23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint against Capital One due to inadequate customer service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Capital One failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 

Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

On a recent occasion, I contacted Capital One regarding a {$25.00} payment that I made on time. The agent I spoke with confirmed that he saw the payment. However, he removed my new XXXX XXXX account and used my old account, which has been closed since 2023, without my authorization. When I asked for clarification, the agent was unable to provide satisfactory answers. He assured me that the {$25.00} payment would be waived, yet I was still charged interest despite making the payment on time which also dropped my credit score significantly! This indicates an issue on their end, not mine. 

I am extremely disappointed with the handling of my account and the lack of transparency and accountability demonstrated by Capital One. I request that the interest charges be reversed and that appropriate measures be taken to ensure such errors do not occur in the future. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution.
Product: Debt collection

Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount. 
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.
Product: Credit card

I have a substantial amount of points with CapitalOne in their rewards program ( over XXXX points currently ). I always pay on time. Their system has an IT issue that has been happening for months now XXXX XXXX XXXX XXXX ) that prevents access for myself and to other consumers to our points. 

The customer service team literally told me they didn't know when or if I'd be able to ever access my points again and that one day, maybe, my phone number would be allowed, or it might not, and they didn't know why or if or when it would ever work to allow me access to my points. 

It's unacceptable that CapitalOne act with such capriciousness with the rewards they marketed and promoted ; I would not have used their product if I knew that I would not have access to the points I've earned through their program. They are unjustly and unfairly withholding promised and financially meaningful services with XXXX regard for resolving in a timely manner my access to said points. I have credit cards with a few other providers and none have this issue. 

Especially given the time sensitive nature of booking travel with the points, this has caused not only wasted hours on the phone but missed opportunities to book travel that is no longer available.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA continues to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.
Product: Credit card or prepaid card

To Whom It May Concern : I hope you have been safe during these uncertain times. 

Im writing because I noticed that my most recent credit report contains a late paymentreported for my Citibank account. When speaking to a Citibank representative, they confirmed that my auto-payment amount was upped from {$30.00} to {$35.00} without my knowledge during the month of XXXX. If I had known that I was delinquentby {$5.00}, I would have immediately corrected this error, but due to Citibank not informing me until it was too late, my credit score has now droppedsignificantly. This is Citibank taking advantage of the current Covid-19 crisis, as previously I have never had my auto-payment upped within the 6 years of having this credit card open. I don't understand how I did not receive any notifications about this in the mail, and their calls have been flagged as spam risk, which is why I did not give my account information to them over the phone. When I tried calling them back to confirm that it was them calling under the spam risk number, their automated service told me that they are experiencing higher than normal call volumes and would hang up on me. I never received any confirmation from them until it was too late. 

I want you to know that I understand my financial obligations, and if it werent for myautomatic payments information being upped by Citibank without my knowledge and my phone flagging Citibank 's automated calls as spam and their inability to reach out to me by other more practical methods, Id have an excellent repayment record. Since then, I've paid off the account in full. Leading up to then, Ive had a spotless record of on-time payments. 

I am still unable to reach Citibank unless it is within their automated service that still hangs up on me, or by their 'chat ' function that does not respond back to me until the middle of the night. No one is getting back to me about this predatory practice and it is ruining my life. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

A charge from XXXXXXXX XXXX XXXX appeared on my statement that didn't belong to me. I reported the charge ; they canceled that card, gave me a new one & sent a letter saying it was resolved. A couple of months later, they put the same charge onto my new card, claiming that my dispute showed nothing otherwise. I requested any info that showed this to definitively be my charge, & I received nothing.
Product: Credit card or prepaid card

My Citibank credit card is lost or stolen, and I decided to close the account. I have a bill, but I do not have the complete credit card number. I contacted Citibank on XX/XX/XXXX, but as soon as I told the representative that I wanted to close the account, I was put on hold. Eventually, the call was dropped, and I had to call back. This has happened multiple times. At this point, I am not able to reach a representative. I have been on hold for as long as two hours, and I estimate that I have spent over six hours on the phone. 

On my last bill it give the hours that you are able to reach a representative as XXXX XXXX to XXXX XXXX on Saturday and XXXX XXXX to XXXX XXXX on Sunday. It is not possible to close your account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo home mortgage account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* Money mart XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 *XXXX XXXX XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently used my information snd/ or the misleading information derived from XXXX  breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month of XXXX my credit score was XXXX with Experian, was very happy never been that high before. Then XX/XX/XXXX Experian took my score down XXXX points ( XXXX ) stating that the received information from XXXX XXXX XXXX that I was terminated from the Account. 

I reached out to XXXX XXXX XXXX and they advised that my account has never been closed and to date I have never missed a payment since XXXX. I am an authorized users on this card with my husband and they advised they never provided that information. 

I then reached out to Experian again about the incorrect information the is stopping me from getting house because of this. Experian requested that I email my accounting showing that it was closed which I did, as they said on their report it showing it open but in reality that is not correct. I have excellent on all my credit cards have never missed any payment in over 6 years or more.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received my consumer report and some derogatory items being reported to my consumer report that didn't have Permissible Purpose, ( 15 USC1681b ). I have been a victim of identity theft ; someone has used my personal info for their personal gain. Please see attachments. Please delete all accounts/inquires listed below. 

XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XX/XX/XXXX
Product: Debt collection

I contacted debt collector Nationwide Recovery Systems, to see what this account was. I never went to the facility that is listed as the original creditor. Everything that was talked about didn't make sense.

This " debt '' was bought for a second time. Yet NO correspondence was ever received, NO EOB '' s, no statements, NO BILL EVER. Not from the original creditor listed as XXXX XXXX XXXX or the collection agency XXXX XXXX. It is now magically appearing 4 years later on my credit report. And the bill amount happens to be just over the {$500.00} at {$660.00}. Now that laws have changed for medical collection under {$500.00} not to be placed on your credit report. 

Convenient for them the location of the facility is permanently closed and I am unable to obtain the said bill that is owed for the supposed original creditor. 

When asking to validate the debt, an excuse was given at every turn. 

They said XXXX XXXX has the information of the " debt '' but can not disclose a contact for them when I asked about it. I never received anything from XXXX XXXX XXXX or XXXX XXXX. it will take 30-35 days to receive the bill, because they only communicate through a portal and do not have contact with the agency any other way... 

That being said this is not HIPAA compliant as I NEVER signed a authorization to release my records to anyone. Also under Texas law you have 11 months to send a patient a bill. This is way past the time filling to send a bill. There was never any correspondence the facility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the following accounts due to many facts but more specifically the accounts belong to someone, one inwhom used my identity without my knowledge nor consent. These accounts must not have been properly investigated by the 3 major credit bureaus but yet the 3 major credit bureaus constantly reporting these unauthorized accounts. Either bureau shall relay on electronic verification as proof. Either provide me with physical proven documentation or as my consumer rights I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$570.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$85.00} 5 ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was instructed to deposit XXXX fraudulent company-branded printed checks via banking app mobile deposit ( unknown that these checks were fake at the time of the job scam- over 8 days time span ) Then I was to those funds ( via XXXX XXXX gift cards ) to the vendors so we could begin the equipment purchase order for my workstation at-home office Transaction dates and amounts : 1. Zelle {$2500.00} to XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXX. XXXX XXXX {$1000.00} to XXXX XXXX XXXX on XX/XX/2023, ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$2400.00} to XXXX XXXX on XX/XX/2023 I was deceived into a job opportunity with scammers pretending to be real employees at XXXX XXXX XXXX. I was reached out to via email with an invitation to interview. The opportunity was something I had been looking for at the time, as I am struggling financially at the moment. It seemed too good to be true ( because it was ). The interviews and onboarding were conducted via XXXX XXXX  chat feature, aside from a second final interview over the phone in a XXXX minute call. They got ahold of my personal information ( I-9, W-2, etc. ), bank information ( direct deposit form ) after instructing me to hand-sign the offer letter. Upon " onboarding, '' they had me start a wireless plan with XXXX XXXX XXXX as well as purchase an XXXX and an XXXX for " work equipment '' that I would be reimbursed with in my sign-on bonus. Once I paid the {$180.00}, my devices were sent to me and then I was instructed by my " advisor '' to send the devices for proper installation and set up by technicians in XXXX. Devices are now lost/stolen and I am left with disputing this with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I don't have to be responsible for paying a services and device plan that is now a XXXX As part of onboarding next steps, they had me deposit equipment checks via the mobile banking app with XXXX XXXX, so that we could purchase my work equipment for my at-home office since the role was a virtual position. They began having me send money to third parties in different ways once some of the funds became available for withdrawal in my account. Until I saw a post on XXXX by the real XXXX XXXX nearly 8 days later warning about recent job scam at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I attempted to empty my Venmo account. I clicked on a debit card that I had stored, to see what the entire number was.or which bank to make sure it was a valid acct. 

It never gave me an opportunity to confirm, or show me which card it was, it only showed me the last four digits. 

That card is no longer valid, so my {$1200.00} went into limbo. I called my bank to see if I would get the money, they told me it would be returned to Venmo. 

I opened the case with Venmo, they denied my request for reimbursement
Product: Credit card

I found a promotional bonus for a credit card ( AAdvantage Card through Citi Bank ) that fit my needs. I clicked the promotional link and applied for the card. I was notified that I was approved. Within the allotted time, I met the minimum requirements for the promotional bonus miles award. Several months later, I noticed I had not received the award. When I inquired, I was informed that due to having received a bonus 2 years ago, I was not eligible. The representative did direct me to the very fine print explaining this policy. This seems intentionally misleading since in 3 places, the main promotional site, the offer disclosure, and the " approved '' page after applying, there was not even any information indicating that not all applicants will qualify for the award- it was only buried in the multiple page application fine print. 

My complaint to Citi was that this information should be more readily available when being told you are " approved '' for a card, especially considering the application for it was completed through a promotional link. 

I have applied for credit cards with other companies that will provide that information to you before you even complete your application.
Product: Credit card or prepaid card

I was approved for a credit card from Citi on XX/XX/2020. I received the card a few days after approval. I used the card normally until I received a letter in the mail stating " We tried contacting you about suspicious transactions on your Citi Double Cash Mastercard account ending in XXXX but were unable to reach you. Until we hear from you, future transactions maXXXX be declined. '' I never received a call or a mobile alert stating this. I reached out to customer support and they said they needed to verify my identity before unlocking my account. The methods used were : Demanding I have or get a landline in my name because my wireless account " is not registered in my name '' and to contact XXXX to update the record. Which I did, still did not work for the verification. Next was for me to read them every credit card number I own. Since I have not had any of the cards longer than 2 years, that verification method did not work. Next, they wanted to call my employer, but when I provided the contact information, they did not want to verify using that method. Next, was they wanted my entire social, I obliged and they stated they could not verify me and that a letter would be sent and to give them a call when I receive it. It has now been over a week and I reached back out to customer support to inquire the status of the letter and the representative informed me the letter has not been sent and to wait another week for another letter. My account has been locked and the bill for the account is due in 5 days which the letter will not get here in time. I have requested to speak to supervisors and even their manager to no avail. I do not know how you can verify and issue someone a credit card, let them spend money on the card, and then state they have no idea who they are.
Product: Checking or savings account

I am a victim of Identity theft and fraud now 7 times.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bal- {$5200.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$13000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$4300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bal- {$840.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$860.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$560.00} XXXX XX/XX/XXXX