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

I contacted Capital One about a fraudulent merchant which advertised a product online then shipped me a completely different product. After providing substantial evidence of the fraudulent merchant, Capital One reversed the original charge back and closed my case without any recourse except to work with the merchant. The merchant however is not responsive as they are running a scam operation. I have battled with both paypal for over 6 months and Capital One for 2 months without any relief.
Product: Credit card or prepaid card

I made a purchase on my New York and Company credit card with the online store. I return a top to them and they received the return in their warehouse on XX/XX/XXXX. However, the store indicates that they received the merchandise on XX/XX/XXXX. I have not received a credit for the shirt as of today. 

I have called New York and Company over 15 times about my credit. The same person answered the phone for all of the calls. I found that strange. I had New York and Company Bank to do a three way call with me to the actual online store. The same person answered the phone again. They told both of us that they are short staffed in the warehouse and were processing refunds from XX/XX/XXXX. 

I called New York and Company Bank today and was told by XXXX XXXX id # XXXX ) and supervisor of XXXX ( id # XXXX ) that I could just missed the payment of {$54.00}. Once they complete their investigation in 90 days that they would give me the credit at that time. I asked about my credit being ruined from the late payments. They basically told me do not worry about it. 

I just paid the {$54.00} so that my credit would not be ruined. I want my refund issued to me in the form of a check.
Product: Credit card or prepaid card

Chase ( Amazon Credit Card ) is refusing to re-open my dispute that I had with a company selling counterfeit items and not shipping all of the product advertised because it has been past 60 days. 

The transaction date of the purchase was XX/XX/21. 
I filed my original dispute with Chase against XXXX on XX/XX/21 because the product didn't arrive. 
I contacted XXXX that I wanted a refund as soon as the order arrived on XX/XX/XXXX because not all of the item was received and it was counterfeit. I waited to hear back from the company and did not receive any word so I filed another dispute with Chase on XX/XX/21. Chase would not dispute the charge because it had been 60 days even though it was out of my control.

I am requesting my {$440.00} back.

Below is the Order information : Seller : XXXX - ORDER # XXXX Order summary : XXXX Infant Car Seat Stroller with Base 1 Nitro Black {$390.00} Subtotal {$390.00} Shipping {$49.00} Taxes {$0.00} Total {$440.00} USD Shipping method Express Priority Tracked Shipping Payment method ending with XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of inaccurate information on my consumer credit report by the XXXX XXXX  XXXX XXXX It has come to my attention that the account in question is inaccurately reported with different payment statuses across the credit bureaus. XXXX reports the payment status as " collection/chargeoff, '' while Equifax reports it as " Late 120 days. '' Additionally, XXXX correctly reports no account associated with this information. This discrepancy in reporting is causing substantial damage to my reputation and financial standing. I demand the immediate removal of this inaccurate account from my consumer report. 
The reporting of incorrect information on my consumer credit report by the XXXX  XXXX XXXX is not only misleading but also damaging to my creditworthiness and overall financial well-being. This inaccurate reporting is causing denials on credit applications and tarnishing my reputation. It is imperative that the XXXX  XXXX XXXX takes responsibility for the accuracy of its reporting and rectifies this situation promptly by removing the account from my consumer report. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without any delay. 
Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek appropriate remedies. In such a case, I will seek compensation for actual damages caused by the inaccuracies and violations, and I will request the court to award punitive damages to address the harm caused to my financial well-being and reputation.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Debt collection

American Express. Multiple phone calls every day to myself and father who has no relation to the account. I have no idea how they even got his cell phone number. 

I've tried asking them to stop contacting me as well as blocking the phone number but they just call from new ones. 

I'm working with a debt settlement company to settle the debt and they know that but continue to blow up my phone. 

There is too many phone calls to list. I had to download a call blocker app and pay a monthly membership fee just so I could get a break from all the calls but somehow they're getting through it now.
Product: Debt collection

I received a bill from XXXX XXXX XXXX ( XXXX ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my PayPal account. I called PayPal, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to disregard it. I have already filed a claim with the XXXX as well. There are hundreds of fraud/ phishing complaints about XXXX XXXX the internet, and I am curious if they are true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX located at XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, sc XXXX is still reporting an account that does not belong to me. I asked for validation and they came back to say the account/debt can not be validated. I asked for proof of signature for a legally binding contract between me ( XXXX : XXXX ) , surety for the principal debtor XXXXXXXX XXXX  XXXX and they do not have it. I asked them for my original security instrument that was used originally with another creditor in equity for the exchange of real property and they said they can not produce it. This company is still reporting inaccurate fraudulent information that is affecting my livelihood and I did not sign a contract to do business with them. I need this to be investigated and resolved immediately.
Product: Checking or savings account

It was several charges I can't see because they close my checking but I still have a saving but it was just outrageous overdraft charges applied to my account Wich made the close my checking
Product: Debt collection

Im writing this to report that I have been suffering a lot of harassment in written communications and a lot of calls from Portfolio Recovery Associates , LLC to collect a debt that might be opened fraudulently. I have never signed a contract or paperwork with this company. I feel very very harassed since Portfolio Recovery Associates , LLC started to called me a lot of since XX/XX/year>. This company started to called me every single day from Monday through Sunday including Holidays. Calling me from 2-3 times a day. When the week was over, they started to called me again from Monday through Sunday at different times. They also called me on XX/XX/XXXX on Mothers Day. They used the spoofing to look that they are calling from a local number from my living area. The unusual thing that I found out about this annoying calls while they are trying to collect a debt is that they called from more than XXXX different numbers including different cities. Also, I received a letter on XX/XX/year> from this company where they are treating me saying that if I do not pay the debt on a certain date they will going to sue me, and that they will ask about a reward, and that I will have to pay for their attorneys fees. Portfolio Recovery Associates , LLC uses abusive, profane, and deceptive and unfair practices while they are trying to collect a debt. This company only cares about money without caring about harassing consumers. I also submitted a dispute about this account on XX/XX/XXXX through XXXX and I still getting calls from this company. Portfolio Recovery Associates , LLC. has violated my consumers rights and they have violated the FCRA and FDCPA laws, and they have committed the crime of harass me. So I demand the complete deletion of the account ( XXXX ) from Portfolio Recovery Associates , LLC that are appearing in my credit file from each of the major credit bureaus. 

Thank you for taking care about this matter.
Product: Debt collection

This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts. 


* I AM ATTACHING THE PROPER DOCUMENT BELOW FOR SOME REASON A DIFF DOC WAS ATTACHED, DISREGARD LAST ONE*
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Prepaid card

I bought an American Express gift card in XXXX for my mom, it's been over two weeks since I gave it to her and she can't use it anywhere. Every place that she has tried appears as an error, it has been activated and it does have money. I took the card I decided to try for myself and added in XXXX XXXX  tried online nothing works. I have called all the numbers that are available online, even american Express regular numbers. The customer service for gift cards doesn't provide anything that is not automated, it just says go to the page of american express when you have tried to go further. The bank can not help me. I just want a solution since I pay to buy that gift card and it can't even be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed hard inquiries that I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had problems with Round Point since the beginning. They are very difficult to get ahold of and it takes 2-21/2 hours to get any answers if I even get them. I closed on my house on XXXX XXXX, 2015. Upon the Title Company requesting the payoff which they did not receive, I called to get it and it took hours on the phone with them to finally get it. They calculated my interest for the entire month when we closed on XXXX XXXX. I have the proof that I will attach that they received the payoff. Since the closing they are calling me several times demanding a house payment. I have explained to them that the house is sold but they still call and demand claiming they did not receive a payoff. They refuse to give me the interest back XX/XX/XXXX thru the end of the month and refuse to refund my escrow balance as well. In turn I can not cancel my home owners insurance since they are still showing a lien on the property. Can you please help with this situation? 
I will be attaching several documents to show that the house has closed and the mortgage is paid in full. Thank you
Product: Credit card

I believed there to be a billing error on my capital one present meant that I had received. I had mailed a written letter to capital ones billing error, dispute department, requesting all documents, ledgers, and notes pertaining towards the account. They in return decided to take a form of adverse action against me and simply close the account without any explanation except for that I had violated their company guidelines. I know that as a consumer I have the right to bring in a question about my bill at any moment, and that my account can not be closed. Im not sure what action if any you guys may take but I just wanted to have a complaint on record!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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  XX/XX/XXXX
Product: Bank account or service

I went in to open a Business Bank account. I refuse to give my Social Security Number. Rep refused to open Bank account, I was told it was the law to give my SSN. I told them it is not required by Law. I had my passport and EIN to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is indeed XXXX XXXX. Remove these items from my credit report immediately!!! This is me and I need this fixed.
Product: Credit reporting

Experian has an item listed on my credit report XXXX XXXX XXXX Dated XX/XX/2010 Acct # XXXX This not my account I disputed this item on my credit report. It came back as verified. I asked Experian to mail me the verification method within the 15 day timeframe. They did not. I ask that under the FCRA that this item is removed immediately.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and I found a late payments reporting 90 days late from XX/XX/2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have asked experian to investigate some inaccuracies on my credit profile, however they told me it is all accurate. I have further decided to exercise my rights and have asked them to prove their investigation and comply with the following requests under the FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) : I demand that Experian provides all necessary communications conducted in order to verify the accuracy of the accounts listed below. This should include the date of communication, the person you spoke to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this on my credit report. Please ensure that all this information was collected after I initially raised my concerns. 

I request that Experian demonstrates that all the timelines align with the date you informed me that the accounts are indeed accurate and that a thorough investigation was conducted. 

I insist that Experian sends all of the aforementioned information to my address on file within the next 15 days of receiving this certified mail. If Experian can not furnish the requested information, I demand that all accounts mentioned below be removed from my credit profile immediately. 

Here are the accounts in question : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX I also request that Experian sends me an updated copy of my credit report or the findings of your thorough investigation, reflecting the necessary corrections in accordance with the FCRA. Timely resolution of these issues is crucial to my financial well-being.
Product: Credit reporting or other personal consumer reports

My account with 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 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 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: Student loan

So I am told I owe XXXX a month in interest. Last month I paid {$600.00} I made zero progress to pay down. The payments I sent in take 2 even 3 weeks commonly to be processed. Every Friday I get paid and every Friday I put a money order out. They will not take debit online or on the phone and I will not give my banking routing numbers out online with them then having rights to put holds and auto billing in place. I send out money orders with other bills and every other bill clears in a few days, 3 weeks later Navient has still not yet processed the payment. Allowing the interest to build and build and build and so when I pay XXXX in a month that has XXXX a month in interest that end of the month I still am at XXXX balance as I was at the start. How at 6.8 am I paying nearing double the interest for a month am I seeing no progress. Simple take 2 or 3 weeks to process a payment so the interest just grows faster and I never make progress forward as I shell out more to this bill a month to all bills but my rent at present which its approaching. 

I will never pay off the balance even at vastly more then the interest by how they are delaying processing the payments sent in!
Product: Debt collection

I have multiple complaints and issues related to this company. First, the company is attempting to collect a medical debt, a portion of which I have paid off in XXXX 2016, and the remaining portion I have made arrangements to pay the original creditor directly. The company repeatedly contacts myself and third parties with no involvement in my debt with the intent to harass myself and others. The company has ignored a letter submitted with a receipt demonstrating that I paid a debt, and is still attempting to collect the debt. The debt collector has repeatedly made phone calls to my boyfriend, refusing to identify themselves when asked, as well as also making threatening phone calls to the home of my boyfriend 's elderly mother. I am a single adult and the company 's attempts to harass these XXXX people are improper as neither has any involvement with my debt. The company has refused to respond to my written documentation and has refused to use proper procedure while attempting to resolve this debt. The debt collector has also given me false information repeatedly, stating they would negotiate for a portion of the debt to be paid, only to transfer me to a " manager '' who reneged on this promise and used abusive language. The " manager '' who would not give his name over the phone used abusive language toward my boyfriend and made cutting remarks about our XXXX ( the source of my debt ) and currently makes numerous hang up calls to myself, my boyfriend, and his mother. We need assistance from an outside organization to get the contact to stop.