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

I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution procesr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within XXXX XXXX I have included the necessary documents for your review and reference.
Product: Debt collection

I am writing to express my extreme dissatisfaction with the handling of my claim regarding an undelivered package financed through Nordstrom Card Services, managed by TD Bank. The denial of my claim and the lack of accountability in resolving this matter are unacceptable. I made a recent purchase from Nordstrom using my Nordstrom Card, which is managed by TD Bank. However, despite the package being marked as delivered, it was never received. The shipping receipt contains a signature that does not match mine, as I did not sign for any package. I have taken the following steps to address this issue : 1. Contacted Nordstrom : I immediately contacted Nordstrom 's customer service to report the undelivered package and the discrepancy in the shipping receipt. Nordstrom redirected me to TD Bank, claiming that they are responsible for resolving the matter. 2. Contacted TD Bank : I promptly contacted TD Bank 's customer support and filed a claim regarding the undelivered package. However, my claim was unjustly denied, with TD Bank insisting that Nordstrom should handle the issue. This situation has left me in a distressing and untenable position. I find it completely unfair and unreasonable to be caught in a dispute between Nordstrom Card Services and TD Bank, with neither institution taking responsibility for the resolution. I demand immediate action to rectify this situation and provide a satisfactory resolution. Specifically, I expect the following : 1. Thorough investigation and resolution : I insist that Nordstrom Card Services and TD Bank collaborate to thoroughly investigate the undelivered package and the discrepancy in the shipping receipt. It is imperative to rectify this issue promptly and ensure that I am not held accountable for an item I did not receive.

2. Clear communication and updates : I require consistent and transparent communication from both Nordstrom Card Services and TD Bank regarding the progress of my case. It is essential that I am kept informed of any developments or actions taken to resolve the issue.

3. Accountability and responsibility : I demand that both Nordstrom Card Services and TD Bank acknowledge their respective roles and take full responsibility for resolving the issue. The burden should not fall on the customer due to an internal conflict between the store and the bank. I trust that you comprehend the severity of this matter and the impact it has on customer trust and satisfaction. As a long-standing customer of Nordstrom and a loyal cardholder with TD Bank, I am appalled by this experience, which has significantly damaged my confidence in both institutions. Immediate action is crucial to rectify this situation and restore my faith in your services. I expect a prompt and satisfactory response to this complaint.

Please contact me at your earliest convenience to discuss the necessary steps to resolve this matter.
Product: Credit card or prepaid card

Comenity Capital reported to the credit bureaus that my account was late in XXXX of 2017, when it was not. I contacted Comenity Capital and they apologized for the error, but said the only way it could be fixed was to dispute my pay history with the credit bureaus. I did that, and Comenity Capital told the credit bureaus my account was delinquent in XX/XX/XXXX. I called Comenity Capital back and asked them why they verified the delinquency when it was an error, and they could not give me an answer. They said they were sorry, but there was nothing they could do. They said I had to dispute it with the credit bureaus again. This just is n't right. Comenity Capital has the control over the information they report to the credit bureaus, not me. It should be their responsibility to report correct information, not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase from XXXX in the amount of {$280.00}. There is a 30-day money-back guarantee on the purchase. 

On XX/XX/XXXX, the glasses were returned to XXXX via priority mail flat rate box. 

On XX/XX/XXXX, the package was delivered to XXXX, and signed for by XXXX XXXX at XXXX. 

The glasses were returned, and XXXX did not refund my money. I opened a dispute with Citicards. On Saturday, XX/XX/XXXX, Citicards advised me that the dispute was resolved in the merchant 's favor, and the credit they previously issued me was being reversed. Citi did not tell me why. I have since called Citicards 3 times, emailed them proof of the return, and faxed proof of the return - they not only refuse to help me, but every single time I call them, they advise me that they can not speak to me because of some fraud warning on my account. I then get transferred to the fraud department who advised me that there is no fraud warning on my account! This has happened multiple times, and because of this fraud warning that doesn't exist, they will not reopen the dispute.
Product: Mortgage

Unlawful Foreclosure. Unlawful Foreclosure. I have submitted a full and complete loan modification application to XXXX and as of XX/XX/2019 with the debt collector XXXX. As of this date, we have received nothing but a deceptive response from both XXXX and XXXX and no accurate status regarding our request for the loan modification Our home is currently in active foreclosure with the sale date scheduled for XX/XX/2019. Therefore ; pursuant to California 's Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to my loan modification application and legally wait for at least 45 days from the date of receiving a denial for the homeowner to respond to the denial. Active foreclosure sale date scheduled for XX/XX/2019 must be canceled immediately.
Product: Debt collection

XX/XX/2016 I paid off my credit card I was told if I did it would be removed off more credit report but has not. Its been two years and still nothing I called several times, to resolve it.
Product: Student loan

I took out {$39000.00} of Perkins Loans in XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX School to get a XXXX XXXX with a XXXX Certification and a XXXX XXXX XXXX Certification. At no time did my school financial aid office or my lender inform me that I would qualify for the Public Service Loan Forgiveness ( PSLF ) program that went into law in XX/XX/XXXX. I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During my exit interview with the school 's financial aid department, I was advised to consolidate into Stafford and PLUS loans and defer my loans until I started XXXX in XX/XX/XXXX, but was not advised on the proper type of consolidation that would allow me to benefit from PSLF, even though I was attending a program to prepare me to XXXX in the exact schools the PSFL was designed to serve. My current loans are now near {$70000.00}. My loans were serviced by Granite State/XXXX. At no time during the original consolidation was I informed that I qualified for the PSLF program. Shortly after my first year of XXXX, I had difficulty making my full loan payments. Granite State/XXXX advised that I put my loans into the Income Sensitive Repayment Option in order to make payments that covered accrued interest and no principal. Again, I was not informed that PSLF was an option, even though I had to report my occupation and type of employer for the ISRO. I taught for XX/XX/XXXX full school year, ( making 12 payments that would have qualified for PSLF ) then needed to take a medical leave for XX/XX/XXXX taking a medical deferment for 9 months. I taught the XX/XX/XXXX school year. Again, I was not able to make my full Stafford Loan payments. This time Granite State/ XXXX advised me to put my loans into the Federal Family Education Loan Program ( FFELP ) making 12 payments that should have qualified for PSLF.. Again, I was not advised that I was a candidate for PSLF. I was not able to XXXX for the XX/XX/XXXX school year, but did make FFELP payments to cover interest rather than return to medical deferment. I have now XXXX 5 consecutive years for XXXX XXXX XXXX XXXX in various positions that have all qualified for PSLF. I found out about the Public Service loan Forgiveness program from a coworker ( Who had graduated when I did and had made 7 years of qualifying payments toward the 10 year program ) I attempted to apply for PSLF in XX/XX/XXXX. My application was denied because my loans were not consolidated into the FEDLoans program correctly. My consolidation was not properly recognized until XX/XX/XXXX. Because my school and lender did not inform me of the PSLF and because of the delay in Granite State/XXXX properly consolidating my loans, I currently have 16 qualifying payments out of the 120 qualifying payments needed to complete the PSLF program. Had I been properly advised, I calculate that I could have made 84 qualifying payments by now.
Product: Debt collection

I was notified from credit monitoring service XXXX XXXX  that I had a new credit report inquiry from XXXXXXXX XXXX. I went into my local bank branch to notify them that this was not initiated by me and was fraud. XXXX XXXX knew about the fraudulent application for credit and already flagged it for address and information mismatch. They instructed me to file a new FTC report ( I Already have one from my original identity theft case years ago ) explaining the new findings and to check my credit reports and look for any other issues. Upon reviewing my Credit Bureau reports I was informed of several fraudulent inquiries and a Fraudulent file going by the same Calvary Portfolio. I have no idea who they are as I never had an account with or for Calvary Portfolio. Calvary Portfolio also has been calling my phone several times a day creating quite a nuisance especially since I just got out oXXXX XXXX and a XXXX XXXX stay after enduring a severe bout of XXXX requiring XXXX XXXX XXXX just a few hours apart. This information has caused a lot of undeserved stress and drama in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account- XXXX Account NumberXXXX Account -XXXX XXXX Account NumberXXXX Account - XXXX XXXX XXXXXXXX Account Number-XXXX XXXX XXXXXXXX Account Number-XXXX XXXXXXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX Account NumberXXXX Account XXXX XXXX XXXX Account NumberXXXX Account -XXXX XXXX XXXX Account NumberXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Vehicle loan or lease

I make my car payments to One Main Financial and two months in a row they took a extra payment out of my checking account. The first time it happen was the end of XXXX the beginning of XXXX, I had spoke to a gentleman about setting up automatic payments starting in XXXX. Well instead of him setting them up to start on XX/XX/2021 he set the payment to start in XXXX. So after i made my payment at the end of XXXX they turned around and took a payment out my account on the XXXX of XXXX, when i called them and told them what they had did they did not want to send my payment back, In which i needed since i live off of VA Benefits and Social Security. Well about time they decided to return the extra payment i was over a negative {$500.00} in my bank account and they also took {$130.00} out of my savings account.to pay for bills that where coming through my auto pay. So after that happened i told them i didn't want to do the ach payments anymore. Well come the end of XXXX, beginning of XXXX it happened again after i told them i did not want them going into my account again. This was after i had told them not to go into my account again, so i ended up in the negative again in my bake account the next time my check went in, The bank gave me a credit for that payment and One Main refused to give the money back even though i sent them a bank statement showing they too two payments out. But this time they refuse to pay me back my money even though i was owed the money back by One Main, and they also refused to pay my bank back also, so come XXXX the back took there money back out of my account and i ended up going into the negative {$390.00} before my VA check could go into my account. So now they are saying that i am three payments behind and they are taking payments that i paid and moving them around as if i had not made the payments. They went into my account without my permission and then they did not and have not given my money back, and so in between all of that i have been in the negative three times and i have had {$260.00} come out my savings account and the money that i was in the negative when my check went in my account on three separate occasions and i did not have all the fees returned to me either. Then before it is even time for me to make my payments they are calling me saying they are trying to collect a debt and they have sent me at least two different totals i am suppose to owe and they never once sent me anything saying what months i was suppose to not have paid my bill. When i went into the office i pay for my payments the manager there was very rude and did not try and help me at all, I had to file a complaint on him with his company on XX/XX/2021 and will i was talking to someone from there Corporate Office, the sales associate could see the complaint i filed going through. I have a lot of health issues and i am in the XXXX XXXX a lot and i have a child i that also has health issues. So to have to deal with all of this all the time it has started making me fill sick every day, and it has also taken away from me providing for my daughter or me properly.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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  Legal Basis for My Request TThese inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Money transfer, virtual currency, or money service

i tried to find out why the company was always charging me for remittances i never did. i just discovered it last XX/XX/2021, because i didn't have time to verify charges that were being done by this company as i got XXXX while in the XXXX, and more so the wifi system in the XXXX was inefficient. as soon as i reach america on XX/XX/XXXX, i iinvestigated and discovered that the company has charged me every now and then for a remittance that was never initiated. the amount taken from my XXXX XXXX XXXX  amounted to {$49000.00} for the whole year of XXXX i reported the scam to my bank, XXXX XXXX XXXX XXXX but the bank seems to be knowing the scam. the investigator reported to me that on their end, they knew only $ XXXX were scammed because some details could not be verified. then suddenly, XXXX XXXX XXXX changed tune, and said that they can only charge back aeround $ XXXX because i discovered late that scam that was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX