23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint regarding Capital One 's handling of an unauthorized account opened in my name, which has negatively impacted my credit score during my mortgage application process. This issue is causing significant financial harm, and I urgently need your assistance to resolve it. 

In XX/XX/year>, I contacted Capital One to request a credit line increase for my existing account. During that interaction, I discovered that an unauthorized second account had been opened in my name with a {$300.00} limit. I immediately informed Capital One that I had not authorized this account and did not want it. The account was closed the same day by a customer service representative. 

Despite the closure, this unauthorized account was reported to all three credit bureaus as a paid and closed account, which I never authorized. This reporting has caused a drop in my XXXX  scores, which has impacted my ability to qualify for a mortgage. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c ( a ), credit reporting agencies are required to ensure that only accurate and authorized information is included in consumer reports. Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information ( like Capital One ) must not report information that they know or have reasonable cause to believe is inaccurate. 

I disputed the account with Capital One and was provided a case number. I also submitted disputes with all three credit bureaus. Despite this, I received conflicting responses from Capital One, including a request for information on the unauthorized account ( which I do not possess ) and confirmation that the account was paid and closed a misrepresentation of the facts. 

This situation has created an undue financial burden as I am in the process of closing on a home. My lender is scheduled to repull my credit on XX/XX/year>, and the erroneous reporting of this account jeopardizes my ability to proceed with the purchase. 

I am requesting your assistance to enforce compliance with the FCRA by requiring Capital One to : Immediately remove the unauthorized account from all credit bureaus to correct the inaccurate reporting. 
Provide written confirmation that the account has been deleted from my credit profile. 
This matter is time-sensitive, as the delay in correction will directly impact my ability to secure a mortgage and move forward with my home purchase. 

Thank you for your prompt attention to this matter. Please let me know if you require additional information to process this complaint.
Product: Credit reporting or other personal consumer reports

Section 623 of the Fair Credit Reporting Act requires that a company provide documentation or the account must be deleted. This account was deleted and reinserted and I wasn't notified by letter within 5 days. Please delete this account.
Product: Payday loan, title loan, or personal loan

I did not apply for this loan. I informed the loan officer I did not want a hard inquiry. I was told if I submitted some information, they would be able to determine whether or not I have a good chance to be approved for a personal loan. I submitted the requested information. However, they processed the loan without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I, XXXX XXXX tried to login to Equifax to view my credit report for free via Equifax website prompts ( clicks/hyperlinks ). I was redirected to create a paid membership with an entry price of {$4.00} for the first month and continued monthly fee of {$19.00}. 

I started this at XXXX ( XXXX ) eastern time. I answered the verifying questions and was directed to the credit card payment. I would submit my payment and would be sent an email within minutes stating that my membership status was failed. I tried again at XXXX, XXXX, XXXX, and XXXX. I spoke with an associate about not being able to login on to the membership and receiving a failed message. The associate tried to create a membership at XXXX XXXX and XXXX and received the same error message on her attempts. The associate created a ticket to fix the issue. I was told by the associate that I would be provided a written notice of the fix and a phone call as I requested stating it was fixed as well as other verification issues that I had been experiencing with Equifax. When dealing with entities that use Equifax it was made to where I had to fax my information to the verification department and no one ( associate ) could explain to me way I was having to do this and what could be done to fix the issue. 

I would like a refund of the {$19.00} membership fee charged to me because I didn't not give authorization to create the membership without being notified via phone call of the membership and the verification issue that caused the problem. 

Supervisor XXXX XXXX, stated he was the highest-level supervisor on the floor, highest level supervisor I can speak with, and he was with personal solutions. When asked to speak to his manager and I will not be able to get a refund because no one notified you of my membership going through. I was never involved in the resolution and want to know what was wrong with my account. I want customer service. I had the same attention as they would provide an entity that use their bureau services on consumers if they would be having an issue with billing. 

And I want the called reviewed to hear the associate state that I would be given a call back when the issue was fixed. I got told everything I wanted to hear to create the membership and I was told nothing about the mistakes from the associate not calling to advise of a resolution. Everyone has to use credit bureaus and credit bureau roofless with consumer needs and resolutions. Consumer are engaging with the credit bureau to fix things they should be helpful to consumers. The economy would be better more buying power if people could fix their credit. Who want to take a loan out with a high interest rate? It stops you from buying a car you will pay cash and fix it up as needed until your credit gets better. I just want my money back because I feel like I was intentionally misled ( told things ) knowing that I don't have much of a win with complaining or resolving the membership charge.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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
Product: Debt collection

ERC is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Student loan

Mohela is my current loan servicer on my federal student loans. I have been working for the XXXX of Wisconsin for over 25 years all in public service and have made more than the required XXXX payments under the XXXX program. They say I have only made payments that total XXXX and am short of the XXXX but during XXXX payments were put on hold and we were supposed to get credit for those payments. 
If and when those months are counted towards the XXXX I would easily be forgiven. Also I have never received although I have asked during numerous phone calls in the months of XXXX and XXXX on what is the hold up. 
I have also made payments to NAVIENT which was my other service provider prior to consolidation with Mohela and under the rules, I was supposed to receive credit for all these payments as well. Mohela told me they would look into it and get back to me but they just send empty messages that don't directly answer my questions. I have also started repayments again on these loans under the PLSF but I feel I have made more than the XXXX payments and should be receiving money back for overpayment. The customer service is lacking at Mohela, when I called in XXXX I was on hold for over XXXX minutes and then received a person who was getting trained as my support staff. I knew more about the program than she did. Totally unacceptable. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union deleted a good standing credit card from my report. I lost over 100 points because of this. The card is XXXX XXXX
Product: Credit card or prepaid card

Hello and thanks for your great service wish I knew all that early I would contacted you. I could not find any other option available to send my message so I chose this option, sorry. I lost my two Capital one accounts due to job loss inability to keep up with growing late fees interest etc. I had informed spoken to numerous account managers etc. About the time I called in my accounts were closed some 5 days earlier. To prose a payment plan XXXX per month on wax account was agreed by account manager back in early XX/XX/2019. I had explained to her I did not want to lose my accounts and hoped I could pay down the debt starting in XXXX. I requested her to send me a letter within new agreement she'd agreed I could pay the cards down and also agreed to lower the balance regarding the late fees etc. I was happy I had accomplished something here. But by the time XXXX came the letter she'd said she would send never arrived I was never contacted in writing or otherwise. I had an open relationship they in the past were open to talk and any other related my issues with work and any other issues. I was completely ignored it seemed. I don't want to get overly personal but dromedary I had revealed to them with work and other things Believe they could of handled this in a better way instead of lying and ignoring me. After we agreed to work on this account patient agreement. I don't know what you can do but I have more info and I was only acting to hopeful repair the accounts and debt with someone who identified her self XXXX the agent for Capitol One. Thank you again, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

Matter went to litigation in XXXX District Court with Plaintiff named as the original named creditor on my credit report. Upon review of my Answer ( denial of the allegations made ), Creditor consented to a full and final Dismissal With Prejudice. This matter has been Ordered Dismissed With Prejudice and without costs to either party by the Court. A copy has been uploaded to the Credit Reporting Agency but still remains on my credit report. This fraudulent debt should be completely removed from my credit report immediately.
Product: Prepaid card

On XXXX XXXX, 2015 I made a purchase on XXXX. I went through paypal to make the payment with my credit card on file. On XXXX XXXX, 2015 I received a notice that paypal had ran a credit check on me which I did not request or authorize. On XXXX XXXX I received an email from Paypal Credit saying that they had approved a credit line for me for {$1200.00} Again, I never knowingly applied for a credit line. Why would apply for a credit line for a {$38.00} purchase that I could use my credit card for? I called paypal through XXXX to report fraud today, XXXX XXXX and paypal told me it was for my purchase on toyrus.com and they would immediately close my account. They claimed that I would 've had to go through the process of filling out an application for an account which I never did. I still have to go through the process of paying the balance because they would not take credit card payment, they would only take a bank account payment so I have to wait for them to send me a paper statement.
Product: Money transfer, virtual currency, or money service

I've been XXXX XXXX thru PayPal as a XXXX XXXX and I've had an incident where someone would buy a specific item like a XXXX XXXX XXXX XXXX and file and refund claim thru PayPal stating that they never received the item or stating that the item is not as described which PayPal would be on the buyer 's side even if there wrong and receive a full refund and I would have to pay charge back and this incident happen twice which had gotten my PayPal account permanently banned for fraud activity The first incident happen on XX/XX/2021 refunded {$340.00} Second incident happen on XX/XX/XXXX refunded {$520.00}
Product: Credit reporting

I paid for a FICO score with Experian for XXXX dollar. They did n't give me a my score, because they said I was un-score able. I ask for my dollar refund and they said no refunds. I said your advertisement do n't mention if you were un-score able there are no re-funds.
Product: Debt collection

There is a XXXX XXXX account ( XXXX ) on my credit report that should not be reporting on my credit. This account is very old and I have not lived at those apartments for over 10 years. The collection agency who bought this debt, Southern Management, is also trying to charge me an amount that has been grossly inflated to what the original amount was. They are trying to say I owe them {$4900.00}! I have disputed this numerous times and I have not been provided with evidence nor a detailed explanation showing how XXXX calculated what they say I owe. According to the Fair Debt Collection Practices Act, Section 808 : " A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. '' Any collection fees or interest that have been added by XXXX is unlawful and they should not be reporting this account to my credit this way.
Product: Credit card or prepaid card

Target is reporting some inconsistencies on credit report. One XXXX  they report 10 late payments, but XXXX  & XXXX only 1 late payment. All 3 credit reporting agncies should have the correct late payments on all 3 reports. There are alot of inconsistencies with that.
Product: Checking or savings account

I deposited {$1000.00} at the Chase Bank Drive Thru ATM at XXXX XXXX XXXX, XXXX XXXX, TX at XXXX PM on XX/XX/year> using my debit card ending in XXXX. The {$1000.00} was in XXXX {$100.00} denominations. I heard the sound of money being counted by the ATM. However, the money never showed up in my checking account, and the ATM did not return the money. I received a printed receipt from the ATM that said, " To be sure your deposit went through, please call us at XXXX. XXXX. '' Immediately after, the ATM displayed a message indicating it was no longer accepting or dispensing cash. I called the number while still at the location, and Chase created a claim, stating that a financial representative would investigate the issue.
Product: Money transfer, virtual currency, or money service

The day I was moving from XXXX  to XXXX, I had listed my washer and dryer for sale for {$200.00}. A lady contacted me and advised me that she urgently needed my washer and dryer but her son wouldnt be able to pick it up until XXXX and I was leaving at XXXX XXXX. I advised her that I would set the washer and dryer outside of my storage unit, and which was in a remote location, and I would let the owner of the storage units know her sons name and the time he was picking up the items. I specifically asked the woman if she was absolutely sure she wanted the items because I would not be able to come back and sell it once I left for XXXX. She assured me that she wanted the washer and dryer and even advised me that she would pay for it ahead of time but she could only use Venmo. I did not have a Venmo account at the time but she walked me through setting one up and then sent the payment. The payment however was instantly on holdbut I thought maybe I had to wait to get my card in mail before I could access the money. When I arrived in XXXX  a few days later I got a notification saying the buyer had disputed her payment for item not as promised.. this dispute was closed and I recieved another notification stating that the buyer had disputed the payment because item was never recieved. I also got an email from Venmo stating that the buy had to provide proof of returning the item to me. A few days later the dispute was closed and they refunded the {$200.00} to the lady that bought my washer and dryer. So this woman got a washer and dryer from me, and then ripped me off and Venmo for some reason refunded her money. I asked several times why this happened, and the one and only response I recieved was that the item was damaged and that the damage wasnt listed and that I had no proof that the item was recieved. I responded, if the item was not recieved, how would a person be able to say if it was damaged or not? I have heard nothing back from the Venmo team. I have appealed this car 4 times with little to no contact from an actual person. Every time I chatted with an agent they assured me they would fix the problem but then eacalated it and said someone would be in touch. How do I even know if the money was in even given back to this buyer, or if this is some scam that Venmo does to make money. I sent Venmo the messages between myself and the buyer showing our agreement and showing that she knew I was leaving for XXXX  and would not be able to resell the item once I left. Either this woman took full advantage of this situation knowing I had no way to go back to XXXX, or Venmo is scamming people to make money, either way {$200.00} was removed from my account for no reason and no evidence provided to me of where the money went or why the money was removed from my account.
Product: Money transfers

Western Union Case Reference # XXXX On XXXX/XXXX/16, around XXXX I tried to make a money transfer transaction through Western Union of {$1400.00} ( MTCN : XXXX ). At the end I received an error that this transaction can not be completed due to an error. I called the Western Union, and the lady explained to me that this might be happened due to WU system upgrade. She was also not able to see any transaction during the review of my account. While I was taking to her I tried another attempt ( MTCN : XXXX ). I received the same error. She said these transactions are not going through probably due to system maintenance and you can try again at a later time. If you still face the same issue then call us and we will do the transaction for you. 

After about an hour, I made another attempt ( MTCN : XXXX ) that went fine and I received the message that the transaction completed successfully. 
On XXXX/XXXX/16, around XXXX, during the review of my Bank Account, I was shocked after seeing my account balance. I do n't have sufficient funds available due to additional XXXX consecutive transaction of {$1400.00} from WU. Right away I called to WU to communicate the transaction issue. The WU representative ( XXXX XXXX, XXXX # XXXX ) told me that WU will revert the initial XXXX transactions within 7 days. 

My subject Bank Account is used for auto-pay bills. Currently sufficient money is not available in my account. I already suffer enough by WU system issues and non-vigilant customer service. I am astonished that these kinds of transactions were not considered suspicious at WU end and the client was not contacted immediately before finalizing these transactions. 

The money related XXXX additional transactions is still available in the receiver Bank Account. This problem is happened due to the system issues and WU should be responsible to revert initial XXXX transactions. I want to keep my record straight for all my financial deals. 

Until today ( XXXX/XXXX/2016 ) WU was not able to able to provide any satisfactory answer to provide the solution of the problem happened due to WU system glitch.
Product: Debt or credit management

I contacted Freedom Debt relief to close my account with them. And the following is the response I got. 

Dear XXXX XXXX XXXX XXXX you for contacting Customer Service , we are happy to help with this. Upon reviewing your XXXX  XXXX  it appears that your current estimated pay off amount as of today comes out to an estimated {$2000.00}. Please keep in mind that there is always a possibility that this amount may not cover the final payment to your creditors which is why it is recommended to cover in for at least a {$100.00} overage to ensure we have more than enough funds and whatever is left will be returned back to your bank account once your account is closed. If you have any other questions or concerns in regards to this please do not hesitate to reach out to our Customer Service line mentioned below at your earliest convenience for further assistance with this. 
Visit your Client Dashboard to track your program progress, watch helpful videos, and read frequently asked questions. 
Thank you for letting us be your partner on your journey to a debt-free future. 
Freedom Debt Relief Customer Service www.fdrclient.com Customer Service : XXXX | XXXX So I then paid the pay off amount on XX/XX/XXXX. On XX/XX/XXXX they withdrew another {$300.00} and I asked why this was done and was told it was to cover the closing cost. OK the that should have been included in the payoff amount but ok. the following is the question i asked and response Good Morning, I have paid off the balance remainder of {$2000.00}. Why are you continuing to deduct from my account? That was the purpose of looking to close the account. Please let me know why or I will be closing the bank account so you can't withdraw from it. 

Thank you. 
Dear XXXX, Congratulations on successfully reaching the end of your program! It's important to note that it can take up to 30 days after you deposit the funds to graduate and complete you from the program. During this 30-day period, it's possible that another deposit may be drafted if you have a deposit scheduled and any excess funds will be refunded once your account is closed. 



We understand that you may have some concerns regarding your deposits during this period. Please know that you can modify your deposit at any time during this 30-day period to better suit your needs. Give us a call at XXXX to modify your upcoming deposit during this time. 

Now here it is XXXX and they withdrawal another {$300.00}. All accounts are paid an closed how do i get the to stop taking money from me.