23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank offers a BP XXXX XXXX credit card with rewards in the form of " fuel rewards '' ( {$0.00} credit on a tank of gas per {$100.00} charged for 90 days ). Since the credits are good for up to XXXX gallons of gas, each {$0.00} reward is worth {$5.00}. I received proper credit for the first two months, but greatly reduced credit in the third month. 
According to the bank 's written communication, I charged {$430000.00} in the third billing cycle before the 90-day period was up ( XXXX XXXX ). This, they claimed, generated {$10.00} in fuel credits. This is a factual error. I have in fact spent a net of {$7200.00} this billing cycle up to XXXX, XXXX ( after subtracting returns credited ). I simply added the current cycle 's charges on the account website. This should have generated fuel credits of {$18.00}. I was thus shorted {$7.00} in credits, with a cash value of 20 times {$7.00} or {$140.00} in gas. To illustrate the problem, I made XXXX charges during this cycle prior to XXXX XXXX for {$3000.00}, which should have generated a {$7.00} each ( XXXX x {$0.00} XXXX. Only XXXX credit this large appears, making clear that their records are wrong. My problem is that after XXXX communications with customer service, I ca n't get any XXXX to look at the record and add up the charges to see that, in fact, I charged {$7200.00} during the relevant period. Their most recent letter, dated XXXX XXXX, but received XXXX XXXX, simply repeats their claim of the amount of the rewards currently available without any effort to explain why the period from the start of the billing cycle XXXX XXXX XXXX XXXX to XXXX XXXX with a total of {$7200.00} charged produced only {$10.00} in fuel credits rather than the obvious {$18.00} that it should. 
The problem is more serious. It took many calls and emails to establish when the 90-day period ended. ( It was not clear whether their clock started when I applied, when the application was accepted, or when the card was activated ). They finally told me ( in writing ) the day the 90-day period ended XXXX XXXX, thus permitting the above calculations. For example, in my first email request for the bank to tell me the end day of my 90-day initial period, the customer service representative simply stated that in the initial 90 days I am to receive {$0.00} per {$100.00} charged with no response to my question of when the 90 days ended. The next query, by, phone produced XXXX different answers from a lady who clearly had no idea what the right answer was. She quoted dates as early as 60 days after activation to as late as well over 90 days. 
I need {$7.00} in fuel credits or {$140.00} in cash credit applied to the card. I would also like assurance that their customer service will be more responsive.
Product: Money transfer, virtual currency, or money service

I received money from a family member via Venmo in XXXX and they in error disputed the transaction in XXXX. Venmo immediately froze my account and withdrew the money. After going back and forth with Venmo they told me they were waiting on the bank to submit information to them that the request was closed and withdrawn. The bank provided me the letter saying they had withdrawn the request and that letter was provided to Venmo. Venmo is still saying they need the information from the bank. Venmo has tied up other monies of mine that have nothing to do with this disputed and continues to have my account frozen even though they have all the legal documents required to resolve this and they continue to not resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries on my report from when I purchase my vehicle in XXXX XXXX 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Product: Debt collection

XX/XX/2023, MEDICAL DATA SYSTEMS I put a collection in my credit for {$7000.00} I didn't not give consent for a third party to have access to my medical records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid for an account in my name that I believe does not actually belong to myself. 
This account was with Jarad Gallery of Jeweler. This was in XX/XX/2013. I do not believe this was my account but an account taken out by my fiane at the time. Nevertheless this account was paid in full and on time to the best of my knowledge. I have tried for 5 years to have this error removed from my credit report and Jarad refuse to remove the 30 day late payment. 
This has negatively affected my credit and I am unable to obtain a mortgage due to the error on my credit report.
Product: Credit reporting or other personal consumer reports

Our mortgage was transferred to Roundpoint. We found out earlier this month. We found out several months after this had happened. After calling Roundpoint and our previous provider. We found out there was a mix up with our previous provider and our mailing address. 

After calling Roundpoint we discovered they reported us late to the credit bureaus and they had our welcome letter and all other mailers they sent which came back as undeliverable. 

Digging deeper we asked why we never received a phone call, email or a voicemail. We were told they do not leave voicemails. And the number that they provided shows up as spam on our phones so we had no clue who was calling. 


We have asked them to redact their late penalties as we just found our earlier this month our mortgage was transferred to them. We have been in limbo for a week. They are investigating and our point of contact has not been responsive in several days. 

We have been waiting on a decision for a week to redact our late penalties with the credit bureaus. As a result this has ruined our credit and is impacting us on a home purchase. Up until Roundpoint we have had perfect credit, paid every bill in full every month for years. 

Now we are unable to qualify for a loan for a house and a home equity loan we hoped. All because a company we never knew existed took over our mortgage and never contacted us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from XXXX with a balance is reporting to my credit report showing I am an authorized user, this is incorrect. I do not have an account with XXXX, and I am not an authorized user on an account with XXXX. Please assist and remove.
Product: Debt collection

I was due for 2 months I paid what was owed.They canceled the payment.I called to see what The problem was, I ask 3 or 4 questions.The person on the phone was Pretending.He couldn't Answer any questions on my account.Also they sent me a break down on my accounts which I made all payments last year.but told me I didn't make certain months last year.which is not True.This company has been doing this years
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was sent court documents saying I was a defendant in a law suit from XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX, for non-payment of a credit card debt ( attachment 1 ). The suit alleged I co-signed a credit card application for XXXX XXXX on XX/XX/XXXX and she ran up a {$3600.00} credit card debt that was delinquent. I did not request, or, co-sign any credit card request from XXXX XXXX XXXX and responded to the law suit with the attached documents I supplied to the court, in XX/XX/XXXX ( attachment 2 ). XXXX XXXX XXXX continued sending me notices and refused to remove the collection information from the credit agencies, as I requested ( attachments 3 & 4 ). After a year of trying to get this off my credit report, I told XXXX XXXX I would pay the debt, even though, I had no legal responsibility to do so, if they would get it completely off my credit report ( attachment 5 ). They agreed. I paid it in full and received their letter, dated XX/XX/XXXX, stating it was paid ( attachment 6 ).
To date, this debt collection information still shows up on all three credit reporting agencies. It continues to cause me complications with credit applications, leasing agreements and anything requiring a credit score or evaluation. All XXXX XXXX says when I contact them is, the debt is paid in full. They have taken no action to have this removed from the credit agencies.
Product: Debt collection

Debt was mistakenly put on my credit report. I paid the debt to take it off my credit report. The original creditor has contacted the collection agency to stop but they cashed my check for payment and have failed to remove it from my credit report. 

Now I 'm out money and they are messing with my credit report.
Product: Credit reporting or other personal consumer reports

30 days from reported date is inaccurate from when the payment was made and reported as late on my credit report between XXXX & XX/XX/year>.
Product: Credit card

I have a credit card with Capital One. it has a small balance and the {$26.00} minimum payment was due XXXX. On XXXX/XXXX/17, I made a payment for {$26.00} online, but it was erroneously from a bank account I had closed, that was still listed on Capital One 's site. I did n't realize this. I then made what I thought was an extra payment for {$26.00} on XXXX, from my Cap one bank account online. When on the credit card 's site, I can choose the bank account to pay the payment from. I have a Cap One checking and savings account, and it said the available balance was {$37.00} on XXXX account, and {$46.00} on the other. So either account should be able to handle a {$26.00} payment. 

As it turns out, this payment was rejected too, saying insufficient funds. After realizing this I called and Cap one said that they were holding the last {$15.00} deposit for verification from my bank, XXXX Bank. Which I understand -- but that should n't be listed in the available balance then and it is with Capital One when I am trying to pay the credit card online. This is grossly misleading at best, and just plain fraudulent in my opinion. Available balance is supposed to be the funds that are available, not that ones that will be available. So, with that payment being returned, I was n't aware and after thinking I was paying extra for the month, the payment for this month was n't made on time at all and I incurred a late fee and possible late on my credit report. Capital One has removed the late fee but say they ca n't say how the account will report. When I look at the payment history for the credit card, it shows payments of {$26.00} made on XXXX and XXXX. NOWHERE on that transaction history does it state those payments were returned or reversed. So this is false, as well as the available balance on the checking and savings. I believe it they are providing misleading and false information that is a detriment to my credit history and financial status. There is no transparency with my finances that are with Capital One and this has been a negative experience that could potentially be repeated since they do n't report their own accounts accurately or in detail. I don ' feel this is fair practice and am considering consulting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the transunion credit report it's reporting information and per usps the address they have on the account is a vacant building.
Product: Student loan

Navient encouraged me to defer my loans. They are reporting late payments and will not remove them from my credit report, although I have never made ANY payments to my account. My loans are still deferred, 6 years later, due to unemployment. I have a XXXX credit score because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent requests by mail for my full investigative file from TRANSUNION. My requests were repeatedly ingnored. I received credit reports in the mail dated XX/XX/21 & XX/XX/21. I specifically requested my file and stated the request should not be confused for a request for my credit report. I have sent follow up including a bill of particulars for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX & XXXX contacted me some years ago about an account that should have been paid by insurance and never on my credit report. The balance was fulfilled by insurance and should be removed from all credit bureau reports. It looks to have been placed back on my report in 2016. This account should not be on my report considering that insurance should have been contacted and billed. The {$230.00} was fulfilled and should not be on my report.
Product: Debt collection

For several years I have had numerous apartment/rental companies trying to sue me for back rent. I have lived in the same house with my parents since I was a child until after I graduated college. I have tried to dispute numerous time but with no avail - after learning about the XXXX data breach that occurred some years ago I now believe I may have been a victim of this breach
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion shows a credit report requested on XX/XX/2020. They were unable/unwilling to tell me who initiated this credit report. The issue is critical, because someone hacked our account with our home phone provider, on that same date, and began a " Port-OUT Scam. 
They successfully impersonated me on XX/XX/2020 and then on XX/XX/2020 initiated a Port-Out request which resulted in our phone number being ported-out from XXXX, via XXXX, to XXXX XXXX XXXX. We are trying to learn who is the perpetrator of this fraud and recover our phone number and are having trouble getting info from all parties. 

A quick XXXX search shows that PORT-OUT SCAMS are routinely used as the first step in identity theft! WE NEED HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX settlement XX/XX/XXXX. I had 3 loans which met this criteria each one was established during XXXX by XXXX XXXX XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. Per them report to Transunion my last payment was in XX/XX/XXXX on a accounts established in XXXX. and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XX/XX/XXXX. 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With XXXX XXXX still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from Transunion and XXXX and all remedies applied per the settlement.
Product: Credit card or prepaid card

Promotional purchase states to avoid paying accrued interest charges on any deferred interest promotional balance you must pay at least your minimum payment due, if any and the entire applicable promotional balance by the expiration date it also states that if your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available. When I called to pay off the promotional balance I was told I could not have money allocated to the no interest promotion that any balance after its expiring will be rolled over to the non promotional balance and be subject to interest but they don't let you pay it off in full.
Product: Student loan

I received a letter in the mail on XX/XX/XXXX stating that I was 30 days past due and the letter threatened going after my credit score. Upon calling navient, I was informed that in XX/XX/XXXX my payment was {$0.00} ( XXXX cent ) short. Upon checking my bank account, every payment was made on full ... this was a data input mistake by navient ... I had paid everything on time, in full!! I was treated like a common criminal, time and time again told that I did not pay my loan. I pleaded with them to please check thier records in more detail as I have proof they were wrong. After speaking to three customer service reps including a supervisor, my only option was to pay the {$0.00} or prove to them by sending bank statements that I was right
Product: Credit card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXX Adjustment Request Account # XXXX Dear Capital One Customer Service, I hope this letter finds you well. I am writing to sincerely apologize for my recent late payment on my Capital One account ( # XXXX ). I take full responsibility for the oversight and deeply regret any inconvenience it may have caused. 
I have been a loyal and responsible customer, and I truly value my relationship with Capital One. Unfortunately, due to hard times with my family and XXXX, I also lost my vehicle in the process I went through unexpected financial hardship, I was unable to make my payment on time. However, I want to assure you that this was not intentional, and I have since brought my account current. 
I understand the importance of making timely payments and have taken the necessary steps to ensure this does not happen again, including setting up payment reminders and automatic payments. Given my history of responsible account management, I kindly request a goodwill adjustment to remove the late payment from my credit report. This would be a tremendous help in maintaining my good credit standing. 
Capital One has always provided excellent service, and I appreciate your time and consideration in reviewing my request. If there are any further steps I need to take, please let me know. I sincerely hope for your understanding and goodwill in this matter. 
Thank you for your time and support. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was taken out of my account from PayPal threw a atm transaction that I did not make and PayPal refused to give me my money back but keep saying that I made the transaction which is not true because I never used a XXXX atm I was at a onboarding process for a new job during the time frame of the transaction.