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

Capital One - XXXX  and XXXX XXXX credit card I have checking, savings ( XXXX savings accounts ), and credit cards with capital one - I have been with Capital One checking savings for XXXX years. I liked the convenience of having everything under Capital One 's roof. 

I received a 0 % balance transfer from Savor - my XXXX credit card had a XXXX balance. I transferred XXXX to the XXXX card ( my credit limit is XXXX ) in late XXXX XXXX ( XXXX percent interest rate for XXXX year ). The XXXX credit card had not been used in a while ( XXXX balance on this card ) - I forgot that I had paid off the balance in full, which draws from my capital one checking account. I did not have enough in my checking account to cover the balance- it was rectified the next day. I received 2 letters in the mail stating that my XXXX and XXXX XXXX credit card activity is not consistent with our expectations of usage and violates the Capital One customer agreement. My XXXX XXXX had a {$290.00} balance with an automatic payment set-up. I have never missed a payment and have since paid this credit card off entirely. 

I called Capital One - the first person I spoke with told me I was charged with first-person fraud ; I had never heard of this and asked them to explain, which they could not. I had to XXXX it. The second person I spoke with stated it WAS NOT first-person fraud- it was company policy, and it was in my best interest to pay it off in full. The third person I spoke with could not tell me anything at all- they stated it was just company policy and they couldn't do anything about it. To recap, no payment is due on the XXXX account ; the transfer is less than 60 days old. 

I then went to Capital One Fraud Department, who told me they were just being honest with me - that Capital One had charged me with first-person fraud, it would impact my credit score, and it was in my best interest to pay it off. 

I have no recourse - no ability to dispute this charge, there is no one left at Capital One to discuss this with, and my XXXX and XXXX XXXX accounts were closed. I am now nervous about what power this company has over my banking/savings accounts. I will be moving to another provider and learned lessons about putting everything under one banking company. 

Is there any assistance or advice? I have good credit, make on-time payments, and have over a decade 's worth of Capital One data/history with this company. I am so confused about how I am charged with first-person fraud. 

Capital One has taken my credit cards and my credit score hostage and has told me that it is in my best interest to pay this off ASAP. Once again - I just transferred this late XX/XX/2023, and it is XX/XX/2023. This can not be legal, and I need to understand my rights. 

Please help!
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Date opened Balance Status XX/XX/year>XXXX  {$29000.00} Open. 

According to 15 USC 1666b late payments must be removed from my credit report
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge about them, and the company did them without my permission.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Student loan

I got a letter in the mail stating that I owe {$140.00}. I called the phone number but all they have is an automated system. I asked to speak to an agent to find out why I have an overdue amount, since I've been set up on autopay for years. The robot transferred me to an " agent '', but there was no sound. After 4 minutes it gave me a survey asking how satisfied I was. I called back in and got the same response. The robot tried to get me to pay on the phone but said I owe ~ {$250.00}. Which is it? This bot could not explain why, since it is only set up to take payments. 

I tried to get into my account online but don't remember which password I used. So I filled out the " forgot my password '' form and didn't receive any supposed email with a temporary password until 24 hours later, the same amount of time that the temp password is set to expire. I tried logging in to change my password with the temporary password but it just said " an error occurred ''. This happened on multiple attempts. 

What the XXXX. I'm also confused by the labeling of these documents. The letter I received is from " Aidvantage '', but when I call the phone number it says XXXX. On the emails I receive there is a description at the bottom saying it's from Maximus dba Aidvantage. What a shell game. WHY IS MY LOAN BEING BOUNCED AROUND? I'VE BEEN PAYING FOR YEARS, WHY CAN'T YOU AFFORD TO SERVICE THEM TO A SATISFACTORY LEVEL??? WE ARE PEOPLE!!!! 

The quality of customer service is so bad. So so so bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX 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: Debt collection

I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated
Product: Mortgage

On XX/XX/2016, we locked in a rate of 3.375 % and a lender credit of {$1100.00} from Wells Fargo. They said there should be " no problem closing on time. '' On XX/XX/XXXX, we were told that the person in charge of our case at the bank believed the appraisal had been performed. We did not get a copy of the appraisal until XX/XX/XXXX, close to our closing deadline. The appraisal was low and of the WRONG HOUSE. Our closing date was supposed to be XX/XX/XXXX, but Wells Fargo caused us to miss it by repeatedly requesting and losing the same information and documents and appraising the WRONG HOUSE. 

They also lowered the amount of the loan from {$510000.00} to {$470000.00} because of the erroneous appraisal, and informed us that once an appraisal challenge was lodged, all of our locked-in terms were null and void. The seller had a back-up offer and would not wait, so we had to borrow the difference from a relative and close. They bumped the interest rate to 3.5 % and withdrew the lender credit of {$1100.00}, even though we had opened an account at a Wells Fargo Bank for direct withdrawals as they required. 

We closed on XX/XX/2016 under the new terms rather than lose the house. 

Wells Fargo then began a review of the case at our request. Again, they asked us to send endless duplicated documents and kept assuring us that we would be given a fair decision. After months and months of this, they decided to do nothing to remedy the problem. 

We have suffered financial losses and frustration. I have to believe this is a pattern with Wells Fargo to promise the world and then make sure customers lose on technicalities of the bank 's creation.
Product: Credit card or prepaid card

Approximately a year or so ago I was in XXXX and upon going to the cashier to pay for a high price item I was persuaded to take advantage of a zero interest promotion. I was not inclined to accept as I generally prefer not to have credit cards and this may well have been my first. Needless to say the salesperson was very convincing in making it quick and easy including paperless statements and auto payments. About 6 months ago I received a letter in the mail advising that XXXX were no longer associated with Comenity ( the credit card company ). About a month ago I got an email regarding being able to see my credit report and to my surprise my credit had been significantly affected but I did not know why. Upon research I found out that I had a significant outstanding balance on the XXXX  card and upon enquiry found out I had been charged significant interest from the inception of the transaction. I was totally shocked as this had never been brought to my attention nor being informed of an expiry to the promotion period. Surely there is a consumer right to be adequately informed of such prior to charging excessive interest through a written notice or telephone call rather than purposely letting it lapse and letting time go by including credit impacts and taking advantage of consumers. It is just not fair and a blatant cynical practice to take advantage of consumers. Your assistance would be greatly appreciated in the interests of many people who are being abused through these practices. Thank you.
Product: Student loan

I received a statement from the school outlining aid received. On the statement one of the loans indicated an lgl ( loan guaranteed loan ) The other a guaranteed student loan. Also XXXX XXXX XXXX and Federal Pell grant. Noticed on the Federal student aid Pell grants are not showing for this school. Did some research USA funds were a short term lender ( last resort ) the school issued XXXX normally. That would explain why family members and next door neighbors were getting calls from USA funds to help guarantee a loan. Don't know how an lgl can result in a Federal stafford loan. USA funds put in my financial aid record that the loans were not going to be subsidized. Eventually they got some third party person as to what was disclosed to me to guarantee the loans. This too must failed and the loans became XXXX XXXX subsidize loans however no one could locate a subsidy. When I contacted federal student aid they said if I were 8issued a Pell it would show up. I believe my pell was used to guarantee those loans. Received an incomplete response of copies of letter sent to the Department of Education debt resolutions as outline in previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX, XXXX XXXX and Experian room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX  Nexis I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, XXXX XXXX and Experian need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. On XX/XX/XXXX I asked the credit agencies to send me a detailed report on how these accounts were verified which they have not sent to me. 

Here are the items I am asking you to verify as accurate : Transunion XXXX XXXX  Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX  Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX Account # XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information. They are reporting a judgement for {$120.00}. I have NO clue where this is from. I have tried to dispute them personally and they refuse to delete this information. I have disclosed laws that they are breaking for reporting inaccurate information.
Product: Credit card

I purchased several thousand dollars worth of XXXX XXXX gift cards starting from XX/XX/XXXX-XX/XX/2016 and started purchasing them again this week ( XX/XX/XXXX-XX/XX/XXXX ). On XX/XX/XXXX, I noticed that my gift cards have all been closed. I am the card holder / authorized purchaser on all of the gift cards. XXXX XXXX closed ALL of my gift cards dating back all the way since XX/XX/XXXX-XX/XX/2016 this year without contacting me prior to the closures nor are they issuing refunds. I have called XXXX XXXX XXXX times in the past week and they have not given me any refunds or resolution to the issue. I am now out thousands of dollars because they decided to unlawfully cancel thousands of dollars in gift cards that are n't supposed to expire and are transferable by law and no refunds are in sight. I have called Citibank ( the card issuer ) used in most of these transactions three times now and they have not been of assistance in helping me recover the funds from XXXX XXXX - as I 've essentially lost thousands for nothing. The first call to Citibank, the representative said she would help me dispute all of them - that never happened. The second call representative told me they could n't be disputed since they 're gift cards. The third representative told me she would dispute all of them and issue me a new card and that never happened either. This week 's purchases ( before I noticed ) - I never even received the gift cards I paid for and after this week I noticed XXXX XXXX literally cancelled all of my gift card purchases and never refunded any payment. Both parties do not want to help me and I am out thousands of dollars paying for literally nothing. XXXX XXXX quite literally stole from me.
Product: Credit card or prepaid card

For the past year and half I have reached out to this Comenity Bank for a XXXX XXXX card - They keep missing my whole point stating this is your account we verified it you opened it. Thats not what I disputed - The card was STOLEN and used without my consent! The charges are not mine and fraudulent. They have yet to provide proof of debt validation other than a statement. This provided nothing! That doesnt show someone used my card unauthorized and by federal laws Im protected in this matter. I will now seek legal action if not resolved. They runaround and completely ignoring me is so unprofessional and illegal. You can sent a statement and says there proof. Doesnt work like that in the rights & law.
Product: Mortgage

Servicer, Specialized Loan Servicing, Inc ( SLS ), has confirm the reception of documents various times to be reviewed for Loss Mitigation solutions. On most recent communication, Servicer confirmed the reception of Bank Statements but requested that they be resubmitted to so the Non-Borrowers contribution. Bank statement submitted on previous occasions were marked accordingly to identify ALL Contributions received for the household. Multiple email correspondences can be provided to show that ALL NECESSARY DOCUMENTS HAVE BEEN SUBMITTED ON VARIOUS OCCASIONS WITH FOLLOW UPS TO CONFIRM THEIR RECEPTION. 
Servicer, on multiple occasion has filed to comply with CFPB regulations - additional information will be uploaded describing the servicing process till the appeals and borrower 's action to file Bankruptcy to delay the foreclosure sale.
Product: Money transfer, virtual currency, or money service

Cash app never had a person to speak with in regards to multiple fraudulent charges made from my account
Product: Credit reporting

Student loan information entered XXXX ( same loan amount and acct number listed XXXX times ) on list of owed liabilities on my credit report.
Product: Debt collection

I've gotten multiple phone calls AT WORK from this company. When answering they want me to verify my identity before telling me what this is in regards to. I don't give out my work number so I am unsure as to how they got this information. When I don't want to verify my information before knowing what I am verifying for, he gives me a XXXX number to research and I still don't know what this is in regards to. I don't want to call back and verify for something that is false and I have no idea what it is about.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern and frustration regarding the continuous reporting of invalid negative items on my credit report, which have been disputed multiple times without resolution. Despite my repeated disputes, the reporting practices of TransUnion and XXXX clearly indicate your failure to adhere to your responsibilities under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I am contacting you because the Synchrony Bank PayPal MasterCard has cancelled and closed my Walgreens credit card and PayPal MasterCard accounts, leaving the balance exposed. XXXX and XXXX XXXX believe this is an error, since it is not normal for accounts cancelled and closed by the bank to have an exposed balance, since they were written off as losses. In good faith, I have tried to resolve this matter with both the credit bureau and the bank, but no one has helped me resolve this error. Today, XXXX itself provided me with this means to file a complaint, since I have made many disputes regarding this particular matter and this is affecting my credit score, which is dropping points every day. I hope that, in some way, you will take my side and help me resolve this matter, which is not allowing me to live in peace and tranquility.