23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This complaint is addressed to XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and all agents and employees doing business as Carvanna, LLC and serves as My notice of opportunity to cure and intent to sue. I have applied via 3rd party for an extension of credit in which Carvana accepted the duty. 

The application process is deceptive and misleading, and they are requesting an egregious amount of {$14000.00} for a downpayment which is a TILA violation. I was informed that the Financial Institution XXXX required the $ XXXX downpayment and that I would have to speak with them. I called XXXX and I was informed that they do not have anything to do with that and I'd have to work it out with the " Dealer Ship ''. I then initiated a text conversation with a Rep, to no avail I was instructed to give Carvana a call. The next day I called Carvan back at ( XXXX ) XXXX and requested to speak to a manager. One hour later I received a call back from XXXX XXXX. 
XXXX was unwilling to escalate my issue or sort it out as he indicated that he was not competent enough to understand the violation I was citing because he was not an attorney. 
In good faith Ive tried multiple times to get this remedied. 

The problem : Carvana, LLC is violating Truth in Lending 15 USC 1662 ( 2 ). 
No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. ( Pub. L. 90321, title I, 142, XXXX XXXX XXXX, 82 Stat. 158. ) I've attached exhibits to show that Carvana not only advertises Downpayments in various amounts but also changed the amount further along in the purchase process. This is an unfair and deceptive trade practices and a violation of the above regulation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX : COURTESY CHR CPS FLAGSHIP CRE XXXX XXXX ACCE XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER CONSUMER PORTFOLIOS EQUITY AUTO FINANCE FIRSTHELP FINANCIAL GLOBAL LENDING SERVI STELLANTIS FINANCIAL XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX CHRYSL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

( XXXXXXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 ), ( XXXX XXXX XXXX : Date of inquiry : XX/XX/2022 ), and ( XXXX : Date of inquiry : XX/XX/2022 ) 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

On XXXX, 2020, I contacted US Bank to report fraudulent charges made to my Reliacard ( A prepaid Visa card issued by US Bank provided by State of Texas as a method to disburse unemployment benefits. ) They froze my account and asked me to confirm my identity. I immediately uploaded a copy of my state-issued I.D., my tax records and bank identification records ( all required ). 
Two days later, XXXX, XXXX, 2020, I phoned the bank for a status update. No one was able to provide me with an update or a resolution. From that day ( XXXX XXXX, 2020 ), I have called the bank multiple times on a daily basis and nothing. 
XX/XX/2020, I once again call for status, I was told to upload a " selfie '' for verification. ( not informed two weeks prior ). I quickly complied w/request. Two days pass. I called for status, agent was rude and bad attitude. Agent refused supervisor transfer. However, she opted to hang up on me instead. To date, I have no access, not funds, no updates, no resolution and no hope!
Product: Debt collection

XXXX and XXXX is validating false information that b I have disputed. The have no confirmation. That anything is accurate. They have failed to investigate properly
Product: Checking or savings account

I have had my Venmo account frozen without just cause and have made numerous attempts to resolve the matter but they have no interest in resolving it and now state they have cause to hold my money for at least 180 days.They said that i violated the user agreement but wont explain how and then just said the matter is closed. That makes it right for them to hold my money And close my account? 

XXXX. What bank issued your card/account ( look on the back of your card for the words " This card issued by '' )? 
XXXX XXXX. What type of account is at issue ( Examples include : Checking, Savings, Prepaid, Digital Wallet, etc. )?

Checking 3. Is the account/card in your name? If not, whose name is it in and what relationship are they to you?

Yes 4. Date your account was closed or, if it is still open the date the restrictions were placed on it? 
XX/XX/XXXX 5. Were you given prior notice of the restrictions or account closure? If not, how did you find out?

No 6. Did you try to make any transactions that were declined due to the hold? If so, please identify the attempted transaction ( s ) ( for example, failed ATM withdrawal, card declined at the grocery store, etc. ) and provide the date that you attempted the transaction ( s ).

Yes 3 failed atm withdraw 2 on XX/XX/XXXX and XXXX XX/XX/XXXX XXXX. What is your accounts approximate balance that is being withheld from you? 
{$410.00} XXXX. Are the restrictions placed on the account preventing you from logging into the website or mobile application for the account? 
No XXXX. Did you communicate with the company to try and resolve the issue ( s )? If so, give dates? Also, please provide me with copies of your communications [ emails and screenshots of calls ] to the bank regarding the restrictions placed on your account. I ask out of an abundance of caution because notice of the error ( s ) to the financial institution can be a critical issue in these cases. 
Yes i did communicate threw email with venmo on the following dates- XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX. Did the bank ask for you to provide identification documents? If so, what documents did they ask for? What documents did you provide them? What date did you provide them? 
Yes they asked for identification documents. I sent them my license on XX/XX/XXXX. 

XXXX. Did you ask for the bank to close the account/card and mail you a check? 
Yes was told I couldn't close account. 

XXXX. What is your telephone number in case we need to contact you? 
XXXX XXXX. In which state do you reside? 
OHIO
Product: Credit card or prepaid card

I am currently driving on bald tires and with the holiday, funds are tight so I applied for the Goodyear credit card through Citibank on XX/XX/22. I was notified of immediate approval and a pop up window provided me all the card details necessary to complete the purchase. 

I did not see any fine print regarding any risk of the screen timing out, so I left it up while going through the process of selecting and buying my tires. 

I learned Goodyear is more than double the cost of XXXX XXXX  so when I got to the payment screen on tirerack.com, I realized my card information was closed out and I had no access to complete the purchase. 

I have since called Citibank division associated with Goodyear, established online account and submitted request for assistance through each option to no avail. I can't even access my card details through their secure website. What company does not allow you to view your own card details? 

When I called for assistance, I was clear with the associate on not purchasing my tires through Goodyear itself and why. The response, by phone and email, was to go to a Goodyear store with my ID and complete the purchase, and that I should be able to do the same with XXXX XXXX 

I can't purchase the tires directly at XXXX XXXX  as I will lose the 6 months 0 % APR, ( another condition that makes no sense ) and XXXX XXXX also confirmed, during a phone call, they can not access my Goodyear account information without my giving it to them, that it is a known issue of Goodyear Citibank telling customers they can do this. 

I have to wait until I receive the card in the mail, XXXX business days, not including the holiday impact. This is XXXX XXXX and XXXX to customers is not acceptable. 

As much I want to immediately close the card, I hurt myself more by doing so. However, I want others to be aware of Goodyear and its poor customer service.
Product: Debt collection

I was late on my Kohls Charge card payment. I received automated phone calls regarding the debt. I called Kohls credit department to inform them that I would make a {$240.00} payment on XX/XX/XXXX. When I attempted to make a payment online, my account was not accessible. I called on XX/XX/XXXX to make a payment and I was informed by the Kohls credit department that my account was sent to a third party collection agency. The Kohls credit department asked me to call XXXX. 
Kohls credit department said they were told I filed for bankruptcy. 

I am worried my credit report will reflect a lie. I have not filed for bankruptcy. 


Please help me fix the error. I would like to pay my bill/debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. EXPERIAN AND XXXX  HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH EXPERIAN AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX  AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. XXXX TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO XXXX XXXX THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX. '' THIS Was SAID AFTER I ASKED XXXX XXXX  HOW THEY VERIFIED MY DEBT TO XXXX AND EXPERIAN. NOW DUE TO XXXX XXXX NOT VERIFYING DEBT AND XXXX XXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR EXPERIAN AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
Product: Credit card or prepaid card

XXXX XXXX XXXX Mastercard issued by XXXX XXXX is not giving me my refund for an item I purchased in good faith that did not fit. 
On XX/XX/2018, I received a XXXX XXXX XXXX choker that did not fit so on XX/XX/2018 I returned it to Saks via XXXX. I placed the order online and send the item back immediately. I did not wear it, use it or abuse it. 
Saks claims the item is damaged and will not issue a refund. They are sending the item back to me. This item could have been damaged in transit during the XXXX rush or by one of their employees, but Saks chose to blame it on me and hold me liable for the amount of {$1000.00}. 
I need help resolving this. This has never happened to me in my life. I only had the item in my possession for 3 days and DID NOT USE OR WEAR IT. This is unfair and I need help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SCXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I have submitted two previous complaints including the letter showing that Rash and Curtis agreed to delete/remove this listing with all credit bureaus. The first and second complaint said it takes 90 days. I did a pull of my XXXX credit report and disputed this directly with them and that date was XX/XX/XXXX, past the 90 days stated by Rash and Curtis in the last complaint. 

XXXX have come back and validated that Rash and Curtis had not only reported it, but confirmed it to be correct, despite agreeing in a documented letter that it was to be deleted.
Product: Money transfer, virtual currency, or money service

on XXXX my bank had 5 transactions go through I disputed it and have asked for the documents from world remit to be able to dispute them and they are not providing the documents I need or are helping me with this issue
Product: Student loan

I am currently in XXXX XXXX, but I am making payments on my XXXX XXXX before they are due in order to reduce my loan burden and interest. 
I made the following payments to Mohela on the following dates : {$330.00} on XX/XX/year> {$170.00} on XX/XX/year> {$1500.00} on XX/XX/year> {$1000.00} on XX/XX/year> However, these payments are not on my payment history or applied to my loans. I have banks statements for these payments, as well as e-mail payment confirmations from Mohela for each of these. I called the company this morning and was placed on hold for 40 minutes. I spoke to a representative who said she was looking into my problems. She placed me on a brief hold again. She started to explain the problem, but within 3 words she stopped talking. I could hear rustling on her end so I knew I had not lost connection. She did not respond to my multiple hellos? to gain her attention. Then the call mysteriously " dropped ''. She did not call me back even though she confirmed my call back number. I am currently on another 30-minute-and-counting hold. They have not only " lost '' my {$3100.00} of payments, but since those payments were made within 120 days of loan disbursement, they have also stolen the interest that was supposed to be forgiven.
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to allow me access to this account. They are ONLY providing loan information to the primary borrower who is incompetent! The ONLY information that Im provided is through disputes & responses ONLY online through these disputes! 
I have requested & have NOT received : - XXXX months of payment history showing dates & amount of payment. Instead XXXX has sent past monthly statements which DO NOT allow me to verify accuracy of this account. 
- a loan payoff statement, which XXXX said they sent in XXXX. I NEVER received it! Likely because they sent it to the property address which I DO NOT have access to. 
- current monthly statements, ANY & ALL notices in regard to this loan, including ANY late payments or changes to the account. 
- information on insurance, taxes & escrow information. 
Without ANY opportunity to manage this account Im subjected to unfair credit reporting that can neither be verified or paid. This loan IS my responsibility & Im being denied FAIR management.
Product: Debt collection

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. 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 validated.
Product: Checking or savings account

On XX/XX/XXXX a scammer called with BofA phone ID. The man claimed that BofA had issued a person a credit card with a line of credit with my stolen identity. that person had already spent XXXX at an XXXX XXXX and before it had posted I could stop payment by depositing money in an XXXX  account.I had XXXX in my savings and not knowing at the time if I had deposited XXXX in an XXXX  account it would have been flagged by the FTC this scammer knew that and I inadvertantly put XXXX in an XXXX  account that I provided. Now of course I'm not seeing any red flags.My XXXX son also has an account with BofA and he's listed jointly with me. He had over XXXX from his SSI and the scammer moved XXXX into my sons account so that he could also get XXXX into an XXXX  account. Now both my son and I opened XXXX  accounts. I deposited the money unknowingly but realized that I was being scammed and got a hold of Bof A and we realized that my money was moved but my sons account was locked due to suspicious activity. I verbaly said to the rep that please keep this account frozen!!! She was more concerned with why my son had more money. She referred me to the fraud department which was closed I went to bed thinking that I was only investigating my XXXX when first thing on my phone I see that my sons account was depleted of all his funds. When I finally got a hold of someone from the fraud department they said they don't freeze accounts! He knew darn well I meant locked. Now my son never had access to that account on the XXXX, actually the scammer was texting him while I was on line with the BofA rep saying he was from the fraud department and he needed to call this number ( which ended up being a number from XXXX ) my son is smart and just kept writing STOP the scammer did this until someone from BOFA unlocked that account and the money was deposited into the XXXX account which my son set up but if they hadnt unlocked it never would have been released.BofA dropped the ball and now have refused to pay my son. They also let the scammer try to get into his locked account four days later and tried to blame me for it. I said I don't understand the purpose of a locked account thats being investigated for fraud when letting scammers back four days later into locked accounts!! now I may have to pursue a lawsuit since my son is XXXX but not mentally. I hope they are not using that as an excuse to not pay him his money from his account. Very disappointed in a bank Ive been doing business with for over XXXX years, very hard to get a hold of someone from the fraud department and they keep referring you to talk with different departments and keep you tied up on the line for sometimes an hour before you speak to someone. I would just like to see my son get the money he deserves and have BofA take the blame since they were the ones who let the money slip into the XXXX account.
Product: Debt collection

Below is my validation request from Capital One Bank. 


To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the two debts that are listed on my credit report. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
A complete and correct social security number that may help identify me as the party you are collecting from. 
A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

A purchase agreement or assignment from the original creditor to your company.

Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. 
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.