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

CapitalOne SavorOne card is supposed to come with an early spend reward : Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account opening. XXXX XXXX XXXX  I applied for this credit card when this was offered and used it according to the terms. I did not get the reward amount that was promised. 

Upon further investigation, it seems that the {$200.00} offer did not apply to my account. The {$200.00} offer did not appear in my credit card information sheet that I got after the card has been approved. 

The representative over the phone was not able to identify the reason for this. There was no indicator that could be used to determine how this offer disappeared. 

I find CapitalOne 's application process to be extremely misleading, because at no point in the application process am I supposed to believe that the {$200.00} cash bonus is not applied to all SavorOne cards. I could only possibly be aware of this after the card has been approved. 

Reasons for this could range from discrimination to false advertising or tactics like bait-and-switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my identity being compromised from the theft of my identification it has lead to disperacies and fraudulent accounts being abused via my credit file. I'm asking that these accounts be removed immediately and let my true credit worthiness reflect that change. Please remove these accounts 1 ) XXXX XXXX  {$600.00} 2 ) XXXX XXXX {$140.00} If the credit reporting agencies can not provide me with physical documentation then these accounts shall be blocked immediately
Product: Checking or savings account

Sun trust became truist bank. I was sent a new atm/debit card. Tried to use automated system to activate the card ; system said my billing zip code is wrong. It isnt. Directed to call customer service. On hold yesterday for 1 hour and gave up. Called today- on hold 1.5 hours. I have no way of accessing my Money- no checks, cant use debit or atm functions.
Product: Credit card or prepaid card

I have CITI Bank oldest Credit Card ending XXXX Since XX/XX/XXXX and this account payment never late /past due. recently i request for Credit limit increase on XX/XX/XXXX and they use XX/XX/XXXX credit score XXXX during this credit card in past highest credit line was $ XXXX.according to recent credit report my on-time payment is 100 % and one account was delinquent due to enroll in modified mortgage program. They credit increase not approved base on ( 1 ) Serious delinquency. ( 2 ) Ratio of revolving balance to credit limit too high. BUT my delinquency account ( Mortgage account ) is current and good standing as of now and in order to lower balance to credit limit i request credit limit increase requested. so they use old score and negative account take into consideration BUT they do not consider that this account holder is charter member since XX/XX/XXXXand never late on this account they should increase limit as loyal and charter customer who has account 20 year and 11 month old.
Product: Student loan

I called Aidvantage Friday XXXX XXXX XXXX XXXX requesting information on my portal said my account was past due but I had just received noticed on XX/XX/17 that an overpayment was made on my account. I was subsequently hung up on before I was given any information. I called back at XXXX asking the same information, and the representative could not provide me any insight as to why my account was once again past due when it shouldn't have been. They had no answers for me, and when I lamented that I constantly am having an issue with servicing they also hung up on me. How am I supposed to have my account serviced when I am constantly hung up on, and no one can explain why my account keeps being handled incorrectly. I spend more time servicing this account than they do, and am constantly having to correct them, meanwhile they are free to not respond to complaints, inquiries, and hang up on me whenever they feel like.
Product: Mortgage

Sold my mortgage. Kept my {$10000.00} mortgage payment. Did not puti it towards my mortgage payment.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XXXX and informed them there was an account XXXX XXXX XXXX  that does not belong to me on my report. It is affecting my personal life and needs to be removed asap. An operator by the name of XXXX who gave me a an ID number of XXXX told me it would be removed within XXXX hours. As a today XX/XX/23 it has not been removed.
Product: Credit reporting or other personal consumer reports

Please review the documents I've sent as there are inaccurate accounts are on my report that I have no idea of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act all the accounts listed below have violated my rights, and it is just not fair. it has almost ruined my family and child. 

15 U.S.C 1681 section 602 A states I have the right to privacy, and 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I would only ask for your help. I have no other options. Thank you so much.
Product: Debt collection

Kay jewelers has been incorrectly reporting a over 6 year old debt to my credit bureaus. It has been reaged every time it was sold off to another collection agency and is still in the name of the original creditor who no longer holds the debt.The XXXX now owns my debt and has been unable to validate the original date as it has been closed and in collections for over 6 years. They are refusing to remove the negative account on my credit reports and have been negatively effecting my credit score each time they reage my account.
Product: Credit reporting or other personal consumer reports

Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Creditor/Collection Agency Name ] [ Creditors Address ] [ City, State, ZIP Code ] Subject : Request for IRS Form XXXX Account # [ Your Account Number ] Dear XXXX XXXX To Whom It May Concern I am writing to formally request a copy of IRS Form 1099-C for the charged-off account # XXXX that was reported by your company. Under IRS regulations, a creditor is required to issue a 1099-C form when a debt of {$1100.00} or more is canceled or forgiven.

Upon reviewing my credit report, I noticed that this account has been charged off, but I have not received a 1099-C form reflecting the cancellation of debt. If this debt has indeed been canceled or forgiven, I kindly request that you provide me with a copy of the corresponding 1099-C form for my records and tax reporting purposes.

If you have not yet filed a 1099-C with the IRS for this account, please clarify whether the debt is still considered outstanding or if any reporting errors have occurred. I would appreciate your prompt response within 30 days of receiving this letter to ensure that my financial records remain accurate. 

Thank you for your time and cooperation. Please send the requested document to the address listed above, or feel free to contact me at XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program. 
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. 
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. 

Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made. 

When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me. 

If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released what I assume to be my credit header information to an undisclosed party due to inadequacies in their protection of my information. 

I was told to check on their site if I had been affected and was told based on my last name and last 6 digits of SSN that I was part of the breach.
Product: Debt collection

Debt from original creditors transferred to collections ( IC Systems ) prior to 180 days. According to The XXXX XXXX XXXX insurance should be not be allowed so that insurance can complete processing
Product: Money transfer, virtual currency, or money service

Coinbase has a two part verification process. First its the password, then a verification code will be texted to your registered number. Well upon passing the first part, Coinbase never sends the second part. I have received a text for the two years j have been with them. Up until XX/XX/2020, I received those texts. Now no text and no access to my account. Which is crypto currency and I need that info for taxes. I have brought it to there attention and posted on their social media page. The got there attention. I was directed to a XXXX  XXXX  chat which I was fold it would be fixed. And also promised if I missed out on any earn capabilities I would be reimbursed. After three days of off and on chats. Today I come to find the chat had been closed and no resolution at all.
Product: Credit card or prepaid card

I have an American Express credit card. I was three days late making my XXXX payment and they increased my interest rate from 15.24 % to a penalty rate of 29.99 %, and hit me with a {$39.00} late fee on top of that. Since I have a balance of about {$9200.00} this would result in me paying an additional {$1400.00} per year in interest which is three orders of magnitude greater than any harm that Amex may have  suffered by me being three days late paying them. I called their customer service and requested that they reduce the rate back down to the original rate of 15.24 %. The first representative I spoke to was named XXXX, refused to and told that they could do this because it was in the agreement. 
I then asked to speak to her supervisor. Her supervisor was named Mrs. XXXX. She also refused to reduce my interest rate back down to the original 15.24 % and justified it because their account agreement allowed them to do so. I asked her how much me being three days late making my XXXX payment cost American Express. She refused to answer my question. I believe that the cost to Amex of me being three days late paying them was less than XXXX dollars, and they also hit me with a {$39.00} late charge on top of that. So, as far as I can tell they suffered no net harm at all from my being three days late paying them. I asked to invoke their dispute resolution process and Mrs. XXXX claimed that she did not know what I was talking about. 
I also noticed on the CFPB website that credit card companies can only increase interest rates if you are more than 60 days late. I was only three days late in this case. 

Under commercial law the contract clause that Amex relied on to increase my interest rate to 30 % is considered to be a liquidated damages clause. In the case of liquidated damages Amex is only entitled to an amount commensurate with the harm they sustained by me paying them 3 days late. Since interest continues to accrue and they charged me with a {$39.00} late fee on top of increasing my interest rate to 29.99 % they have suffered no ascertainable harm. They have used my misfortune that caused me to be three days late paying them to unjustly and grossly enrich themselves to the tune of about {$1400.00} in addition interest I will have to pay them in the next year, and every year afterward at my current balance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is with GM Financial. I mailed a payment by priority mail on XX/XX/XXXX. GM processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to GM financial falsely reporting negative information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.

2. Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly.

3. Date of Birth : XX/XX/year>. I request that my date of birth be updated.

4. Employers : My only employer is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Debt collection

I've attempted to reach out to a debt collector numerous times to settle a debt in the amount of {$810.00} Each call to them I was that they couldn't find my account or that the account was no longer with them. I received a credit report and as informed that i had a outstanding balance with them still. I reached out to them on XX/XX/21 and spoke with a representative and was informed that it was charged off. I asked if it could be paid in full or set up on a payment plan in order to have it removed from my credit and was informed that I couldn't. I asked to speak with a supervisor and informed that once wasn't available. The representative asked for my contact information and advised that a supervisor would contact me within 24 hours, but still haven't received a call. If I'm not able to resole the issue with them, I will be forced to take further actions.
Product: Credit card

Light in XXXX, I applied for a credit card from XXXX XXXX XXXX. When the card arrived I realized that it did not have the benefits. I expected and called Capital One to close it. I received a letter dated XX/XX/XXXX saying that we are happy to tell you that your identity fraud investigation is now closed. We found the account to be fraudulent and you were not held responsible. I was totally flabbergasted and contacted the number on the letter to correct the information. 

I explained the issue in detail to an agent who put me on hold for a significant time, only to come back and tell me that the account cant be reopened. I repeated myself, saying, I had no interest in reopening the account but but I wanted the reason for the closure corrected. She again put me on a lengthy hold, then once again repeated that the account couldnt be reopened. At this point, I was losing my patience, and sternly repeated what I expected and followed by telling her if she couldnt address it then I wanted to speak to a manager. She came back a third time, and essentially told me the same thing so why demand to speak to a manager. To that she replied I can transfer you, but I cant give you an estimate of how long the hold will be. I waited on hold for 10 to 15 minutes, then gave up. She returned my call saying the manager asked her to and would be right with me. I agreed to wait and after a few minutes the manager came on the line. At this point, I had to explain the entire situation over again, because he refused to acknowledge what I was saying. he also stated that there was nothing they could do so. My next step is to file this complaint. 


** I destroyed the cards when I closed the account and only have the last four digits that were included in the letter. However, it also includes a case number : XXXX
Product: Checking or savings account

I believe someone cashed a fraudulent check on my account. I no longer have access to ANYTHING of mine in the account. I got a email saying something about fund available and thats the last Ive gotten about anything. Thank XXXX my account is a backup XXXX account instead of my main checking but I dont see why I cant access my account? I dont even know the issue ( to add to this I believe the fraud may have been done by my roommate who moved out, right after he left now I am having this issue )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still have not received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX XXXX sent a transfer from TD XXXX bank to XXXX Bank in XXXX XXXX .... using the same data on another transfer which was sent XX/XX/2019 and the second transfer was received three days later but the first one I sent for {$2200.00} plus {$40.00} transfer fee was lost and not received by my contact but the second one went through. I have included paperwork on the first transfer and the second as well as documents showing funds taken from my account and TD XXXX investigation team data sheet. I have a complaint number for XXXX Bank for your investigation ... XXXX but was told to put an investigation on TD XXXX  not helping the customer.
Product: Mortgage

On XX/XX/year>, I received a letter from Gateway Mortgage informing me that my mortgage had been sold. The letter specifically stated that no payments would be accepted after XX/XX/year>. As a result, I did not make my scheduled payment for XXXX, believing I was in compliance with the instructions provided in letter. 

However, on XX/XX/year>, I received a call from Gateway Mortgage attempting to collect a payment. During this call, I explained that I had received the letter dated XX/XX/year>, and that no payment was due from me as per the instructions therein. Despite this, I was transferred to several representatives throughout the day, and after three conversations, I requested that the matter be escalated for resolution. Unfortunately, I did not hear back from Gateway Mortgage, and I assumed the issue was resolved. 

To my surprise, today, I received yet another collection call regarding the payment that was supposedly due on XX/XX/year>. Once again, I referred to the letter from XX/XX/year>, and was met with little response other than a dismissive acknowledgment. I subsequently called Gateway Mortgage and spoke with a representative named XXXX for approximately 33 minutes. During this time, he did not provide the supervisor I had requested, and the situation was not resolved. I was then told that Gateway had made a payment to my new mortgage servicer for XXXX, and XXXX was now attempting to collect that payment from me. 

This contradicts the clear instructions provided in the letter from XXXX dated XX/XX/year>, which indicated that no payments were to be made after XX/XX/year>. I am concerned that Gateways actions are inconsistent with this communication, and I would like to resolve this matter promptly. 

I request that Gateway Mortgage review my account, the letter dated XX/XX/year>, and all associated communications. Additionally, I ask that they cease all collection efforts regarding this payment and confirm that this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is or was no third party involved so why is their authorization needed to process my complaint about my consumer report on which you are reporting false and misleading information on. I DEMAND YOU REMOVE THESE ITEMS IMMEDIATELY.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.