23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I saw that Capital One reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : MY BALANCEON XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on capitol one! Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!
Product: Money transfer, virtual currency, or money service

I have a check account with Chase Bank since year 2007. I am used to make online payment to my HOA monthly assessment fee. 

As usual. I chose the proof of payment service and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

XXXX week later. I received the statement from my HOA, the XXXX XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the Chase Bank and XXXX XXXX XXXX XXXX a few times to get more information. I also request more than one time for the late fee from Chase Bank to pay to the HOA, but the Chase Bank keeping told me they are not responsibility for it, maybe has the other issues like USPS delivery or something can not be expected. The other one XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. ( See attachments 2 and 3 ) I am going to ask you to help me, please. If this situation is the Chase Bank fail to do the service of proof of payment, could you please make them to take this responsibility. Or contact my HOA directly to know that maybe HOA their bank has their own issues. My HOA wont give me a break, they enforce the late fee and interest to me, you know the inflation make our life tough than ever before.
Product: Credit card or prepaid card

First Progress has closed my account without my authorization. First Progress has treated me in a discriminatory manner on customer service phones calls. First Progress refused to reopen my account and I have a credit in the amount of {$210.00}. First Progress has not honored their terms and agreements, they charged undisclosed fees.
Product: Credit reporting or other personal consumer reports

As of XXXXXX/XX/year> i was reviewing my credit report from Equifax and found that there are 5 hard inquiries from sources that are unauthorized and therefore should not be showing in my credit report. under and pursuant to 15 usc 1681 and the FCRA these inquiries are illegal and in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member in good standing with my Capital One CC until last XXXX when the creditor apparently charged us an annual fee on a credit card that was paid in full. Please also note that prior to the payoff we had our payments set up on auto pay. We did not receive a statement in the mail showing that we owed a balance nor did the creditor attempt to reach us by phone. We have never missed a payment with this creditor ( or any others for that matter ) so I find it extremely unethical for them to ruin my credit over missing an annual fee payment. I dont think its fair that people should receive hits to their credit for any types of fees ( anything that does not include charges or interest ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute a public record on my report and they are not removing it as asked. They are just doing what they want and don't care what the person is asking. I sent them a letter that indicates that it need removed and the the section number on FCRA that the letter shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX  5. XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX  9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX  has 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: Credit card or prepaid card

I was sent a credit card opened in my name for Wyndham Rewards that I did not apply for. I called the company back and informed them I did not open a credit card account with them and they needed to close the account. I cut up the card and sent it back to them. I continued receiving bills for {$0.00} balance on that card and the account is still open. I contacted them again XX/XX/20 and was on the phone for several hours only to just get the run around and they claim that account does not exist for my birth date. Someone in the Wyndham company is getting cards using some of their members information that attend their meetings during their vacation. This is a corrupt business and it should be stopped and all of the employees need to go to jail and pay restitution to all of its members that have been held hostage to their contract only to find out that their personal information is being traded and compromised.
Product: Bank account or service

On XXXX XXXX, 2016 I made a {$100.00} ATM debit card withdrawal at the Wells Fargo Bank in XXXX NJ. I was charged a {$3.00} ATM Fee. This month when I received my checking account statement I saw an addtional {$1.00} charge for ATM INQ fee and a {$1.00} WD fee. for a total of {$6.00}. In my opinion this is excessive and I should be refunded at least {$3.00} in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX Louisiana XXXX, XXXX XXXX XXXX XXXX, La. XXXX, XXXX XXXX XXXX XXXX Louisiana XXXX Fraudulent Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I took out two payday loans with AmeriCash Loans. At some point I defaulted on the loans and AmeriCash garnished my wages to fulfill the remaining balance of the loans. I received my original contracts back from AmeriCash stamped paid in full. On XX/XX/XXXX XXXX XXXX XXXX, a debt collection company, listed a new item on my credit report for {$140.00} with the original creditor listed as AmeriCash loans. I called AmeriCash and they stated that all of my loans were paid in full and I needed to contact XXXX XXXX XXXX to have the item removed. As of XX/XX/XXXX, I have never received a phone call or letter notifying me of this debt or my ability to dispute it. On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX disputing this debt, and requesting proof of the debt owed. As of today, XX/XX/XXXX, I have not received an acknowledgement of receipt of the letter, nor the documentation requested. Meanwhile the debt is continuing to be reported to the credit bureau with the last reporting on XX/XX/XXXX. This is lowering my credit score, and for a debt I do not owe.
Product: Credit reporting or other personal consumer reports

My Credit Profile is showing that I am an Authorized User on the following Accounts in which case I DID NOT GIVE MY AUTHORIZED CONSENT. 

- XXXX Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please remove my name from these accounts. This fraudulent and inaccurate information is causing me financial hardship. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a medical loan on Thursday, XXXX XXXX, 2017 with Prosper Funding LLC. | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I was sent an email that I was approved for the loan amount requested which was approximately {$22000.00}, with the caveat that before the loan can be completed I needed to submit verification of income and provide some tax documents. I attempted to submit the documentation through their secure website, but the website would not take the information and gave me an error code. I then tried again later to resubmit the paperwork and once again it took some of the information, but not all of it. I went to the medical facility where I started the treatment that was needed, and the hospital called Prosper to verify that the loan was in good order. Prosper told them that everything looked fine. In the end, Prosper said they did n't get the paper work and what they got had discrepancies. I tried to speak with their account division to address whatever discrepancies they saw and also send in the paperwork that probably still needed to upload. Prosper told me they would not discuss this issue with me and that the account was closed and that I should never apply for a loan again. The hospital also called and with me on speaker phone was told the same thing. This is unacceptable. We are outstanding customers with excellent credit. This company now has our personal information and treated us like we are criminals submitting fraudulent information. They do n't have a loan processing department with someone to talk to? This company should not be able to have an online banking business when they are not willing to communicate with a customer regarding their application, they really want your information. This is not acceptable.
Product: Debt collection

I have successfully disputed this account and had it removed from my credit files. It recently showed up again on both my XXXX and XXXX credit reports XX/XX/2019 with no notification to me. 

Its using 2 company names XXXX and Amerifinancial Solutions
Product: Student loan

I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help.
Product: Credit reporting

i disputed this file on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX the file was deleted XXXX was the original creditor.. On XXXX XXXX i requested a copy of my credit report i noticed a company call XXXX after doing some research this is the same account that was deleted on XXXX/XXXX/XXXX i have supporting documents to my claim also that i never open an account with XXXX on XXXX
Product: Debt collection

Collection agency : National Credit Management XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX XXXX Partial Acct # XXXX School : XXXX XXXX XXXX College of XXXX XXXX State University XXXX XXXX XXXX XXXX, AZ XXXX Phone number : ( XXXX ) XXXX Amount owed : {$2700.00} The school falsely advertised the price of the degree plan and the course in following manner. ( 1 ) XXXX State University failed to advise me that there was a difference in price for out of state tuition for the program that doubled the amount of the class cost. When I advised the school ( contact name XXXX XXXX ) of their representative ( XXXX XXXX, Enrollment Coach ) tactics, they dismissed my concerns with no review or investigation into my allegations. ( 2 ) the school nor the collection company never notified me in a timely manner that owed in monies to the school. As such I was not given the opportunity to pay it off timely and in good faith. The balance was paid as should have ; however, I do not feel that this should be on my credit reports.
Product: Checking or savings account

XX/XX/2022 is well it all started... 

Not sure of the exact dates but : -someone opened a credit card/ checking account under a name similar to mine. 
-My credit card was hacked ( XXXX ) -XXXX account was hacked -XXXX  was hacked I have things for ( which I don't have a clue what they are ) : 1. XXXX 2. XXXX 3. Experian
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
1. Creditor Name : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 submitted request to have item reviewed on my credit report. On XX/XX/18 Equifax notifies me that my request had been received. On XX/XX/18 Equifax notifies me there research was completed. All notifications via email. After various attempts to sign on the the online follow up form the online tool was unable to show me the results from Equifax regarding my request. On XX/XX/18 I contacted Equifax via the phone XXXX XXXX XXXX spoke to a representative that provided me no information regarding my request and showed no urgency to assist me. All previous contact events were made via email prior to my phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled update of my credit report and still I see these negative account. I already sent few complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

So I wasnt even made aware by Grain Tech that my account was delinquent or past due. By the time that I was notified it was already reported to the credit bureaus. Since then grain has been misinforming inaccurate information as resulted decrease in credit score. They already had since withdrew funds from my external account that was used I order to received or removed from account. Since then a payment arrangement to pay off balance ( after waiting to hear back from Grain either via phone or via email ) as well as made just recently as well as a payment arrangement that has since been signed and accepted both myself and Grain Tech. Then report was made by Grain stating my is still delinquent by 60-70 days after was payment arranged.
Product: Debt collection

HI ERC ; 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: Checking or savings account

I, XXXX : XXXX on behalf of XXXX XXXXPrincipal notified XXXX XXXX XXXX XXXX  of Capital One Bank by certified mail XXXX XXXX XXXX instructing him to apply my principals balance to my principals account. I sent him my tender along with my instructions pursuant to the Bills of Exchange Act. I informed XXXX XXXX that it is not now, nor has it ever been, my intention to avoid paying any obligation that I lawfully owe. I am not refusing to pay. My account was immediately closed, and my instructions were refused. 
I notified XXXX XXXX, XXXX of Capital One Bank by certified mail again dated XXXX, and demanded my account be reopened for use, and again provided my instructions. Again, XXXX XXXX failed to perform his fiduciary duty. I received a letter from Capital One dated XXXX, stating that they do not accept my presentment. This is described as Dishonor pursuant to the Bills of Exchange Act ( Section 80 ). 
I notified XXXX XXXX, XXXX of Capital One Bank a XXXX time dated XXXX, by registered mail and again instructed him to apply my principals balance to my principals account. I sent him my tender along with my instructions pursuant to the Bills of Exchange Act. Once again, my instructions were refused. Pursuant to the Federal Reserve Act ( Section 29 ), XXXX XXXX has shown a pattern of misconduct and knowingly breached his fiduciary duty ( Third Tier ). I would greatly appreciate any assistance you can provide in this matter.
Product: Credit card

I am capital one Credit card customer since quite some time. Suddenly last week I got the email that my credit limit is increased for my credit card which I NEVER requested. 

When I contacted customer service, first she said that capital one didnt do it from there side but I requested the increase. After I repeatedly denied about it she put me on hold and ultimately accepted that Capital one increased the limit on it's own.

The problem is : 1 I never requested it and I never wanted credit limit increase.

2 Now they have already increase limit ( without my consent ), if I request decrease, it will impact my credit score which is unacceptable to me 3 Capital one used my data and took action without my consent on my credit which is unacceptable and totally unlawful 4 When I asked customer service whether Capital one gives any control to customer to opt out of this auto increase, she said NO. So capital one doesnt give control of the data to customer plus on the top it they are using customer data without consent and even take action on it 5 If my credit card is lost or stolen ( or anything else ) I am carrying the additional risk 6 When I requested the customer service to decrease my credit limit as capital one increased without my consent, she did NOT submit the request and was enforcing me to talk to XXXX whereas I was already on call for approx XXXX minutes. 
XXXX I said that I dont have time to discuss with XXXX and asked her to submit the request, she did NOT do it. My credit limit is still higher. So Capital one didnt work on request at all & just ignored the wrong doing