23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Nordstrom responded to XXXX  that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and Nordstrom is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to Nordstrom as paid. I contacted Nordstrom XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing on my credit report.
Product: Checking or savings account

Thank you for taking my complaint. Have exhausted every effort to resolve this issue between XXXX XXXX XXXX and PayPal, neither of which has a financial interest in its resolution. I do not believe that XXXX XXXX XXXX is at fault, but neither have they tried to contact PayPal on my behalf. PayPal has been non-responsive except for their email yesterday denying receipt of the check. 

Summary : On XX/XX/2020, I sent a XXXX XXXX  XXXX ACH check no. XXXX for {$300.00} to PayPal Add Money PayPal received the check and deposited it in an account that was not mine in XX/XX/XXXX, exact date not indicated. 

XX/XX/XXXX XXXX XXXX debited my checking account for {$300.00} on XX/XX/2020 I have tried to resolve this with PayPal online customer service to no avail. XX/XX/XXXX XXXX XXXX tried, buy can not help, according to their BillPay and Fraud departments. 

Attachments : 1. Certified Letter to PayPal details of dates and  account numbers, including images of checks and deposit records 2.  Follow up letter to PayPal also including check images 3. Print copy of an email from PayPal saying they did not receive the check. 
4. Thread of messages between me and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a hard inquiry on my credit report almost every month from Chase Card and I do not own a Chase Card nor have I authorized them to access my credit report. I want them to stop checking my reports!!
Product: Mortgage

I received a letter from my mortgage loan servicer, Shellpoint, inviting me to a community outreach event in my town to discuss foreclosure prevention options. I have never been late on my mortgage payments and confirmed with Shellpoint via a telephone call ( for which I was on hold for 15+ minutes ) that I was not meant to receive this letter. I was told to disregard it as my mortgage was current, which I knew. I am concerned that their letter to all mortgagees may cause confusion, particularly for someone who may have paid a few payments late or is currently behind but not actually in danger of foreclosure. Shellpoint should take better care to ensure that communications are sent to the intended customers and not cause confusion and worry unnecessarily.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has no only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

On XXXX I was contacted by XXXX via email ( attached ) demanding that I change my FTC Identity Theft report, as they claimed it " did not meet their requirements ''. I called XXXX XXXX XXXX at XXXX on the same day and spoke with an agent, who informed me that the blocking request was denied until I update the filing with the FTC to meet guidelines. I called the FTC at XXXX and spoke with a live agent who read over the FTC Filing and stated there was nothing in the report that wasn't in guidelines. The FTC helped me to rewrite the filing, and also submitted a complaint against XXXX for the daily denial of the blocking request, each day with a different reason. 

This complaint is being filed as an update to the FTC Identity Theft report, as a way to provide proof that I have provided all required documents in this blocking request, and to prove that XXXX is acting unlawful. 

This filing is also being sent to TRANSUNION AND XXXX as the updated FTC Report. 

Furthermore, XXXX on XXXX DENIED my request to remove XXXX noting that they verified the debt is mine, however this too is IDENTITY THEFT and has been included on the FTC IDENTITY THEFT report and is hereby ordered REMOVED!
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment by those managing this information, so kindly furnish all available details outlining how accuracy and compliance responsibilities have been neglected. I officially challenge you to thoroughly review the data on file for me, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, addressing any inaccuracies or deficiencies in reporting. The credit report I received lacks accuracy, which is surprising considering the expectation that you adhere to FCRA and relevant Metro 2 data field formatting standards.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful and timely provision of correct information to ensure none of my rights are violated. I am aware that you have been responding to disputes and challenges from consumers with form letters, irrespective of the specific information provided. This practice is illegal, as each dispute and challenge must be individually addressed based on its merits. My letters were generated using universally accessible software. Failure to process my letters violates 15 U.S. Code 5 1681i.

Please note that delaying the processing of consumer letters under the assumption that third-party assistance may be available is not a legal exception. I am the author of any letters bearing my name, written either by me or my advisors with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be considered an intentional disregard of my consumer rights, prompting me to involve my lawyer for legal action.
Product: Payday loan, title loan, personal loan, or advance loan

I approached XXXX XXXX ( XXXX XXXX XXXX ) after his post of being vegan and a professional trainer. He contacted me back and informed me he could help me with macros and training me with my medical conditions of : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this 1st XXXX XXXX he informed me he had a XXXX in XXXX XXXX and did XXXX XXXX. I felt the fee was high {$6900.00}, but XXXX XXXX encouraged me to use Affirm instead of going with a shorter program which was much less money. I decided to go with the program since this was my health and I was investing in my future XXXX I reviewed his contract which indicated I could cancel as long as I informed him by email and I signed the waiver if I by any chance would end up with XXXX Less than XXXX weeks into the program I ended up with XXXX XXXX XXXX and XXXX XXXX which are very painful. I went to my XXXX who informed me some of the exercises were the cause of my injuries. I contacted XXXX XXXX to cancel by email and XXXX through his " XXXX '' app but he just completely ignored my request to cancel and wanted to talk instead to " see what we could do ''. At this point I went to XXXX XXXX 's XXXX XXXX and found he out he does not have a " XXXX XXXXn XXXX XXXX '' but rather a certification through XXXX and when I checked XXXX to verify his license to indicate he does Physical Therapy he was not in the system. Penal Code 486.028, 486.135 On XX/XX/24 we had a XXXX XXXX I participated by phone ONLY but recorded the conversation as I now did not trust him. XXXX XXXX completely ignored the injuries and brought up the waiver. I informed him I was not looking to sue him but just wanted to cancel. It became contentious but in the end he said " ok so you just want to cancel '' in which I said yes. I asked him about Affirm in which he responded that's " your problem and I don't deal with them ''. I filed a dispute with Affirm and provided ALL information and AUDIO RECORDING which confirms our agreement was cancelled. However, today I received an email by Affirm telling me I'm responsible for the loan because " CANCELLATION or RETURN NOT PROCESSED ''. I am now sitting here with a debt and no service through FRAUDULENT MISREPRESENTATION.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim identity theft and found numerous credit inquires. 
please remove fraudulent inquires in my credit report.Thank you You
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have  XXXX  KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX  TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EQUIFAX AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :  XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid these accounts and they still on my credit report and hurting my credit report i need them removed XXXX XXXX XXXX  {$440.00} XXXX XXXX- {$210.00} XXXX {$210.00}
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction with Capital One Auto Sales in XXXX of 2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The finance charge is supposed to include insurance, but Capital One Auto Finance made me purchase insurance separately.
Product: Credit card

I purchased several items at Macy 's with their store credit card and there was some confusion about what exactly was owed due to an overlap in purchases and returns. I was therefore charged late fees and interest charges on my XXXX 2017 bill. 

I called the company in XXXX to discuss the situation. I was agreed I would be given a {$120.00} credit, if I paid my balance in full. I went to a nearby Macy 's and wrote a check for the amount of {$7100.00} on XXXX XXXX, which was cashed and should have brought my balance to {$0.00}. 

In XXXX I received a bill for {$32.00} in interest charges. I called the company on XXXX XXXX, and talked to operator XXXX. It was agreed that the charge should not have been made and that a credit would be issued to bring my balance to {$0.00}. 

In XXXX XXXX I received a bill for {$61.00} for the past balance plus new interest and fees. I called the company on XXXX XXXX and talked to operator XXXX. It was agreed that the charge should have not been made and that a credit would be issued to bring my balance to {$0.00}. I also requested that my card be cancelled and that I be sent a letter stating my balance was {$0.00}. The card was cancelled and a letter was received to that affect, but there was no mention of my balance being settled. 

In XXXX I received a bill for {$98.00} for the past balance plus new interest and fees. It 's therefore obvious at this point that the company is not adjusting my balance as agreed to on XXXX separate occasions.
Product: Debt collection

I received a collection notice yesterday from Convergent, regarding a XXXX XXXX past due balance. I haven't used XXXX for many years. I did receive a notice about 2-3 years ago from XXXX notifying me that someone was trying to open an account with my information. I responded and told them that it was fraud and they should not open the account. Now I'm getting a collection notice for {$1300.00}. When I closed my account, many years ago, it was paid in full. 

I sent a letter to XXXX requesting a written confirmation that I do not owe any money. I also wrote a letter to Convergent telling them the collection attempt is a scam and to cease and desist. 

I work hard to keep a really good credit rating and I don't want fraud to affect my credit history,
Product: Credit card or prepaid card

I sought to use my Citi AAdvantage card for purposes of purchasing plane tickets so that I had the benefits of the card. To that extent and in order to make the necessary funds available, I paid {$2500.00} towards my account on XX/XX/2020 by calling and making a direct payment via phone. At the time I made the payment, I made it clear to the agent that I was making the payment over the phone to ensure the credit was available for purchase of the tickets. On XX/XX/2020, I attempted to pay for the plane tickets and learned my credit limit had was decreased and I was unable to purchase the tickets. I requested and immediate refund of my payment of {$2500.00} - as I made it very clear that I would not have made the payment had I known my credit limit would have been lowered. I have not yet received the refund of my payment or reinstate of my credit limit. The actions taken by Citi were fraudulent and need to be correct immediately.
Product: Mortgage

I closed on a refinance with Mr Cooper Home Loans on XX/XX/XXXX. 

I was told I would not have to make my XXXX payment and that my first payment with the new mortgage would be in XXXX of XXXX. 

They took out my XXXX payment anyways and are telling me it's because I didn't cancel autopsy despite their website telling me I didn't have to. They told me the Loan Officer should have warned me and now there is nothing they can do about it. 

This is causing me great financial harm and distress because I actually had that money earmarked for an earnest money deposit on a house my wife and I are trying to buy and I don't know if I can make that happen now. 

I don't know what else to do.
Product: Credit card or prepaid card

CapitalOnerefusedtoforceXXXXltoreimbursethemforachargeonmyaccountandthencreditmyaccountforthechargeof{$170.00}backonXX/XX/XXXX,afterIcancelledtheservicesbutwasn'tprovidedwithproofofdoingso.AndXXXXdidnotshowdocumentationthatIdidnotcanceltheservice.Therefore,itwasCapitalOne'sjobtoprotectme,theircustomer,andtreatthisasafraudmatter...Butofcourse,sinceCapitalOneisafraudthemselves,theywereinfavorofthemerchant...
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Debt collection

I filed a complaint with CFPB against Midland Credit Management on XX/XX/XXXX. Even though they responded through CFPB on XX/XX/XXXX with an explanatory letter and copies of statements, they failed to include copies of documents they claim to have mailed to me on XX/XX/XXXX ( " validation letter '' ) and XX/XX/XXXX ( " dispute response letter and a copy of the verification information provided by the seller '' ). Had they actually mailed the missing documents, they would have provided copies as proof. 

I have not received mail from Midland Credit Management on or about those dates or any other date. 

In violation of the FDCPA, the debt collector added information to my credit reports without mailing me anything. 

And, Midland Credit Management failed to address the XX/XX/XXXX unsolicited email ( attached ) from XXXX, falsely stating, " Although this communication is from a debt collector, this is not an attempt to collect a debt. '' ( bold in original ) If it's not an attempt to collect a debt, then what is it? The email continues, " Need assistance? Were here to help. Call ( XXXX XXXX XXXX between the hours of : XXXXXXXX XXXX XXXX XXXX XXXX. PT. Sunday - Thursday, and XXXXXXXX XXXX XXXX XXXX XXXX PT. Friday - Saturday '' Clearly, the communication is an attempt to collect an alleged debt even though it claims it is not an attempt to collect a debt, which violates the FDCPA, right?
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

It was on XX/XX/2021 when I was at the hair salon. I didnt know what happened but I know I had a transaction coming into my account on that day so I checked my account and realized that XXXX $ of unauthorized use is being sent out to someone call XXXX or XXXX XXXX. I did not know about this so I called my bank and told them while it was on the same day and pending. I realized that this was a transaction that my brother did to purchase a dog from somewhere call XXXX XXXX through email exchanges pretending to me since hes underage and wants a dog. Hes not an authorized usage of my bank so it shouldnt be accepted regardless. However the bank said they cant do anything about this fraud/scam cause we never received the dog that was promised. I also contacted the company after seeing the email exchanges and asked them to refund my money since it wasnt me that was talking to them and they ignored my emails. This is a not right and my bank refuses to refund my money unless I make a police report for it. I received my banks decision today on XX/XX/2021 and called the representative and this is what they told me. They said I would need a case # from the police for them to consider this as a fraud/scam. Thank you.