23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Dispute of Charge-Off Reported by Nordstrom/TD Bank USA SSN ( last 4 digits ) : XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX Dear XXXX XXXX XXXX  Department, I am writing to formally dispute an entry on my credit report regarding a charge-off reported by Nordstrom/ TD Bank USA. Under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and provide verification of the accuracy of the charge-off. Specifically, I am requesting the following : XXXX. Detailed Payment History Please provide the detailed payment history for the account, including all payments, adjustments, fees, and any changes to the account balance. 

XXXX. Original Agreement or Contract Please provide the original agreement or contract that validates this account, including the terms, conditions, and any amendments or updates to the original agreement. 

XXXX. Evidence of Compliance with Charge-Off Procedures Please provide evidence of compliance with the charge-off procedures as outlined in the applicable regulations and Nordstrom/TD Bank 's internal policies . This includes proof of notification ( such as letters or communications ) sent to me regarding the charge-off, as well as any documentation showing that the charge-off was processed according to industry standards.

The charge-off listed by Nordstrom/ TD Bank USA appears to be inaccurate because the charge off date the information being reported on my credit report indicates a charge-off status beyond the correct date, which I believe is both misleading and inaccurate.

If the furnisher, Nordstrom/TD Bank USA , is unable to provide sufficient evidence to support the current reporting of this account, I respectfully request that XXXX delete or correct the erroneous information immediately to ensure that my credit report accurately reflects my credit history. 

Should XXXX fail to respond appropriately or resolve this matter within the time frame required by law, I will consider escalating my concerns by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I trust that XXXX will take the necessary steps to ensure full compliance with the Fair Credit Reporting Act and resolve this issue promptly. 

Please find enclosed the following document to support my dispute : A screenshot of my credit report showing multiple charge off dates from Nordstrom/TD Bank USA In accordance with the Fair Credit Reporting Act, I request that XXXX conduct a thorough investigation within 30 days and update my credit file accordingly if the information is found to be inaccurate. Please provide me with a copy of the results of your investigation once completed. 

I respectfully request that you confirm receipt of this letter and notify me of any actions taken. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit card

In XXXX, I was charged a {$550.00} annual fee for the year. In XXXX, Chase unexpectedly and without warning canceled my credit card while I was traveling, stranding me with no money. When I called, they said that my account was closed due to bank policy. They would not tell me what that meant and said I had to wait to get a letter in the mail a few weeks later, which was equally unhelpful. My account was completely irreversibly closed. The person in customer service on the phone informed me that since the account was closed that I didnt need to do anything further. After a while, I started to receive notices that I actually did owe money on the account, plus interest and late fees. I called Chase and they told me that because of what happened I would not have to pay the late fees or interest charges, and they obviously would not be charging me a {$550.00} annual fee for the year in which I did not have the card because they canceled it. Despite them having told me initially I wouldnt have to pay anything, I did then pay the {$7500.00} balance on the card so I would owe nothing and could be done with them. The only amount left on the account was the {$550.00} that they said would be refunded so my balance would show as XXXX within several business days. That did not happen. When I logged back into my account to confirm I had a XXXX dollar balance, I was now seeing the {$550.00}, plus additional interest of {$130.00}. When I called back, they told me they didnt have to do anything and that they would not be refunding me for the annual fee even though they canceled the card about eight weeks after I paid the fee for a full year. They also told me they would not be refunding me the interest theyre now charging me for that {$550.00}. They told me that I had to pay it, and that they would keep charging me late fees and interest if I didnt and said they would also report it to the credit reporting agencies. Please help me, I do not owe this money they told me and admitted I didnt owe it, and now they just tell me too bad and hang up on me when I call. They can not just charge me {$680.00} in the fee plus interest charges for a years worth of services that I paid for when they only gave me about eight weeks, and then ruin my credit when I try to dispute the injustice.
Product: Debt collection

I signed a contract for an off-grid PV system with a battery backup system with XXXX XXXX On XX/XX/2021 I signed a contract ( loan # XXXX ) with Mosaic to fund the {XXXX} project. As per the terms of my loan there is one disbursement of {XXXX} when the installation is 100 % completed. In CA it is illegal for a contractor to accept funds for work not done. My monthly payments start 90 days after the date the contractor shows evidence to Mosaic the installation is 100 % completed and I confirm the completion. 
I can not get a permit for the type of solar system I signed a contract for. Thus, XXXX  has never completed the installation of the system I signed a contract for. However, on XX/XX/2021 XXXX XXXX fraudulently and illegally told Mosaic the project was 100 % complete. I was never contacted. Mosaic paid XXXX {XXXX}. When I was alerted that it was time to start paying the loan, I contacted Mosaic since clearly there was a big mistake. I dont have a permit, let alone a completed system, why am I paying for this as if it is completed? 
Since XX/XX/2021 I have been trying to get Mosaic to cancel this loan considering I dont have the system the loan is for. When I call Mosaic they start a cancellation case. XXXX XXXX then has 21 business days to contact them and either confirm the install isnt complete or to lie and say the project is ongoing ( which right there shows they lied earlier when they said the project was 100 % complete to get paid right?!?! ). I am on my 5th cancellation case. Each time XXXX calls Mosaic, lies and Mosaic then dismisses the cancellation without even contacting me. Even though I have told them XXXX is lying and shown them proof including the permit denial they still accept XXXX claim that the project is just fine. Why is this so hard for them to understand? I have rescinded the contract with XXXX and I am now in talks with the Contractors State Licensing Board because XXXX has committed quite a few illegalities. I got a voicemail from XXXX  ( my first correspondence with them on the project since XXXX ) stating they would sent paperwork so they can remove whatever items they have left here from my property. Clearly that should show the contract is null and void and the system will not be completed. However, XXXX will not tell Mosaic that because then they will have to give back the money. Do I just have to pay {XXXX} for nothing? I cant afford an attorney. I would like to shut the autopay off because I cant afford it ( my husband is now XXXX ) but if I do my credit will get ruined. This is a loose loose situation and after 6 months I havent gotten anywhere.
Product: Debt collection

Company Names : XXXX XXXX XXXX American Profit Recovery , Inc . 
Summary of Complaint : XXXX XXXX sent a debt I did not owe into Debt Collections with American Profit Recovery , Inc . I do not have the original copy of the collections notice, but I do have the Debt Dispute Reference # XXXX with American Profit Recovery. 

I am disputing an alleged debt that was improperly sent to collections by XXXX XXXX and is now being pursued by American Profit Recovery , Inc., this complaint is in regards to both companies not being responsive. Despite my formal written dispute sent on XX/XX/XXXX XXXX, and a follow-up email sent to both parties on XX/XX/XXXXXXXX XXXX, neither company has provided any response, acknowledgment, or legally required documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt is unsubstantiated and directly conflicts with written confirmation I received from XXXX XXXX ' representative, XXXX XXXX, stating that my final invoices were waived. 

Despite multiple requests for documentation, including a breakdown of the alleged {$4600.00} balance, proof of invoicing after XX/XX/XXXX, and a complete payment history, I have received no response from either party. 

Their failure to respond constitutes a violation of the FDCPA, and they have continued to damage my business reputation by reporting an unsubstantiated debt. I am requesting immediate assistance from the CFPB to : Investigate this matter. 
Require XXXX XXXX and American Profit Recovery to provide full debt validation documentation. 
Ensure that any inaccurate reporting is corrected. 
Impose penalties if violations of the FDCPA are confirmed. 
I have attached supporting documentation, including email correspondence, prior invoices, payment records, and my formal dispute letters.
Product: Debt collection

I have had disputed this account earlier and the account is nit mine. This is illegal to report this account again on my credit report since it was never belong to me. I have a good standing credit history and I always pay all my accounts on time. 
You re the only XXXX bureau who reporting this negative information. Another XXXX bureaus are clean ant positive! This is not legal XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX date opened XX/XX/2023 There is no way it was opened at this time and I have never had any service with them. By the law you cant report any accounts if its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of XXXX data breach. I want to delete all unknown and inaccurate account or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access credit reports online through XXXX  and transunion. In addition to that unable to do online disputes.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted to pay off a personal loan from Santander Bank. ( I verified when signing for the loan that there were no early payment penalties. ) I refinanced my mortgage to pay off this loan. Since a payment was due close to the time that I was closing ( XX/XX/XXXX ), I canceled the autopay. Then my closing was delayed from XX/XX/XXXX to XX/XX/XXXX because I got XXXX and was so sick with fever, headache, and no voice that I couldn't even communicate with anyone from Santander. When my mortgage sent me the check to pay off the amount on the account {$10000.00}, I sent the check overnight. When talking to Santander on XX/XX/2024, they told me that they were adding fees daily. ( At that point, they had already added {$170.00} for unpaid interest since XX/XX/XXXX. ) Today when I called to see why the check was not applied to the account, they said that it would take a few more days to apply it. They ( XXXX from customer service ) also said that the interest would still accrue. I paid the {$35.00} late fee, but when I mentioned predatory lending practices, they put me on hold and didn't come back. After being on the phone from XXXX XXXX  ET, I disconnected and began this complaint. 

The XXXX attachments are the account information at the time the {$10000.00} check arrived at their place of business on XX/XX/2024. The second is the account information on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained to your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts than please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted.
Product: Checking or savings account

Deposited a check. They held check for 10 days because they couldnt verify the phone number associated with check issuer. This caused me many over drafts and bills to be paid late including my mortgage. They received the funds on XXXX and will not release them to me.
Product: Student loan

I am on an income-driven repayment plan for my federal loans. When repayment started, my first monthly statement specified a payment amount of {$96.00}. I paid {$140.00}. 

My second monthly statement specified a minimum payment of {$220.00}. 

Meanwhile, even after paying the {$140.00} ( which was an overpayment ), my total loan balance went up by {$450.00} from {$130000.00} to {$130000.00}. 

I called and spoke to someone in XXXX, and that person indicated that Advantage would send me a letter explaining everything. That letter never arrived. 

No one at Aidvantage can tell me : ( 1 ) why my monthly payment is changing, ( 2 ) how my monthly payment is calculated, or ( 3 ) why making my monthly payment still results in my balance increasing.
Product: Student loan

I was with Sallie Mae, then with Navient, not by choice. I have for two years now had to have my husband file Injured Spouse form as Navient keeps trying to take HIS refund. I do not work. This company took my ability to manage my loans online, completely removing any access I had, even while I was in distress on my loans. They extort money from my husband and make us WAIT for months after filling out this IS form from the IRS. 
They have RUINED my credit score, even as I tried to keep my loans in forbearance and out of collections, as of today, i can't pull my free credit report at all.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed XXXX {$330.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX
Product: Credit card

XXXX - If a user logs into the Bank of America website a 'splash ' page will pop up asking if the user wants to switch to paperless billing. If the user closes this 'splash ' page without choosing yes or no the system automatically switches the user to paperless billing. 

I have been a credit card customer of Bank of America for 21 years and have never had a late payment. I was informed that I had a late payment in the fall of XXXX. It turns out that I was unknowingly switched to paperless statements/billing and the statements were going to my email spam folder. 

I contacted Bank of America with a goodwill letter asking for a one time forgiveness because of this situation. I received a phone call and was told that because of the CFPB they could not give one time forgiveness of late payments. I asked about when I was switched to paperless and they said I would be contacted. 

I was contacted by XXXX XXXX - Executive Offices Client Care Team - to be informed of when I switched to paperless. He stated that there is a 'splash ' window when you login to the online site asking if you want to switch to paperless statements. If you 'X ' out of the XXXX ' window without choosing yes or no- the system automatically switches you to paperless. This is direct evidence that I was probably switched to paperless without actively choosing to. I would not have actively chose paperless because again, in 21 years of banking with BoA - I have never wanted paperless billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ( date issued XXXX file # XXXX ) has violated the FCRA by reinserting XXXX XXXX XXXX XXXX XXXX XXXX back onto my credit report without the 5-day notice. 

I was not notified as a consumer with a written notification within the 5 business days. This is against the FCRA. 

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

I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit  reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am angered by the Credit Bureaus indifference with regards to my disputes. I have been sending multiple letters addressed to the Credit Bureaus and the last letter I sent to the Credit Bureaus was on XX/XX/XXXX with complete attachments of my Personal information. But despite all my efforts to correct my Credit File, the Credit Bureaus have been ignoring the letters I sent as well as have been neglecting their responsibility to comply with the FCRA section 605b and continued reporting the fraudulent accounts on my Credit File. I am now submitting this complaint to request another investigation and have the items removed completely from my Credit File. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I requited debt validation and they reported that I owned the debt, however there was no information on how they determined that I owned the debt and when I disputed it with XXXX they gave no information on how they determined if I owned the debt. Also in light of the law suit by CFPB I do not trust the investigation process of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Letter Pursuant to 15 U.S. Code 1681o ( Fair Credit Reporting Act ) Dear Equifax, I am writing to formally dispute the inaccurate information and negligence regarding my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681o. As outlined in the FCRA, entities have a duty to ensure the accuracy and integrity of consumer information, and the failure to comply constitutes negligence.

The inaccuracies in my report have caused harm and inconvenience, and I believe this negligence warrants immediate rectification. Below are the details of my complaint : Disputed Information Name : XXXX XXXX XXXX Address : XXXX River XXXX XXXX, XXXX, GA XXXX Social Security Ending : XXXX Date of Birth : XX/XX/XXXX Description of Inaccuracy : [ Provide specific details about the inaccurate information in your report, such as incorrect accounts, duplicate entries, outdated information, etc. ] Negligence and Harm The inaccuracies in my consumer report were due to a failure to exercise reasonable care, as required under the FCRA. This has resulted in [ specific harm, such as denied credit, higher interest rates, reputational damage, or emotional distress ]. 
Request for Resolution Pursuant to 15 U.S. Code 1681o, I am requesting the following : A full investigation into the inaccurate information in my report.

Immediate correction or removal of the inaccurate information.

Documentation of the steps taken to investigate and resolve the dispute.

Compensation for any damages caused by your negligence.

Please consider this letter as my formal dispute and demand for compliance under the FCRA. I expect a prompt response to this matter within the legally mandated timeframe of 30 days from the receipt of this correspondence.

If I do not receive a satisfactory resolution, I am prepared to pursue legal action to enforce my rights under the FCRA.

Thank you for your immediate attention to this matter. You may contact me directly at XXXX or XXXX XXXX if additional information is required. 
Sincerely, XXXX XXXX XXXX