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

on or about XX/XX/21 I attempted to purchase XXXX ft of XXXX XXXX  for {$620.00} on line from Lowes. Delivery was supposed to be with in 1 week. After waiting 4 weeks I called Lowes customer on XX/XX/21 and on XX/XX/21. I called Lowes to find out what happened to my order. They told me they did not know what happened to the order. So I told them I wanted a refund. After waiting about 2 weeks later I put in a complaint with Lowes ( Synchrony Bank ) Credit card. They denied my claim stating the order was delivered. I have never received my order. 

On the order slip it said XXXX shipped it Tracking # XXXX. I checked with XXXX, they said they need a 12 character number.
Product: Debt collection

I have already filed a complaint against this company and was not able to respond to their response. They have lied yet again. They did not provide the documentation my attorney requested. We ended up having to ask the judge to suponea the records as they were refusing to provide them. Once we did they sent bare minimum records that did not include how much had been paid and to what accounts. This ended up creating more problems in the court case. Since then I have requested the same documents on multiple occasions only to be told that they will not provide that. Now they have violated the court order that specifically stated they could not go after my ex-husband any further for these collections. They have sent him a threatening letter stating they will not accept payments but that the account is to be paid in full. Until they can provide documentation to show where the payments have been going, neither myself or my ex husband will be paying them anything as we do not know where our money is being applied to or have proof that it is being applied correctly. This is bad business and now could lead to more legal action as they have violated the court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquiries on my Equifax credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old need to be removed : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX XXXX 21. XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX claims I owe them a debt of {$410.00} but It has not provided any evidence backing up this claim. I sent my proof of payment along with a certified debt validation letter ( Uploaded ). It was Delivered on XX/XX/year>, but they ignored it. I have tried multiple times to have this debt validated to no avail. XXXX investigated the collection and removed it form my credit report but Transunion has not provided supporting documentation to show validity of this debt. I have no other recourse to resolve this issue as my pleas for clarity from XXXX have consistently fallen on deaf ears. I even spoke to their customer service representatives and they were unable to locate the billing source for this collection.
Product: Debt collection

I disputed information on my credit report. The results were favorable to me and were deleted from my XXXX report. Portfolio recovery associates have refused to delete the information from the remaining CRA.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit card

My complain is two fold : I had Capital One Venture X card ( {$390.00} annual fee ). As part of that, there's a {$300.00} annual travel credit. Mine was expiring XX/XX/XXXX. It has said " expires XX/XX/XXXX '' I went in today ( XX/XX/XXXX ) and it said {$0.00} travel credit. So, I called the Capital One XXXX ( not credit card ). They told me that they see my travel credits as expiring on XX/XX/XXXX & there was nothing they could do. I was connected to the credit card side of things, who said that my {$300.00} travel credit EXPIRED already on XX/XX/XXXX. I said it's still XX/XX/XXXX. They said there was nothing they could do, the date could not be extended, etc. I was not offered any other compensation ( miles, bonus, etc ). I decided to close my account, and decided to transfer my account miles ( XXXX ) to an airline partner before closing my account. In trying to do that, I was prompted to

do MFA ( multi factor authentication ) and just continuously got looped to log out. There was a number to call, which had me waiting on hold and I had to get back to work, so I logged off. I eventually cashed in the miles/points for cash, which I did NOT want to do since it's an ineffective use of them, but I wanted to close out the account as soon as possible. I did call to close the account and reiterated the situation, asking to have my two issues escalated. Again, I was not offered an alternative and was reminded of the travel credit that comes with the card, which I could not use. Long story short - could not use the {$300.00} credit THROUGH the date it said. The travel department of Capital One had a different expiry date than listed.
As an aside, I did ask the Capital One XXXX people why LAST year 's ( XXXX ) credit also shows an expiry date of XX/XX/XXXX, but they couldn't tell me. See attached for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX account with Equifax to the cfpb before see complaint number XXXX. Equifax is still reporting inaccurate and now incomplete information on my credit report. The balance of XXXX reporting is inaccurate. This account is also not reporting a closed date which makes the reporting incomplete. The first time I disputed this account was XXXX and I have not seen any corrections or deletion of this account.
Product: Debt collection

New and updated information. 
I sent a cease and desist letter along with a SECOND request for debt validation to NAVY FEDERAL CREDIT UNION which was received by them on XX/XX/22. NAVY FEDERAL CREDIT UNION responded only with the exact same thing they sent in response to my initial debt validation request which is an envelop containing statements which IS NOT proof of validation as REQUIRED by federal law
Product: Debt collection

On XX/XX/2019 I deposited, into my personal XXXX account, a check at the direction of my emloyer in order to conduct business on his behalf. 

5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called XXXX corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. 

On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed XXXX the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. 

I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). 

I hope something good will happen. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus : Inconsistencies in Payment Comments : XXXX : " Purchased by another lender. '' XXXX : No comments provided. 
Equifax : " CHARGED OFF ACCOUNT. '' Discrepancy in Date of Last Payment : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Discrepancy in Last Reported Date : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 


Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated XXXX  system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Checking or savings account

During a trip to XXXX in XXXX, my debit card, my credit cards, and my phone were all stolen and my debit card and my credit cards were charged thousands of dollars. Both my credit cards declined these transactions because they were obviously fraudulent. My debit card bank, Axos, allowed these charges to go through ( totaling {$2200.00} ) despite Axos also flagging these charges and denying subsequent charges ( see attached form ). When I disputed these charges, Axos denied my claim and explained that I approved the charges through face recognition software ( see the attached form ). I have a XXXX XXXX that does not have face recognition capacity.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$980.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX  Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX my Venmo account was suspended. I have a balance of {$580.00} in my account so I contacted them almost everyday since as nd everyte they say someone will cont as ct me via email in 7-10 days. It is now XX/XX/2022 and I still can't access my money nobody has contacted me and nobody can help me. I have changed my password and pin I've sent photo id it won't let me add a bank account or update my phone number. I am beyond frustrated I can't get answers and I've lost my job because I couldn't get gas to get to work I can't feed my child.
Product: Student loan

I have had trouble with navient for quite some time. I don't know if I'm one of the people that has been hustled from them but I know my time with them has been a struggle. This past winter they took out two payments and I had to go through hoops to get a payment back. They even tried to say that they have no record of it. Their information they gave me over the months was very inconsistent. They changed my payments without telling me as well. I was paying {$40.00} a month with such high interest that nothing was getting knocked off my total debt. They recommended this much for me and told me that with the income based debt deal, the interest would go down and it would make a small dent overtime. But my bill kept getting higher and I didn't know how. But as I said they changed it without telling me to XXXX a month based off the same income that I had before and didn't have a good reason as to why that's the lowest they can go. I feel like my total amount due should be much less than it is to this day and they somehow screwed me. I'm also angry that they're taking {$100.00} a month and it doesn't seem to be doing much. I complained about them not telling me and they gave me a bunch of excuses and didn't give me good reasons to anything.
Product: Credit card or prepaid card

I had an in k Chase credit card and called to pay off the balance and close the card. I asked the cha se rep how much I would need to pay off in order to close the card and was given a payoff amount.     Following my payment, an interest charge a month later was charged to my account of {$9.00}. I did not know about this because i closed the account. This {$9.00} then got assessed late fee after late fee and was reported to my credit as delinquent. I now supposedly owe over {$200.00} on this closed credit card.      Chase has ad mitted that I called to payoff balance to close card but will not correct the issue. THey claim I should have known to ask about future interest - even thought I asked what I would need to pay off to close the account!     The payoff happened in   XXXX   XXXX    2016  and I am still being harassed about this balance and it is negatively affecting my credit.     Here is a transcript of the message left for me today : Hi good afternoon this messag e is ______ my n ame is  XXXX   XXXX  from  Chase  card services returning your request for a phone call. You have given us permission to give a detailed message which we are following up with your concern on  XX/XX/XXXX  about your ink account that is now closed more specifically about the fees that are in the credit report um now it was suggested to us that you were provided incorrect information at the time that you made your payment and you requested to include all future interest as well at the time of the call and that what we were actually able to confirm on the date of the payment in  XX/XX/XXXX  was that you did request to close the account and also request to pay off the balance which the specialist proceeded and processed the payment for accordingly. what we were able to confirm was that there was no discussion for any related to the fees there was no questions if you would be if there 's any fu ture ____ ____ ____ going to communicate that through your monthly statement __ ___ ___ ___ call r eview ____ we were able to determine no missed information _____ at this point your account is   XXXX   delinquent and he stil l have _ balance of {$130.00} that is still required please know what you do set aside this balance _________ will be a subsequent balance ____ interest that when __ called residual interest that will still be assessed ___ at the closing of your cy cle date _____ __ this case __ ___ paid on time they will be  XX/XX/XXXX  again we are aware that you are requesting to have these ________ __________ the cred it _________ correct based on our research which will be documented on the _______ there was no evidence of anything ____ ____ __ apologize _____ not able  to speak to you at this time but if you do need to follow up we have supervisors availa ble 24 seven  at  XXXX   ___ the number __ any back of your active check account thank you for your time ___ h ave a wonderful day
Product: Credit card or prepaid card

XX/XX/22 Spirit Elite card application applied for fraudulently through Bank of America. My credit file was locked Approx XX/XX/22 Another application for the same card was applied for from Bank of America previously. Spent hours on the phone, had to confirm my identity at a local branch to stop the application. They opened it anyway. Called their fraud department a 2nd time and they shut it down
Product: Debt collection

I never received the initial billing of this medical bill. I provided my insurance and now I have lost my job with the company I was with that I used the insurance with. XXXX XXXX XXXX XXXX. XXXX is {$520.00}.
Product: Mortgage

I have had numerous issues with XXXX XXXX, the first issue has almost been resolved however I am still after 3 months outstanding a payment of {$230.00} which apparently comes from FHA direct! The other issue which is ongoing and I have numerous emails and phones calls logged with them, is that I have had my FHA mortgage since XX/XX/2012 and as soon as the 5 years were up and we met all the criteria to have the MPI removed, I emailed/called/wrote to them, never had a response albeit generic emails to say put it in writing to us why you want it removed and if you meet the criteria we will contact you! This was an ongoing issue, one one phone call the agent told me I would not be able to have the MPI removed as the Loan to Value was not enough and it was not a current valuation but original valuation, I explained I wanted to make a payment to bring the LTV down to the correct amount which would save me {$240.00} a month, yet again she said she would get the dept to contact me! they never did, they have documentation of all my email requests, XXXX XXXX at XXXX has confirmed this and I have been in touch with him since XXXX, so I have basically overpaid {$240.00} per month and I want a refund of this asap, they have told me I am correct and this should have been actioned and it is with the Manager, well it has been with the Manager for months! I want a resolution as this has so far cost me time effort stress and more importantly my hard earned dollars. Please can you help me reach a conclusion. XXXX
Product: Debt collection

I received a letter dated XX/XX/2020 from Simm Associates , Inc. stating I had a negative XXXX balance of {$6600.00}. I do not have a XXXX account. I have never had a XXXX account. The debt claim is fradulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Receivable Solutions, Inc in full, {$130.00} and {$140.00} on XX/XX/XXXX. The checks that cleared were XXXX and XXXX, respectively. They admitted to the XXXX XXXX XXXX that they applied my payment to wrong accounts. XXXX  Case Number was XXXX. Receivable Solutions, Inc apologized for their mistake and reassured me that they would delete those two debts off of my XXXX. They promised it would be deleted by XX/XX/XXXX although, I paid it back in XX/XX/XXXX. However, these two debts from Receivable Solutions, Inc are still on my XXXX  credit reports. I would like these collections to be deleted from my XXXX as they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received alerts within the past few weeks from all 3 of my credit bureaus showing that a collection company called Radius Global Solutions has entered two new collections into each report. I do not recognize either and have no idea what these accounts belong to. I have never received any communication in writing, by phone, fax or otherwise from this company or anyone representing them stating what this is for, who the original creditor is or anything else. All I know is the amounts are for {$850.00} and {$72.00}. 

I am including screenshots of the most recent ones.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXXand i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX  with XXXX and hoping i can move in my own place in my own name for once