23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am resubmitting a complaint regarding persistent issues with making payments to my Capital One credit card accounts ( ending in XXXX, XXXX, and XXXX ). Despite a prior CFPB complaint ( Complaint ID : XXXX ), the problem has not been resolved, and I continue to encounter barriers to making timely payments. 

Details of the Issue Payment Process Failure : Attempts to make payments via debit card ( online, app, and phone ) for all three accounts are consistently rejected until after the due date. Only once the accounts become past due, and late fees are applied, am I allowed to make a debit card payment. 
Recurring Issue : I previously experienced this same issue, which led to late fees that I ultimately paid in full. However, the problem has occurred again, putting me in the same frustrating situation of being unable to make timely payments and incurring additional late fees.

Customer Support Response : After reporting the issue to Capital One via their chat service, I was offered a waiver for only one late fee. This does not address the recurring problem or the financial impact of the ongoing systemic failures.
Product: Prepaid card

This is a prepaid award card issued by XXXX XXXX  and administered by North Lane Technologies. Sales commissions are put onto a debit card. 

My account number was stolen and used multiple times between XX/XX/XXXX - XX/XX/XXXX. I contacted the bank multiple times by phone and email to resolve the issue over the last three months. It was so difficult because somehow they didn't have my correct address. I had to prove that it was my account. Finally, I was sent a fraud form on XX/XX/XXXX which I completed and tried to fax it 9 times over 5 days and it would not go through. They said that I had to either fax it or mail it ( I could not scan and email it ). I mailed it on XXXX. I kept calling to see if they received it. They claim that they never received it so I then sent it registered mail on XX/XX/XXXX. The finally received the fraud form and said it would take 30-45 to investigate. I just received notification today, after I inquired, that they only accept 2 of the charges as fraud and that the other $ XXXX was my responsibility per the terms of the debit card. 
It has been 3 months of trying to resolve this issue with a bank that will not contact me. Even with everything that has been going on, when I check my account they had a different name on it again and a different telephone number. I am BEYOND frustrated.
Product: Payday loan, title loan, or personal loan

Checked my rate online at XXXX for a payday loan of {$800.00}. It didn't show me a rate, but instead started a whole application. I was contacted by XXXX   who had me send in a copy of my bank statement and license.

I didn't recieve a truth in lending disclosure at the time until the funds were sent. The APR is over 400 % and violates North Carolina laws.

Luckily, they said I had three days to cancel the loan, and I did so on XX/XX/XXXX by emailing my loan officer named XXXX.

I didn't get a response.

I would like to get this toxic loan canceled ASAP.
Product: Payday loan, title loan, or personal loan

I can not log into my account as there is a link that forces you to accept consent that will not allow you to enter a class action against the company. I will send in a rejection letter but i want this removed so I can service the account.
Product: Debt collection

Unifin , Inc. is trying to collect a debt for a car that was repossessed approximately around 2008. The car was a XXXX XXXX and was taken over 16 years ago. Unifin , Inc. has been contacting my family members about this debt and has been harassing me over a debt that is close to 20 years old. I haven't heard any correspondence about this debt in over 15 years and they have recently started harassing me. I feel that due to the age of this debt, I should not have to obligate myself with this especially since I am on XXXX and have limited income.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, Avid Accepta add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car 's original finance company was XXXX XXXX XXXX. I discovered PenFed had a lower rate, so I followed the procedure to have PenFed refinance the loan. To title the vehicle, I contacted PenFed and was informed that I needed to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, I was informed that the document would only be provided to PenFed since they were now financing the loan. I then called PenFed again and was informed that XXXX XXXX XXXX could only provide the document. This is a frustrating loop. I asked to speak with a supervisor, and I was told a supervisor would contact me within two hours. That call never came, and I still need to title the vehicle. My only recourse is to file a complaint to hope for a timely resolution to this problem.
Product: Bank account or service

On XXXX XXXX. 2015 CITIBANK ISSUED A LINE OF CREDIT IN THE AMOUNT OF {$4900.00} OVER THE PHONE TO SOMEONE PRETENDING TO BE ME. CITIBANK IS HOLDING ME ACCOUNTABLE FOR THEIR ERRORS AND MISJUDGMENTS, I NEVER CALLED OR ACCEPTED ANYTHING OVER THE PHONE NOR DID I SIGNED A CONTRACT ACCEPTING ANY MONIES FROM CITIBANK OVER THE PHONE.I CALLED SEVERAL TIMES ON THIS MATTER TRYING TO COME TO A CONCLUSION NOTHING HAPPENED, THEY SAID I WAITED OVER 60 DAYS ON THIS MATTER WHICH IN FACT I DID'NT I MADE LOTS CALLS TO THEM I EVEN WENT TO THE BRANCH ON A SATURDAY CAUSE I WORK FROM MON-FRI XXXX. CITIBANK IS SAYING I 'M NOT A VICTIM OF FRAUD CAUSE I MADE THE CALL FOR THE CREDIT AND MISTAKENLY I WAS NOT THE PERSON THEY SPOKE TO.
Product: Money transfer, virtual currency, or money service

Williams, Alexander and associates who are debt collectors, collected money from a debtor who owed me approximately {$5000.00}. This money was received and never released to me. This has been an on going issue since XX/XX/2022 until today. I have called multiple times. Initially I was told a check will be sent out immediately. This was never completed. Then they stopped returning phone calls. Now their phone is disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFAULT OPPORTUNITY TO CURE This is a response to XXXX XXXX Credit Acceptance my CFPB complaint is # XXXX Be advised that the CFPB ( Consumer Financial Protection Bureau XXXX is the only Bureau. XXXX, XXXX, XXXX are in fact Consumer reporting Agencies. 

Your policy does not oversea federal law. 
As a consumer i respectfully gave your financial institution specific directions in my cease & desist. 

You are now intentionally willfully and knowingly using false, deceptive, and misleading representation It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX  and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1800.00} XXXX {$530.00} XXXX  XXXX  XXXX XXXX {$63.00} COLLECTIONS XXXX {$63.00} XXXX/XXXX  XXXX {$510.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$980.00}
Product: Debt collection

Recently, I have been making attempts to be better my credit because I am graduating college and will soon be out on my own. In the past month I have paid off over {$1600.00} in debt, by working and saving money. When reviewing my financials I noticed that on the credit site, XXXX I had an account in collections, ( XXXX XXXX XXXX ) " original creditor XXXX XXXX '' .I am confused about this being on my credit report when I signed no contracts with this company and never received any communications from this company, saying if they bought my debt or why this is on my credit report. It says the account was opened XXXX, XXXX 2017 and I owe {$940.00}.
Product: Vehicle loan or lease

I received XXXX adverse action letters from BANK OF AMERICA, WAS DENIED CREDIT XXXX DIFFERENT TIMES. 

LOAN # XXXX LOAN # XXXX LOAN # XXXX THEY ARE IN VIOLATION OF 15 USC 1691.

I AM OFFERING BANK OF AMERICA AN ATTEMPT TO CURE AND REMEDY THEIR VIOLATIONS.
Product: Credit card or prepaid card

On XX/XX/2019 I was passing by the XXXX XXXX  in XXXX XXXX XXXX in Virginia without any intention of buying anything, waiting for my in-laws to finish with their eye exam with doctor that I took them there. The seller named XXXX came along and started with her advertisements, better to say her lies, that their products are on huge discount of % 82. While I was looking at a bracelet she took it out without me asking her to do that, and she said " for example this bracelet actual price is {$12000.00}, and now is {$2900.00}. I just want to skip how hard she pushed to convince me by buying this piece is like winning a lottery or hitting a jack pot or whatever you want to name it, and moreover she even told me that I can get the full refund if I am not happy. Finally, I gave up and accepted to buy it, but while started to sign the documents my in-laws came out and they did not know where I am that I had to run out of store to let them know where I am. In this intense situation I told her that I am not paying attention what I am signing, she told me do not worry I'll tell you and stupidly I trusted her. I did not even notice what they are giving me as a certificate of jewelry. When I got home first I noticed the unworthy Piece of cardboard that is not representing a jewelry with value of {$13000.00} then I noticed that she stamped on my signature as final and non refundable, at first I thought it was there and I have not noticed it but later with more paying attention I noticed she has stamped it later. I called them and complained about it to one of the sellers, she told me come to the store. With all these suspicious things that happened, I got the piece to 5 other  jewelers to get their opinions about the value, they said this piece is hardly {$1700.00}. Now Synchrony Bank although I explained to them the whole situation, they have closed the case to the favor of merchant without telling me and charging me for delayed fee. They claim that they have sent me the letter. On XXXX XXXX I called and told them I have not received any letter, and asked for dispute then left the country for a family emergency until XX/XX/XXXX and let them know that I am leaving. When I returned, called them on XX/XX/XXXX I noticed again they have not do any investigation on the complaint, has opened it and charged me for late fee and not sent any letter either. I called them again and talked to them they apologized they said they are going to open the dispute case and asked for 30 days. After 2 weeks I called to check upon the case. I found out not only they have not opened the dispute case but also they still did not send the letter and charged me with additional delayed fee. Asked them to remove the delayed fee and open the case again and let me know about the result. Check with them today after 1 week, again the same thing, as if they are playing a game with me. I am convinced now that they they don't want to work with me on this matter, although it is very obvious that I am scammed by the merchant. I want CFPB to protect me and my rights Please.
Product: Checking or savings account

On XX/XX/year>, a unauthorized transaction was made to robinhood for {$1100.00} dollars. When i try sending the money back after noticing it was when i seen it already been sent by crypto. I spoke to XXXX who say they would also look into it. Wells Fargo issue me a provisional credit while they investigated. I did not receive no information from neither Wells Fargo or XXXX since then. Wells Fargo investigation found that there was no error and took the money back. I do not agree with Wells Fargo decision.
Product: Prepaid card

I recieved a XXXX $ American Express gift card for XXXX in XXXX, but I didn't start using it until this month ( XX/XX/XXXX ). I was able to use about half the balance of the card just once at a restaurant, and the card repeatedly gets declined at every establishment online or in person since then. Contacting customer support about this issue was not helpful, as they just advised that I should be able to use the card anywhere ( but I am not ). The remaining balance on the card is {$23.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Service is reporting a {$2700.00} medical bill on my credit as opened in XX/XX/XXXX. This debt is from XX/XX/XXXX and is out of statute in Texas which is 4 years. They are fraudulent reporting it asXX/XX/XXXX. They are a debt buyer. I contacted them in XX/XX/XXXX and it is still being reported.
Product: Debt collection

I have no idea where this debt has come from. I have never opened an account with XXXX Anyone Can use your name to open an account if they have colllected your personal information. I feel asif someone maybe a family member or friend took my personal information for their own benefit and opened a cellphone Account. They obviously did n't finish paying because let 's be honest, it wo n't fall back on them. I 'm Only XXXX years old, just starting off my credit score.. And my life as well, I need this fixed. 

Thank you sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to discuss a fraud situation I had on XX/XX/year>. Zelle didnt handle it at all and told me my money was lost. I have transfer images and the total amount that was taken out. A police report was made for the case and the case was closed nothing could be done. Zelle should have created better safety protocols to prevent fraud. I was left with no money as a XXXX XXXX  and it was the most difficult time of my life. I lost everything I had XXXX in my checking and it was all taken out. I have proof of everything I saved it and yet no one is able to help me. Zelle treated me as if I was lying about all the money being taken out and till this day Im struggling since those were all my savings. Please reach out if anything could be done. In the images of the transactions provided there are names of people who I have no idea are those transactions were not done by me. I have a police report but it provides my information I will send once responded to.
Product: Checking or savings account

I filed a dispute with BOA made a complaint here, I received an obscure email asking me to call I called and was navigated to a strange voicemail box, no identifying information. I see patients in appointments all day and am not available to answer my phone at BOAs discretion. Their customer service is shady. They made no allowance for me to upload documents documenting my dispute in their banking app. Im the customer and I believe that a {$500.00} hair service that ruined my hair for years is worthy of disputing. I will include BOA in my small claims actions just for their shady banking practices
Product: Credit card

American Express sent me an offer on its Delta Skymiles Card offering me XXXX miles if I signed up for the card and spent {$1000.00} on the card in the first 90 days. I got the card and spent the {$1000.00} within 90 days. American Express denied me the bonus miles because in the fine print terms and conditions it said that I previously had this card and therefore was not eligible for the promotion. This should have been made clear to me when I signed up or I never should have been offered the promotion to begin with if I was ineligible.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan with Upgrade on XX/XX/2023. Part of the amount deposited into my account with no issues but the other part of the loan balance was to be sent to XXXX to pay off the loan I had with them. They stated it would take up to 15 business days. They still have not paid it. I had to change due dates on both loans so not to be late with payment. Payment with Upgrad is now due on the XXXX. But I still havent received the entirety of the loan funds. I called several times and they said they dont know what happened and are looking into it. Im in lmbo here and would like an immediate resolution to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
Product: Checking or savings account

Capital one closed both my Checking and Savings accounts without giving me a reason, without my approval, or notification. They then mailed out 2 checks, one for each account. I received the check for the funds from my checking account, but never recieved the check with the funds from savings. Their customer service department can not speak to the departments responsible or allow me to speak with them. They send requests that get no response and there is no escalation procedure for this. They owe me over {$7000.00}. 
and this has become a financial hardship for me and my family. The case # is XXXX