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

1 ) Purchased 2 items online from Nordstrom on XX/XX/XXXX XXXX Order # XXXX 2 ) Never received items and actually forgot I had made the purchase. 
3 ) Received a call from Nordstrom on XX/XX/XXXX  reminding me to make a payment on my credit card before I incurred a late fee. I could not remember making a purchase and told them I would research and call them back. 
4 ) I researched the purchase and found some emails about the purchase in my SPAM folder. I went online and tracked the package on the XXXX website and found the following : Your shipment XXXX Delivered On Saturday, XX/XX/XXXX at XXXX XXXX at Front Door 5 ) Called Nordstrom Card Services and told them I never rec 'd the package. They told me I would have to speak with XXXX as they could not assist me. 
6 ) I chatted with XXXX and basically was told I waited to long to report the missing items, which I didn't realize were missing until XX/XX/, and I would have to file a police report and try to get my insurance to reimburse me. 
7 ) I filed a dispute with XXXX on XX/XX/. 
8 ) I received another call from Nordstrom Card Services on XX/XX/XXXX  and explained the situation and was told they would do some additional research and see if they could help because I should not have to pay for something I did not receive. 
9 ) Nordstrom responded on XX/XX/ and stated their reporting was correct. 
10 ) I filed a claim with XXXX but have not heard from them. 
11 ) Nordstrom flagged my account as 30 days past due on XX/XX/ and my credit score dropped 93 points!
Product: Credit reporting or other personal consumer reports

I have disputed child support from Equifax, XXXX and XXXX about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXXXXXX XXXX I'm almost XXXX.
Product: Debt collection

XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$200.00} I reached out to the companies. Due to these reporting Im unable to get a mortgage and Im living with my mother
Product: Vehicle loan or lease

I received a letter from Chase Auto Finance to advise me that I received a refund for title and registration fees ( they financed my 2017 XXXX XXXX ). Unfortunately, the letter was very vague and Chase didn't tell me how much the refund was for, so upon I calling Chase Auto Finance, the representative said that two checks were mailed out to me as follows : Check # XXXX for {$140.00} and Check # XXXX for {$1300.00}. However, I have yet to receive any checks. I have called a few times to Chase and they keep saying that they are still investigating the issue. Please note : that I have yet to receive my new registration paperwork also.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I wrote to XXXX, XXXX and Transunion asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX University -XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
Product: Vehicle loan or lease

I have tried to report this countless time THIS IS NOT MY DEBT AND IT NEEDS TO BE REMOVED. I dont even finance a car. I purchased my car cash. If this is not remove Ill be filling an attorney general claim and pursuing legal actions. I HAVE NEVER PURCHASED A LOAN FROM THIS COMPANY. Not to mention this company has never reached out to me regarding this matter. I dont not under any circumstances wish to communicate with this company. I only wish for this to be removed from my credit report. Most of all it is showing as open WHEN I AM NOT IN POSSESSION OF THIS VEHICLE. Like they havent even reported it for collections. Its been 5 or 6 years of going back and forth. Im extremely exhausted. This has to be the absolute worst experience of my life. How can you still information and allow shady dealership to obtain loan for cars people do not have. THIS IS INSANE
Product: Mortgage

On three separate occasions I have requested documents from my servicer through email. I have requested all original documents pertaining to my loan with my signature on it. Each time that I have requested the documents they acknowledged receipt of the request, but they have not followed up on the request at all. I do have email confirmation of the request and the receipt of the request. The first request was made on XXXX XXXX, 2017 and they acknowledged receipt on the same day. On XXXX XXXX, 2017 they responded and basically said send my loan number, as if they could n't get it from my email address. I sent my loan number back that same day, and have yet to hear from them regarding this issue. On XX/XX/XXXX, I sent another request and told them they had 30 days to comply or tell me they need more time in which they had 60 days. Now here it is the XXXX of XXXX, 2017 and they have yet to respond. PLEASE HELP
Product: Checking or savings account

Terrifying that your bank can make YOU the victim of theft and fraud! On XXXX XXXX my car was burglarized, and I lost my purse and all of its contents. I had TWO Wells Fargo debit cards, a Wells Fargo credit card, and Wells Fargo checks stolen. I was on the phone, and reported my things stolen to the bank within 45 minutes of finding out. I was told that my account was safe, and that I had nothing to worry about as my new cards were on the way. Well, I was NOT. My checks were NEVER cancelled by the agent, and my account was NOT transferred. Fast forward to XX/XX/XXXX, when the criminals that stole my things were able to walk into Wells Fargo and deposit FOUR bad checks into my account- totaling {$17000.00}. Ultimately, these checks bounced and although I followed ALL protocol, my claims for the fraud were denied. I have filed police reports, detectives at my beck and call ready to vouch for me- all of the evidence in the world to support my case. The CRAZIEST part is that not one single Wells Fargo employee OR branch member can tell me WHERE these checks were deposited so that I can have the policy retrieve the valuable video evidence. So, not only are you refusing to give my " protected '' money back- you XXXX to tell me where these checks were deposited so that I can further prove my story. No one even had the decency to reach out to me, even though I've begged for someone to call. All I get sent to me are letters in the mail stating my claim was denied. I've been into branches, I've spent hours on the phone with the bank, and all I've gotten was a {$10000.00} credit. IM STILL MISSING {$7700.00}!!!! The bank is now completely unresponsive. I'm closing my accounts, and filing every single possible complaint out there. This company has SEVERELY failed my family- and after 13 years I'm done. GET YOUR MONEY OUT OF THIS BANK. THEY DO NOT PROTECT THEIR CUSTOMERS.
Product: Credit card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Card plan as late for any purpose.
Product: Checking or savings account

Denied a debit card due to unauthorized transactions from predatory merchants
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From XXXX, XXXX XXXX Equifax. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From XXXX, XXXX XXXX Equifax Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter serves as a formal complaint regarding your disregard for my previous request and failure to uphold adequate procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. Credit reporting regulations dictate that bureaus should only report credit information that is 100 % accurate, and every effort must be made to ensure the reported information is entirely correct. 

Please refer to my previous correspondence for the details that require further investigation. 



XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT Under Section 611 of the FCRA, credit bureaus are required to investigate and correct any inaccurate or unauthorized information on my credit report within 30 days. Given that the stipulated time has passed without resolution, I am requesting the immediate removal of these unauthorized inquiries from my credit report. 



Furthermore, under Section 604 of the FCRA, these hard inquiries could only have been conducted with my express authorization, which was never granted. Therefore, I insist that you, as a credit bureau, take the necessary steps to remove these records. 


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

I have disputed 2 accounts numerous times that say current payment status is " in collections/charge off and account status is derogatory. Both accounts are paid off, transition refuses to correct it yet on full credit report it shows the negative info but in account section it doesn't. It shows paid. I have tried for over a year and a half to get this corrected and they are telling me I am wrong that it had been verified. XXXX XXXX  XXXX  was paid in full well before it became a charge off and XXXX XXXX  was also paid. Neither account is still in collections or a charge off. All three credit bureaus show the negative info and neither the bureaus or lenders seem to care to change it. It has dramatically affected my interest rates as well as score since it shows as a derogatory account. XXXX XXXX agreed to remove this from my reports if I paid in full yet still won't do it. Equivalent is also reporting that there is still 100 % of loan to pay off when it is completely paid off
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX received a personal loan from huntington bank and the loan manager offered me a life protection insurance to protect us if one of us was killed. He asked if I had any diseases and told him had XXXX XXXX and he then gave me the insurance protection for my life for duration of loan as part of the loan. we thought we had life insurance coverage for the loan of XXXX as part of loan. on record date XX/XX/XXXX was sent a notice from huntington with another offer for life insurance/XXXX to cover the loan amount of XXXX we called the loan manager and was told we had the life insurance coverage and no need to complete unless we wanted XXXX insurance as both life insurances would not pay for the loan but each 1/2 if should die. unfortunately end XX/XX/XXXX my husband passed as a result of a XXXX XXXX and an extended delay from XXXX XXXX XXXX. asked for the process of the claim and was told they would not honor the claim as we had misrepresented my husbands health condition 2 years prior to us applying for loan and offered the life coverage. we had not done so. my husband did have XXXX XXXX and we revealed this to loan manager. applied for loan to be covered by the insurance on XX/XX/XXXX case # XXXX now called XXXX XXXX life claim. on XX/XX/XXXX they sent out a denial stating that he was not eligible for the protection when he applied although we had paid almost 3 years in premiums. the denial was because we signed a form saying my husband had none of the following in past 2 years. " during the past 2 years have you been treated for, or been told you have a XXXX XXXX or XXXX XXXX ; XXXX or XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) or XXXX related XXXX XXXX XXXX XXXX ( XXXX )? '' as his spouse and do believe his physicians would have answered this question as no on XX/XX/XXXX if it had been read to us which it was n't. he had XXXX in XX/XX/XXXX and had a XXXX shut down at time and few follow-up appointments for awhile to make sure no problems and the functions improved and he had no XXXX problems. he had some XXXX problems and they state dr. coded as XXXX but he received no treatment for XXXX before entering XXXX as result of XXXX XXXX and all XXXX XXXX XXXX XXXX for the injury. the plan analyst was contacted to try and resolve this as my husbands death was result of an accident not disease but they stated di n't matter as he was not eligible for the coverage. the plan say that this is not an insurance product as was filing with insurance department and the plan analyst sort of taunted there was no regulation of this product. this appears to me as a way for the bank to make money off customers with no payout. feel this is wrong.
Product: Debt collection

This company has contacted people I havent spoken to in over a decade and has told them I have debt with Harley Davidson Financial services. I recently met with someone I havent seen since 2013 and she asked why they were reaching out to her about debt. This is absolutely ridiculous and illegal. After my previous complaint, I received another call. I told this gentlemen that their completely unprofessional behavior is unacceptable. I told them Im working with debt consolidation to resolve all my Covid related debts, but at this point they are being moved to the absolute bottom of the list and if they sue for their property I will be filing bankruptcy. Absolutely nothing was done last time, and if they had even the slightest amount of precessionalism I could tell them where the bike was last seen. However since they want to act like school yard bullies they can go ahead and find it themselves. If they discharge the debt I will tell them where I last saw the bike, if not, they can find it themselves. After their last call where I tried to explain this, I was spoken over so I hung up. Then my wife was immediately harassed less than 5 minutes ago. I have other debtors with higher balances that need being paid off first. If Harley wants to continue these unethical practices I will just file bankruptcy as this is unacceptable and is impacting our day to day lives.
Product: Debt collection

XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. 

On XXXX XXXX, XXXX reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and XXXX Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, XXXX  removed the collection action from my credit report. 

XX/XX/XXXX, Convergent Outsourcing now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, Convergent now XXXX  before. I've disputed with Convergent and they have not provided detailed billing and debt information as requested, and XXXX  did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. 

This looks and feels predatory and/or fraudulent in practice. 

With that said, my son was attending the University  XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, XXXX  dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by XXXX was removed. Months later, I get a notice that Convergent Outsourcing is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to XXXX  I have no idea, but it seems " fishy, '' and predatory to me in my experience. 

I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. 

I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with XXXX. 

Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, my credit report had an unpaid collections report from Hunter Warfield Inc. XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. They state that I owed XXXX. I have told them and the XXXX that they bought the account from ( XXXX XXXX ) that I have never had any business interactions with XXXX XXXX. I invited XXXX XXXX to send the information to me by mail and they refused to do so. I also invited Hunter Warfield to send the information to me by mail and they also have failed to do so. Because of Consumer Fraud risk, I do n't give out personal information on the phone nor do I pay a bill just because someone thinks that I owe it. Engaging one in a conversation about a nonexistent bill is a perfect way to get personal information from one who is unsuspecting. I told XXXX XXXX to send the information to me in the mail approx. 10 times. To date I have received no information. To my knowledge I have never interacted with them for any purpose let alone a business purpose. If they or Hunter Warfield, Inc have sent information to you indicating that I owe them money, I fear that this is fraudulent since I have never been sent documentation showing that I owe them money. Please have this item removed from my credit report ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.
Product: Payday loan, title loan, or personal loan

I had a loan with Speedy Cash back in XXXX, I have been working with a credit repair company and the account was in dispute, and have had no commination with this company since XXXX. Ad Astra RecXXXX created a digital check dated for XXXX in the amount of XXXX and deposited a the fraudulent check into my account as if I just wrote the check. My bank did not honor due to NFS, however, once my bank found out where and how the check was submitted they opened a fraud case. I want to file a complaint on Speedy Cash DBA Ad Astra RecXXXX  for creating and submitting a fraudulent check that I did not authorize nor singed into my account when I have not communicated with this company since XXXX, and without a court order or any other action that should be taken prior creating and submitting a check that I did not authorize. I have also file a complaint with the Ohio Attorney General office. I did not authorize nor sign a check dated XX/XX/XXXX for XXXX to Speedy Cash nor their collection company Ad Astra RecXXXX. Not to mention, how I know the check is fraudulent, they put my new current address on the check ( which I know they did not have ) to make the check appear to recent.