23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX ending in XXXX / Nordstrom When I was trying to finance a car last month, I found out that I had a charge off from Nordstrom ( N ). I called N and was told it was charged off but that if I paid the amount, it will show paid but that the charge off will still stay. I was in disbelief that this store would have their cake and eat it too! I asked for a copy of the 1099 and a signed credit card agreement but they said they don't issue those if they're below {$600.00}. This is wrong and malicious. Without disclosures and proper reporting, how could they put negative reports on my account. This willful and unfair business practice has caused me loan denials and have damaged me financially as my credit score has dropped to 500s. Please help me obtain the 1099s and signed agreements with N, so I can forward them to the proper authorities for legal action. Thank you.
Product: Credit card or prepaid card

Dear President Trump. As a follow up to my complaint against Navy Federal Credit Union, they sent me a note telling me that under the circumstances the only thing they are willing to do is to extend the credit card note two extra months but also warned me that I would pay increased interest and fees. 

I am asking that as a direct result, you permanently deny Navy Federal Credit Union any relief under the stimulus package because they are taking money under false pretenses. They are not providing equal relief to the customers and in many cases, like mine, are increasing the amount due significantly based on the 27 % interest they are charging. 

I do not think this was your intent. 

It has been my experience that the Navy Federal Credit Union and their leadership are corrupt exploitive and have no truth in them.
Product: Debt collection

After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX about a notice to collect a debt from Capital One. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/XXXXand I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/XXXX, I received noticed from XXXX XXXX XXXX stating that Capital One could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with Capital One in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, Capital One is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with Capital One, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.
Product: Credit reporting

i do not own this account anymore please remove it from XXXX, transunion and XXXX credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score. Please update account and delete.
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  and list of Inquiries. 

15 U.S.C 1681 section XXXX 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

XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and XXXX have not removed it. 

XXXX after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.
Product: Vehicle loan or lease

In XXXX, I purchased a used vehicle, financed with Prestige Financial Svcs Inc. In XX/XX/XXXX, my XXXX XXXX XXXX was totaled. I was in year XXXX of a XXXX XXXXXXXX plan, with my car loan crammed down, the balance well below $ XXXX. In XX/XX/XXXX, XXXX -- insurance co for the person who crashed into me, paid the value of the vehicle directly to Prestige, over $ XXXX. I called and verified receipt of the payoff by Prestige, which should have covered the total amount due on the loan, with a credit due me. A XXXX claim was initiated by Prestige in XX/XX/XXXX, though the payoff was sufficient to pay the remainder owed on this account. Prestige continued to pursue payment from me. In XX/XX/XXXX, Prestige began reporting 180 days late on my credit report, leading to a reporting of charged off, with an exorbitant amount reportedly due. This was highly injurious to my credit rating. Collection attempts continued throughout XXXX. Since then, I have received calls, emails and mailings regarding this account. Prestige continues to monitor my credit report, inquiring in XX/XX/XXXX, possibly more recently ; I have not checked my report since XXXX. Today, XX/XX/XXXX, I received a XXXX, forgiving {$1900.00} -- an arbitrary amount, with date of identifiable event listed as XX/XX/XXXX, for the same account. This will have tax implications for me, as it is to be considered income. My dealings with Prestige should have concluded in XXXX. This is highly irregular, irresponsible and improper. It's abusive, predatory and it should not stand.
Product: Debt collection

Below is from my credit report stating that I owe when I was already moved out I called the apartments they tell me that its not them and that they can not take it back. Everything below this statement is in error and I hope you can help. Please and ty in advance. 
XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$850.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$850.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1900.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1900.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1900.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$21000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX I am writing to request that you provide me with information regarding your reporting of information to consumer reporting agencies ( CRAs ). Specifically, I would like to know what information you have reported and to which CRAs. 

I would like to make clear that I have not given permission for you to provide my credit report to any third party for any purpose other than those allowed by USC 15 1681b. This statute outlines the permissible purposes for accessing consumer reports, which include : Credit transactions Employment purposes Insurance underwriting Government licensing and benefit determinations Court orders Legitimate business needs Any other use of my credit report without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Therefore, I request that you provide me with information regarding your reporting of information to CRAs, including the information reported, the date of the report, and to which CRA the information was reported. 

I also request that you investigate any disputed information on my credit report and correct any inaccuracies as required under USC 15 1681s-2. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This company ( Credence ) has continually harrassed me by calling my phone number daily ( M-F ) sometimes twice daily. I finally asked them to take my number off the list because I am not the person they are trying to reach. I only received this number because I changed my original phone number. Therefore I am certain they are searching for the person who previously held it. 

As of now they continue to harrass me. They have even resorted to changing area code from which they are calling. 

They have called on : XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX pm XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX
Product: Credit reporting or other personal consumer reports

. 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A 5 ) Section states : No consumer reporting agency may make any Consumer Report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit card

This is additional information related to complaint XXXX. I did get a call from XXXX in XXXX, but we have not been able to connect. In the interest of transparency I would like to advise, once again, that I am a credit card attorney practicing for XXXX  years. I have finished drafting the proposed class action that will be filed in the XXXX XXXX XXXX for the XXXX XXXX XXXX Illinois. The suit alleges TILA/Reg Z Violation 1 ( violation of 1026.11 ( treatment of credit balances ; failure to refund within 7 business days ) ; TILA/Reg Z Violation 2 ( violation of 1026.12, unlawful setoff against my BofA checking account by taking unauthorized payments against the account, even after I reported the account ) ; Reg E ( violation of 1005.11, failure to investigate billing error notice within the specified timeframes- 10 days/3 days/1 day ), and the Illinois Consumer Fraud and Deceptive Business Practices Act , which adheres to the standards set forth in FTC Section 5, alleging both deception and unfairness ( prohibitions against unfair and deceptive acts and practices, similar to XXXX XXXX  prohibitions against XXXX  ). Please attach this note to my original complaint. I will be filing my proposed class action at close of business today, XX/XX/year> if my money is not immediately refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Synchrony Bank saying they received a credit report with XXXX Rewards card inquiry from Synchrony Bank that I did not apply for. It has tarnished my creditworthiness and lowered my credit score. After reaching out to the bank to let them know I had not made the inquiry for the card I was met with incoherency and denial the bank sent me the information dated XX/XX/XXXX, I received the latter from the bank on XX/XX/XXXX 2022
Product: Mortgage

This is just an example of financial information being asked of me after 2 months of providing all documents I have. 
Good Morning XXXX XXXX, Please provide an explanation for the bill pay to Approved Card from XXXX XXXX # XXXX Can you confirm your marital status? 
Do you have any ownership in XXXX XXXX XXXX? 


Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, SC XXXX Thank You XXXX Could XXXX send in a copy of your Trust? XXXX have to have the XXXX reviewed and approved by our XXXX Department. 

Thank You XXXX XXXX XXXX XXXX, In order to put the mortgage under your XXXX XXXX XXXX, it needs to have the Revocation Clause and the Power to Borrow Clause. The employment verification we requested is for your current employment. The underwriter is asking for a letter from XXXX XXXX XXXX to confirm your relocation to XXXX XXXX, new hourly rate and number of hours you will work. You let us know that they will not provide a letter since you are not in XXXX XXXX yet. 

Thank You XXXX XXXX We are going to need the homeowners insurance policy for the condo in XXXX. Are there XXXX  dues for this condo? 

Thank You XXXX XXXX XXXX, Your file is back from final review. The underwriter is requesting additional information. Ive listed the items needed below. 

Please provide a transaction list from XXXXXXXX XXXX XXXX XXXXXXXX for these dates XX/XX/XXXX to XXXX Please provide a statement to source the {$250000.00} large deposit in XXXXXXXX XXXX XXXX XXXXXXXX from XXXX XXXX XXXX Please provide the tax bill for the condo in XXXX. The tax bill must be in XXXX For the explanation you gave for the bill pay in XXXX XXXX # XXXX. Which credit card are your referring to? 
Please provide XXXX XXXX XXXX statements to source the following large deposits into XXXX XXXX # XXXX - {$14000.00} on XX/XX/XXXX, {$16000.00} on XX/XX/XXXX, {$17000.00} on XX/XX/XXXX & {$14000.00} on XX/XX/XXXX Thank You XXXX XXXX XXXX, This is all complete and submitted on XXXX. The GGRC Stipend for XXXX was a payment they paid me to pay XXXX for his participation in an online training for Direct Support Professionals. 

Thank you, XXXX
Product: Student loan

I have been on an income based repayment plan since 2012 after my graduation. My loans were originally with XXXX XXXX then they were transferred to Fed loan. I have submitted my qualifications for working for non-for profit organizations every year. I have not missed any monthly payments at any time. 

3-4 years into my payments, I was told I did not consolidate correctly and that all of my loans that aren't " direct '' would not be forgiven. This information was not given to me initially when I consolidated my loans. I have made extra payments towards these loans ( nearly $ XXXX ). I have contacted Fed-loans to make sure this would not interfere with my normal monthly payments which I have continued. 

I have requested multiple times for an up to date manual count. I have been given different conflicting information multiple times upon these requests ( none were manual counts but estimates ). More recently I was told that only 5 of the 7 years of payments would count.

I am still working at non-profit organization but have had job offers at private organizations. I am staying at my non-profit currently in the hopes of loan forgiveness in 3 years.

Please help me get accurate information on my loans as Fedloans has told me in e-mail that they currently do not have the resources to give me this information.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXXXXXX XXXX : 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.
Product: Debt collection

I told the guy that keeps calling XXXX XXXX, that I had XXXX XXXX and have no record of this debt. He calls 4-5 times a day. I called and told him that he was not to call me because it was causing emotional stress after a major XXXX and that he could only contact me through written correspondence. He said he understood and we hung up. He literally called me right back as if we did not just speak. He is harassing me over a debt I have no proof of owing.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Debt collection

I worked with another debt collection company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this debt. It was a medical debt from XX/XX/XXXX. I filed chapter XXXX in XX/XX/XXXX. They removed this from my credit report XX/XX/XXXX after I sent them proof ) For a 3rd time ) of my bankruptcy. I had been fighting them for years to remove this. They sold this account to commonwealth financial systems. They have put it back on my credit report as of XXXX, as an open collections account. My credit instantly dropped XXXX points. They are sending me letters to collect the amount owed {$420.00}. I called and had to resend all of my bankruptcy information to them. I plan to buy a house soon and my credit has been ruined by these guys. I 'm not sure how a company can reopen a discharged debt and why it falls on the consumer to have to continually resend documentation. If they keep adding it to my credit report every time they sell information to other companies this is not right. I want it removed asap, not in 30 - 60 days. Again, this is ruining my chance of purchasing a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported a duplicate and inaccurate charge-off to my profile.
Product: Checking or savings account

Capital One hasnt giving me my direct deposit yet. It's now Friday XXXX @ XXXX & still no money. I normally get it on Thursday morning, however Capital One didnt notify me until Thursday night at almost XXXX. I have bills to pay & No money. They said it would be resolved early Friday morning via email & still I have No deposit made to my account by them
Product: Credit card or prepaid card

On XX/XX/XXXX we were notified by Bank of America ( BA ) that our XX/XX/XXXX payment of {$200.00} was past due. Surprised that this is a routine automatic transfer which has worked well up until this point, we called BA and were informed that our transfer information which is hardwired into our account was missing, thus XXXX XXXX had no place to send the money. We did not know this. We immediately paid them the past due amount by phone, were refunded the late charge, interest on the same and agreed to increase the payment to {$300.00} due on XX/XX/XXXX. Today I opened the XXXX XXXX banking account to note TWO payments of {$300.00} were transferred to BA and indeed, two {$300.00} payments were posted by BA. Now I am NOT pleased. So today, they agree to reverse the second payment of {$300.00}. Starting with their IT department, these people are business-inept. I am now an ANGRY CUSTOMER. I request official address of their incompetent business practices and an apology from their CEO in XXXX acknowledging their IT people are unethical and unprofessional, deserving of counseling and termination. This is absolutely unacceptable. There is a trend here. Thank you for your help.