23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

It's the Nordstrom Retail Credit Card. However, I've learned that Nordstrom credit cards are issued by TD Bank USA, N.A. Nordstrom is TD Bank USA, N.A.s service provider for the Nordstrom Credit Card program. 

I submitted returns in XXXX. It's XX/XX/XXXX, and they still haven't credited the returns to the account. They show on the XXXX and XXXX statements, but when I called, I was told they weren't officially processed. 

In my XXXX billing, I hadn't paid the full balance, because I knew I didn't actually " owe '' any additional funds. I had made other payments, but I knew that I had an additional {$200.00} coming. 

What really bothers me, is that Nordstrom gets to decide when to process those returns. In the meantime, they've charged me both interest and a late fee for not paying the final amount ( that I would ultimately get credited back ). 

It's also not like the returns were sent back a week ago, they were returned in XXXX XXXX. It's late XXXX. Incredibly deceptive and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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 XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by this group in XX/XX/XXXX and spoke with XXXX XXXX who stated I had an " installment '' loan. I requested a validation letter, which he emailed me. It had no recognizable information and I replied with a letter stating this was not my debt and to please cease collections. I got THREE CALLS today from a woman representing the same company, she was rude and harassing. I stated I had returned a letter disputing the debt and she said it " did n't matter '' and that if I did n't pay TODAY I would be sued. Left an additional voice mail again stating that if I did n't pay today, I 'd be sued. I believe they are aware this is a false debt and are still issuing threats to attempt to collect.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to investigate a dispute I submitted regarding inaccurate information on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, using tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I requested an investigation into inaccurate items on my credit report, and I also disputed incorrect personal information listed on my report. To assist in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. 
However, I received an email response from Experian stating the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is troubling, as under the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation. It appears that Experian has failed to comply with this requirement and has not conducted a proper investigation into my dispute. 
As proof of my dispute, I am including a copy of my original dispute letter, USPS certified mail proof of delivery, and Experian 's email response.
Product: Mortgage

Funding from the XXXX XXXX XXXX XXXX were sent to Midland Mortgage and were not utilized properly. These funds were to be applied to offset the amount owed from a Covid Forbearance. However, the funds were held over 90 days, the allotted time in which they should've been applied. By withholding the application of these funds, it has forced me into a modification of my loan resulting in a higher monthly payment, higher interest, longer term, and overall price of our loan/home has increased. My original payment has increased from {$1000.00} a month to {$1200.00}. This is a significant change and creates a hardship. This is entire situation is fraudulent and needs to be rectified immediately. Midland Morgage/MidFirst Bank should be investigated, no telling how many others have been affected in the same manner. Reputational Damages will result from this, and I will be seeking the advice of a Lawyer. 

They are very poor with communication. I have not received any communication regarding this issue in over 8-9 months possibly longer.
Product: Payday loan, title loan, or personal loan

We took a title loan on our XXXX XXXX last year. We were toldat the time of the sale we would receive any overage within 30 days. The car was autioned XX/XX/2019. Time went by and we heard nothing from LoanMax/XXXXXXXX XXXX. Not a phone call, letter, emailb text message. We called for information and were told we did not receive our overage because we did not request it. We owed money and our car was sold per the terms of the loan. Fair enough. 
We needed less than 1 week and {$200.00} to pay the loan in full. LM would not accept partial payment nor hold the car for 5 days. We are now due in excess of {$9000.00} and have not received a response even close to acceptable. My husband left 3 messages for a supervisor with no response. He called again last week and was told we had to wait another 120 days for the check to be issued from XXXX  to LM and another 60 days for LM to issue the overage to us. Unacceptable.
Product: Credit reporting or other personal consumer reports

i reached out to experian and the company which is mindland credit they agreed to remove the collection and its still there XXXX keeps refusing to move it
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below DISCOVER BANK XXXX
Product: Debt collection

Midland Credit Management continues to contact both me and close family. I learned that today, XX/XX/2021, that a close family member was contacted in regards to an alleged debt. The agent on the phone disclosed information about alleged debt that they are not legally privy to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to remove a security lock on my Equifax credit file but after countless hours on the phone they have not figured out why they can not unlock my credit file. They claim its a technical error but my Equifax has a lock on it and it can not be unlocked so my mortgage lenders can pull my credit for me to obtain a mortgage. 

Equifax transfers me from person to person, department to department and no one can fix my problem. Im attempting to get a mortgage and need my Equifax report to be unlocked. This is debilitating for me as a consumer. Very unprofessional staff - nobody seems to know what they are doing at Equifax.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN I HAVE SENT INFORMATION REQUESTING PROOF OF SIGNATURE OF SAID LOAN AND PROOF OF ACKNOWLEDGEMENT OF DEBT OWED VIA CERTIFIED RECIEPT VIA CERTIFIED MAIL INWHICH NEITHER WAS EVER GIVEN NOR RECEIVED FOR ACCOUNT NAMED XXXX # XXXXXXXX XXXX NAME XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCAPITALXXXX had an inquiry on my account via XXXX XXXX that I did not authorize
Product: Debt collection

I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a XXXX XXXX  XXXX. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with XXXX XXXX  XXXX  witch the third company.
Product: Credit reporting or other personal consumer reports

Again on XX/XX/XXXX my transunion score plummeted XXXX points for no unknown reason. No derogatory info on my file?
Product: Bank account or service

PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated. 
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is.
Product: Debt collection

I notified Harvard Collection Services LLC on XX/XX/XXXX regarding a class action law suit against XXXX XXXX XXXX XXXX XXXX XXXX which was the supplier of my XXXX XXXX XXXX account. I informed them that these charges were inflated charges that resulted in a class action law suit for several claimants, myself included. I spoke to XXXX XXXX, today XX/XX/XXXX at XXXXXXXX XXXX and she informed me that she received my documentation and my account has been placed in dispute status of XX/XX/XXXX. However, despite my account being placed in dispute status, Harvard Collection Services continue collection actions as I received a letter ( dated for XX/XX/XXXX ) today XX/XX/XXXX. According to the Consumer Financial Protection Bureau and the provisions of the Fair Debt Collection Practices Act, the collection agency must stop all collection activity once a dispute has been received and the required verification has been provided to the consumer. Their continuance to collect this invalid debt is a violation of the Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

On XX/XX/XXXX, I contacted Ford Motor Credit to have the Lousiana Servicemembers Civil Relief Act applied to my previous account that was opened in XXXX of XXXX and closed in XXXX. During this time I was XXXX XXXX military and my interest rate was above the interest rate set in place by the Louisiana SCRA. I reached out to the company and notified them of this as well as provided the company with the Louisiana law to reference and was denied by the company 's legal department, even upon my request that they review the revised Louisiana version of the law in saying that the account was opened during my military service and while I was stationed in North Carolina. I am now stationed in Lousiana as of XX/XX/XXXX. This Act applies to me, however the company will not honor it.
Product: Vehicle loan or lease

Ford motor credit repossessed my vehicle while I was in the hospital for 64 days, having advised them suffering for XXXX XXXX without notice to make payment current, without notice of repossession, without notice of sale. The lender is required by law to have notice delivered by verifiable mail with tracking.
Product: Credit card or prepaid card

How are you doing? I was shocked when I reviewed my credit report and found late payment on both of my credit cards with you guys ; XXXX XXXX-30 Day Late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. they didn't try helping me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  is a fraud account in my credit profile reported by Experian. An account attached to an identity theft act. This does not belong to me and is attached to an address I never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX ) {$470.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have disputed this situation for years with XXXX XXXX and Equifax Credit Bureau. Pertaining a bankruptcy, a chapter XXXX and a chapter XXXX I have submitted forms from the US Bankruptcy court and from XXXX XXXX stating their information was deleted. The courts told me that they do send the credit bureau no one information or verify. But when i dispute it, they come back and tell me that the US Bankruptcy courts verified it and it's a lie. So please help me clear this bankruptcy off my credit report. 

contact me at XXXX XXXX XXXX
Product: Credit card or prepaid card

I can not recieve my prepaid card and their customer service does not answer phone
Product: Vehicle loan or lease

I XXXX XXXX on behalf of the XXXX XXXX XXXX XXXX, tendered to Capital One a Special Deposit along with a Notice of Subrogation and Notice of Rescission by USPS Express Mail XXXX which was delivered XXXX concerning an Auto loan with account # XXXX. Capital One did not respond. A certified USPS mailed follow up correspondence # XXXX was sent and received XXXX. The correspondence questioned why wasnt the original promissory note used to set off the loan and why was the above mentioned special deposit not credited to the account. Furthermore, I requested the GAAP Accounting for the said account, to include the account payables and account receivables, still Capital One is yet to respond. As a result, I completed a forensic audit of the account with a certified agent who is also willing to testify on the findings if necessary. The audit discovered numerous violations from Capital One. A trust agreement was created where Capital One created a bond with a second trust pool of securities with XXXX XXXX which was securitized and placed on secondary markets in countries outside of the United States. These countries are not listed on any chart within their prospectus provided to the SEC. These are major securities fraud and can also cause further tax implications with the IRS. The said bond also generated several XXXX dollars of revenue and yet I XXXX XXXX still have to service the loan with monthly installments. The said account receivables were also put in a previous original trust pool of securities that generated over XXXX XXXX dollars ( {$1.00} XXXX ). Capital One also violated TILAs 72 hour rescission addendum on the loan agreement. The above listed illustrations are only a few of the numerous ways Capital One violated the trust agreement from my account receivables. As an investor, Capital One never responded to my correspondences. I would therefore like a full investigation of my account. The account should also be fully discharged and I would like an eighty percent ( 80 % ) recoupment of all collateral securities rights, titles, interest and profits. Nonetheless, if my requests are not fulfilled, I will be forced to apply the full extent of the law. Without Recourse XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. GM Financial   XX/XX/18 XXXX XXXX XX/XX/18 XXXX Bank XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX
Product: Debt collection

My identity was stolen in XXXX when I was a minor in high school. Despite telling the collection agency this and attempting to rectify the situation back in early XXXX by filing a police report and going through the proper channels the collection agency REFUSED to remove the debt which has severely impacted my life the last 5 years.
Product: Credit reporting or other personal consumer reports

XXXX : # XXXXXXXXXXXXXXXXXXXXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights.