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

I have a membership and a rewards card with XXXX 's XXXX XXXX. At the end of XXXX, XXXX 's transitioned from using XXXX XXXX  to Capital One. We were told that all of our prior rewards unredeemed, and all purchases made in XXXX during the transition would earn rewards. Right now, the only rewards currently on my account are the rewards I earned on the Capital One account. My purchases on the XXXX 's account from XX/XX/XXXX - XX/XX/XXXX as documented on my first Capital One Statement were {$18000.00}. On my XXXX 's account, I took a screenshot on XX/XX/XXXX that shows my rewards earned fro XXXX, XXXX = {$2.00} and XXXX = {$19.00} ( These rewards tie back exactly to only purchases made after the transition to Capital One ). I am supposed to earn 5 % on XXXX 's purchases, 2 % on restaurants and 1 % on all other purchases. The breakdown of the total XXXX of purchases and associated rewards I should have earned from XXXX XXXX XX/XX/XXXX are as follows : XXXX XXXX Purchases {$160.00} @ 5 % = {$8.00} rewards Restaurant Purchases {$620.00} @ 2 % = {$12.00} rewards Other Purchases {$18000.00} @ 1 % = {$180.00} rewards Total rewards I should have earned for this time period is {$200.00} and as you can see above, the rewards available mentioned above were only {$21.00}. 

I called both Capital One who told me after multiple phone calls and forwards to other departments, that the XXXX 's membership team would have to resolve this. I was then connected to XXXX XXXX to whom I requested that the XXXX transition issue be reviewed, as well as the rewards I had earned and not redeemed that were not transitioned from XXXX. The response was the email below, as you can see they did not respond to my complaint. 

Dear XXXX, This is XXXX, from XXXX 's XXXX XXXX XXXX XXXX XXXX. 

Im sending you this email to provide the resolution related to your Rewards balance request, As our Rewards team sees your eligible spending for the time period from last year to till date is {$7500.00} At an X5 % earning is {$370.00} and our Rewards team see you have already received {$630.00} which means you been receiving the rewards correctly. 

I have screenshots of the XXXX credit card transactions above, as well as the rewards balance that I can share if necessary. Unfortunately, I was unable to get onto the XXXX  Site to calculate the unused reward balance which I estimate to be about {$80.00}. I would also like to state, that I had to make a complaint in the summer of XXXX because when XXXX  transitioned to a new system, I was only 1 % on my purchases. It took a couple months to get that fixed with your assistance, which I appreciated. But honestly, I don't feel either XXXX 's or XXXX  properly reinstated all of the rewards I was due.
Product: Credit card

The latest issue I'm having is from the XX/XX/XXXX statement billing discrepancy. A payment was made on XX/XX/XXXX however on XX/XX/XXXX, I was charged a late fee. The interest from that was added onto XXXX 's statement as well. I called to speak with a customer service representative and was told another company was handling my account. I have not received any information that would make me aware of such. 
Per 15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In my last Consumer dispute submitted to XXXX, XXXX and XXXX XX/XX/XXXX, I requested that you provide me with proof of this alleged payment being late. AND If unable to provide proof of this payment being late, update payment history to paid as agreed never late. Adverse information such as XX/XX/XXXX days late on any report should be removed within 7 days of the company 's receipt. 
As i stated, I was not made aware that Target had routed this account to collections and was only directed there after inquiring about the inaccurate reporting. Per 15 U.S. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Please have the company correct future statements and credit reports as necessary. 

thank you.
Product: Debt collection

On XXXX XXXX, XXXX I received an alert from my credit monitoring service stating that a new debt was added to my credit report. I logged into my credit monitoring account and it was brought to my attention that Allied Interstate, LLC ( a collection agency ) added an account from XXXX XXXX onto my credit report on all 3 credit bureaus for an owed amount of {$700.00}. According to my credit monitoring service, it states that this account was opened on XXXX XXXX, XXXX. I do not owe this debt because I have never opened an account with XXXX XXXX whatsoever. On XXXX XXXX, XXXX I opened an online dispute via XXXX XXXX XXXX XXXX websites. I was informed that it could take 30 to 45 days to get a response. On XXXX XXXX, XXXX I received numerous calls from an unknown number ( XXXX ), when I called the number back it was Allied Interstate LLC. On XXXX XXXX, XXXX, the very next day, I received an email from XXXX stating the Allied Interstate account came back verified. I am at lost with words as to how Allied Interstate can verify this account by solely calling someone constantly. I immediately called XXXX and did another dispute over the phone because this account does not belong to me. On XXXX XXXX, XXXX received the results via email from XXXX stating the same, that the account was verified. The online dispute is still in pending for XXXX until XXXX XXXX, XXXX. After receiving the results for my online disputes for XXXX and XXXX I called them and asked what method of verification did Allied Interstate provide to prove their case and they could not provide me with that information. I do not know what else to do now but file this complaint because I do not nor ever had an account with Allied Interstate or XXXX XXXX. I have even reached out to XXXX XXXX and I asked them to search my name in their database for any account and I was told verbally that I have never opened an account with them. I then requested a written letter, but I was told no one in that department or any department does not have permission or the means to do so as hard proof that I have never had an account with them.
Product: Debt collection

I requested validation of alleged accounts with SCA Collections Inc. First letter submitted validation request certified mail via USPS on XX/XX/2020. SCA sends a itemized bill via USPS XX/XX/2020. 2nd request validation letter was sent on XX/XX/2020 via certified mailed USPS. No response received.
Product: Credit reporting or other personal consumer reports

Inquiries made on my credit report I have no knowledge of requesting credit for. 
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 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 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 or other personal consumer reports

I was recently reviewing my credit report and realized that there were a number of inaccuracies such as misspelled names and addresses at which I no longer live and therefore do not correspond to my current address. 

The inaccurate information is as follows NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Having this inaccurate data is affecting me personally because it is not allowing me to build credit and get credit.
Product: Money transfer, virtual currency, or money service

Hello, my cashapp account was hacked on XX/XX/2022 and {$250.00} dollars was stolen. Cashapp support has told me several times that someone will reach out to me but it has been 15 days. I have tried contacting them but they only say someone will reach out and then thats it. I have tried reporting the transaction but nothing has worked.
Product: Debt collection

I was not notified prior to this collection being placed on my credit report.
Product: Checking or savings account

Associated Bank ; late XXXX, early XXXX of XXXX, alerted me of fraudulent activity on my checking account, advised at the time they were placing a freeze on my account, advised me to withdraw all remaining funds from the account, to close and reopen a new account. Associated Bank allowed an additional transaction on the account, causing the account balance to go negative by more than {$250.00}. Associated Bank then informed me I was responsible for the fraudulent charge they authorized, and subsequently charged that remaining amount off. This was then reported to various consumer reports.
Product: Student loan

I make my student loan payment every month for {$64.00} which is based on my income, however, after making my payment on the XXXX, Navient is adding on interest of $ XXXX  monthly which is hurting my credit and not helping bring my balance down. I contacted them and they stated my daily interest is {$38.00}. I need help.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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

There was fraudulent activity on my credit report. A false address through experian ( XXXX XXXX XXXX XXXX XXXX XXXX, Florida ) & hard inquiries on all 3 credit reports from capital one & XXXX XXXX XXXX. I contacted those banks & let them know that those were fraudulent & to take them off. I also contacted the credit bureaus & froze my credit since the fraud alerts werent working. I was able to dispute on all credit reports besides transunion due to identity problems. Thats why I had to contact the banks to remove the fraudulent credit card activity. Those dates were XX/XX/XXXX & XX/XX/XXXX
Product: Credit card or prepaid card

XXXX. That number calls multiple times a day. My payments arent late yet they call early in the morning and late at night. One day they called 12 times. I looked up the number and other complaints and it says it's from synchrony bank.
Product: Debt collection

On XX/XX/ there was a letter from Fair Collections and Outsourcing in my apartment mailbox. Upon reading the provided letter, I began to freak out as I was informed that I owed {$2700.00} to XXXX XXXX XXXX XXXXXXXX XXXX. I sent back a letter on XX/XX/ requesting that the collections company do not contact me unless to verify why I was receiving this debt collection letter, or to inform me that the debt would not be sent to credit reporting bureaus. I was not provided with my rights, a timeline of how long I had to dispute the debt, and what options I could take to dispute. I also informed them that they had not provided me with my rights. 

On XX/XX/ at XXXX EST, I called the debt collection company and asked for a status. The person on the phone stated that because I said I did not want to be contacted, they would not be sending me anything. I expressed that I was confused because I stated that I did want verification, and to only not reach out if they were not going to do so. The person stated that the collection was paused until XX/XX/XXXX, and that after that it goes to the credit bureaus. I asked how to go about this and was told to email then my lease. When I attempted to ask additional questions, I was hung up on. I then sent my lease and additional documentation to XXXX. 

After informing my friends of what was going on, one suggested submitting an FDCPA Violation complaint. I called CFPB at XXXX and spoke on the phone with someone who did confirm that debt collection companies are to provide my rights in the initial written letter, not over the phone. Again, as of XX/XX/XXXX, Fair Collections and Outsourcing has not informed me in written form as to what my rights are, confirmation that they would not contact me, and how to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Original XXXX XXXX OF XXXX XXXX, XXXX CREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the XXXX. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the XXXX because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 to be removed/updated. 

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. 

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!
Product: Debt collection

Hello, There was a fraudulent account opened in my name by XXXXXXXX XXXX in XXXX. However XXXXXXXX XXXX removes the debt due to being fraudulently opened not by myself. Now the debt has returned on my credit report by a company that purchased ( A Debt Buyer ) the information by the name of : JH PORTFOLIO DEBT EQ XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX Placed as a collection account totaling : {$5000.00} Replaced as opened on : XX/XX/XXXX I have contacted the company and it still remains on my credit and has caused me a great deal of pain and agony. I want this item to be removed from all bureaus or be forced to take legal actions. 
1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

There is a discrepancy shown on the payment statement for my principal loan balance Wells Fargo Mortgage loan discrepancy : Total Principal per Borrowers records. {$360000.00} Total Principal owed per Wells Fargo {$360000.00} Discrepancy {$3100.00} I have rejected the Covid relief package when they disclosed the terms, I have paid all my payments and I am up to date. A silent second is showing on my statement and credit report. 

I have called Wells Fargo many times regarding the above and they have not corrected the above issues.
Product: Mortgage

My account was assessed lender imposed homeowners ' insurance of {$2600.00} via escrow ( attachment 01 ) in XXXX due to a supposed lapse of coverage. I contacted customer service and was informed I needed to provide a declaration page for the period where the coverage was alleged to have lapsed. I provided information showing that while I did switch insurance providers, there was no lapse of coverage ( attachments 02 and 03 ). 

In XXXX I examined my statement and determined no action had been taken and contacted customer service. After speaking with the insurance group, it was indicated my new policy went into effect on XX/XX/2020 and there was an apparent lapse in coverage of approximately 26 days. My previous insurer provided the insurance agent a declaration page showing coverage during the dates in question, and the agent indicated that information was being sent to the escrow department for correction ( attachment 04l ). 

In reviewing my most recent statements, no adjustments have been made to my account ( see attachment 05 ). I contacted customer service again and was informed there was no record of escrow having received the information.
Product: Debt collection

XXXX XXXX XXXX has a debt on my Credit Report that is beyond the Statute of Limitations for CA. They can only have a debt marked as collection for four years. They have attempted to keep the debt in collections by changing the name to XXXX  XXXX XXXX. 

This needs to be removed from my report as Collection. I have stated repeatedly that I do not owe this debt and XXXX XXXX XXXX has never been able to substantiate it. They are now attempting to mask it under XXXX  XXXX XXXX.
Product: Checking or savings account

I am a customer of Bank of America. I have noticed that when I cancel a transaction made from my debit card the transaction is simply removed from my transaction history but I never receive my money back to my balance. This has happened several times so yesterday I had to cancel a transaction, and I also took a screenshot of the transaction history and balance before the transaction was cancelled and another screenshot of the transaction history and balance after the transaction was cancelled. The balance remained the same even after the transaction was cancelled. The transaction was simply removed from my transaction history, but the money was NEVER refunded back to my account balance. I also have a screenshot of the email from the merchant stating that they were issuing me a refund. I tried to upload the files for you to view on this complaint, but I could not. However I did email you a copy of the screenshots I have and a detailed report about my concerns.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows : XXXX XXXX ct XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.