXX. The company sent me what they claimed to be verification. I received an electronic billing statement that contained my name, address, and a partial account number. When they filed suit they did not attach the original contract from the credit card company which is required by law and called the attachment rule. XXXX XXXX also sent me an affidavit which states they bought a pool of charge offs, nothing specific to me. Also the bill of sale affidavit was not based on personal knowledge it was based on computerized books and records and not attached to the affidavit. I took everything to my attorney and we were prepared to request a jury trial. When I went to submit my request, I was informed that XXXX XXXX attorneys requested a dismissal without prejudice. They never even informed me. 

I called XXXX  and informed this very nice representative everything that I stated above. She helped me to place a fraud alert on my files and helped me to dispute all the other accounts that XXXX had illegally placed on my credit file. The company is a fraud and should be blocked from placing these bogus collections on credit reports. The information that they report back to the credit bureaus is inaccurate and misleading and they are purposely destroying consumers credit. Well I am here to expose their wrongdoings and their I unwillingness to request removal of these items they know they are not able to properly validate. When an item is disputed with this collection agency they send the same generic letter which validated NOTHING, then they electronically report back to the bureaus that their information is accurate when it is not. Please see every letter attached and proof that this company is a FRAUD and is non complaint with the law and refuses to follow the rules and laws outlined by the FDCRA. 

I also will be taking them back to court for damages to my credit report and their refusal to remove their accounts from my credit reports.
Product: Credit card or prepaid card

Effective XX/XX/2022, AMEX modified there card agreement that in lieu of automatically getting a {$300.00} statement credit, a {$25.00} credit on a qualifying restaurant purchase is applied monthly. Between XX/XX/2022 to the present, I had no issues with the exception of XX/XX/2022. I purchased dinner at a local restaurant called XXXX 's on XX/XX/2022 ( posted XX/XX/2022 ) at the amount of {$62.00}. The credit never arrived. After calling three times, I was told that they do see the establishment categorizes as a restaurant but for some reason no one I speak with can not issue the {$25.00} credit. 

I called a forth time and they said that they would issue the credit and it would take 24-48 hours to post. It has been longer than two days and I have yet to see the credit posted to my account.

After four failed attempts, I am escalating this issue to the CFPB.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for inaccurately reporting an unidentified account with the account number XXXX. This account is unfamiliar to me, and there is no listed creditor or collection agency, making it impossible to validate the information. Additionally, no other credit bureau is reporting this account. Under 15 U.S. Code 1681c-2, I formally request the immediate removal of this account from my credit report within four days. Based on the comments associated with the account, I can only assume it may be a medical collection. If this is the case, a federal ban has been enacted to remove medical collections from consumer credit reports. Under 15 U.S. Code 1681a ( 3 ), this medical collection is in violation of federal law and should not appear on my credit report. Equifax has a legal obligation to ensure the accuracy of consumer credit reports. The inclusion of this unverified and erroneous account is a direct violation of the Fair Credit Reporting Act ( FCRA ). I expect immediate corrective action to comply with federal regulations.
Product: Mortgage

In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists?
Product: Credit reporting, credit repair services, or other personal consumer reports

A person by the name of XXXX XXXX XXXX at Network Capital called me today offering to do a loan for my home. I told them I was not interested in doing this now, but would be at the end of the month. He asked about my income, and there was some issue with using commissions as income until I worked for 2 years. He said that I need to make more money than I am currently making and that he was going to see what he could do about counting the commissions as income now. I specifically told him that I have no problem waiting for another year. He then asked for my information which I gave to him. The next step I was expecting was a call back letting me know if there was a way to use the commissions as income now instead of having to wait a year.Instead he had performed a credit inquiry using the information I gave him without my authorization. 

I immediately called him to ask him why he performed a hard inquiry without my authorization. I did not authorize him to pull my credit. He never specifically asked me if I would authorize the inquiry. He did tell me that the entire session was recorded, and when I gave him my social security number that in itself gave him authorization. I dispute this. I did NOT give him authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my Global Payments Check Services , Inc., Consumer Report. The accounts and information is all fraudulent, not mine and dont belong to me. I was just released from XXXX after being XXXX for over 17 years. Review the attached documentation. My consumer report should be clean and positive with Global Payments Check Services , Inc., Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Have the credit bureaus remove these immediately.
Product: Credit reporting or other personal consumer reports

The way Experian is handling my nonpublic personal information has be damaging to me. 
Experian continued publishing of my nonpublic personal information with my consent is causing hardship to me and damaging my family emotionally and financially. 

I included recommendation by the CFPB for fair credit reporting practices. 

See attachment.
Product: Money transfer, virtual currency, or money service

Dear Support Team, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was done in error. I would like to appeal this decision and request that you re-investigate my case. 

Firstly, I want to stress that I have not violated any PayPal policies or engaged in any illegal activities. I have always complied with all the rules and regulations set forth by PayPal and have been an honest and trustworthy user of the platform. Therefore, I strongly believe that this limitation was a mistake, and I am requesting a thorough review of my account. 

I am also requesting that you provide me with more information about why my account was limited in the first place. As far as I am aware, there have been no incidents or issues related to my account that would warrant such a drastic measure. I urge you to provide me with a detailed explanation of the reason for this limitation, as it is imperative that I understand the basis for the decision. 

Finally, I would like to request that you restore my account if possible. I am confident that upon re-investigating my account, you will find that there has been a misunderstanding or error, and I hope that you will take this into consideration when making your decision. 

My PayPal account email address is XXXX, and I am available to answer any questions or provide any further information you may require to expedite this process. I would appreciate your prompt response to this matter, as it has caused me significant inconvenience and stress. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

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

According to both XXXX and XXXX, the credit card provider, Comenity Bank, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX XXXX XXXX XXXX XXXX  ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX  account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, R.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and XXXX. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.
Product: Student loan

I had to take out loans to attend college part time from XXXX. 
I attended different colleges. XXXX XXXX XXXX College, XXXX XXXX University, XXXX University, and lastly XXXX XXXX University. 

Therefore, I had subsidized and unsubsidized loans approximately {$39000.00} in repayment. In 2009, due to a work injury, I had major XXXX XXXX and the following years I was unable to work to my full capacity just part time Throughout the process, I contacted Navient and XXXX to go into deferrements or pay reduced amounts. Yet the last 10 years despite many letters I sent to fix/refund lost processing delays, late fees and possible misapplied payments NO adjustment was made to go back and review my loans since XXXX. 

Ive tried through many phone calls, faxes and written letters and nothing was done. Now I would love to redeem their lack of follow through when students go through something this hard. 
Thanks in advance for the follow up. I sincerely hope this can be related to Student Loan Departments so they stop costing students unnessary fees. 

Thank you. 

XXXX
Product: Credit reporting

ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.
Product: Prepaid card

I tried logging into my Reloadit Safe account last night and was not able to gain access so I could unload a card I purchased earlier. 

Now after 24 hours of trying still no access to my account. Reloadit Safe says they sent a email to verify my device but the email never arrived. Made several additional attempts but still no email.Very poor service. This has happened on several occasions in the past by usually resolves in a few hours but not this time. Attempt after attempt just fails. 

Very dissatisfied with the lack of response and ability to contact Reloadit services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$6600.00} XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account XXXX I have no knowledge of this debt I did not receive notice of debt. I did not receive notifications of this debt. I no written contract with this agency. No validation of this debt. 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.