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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXN XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Dated XX/XX/19 I received letter from Radius Global Solutions in reference to a debt owed to XXXX XXXX of {$1400.00}. Please provide proper validation of this alleged debt owed.
Product: Credit card or prepaid card

The Nordstrom Card, continually turns down charges at the register and then says we are investigating for fraud. 

My wifes and my card has been on hold for week despite the previous statement being paid in full, 4 direct conversations with the company ( wasting nearly 5 hours of my work hours, 3 calls to request our card be re-activated. I am stuck on hold for 40 minutes waiting for a supervisor. They have no reason to suspect fraud on any of our local purchases that have been verified by us as valid. We do not have this problem with our other cards.

Overall, it is not fair or reasonable that a card company can charge late fees when one is one second late for not meeting the conditions of the contract ( and also charge 28 % or more interest ). However, when the card company fails to live up to the contract and help facilitate transactions when all conditions have been met by the consumer, the card company should pay a fee to the consumer and also be charged for the consumers lost time at work having to sit on the phone to rectify the situation. 

The current framework is far too asymmetrical in favor of card companies and they should be fined and consumers compensated for failure to meet the conditions of their contract. 

I would appreciate if the CFPB would review Nordstroms practices as I feel they are violating not only regulatory requirements, lack available supervisors, and are not treating my family and other consumers properly and fairly!!!!
Product: Debt collection

on XX/XX/2024 LVNV Funding LLC has placed a collection on my XXXX credit report. The company is stating that i am in debt with them for the amount of {$1400.00}. At no point in time have I ever signed a contract nor has this company provided me with any goods or services, in which I agreed to pay them the amount stated above. 
The collection has caused damage to my credit score and has made rasied my debt to income ratio which has also made my credit score drop significantly. 

This account should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the Company is a client of yours, owner of wallet : XXXX that utilized your services to launder the money, as it can be verified by the following transactions : XXXX. Transaction XXXX XXXX  XXXX through the wallet through the wallet XXXX XXXX. Transaction XXXX  : XXXX through the wallet XXXX XXXX. Transaction XXXX XXXX XXXX through the wallet XXXX XXXX. Transaction XXXX XXXX  XXXX through the wallet XXXX The scammers were committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX XXXX  wallet in the total amount of XXXX USDT and XXXXXXXX XXXX utilizing your services and under your authorization.
Product: Credit card

I was recently charged a large amount of interest on my Amazon store card. These charges were from the deferred interest from promotional purchases that have expired. I recently dug into the details of these charges and discovered that they give you the option to apply your payments to promotional purchases first, but you have to " opt-in '' to this on their website. I would have done this the entire time to avoid interest charges ( as I am sure everyone would ) had this option been made aware to me. Instead, the payment allocation method is set to " standard '' by default.
Product: Credit reporting or other personal consumer reports

I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation.
Product: Payday loan, title loan, or personal loan

Fraudulent Drivetime car sales and XXXX lending Hello, In XXXX of XXXX my husband and I purchased a car from Drivetime. They set us up with a payment plan/loan with a lending company called XXXX. 

Drivetime XXXX XXXX XXXX XXXX, Ohio XXXX # XXXX-XXXX-XXXX / XXXX XXXX and XXXX XXXX On XXXX we set up XXXX as a payee to our account and we sent our FIRST PAYMENT payment on XX/XX/XXXX. However, XXXX was not a recognized entity so a check was send via snail mail. Our banking institution, XXXX XXXX, XXXX, Ohio, verified all of this. A check, indeed had cleared on XX/XX/XXXX but was never processed by XXXX unbeknownst to us? This was our 1st payment. 

XXXX, XXXX Az, I have only an online link. 

On XX/XX/XXXX at XXXX XXXX in the morning and without any warning a tow truck showed up in our driveway. The " gentleman '' who was hooking up our car simply said we had not made payment ... We knew we had, we got to our records in the 15 minutes it took for him to hook up our car, but he refused our records. And, well, we felt threatened, scared is a better word. 

Towing company, XXXX XXXX # XXXX-XXXX-XXXX  Luckily we are in good financial standing. XXXX gave us the run around. The next day we went to our main banking institution for advice. They called XXXX and the person on the phone told the banker and my husband we had 2 options, Pay the full amount or buy the car back at auction. YES, they said to BUY the car back at auction. In the meantime our car was mysteriously sent back to the Drivetime car lot? 

As I said, we are in good financial standing and with the help of XXXX XXXX we were able to pay the car in full. However, XXXX and Drivetime said it would take 14 days to process even though our banker told them directly that the check would be emailed immediately and notarized. But why was our car already back at the Drivetime lot? Just 24 hours after it had been towed? 

After we made payment we took the paper work to the Drivetime dealership directly. We called the XXXX police and they accompanied my husband. I found the car in the lot, license plates already removed. A long story short, they released the car to us and the title was sent in the next seven working days. 

We want to report Drivetime and XXXX as fraudulent companies. What if we did not have the means? What if we were a single mother? Poor ... we do not want to see this happen to anyone else, we were scammed and lucky for us could work through it. 

We have written several letters over the last year and then I came upon your sight. And have great faith you can help. 

If anything additional is needed, I am happy to provide. Many thanks for all you do
Product: Credit reporting or other personal consumer reports

My personal information may have been compromised due to the Experian data breach, potentially falling into the wrong hands. As a result, I have identified three unrecognized collection accounts on my credit report that must be deleted immediately. The accounts in question are as follows : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX falsely placed my mortgage into bankruptcy. On XX/XX/year>, at approximately XXXXXXXX XXXX EST, I contacted XXXX via their customer service phone line. I informed them that I had not filed for personal bankruptcy and was instructed to submit my proof to their legal department. On the same day, at XXXX XXXX I submitted the actual docket, which showed that a company I worked for two years ago had filed for bankruptcy. My name was not included in their bankruptcy filing. 

The XXXX representative provided me with the name of their attorney and advised me to speak with him. On XX/XX/year>, I spoke with XXXX XXXX, an attorney from the law firm XXXX XXXX XXXX, who was handling the case. I explained the error to him, and he requested that I send him the proof. During the call, at XXXXXXXX XXXX  EST, I sent him the docket. He assured me that he would address the issue. However, as of the date of this report, he has not corrected the problem. 

On XX/XX/year>, XXXX continued to engage in fraudulent misrepresentation and unfair or deceptive trade practices by changing the mortgage address to a different address. Despite being presented with clear evidence, they have ignored it and appear to be engaging in willful blindness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed Experian 9 different credit disputes to Experian on XX/XX/2022 no investigation has been initiated as of XX/XX/2022 Experian never Investigated nor did they forward the disputes to the vendors involved. 
Experian seems to think it's above Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

BOTH XXXX  AND TRANSUNION DROPPED MY FICO SCORE SIGNIFICANTLY WITH NO SUBSTANTIATED REASON. NOTHING ON MY REPORTS HAS CHANGED IN THE LAST MONTH OTHER THAN ME PAYING OFF MY XXXX XXXX XXXX  TO XXXX Balance. 

I HAVE 100 % payment history, No derrogatory remarks and my credit card utilization is 0 %. ARE THEY ABLE TO TELL ME WHAT DRASTIC CHANGE HAPPENED< THAT THEY ARE NOT REPORTING IN ORDER TO DROP MY FICO SCORE SO SIGNIFICANTLY? 

TO ME, its a form of bullying and harassment. THEY JUST ADJUSTED IT in XXXX AFTER MY COMPLAINT HERE. WHY DO THEY KEEP DOING THIS KNOWING IM GOING TO COMPLAIN HERE?
Product: Credit card

I have a Best Buy Credit Card which is run and managed by Citi Bank. I have XXXX promotional balances on this card. This card is also used for every day transactions. I kept getting interest charges even when I payed off my monthly use each month and could not figure out why. I finally found out that when I send in a check to pay for all of the transactions on this month 's bill ( the promotional balance is not due ), that check is not completely applied to the monthly transactions but rather also to the promotional balance. They do this so that they can charge me an interest charge. I have asked them to correct this and they say they can not. I 'm luckily diligent enough to figure out how they are incorrectly applying this interest charge but how many other people are being abused? This is stealing. I have n't lost any money because I catch it and spend 30 mins on the phone with them each month correcting it. But I have lost valuable time. This has been going on for 1.5 years.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

I originally purchased my home in XX/XX/XXXX for {$170000.00} ( new  construction home ), and financed with an FHA through WellsFargo. I  refinanced through the HARP program, also with WF. The woman came to my office in XX/XX/XXXX and stated I did not need an appraisal and just needed to rerun a credit report to finalize the refinance. I signed the papers in XX/XX/XXXX and my refinance was complete. Included in my packet was a form stating I had a right to a copy of my appraisal, but they claim one was now not done. My original appraisal of my home was $ XXXX. I have been paying PMI since XXXX, and have no missed/late payments. Now that my loan is around $ 140K I decided to call and see when I could remove PMI. WF has told me repeatedly the value of my home at time of refinance was {$130000.00}, which is ridiculously low, as my house is worth well over that amount and always has been being a new construction home where the values are all increasing. They have told me that was the value when I signed and agreed my home was worth per an appraisal done by the investor that supplied the loan. They now claim I have to pay another $ 34K+ toward my loan before I reach a 78 % LTV ratio to remove PMI, which would be years. They are also telling me I need to pay for another appraisal to the tune of {$550.00} to remove the PMI if they value my home higher, which I have no doubt it will. I believe WF put the low number on the value of my home to force me to continue paying PMI for years to come. They have been repeatedly asked to provide proof of how they came up with the value of my home and they can not provide it and will not. I have talked at least six times to people on the phone at WF and receive the same answer. My home on the tax website for my county interestingly lists the building value at {$130000.00} and the land value at approximately $ 30K, totally over {$160000.00} for the building and land combined. I believe WF just took the number listed for the building and inserted it on my paperwork and  never made me aware of what they are doing in an effort to trick me into a lower value on my home. I am attaching all documentation. I have been dealing with this since XX/XX/XXXX and believe this is part of their deceptive practices with regard to PMI and mortgage refinances.
Product: Credit card or prepaid card

I started my Capital One account and have never made a late payment. All of my payments have been on time, and I have even paid 10 times over the minimum amount. While having the account there were two payments that didnt go through. The payments that didnt go through was because of fraudulent activity that was cleared up through my other bank but those payments were also not payments that were even due. I was just trying to do good by my credit company. After I sent them a claim because of the data breach they used the two times my payments didnt go through as a reason to XXXX down my account. Their policys are unlawful and discriminatory. They charged me high interest fees and yearly fees that were not supposed to be there. I will be taking legal action if this does not remedy my situation.
Product: Debt collection

ACIMA DIGITAL FKA SIMP is and has been reporting on my credit report as a charge off or written off debt since XXXX XXXX in the amount of & XXXX. I have request 1099 C form from this company sevetal times it becomes a battle clearly it shouldn't be because the company clearly states this debt has been charged off/written off as a profit loss on their taxes so providing me with the 1099 C document shouldn't be an issue. This company always has its paperwork and documents to provide to prove wrong doing on the consumer Part, according FCRA inaccurately reporting information on my credit report is fraud and I'm asking ACIMA to provide me with the 1099C form clearly you are reporting charge off/written off account and at this point I'm about to sue for statutory damages and I will be reporting this company to the IRS for fraud. I have a legit copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have took the time to review my credit report and saw that there are accounts that i did not authorize being furnished to my account. I understand that by law if something is the result of identity theft it is to be blocked and removed within 4 days. Please see FTC report for full details.
Product: Debt collection

On XXXX 2024 XXXXXXXX XXXX  in XXXX Texas, sold my credit report to third party stated saying I owe them XXXX sold the debt to third party
Product: Checking or savings account

UMB Bank locked my banking account immediately after opening and has forced me to turn over several pieces of personal information to 'verify ' my identity even after completing the application in full and receiving approval. Requesting copies of social security documents, mortgage documents, and drivers license are incredibly invasive and unnecessary, especially since account has already been approved and my identity verified. They are threatening to close my account if I do not supply documents by XXXX.
Product: Credit reporting or other personal consumer reports

I was in Sams Club renewing my membership and the lady at the front desk says hey I have a preapproval for a card for you. It is no hit to your credit because you are preapproved, I was not interested because I knew that a preapproval is a soft credit check and not a hard so in order for it to be an approval she would be running my credit. I declined. I have a hard inquiry on my credit due to this and I never gave permission for her to run my credit.
Product: Credit reporting

After the death of my husband on XX/XX/XXXX and the loss of my job, I was unable to pay the mortgage on our home. I went through the necessary steps and returned the deed to XXXX and it 's attorneys on XX/XX/XXXX. It was recorded as becoming XXXX property on at the local courthouse on XX/XX/XXXX. The original deed was released to me in early XX/XX/XXXX. A new owner purchased from XXXX on XX/XX/XXXX. I am trying to get a mortgage for a condo I have under contract and it has been brought to my attention that all XXXX credit bureaus have XX/XX/XXXX as the date the deed was returned.Over 1 year and 7 months after it happened. Even though I have all sorts of proof, the mortgage credit bureau will not accept it because it has not been corrected on my consumer credit reports. Please help me! Time is of the essence.It 's hard for me to understand why this ca n't be easily corrected as the dates I am telling you are all public record at the local courthouse. We have been in contact with XXXX, but this has not yet been resolved. All the documentation was rejected by the mortgage credit bureau. I 'm not sure I know the difference, but the date in XX/XX/XXXX is just WRONG! Please let me know if you can resolve this for me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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