23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.
Product: Money transfer, virtual currency, or money service

XXXX XXXX has changed their app security and is putting millions of customers at risk. There is a digital wallet on the app store that can easily be scammed now. The app permissions in app details has been removed and the only details regarding security come from the developer, which malicious app devs will lie about. This will lead to various scams. The supposed data safety is just whatever the app dev says and even the encryption is not verified, so anyone can lie and say they are storing in the best encryption while selling financial data hacked from the phone as we do not know permissions an app is using. Many malicious permissions can't even be disabled in settings, like run at startup and run in background. It is easy for XXXX to list these permissions as it is in the app manifest, and they obviously removed to try getting cautious users to download app with unnecessary permissions that may be malicious. 
Please force XXXX to add the permissions requested for an app to the app details in the XXXX XXXX
Product: Checking or savings account

I filed a claim with Wells Fargo because funds were taken out of my checking and credit card account. Wells Fargo used shady dishonest tactics to avoid my claim. Wells Fargo has many pending lawsuits because of shady banking businesses. I was recently contacted by a law firm who is subpoenaing me to testify against this shady bank. I have provided Wells Fargo with voice video recording evidence of a scammer who keeps calling me leaving me messages claiming he is an employee of Wells Fargo. As of today Wells Fargo failed to respond. Wells Fargo is intentionally ignoring my concerns because its a dishonest bank. I am attaching these voice recording messages as evidence. I am not being represented by an attorney at this time. I look forward to appearing in court to legally and lawfully bringing this XXXX XXXX XXXX crooked bank to justice. Please listen to voice recording attached.
Product: Credit card or prepaid card

This complaint is reference to # XXXX. 

XXXX XXXX stated that I haven't made payments for XX/XX/2022 to XX/XX/2022 which is not true. I have proof that payments was made and CBNA pull my credit report on XXXX XXXX. This company has not been reporting my payments correctly. Please remove this account from all credit bureaus due to inaccuracies.
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. 

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 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 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: Debt collection

Upon reviewing my recent credit report, I found multiple fraudulent accounts that appear to have been added without my consent.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam : We have been contacted by consumer XXXX XXXX XXXX XXXX above-referenced matter. In XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reported negative information regarding XXXX XXXX 's mortgage payment. This negative information resulted in your agency reducing XXXX XXXX XXXX XXXX by XXXX points. In XX/XX/XXXX, XXXX removed the negative information from XXXX XXXX 's file. 

Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Your agency must update his file and restore the XXXX points to his credit score. 

Please immediately re-evaluate XXXX XXXX 's XXXX XXXX in light of the removal of the negative information and restore the XXXX points back to his credit score.

Thank you for your cooperation with this request. Should you have any questions regarding the content of this letter, you may respond to our offices in writing to the address above. Please include the intake number XXXX on any correspondence. Should you wish to speak with me, please call XXXX. You will need to provide the intake number when you call so that the matter XXXX be properly routed to me. 

Very truly yours, XXXX XXXX For the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Route XXXX East, XXXX XXXX XXXX XXXX, NJ XXXX Telephone No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX  # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Student loan

I recently reviewed a copy of my credit report and noticed I had fruadulent accounts on my report, Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit card or prepaid card

Dear Sir or Maam, I am a XXXX XXXX XXXX who has a XXXX XXXX XXXX Veteran with a XXXX XXXX XXXX. After decades of using credit wisely and fulfilling all my obligations by having autopayments executed. I had to switch to minimum payments due to XXXX, divorce, and identity theft. 

XX/XX/XXXX, I was finally able to pay off my PenFed credit cards with a line of credit. Unfortunately, those accounts were closed XX/XX/XXXX. 

XX/XX/XXXX, I contacted PenFed customer service to reinstate the account. They suggested I reapply to open the account, which was a credit hit, I did reapply and then it was denied. 


Over the past 16 months I have had dozens of confusing conversations with Penfed representatives. 

XXXX XXXX, XXXX Pentagon Branch Office - Requested a hold on payments XXXX XXXX, XXXX to XXXX XXXX, XXXX : VA XXXX XXXX XXXX XXXX XXXX-present Pandemic XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Purchases XXXX XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Cash Advances XXXX XXXX XX/XX/XXXX XX/XX/XXXX CR. CARD PAYMENT XXXX VA XXXX ID : XXXX XXXX I am reaching out to the CFPB for assistance with Penfed customer service. 
I respectfully request the 2 accounts be reopened with a {$10000.00} and {$25000.00} line ( s ) of credit. I further request all points/rewards reinstated on the cash back rewards card. I also request the {$500.00} overdraft be reinstated. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX cell Pen Fed XXXX XXXX, XXXX Penfed XXXX XXXX, XXXX ( 2 ) Penfed XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WIth these inquiries we had never came to terms and have no debt with the lenders, Had I known the terms submitted by the lender we would have never submitted a credit application, These are the following inquiries XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

To Whom It May Concern : I am formally writing in grievance to collection activities regarding the alleged debt reported by Credit Collection Services : Recently, I reviewed my consumer report to discover an account placed on my consumer report by Credit Collection Services. After viewing, it has come to my attention that several violations of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), have occurred by this organization against my consumer rights.

First and foremost, Credit Collection Services did not provide the required validation information per 12 CFR 1006.34 ( b ) ( 5 ) before reporting the collection account, undermining my consumer rights.

Additionally, I was not given an opportunity to dispute the alleged account in line with 12 CFR 1006.34 ( c ) ( i ), under FDCPA regulations ( noted to be a deceptive practice ).

Credit Collection Services failed to provide necessary disclosures before furnishing account information to consumer reporting agencies as required by 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ).

It is my request to please address these issues promptly to resolve the discrepancies and uphold my consumer rights.

1. I hereby revoke any authorization for communication via email, text, or phone calls under the FDCPA.

2. Immediately suspend all collection actions related to the alleged debt pending investigation.

3. Provide validation per 15 U.S.C. 1692g, including the original creditor 's purchase agreement. 

Thank you for your attention to this matter. 

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

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 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 XXXX It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 Personal Information : does not list my current 2 employments as stated before. I have attach proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX please delete this account XXXX XXXX XXXX XXXX please delete this account I have no knowledge of it. 

XXXX XXXX XXXX XXXX please remove all these accounts. I have no knowledge of them.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. I have identified the following issues : XXXX. Inconsistent Account Details Across Credit Bureaus : Account Type Detail : TransUnion and XXXX report Auto Loan. 
XXXX reports Recreational merchandise, which is inconsistent with the other bureaus. 
No. of Months ( Terms ) : TransUnion reports 85 months. 
XXXX reports 72 months. 
XXXX reports 0 months. These discrepancies may lead to confusion for lenders reviewing the report. 
XXXX. Improper Reporting of Account Status : XXXX shows a last reported date of XX/XX/XXXX, while TransUnion and XXXX both show XX/XX/XXXXXXXX  Such inconsistencies indicate a lack of synchronization and proper updates across bureaus. 
XXXX. Contradictory Payment History : All bureaus list the account as Closed or Paid with a {$0.00} balance, yet the payment history includes several 30-day late marks. If the account is resolved and paid in full, late payments should no longer appear unless they were valid and verified. 
XXXX. Equifaxs Misleading Comments : XXXX adds Closed or paid account/zero balance alongside Recreational merchandise, which differs from the comments on TransUnion ( Closed ) and XXXX ( blank ). This inconsistency could mislead creditors. 
XXXX. Failure to Update or Resolve Disputes : If disputes were filed previously and no corrections were made, this may indicate improper investigation and resolution by the credit reporting agencies.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in account type, terms, and status violate this requirement. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes were submitted and the inaccuracies remain unresolved, this reflects a failure to investigate properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting inconsistent or incorrect details, violating the requirement to provide accurate information. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments may be improperly retained, especially if they occurred more than seven years ago or are unverifiable.
Product: Credit reporting

Experian is the only credit report that is reporting XXXX accounts with XXXX that should not be on there. I have disputed this account with the other bureaus and it was deleted. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX These accounts were not verifiable through the FCRA and not validated by the FDCPA & gt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

I have had repeated issues endeavoring to obtain a loan modification from Wells Fargo, with my having remitted the last XXXX months payments in good faith, all of which were accepted by Wells Fargo, though apparently I was denied for a loan modification. To further compound the matter, they indicated on their website relative to my actual loan that I was " pre approved '' for a loan modification. Upon calling today, I was told they knew nothing of what they inputted. Not only strange conduct, but frankly it amounts to intentional or at least negligent infliction of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed several federal violations against me, a Private law abiding Federally Protected Consumer and are liable under Federal Law. I have been denied Consumer credit transaction due to false and harming information being furnished on my consumer report. My information was also obtained in an Equifax data breach which resulted in identity theft. I have sent my enforcement action, affidavit of truth, identity theft report, and exhibits on how the law was violated.I have also been harassed by debt collectors attempting to collect a alleged debt.

Equifax has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act of 2010 by Engaging in acts and practices that caused additional harm or risk of harm to consumers in response to the breach. Equifax has also Failed to provide reasonable security for the massive quantities of sensitive personal information stored within its computer network, causing substantial injury to my data which was stolen.
Product: Mortgage

my husband and I are having hardship now we are two payments behind on our payments aand Selene finance wants us to pay over a thousand dollars and XX/XX/XXXX payment of XXXX and tis is not possable for us, we also found out that they have our loan now as being over XXXX after all 19 yrs, we started out in 1997 with only XXXX Ica n't understand how they did this to us. please try and help, thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

The lease is for an XXXX and issue is at end of lease last payment of {$310.00}. At the end of the 36 month lease I turned the car to XXXX XXXX  XXXX XXXX XXXX XXXX is also a XXXX dealer. On XX/XX/XXXX XXXX XXXX sent the last payment for XXXX XXXX XXXX for my last month lease paymentto XXXX. XXXX case check was cashed on XX/XX/XXXX by XXXX. On XX/XX/XXXX my lease paymnet was sent to XXXX because it was on auto pay so the payment also went thru. Therefore the last payment was paid twice but XXXX does not show both payments received. Since then I have spoken to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to have them look for the XXXX last payments ( that means XXXX extra payment was sent to XXXX ). No matter how many times I sent a copy of both checks, XXXX did not find it and finally sent me to a collection agency. 

XXXX collection agencies have contacted me on this alledged debt. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( I understand that is illegal for XXXX companies collecting on the same debt. 

XXXX XXXX XXXX I have sent them the copies of both check via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX the only thing I get back from them is a copy of the lease and a statement that shows XXXX balance due yet they still want to collect {$310.00} My credit score is being affected because XXXX is showimg me as over 24 months late.
Product: Credit reporting or other personal consumer reports

These inquiries are unfamiliar to me and I have no ties to the listed creditors. Please remove them from my credit report as soon as possible. 
XX/XX/XXXX Date of inquiry : XX/XX/scrub>XX/XX/XXXX Date of inquiry : XX/XX/year> XX/XX/XXXX Date of inquiry : XX/XX/year>