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

I was a Capital One Venture Card holder. On XX/XX/XXXX, I redeemed my Capital One reward points to order six XXXX gift cards, worth total of {$1000.00} USD ( five {$200.00} gift cards and one {$25.00} gift card ). I closed my Capital One account on XX/XX/XXXX, and double checked with the Capital One customer service representative that the gift cards I ordered were still being processed, and it would take 3-4 weeks. On XX/XX/XXXX, I receive one {$200.00} gift card, but still did not have the other five gift cards. On XX/XX/XXXX, I called Capital One customer service to inquire about the missing gift cards, and the customer service rep informed me that I would receive them no later than XX/XX/XXXX. On XX/XX/XXXX, I called Capital One again, and the customer service representative told me that because I canceled my credit card while the gift card orders were still " under process, '' the gift card orders were all canceled ( except the first gift card they mailed out ) due to account was " not in good standing ''. They could not explain why the reward orders were not processed in the two weeks between my order and me closing the account. Even the customer service representative admitted that it was unfair and bad customer service, but she unfortunately had no power to assist me. There were no alternatives offered. Over the phone, I even asked for the verdict in writing and was denied. Capital One informed me that I would not receive {$820.00} in gift cards, from the rewards that I earned over multiple years, believing that Capital One would honor their program. Capital One did not warn me that my reward orders would be canceled when I closed my account, and at no point in my multiple communication with Capital One did any customer service agent inform me that my orders had been canceled until my third phone call with them on XX/XX/XXXX. Through the Capital One customer service representative, I filed an appeal over the phone on XX/XX/XXXX, and I was told I would receive a response prior to XX/XX/XXXX over email. As of XX/XX/XXXX, nobody from Capital One has attempted to contact me. When I made the gift card orders on XX/XX/XXXX, I believed that I could use those gift cards to purchase necessities and gifts for my friends and family, but at the end, I was out {$820.00} worth of reward points that took years to build up, the effort to make multiple phone calls and staying on hold for long periods, and hours of frustration during the holiday period. Capital One justified all this on the fact that I canceled my account more than two weeks AFTER I redeemed my points, and again they did bother communicating their unfair policy with me at any point. My account was in good standing during the entire duration that I was a credit card holder with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to one company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.
Product: Checking or savings account

I already had two savings accounts with XXXX by Goldman Sachs when I opened up a third account to be joint with my daughter and myself, naming her as the primary account holder. We additionally opened a joint Schwab brokerage account, also with her as the primary owner and proceeded to transfer some funds over. After the transfer went through we made a stock trade and everything appeared to be fine. Days later when I viewed our Schwab account i was horrified to find the money we transferred was gone and my account now had a negative balance due to the stock trade we had executed. After further investigation I found that Marcus by Goldman Sachs, without any prior notice to us whatsoever reversed the transfer and froze our account. We've spent multiple days speaking to numerous representatives and supervisors and our account is still frozen. They're claiming my daughter needs to be " verified ''. She has provided them with her social security number, date of birth, phone number, secret password etc. and that still wasn't sufficient. Next they sent us an affidavit of identity which she filled out, had notarized, and sent back overnight which we verified with XXXX was delivered on XXXX at approximately XXXXXXXX XXXX We followed up with two phone calls and as of today, XXXX they still can't even confirm they have the affidavit in their possession. What is also very disturbing is online there are countless complaints from customers who have had similar experiences of accounts being frozen when trying to withdraw funds from Marcus by Goldman Sachs.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XX/XX/XXXX and XX/XX/XXXX 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting

I have disputed these collections several times with Experian, XXXX and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all three account be removed.
Product: Credit card or prepaid card

I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from Gurstel law firm. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. Gurstel law firm got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say Gurstel law firm has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is  unlawful to say the least.
Product: Debt collection

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with XXXX Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the creditors PennyMac Loan Services LLC and XXXX XXXX  have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 

15 USC 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a Capital One credit card I opened last year early summer perhaps. I knew I had a 0 % introductory APR on purchases that expired in 2016, I could n't remember if it was XXXX or XXXX. Yesterday I went looking for this info and was surprised that there was no reference to it anywhere on my statements or online profile for this credit card. After contacting Capital One I learned that this information is not available to me, I have to call in and ask about it. It appears that by not being upfront about this information they are making it very easy for the consumer to miss the date the balance would need to be paid off so they could assess all the interest charges. This does not appear to be a fair or upfront practice.
Product: Credit card

I established autopay on a new account with Synchrony Bank. I have an email confirmation f the autopay enrollment with dollar amount and confirmation number. A payment was never applied. I called Synchrony this morning, and was cut off, upon calling back I requested a supervisor, who informed me they have no record of the autopay, and that I would need to fax my email confirmation to them, for them to consider, if I had a valid issue. It is unacceptable to me, that they could not take my confirmation number to validate I had enrolled. According to them, they had no record of my autopay enrollment. This is unacceptable. I was told I can not forward the email, as they can not accept emails, only faxes. I now need to fax the email confirmation to them, and they will " consider '' reversing the late fee. I will no longer do business with Sycnchrony, and will be closing the other accounts I have with them. Given this account has a 0 % interest rate for x months, I am wondering if this is something they do intentionally, to earn fees off those who pay their balances in full on these promotions. 
It is a condition of my employment that I maintain my personal finances in an impeccable manner, therefore, an issue like this can cost me my position, or at a minimum, put my career in jeopardy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX  Account Number : XXXX Delete this account. 
8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXXXXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inacc

urate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3
Product: Debt collection

I checked my Equifax credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX XXXX   XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to Equifax. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company. 

At this time I will also inform you that your office reporting invalidated information to to Equifax constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Checking or savings account

On XX/XX/XXXX, I mailed via USPS check # XXXX for {$42.00} to XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX, I noted the check was not credited to my account and emailed XXXX at Customer Service, XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX XXXX through XX/XX/XXXX, I worked via email, phone or in person with XXXX, XXXX and XXXX at the Customer Service Department/Financial Services and was informed the check was never received by XXXX XXXX XXXX XXXX . I emailed them a copy of the cashed check with front and back of the check included showing the check was deposited on XX/XX/XXXX by Wells Fargo Bank and my bank, XXXX XXXX XXXX removed the amount from the joint account in my name and my husband 's name on XX/XX/XXXX. I was told the endorsement on the back of the check was not a XXXX XXXX XXXX XXXX account and that the XXXX XXXX did not have the check. On XX/XX/XXXX, I met with Assistant Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX and opened a new account since the check was cashed fraudulently and was informed to talk to Wells Fargo Bank. I attempted to talk to the Assistant Manager and Manager of Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and told they couldn't talk to me since I did not have accounts with them and that my bank   needed to complete a fraud form. I then returned to XXXX XXXX XXXX and completed the Affadavit of Fraud Form. Over the month of XXXX, I was told I needed to complete a new form stating the issue was missing improper endorsement. I was told on XX/XX/XXXX XXXX XXXX XXXX did all they could to correct the situation, but had no success and that I should try with Wells Fargo again. I spoke with XXXX at Wells Fargo customer service phone line and was again told they couldn't talk to me since I didn't have an account with them and that XXXX XXXX XXXX XXXX would need to correct the situation with their source ; they could not explain further what that meant. I am looking to have my account credited for the {$42.00} that was fraudulently removed. I did pay the XXXX XXXX bill with a new check.
Product: Mortgage

XXXX XXXX has attempted to buy out my loan from Cross Country twice now. Confirmed amounts were returned. Cross country had showed the loan paid off and released it to county for XXXX XXXX to take over. Cross country has returned the wire payoff twice and changed the amount of payoff over and over, adding fees. My loan is insured with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit card

Enclosed, you will find the documents. I'm requesting that the bureau commence an investigation into these accounts, which erroneously indicate late payments on my part, even though I have consistently paid on time.
Product: Debt collection

On XX/XX/21 and XX/XX/21, I wrote cease and desist emails to Alliant Capital because I was receiving phone calls with detailed voicemails that disclosed existence of a debt. My family members were also receiving phone calls and voicemails, despite their names clearly being stated in the voicemails. I have a credit alert on my credit due to being a victim of released confidential information, and I never received any information regarding a debt. I am also aware I should receive notification of the debt prior to phone calls. In the voicemails, I am being threatened with future action or determination regarding the matter, both calls occurred after I emailed cease and desist letters to the company. I also alerted the Massachusetts Attorney General and nothing is being done.
Product: Credit reporting

I just clicked on a " gap '' credit card thru XXXX Bank service to see my XXXX score. Beginning of the year was low XXXX, there was an issue with a less than $ XXXX dollars XXXX balance on a XXXX when they switched cards or updated them. They Without my Consent Stopped sending Hard Copy Mail Statements. I did remember I had purchased a bed comforter on their XXXX Sale I think it was and XXXX day while checking my payments thought about it checked on line and Everything had changed. It was a very time consuming ordeal. They had also without my consent change everything to Spanish which I Do n't Mind but I had also NOT authorized nor requested that change. Anyhow I called and paid it. I cant remember if they waived the late fee or not. I do know I requested but cant remember exactly if I got it waived or not. I think they did just so you know that after a time consuming XXXX calls later they saw the mistake. Anyhow they promised they would take that late payment OUT of my credit report. It looks like they Did Not as I still showing a XXXX and I have NOT been late and this report I just clicked on reads my score was impacted because I have a late payment. Please Help XXXX this. Thanks very much for any time and input you put to clarify this for me. I work so very very hard. I know you probably hear this a zillion times but I truly do and I do n't have much and I hope I can have at least an Excellent Credit score. Let me know what documents you would need. I think it was when XXXX card went from XXXX to XXXX but I know XXXX did the same and maybe I am just confusing them?