23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint to report what I believe are deceptive business practices and delay tactics by Capital One in fulfilling commitments through their rewards program. Despite following all requirements to redeem my rewards, Capital One has failed to deliver, and my attempts to resolve the matter have been met with empty promises and delays. 

I have made every attempt to contact Capital One through all means possible. However, their website provides no direct contact information for disputes other than a customer service phone number, which I have exhausted in my attempts to resolve this issue. 

Issue Details : On XX/XX/XXXX, I redeemed my Capital One rewards for a {$100.00} Ruths XXXX gift card. Despite fulfilling all requirements, I have yet to receive the gift card. 

Timeline of Events : XXXX. XXXX XX/XX/XXXX : I reported the issue to Capital One ( XXXX # XXXX ) and was assured it would be resolved no later than XX/XX/XXXX. 
XXXX. XX/XX/XXXX : During a follow-up call, I was informed there was no progress, but I was again promised resolution by XX/XX/XXXX. 
XXXX. XX/XX/XXXX : After the promised resolution date passed, I followed up again and was told there was no update. My request for escalation was denied, and I was advised to remain patient. 
XXXX. XX/XX/XXXX : Still no resolution. 

These repeated delays and broken promises suggest that Capital One may be using tactics to avoid fulfilling their obligations under their rewards program. I consider this behavior misleading and contrary to fair business practices.

Resolution Requested : XXXX. I request that Capital One issue the {$100.00} XXXX XXXX gift card I redeemed without further delay. 
XXXX. I request that my account be closed immediately, as I will soon be charged a new annual credit card fee and want to close the account before this charge is placed on my account. However, I understand from Capital One that this can not occur until XX/XX/XXXX, due to the completion of a charge dispute unrelated to the above issue. 

Capital Ones handling of this matter raises concerns about the integrity of their rewards program and the deceptive practices they employ. I respectfully ask for your assistance in ensuring that Capital One fulfills their commitment and ceases these delay tactics.
Product: Credit card

I have contacted the company repeatedly and filed one CFPB complaint, regarding the company refusal to to provide cash advance and then to send me a new credit card, The company repeated insisted that I needed to call from XXXX and that they would not deposit my cash advance into my US account, from which I have been paying them. I requested, twice, that they mail me a new credit card, After 3+ months, they mailed, TO MY XXXX ADDRESS, the second card for another account, Then, for no reason at all they reduced my credit limit from {$16.00} to {$9.00}, with only {$600.00} available for cash, Well this latest action made both the cash advance issue and the new card issue totally irrelevant. 
By the time Discover put the final nail into my financial coffin, my credit report had already been pretty much ruined by XXXX and XXXX  XXXX XXXX, The last nail, turned my credit rating from the very good/good a few months ago. to " poor '' as of yesterday. I am also left without any credit available My XXXX  XXXX has to be cancelled, as the insurance company would not pay upfront. 
Yes, by now, Discover has a reason to be concerned, ad XXXX and XXXX totally XXXX up my credit file and my credit worthiness, However, so far, I have given Discover no reason for shutting off my credit So, if Discover does not make my credit card at least somewhat useful to me, they must close my account and bear full responsibility for it, For the card to be useful to me, IT MUST HAVE MIN {$12.00} credit line and the new card shipped to me in XXXX immediately. 
Otherwise Discover must close the account XXXX immediately, for it to be eventually included into Bankruptcy, I shall remain responsible for my second Discover card for as long as its {$2000.00} limit is NOT reduced,
Product: Bank account or service

I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX  : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. CAVALRY PORTFOLIO SERVICE - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1. XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXXXXXX XXXX XXXX - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX  XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

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

I have just started a new business and applied to Wells Fargo to set up a small business account. On XX/XX/2019 I was emailed pre-filled documents to sign and send back as part of the application process - I just opened the links in the document emailed to me and one of the forms has another customers information filled out including his full name, phone number, business name, EIN and SIN. 

I have reported this to Wells Fargo and they are apparently investigating. They are also looking into whether my personal details were also shared with this customer or anyone else, I am waiting on the results of the findings. 

I am very alarmed and concerned by this incident and want to report this incompetence, invasion of privacy and security risk to the authorities. 

I have also had other issues of incompetence and unprofessionalism in dealing with Wells Fargo business department and do not feel comfortable or safe banking with them. 

In order to protect and include the other customer is this report his name is XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

This company ( NCB ) is violating my rights with inaccurate information, and they have not provided me with accurate validation, yet they have placed a collection account on my consumer credit report information UNDER 12CFR 1006.34 ( b ) ( 5 ) yet ( NCB ) is violating my rights and I'm entitled to { {$1000.00} } for each violation I have listed, that can pay me { {$1000.00} } or DELETE this inaccurate account. They never dicslosed who the debt is from and why for {$1600.00}
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a Capital Good Fund Loan, I was denied credit and I explained my situation to them as well as letting me them know that I am capable of paying the loan and other financial obligations timely. They at falsely advertised that they finance everyone regardless of their XXXX  Scores, etc and they are supposed to be Nonprofit. They are some LIARS!!
Product: Debt collection

today XX/XX/23 around XXXX CT i was called from william rush debt collector and a woman called and automatically started trying to verify personal information which i told her i did not feel safe giving that information without knowing why she was calling and what company she is calling from. she stated well if you let me speak which i was and i was not rude and even calmly explained that i was and i restated i did not feel safe giving personal information without knowing what company she works for that and that's when she stated that i will just let them know to continue with their complaint and hung up on me. it wasn't till i called the number back at XXXX that the person who answered stated i was calling Williams Rush & Associates LLC and when i spoke that i was just called the line was disconnected again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 accounts on my credit report that do not belong to me I need these removed asap I have filed for FTC I have been disputing these since XXXX of 2020 and I am getting pretty ticked off since I am spending days and days on these trying to save my credit from accounts that are not mine they do not belong to me I have no idea how these are on my credit and who put these there. I own no such cards or accounts. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Mortgage

We had an original sheriff sale ( Ocwen Loan Servicing ) date of   X/XX/16   and the notice was published on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX ,   XXXX   &  XX/XX/XXXX . We had the property ( in the family for   XXXX   years ) listed for sale despite not wanting to at the end of   XXXX   XXXX   . I  called the local attorneys office   XXXX   XXXX   XXXX   XXXX   on  X/XX/16  asking the price it sold for and who purchased it and left a message. I did n't hear back so I called again on   X/XX/16    and spoke wi thh    XXXX   XXXX   and he stated it was pulled from the sheriff sale because " they did n't serve us '' which they are required by law to do. Since this was published we had to lower our asking price by $  XXXX  because people knew it was going to auction. It is still currently on the market.
My husband has had unfortunate health issues over the last few years being in and out of work. He   XXXX   his   XXXX   over  XXXX  weekend in  XXXX  and was unable to work until earlier this year.  He was in a    XXXX     for  8 mon ths for 23 hours a day with no income. He was denied  XXXX  twice. It is now under a second appeal with an attorney we had to hire to hopefully get some back-pay.
I tried to work with Ocwen for a modification, unemployment forbearance or anything to help save our property but to no avail. They have applied so many fees that we 've lost track. I do not believe Ocwen 's " Helping Homeowners is what we do '' motto because they do n't help homeowners. They drain them financially and emotionally by giving false hope and then letting you down. You talk to people all over the world that you ca n't even understand and end up getting so frustrated going around and around in circles. They need to be investigated, something needs to be done!
Thanks,
Product: Debt collection

Electric company ( XXXX XXXX ) turned account over to debt collection agency for refusal to pay portion of my bill that resulted from utility theft/charges being placed on my account that I was not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute against a debt with XXXX, original owner, XXXX XXXX closed the account & sold it to XXXX. On XXXX the XXXX 2022, I received a alert from XXXX XXXX informing me that my credit score had dropped XXXX points. This was supposedly due to a remark that XXXX XXXX had placed on my file. I contacted Equifax and they informed me that the investigation had not been finalized, and NOT AWARE of any remarks XXXX XXXX placed in my file. I IMMEDIATELY contacted XXXX XXXX again to inform them that they have no evidence to lower my credit score and that they acted prematurely. The only response that I could get from them was to refer to my file and read the remark.1 ) XXXX XXXX had no communication with Equifax and made a decision with intent to negatively impact my score. 2 ) XXXX XXXX used unfair practices which will bring a negative impact to my borrowing power and reduce offers I am currently receiving. I will be subject to higher interest rates and fewer loan approvals, etc. 3 ) I have disputed this SAME debt with Equifax for over a year as " Not being mine/no knowledge of account/someone with similar name and NEVER impacted my score. 3 ) Equifax had a data breach and refuse to acknowledge that in this situation. This " remark '' ( falsehood ) has been hidden and XXXX XXXX will note reveal it too me. Please assist, Thanks!
Product: Checking or savings account

I am filing a complaint against Bank of America for wrongfully withholding reimbursement of {$12000.00} of {$16000.00} related to unauthorized transactions on my account.

Bank of America opened and closed my claim multiple times without providing any evidence that I authorized the disputed transactions. Despite providing evidence that I did not authorize the charges, Bank of America continues to refuse reimbursement, violating Regulation E.

Key Issues : 1. Bank of America reopened and closed my claim without explanation.

2. Bank of America has failed to provide proof that I authorized the disputed transactions.

3. They closed my account while my claim was still pending, preventing me from accessing updates.

4. They refuse to reimburse me the full amount despite admitting fraud occurred and partially refunding me.

I request the immediate reimbursement of the {$12000.00} owed to me, and demand a full explanation of why my claim was denied despite the lack of evidence showing that I authorized these transactions.

Desired Resolution : Full reimbursement of {$12000.00} for the unauthorized transactions Immediate confirmation that my claim will be paid in full
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me. It hasn't being authorized by me and it has to be removed. 
XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

My escrowed closed on or about XX/XX/2018. The lender and escrow company had misleading and deceptive business practices. I am requesting assistance to recover the excessive costs and fees that paid. I feel that I was discriminated against because of gender and color I paid to many high fees that I feel I would not have been charged if I was not a woman of color.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I ordered 4 tires on XXXX and used affirm to pay for the tires and installation fees. The total was for {$540.00}. The service was scheduled for XX/XX/year>,. 

When I arrived to XXXX for the service, I was told that the tires that I selected would not fit my car. I had bought the car used and did not know the previous order had put larger after market rims on the car. The technician told me that he I didn't need a new set, just one needed replacing. So I decided to purchase one tire instead of a whole set. 

He canceled the order and I had to go back on affirm.com to purchase a one new tire. The technician tried to refund me for the full amount, but was only able to refund me for the tires, which totaled to : {$410.00}. He told me that the remainder which was for the installation, would have to be refunded through XXXX 

While I was waiting for the tire to be put on, I contact XXXX 's customer service chat, and they stated that a refund for the remaining amount, {$120.00}. And that they would contact Affirm to let them that they were refunding said amount. 

Affirm is still trying to charge me for {$120.00} plus interest even though I submitted receipts and screenshots of my conversation with XXXX 's online customer service because XXXX is not responding to their inquires. 

That is not fair to me a consumer of their services for more than a decade. I am rightly paying them for the one single tire I did get with a separate loan, but this loan should be null and void because I did not go through with the purchase of the 4 incorrect tires and they were not installed. I am not for sure if XXXX did not return money to Affirm, that should be between XXXX and Affirm. I shouldn't be at a financial loss because of XXXX. I had to report XXXX years ago because they took money from me and would not send the product. When my make tried to contact them for an inquiry, they refused to respond.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to get multiple accounts removed from my credit report and asked for documentation to prove that it was mine and I have not received any response back from them yet. Also I have a lot of unauthorized hard credit report pulls that I did not authorize on my credit reports to
Product: Credit card or prepaid card

My tax return was sent to credit Karma on XXXX for {$2500.00} XXXX for {$80.00} and XXXX for {$2700.00} The person who filed my taxes for me hacked into my account using the virtual card and had that money cashapp to her account her name is XXXXXXXX XXXX aka XXXXXXXX XXXX DOB XXXX Social Security number XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX I have filed a police report and reported to FTC XXXX XXXX has not put the money thats owed to me back on my card and is saying I have a negative balance of {$2700.00} I do not owe this money and they owe me that money since I did not XXXX her! It can be traced through the virtual card as the representative told me how it was accessed. I never even knew about a virtual card XXXX they blocked the virtual card on XXXX due to my disputes.
Product: Credit reporting or other personal consumer reports

I would like for XXXX and Equifax to remove the following accounts from my credit report since I've been the victim of fraud and id theft : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all of the hard inquiries on my credit report as well as regional finance