23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

When making a payment to Capital One in XX/XX/2018, the payment was never applied to my bank and therefore was reported late to the credit bureau when it fact it was made on time. The representative I spoke with on XX/XX/2018 was very rude and unprofessional. All of my payments before this one have been applied appropriately and on time. Capital One is claiming there has been fraudulent activity on my account but will not provide me with the information. I believe they are the ones whom have been fraudulent and perhaps have a representative using card holders accounts. They claim they can only speak to my husband whom is the primary. I have a card as well and have been making payments from our checking account for years. He has been out of the country and never even activated this credit card, only I have. He has mailed and faxed numerous letters providing all the information they have asked for in order for them to speak with me regarding anything pertaining to this account. I want this situation resolved asap and my credit report fixed as well in a timely manner.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern i have recently gone over my credit report and spoken with an collection agency that is reporting to my report the agent i spoke with is XXXX from IQ DATA INTERNATIONAL, also i have gone over the itemized billing with XXXX and he stated that i was being charged {$3000.00} for a termination fee, which i have in written documentation that it is supposed to be waived, so that is inaccurate also upon checking IQ DATA original amount reporting to my credit report is {$4500.00} of which {$3000.00} as the termination is not supposed to be there. i also received the itemized breakdown from XXXX at XXXX XXXX XXXX which states the same also with the mailed letters that show the itemized breakdown. as per the recorded call majority of my balance is being charged based on a termination fee of which I'm not supposed to be charged for due to moving because of mold in apartment, as per FCRA 15 U.S. Code 1681e ( b ) states ( 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 whom the report relates. 



which means this collection needs to be removed/deleted from my report due to the inaccuracy of the reporting. please remove Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted COAF directly to dispute the following unauthorized inquiries : Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX I was advised that since I did n't have an account with them they were unable to dispute the inquiries at hand. I also contacted XXXX who told me that without written information from Capital One Auto Finance that they could n't remove the inquiries either.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I made a check and cash deposit at the ATM, I have made big deposits before so I have never had anything like this happen to me. 
When I deposited the checks everything was okay but when I made the cash deposit ( {$700.00} to be exact ) the machine locked up and the screen went blank and asked me to call PNC. I waited at the ATM until I got a representative on the phone to see if they could send someone out to get my money. They advise me I could leave and that the money will be counted and replaced into my account. Come XX/XX/XXXX PNC then takes the {$700.00} out my account saying no error was found? 

I called my local branch they are getting the escalation department involved but in the meantime the customer service rep files a second dispute. 

On XX/XX/XXXX after XXXX of playing phone tag with the escalation department I am then told since the second dispute has been filed we will need to wait for the outcome. PNC bank has access to all of my information and now I feel like they are holding my business funds and this is not okay. I also have to wait an additional XXXX days for this outcome. I need to report this bad business practice so others can know what to do it this happens to them.
Product: Credit card or prepaid card

Previous complaint in file with Comenity/Victoria Secret . Issue not resolved and creditor continues to bill with late fees and interest on a closed account. Extremely predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan that I was preapproved for XXXX $ at Prosper Funding. I emailed all the documents requests to varify my income and on my last conversations XX/XX/XXXX I was told I needed to fax one last document and my loan would be approved. After I emailed the last document the loan officer changed his mind and decided not to approve the loan after telling me it will be approved. I called on XX/XX/XXXX asking why it was approved and the loan officer said they decided to lower my income and not approve the loan now even after telling me it was gauranteed to be approved. I requested the hard inquiry be removed from by XXXX 's since I was lied to and the rep refused. I was on hold for a long time for a manager so i had to hang up. I emailed customer support at Prosper on XX/XX/XXXX to remove the hard inquiry on my XXXX 's will no response to date.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXXs inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Product: Checking or savings account

Someone not authorized accessed my account, and a bank employee permitted it in spite of this person 's sketchy story, so the bank chose to close it. There was money in it, but I'm not even sure at this point how much. I got a refund of about {$1000.00} for money in the attached checking account, but not money in savings, which should have been substantially more. 

I called many times, but just kept getting transferred around to different people, everyone saying it wasn't their department. I would be on hold for over an hour when it was done, and it usually terminated with the call just being dropped. 

I heard about what sounded like a class action lawsuit for people having a similar problem with this bank, which had recently made several changes -- I looked into joining, XXXX XXXX did not work out.
Product: Credit card

I bought a XXXX freezer XXXX. The freezer stopped working XXXX. I contacted the store where I purchased it and they said nothing they can do since I need to contact the extended warranty company which I also purchased through them which I did. 
Contacted XXXX XXXX XXXXXXXX they had to contact a service center XXXX called again and XXXX XXXX claims they calling service centers. 
XXXX XXXX XXXX  XXXX XXXX Services did come out to repair the freezer. Service man said I needed parts to repair which he ordered. 
XXXX parts came in and I called the service center back XXXX service man did come back out and did replace the new parts and the freezer still isn't working. The service man said there's nothing else he can do. I must have gotten a bad freezer. 
XXXX I called XXXX  extended warranty for a refund of the purchase price of {$1300.00} + {$300.00} for the food replacement which is part of the agreement. 
XXXX I called XXXX  once again only to be placed on hole for an hour and they came back and explained they waiting for the reports from the XXXX XXXX  XXXX XXXX XXXX. which I was told they were sent to XXXX XXXX  XXXX Same thing I contacted the owner XXXX from XXXX XXXX XXXX explained I still never got this freezer fix.. I explained to her the serviceman claims if the parts didn't work which they didn't the freezer can't be fixed. 
I need a freezer. I need a refund. On our local news just today it had a reporter claim my credit card company should be on my side and giving me a refund.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX were decreasing my credit every week which I think that causes adverse selection and adverse treatment. However, I think that credit should not be decreasing when you make a monthly payment on time. Yes, I know that going over XXXX percent on credit card will cause a decrease in credit scores but decreasing over XXXX points. Wow, that can cause a lot of adverse selection and adverse treatment. 

So, I believe that credit scores should not be decrease drastically, unless I am drastically behind in payments. Please look into this matter. 

XXXX XXXX
Product: Debt collection

XX/XX/ I was told if I requested to speak to the general manager that I would not be able to set up payment arrangements, that I would have to pay the entire balance in full owe, in order to obtain documentation showing I paid 3rd of balance owe and set up payment plan, so that i could then submit documentation to DMV, to have my driver license reinstated, which is preventing me from working. I was also told by supervisor, XXXX that it would take 30 days after I make payment to obtain the letter, showing that myself and FFAM are in agreement and Im set up on payment plan. I called FFAM requested to general manager XXXX  places on hold for XXXX minutes then rep states hes not available he will be in meetings all day today. Then proceeded to ask if he can assist, I told him I would like to make payment of XXXX and I could pay XXXX XXXX monthly for right now. He placed me on hold then came back and stated I would have to split the remainder balance up untill the next 12 months and there is no other option, but previous rep told me on XXXX different phone calls and occasions I could pay {$150.00} with the most reason being a week ago, now today I have to split it up into 12 months which is {$500.00} a month and unaffordable for me.
Product: Credit card or prepaid card

I have a loan with CONCORDE AUTO ACCEPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CONCORDE AUTO ACCEPT with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX BANK, account id number is XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX  DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

On XX/XX/2018 i applied for a credit card with Wellsfargo on line and was told after completing application that i would have to wait until the next business day to find out if i was approved or not. Long story short they declined me until I demanded a manual review of the application with very great income and low DTI. After a review and several complaints about why i was turned down with a XXXX credit score my application was approved. I then asked about the initial application and the information that was in there was not accurate. The rep told me not to worry that it would not be processed and i wouldn't have to worry about it hitting my account. On XX/XX/2018 I notice charge on my account for {$6500.00} that was sent to XXXX Visa which is closed now. Wellsfargo said there was nothing they could do and I would have to see if XXXX Visa would return the funds due them not being able to reverse it. I explained that I did not Authorize this and that it must be a mistake due to the initial issues with the account opening. I tried contacting XXXX Visa to resolve issue and was told that they didn't receive or have any the of transfer to them. I returned to call Wellsfargo to relay the information 2 times after and nothing was done and my account now showed a balance of {$9900.00}. I only wrote a check to transfer a balance of {$3200.00} They have done nothing to correct the fraud but give me a new card number and transferred the unauthorized transaction my new card number and then reported the balance and usage to XXXX Credit Bureau that my utilization is at 100 % and the card balance is at {$9900.00}. I have called back again XX/XX/18 to talk to someone about it and now they are saying they will assign a case to it but will not correct information at the time for incorrect info on my credit report. Every time i call in I get told something different and they are not willing to help I have offered to pay the difference so that this would not affect my credit score or utilization and the representative told me not to worry that they would have this taken care of in a few days and if a balance did report it would only be for the amount I used which was {$3200.00} I also made a payment on the account of {$96.00} on XX/XX/18. I spoke with the customer service manager on XX/XX/18 that said that payment would be reversed back to me to not have the 1st payment being so much. I have gotten no where from calling for over 2 weeks now and as a result my credit score has been affected by this and I feel as if i have been discriminated against with this matter based off the history of the account and having issues with getting the application approved in the beginning. I would like to see that Wells fargo change their practices with customer service and doing things to customers accounts with out their approval and not wanting to correct it when recognized.
Product: Mortgage

I had a home loan with NewRez and I refinanced my home loan with XXXX XXXX. Loan closed on XX/XX/XXXX and NewRez was overpaid by {$2200.00}. 
When I contacted NewRez, the company told me that they will send me the money back. 
When asked the fastest way to receive the money, they told me that it was via my bank. 
They told me that I would receive the money without 24 to 48 hours. 
On XX/XX/XXXX, I called back NewRez because I didnt received the money yet. The company told me that the money was deposited in my account on XX/XX/XXXX. 
I called my bank and they told me to contact back the morgage company. 
Since XX/XX/XXXX, I contacted NewRez multiple times and each times they promised me that the money would be in my account in the next 24 to 48 hours. 
We are XX/XX/XXXX and I still dont have the money. 
When I asked the company to overnight me a check, they told me that it was not possible. 
I need that money to pay my new morgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we suffered a severe hurricane Irma. We were hit by this hurricane and had no electricity or cell phone service for quite some time. After this devastating event, I had to call my credit card companies as I was behind on the bills due to this hurricane. According to FEMA, the credit card companies were able to waive several months of payment with no interest and late fees. I have XXXX XXXX, XXXX XXXX XXXX, XXXX and CITI Bank. All these banks promised that FEMA had these benefits for card holders for a 3 month mark since XX/XX/XXXX. Thus I did not make any payments for 3 months and with all the banks I had no issues, except CITI Bank. They promised the same FEMA benefit. I did not make my payments for 3 months. The first month of XX/XX/XXXX it was waived, but then two months later, they sent a letter stating I am behind on my credit card payment and that they are wanting to collect debt. I called right away and explained about being impacted by the hurricane Irma. They said to pay my overdue amount of {$200.00} dollars or so to catch up, which I did. Then when they transferred me to another CITI department to ask about my card not working, they stated that since I did not pay, they closed my account and reported 60 days no payment to the credit bureaus! I explained this is not fault as I was impacted by the hurricane and they stated I would not have to pay for 3 months! 

I was then transferred to a supervisor whom said CITI decided to close the account, but they state the reason, the supervisor was very rude and I said it was because it shows on the system I missed payment for 2 months, when in reality they stated I would not have to pay until XX/XX/XXXX. The supervisors name was XXXX and employee ID : XXXX. Now they closed my account without my authorization and it shows on my credit report I no longer have this account and it shows delinquent negative report on my credit report. In all my years, I have never had a bank close my account especially when it is not an error on my behalf. I find this unjust and unethical by CITI Bank. I even sent a letter which I have in my records to corporate in XX/XX/XXXX and did n't even receive a reply! Any help is appreciated!
Product: Checking or savings account

I am writing to file a complaint againnst Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I beleive these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I had a ROBO call from XXXX stating i was a person of interest. When I called the Company he Indicated he was from XXXX XXXX XXXX a debt collection company. Company Rep asked for my personal information I refused and stated that if this is a collection company simply mail me a VALIDATION OF DEBT, Company Rep refused and hung up.
Product: Credit card or prepaid card

My problem is with synchrony bank I have accounts with QVC HSN and XXXX  which I have had for several years I have always pay these companies on time never late Recently the bank started to send QVC items on my account denying payment so that had me double paying in other words I am paying the bank and the store In the past few days XXXX  send me a list of some items and have threatened to send to collections that the bank has sent to them It has me paying the card and the company Synchrony is engaging in illegal business practices Please help me I am an honest person that pay my bills on time This is not right what they are doing
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023 I fell victim to XXXX multi-layered scam operations orchestrated by a person using the alias XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are numerous inaccuracies that is affecting my credit score and ability to obtain credit. Please see attached document