23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I entered into a lease agreement with Acima ( XXXX # XXXX ) to finance a couch from XXXX XXXX. According to Acimas lease policy, I am entitled to cancel the lease at any time before receiving the property without penalty. Despite never receiving the couch, Acima has refused to cancel the lease, claiming they need a response from XXXX, which has been unresponsive since XX/XX/year>. 

XXXX delayed delivery multiple times, first promising the couch on XX/XX/XXXX, then XX/XX/XXXX, and finally XX/XX/XXXX. To date, I have received no updates or delivery. Research shows XXXX has a history of complaints for failing to deliver products, prolonged delays, and poor-quality merchandise. 

I formally requested Acima to cancel the lease and refund my payments, as outlined in their policy. However, Acima says they will continue to charge me biweekly payments and insists on waiting for XXXX response, despite their own cancellation policy allowing termination prior to receipt of the property. 

This situation has caused financial strain and frustration, especially as I spent the holiday season without the couch. I have reached out to both companies multiple times, but the matter remains unresolved. 

Desired Resolution : 1. Cancel the lease immediately, as I have never received the property.

2. Refund all payments made since my cancellation request.

3. Confirm cancellation and refund in writing.

I expect CFPBs intervention to hold Acima accountable to their lease terms and ensure a fair resolution to this matter.
Product: Debt collection

XXXX have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XX/XX/XXXX. I requested a copy of the signed contract with Discover, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XX/XX/XXXX and XXXX ( XXXX XXXX ) filed a Writ of Revival on XX/XX/XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, XXXX have recently been fined XXXX for these illegal activities. On XX/XX/XXXX, XXXX XXXX created a new docket number and filed my social security number at the XXXX XXXX courthouse. XXXX never withdrew their " entry of appearance ''. On XX/XX/XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. XX/XX/XXXX personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the XXXX court house. XXXX XXXX has been noted in a recent Supreme Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a XXXX law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
Product: Student loan

To Whom It May Concern : I saw the news articles regarding the lawsuit again Navient. The issues outlined in the article are my exact experiences. 
-My payments were mis-allocated. I final caught on and now send a paper check and write which loan to put the payment on. I then have to check to make sure this actually happened correctly. It often does not. 
- I have tried to overpay several times and have been told I ca n't. They told me another payment is not due until next month. I have had to argue to overpay on my loans. 
- At one point, some of the loans were in deferment per my request. I was told there would be no penalty. I later found out that they were reporting the loans as missed payments which showed up on my credit, thus hurting my credit score. To this day, this issue affects the interest rate on my home mortgage. 

This company is infuriating, difficult to work with, and deceitful. I have all of my documentation at home. If there is a way to get involved, I would love to be included. I want to see some repercussions. For most of us coming out of college, we have never dealt with debt to this amount. It is a scary process. Being lied to has resulted in negative consequences that now affect me years later. 

XXXX XXXX
Product: Credit card or prepaid card

Macy 's store card has reported a balance of {$1700.00} for more than a year. This balance was paid off at that time. I have called them numerous times. They have blamed it on the credit reporting agencies. However, the credit reporting agency only reports what Macy 's [ or the card company that carries their name ]. We have made numerous calls to Macy 's even escalating to a Supervisor to no avail. In addition, we have reported an incorrect balance a number of times to all 3 credit bureaus. the credit bureaus agree and remove the balance of {$1700.00} being reported. Each month after, Macy 's again reports the balance as {$1700.00}.
Product: Debt collection

Complaint Against Nordstrom for FCRA and FDCPA Violations Illegal Credit Reporting and Failure to Provide Tax Documentation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Nordstrom for their continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e regarding a fraudulent account they refuse to remove from my credit report.

Violations Committed by Nordstrom : 1. Illegal Credit Reporting After Selling the Account Nordstrom has admitted that they sold the account to XXXX XXXX. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher of credit information may not report inaccurate or misleading information once an account is no longer their legal obligation. Despite this, Nordstrom continues to update the account as charged off every 30 days, which is knowingly false and damaging to my credit.

2. Failure to Properly Investigate a Disputed Fraudulent Account Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), a consumer has the right to dispute inaccurate information directly with a furnisher. I have provided Nordstrom with a police report clearly stating the account was fraudulent, yet they refuse to remove it, violating their duty under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and delete inaccurate information.

3. False and Misleading Collection Practices The continued reporting of a charged-off account that they no longer own is a misrepresentation of a debt and constitutes a violation of 15 U.S.C. 1692e ( 8 ) under the FDCPA, which prohibits furnishing false credit information about a debt. If Nordstrom no longer owns the account, they can not legally continue reporting it.

4. Failure to Provide Required Tax Documentation When an account is charged off or sold, the original creditor is typically required to provide tax documentation if the charge-off exceeds {$600.00}. Despite my repeated requests, Nordstrom has failed to provide the required tax form, potentially violating IRS reporting guidelines under 26 U.S.C. 6050P. 

Requested Actions : Immediately cease reporting the account since it has been sold and is no longer under Nordstroms control. 
Permanently delete the fraudulent account from my credit report, as they have received proper evidence proving its fraudulent nature. 
Provide the required tax documentation related to the charge-off and sale of the account. 

Nordstroms refusal to comply with federal consumer protection laws is causing severe harm to my credit and financial standing. I request the CFPB to take immediate enforcement action against Nordstrom for their ongoing legal violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

After months of dealing with this bank refusing to communicate, then finally having them pay me the bonus they owed me, they took {$48.00} dollars out of my bonus check for fees the accrued while illegally not closing my account after being asked to... they sent me a check that removed those fees from the balance before paying so no balance remained .... their collections department is now sending me paperwork in an attempt to collect a debt they do not legally have any right to, nor is it even owed. 

This bank must cease and desist all communication with me henceforth or shall be taken to civil court.
Product: Credit reporting or other personal consumer reports

XXXX does not report a Bankruptcy but Experian and XXXX does so I would like for it to be removed from all. Thank you.
Product: Credit card

I have a Walmart Card with Synchrony Bank. When I opened the credit card I had a balance of {$500.00} in 2014. I was offered not interest on the card for 3 or 6 months. I paid my payments each month, and I also paid off my balance. Every time I paid the full balance, I got a letter from Synchrony Bank stating that they reviewed my credit report, and due to my score they will need to lower my balance. They did this each time I paid the full balance. My credit balance went from {$500.00} to {$100.00}. When they first changed my balance, I did not know, and they lowered my balance below what I had charged. This change in my balanced cost my payment to change from {$25.00} to {$30.00}. When I received my next bill, Synchrony Bank had charged me an additional late fee. I do not understand how a credit card company can practice Re -pricing based of off unrelated accounts. I truly believe I am being discriminated against because of my race, and because I continue to payoff my balance on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these two accounts with XXXX to no avail. They are in violation of the FCRA. They refuse to investigate accurately.
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 right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX  account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 items 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 reasonable cause to believe that the information is inaccurate.
Product: Student loan

For the last 3 weeks, I have contacted VSAC to inform them of a drastic, unexpected change in my personal and economic situation that prevents me from making the same level of payments on my student loans. Each time I contacted them, one person after another failed to help and made inconsistent statements about solutions. The latest email said I am eligible for at least 31 months of payment suspensions but they would not process this request even after I provided explicit documentation that my expenses nearly match my income at the moment and nothing will change in 6 months. I requested the maximum time of forbearance and VSAC has still not processed the request. Instead, they have wasted my time by making me call them instead of engaging in an efficient and effective written dialogue by email. This means that instead of actually solving the problem, they waste my time on a Friday ( a working day ) to have to call them and STILL they do not solve the problem or process the request in a timely manner! On XXXX XXXX, I called them and it took nearly 15-20 minutes before someone answered the phone and even then, they filled out a request that had the WRONG period of forbearance from what was requested and discussed on the phone and the written request I made so many times with supporting evidence. It is beyond frustrating that on top of my own personal and economic hardship issues, I have to deal with VSAC and the level of inefficiency and incompetence in their practices in dealing with me as a borrower. I have consistently made payments over and above what was required and all I need is some help for a longer period of time till I can improve my financial situation and get to a point where I am able to make the SL payments and still survive! I can not do that if VSAC and other agencies such as ACS-Education refuse to work with me reasonably and instead make it more difficult for me and then this impacts negatively on my credit and my ability to improve conditions. I need your help to solve this issue urgently and quickly for a long term solution. I need the maximum forbearance that I am entitled to and eligible to the extent of at least 31-36 months without impacting my credit so taht I can try recover from the drastic change in my economic and personal circumstances. Six months is NOT enought and I need your help to convey that and get a more balanced, reasonable solution to my student loan debt burden. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding the handling and verification of disputed items on my credit report. This letter serves to address XXXX noncompliance with federal law as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX, XX/XX/year> I submitted disputes to Experian regarding inaccuracies on my credit report. These disputes were submitted in accordance with my rights under the FCRA. However, Experian has failed to adequately fulfill its statutory obligations under the following provisions : 1. Failure to Reinvestigate ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Experian is required to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving notice of the dispute. To date, Experian has not provided sufficient evidence that it performed a reasonable reinvestigation or verified the accuracy of the disputed information. Instead, the items remain on my credit report without proper validation. 

2. Failure to Provide Results of Reinvestigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Upon completing its reinvestigation, Experian is mandated to provide me with the results and the methods used during the investigation. I have not received an adequate explanation or documentation detailing how Experian arrived at its conclusions regarding the disputed items. 

3. Failure to Correct or Delete Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : If Experians reinvestigation fails to verify the accuracy of disputed information, the FCRA requires that such information be promptly corrected or deleted. XXXX failure to take corrective action constitutes a clear violation of this provision. 

These violations have caused undue harm to my creditworthiness and financial reputation. I am requesting that the CFPB intervene to ensure that Experian complies with its legal obligations under the FCRA. Specifically, I request the following actions : Conduct a full and complete reinvestigation of the disputed items in compliance with the FCRA. 

Provide a detailed explanation of the reinvestigation process and the methods used to verify the disputed items. 
Delete any negative accounts or information that can not be verified as accurate. 

Ensure that Experian implements procedures to prevent future violations of the FCRA.
Product: Mortgage

I was contacted via mail regarding a streamline mortgage refinance. I was quoted a new rate from 3.125 % to 2.75 % and a new mortgage payment from {$1000.00} to {$1000.00}. By time I met with the notary, I had some documents stating the exact amount quoted and other documents with a mortgage payment of {$1100.00}. I reached out to my lender who I originally did the refi with, XXXX XXXX NMLS XXXX who advised me the change was due to my homeowner 's insurance increasing. I reached out to my insurance company only to be told no increases were ever made to my policy. I then reached back out to the lender with this info only to be told somehow the discrepancy was MY fault for not sending over documents. I sent over all documentation when requested. I then asked for a manager ( Named XXXX  ) who was very condescending and repeatedly interrupted me stating I should have read the documents before signing. Closing documents consist of XXXX pages. He then proceeded to try and tell me the original amount was based on the info they retrieved regarding my homeowner 's insurance payments, however, THEY make my insurance payments directly so how could they quote the incorrect amount. I was NEVER once advised of the change in amount until I made the complaint. I have the Closing Discolures for the original amount quoted as well as the new amount they created.
Product: Checking or savings account

There are 59 UNAUTHORIZED withdraws against my checking account that I did not authorize between XX/XX/XXXX / XX/XX/XXXX
Product: Mortgage

My mortgage is currently in foreclosure with an auction date of XXXX. The nationstar agent and i reviewed my transaction report and agreed i am no only current but ahead of payment schedule. They said they could not complete due process by the XXXX date and the only alternative, given the time frame, is to send them almost XXXX. I began in XXXX trying to find out why they think i owed them XXXX. It was the last of XXXX when i received a foreclosure letter. I have documentation but the form will not allow me to upload it.
Product: Payday loan

Borrowed {$600.00} dollars from cash net usa. My understanding was I would make XXXX payments then I would be done. But, they are charging excessive fees and interest that equals {$610.00} XXXX of XXXX : {$600.00} Outstanding Balance :? {$610.00} Available Credit : {$100.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$180.00} Scheduled Payment Date : XX/XX/XXXX I have already made XXXX payments {$140.00} and {$220.00}. {$610.00} is excessive for borrowing {$600.00} dollars. How can this be legal? It is unfair treatment. I live on XXXX. and {$600.00} is almost the amount I receive every month. {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts and Information 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I checked my XXXX XXXX account and was made aware that my Borrowers first account was closed and transferred to a new company. I have no clue who this new company is. I tried to login to borrowers first and it said I needed to call the customer service number and there is only a busy dial tone. I still have the {$290.00} auto payment being auto drafted from my account and no clue where my money is going and what 's the current balance of my loan.
Product: Credit reporting or other personal consumer reports

Experian has repeatedly kept an inaccurate collection utility account from XXXX on my credit report, despite ( XXXX ) XXXX having admitted that the account was never sent to collections, and ( XXXX ) XXXX 's having failed to provide Experian with any documentation reflecting a collection account ( because none exists ). Multiple attempts to correct this error have been refused by Experian.

After the latest attempt, Experian " updated '' my account to reflect the Collection account has having occurred in XXXX of this year, rather than in XXXX of XXXX, resulting in a significant reduction in my credit score due to the reported recency. This is despite the fact that the final payment on this account ( of {$63.00}, for a post-account closure bill that was never received ), was made in XXXX of XXXX, and I have had no business with this company since then. Experian is thus now falsely reporting that this account was delinquent well over a year after the final payment was made, apparently as a punitive response to my disputing the errant collection account designation in the first place.