23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around XX/XX/XXXX or XXXX of XXXX, I attempted to attach an external account to my Apple Card connected Savings account ( XXXX XXXX  ). For whatever reason, XXXX rejected these test deposits and my savings account went into a restricted mode. I reached out via messaging and was told to call ... which I did ... but the initial representative claimed they did not see a restriction on the account. So I ignored it. I received a few more emails regarding the matter... but figured I would call when I had the chance ( I was dealing with a death close to the family, as well as some personal struggles. ). 

At XXXX est, I received the devastating email stating that my account had been closed. I used this card consistently, it had been my go-to card for just about every one of my daily expenses. The email stated that my account had been closed for " failure to comply with the terms of the Customer Agreement '' ... but re-reading said customer agreement, I can't find anything that I may have violated. I honestly considered myself to be a decent customer as I had never missed a payment and, in most cases, have paid the entire balance off pretty regularly. For anyone reading the published version on this site : No, I had never purchased crypto or anything remotely in that category. I used this card for like XXXX and XXXX purchases as well as the occasional trip to the gas station and grocery store. I also can no longer access my purchase history, to see if my account had been hacked or a fradulent purchase may have triggered it.

Reaching out to customer service has been... unhelpful to say the least. Everyone has been super nice. But when I called regarding my Savings account still being locked... they said they had no idea what could've happened. Talking to them about my Apple Card closure, they seemed to think that I initiated the closure ... which is absolutely not true. At the time, I also had also told them I wasn't looking to reinstate anything... but spending some time reflecting... I am looking to be reinstated. It would be unfair to me, for my credit score to take a massive hit for what I assume was a mistake.

I am looking for an explanation on what happened in regards to my Apple Card and Savings accounts, as well as being reinstated or having any potential negative remarks removed from my credit report.
Product: Credit card or prepaid card

I have been double charge for my balances. When I enrolled for auto-pay I was under the impression that if I made a early payment the auto-pay feature would see a XXXX balance. 
It does not see that in fact capital one fail to inform me that this is happening. I believe capital one has their software design that way and here 's why. I have been making double payment several time because I paid early you would think that would make capital happy. At some point I realized my bank statement showing payments to capital one for the same amount. Call capital one customer service and informed them that they drafted {$4100.00} of over payment. It was clear to the representative I was correct. after a long wait to come back on the phone they said it could not be refunded due to the number of days that it wasn't disputed. So their using this policy to hide and avoid paying me what is morally right and do the right thing and to keep their customer happy. This is the reason why I believe capital one uses and will not improve program algorithm to not update balance status and I'm a clear example why.
Product: Money transfer, virtual currency, or money service

I had a credit card issued by XXXX XXXX from the EDD. My card was hacked, and XXXX XXXX closed the account and sent me a check for the remaining money on the account. I received a check today ( XX/XX/year> ) and tried to cash it but it wouldn't let me. I tried to contact XXXX XXXX and they did not give me an answer
Product: Credit card or prepaid card

I am very disappointed that i am having to go through this process once again. I recently called Capitol One about my two accounts and explain that my business has been severely affected by the COVID19 coronavirus in early XXXX. Upon speaking with a representative and explaining the situation i was told i would be receiving relief from my two accounts until i believe either XXXX or XX/XX/2020. It is now XXXX had i just got an alert via my credit report that i have been late on payments and my score has now dropped XXXX   points on all 3 reports. I was in the middle of refinancing my home to balance out debts and i wont be able to do this now.
Product: Credit reporting or other personal consumer reports

This is my first 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. 
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Product: Debt collection

I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my fraud identity dispute with the FTC report, notarized affidavit and a police report and Transunion and XXXX are still reporting information from the result of fraud. Their response to my previous complaint states they are still working on it ; however, the FCRA 605B ( 15 U.S.C. 1681c-2 states the information should be blocked within 4 days. As you can see, this investigation has taken over a year and I keep getting the same response this account is verified. Well Transunion and Experian are in violation at this point and they wont even send me the documents or details that they have to keep verifying these fraudulent accounts. I feel like my disputes are being handled by a machine and they are not following the rules which prevents me from having a fair investigation. I demand proof and to have the accounts listed in the dispute blocked immediately, all 3 bureaus have had much more than 4 days to block this information and finish their investigation. I followed the rules and so should they or there will be a lawsuit filed if I receive the same response again.
Product: Debt collection

I have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked XXXX. He said he was from the legal department of a company called HFS and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by XXXX regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have XXXX proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.
Product: Debt or credit management

There are accounts opened in my name from addresses other then mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Transunion updated information regarding my current employer as well as my only name that should be reported on my consumer credit report. They left the Also Known As name and instead of including all my employers, they included XXXX of XXXX of my current employers and left an employer I no longer work for dated back in XXXX. That impacts my ability to get financing as it is not consistent with the applications I applied for. 

I have a XXXX XXXX account for over 10 years in good standing and it is not reflected on my Transunion nor the XXXX report. 

I have a XXXX ( in XXXX ) and XXXX ( in XXXX ) account in good standing in over 9 years for XXXX and 22 years for XXXX and it is not reported in XXXX and XXXX respectively. 

Since 35 % of my score is contingent upon credit history, these accounts not being reflected on the credit bureaus it is impacting my overall score and ability to qualify for financing. 

There are collection items showing up on my report. I requested a comprehensive Full File Disclosure. They have willfully chosen to be in noncompliance of the law to make their best attempt to investigate and provide me full disclosure of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only on my XXXX credit file, it shows I have a late payment for a Capital One card ending in XXXX that I have closed and I know I made a final payment before it closed. The late payment only shows on my XXXX and not my XXXX or XXXX credit report. I do not believe this is fair because I have never had a 30 day late payment on any of my credit accounts. I have dispute the results with XXXX and they have told me that the missed payment is correct even though it is not. After that I have called Capital One customer support and they have confirmed with me that a payment has been recieved. I was then informed to send a letter to Capital One which I have and received a letter stating that the missed payment is still accurate. I don't know what my options are now to get this removed.
Product: Credit card or prepaid card

I'm currently XXXX XXXX, so I wasn't able to get in touch with them to make a payment. So my bill was overdue 30 days and Macys then lowered my credit line. This forced my credit score to go down 60 points.
Product: Debt collection

These debts was not authorized by me and I need them removed off my credit report
Product: Checking or savings account

On XX/XX/22 I made a purchase online with XXXX 's in the amount of XXXX which was subsequently canceled a short time later by them. Upon receiving the cancelation email I called their customer support and they assured me that the money has already been released for refunding and to contact my bank. When I called my bank they told me that they can see XXXX 's has indeed issued the refund and it would take 3-5 business days to see my money. 5 business days came and went yesterday XX/XX/22, when I noticed I still have not received my money I called my bank back. I was told there is nothing they can do to speed up the process or to honor their prior promises and that I can be rest assured the money would reflect last night. Well now past the promised 5 business day and still no money I called back again, this time I was told yet again that their is nothing they can do to assist me and that now it may take 7 business days for me to receive my funds back in my account. None of the representatives seemed to be compassionate or bothered to look to see what my options were to resolve my matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported to credit bureaus I was late more than XXXX date in XXXX and XXXX. And that is incorrect. I called and was told I can not speak to a dispute rep. And the supervisor seems it valid. Even though I made the payments. The XXXX month I was late was XXXX and thats not reported. Ive attached payments for both XXXX and XXXX shown less than 30 days in the billing period
Product: Credit reporting or other personal consumer reports

I have tried already to multiple times to remind XXXX XXXX the XXXX XXXX in place but they still refuse to remove the late payments, while other credit companies have. 


XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN VIOLATES THE FCRA, DODD-FRANK AND CONSPIRES WITH THEIR CLIENT XXXX XXXX TO VIOLATE THE FDCPA. 
POST MULTIPLE DISPUTES EXPERIAN CONTINUES TO DEPICT XXXX XXXX XXXX BOTH INACCURATELY, AND INCOMPLETELY, IN IGNORANCE OF THE FCRA. 
ATTACHED IS YESTERDAY 'S XXXX DEPICTION ON A HARD COPY EXPERIAN REPORT.WHAT THE DEPICTION CLEARLY SHOWS IS THAT XXXX XXXX  INSTALLMENT LOAN LACKS A MONTHLY ACTUAL PAYMENT OR SCHEDULED PAYMENT. {$0.00} DOLLARS IS INACCURATE AS DEPICTED ... .. 
AND THE MONTHLY PAYMENT OF AN INSTALLMENT LOAN IS IMPORTANT REQUIRED INFORMATION TO ACCURATELY DEPICT ... XXXX 
WITH THE PAYMENTS MADE AND THE SCHEDULED PAYMENT, THE LOAN INITIATION FEE ( PRE-PAID INTEREST ) THE LOAN APR INTEREST RATE CAN BE DETERMINED FROM THE CREDIT REPORT.THE FIRST YEAR INTEREST RATE CALCULATION APPROACHES 150 PER CENT APR.THE CA SUPREME COURT IN 2018 CALLED THIS LOAN, FOR ITS INTEREST RATE, " UNCONSCIONABLE '' AND UNENFORCEABLE UNDER THE CA BUSINESS AND PROFESSIONS CODE. 
SO ... .STATING COMPLETE CREDIT INFORMATION WOULD FACILITATE THE MATHEMATICAL COMPUTATION OF INTEREST RATE ON A NOW ADJUDGED UNENFORCEABLE LOAN IN ANY COURT OF COMPETENT JURISDICTION. 
EXPERIAN 'S CLIENT IS A FRAUDSTER OR AT LEAST THE CALIFORNIA SUPREME COURT BELIEVES SO IN XXXX XXXX XXXX XXXX XXXX, WHERE THIS CLASS OF LOANS ( XXXX DOLLAR LOAN ) WAS ADDRESSED BY THE COURT.
Product: Mortgage

I have a Mortgage with PNC which I am paying off. In the payoff statement they included a charge of {$390.00} for " Outstanding corporate advances ''??? When I called customer services, after 1 hr on the phone the representative could n't find any justification for this charges, then the supervisor joined the call and confirmed that THEY NEVER NOTIFIED MY OF ANY OUTSTANDING CHARGES, and that they have NO evidence of ever contacting me about any pending charges, she then said that they have the right to charge whatever they want because of the " language '' specified in the Security Deed, of which allows then to charge any miscellaneous charges they want, but she was not able to tell me where in the Security Deed says that nor to specified the referred charges. 
This is a typical abuse from Mortgage companies, that suddenly want to charge extra fees when I am paying off the mortgage. Very disgusting and unlawful business practices.
Product: Bank account or service

On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona. 


My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this is a scam text : FINAL REMINDER : Equifax Has Flagged Your Account For Unusual Activity, Last Date To Resolve, XXXX XXXX XXXX XXXX
Product: Debt collection

I am not sure what the debt is for, but HUNTER WARFIELD INC, has not attempted to contact me at all before reporting it to my credit. I have not received a letter, phone call, or email. I attempted to call them but it went to voicemail. I have no idea what this is about and they should have contacted me before negatively affecting my credit. 

Thank you
Product: Debt collection

I have been getting a large amount of phones call from multiple numbers for wedt asset management ( only reason i know its them is i googled the number ) never leave a vm. When i answer the call it says please hold and transfers or is an automated system. Previously i have advised this company to stop call me on multiple occasions. I have no clue why they are calling as i have never reicived a notice in the mail from them. I want the harassing to stop!
Product: Debt collection

Received a text from XXXX This is a Mercantile Adjustment Bureau , LLC, an professional debt collector. 
Please contact us regarding XXXX ref # XXXX at XXXX or visit our website : XXXX XXXX XXXX  to access your account information or make payments. 

This is a scam
Product: Credit reporting

On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account XXXX XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 

XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX. Removed and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
Equifax XXXX XXXX Item Status : Item latest removal was XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

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

On XX/XX/XXXX I received an alert that there was an new credit account on my credit report for a company called XXXX XXXX in XXXX Wisconsin. I immediately put in a disputes with all XXXX bureaus, had a freeze place on my credit reports and a XXXX alert placed on my credit reports and made a police report. I called XXXX XXXX about this account because I assumed it to be opened fraudulently upon speaking to XXXX XXXX and then a XXXX XXXX at XXXX XXXX I was told that the account did not belong to me that it belonged to another person with a similar name as mine this person also lives in another state. A state that I have no association with. After a 30 day investigation XXXX removed the item and address off my credit report stating that after their investigation it was found that the account did not belong to me. Yet Experian and XXXX refuses to remove the account or address off my report stating that the account is being reported as mine from the creditor and is associated with my social security number which is not true. I contacted the company XXXX XXXX again on XX/XX/2023 and was told that the account was not mine and that they are not reporting the account as mine that it belongs to another person with a similar name as mine and that the Experian and XXXX have made a mistake in there finding. I have been trying to get this taken care of for the last 3 months and both companies Experian and XXXX refuses to investigate this properly. If they did their investigation properly they would have found that I have never lived at or have any association with the address belonging to the account and that the company XXXX XXXX does not have me on file as having an account with them. These companies are refusing to investigate properly and will not remove the address or account that does not belong to me from my credit report.