23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit.
Product: Consumer Loan

I traded in a vehicle, and the new finance company sent full pay off via tracked mail, however the original company is still collecting on the debt and calling me, without applying the payoff funds to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I've disputed incorrect information on my Credit report from Experian, regarding the repossession of a vehicle by XXXX XXXX XXXX. The Vehicle has been paid in full and I have the Title. I also noticed they listed that I have a Real Estate Mortgage as well as 3 installment loans. This information is incorrect. I have 1 Home Improvement loan and one Vehicle loan from XXXX XXXX XXXX XXXX. Please help me to have these incorrect items removed.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : | XXXX XXXX XXXX | Bank Credit Cards | XX/XX/XXXX | Experian | XXXX XXXX | Bank Credit Cards | XX/XX/XXXX | Experian | XXXX XXXX | Used Car Dealers | XX/XX/XXXX | Experian | XXXX XXXX XXXX | Used Car Dealers | XX/XX/XXXX | Experian | XXXX XXXX | Used Car Dealers | XX/XX/XXXX | Experian | XXXX XXXXXXXX | Automotive Financing Companies | XX/XX/XXXX | Experian | XXXX XXXX XXXX  | Automotive Financing Companies | XX/XX/XXXX | Experian | XXXX XXXX XXXX XXXX | Automotive Financing Companies XXXX XX/XX/XXXX | Experian | XXXX XXXX XXXX XXXX | Automotive Financing Companies | XX/XX/XXXX |Experian | XXXX XXXXXXXX | Bank Credit Cards | XX/XX/XXXX | Experian | XXXX XXXXXXXX XXXX | Bank Credit Cards | XX/XX/XXXX XXXX Experian
Product: Checking or savings account

On XXXX I deposited 2 checks from my retirement fund through the mobile app of course! After doing that find out that they put a HOLD on the deposit for several days! I also have my insurance through USAA and with the hold on my deposit they cancelled my insurance! The deposit was for 4400 and some change. After finding out about the hold I contacted there CS and that was a waist of time but was told to contact there Executive Resolution Team. After being on hold for over 1.5 hours I finally talked to XXXX! I was told by her that it.was friday and anyone that could release the hold was gone for the weekend and so the VETERAN CUSTOMER is set to suffer again. After being in XXXX XXXX you would think they would want to serve there customers BETTER! Now my insurance is cancelled my checking account is on XXXX XXXX the 4400 sits in my savings with a HOLD while USAA uses my money and I cant! I also have tried to email XXXX XXXX amd well I guess you know how that went! IT DIDNT!
Product: Mortgage

I am a XXXX representing my client. His house is in foreclosure and has XXXX separate liens on the property. The first lien holder Selene Finance gave us an approval to list the property for sale as a short sale to avoid foreclosure. They told us that we needed to have it sold before XX/XX/2017 or it would go to sheriff sale. We put the house on the market and had it under contract for full asking price within 6 days at the approved price Selene finance told us to list it for. I sent the agreement of sale and all supporting documents they asked for to them to review and within a few days they issued an approval. The approval letter is dated for XX/XX/2017 but says we have until XX/XX/2017 to complete the process or this home will go to sheriff sale. 

The second lien is with XXXX. It 's a {$37000.00} Home Equity Loan. When I spoke to the representative at XXXX she gave me a list of documents needed for them to do their own valuation of the property and what they will accept as a final settlement. The representative said their process would take about 30 days to complete once they receive the documentation they needed. One document they needed was a statement of the first lien payoff balance which we requested from Selene Finance and have yet to receive thus pushing back the process for XXXX even further. 

After to speaking to my broker and other resources, it has come to my attention that Selene Finance is practicing something called " Dual Tracking '' and by doing this it almost guarantees that the homeowner wo n't be able to sell this house and avoid foreclosure. All we are asking for is an opportunity for the second lien holder to do their investigation and for the buyer in this transaction to obtain financing once all approvals have been given from both Selene Finance and XXXX. Please advise on what we can do to delay the sheriff sale on XX/XX/2017. 

Thank you
Product: Vehicle loan or lease

I CONTACTED BANK OF THE WEST IN XX/XX/XXXX TO ASK FOR A MODIFICATION OF LOAN TERMS, DUE TO A CHANGE IN CIRCUMSTANCES AND THAT BECAUSE OF THESE CHANGES I WAS NO LONGER ABLE TO MAKE THE PAYMENTS FOR THE ORIGINAL AMOUNT OF {$440.00} EACH MONTH. I SUFFER FROM SEVERE XXXX AND XXXX AND AM ON XXXX AND AM NOW CARING FOR MY MOTHER FULL TIME WHO IS ONLY ON SSA RETIREMENT BENEFITS. I PROVIDED THE DOCUMENTS REQUESTED BY THE LOSS MITIGATIONS DEPARTMENT OF THE BANK ALONG WITH MEDICAL DOCUMENTS AND WAS SENT A LETTER ON XX/XX/XXXX THAT ALL DOCUMENTS NEEDED HAD BEEN RECEIVED. THEN ON XX/XX/XXXX I RECEIVED A LETTER STATING THAT DUE TO INSUFFICIENT INCOME THEY WOULD NOT MODIFY LOAN TERMS, BUT THAT WAS THE ENTIRE REASON WHY I ASKED FOR THE CHANGE BECAUSE I COULDN'T AFFORD THE CURRENT TERMS. SO I CONTINUED REACHING OUT TO THE LOSS MITIGATIONS DEPARTMENT AND THROUGH OUT THIS PROCESS WAS INCLUDING LETTERS WITH PARTIAL PAYMENTS OF {$220.00} EACH MONTH AND WAS TOLD BY THE COLLECTIONS DEPARTMENT THAT AS LONG AS I WAS CORRESPONDING WITH LOSS MITIGATIONS AND ATTEMPTING TO MAKE PAYMENTS ON THE LOAN THE CAR WOULD NOT BE REPOSSESSED. THAT WAS NOT THE CASE AND UPON LEAVING TO GO TO THE DOCTORS THE VEHICLE WAS GONE. I HAD TO BORROW MONEY TO GIVE TO THE BANK AND TO THE REPOSSESSION COMPANY AND MANAGE TO GET MYSELF TO XXXX TO RECOVERE CAR ALL IN A MATTER OF DAYS. I AM STRUGGLING TO GET HELP FROM YHE BANK AND CONTACTED XXXX XXXX AT XXXX XXXX XXXX XXXX AND SHE REFERRED ME TO THE CONSUMER ASSISTANCE COUNCIL. I FILLED OUT A COMPLAINT FORM BUT HAVE NOT HEARD BACK. ALL I AM ASKING FOR IS TO CHANGE THE LOAN TERMS IN ORDER TO CUT THE REGULAR PAYMENT IN HALF. I NEED MY VEHICLE TO PROVIDE CARE FOR MY MOTHER, WHICH I HAVE INFORMED THEM OF. THE LOSS MITIGATIONS DEPARTMENT NOW STATES FILE IS INCOMPLETE BUT THE DOCUMENTS THEY ARE ASKIG FOR I ALREADY SUPPLIED TO THEM IN XX/XX/XXXX AND XX/XX/XXXX AND WAS TOLD FILE WAS COMPLETE.
Product: Checking or savings account

I HAVE BEEN A VICTIM OF IDENTITY THEFT IN WHICH BANK OF AMERICA CALLED ME TO INFORMED ME THAT MY ACCOUNT HAD BEEN COMPROMISED AND BANK OF AMERICA WOULD BE ISSUING A NEW DEBIT CARD TO MY ADDRESS. 

I HAD TO QUARANTINE TO QUARTERS BECAUSE OF COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM IN THE XXXX DATA BREACH I WAS FINALLY ABLE TO GET THROUGH TO BANK OF AMERICA WHERE BOFA INSTRUCTED ME TO FILE A CLAIM, IN WHICH MY FIRST CLAIM WAS FILED ON CLAIM ONE FOR {$5300.00} # XXXX XX/XX/2021 WAS APPROVED BY BANK OF AMERICA BACK OFFICE WHERE I WAS NOT LIABLE AND NO SUPPORTING DOCUMENTAION WAS NEEDED. MY OUTSTANDING BALANCE HAD NOT BEEN PLACED ON MY CARD WHERE I WAITED FOR ABOUT A MONTH UNTIL I WAS INFORMED A SECOND CLAIM WOULD NEED TO BE FILED AND I WOULD NOT NEED TO WORRY, IN WHICH CLAIM TWO {$19000.00} RE-OPENED # XXXX. XX/XX/2021 WHERE SUPPORTING DOCUMENTATION WOULD BE NEEDED NEEDLESS TO SAY, I SENT ALL DOCUMENTATION IN WHICH I HAVE ABOUT TEN SUPERVISORS VERIFY THAT SUPPORT DOCUMENTS HAD BEEN RECEIVED AND THAT THIS SECOND CLAIM IS PART OF THE ORIGINAL FIRST CLAIM. 
BANK OF AMERICA BACK OFFICE NOW STATES I AM BEING DENIED BECAUSE OF NO SUPPORT DOCUMENTS, BUT YET, I WAS JUST APPROVED BY BANK OF AMERICA BACK OFFICE WHICH CLEARLY PRESENTS A MAJOR CONTRADICTION I AM NOW BEING EVICTED FROM MY HOME BEFORE XXXX BECAUSE BANK OF AMERICA BACK OFFICE MY ONLY REQUEST IS TO PLEASE RELEASE MY FUNDS BECAUSE IVE PROVEN BY THE BOFA BACK OFFICE I AM A VICTIM. THIS EXPERIENCE HAS TAKEN A TOLL ON ME AND I ASK FOR YOUR HELP
Product: Credit card or prepaid card

*** XXXX XXXX Reference # XXXX *** Venmo Dispute Claim ID # XXXX - XXXX XXXX booked XXXX  XXXX on XXXX app with Venmo card. 

- My complaint is 2 part. Here I am complaining about Venmo handling about a dispute. 

- I will complain about XXXX XXXX with CCPA separately. 

XXXX XXXX XXXX XXXX had plumbing issues and never told anyone, also my reservation was non refundable. Next morning before check out I wanted to shower and the hot water would not come out. Only when I called the front desk did they tell me about it and told me We put signs out everywhere stating water problems. Lol how was I supposed to know that? They told me the best that they can do was 10 % discount because a shower is 10 % of the stay experiences. WHAT LOL!!???? WHO WOULD BOOK THAT HOTEL KNOWING THEY DONT HAVE HOT WATER??? 

I contacted Venmo and filed a complaint for refund ( Attached ) about this ridiculous event. They reached out to XXXX XXXX and posted Resolved on my dispute case next day siding with XXXX XXXX. 

My complaint about Venmo is how do they side with a company who admitted their fault and offer a 10 % discount for compensation. How do they come to a decision with the party willing to pay for their error??? Venmo makes too many power decisions without considering the consumer. I have not received any compensation to this date or a clear explanation phone call. Nothing! 

Am I missing something or do I have a clear logical point that addresses the situation accurately. Please help me and advise me what to do. Thank you so much for your time and effort on this matter. 

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

On XX/XX/XXXX I settled my account for less with XXXX XXXX XXXX XXXX when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XX/XX/XXXX XXXX XXXX started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the XXXX XXXX representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX XXXX XXXX and provided the payoff to XXXX in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to XXXX I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX,  in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX XXXX send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue XXXX and XXXX to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of XXXX XXXX which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the XXXX and XXXX XXXX do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that XXXX XXXX has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see XXXX XXXX trying to get away with this even after they just defrauded millions of Americans. XXXX received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

A balance transfer was made in the amount of {$5600.00} in XXXX of XXXX from my Capital One card to a XXXX XXXX card. I began contacting Capital One in late XXXX because the balance transfer had not come off of that account. Throughout summer, both companies were contacted multiple times. XXXX XXXX completed several research requests concluding that they did send the funds. Capital One still stated the funds were not seen. In XX/XX/XXXX, I called XXXX XXXX and discovered that the last 4 digits of the account number they sent the funds to did not match my account. I am unsure how these numbers got changed. To remove the balance from my account, Capital One is requesting an EFT report showing that the funds were sent. On XX/XX/XXXX, I called XXXX XXXX requesting that further documentation be sent showing that the balance transfer occurred. They stated that the only proof they could provide is my statement. The statement had already been sent to Capital One and was determined to be insufficient proof of transfer. XXXX XXXX stated that the only other option is a custom letter. I again called Capital One to let them know. After some discussion, a three way call was done between myself, the Capital One representative named XXXX, and the XXXX XXXX representative named XXXX. This call was recorded on both sides. XXXX stated to XXXX that the EFT report was all that was needed to resolve the issue. XXXX stated multiple times that he understood the request but XXXX XXXX was unable to provide that, and that the only proof that they could provide was my statement or a letter. XXXX let him know that those options are not sufficient. He acknowledged that information. XXXX placed a request for both the EFT and a letter but acknowledged that it is unlikely that the XXXX will be sent. He also stated that regardless of the outcome, there is no way to cancel the balance transfer, leaving me to pay the balance on both cards. I have now have the same balance on two cards. Capital One has temporarily refunded the balance to allow me to submit further documentation but it will be recharged to the account if sufficient documents are not sent. 

XXXX XXXX sent me a transaction report to verify that funds for a balance transfer were sent to Capitol One back in XX/XX/XXXX. This report was sent to Capitol One as they are stating they have no record of the payment from XXXX XXXX. Capitol One now states that the report is not the electronic funds transfer report that they need and it does not state that the transaction was received by Capitol One. Per Capitol One, their payment team can not find a payment of the amount of the balance transfer, {$5600.00}, on or around the date it was supposedly sent. Capitol One states that since the report from XXXX XXXX shows no proof of receipt by Capitol One, it is possible that the transaction did not go through. Another complaint was lodged against XXXX XXXX on XX/XX/XXXX. They again sent the same form which Capitol One will not accept. I am still left with the balance on both cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting a XXXX XXXX ( XXXX XXXX ) account on my credit report. The account is for an address in which I have never lived or had any services. I have provided Equifax with a copy of my lease and statements from XXXX XXXX which prove I lived and had services at a different address during the dates reported by Equifax. I also included a statement which shows I am in good standing and owe no debt to XXXX XXXX. Though I have sent multiple letters to Equifax, the account remains on my credit report as " verified. '' This inaccurate account and the refusal of Equifax to correct their erroneous reporting is causing concrete harm to me financially. Equifax is reporting the account opened XX/XX/2020 so I included a portion of my lease and a XXXX XXXX email which show I lived and had service at a different address during that period.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I intiated an instant transfer of funds in the amount of {$280.00} from my Venmo account to my XXXX checking account.Although Venmo insists that the funds were transferred, the funds never posted in my XXXX  checking account.Both companies performed a investigation but couldn't determine where my money went and told me that they consider the matter closed.My boss, who wrote the check, went into XXXX XXXX and had the check traced.XXXX discovered that the funds were deposited into a account at XXXX XXXX XXXX  XXXX, XXXX XXXX, which was then transferred to an account at XXXX XXXX XXXX  XXXX XXXX XXXX. I have a copy of the check which I will attach, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 2 complaints against Transunion with the CFPB this would be the 3rd. They have never responded correctly to all my request in thses complaints Transunion has still reported the two XXXX accounts but has removed both Department of ed/XXXX XXXX accounts when they should all show as paid in full. They have recently just placed XXXX/XXXX back on my account after removing months ago. They are still reporting XXXX XXXX with a balance of {$770.00} which was also paid in XX/XX/2019 and reported to all 3 credit agencies as paid with last payment showing as received. Please see attached previous claims/complaints and the attachments on all other complaints filed. I have additional documentation that I would be glad to mail or email my computer will not allow me to attach them again but they are included in the previous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX  account number XXXX in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt. The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, XXXX, Equifax, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- I have been working on my credit starting in XXXX of this year I paid all my bills on time and paid off some of them I went from XXXX to XXXX starting XX/XX/XXXX score dropped XXXX points of a mistake the Equifax part XXXX I filed a dispute letting them know that the information was wrong My Morgage payment did not go up it went down and I was told that the points would be added back to my account after they finished the dispute but nothing changed, again on my XXXX my score went down again by 3 points for just using my credit card, and again on XX/XX/XXXX it dropped XXXX  points on XX/XX/XXXX it dropped XXXX points and on XX/XX/XXXX my score went down XXXX points after paying off my XXXX XXXX account I just don't understand how my score keeps dropping when I'm paying all of my accounts on time. It seems like the more I work on my credit the lower my score goes so I need someone to check and help me understand what's going on.
Product: Debt collection

Usaa left 3 voicemails within 15 minutes. After I scheduled a payment online for credit card.
Product: Debt collection

They are trying to collect a debt that was already paid by insurance ... .will not give me original creditors new contact info so I can provide proof.
Product: Vehicle loan or lease

I have submitted a complaint about this already. I have called and requested a statement up to date and where to send payments every time I call I get transferred and the call drops or Im told Wells Fargo does not handle the loan. Not once in 8 months have I received anything from them. I cant even give an account number bc Wells Fargo apparently doesnt service the loan anymore!