23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX charged the amount of {$1100.00} on my American Express Credit card. This charge is fraud, made by the merchant without prior notification nor permission from myself nor the other card holder. 

We entered into a XXXX lease agreement with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX from XX/XX/XXXX XX/XX/XXXX. We returned the rental vehicles in XX/XX/XXXX and closed out the balance due before moving back to the United Stated. In XX/XX/XXXX, the charge of {$1100.00} was made without prior notification nor permission by XXXX XXXX, XXXX. This was XXXX ( XXXX ) months after the end of my lease agreement with XXXX, thus they no longer had Charge Authorization to process a payment on my card.

I submitted two separate charge disputes with American Express for this charge both of which they upheld the merchants ' claim. 

XX/XX/XXXX - XXXX charged American Express card without prior billing or notification. 
XX/XX/XXXX - Submitted dispute with American Express XX/XX/XXXX XXXX American Express denied the reverse charge request XX/XX/XXXX - Resubmitted the charge dispute with American Express XX/XX/XXXX XXXX American Express denied the reverse charge request
Product: Vehicle loan or lease

I leased a car from XXXX. Made all payments on time. Auto-pay. When the lease ended in XX/XX/year>, I turned the car into the local dealer. I had sold my house and moved during the lease term. The dealer asked me for my new address in case excess charges were due, which I provided. I never got any notices at my new address. I monitor my credit. A few months later a XXXX late and collection appeared for around {$1300.00}. I called XXXX immediately and they said we see the new address but the dealer never updated your address so we sent the notice out to your old address and we dont call customers. I was very frustrated and said thats completely unfair! I provided everything I was asked for and should have been notified. They basically said too bad. Nothing we can do. My credit is very important to me and my score has taken a XXXX point hit because they failed to communicate internally. I also retained a credit XXXX to assist as I just dont believe what happened is just. Please help. Thank you!!!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.

These are the following disputed items : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information. 


2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 

I trust that XXXX, Experian and XXXX will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe. 

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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit card

My Nordstrom store credit card payment is due every XXXX of the month and I have had it set up on auto pay since the end of XXXX ..every month {$70.00} is debited out of my account until I noticed on Monday XX/XX/XXXX a huge dip in my checking account. So I log into my online banking and noticed that Nordstrom debited my account on XX/XX/XXXX my entire statement balance of XXXX instead of the set auto pay of {$70.00}. So I called Nordstrom customer service and the representative says it looks like you called and made a payment, and I said, No I did not..that is not true. So she said to dispute the payment to contact Nordstroms Credit Card Service Department in a hour..So I called back, explained the discrepancy again, and this representative then said, well someone called in your payment on your behalf I asked who? The representative stated a caller with a XXXX phone number used the automated systemI literally said that makes no sense. I have never used an automated system or would need anyone to call in on my behalf to use my personal banking information to pay my account. The representative then told me she could put pin pass word on my account and reissue me a new card..so I established a pin password, which I still dont understand why. Then the representative directed me to further dispute getting my funds back by contacting my bank directly. Thats it. I later did a quick web search for illegal Nordstrom credit card payments and there is a thread on the website XXXX with about XXXX people experiencing what I m going through with Nordstrom, XXXX people even commented after me stating they were dealing with the same issue and Nordstrom gave them the same exact response. I feel robbed, and truly disappointed in what I thought was a top tier retailer who doesnt give a XXXX about their loyal customers I am attaching my statements showing my autodebits, some very recent public rants from other customers expressing their frustrations from various apps as well. I am not the only XXXX, but I need my money it was my way to visit my granddaughter and now that may be canceled if my bank doesnt honor the dispute and that process may go past the holiday.
Product: Checking or savings account

Wells Fargo kept taking money out of my account and kept having security issues. Ended up closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated several FCRA and 15 USC 1681 Laws. I sent Experian 2 letters for verification of debt and both times Experian responded with verified and updated. I next sent Experian a re-investigation letter and again Experian responded with verified and updated. I also sent Experian a Method of Verification letter. I did not receive a response from Experian. I next sent Experian a letter for Non-response. At the time of this complaint Experian has not responded to my letter of Non-response. Experian has violated the following Laws : 15 USC 1681i, 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ) ( B ), 1681i ( 5 ) ( A ) ( i ) ( ii ), 1681i ( a ) ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) and 1681i ( a ) ( 7 ). Also15 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. Here are the accounts Experian did not verify : XXXX XXXX XXXX  account number XXXX and XXXX account number XXXX. Also the statute of limitation on auto loan debt in the State of Colorado is 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was paid in full to the original creditor, XXXX. Credit collection services does not have the legal right to report this debt to the credit agencies- they are not even a licensed consumer collection agency in the state of Connecticut XXXX
Product: Credit reporting or other personal consumer reports

AssetCare LLC is furnishing a negative item via my consumer report which is causing harm to my financial reputation, my character, my credit worthiness and has caused me to be denied several extensions of consumer credit in which I can not enter into consumer credit transactions for personal, family, or household purposes. I have never given them permission to access any of my information. I received a letter in the mail from them stating that they bought my collection from XXXX XXXX XXXX and it has my private information like my name and address included. My privacy has been invaded because I never gave them my individual information and that is a violation of 15 U.S.C. 1692 ( a ). I have never gave them direct consent to communicate with me in any way in regards to this alleged debt and that is a violation of 15 U.S.C. 1692c ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : it also states a consumer reporting agency can not furnish account without my written Instructions.
Product: Debt collection

I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX/ {$1000.00} / XX/XX/2022
Product: Mortgage

This complaint is addressed to CFPB legal counsel XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and US attorney XXXX XXXX XXXX. Ocwen Loan Servicing ombudsmen XXXX XXXX XXXX and opposing counsel XXXX XXXX have ignored my cease and desist all communication demand I sent in the past. XXXX XXXX and XXXX XXXX have been harassing me and threatening me with embezzlement fraudulent trustee sale during pending litigation which forced me to be apply for assistance with the pretender lender loan servicer to stop the embezzlement fraudulent trustee sale until the court can hear my matter. The pretender lender loan servicer and opposing counsel Brain Pain who are both attempting to embezzle my property responded to my request for assistance. The pretender lender loan servicer approved the bogus manufactured modification to embezzle my home. On the manufactured embezzlement modification approval the documents indicate I have until XX/XX/2018to respond. I don't know why Ocwen Loan Servicing and opposing counsel XXXX XXXX are harassing my attorney sending emails when the manufactured embezzlement modification respond date is, XX/XX/2018. Totally incompetent people that can't read their own documents. I decline the pretender lender loan servicer embezzlement loan modification.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I got a call from ( a XXXX Area code number ) my electricity company ( XXXX XXXX XXXX ) the recoding stated that it was them and to talk to a representative press # 1. I pressed # 1 and they told me that my account was past due and I needed to pay ASAP before someone gets to my address ( which they said ) and cuts my electricity off they said someone was already on there way and I needed to send the money Now so me thinking about my family 4 kids and 2 under 2yrs I sent the money right away. Once I sent it and hung up the phone I called by electricity company scared that they were going to cut off my power and the representative proceeded to tell me that it wasnt them. I got on the phone with my bank made 3 different claims with Wells Fargo and at first when I called I told them everything so it had turned out when I called on XX/XX/XXXX they had to re do the claim because it was done wrong so XXXX helped and re did my claim. So I called back on XX/XX/XXXX and the representative from Wells Fargo tells me that they denied my claim and I have to deal with it in small claims I asked the representative to transfer me to a supervisor then she filed an investigation and told me someone would call me back and talk to me and no one ever did so I called today and I was on the phone for more than three hours being bounced back and forth to different departments and somebody that I talk to in the claims department told me I was wasting my time and that I wasnt gon na get anything so I asked her if I can talk to a supervisor and the supervisor told me that theres nothing that Wellsfargo can do even though I was scammed and forced to send this money. I do have all my claim and police report number and report number with XXXX  its self.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Mortgage

Loancare has not answered after being contacted in three emails. They have incorrectly calculated my Escrow balance and paid my positive balance incorrectly to the MPI insurer. All payments to MPI are set forever and never change. I had some shortfalls this year due to a few hundred dollar increase with insurance and XXXX more in property taxes. I understand that these were being paid back though escrow but when they were all paid off, Loancare decided they wanted to keep taking money from my POSITIVE escorw so they could calculate a FALSE shortfall for the next year. They took 800+ dollars from my escrow and gave it to my MPI provider. They never change they rate which is XXXX. Loancare gave them XXXX in one payment and drove my escrow negative. Then, they did their escrow review and came up with a false shortfall and increased my monthly payment by over 300 dollars. Total Incompetence..On top of all of that, they absolutely refuse to fix or answer any calls or emails to rectify the situation. 

I am so fed up with them that I am closing on a refinance in 10 days and they know this becuase the new { great company } has asked for the payoff. Now they wont answer me at all becuase they do not want to refund any of my positive escrow. They are making a last ditches play for anything they can get their hands on. 

I am filing a formal complaint with the cfpb because you guys are all the public has to make these behemoths listen to the little guy like me. I have attached the error so please have someone review this incorrect Escrow statement and make them play by the rules. I have never missed a payment and always played by the rules but they dont care. This company has slammed me with PMI, funky escrow practices, and zero customer service for the last time. My new loan company gave me a better rate, no MPI, and a TRUE appraisal so the good guys are out there. Its not Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Credit/ XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

Midland Credit Management , Inc ( MCM ) continues to send me " pre-legal '' notices threaten that they will refer my account to an attorney to take legal action. I have requested that they validate the debt and provide proof that they own the debt, but have not provide the require information.