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

My wife used her 0 % apr and interest card to pay my {$3300.00} I owed on my Capitol One card in XXXX. Capitalone cashed the check on XX/XX/XXXX. However, they didn't take it off my card. I paid on my card until XX/XX/XXXX and they still had it pn my credit which was killing my utilization of credit so my credit score kept going down. I called and spoke with them about it and they told me they didn't get the check. My wife 's bank immediately faxed and mailed them and us a copy of the check front and back. Capital one would not freeze my account until they found the check they said. Once we and the bank sent all the proper paperwork via fax and through mail they still kept saying they didn't get it. I called them 4 times the bank sent the info so did we and they still as of XX/XX/XXXX didn't get any of this paperwork. They kept this on my credit score and it still is on my credit today even after a 3 way call between the bank that took the balance transfer over, capital one supervisor, and my wife and me. Yesterday was now the 4th separate time us and the bank have sent them the check and papers needed. They still are saying they didn't get it through mail or fax. 
To make things worse on XX/XX/XXXX they credited my account the amount of the check and my account was in the negative. So I started using it a little just to keep it around 10 % utilization. My credit got back up to XXXX then on XX/XX/XXXX they the XXXX back on my credit balance as being sue. That pushed my credit usage almost {$1000.00} over my {$3500.00} limit. So I called them again they said it's because they never got the copy of the check. So now my credit card is around {$4300.00} and my minimum payment is {$410.00} a month. Which I told them I'm not paying a dime on any of it because they are incompetent. My credit score is now at or below 500. They sabotaged my credit and my life because I needed that card to pay a lawyer for his services now I can't. They have done or reputable damages to my credit charged me thousands of dollars in interest and fines and someone needs to do something about this. They have damaged my reputation with my lawyer and others and have made me spend countless hours trying to get all the paperwork together and trying to talk to them on the phone. I can't get that lost time with my kids back. What can y'all do for me because the Attorney General is next and a lawsuit if I don't sue them anyway. Any paperwork y'all need showing proof and the other bank can vouch and give you there receipts when they faxed it. Thank you for your help and please if anyone is reading this never get involved with Capitol One. I have been a customer for almost 5 years and never missed a single payment now look how they ruining my life and credit!!!
Product: Credit card or prepaid card

I was promised a refund of {$1000.00} from a third party vendor, XXXX, for a hotel stay in XXXX, that I cancelled in XXXX due to the pandemic. XXXX did not honor their promise, so I disputed the charge with Capital One. My travel agent sent ample documentation with all the necessary information, per Capital One 's request, on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Capital One saying I would be responsible for the charge because XXXX 's said that I was aware of the " no refund '' policy when I booked and that I refused a voucher. This was not true. My travel agent submitted proof that they offered me a refund but then reneged due to financial trouble. I was NOT offered a voucher. 

I made a series of phone calls to Capital One 's XXXX XXXX, beginning on XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to check the status of my case. Each time I was assured that they received the documentation, that it was complete, and that I'd hear from them soon. I was on the phone an hour this last call on XX/XX/XXXX, and spoke to an agent and a supervisor, who acted like they'd never seen my file. The supervisor offered many excuses as to why my dispute was not settled, and he wanted to review my file on the phone with me -- all 14 pages! ( I do not have the original file ; it is in my agent 's possession. ) He made a decision, after myriad ridiculous excuses, to deny my dispute. His final excuse was that I didn't submit proof that I was not offered a voucher. How on earth can I submit proof of something I do not have? I had, however, submitted a statement to Capital One on XX/XX/XXXX, saying I was not offered a voucher. I felt like I was being given the run around, like this supervisor was looking for every excuse to not honor this dispute, and he was condescending. When I asked who his supervisor one, he said he didn't have one. Outrageous! I will be severing my ties with Capital One 's credit card division in the near future. The customer used to be protected. Not anymore, apparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I want to report a Hard Inquiry on my Credit Report that i dont recognize. The Hard inquiry was done XX/XX/2021 by the company below : NAVY FCU Location XXXX XXXX XXXX XXXX, VA XXXX I did not apply for a loan or open a new account with this company and do not recognize what this is. Someone has access to my information and i would like to report it. Please tell me the correct steps to get this fixed. Thank you.
Product: Credit reporting

I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a  " Fraud Victim Extended Alert ''   removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last  X/X/2017   .
Product: Mortgage

I live in and XXXX XXXX XXXX XXXX XXXX  in XXXX California. The Thomas Fire XXXX XXXX - XXXX ) destroyed many homes and businesses in the XXXX area. Because of that fire many people lost their homes and had to move out of the area. This seriously affected my business because I lost a large number of clients. Then after years of drought, we had heavy rains in XXXX. Because the landscape was gone, the area suffered severe flooding. Those people who hadn't lost their homes in the fire, lost them due to flooding and mudslides. Again, I lost clients due to these natural disasters and I was not earning as much money as before. Also, my business was damaged by the fire and the flooding. 
I tried to modify my loan with XXXX  but they only offered me a repayment plan that had payments much higher than I was previously paying. On top of that it had a balloon payment at the end of the repayment plan. My business has still not recovered from this loss and I can not afford the high monthly payments XXXX   offered and I certainly can not afford a balloon payment at the end of the repayment plan term. I am afraid of losing my home. I missed payments because of my reduced income and XXXX  does not seem to care that some of the worst natural disasters in California history affected me personally. 
I am lucky my home was not destroyed but between losing my clients and some damage to my place of business I am not earning what I had in the past
Product: Debt collection

I use the app XXXX to monitor my credit score and credit history. I went to apply for a personal loan from my Bank and was denied.

Well, the bank said I was denied because of a collection in the amount of {$2700.00} I believe thats the amount. From a company McNeil & Meyers I have no knowledge of who they are. I disputed through the XXXX XXXX no luck having this removed off my credit report. I also filed a XXXX dispute form and attached a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute notices for multiple accounts to XXXX, XXXX & transunion in XXXX of 2021 after I received a reply back stating that all accounts were accurate I sent in proof showing that each accounts were reporting inaccurate information. I was the. Told that it was still accurate on XX/XX/XXXX I sent a request to the bureaus asking who and how each account was verified since this is my right as a consumer I was advised that they dont have to reinvestigate any dispute. I never asked them to reinvestigate I simply asked them to provide me with the name and number of the person or persons that validated that the accounts were accurately reporting. The credit bureaus have repeatedly ignored my request and will not remove these accounts that are inaccurate, this is hurting not only my credit score but it is hindering me from living the life I deserve.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was shopping for a handbag at Bloomingdales Valley Fair in XXXX XXXX, California on XX/XX/2023. I found a handbag I liked that cost {$2400.00}. The sales associate told me that if I applied for their store credit card and purchased the handbag with the card, I would receive 20 % off the retail price in the form of a credit and I would see the credit on my credit card statement. The sales associate even tried to persuade me to buy the matching wallet because my credit of roughly {$500.00} would almost pay for it. I did not purchase the wallet but I made a mental note so I would know how much to look for on my statement. When I received my statement, I was only credited {$270.00}. I called Bloomingdales credit card services on XX/XX/2023 to report the error and request a credit for the remaining amount. I was told that the sales associate provided misinformation and that there was a limit of {$250.00} for the credit card promotion. This really didnt make sense since I was credited {$270.00}. They offered to credit me another {$10.00}, which is well below the amount I am owed. They did not resolve this issue. They also told me this is a common complaint they receive because many other customers have been deceived by sales associates offering this same credit card promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I noticed today that there was an hard inquiry on my credit report from XXXX XXXX. I have asked trans union and XXXX to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a XXXX XXXX or any line of credit with XXXX XXXX. Ive also had to put credit freeze on my accounts with each bureau.
Product: Credit card or prepaid card

I contacted Affirm before my due date on XX/XX/XXXX and they told me to apply for the hardship program. 
I have tried applying numerous times, which they said they could see, but their website and app keeps timing out and making it impossible to submit anything for their hardship program. 
This was elevated to some kind of customer service on XXXX and they said it would take XXXX business days. 
When I didnt hear anything by the XXXX, I emailed them again. They have not responded back and its now XX/XX/XXXX. I feel that they are purposely ignoring my requests and theyre collecting late payment fees onto my account and now Im XXXX  days past due and getting closer to them reporting to the credit bureaus that Im late when Ive been asking for their help for over XXXX weeks.
Product: Debt collection

XXXX XX/XX/year> Consumer Financial Protection Bureau I am writing to file a formal complaint against Aldous & Associates P.L.L.C. for their failure to provide me with a debt validation letter as required by the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I was contacted by Aldous & Associates P.L.L.C. regarding a debt they claim I owe. Despite their initial communication, I have yet to receive a written validation notice detailing the specifics of the debt within the five-day period mandated by the FDCPA. 

I have diligently awaited the validation letter to verify the accuracy of the debt and to understand my rights and options regarding its resolution. However, Aldous & Associates P.L.L.C. has failed to fulfill this legal obligation. 

This failure to provide the required validation notice has left me in a state of uncertainty regarding the validity of the debt and my obligations concerning it. I believe that Aldous & Associates P.L.L.C. 's actions are in violation of the FDCPA. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action againstAldous & Associates P.L.L.C. for their non-compliance with federal debt collection laws. Additionally, I urge you to ensure that Aldous & Associates P.L.L.C. provides me with the necessary validation letter without further delay. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Product: Credit reporting

XXXX wireless mobile account listed in my report is not mine and is in another state, Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - XXXX XXXX XX/XX/21 - Capital One Auto Finance I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

In XXXX I applied for the Truist Promo XXXX and was approved. On XX/XX/XXXX I made my a direct deposit of {$620.00} From my employer. From then on up until XX/XX/XXXX I made 15 qualified purchases ( as required for the promo ). After 6 weeks following the completion of the promo terms and conditions I reached out to Truist but was told to give it more time. I eventually stopped in at a Local Truist Branch office and was told they don't handle promos. After speaking with a customer service representative later on I was told I didn't qualify for the promo because I hadn't made any deposits. I informed the representative of the dates of direct deposits and amounts and the representative said they'd call me back after they look over my account. I haven't heard from them in over 3-4 months. The Promo page says I don't qualify for the promotion reward of {$400.00}. I'm about to close out my account because I'm wasting $ XXXX just to keep the account open waiting for my reward but, I need that money.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my report. 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/year>
Product: Money transfer, virtual currency, or money service

I had an unauthorized transfer based on a fraudulent account takeover and Coinbase is insanely unresponsive. When I finally got someone on the phone they were 100 % inept. Clearly not aware of anything about account hacks. I LOST $ XXXX OF XXXX TODAY. And yet no one who can actually help will get on the phone. The Rep repeated assured me on the call ( which was recorded ) that there was no activity on my account. Repeatedly said that- but I saw it with my own eyes ; and an hour into the phone call after I insisted he keep looking, he realized he had missed it. Again CHECK THE PHONE LOG. The conversation was recorded. When it was clear to me that he couldnt help and was only hurting my chances of recovery, I asked to speak with a manager. He said managers do not get on the phone ever. Insane! I have a $ XXXX loss and a manager cant help? Instead Coinbase offers an inept, poorly trained Rep who made things worse. I need my $ XXXX returned immediately. The security controls are wildly lacking and the customer service insanely inept. I dont understand how you can treat financial institution customers like that. Your security controls are so lacking they are negligent. Its insane to me that you didnt pick up a massive sweep of my account after a password change and no factor authentication. Thats basic security!!! 

I can not wait and am filing this before I file a lawsuit. Procedurally I will move quickly as its clear that Coinbase doesnt have the capacity or interest in helping. I cant wait 5-7 days to learn if a manager will answer an email about my stolen $ XXXX of XXXX. Thats insane!!! Yet its how CB does business apparently. I need help - I tried to get it through customer service and it only made it much worse. Now I need legal and regulatory enforcement assistance. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  credit card I closed this account back on XX/XX/2023 when speaking to their representative I was informed I had a XXXX balance. I confirmed this a second time with this representative before completing my call. Then my credit reports showed I was 30 days past due and dropped my credit scores dramatically.i called this company again and spoke to another representative around XX/XX/2023 this representative stated that I closed the account with a XXXX balance and they added fees after this account was closed. He also stated it would be corrected or deleted on my credit reports by XX/XX/XXXX. Then I got hit with a 60 day late payments reported to the credit bureaus. a again called and spoke with a supervisor who couldn't even verify my phone call or close date and said this account was closed XX/XX/XXXX. I told him I wanted the phone calls reviewed by their back office. I called back again and spoke to another supervisor who claimed they admitted the call on XX/XX/2023 the representative stated I had a XXXX balance and they gave me incorrect information and the phone call when I closed this account they said that representative stated there was a {$6.00} XXXXfee on the account which is a 100 % lie. If that was the case I would have paid it then. I asked her and reconfirmed I had a XXXX balance. Anyway the last supervisor I spoke with said I had a balance of {$58.00} at this point even though this was still under investigation by them and offered to wave late fees on the fees and I reluctantly made a {$20.00} payment with them feeling like a victim and to just to stop them from continuing to falsely report to the credit bureaus. I also asked to speak to a manager who she stated were gone for the day but one would call me back. Never received a call back. Also I asked this supervisor to have a different person review the phone call on XX/XX/XXXX because I know the representative told my twice I had a {$0.00} balance! I have never missed a payment and kept this account in good standing for over a year also one of the credit bureaus is reporting this account was closed XX/XX/XXXX I believe it was XXXX and TransUnion shows XX/XX/XXXXXXXX XXXX