23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX credit cards and a savings account with Capital One. I called earlier today, XX/XX/year>, and requested my last name be updated. At that time all accounts were active on the Capital One app and the representative made no mention of my account being closed. Later in the day the app my XXXX account said closed and my rewards balance of {$120.00} was gone. I called and spoke to XXXX and he stated my account was closed for inactivity. He stated a check would be issued to me for the rewards balance and he would submit an appeal to reopen my account and I would have a response in 7-10 days. I requested to speak to someone to submit a formal complaint because there was no communication from Capital One that there was any issues even though I use the app regularly and have other active accounts. He transferred me and the individual I spoke initially stated they could submit an appeal and if its not approved I could reapply for the same credit card. I told him I dont want to reapply Im concerned about the impact the close account will have on my credit score. He then got upset and told me there is no appeal and no way to open my account. The account was in goood standing along with my other accounts. I asked if there was someone else I could speak with. He stated its the same supervisor group who will not be able to help me so I asked if there was someone I could contact tomorrow and he stated I can contact XXXX XXXX. I asked for his email and he told me to look it up on the capital one site. I asked for the name again and he said I already told you XXXX XXXX the CEO. I asked about my rewards check and he stated I forfeited my money and would not be receiving anything. I was told Capital One sent a letter XX/XX/year> which I explained I never received. My accounts have been in good standing since opened and if there was an issue with me utilizing one credit card account and not the other simple communication would have fixed the issue and I wouldve stated to use both. I called the same day they claimed the account was closed so I dont see why it cant be reopened and why they stole the money I earned.
Product: Credit card

Capital One violated California Civil Code Section 1747.85 by cancelling my credit card without first giving 30 days ' written notice of its intention to do so. 

Capital One is blocking any finding of its accountability under the cited law by refusing and/or failing to provide information on a consumer 's recourse, specifically whether they consent to consumer arbitration as a method of resolution. By refusing/failing to provide such they are thwarting my and other consumer 's rights to fairness and accountability. 

I have tried to ascertain the information on consumer recourse by directly calling the bank and discussing the issue with a representative of the Capital One executive team, speaking to a consumer rights attorney, and by analyzing the card member agreement. All such investigations did not yield an answer as to a consumer 's recourse against Capital One for an alleged violation of the law by Capital One.
Product: Checking or savings account

Received a debit card and a letter from Bank of America stating that I went over the limit on certain withdrawals and transfers from a savings account. I do not have a savings account with Bank of America. 

I called the customer service number on the debit card which I now believe to be fraudulent. I was transferred to the fraud department. I gave my social security address and home address. Numbers I called were : XXXX and XXXX
Product: Checking or savings account

I had XXXX XXXX initially set to build me a new website on XX/XX/year>, because my website had been down for almost a year the worldwide web. The cost for the website and the professional services was {$2900.00}. I had contact chat services and they redirected my website pointing and the next day my website was restored, so I immediately call XXXX XXXX customer service to cancel the order because I had XXXX to cancel the order. The customer service agent said it was above his ability and he had to forward to his superior and that someone would email me and contact me with my refund information within XXXX hours. I filed a dispute with Bank of America via my app because this is my business checking account. XXXX XXXX  someone called a week or so later stating I would have my refund in XXXX business days and to date I have NOT been refunded anything. Bank of America has reached out to XXXX XXXX  and it can take 45 days I was told for this process to be completed but my money returning was not guaranteed because the service never happened. I have recently emailed XXXX XXXX | XXXX XXXX Consultant and he is giving me the run around too.
Product: Credit card or prepaid card

This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. 

Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. 

Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. 

XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX   company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. 

I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!
Product: Debt or credit management

I signed up for debt relief with National Debt Relief after a series of banks deliberately weaponized the XXXX system and destroyed my credit score ( all of which is documented on the CFPB website ) and I have never been able to financially recover from this devastating blow and I was forced to enroll in a debt relief program or file for bankruptcy. I agreed to a bi-weekly settlement that totaled about XXXX dollars a month. I also put XXXX XXXX  money in the account to start with. I agreed to some of the settlements of some offers but some were so low that I could not agree and I constantly complained to XXXX about the fact that these banks and credit card companies are the reason I am in this situation and it that it was unfair that I should have to pay anything at all to the very criminals that I was complaining about that had blatantly been retaliating against for over 2 years. And then just last week XXXX attempted to make me pay XXXX dollars more per month to cover a short in funds that arose due to their mismanagement of my account. They are requesting in total another XXXX XXXX dollars and want to increase my bill an additional XXXX dollars a month or XXXX every XXXX weeks I told I could not afford the monthly withdrawals as it was and explained I did not have income and that they are depleting my savings that I am living off of and now they are asking for more with no explanation as to what happened to the seed money or the or funds that were supposed to be spread out over 3 years to cover the entire proposal. I refused the increased settlement offer at first and they tried to negotiate with me and said that they would only take out XXXX dollars a month and I reluctantly agreed to the increase of XXXX per month but what he meant XXXX dollars every XXXX weeks so instead of XXXX it was XXXX extra a month and when I saw the new proposed pay rate he sent in an email I refused it and told him he bait and switched me and I did not approve the settlement offer at that time I was so angry I hung up on him. Then XX/XX/XXXX, an extra XXXX dollars was taken out of my account without my consent. 
I demanded a refund and sent them a Cease and Desist letter. This is unacceptable I am a victim of these banks and this company is working with these criminals to scam me now too on their behalf!! I don't feel I should have to pay anyone for anything at this point my debt should have been forgiven and my credit restored 2 years ago when I first launched the complaints against the banks and XXXX. But since this agency is incompetent, corrupt, and incapable of doing the job expected of them, banks, and credit reporting agencies and now credit management companies can break the law with impunity.
Product: Debt collection

XX/XX/2018 {$530.00} have a derogatory remark on credit would like this account removed off credit report
Product: Credit card or prepaid card

Purchased item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX on XX/XX/XXXX, item was marked delivered on porch and released by driver. I had not authorized XXXX to release the item at it was on their discretion to allow their carrier to do so. Contacted discovered initially on XX/XX/XXXX after I noticed the item had already been delivery, but I did not receive the package and wanted to start a dispute. Received noticed on XX/XX/XXXX from discover stating that the case was resolved in merchant favor and I should have received noticed via mail along with documentation. Called discovered on XX/XX/XXXX at XXXX and talked to a representative by the name XXXX , she stated that I should have received documentation via mail, but confirmed that discover failed to sent out the set of documentations and she would escalate the case again. On XX/XX/XXXX via the discover portal I was notified that the dispute was resolved in merchant favor even though the documentation was barely readable and still noted that the item was left at porch and released by the driver. No new information was provided by XXXX.
Product: Credit reporting

XXXX has filed XXXX separate times with XXXX separate collection agencies, each time I 've disputed the acct, its been deleted off XXXX, equifax & XXXX XXXX, now they 've reported me again ( or I assume sold my acct ) with a different XXXX again called enhance recovery company, I 've continuesly disputed because this does not belong to me, I ca n't even dispute it with equifax because for some reason I 'm locked out of my report & I 've disputed it at least twice with experian but they just leave it there, funny thing is about experian a couple disputes of mine only took them one day to come back with their decision, I ca n't believe it took them one day, anyway I 'm so tired of fighting them, no matter how hard I try, my score has gotten so low, like XXXX & XXXX, from XXXX & XXXX, not the greatest but every time my acct is sold and placed again, it keeps XXXX it, help ... 
Ty, XXXX
Product: Student loan

Today my lender increased my private student loan payment, without my knowledge or consent. As it was before I was struggling to make the payments, and when I tried to reach out for a way to negotiate payments or change the payment plans, they told me that my loan did n't qualify for that. I also think that they might be underestimating how much money I pay in interest on my XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history. As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. I demand that TransUnion immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.
Product: Debt collection

On XX/XX/2022, Alliance One first contacted me but failed to identify the they were a debt collector, they did not leave a message. I unsuccessfully attempted to contact them on XX/XX/2022 and XX/XX/2022, to inquired about the nature of their call. On XX/XX/2022, I received notification that Illinois Department of Revenue was involuntarily withholding {$110.00} from my payroll. I spoke to Illinois Department of Revenue and they indicated that the payroll deduction would settle the debt that i had not previously been aware of. On XX/XX/2022, Alliance One again contacted me by telephone and again failed to identify the they were a debt collector, they did not leave a message. On that date I spoke to a representative that only identified herself as a debt collector after I specifically asked her. At that time Alliance indicated that they were collecting on a {$110.00} tax debt owed to the Illinois Department of Revenue. I explained that the matter was already resolved. The supervisor I spoke to indicated that their file would be notated and closed. My phone records indicate that Alliance One attempted to contact me on XX/XX/2022, but the call was automatically declined and did not attempt to contact them. Today, XX/XX/2022, Alliance One again contacted me but failed to identify the they were a debt collector, they did not leave a message. As is stands I called them back six times and asked them to acknowledge that they are a debt collector before providing personal identifying information, however each representative has refused to acknowledge that they are a debt collections identifying them self only and a financial company, even after I explained that I was aware of their company as a dept collector and that failing to identify themselves as a collector was a violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im an authorized member on my husbands credit card with US Bank. Since I have been added as an authorized user I have received a credit score. Recently in XX/XX/XXXX there was a missed payment on the credit card which resulted in US bank not reporting my payment history to the credit bureaus. I had a credit score in XX/XX/XXXX and then starting in XX/XX/XXXX my score was removed. I contacted US bank about this 5 times but nobody is able to explain what is happening or what the solution for this would be. I sent a letter to the banks dispute department but they only responded to confirm that my information is not being reported to the credit bureaus, no fixes, no updates or anything. Currently I am still an authorized user but the bank is still not reporting to the credit bureau on my behalf
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

Pending civil unlimited discrimination case against Capital one against a XXXX  person, withholding ALL my credit card accounts and 360 checking account which is under a separate complaint herein. 

As XXXX XXXX aka XXXX XXXX is one and the same and has informed Capital One of this and provided documentation. 

Each and every call will be recorded as XXXX  is a 2-party state thou I am presently in XXXX  attending XXXX XXXX, thus a 1 party state, but I don't have to let you know and i record each contact to show the pattern of abuse by Capital one. 

Below are a list of my credit card accounts Capital One is illegal withholding as I have had them for years and they allege fraud which is a discrimination against a protected class of persons in XXXX  leading to harm against my reputation as a XXXX XXXX  and previous XXXX XXXX XXXX XXXX XXXX who is familure with credit card fraud. 

Thus, we suggest you tread carefully here, as we are filing a XXXX tort case for discrimination, IIED, negligence, etc. 

Under XXXX XXXX : Captial One debit Card : XXXX XXXX XXXX XXXX Capital One Savior Card XXXX line : XXXX XXXX XXXX XXXX XXXX line Capital One XXXX XXXX line : XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line Capital One Savior : XXXX XXXX XXXX XXXX XXXX line Called Capital one today at XXXX hours talked to XXXX  this day, XX/XX/2023, refused to talk to me due to recorded line. count 2 negligence as Capital One can record but a victim can not? negligence on the part of Capital One. 

Again, for the forth or fith time, copy of my legal name change and ID provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled and Westlake financial is still reporting to the credit bureaus as a balance owed and delinquent. I have disputed this many times.
Product: Credit card

Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line.
Product: Debt collection

I am in receipt of AMCOL SYSTEMS offer, dated XXXX XXXX, XXXX, however, I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. 

Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond to CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, stand as a Default Judgment and Declaratory judgment, of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX created Summary judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX. Failure to rebut or continued acquiesce, failure to address, answer or respond to Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created an AFFIDAVIT OF NON-RESPONSE, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made an inquiry without my authorization
Product: Credit reporting

XX/XX/XXXX I RECEIVED A COPY OF MY CREDIT REPORT FROM TRANS UNION DATED XX/XX/XXXX WHICH IS ATTACHED. I DISCOVERED NUMEROUS ACCOUNT REVIEW MADE BY XXXX FROM XXXX XXXX XXXX. XXXX INQUIRIES WERE MADE XX/XX/XXXX, XXXX INQUIRY EACH MONTH PRECEDING XX/XX/XXXX. I WAS TOLD BY THAT NOTHING COULD BE DONE ABOUT THESE INQUIRIES SINCE I HAD AN ACCOUNT WITH THEM WHICH IS AND WAS NOT TRUE. I EXPLAIN TO TRANS UNION THAT I DID N'T HAVE ANY BUSINESS WITH AND AGENCY AND THEREFORE THEY HAD NO VALID NEED OF MY CREDIT INFORMATION OR ACCESS TO MY CREDIT FILE.I AM APPEALING TO YOU STOP THIS PRACTICE AND ENFORCE THE FAIR CREDIT REPORTING ACT. I HAVE HAD SIMILAR PROBLEMS BEFORE AND THE XXXX RESPONSE WAS " WE CA N'T MAKE THEM RESPOND TO US. '' THEREFORE NOTHING WAS DONE TO PROTECT MY RIGHTS BY THIS STATE AGENCY, THIS WAS DONE XX/XX/XXXX
Product: Debt collection

ON XX/XX/XXXX, I CONTACTED XXXX REGARDING AN INCORRECT ADDRESS ON MY CREDIT REPORT, I WAS INFORMED BY XXXX THAT ONLY XXXX XXXX XXXX CAN REMOVE THE INCORRECT INFORMATION. MY ADDRESS IS NOW SHOWING ON MY CREDT REPORT AS XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX I NEVER LIVED IN XXXX GA. I THEN ATTEMPTED TO CALL XXXX XXXX  THAT GAVE ME THE INFORMATION TO CONTACT FIRST NATIONAL COLLECTION THAT INFORMED ME THAT THEY CAN NOT CHANGE THE ADDRESS XXXX XXXX HAS TO CHANGE IT. I ASKED WHY BECAUSE THIS ADDRESS WAS UPDATED RECENTLY BY YOUR AGENCY SHE THEN STATED THERE IS NOTHING SHE CAN DO. NOW MY MAIL IS BEING SENT TO AN ADDRESS THAT IS NOT MY ADDRESS SHE WAS ONLY CONCERN ABOUT CHANGING THE CORRECT ADDRESS SO THEY CAN CONTACT ME. I ASKED THAT SAME WAY YOU ENTERED THE ADDRESS ON XXXX SITE YOU CAN UPDATE THE CORRECT ADDRESS I THOUGH YOU ASKED FOR AN UPDATED ADDRESS TO CORRECT THE ISSUE SHE SAID AGAIN THERE IS NOTHING WE CAN DO CONTACT XXXX OR XXXX XXXX. I NEED THAT FALSE ADDRESS REMOVED BECAUSE I HAVE MAIL GOING THERE NOW. ALSO THEY BEEN SENDING MAIL TO THAT ADDRESS I NEVER RECIEVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For four years, I did not know a child existed, let alone was mine. In XXXX of XXXX, I found out I was a father and I was put on child support. On top of my current child support that was ordered, the courts applied back child support for the years I missed birth to XXXX XXXX My monthly payments are around {$470.00} a month. This was to start in XXXX of XXXX by wage garnishment. So every month about {$230.00} every two weeks is deducted from my wages and applied to the total of this new child support bill. With the garnishment in full effect, I have not been late or missed any payments. However, the company reports missed payment every month since XXXX of XXXX. I have notified them of this three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) in writing and once over the phone. Every time I am told this is accurate with no further explanation. I have contacted the credit bureau and I have documentation of them saying the information was fixed by them but the company keeps re-reporting it. This is ruining my life and plans that I had. My credit score has plummeted and I am barely able to get through life.