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

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( portfolio recovery associates XXXX ) 1 ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

List of inquires I DEMAND to be blocked and removed ; XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the XXXX removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud
Product: Payday loan, title loan, or personal loan

Borrowed {$500.00}, from fineday loans, an online loan company., XX/XX/. XXXX understood payback terms. Called XXXX  several times before first payment was to be paid, XXXX XXXX. Difficulty understanding companys customer service people, and difficulty understanding the terms of the pay back terms.I was told that a {$110.00}, was due on the first month of the payback terms, XX/XX/. Talked to several different customer service people, and could not get an payback term I could understand. Was kept being told, I could pay back the whole amount borrowed, plus interest, that payment arrangements were very confusing for me. I paid them thru my bank account on XXXX XXXX, {$110.00}. Talked to their company today, and was told. {$220.00} paid to them on XX/XX/XXXX, and that on XXXX XXXX, my balance woujld b e {$460.00}, and than in XXXX, my balance would be $ XXXX. Was told if I paid {$110.00} a month for 12 months, i the loan would be paid off. So confused, and know that the interest is like a theft. Coujld I please get some help or undersgtandin g of this type of mess I am in.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX/XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX reported a debt collection of {$40.00} regarding XXXX XXXX. On XX/XX/2019, I called XXXX XXXX XXXX. They reported I don't have an account with them. They advised me to call Credit Management since XXXX XXXX reports the debts collections to them. I called soon after. Credit Management stated I don't have an account with them as well. There is no report anywhere that I owe {$40.00} with XXXX XXXX not Credit Management.
Product: Checking or savings account

i am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. It is Friday, XXXX XXXX XXXX XXXX XXXX XXXX and I still do not have my funds in my checking account.
Product: Student loan

I currently have a federal Perkins loan which was taken out with my XXXX university, and currently serviced by XXXX XXXX XXXX XXXX XXXX XXXX ( Heartland/ESCI ). 

The current balance on the loan is {$3000.00} as of XXXX XXXX, 2022. 

I enrolled in auto-payments with the company several months ago ( I can not find in my records when, but I believe it was in XXXX ) and subsequently received email notifications monthly that my payments had been continuously taken from my account. 

I never received a notification that any error had occurred or that a payment was not processed. 

Tonight, on XXXX XXXX I received an unsolicited telephone call from a representative did not identify themselves as being from Heartland ESCI, only that they were calling in reference to a loan with XXXX XXXX  ( the above referenced university ). 

After asking " whether this was a good time, '' and I indicating it was not because I was working, he proceeded to tell me this was a " courtesy call '' about my " past due account. '' Inadvertently Heartland/ESCI had continually failed to withdraw money from my account ( either because the information was entered improperly or because the bank account associated with it was closed. ) but never indicated money had not been withdrawn to cover the account balance. 

This practice has gone on for at least three months entirely without my knowledge. Heartland/ESCI made no attempt to contact me regarding failed or missed payments, and misrepresented that payments were being withdrawn from an account. 

On XXXX XXXX, 2022 I made a {$110.00} payment to Heartland/ESCI which was apparently inclusive of debit card processing fees and {$10.00} in fees charged for missed payments. 

Rather than alert me to the fact that my payments were not being processed, Heartland/ESCI decided to wait until I had amassed several payments and alert me to pay them at once.

I also am unable to navigate Heartland/ESCI 's website to find out which account is currently linked to my auto-pay. Their client-side web browser is clearly designed to confuse and obfuscate information to make repayment as difficult as possible, and any financial records with the servicer are not easily obtained. 

This debt collection practice is patently unfair, and likely violates both federal law, as well as contractual obligations Heartland/ESCI has to fairly collection minimum payments from borrowers.
Product: Debt collection

I had two store credit cards which the stores deceivingly advertised as regular credit cards when I was asked at the registers if I wanted to apply. But even though that is beside the case, when I lost my job and had no money, the interest and the late fees doubled the amount of money that I owed on the store cards. When the collection agencies called me cut a deal with me that if I started paying the most I could afford, of {$8.00} a month, they would erase the late fees and the interest and only charge me for what I originally owed. I had been paying this XXXX per month for almost a year and when I checked on my credit report statement there was no record of it and the balance was still the original balance with the interest and late fees included! So they obviously lied to me and scammed me and took my money all this time with out the balance owed even dropping at all!! So they scammed me and deceived me because they got me to pay them the smallest amount I could afford every month for about almost a year and they stole it because it was not deducted at all from the original balance!!
Product: Checking or savings account

Recently an there was a levy attempt on an account I have with the XXXX XXXX XXXX in California. Currently I have an extension on that account through XXXX. On Thursday XXXX XXXX, XXXX I looked at my account which only had {$0.00} being overdrawn {$120.00}. 

There is a fee stating that the XXXX XXXX XXXX charged my account. I called the XXXX XXXX XXXX and there were no funds collected on my account. Wells Fargo states that this is a cost to Wells Fargo for processing their order, the XXXX XXXX XXXX of California stated they did not charge a fee to Wells Fargo. 

I called Wells Fargo XXXX/XXXX/XXXX around XXXX and was told this is a fee they charge as a cost. Their is no reference or disclosure to this fee and the XXXX XXXX XXXX did not charge it to them.
Product: Checking or savings account

Capital one refuses to process refund from merchant or request proof of service or merchandise purchase from merchant as requested in dispute.
Product: Debt collection

XX/XX/XXXX, XXXX Resurgent Capital Services L.P . 
Attn : Compliance Department XXXX XXXX XXXX XXXX, SC XXXX RE : XXXX XXXX Request for Validation and Chain of Assignment Reference Numbers : XXXX, XXXX, XXXX To Whom It May Concern, This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ) for further validation of the accounts referenced in your XX/XX/2024, response. As the consumer, I am entitled to a full and complete understanding of the debts you claim I owe. 

I request the following information regarding each account : 1. Chain of Assignment - Provide documentation that clearly outlines the chain of assignment for each account, from the original creditor to LVNV Funding LLC, including all intermediate parties, if any. 
- Ensure the documents specify the dates and terms of each transfer of ownership. 

2. Detailed Statement of the Debt - A complete breakdown of how the balances were calculated, including principal, interest, fees, and any other charges. 
- Copies of the original agreements that establish my liability, as well as any amendments or updates made during the life of the accounts. 

3. Verification of Ownership Rights - Evidence that LVNV Funding LLC has the legal right to collect on these accounts and to report them to credit bureaus. 

4. Account-Specific Documentation - Copies of statements or records showing the activity on these accounts prior to charge-off. 
- Any payments, credits, or adjustments applied to these balances. 

Cease and Desist Clarification While your letter acknowledges my cease and desist request, I remind you that all communications regarding this matter must now occur through the CFPB portal or other legally permissible channels unless initiated by me. 

Under FDCPA guidelines, I request that you provide this information within 30 days. Additionally, while you investigate and respond to this request, I ask that you refrain from reporting this debt as valid to any credit reporting agencies or taking any collection actions. 

Please note that my request for validation and documentation is a good-faith effort to ensure that all claims and balances are accurate and substantiated. 

Thank you for your cooperation. I look forward to receiving the requested information promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

CONN APPLIANCES , INC CONTINUES TO REPORT TO THE CRA 'S A DEBT THAT IS NO LONGER VALID, OVER SEVEN YEARS OLD. ITEM HAS BEEN DISPUTED NUMEROUS TIMES AS TO THE VALIDITY OF THE DATES AND REFUSES TO REMOVE ITEM.
Product: Mortgage

Subject property XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Current deeded use is condominium. Seeking under XXXX  XXXX XXXX loan document Note 1-4 family XXXX XXXX XXXX, ( attached ) notarized amendment document from XXXX XXXX approving change of deeded use to multi family. I agree to have XXXX XXXX take lien priority on the property. 

To be clear I have never missed a mortgage payment or had a lapse in insurance coverage on the subject property. 

My friend who is an attorney contacted XXXX XXXX for me in regard to this request. She spoke to XXXX XXXX Esq. who advised her that XXXX XXXX would agree to this request, and for her to contact XXXX XXXX Esq. at XXXX XXXX ( XXXX ), the current mortgage debt service company. She reached out to the contact at XXXX XXXX the same day via phone message and email. 

As of today, Attorney XXXX did not return the phone call or email. Not a surprise to me, since XXXX XXXX is a predatory debt collection company who I have had the unpleasant experience with ; particularly in regard to their annual " forced placed insurance '' threat and subsequent machinations one has to go through with them to " prove '' that there is a viable insurance policy on the property. 

One does not have to go far on your web site and XXXX  to see all of the complaints from numerous folks who have had the forced placed insurance scam put upon them by XXXX XXXX. Additionally, many people have lost their homes to foreclosure because of XXXX XXXX inability to follow through on loan modifications for people who are trying to save their homes. 

XXXX XXXX  holds the loan but refuses to take responsibility to assist their paying customers. Rather, they prefer to hide behind the predatory debt collection company to do their dirty work. It is a shame.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report in XXXX noticed several unfamiliar accounts and a large loan I hadn't applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hit someone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of nancial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX credit card, in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud XXXX XXXX XXXX XXXX Account N u m b e r : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A m o u n t : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the re-insertion of my dispute an inaccurate charge that the debt doesnt belong to me. 

Despite my previous correspondence, I have not received a satisfactory resolution regarding this matter. I wasnt informed or have any knowledge of the reinsertion of this account upon checking my credit report I noticed it was added back to credit report.By law you have 5 days to send notice out before reinsertion an I have received any noticed about reinsertion of this account.

In compliance with the Fair Credit Reporting Act, section 605 and section 611 I am requesting that you reinvestigate this matter and provide me with the results of your investigation. Should your findings support my claim, I kindly ask that you reinsert the disputed information in your records.

Enclosed are copies of previous correspondence, statements, or other evidence I believe this information supports my position and will aid in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. Please feel free to contact me at the above information if you need any further information. 

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

I signed up for a Brigit credit builder account. I had it on auto pay, and it had been smooth sailing for months. However, in XXXX, my auto payments stopped going through. I checked my bank account EVERY time and I had enough money for the payment. I emailed customer support every single time it didn't go through. I will attach the email chains of XX/XX/25 emails to figure out why it wasn't going through. They offered no assistance aside from trying again. Finally, despite my constant efforts and communication with them, it was reported as late. They did not fix the problem until the day I emailed them and told them it reported as late. Note in the emails my urgency, clarity, and noted desire to get it fixed so that it did not harm my credit.
Product: Credit card

I am filing a complaint against Nordstrom regarding a withheld refund related to my bankruptcy case. I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, in the XXXX of XXXX XXXX, and my discharge was granted in XX/XX/XXXX. After my discharge, I returned items to Nordstrom and requested a refund of approximately {$1400.00} in XX/XX/XXXX. 


Instead of processing the refund, Nordstrom retained the funds to cover a debt associated with my Nordstrom credit card, which was included in my bankruptcy discharge. The debt was discharged as part of my bankruptcy, and the credit card was canceled. 


Whenever I contact Nordstrom, I am directed to communicate with their bank directly regarding this matter. However, when I call, I receive no assistance ; the representatives repeatedly inform me that Nordstrom will retain my refund. When I request transcripts of these conversations to demonstrate that they are unwilling to help, I am told that I must send a subpoena to obtain them. 


I have also reached out to Nordstroms customer service through email, but I only receive automated responses that indicate they do not read the details of my situation. This lack of genuine communication and assistance has left me feeling frustrated and concerned about the legality of Nordstroms actions. 


I am seeking guidance on how to proceed and resolve this issue, as I do not have the financial resources to continue paying for legal assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


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

Credit Karma told me I had a 90 % chance of approval for a XXXX credit card in which I applied for twice and was turned down causing a drop in my score
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XXXX XXXX, 2024, Chase Bank unexpectedly cancelled my account without providing any explanation or prior notification. Upon contacting the bank for clarification, I was unable to obtain any information regarding this abrupt closure. This situation has caused me significant inconvenience and concern, and I seek an immediate resolution.
Product: Checking or savings account

After multiple failed attempts to reach customer service, I am having overdraft fees and negative balance fees regularly added to my account. I have not transferred funds there because I wanted to ensure that could I could take care of the first charge before erroneously adding a second. Now its stating I owe the bank {$200.00} dollars and none of my attempts to reach customer service have been successful up to this point.
Product: Debt collection

I received a debt collection from AMI for medical debt from 2002. My ex wife is stipulated to pay in the divorce proceedings, but they refuse to stop trying to collect it from me. Further, AMI has charged an exorbitant {$500.00} from two separate charges of XXXX and {$88.00}. There was no contract from the hospital to collect interest. This is a violation of FDCPA Accounts Management Inc. 
XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card

I had to open a dispute for a fraudulent charge on my credit card. The representative I spoke to was not able to provide any information about when a credit would be applied to my account. I need access to these funds asap.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XXXX, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than 12hrs after I submitted the dispute. 

I ask that XXXX follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that XXXX follow the same suit with the dispute sent to them and because a Transunion has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints