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

Hi, I am a Capital One Venture Credit Card consumer since XXXX and I am filing this complaint since Capital One has not refunded my ( refundable ) ticket fare even after 18 months of back and forth with their customer service. Their customer service team is manipulative and always trying to play the blame game without taking any action to help resolve my issue. ( TRIP ID : XXXX ) In XXXX of XXXX I booked a round-trip flight ticket using Capital One Travel and my miles earned on the credit card to fly from XXXX, TX to XXXX, XXXX. I am attaching the confirmation email along with this complaint for reference. 

I paid the XXXX miles for the trip and booked a REFUNDABLE fare as can be validated in the confirmation email attached. I was able to take the flight to XXXX, however, while flying back, we took the mandatory XXXX XXXX 48h before departure and we XXXX  XXXX. My fiance was also having symptoms and I was exposed. I contacted Capital One travel and informed them that I will not be able to take the flight from XXXX to XXXX on XX/XX/XXXX. The customer care agent said he had to talk to XXXX XXXX to get their confirmation and XXXX confirmed that their policy allows for refunds when exposed to XXXX. However, Capital One did mention it would take 2-3 weeks for the refund to reflect on my account. 

So, I went ahead and booked a separate flight to fly back to USA and was hoping Capital one would refund the flight fare. It's been 18 months and I am still being made to run post to post to get my refund. Every-time I call Capital One customer service they always say they have to talk to the airlines and that the wait time will be super long so they said they will talk to the airlines and get back to me. I have gotten this answer at-least thrice but with no correspondence back from Capital One. 

When I called to complain again on XX/XX/XXXX, the agent this time dismissed any activity and said that there has been no annotation on the claim since XXXX of XXXX. Which is absurd since i have called multiple times between XXXX and XXXX. She assured me she would resolve the issue. I was on hold for good 30 mins when she was supposed to talk to XXXX XXXX and figure out the issue. However, true to their nature, she decided to abruptly drop herself from the call with XXXX XXXX without realizing that my line would get connected to them. Accidentally, but luckily for me, my line was connected directly to the XXXX XXXX rep who told me very clearly that the Capital rep did not have the information to retrieve the booking with XXXX XXXX and when asked for the additional information, she just dropped off. 

This is the nature of their service and who would have thought that even after 18 months, capital one would not do me the courtesy of giving the rightful refund. Fed-up with it, when I try to talk to the airline directly, they would not encourage me since I booked the ticket through Capital One and they want me to talk to capital one rep. 

I have been more than patient with the Capital One folks having waited this long. But now they leave me no choice but to lodge a formal complaint with CFPB.
Product: Vehicle loan or lease

gm financial is sending wrong Information to the credit bureaus they promised the fix it. Now o was denied a loan bcof. This false info. Pay my bills and on time
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX  XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

This issue appears to be recurring in the last 6-8 months. I have had bill pay with Wells Fargo for several years. With their service I post date of transaction and then a drop down menu for date to be paid which I generally post and release 2-3 days prior due date. Within my own credit card with Wells Fargo I have been in the past able to post on the same day as due date without any interest charge. 
The last month they withdrew from my payment of {$1400.00} post date XX/XX/XXXX for withdraw XX/XX/XXXX with a due date of XX/XX/XXXX. 
This month statement I'm charged for a interest fee of {$22.00}. We have conversed through email and now they have taken payment out on XX/XX/XXXX of {$1400.00}. Now being displayed as 20 days late of payment. 
I am trying to build my credit and not sure of the recourse that I should take but this is not tolerable switching a payment out of my bill pay and posting that I am now 20 days late. I have paid in full for this to day XX/XX/XXXX with due date XX/XX/XXXX showing the it will not be delivered until XX/XX/XXXX. 

Pleas help
Product: Money transfer, virtual currency, or money service

I used Remitly.com to conduct a transfer for a business transaction to pay an invoice for goods/services provided in XXXX XXXX. I entered the information for the recipient including banking information for a direct to account transfer. The transfer was initiated within seconds. Within one hour I received a notice that the there was a delay with the transaction so I called Remitly.com and they explained that the the recipient bank refused the transaction without any real specifics. I asked if it was because the recipient account was a business account. They then told me that indeed they can not accept transactions to business bank accounts. I said fine, cancel the transaction. Again, this was within an hour of the start of the transaction. This is where the problem begins. I then receive multiple texts and emails informing me that the there is an issue with the transaction. I email and text back that I already spoke with someone and that the transaction was cancelled. More texts and emails. ( This continues for three days ). I again inform them that the the transaction should have already been cancelled. In the meantime I notice that the funds have been withdrawn from my account. Granted it's only {$310.00} but the point is that the transaction was cancelled immediately and they were the ones who informed me that the transaction could not be accepted. ( Their website shold clearly state that no transactions can be made to business bank accounts ) The the fourth day I finally receive a notice that the transaction has been cancelled and that they will refund my {$310.00} with the notice that it can take up to 10 business days for the refund to clear. So here is the real complaint. Whey can they take money from account within minutes ( for a transaction that they knew immediately would not go through ), yet they are now allowed to hold ( FLOAT ) my money for 10 business days? This is not fair business practice and it is clear that they are simply holding my funds ( and likely millions of other dollars ) to gain financial interest.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I requested that incorrect data be removed from the Lexis Nexis report, and on XX/XX/2024, I received a report with the same data. There are addresses, telephone numbers, and accounts connected to others that are listed as my info. I have been a victim of identity theft in the past as a result of the Department of Veteran Affairs breach ( 2x ), XXXX XXXX, XXXX XXXX data breach, and I am expected to allow those improprieties to remain on my report. The report advised that as a result of the reinvestigation, " the data being reported as unverifiable '' ; however, the information was left anyway. Based on the data from Lexis Nexis, an individual with my same first name, same initial, and last name has data on my report due to residing in the same geographic area. There seems to be no real standard for Lexis Nexis to remove the information, as they are paid by companies for said info, which in my case is frivolous in many areas. Since the data is inaccurate on the Lexis Nexis report, which feeds to the 3 major credit bureaus, I am forced with a negative credit report burden that I did not create, but am forced to suffer the consequences.
Product: Credit card

On XXXX XXXX, I authorized a Wells Fargo credit card transaction for {$2300.00}, to XXXX XXXX XXXX. I learned soon after it was a scam. They said they were a program of XXXX, but instead it's a XXXX XXXX XXXX scam. They sold me a product that doesn't exist, under the cover of a company I would recognize. I called my bank to report the scam and try to recoup my money. They denied the claim, because XXXX  XXXX XXXX provided proof that I had authorized the charge. I resubmitted a claim again and again, each time giving more details, but continued to be denied. At this point XXXX  months have passed, I called once again needing to understand why it was denied, and they said I should have filed a dispute claim instead of a fraud claim. So then, I called to submit at dispute claim. but they told me I was out of my time frame and there was nothing they could do. They should have told me right away to file a dispute claim, so I could have been with in my time frame. I need help getting my money back. Wells Fargo is not doing anything to recover my loss. Instead caused me XXXX  months of lost time and options. It's not hard to research this company and find out they ae scamming people. I have reported XXXX XXXX XXXX to the Federal Trade Commission. Report # XXXX
Product: Credit card or prepaid card

I received the American Express Platinum credit card on XXXX XX/XX/XXXX. I had the intent to use this card under the assumption that the {$550.00} annual fee for this card would be waived under the Military Lending Act, as I have been on XXXX XXXX military for the last 2.5 years. Every member of my unit who applied for this card had the annual fee waived within a week or two ( I can provide references for that if needed ), and so I went forward and eventually received the card. Around the time the annual fee was charged, roughly XXXX XX/XX/XXXX, I made an inquiry over the phone with American Express to apply for military benefits to have this fee waived. I thought this was strange because when applying for the card, the application asks for your source of income, and I had chosen the military option, provided a street address on the military base I am on, etc. The inquiry came back nearly a month later to tell me that I am ineligible for AMEXs SCRA ( Service Civil Relief Act ) benefits. I submitted another inquiry to make sure that wasnt a mistake. The next inquiry came back with the same results, roughly another month later ( each inquiry was made over the phone, while I tried to explain to each rep. that I was in the military and just wanted to see if I could be credited back the annual fee ). After the 2nd inquiry came back, I spoke on the phone with a specialist from AMEX who allowed me to reopen that inquiry and submit supporting documents, such as my XXXX XXXX orders from my military duty station, which shows my swearing in date ( date I began XXXX XXXX service ) as XXXX XX/XX/XXXX. When that inquiry also came back as denied on XXXX XXXX, I spoke to another specialist, who then told me that their annual fee on the Platinum card is done through the Military Lending Act and in XXXX is determined upon applying for the card. The specialist resubmitted a new dispute inquiry with a comment emphasizing that I was seeking a benefit under the Military Lending Act, rather than the SCRA. This morning, the inquiry was denied again. I have spoken to at least 8 different representatives from American Express to explain this situation and 0 have been able to help. I had to pay this annual fee in order to avoid any late fees. The only reason I applied for this credit card is because of its wonderful benefits and that military members do not pay the annual fee. I am in the military. I make a guaranteed income, but this was a fairly large amount of money for me, and I feel as if there is no one else that can help. American Express customer service has been useless. Please help.
Product: Debt collection

I noticed the debt from XXXX XXXX XXXX late 2023 when I was trying to purchase a home. I called the company and told them it was not my debt, I did not know anything about it. I asked them to take it off. I thought the matter had been resolved because it was taken off for a while. It has apparently been sold to a collection agency

Resurgent LVNV Funding. A debt for {$470.00} has been placed on my credit report again. How was the debt made? did the person use false identification? I am a XXXX with medical issues. It is very tiresome and stressful having to do so much leg work to get a fraud
transaction removed from my credit. My credit score has gone down by XXXX XXXX points because this collection was placed on my credit report. I want to make a financial transaction, but cant until issue is resolved. These collection agencies don't seem to care if you are a victim they try to make you pay almost by forcing your hand. I don't want to pay a debt that does not belong to me. I want this debt taken off Asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX XXXX XXXX took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to  resolve the issue with the merchants but i was not successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXXXXXX # XXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

fraudulent accounts and identity theft and harassing and threatening phone calls to myself and my family
Product: Credit reporting or other personal consumer reports

I am a Service XXXX XXXX XXXX War Veteran and have been a loyal USAA member since XXXX. I am filing a formal complaint against USAA and XXXX XXXX XXXX XXXX for their improper handling of my auto insurance policy renewal, which I believe involves violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. My auto insurance policy ( Policy Number : XXXX XXXX XXXX ) is currently active, and I have been making monthly payments leading up to its expiration on XX/XX/XXXX. On XX/XX/XXXX, I received a notice indicating that my policy was renewing. However, on XX/XX/XXXX, I unexpectedly received a non-renewal notice dated XX/XX/XXXX, postmarked XX/XX/XXXX, citing O.C.G.A. 33-24-45 ( e ) ( 3 ) ( H ), 33-24-45 ( e ) ( 3 ) ( h ), and 33-24-45 ( e ) ( 3 ) ( I ) related to incidents from XXXX  to XXXX. The notice stated that information from XXXX XXXX XXXX XXXX was used in making this decision. However, I had previously notified XXXX XXXX XXXX XXXX to cease and desist from reporting any information about me as a third-party. The use of this information by USAA and the failure of XXXX to comply with my cease and desist request may constitute violations of the FCRA, specifically 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ), and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). My policy includes Accident Forgiveness, which was not considered in this decision, and I had no prior indication that my renewal was at risk. This sudden non-renewal has caused significant financial harm and emotional distress, as I have been left scrambling to secure new insurance under duress. The non-renewal notice did not meet Georgia 's 30-day notice requirement, as it could not have been delivered in time to meet the deadline before the policys expiration on XX/XX/XXXX. Additionally, I had requested USAA to notify me online of any documents related to my policy, yet the non-renewal notice was not uploaded to the USAA system as of XX/XX/XXXX, raising concerns about transparency and compliance with federal regulations regarding credit reporting and consumer rights. I am seeking a thorough investigation into whether USAA 's decision was improperly influenced by information from XXXX and whether XXXX violated federal law by continuing to report information about me after I had issued a cease and desist request. I am also requesting substantial financial compensation from both USAA and XXXX for the harm caused, including out-of-pocket expenses, emotional distress, and punitive damages. I request that the CFPB take immediate action to investigate these practices and ensure compliance with all relevant consumer protection laws.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




ONLINE INFORMATION SER ( Original Creditor : 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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.