23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a savings account with US Bank that was closed. I was told they were mailing me out a cashiers check, but they mailed it to the wrong address. They advised me that I would have to wait upwards of 90 days to have a stop pay placed on check, then fill out a declaration of loss and then they would issue a new check. It is 2 months later and still I have no check, nor is there anybody that can give me a factual answer. I continue to get incorrect and different answers from anybody and everyone at US Bank, that goes for branch managers, customer service managers and etc. I have faxed in an any and all paperwork they have requested.
Product: Credit card or prepaid card

XX/XX/XXXX {$10.00} XXXX/Bill XX/XX/XXXX {$1300.00} XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$83.00} XXXX XX/XX/XXXX {$5.00} cash advance fee XX/XX/XXXX {$6.00} cash advance fee I called on XX/XX/XXXX later afternoon when I logged in my account found out those translations, I was sick at home in CA, the translations made in NJ.

Capital one bank send back four translation credit for {$200.00}, {$83.00}, {$1300.00}, {$10.00} on XX/XX/XXXX.

But on XX/XX/XXXX, capital one bank billed back on my account for {$200.00}, {$83.00}, {$1300.00}, {$6.00}, {$5.00}, also interest for {$0.00} I called, they say its no way someone can copy my card with the chip, the card was present when purchasing, Im responsible for the translations. But I really didnt do it.
Product: Debt collection

I am disputing a debt collection for unverified debt connected to a lease. I moved out on XX/XX/2021. The balance on the account as of XX/XX/2021 was XXXX. I received a debt collection on my credit report in the amount of {$5700.00}. The debt collector sent me an itemized list of the debt that includes fees that do not apply to me at all. 
1. Two rent charges for the period XXXX XXXX ( illegal ). 
2. Reletting fee ( no person on the lease was altered ( illegal again ). 
3. Pet fees ( my dog is ESA and I dont pay pet rent ). 
4. Increased utility fees ( doesnt support evidence I have stating the outstanding fees ).
Product: Credit card

I had so far XXXX total applications for credit cards that someone tried to get without my knowledge. XXXX out of those XXXX were granted back in XX/XX/2023 chase was opened without my knowledge. I only noticed because of a letter i got in the mail, then i saw it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received Transunion response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that Transunion had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for Transunion to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.
Product: Student loan

Navient f ormally   XXXX   XXXX  . Would not honor student loan forgiveness program for  XXXX  in  a    XXXX   XXXX   XXXX   for 5 years- {$17000.00}. Navient -did not apply extra money sent in to my principal loan amount, would not lower my payments, and would not extend my loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had to late payments on an account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. 
This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/23 XX/XX/23 I am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demmand these payments be updated to paid on time immediately. Thank You for your understanding and prompt actions
Product: Credit reporting or other personal consumer reports

Unauthorized enquirers include 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 card

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian, XXXX and XXXX about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives
Product: Debt collection

A company is trying to get me to pay XXXX dollars that they claimed is from a doctor I went to in the past however I checked my account with my doctors office and I do not have that balance. They even add it to my credit report and now my credit is drop drastically.
Product: Money transfer, virtual currency, or money service

I have tried repeatedly to close my Pay Pal account. I no longer have access to it. Their agents say it can't be closed because I have a Venom account which is owned by PayPal. 

I do not have a Venmo account and attempts to log in to Venmo or get a password reset show I do not. Further even if I did it would not be a joint account with PayPal and should not be a reason to not close the XXXX XXXX account. 

I received a fraudulent XXXX email yesterday claiming there had been an attempt to transfer {$500.00} from the account. A call to PayPal confirmed it was a fraudulent email. Yet when I insisted the account be closed the agent said she would email me something. Repeated attempts to send the email did not work, nor did providing a second email, nor did an attempt to text me. 

PayPal is subjecting me to potential fraud and liability by refusing to close this account which probably also has a credit card still attached to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote a letter to Transunion, XXXX XXXX XXXX  about a Major Issue on my credit report about a Bankruptcy. The account has incorrect, inaccurate, and inconsistent information reporting on all 3 bureaus. Which represents 4 major violations on my credit report with this account. 

I am having a problem with Transunion, XXXX XXXX XXXX I filed a dispute and Their investigation has taken more than 30 Days and I have yet to receive a response from them.
Product: Credit card

Welcome bonus was XXXX % APR for first XXXX months. AMEX did not put that offer on my account
Product: Credit card

I opened a Victoria secret credit card. I made a single purchase. I paid the balance in full. I then got a call that I owed a balance. The person tried to tell me I made purchases and that was the balance. I checked my checking account and said not possible, I paid the balance in full. The person argued with me, insulted me and I asked for a manager. The manager eventually said I had a late fee. I said not possible, I paid in full on time. I asked for proof I did not pay on time. I also had not received a statement. I keep getting calls but no proof. I believe they decided not to process my payment until late to claim the fees.i have not even activated the credit card and theyre engaging in fraudulent practices
Product: Debt collection

Hi there debt collector was for XXXX XXXX XXXX was closed bill said {$610.00}. Now XXXX XXXX is coming after me for XXXX it is the same XXXX bill that was closed and deleted XX/XX/XXXX, XXXXplease help me
Product: Credit reporting or other personal consumer reports

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

Account Name : 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  and list of Inquiries. 

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: Mortgage

On XX/XX/year>, Demand Letter sent to Inspire Home Loans , Inc delivered on Monday, XX/XX/year> in reference to a gutter-less, sloping house left in disrepair. Due to the failure to remedy such defects as is required, the foundation is now at risk and poor air quality in the home hover due to water damage creating hazardous, defective condition ( s ) on the property which I live in the home. ( No Response ) On XX/XX/year>, the U.S. Department of Housing and Urban Development XXXX XXXX XXXX sent to Inspire Home Loans, stating I repeatedly attempted to resolve the deficiencies with my home since closing and has not received the cooperation expected. HUD have attempted to contact the company and the warranty company involved with no further response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts below, 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. 

XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them.

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Chase XXXX XXXX so I applied online within 2 minutes I was denied credit for a auto loan. I received my credit report and went through it with a fine tooth comb. I then went to Chase Bank spoke to banker regarding my denial showing them my credit report. He could not understand why they denied me an auto loan. I came home and contact Chase who got me in touch with someone in the XXXX, who in turn got me in touch with Chase XXXX XXXX XXXX. I have been holding for 3 1/2 hours waiting to speak to someone regarding my denied loan and how it has affected my credit and ability to possibly get a car loan. The tape keeps repeating " we are currently receiving heavy call volume, your call is very important to us, you will be answered by the next representative. Will I??? Will I be able to obtain a car loan???? 

I have been going in circles one party at Chase blaming the other saying they don't understand as it appears that I have impeccable credit report. I have no balances, I don't have a mortgage, I have a student loan that is current.
Product: Credit reporting

Account # XXXX for XXXX was official discharged on XXXX/XXXX/XXXX and Equifax continues to state that the creditor has reported to them that the account status as of XXXX XXXX, XXXX is 120+ days past due. When I contacted XXXX they indicated that they have not reported on that account since XXXX XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about 16 times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be 120+ days past due as of XXXX if I no longer owe on that account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.
Product: Money transfer, virtual currency, or money service

VENMO - very poor security and they do not care. I had a VENMO account under the ID XXXX XXXX XXXX XXXX XXXX ). On XX/XX/2022 I received a text from a friend asking me why I was Sending via VENMO {$1900.00}. I told her I had not, I had not initiated any Venmo payments for many days. I immediately reviewed my VEnmo activity and noted that there were three unauthorized VENMO payments of {$1900.00} each, they were initiated by a a VENMO ID XXXX XXXX XXXX XXXX XXXX XXXX  ( not even close to my VENMO ID ). I immediately called Venmo and after jumping thru numerous hoops was allowed to talk with someone who I told that there were threXXXX unauthorized requests by an ID that was not my VENMO ID. I was told I would hear back from VENMO via email within a week. They obviously do not take security breeches seriously. I immediately called my bank and asked them to block any debits from VENMO, at the time there were no debits noted on my bank account. The next morning there were 3 debit attempts of {$1900.00} to VENMO, these were declined by my bank and I went in the next day and CLOSED my bank account. I again sent email and phone requests that I wanted my VENMO account CLOSED. I was told it could not be closed as it was frozen. I received an email that the account was frozen. I called Venmo again a month later and AGAIN requested that my account be CLOSED. This time I was told I could not close the account because I had an unpaid balance ( which was a result of them allowing an unauthorized ID to access my account and attempt to access my bank account ). On XX/XX/XXXX, VENMO without my authorization allowed a friend to mistakenly pay me {$100.00} via VENMO, this was my first knowledge that my account was NOT FROZEN or CLOSED as I had numerous times requested. Talking with them via phone and email via their website, I again asked that my VENMO account be closed, I was told again that they could not close the account as I had an upaid balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX NCB Management Services Inc. XXXX XXXX  XXXX XXXX , PA XXXX RE : NCB File # : XXXX ( On behalf of XXXX  XXXX XXXX XXXX , XXXX D/B/A XXXX Acct # : XXXX ) To Whom It May Concern : This letter is in regard to reference number : NCB File # : XXXX account number : XXXX, which you claim I owe {$5200.00} to XXXX  XXXX XXXX XXXX , XXXX D/B/A XXXX XXXX. This is a formal letter that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 

I contacted this company by certified mail on XX/XX/2019 and I have not received any credible response showing my signature on any documents showing where I owe this debt. This company has filed a collection report with all three credit bureaus without validating my signature. Please force this company to validate my signature that I owe this debt. If they don't respond in 30 days, please make them remove all collection notices with all three credit bureaus.
Product: Money transfer, virtual currency, or money service

I have had several transactions on Paypal that needed further protection and Paypal denied my cases all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Debt collection

I would like to take action against I.C. Systems for knowingly violating my rights under the fair credit reporting act - Section FCRA 623 ( a ) ( 5 ) ( A ). I had a debt that was suppose of been taken care of back in 2018. I do not owe this debt. I have fought XXXX XXXX to get this bill credited back to my account. I had XXXX XXXX service in 2018. In XXXX of 2018, i had moved to a different area. XXXX XXXX informed me that they would not be able to connect service in my area do to lack of signal. They said they had no choice to let me out of my contract. They said the early termination fee will be waved in this case. I returned all 3 cable boxes which i enclosed a receipt for. XXXX XXXX applied the early termination fee to my account anyways, along with equipment charges that was returned. I kept calling them to credit these charges back. They finally did in XXXX of 2018. A few years later, i get a bill from a collection agency reapplying these charges. I been fighting these collection agencies because they been illegally selling back this debt when there is no amount owed!!! This is unlawful! Now this collection agency sent me a new bill for the same charges! IC systems has violated my rights by changing the original last day of payment made on this account. The last delinquency date on this account was in XXXX XXXX. I have not made a payment on this account since then. Any past due amounts i have already paid. These charges are for equipment charges which was returned, and for an early termination fee which was suppose to be waved! I have enclosed a few bills i received so you know i am telling the truth. By law, when a collection agency buys a debt, they must keep the original last date of delinquency on the buyers credit report. They are not allowed to change this date in anyway! This is what they call the time of limitations of a debt. The time a debt can legally stay on someone's credit report. They took it upon themselves, and changed this date to the date they bought this debt! This is illegal and unlawful!!! This is not counting the fact that the debt is not even owed! I want to file charges against I.C. Systems for violating my rights under the fair credit reporting act for damages done to my report! I have enclosed documentation for this account.