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

On XXXX XXXX, 2021 I received a form letter from Nordstrom stating that it had " blocked '' an account for " security. '' The day it issued the card, it says, {$800.00} was charged to the card, so it blocked it. The charges occurred at two stores fifty miles from my home. There is a Nordstrom store three miles from my home. I wrote a letter to Nordstrom, on XX/XX/XXXX, stating I have no credit card relationship with Nordstrom, never had. I received phone calls from Nordstrom, restated the fact that Nordstrom and I have no legal relationship whatever. I confirmed the statement a second time by letter dated XX/XX/2021. " Nordstrom '' refuses to go away, it keeps sending monthly statements, robo calls, and now states it has reported its claim to a credit agency. I wrote a third letter, dated XX/XX/XXXX, enclosing a copy of my driver license and a copy of the State Bar of California page showing I am licensed to practice law. I repeated that whoever and however Nordstrom issued a card, it did not issue it to me. I demanded all documents which show how it issued the card and what facts it possesses that supports its claim it issued the card to me. " Nordstrom '' has not responded in writing to the letters. I am XXXX, a male, and have never purchased anything in a Nordstrom store. How to make this block of stone stop harassing me? Suing it is not a solution for a XXXX year old man with severe congestive XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the items listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  AND EXPERIAN IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.
Product: Student loan

My student payments automatically withdraw from my account for my consolidated federal student loans that are currently being serviced by Navient. I have never had a late or missed payment in over 11 years. When I looked at my bank statement, Navient increased my payment from XXXX to XXXX without my permission. When I called to ask for an explanation of the increased payment, Navient stated that 11 years ago they miscalculated my payment. I have no way to verify, and also believe this to be the issuer 's error, and not my own. I agreed to an original payment amount, and have honored my commitment for over 11 years.
Product: Debt collection

Today, XXXX XXXX, 2017, a representative from Allied Interstate shared personal information with my employer at approximately XXXX Pacific Standard Time. This was the second call from Allied Interstate at my work today, the 6th or 7th call from them since I notified them via there website that I was not allowed personal phone calls at my place of employment.
Product: Credit card or prepaid card

I signed for an American Express Blue Cash Everyday Preferred credit card last year. The card was supposed to waive the first year of annual fee. In XX/XX/2019, I called customer service of AMEX inquiring about the exact time of incoming annual fee for the second year. I was told my annual fee will not be charged until XX/XX/2019. However, my credit card was charged a so-called " prorated '' annual fee on XX/XX/XXXX without any explanations. In the XX/XX/XXXX phone call, I specifically asked when my credit card would be charged the annual fee and the customer just stated the annual fee would be charged in XX/XX/XXXXwithout disclosing the " prorated '' annual fee. I called the customer service again trying to resolve the issue. The customer service said she was going to dispute the charge without guarantee of canceling the charge. By the time I am writing this complaint, 144 hours has passed without a respond from American Express. 
I strongly protest such deceitful business practice and therefore file this complaint.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$320.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX  XXXX {$720.00} XXXX XXXX {$390.00} cXXXX XXXX {$640.00} XXXX XXXX  {$11000.00} b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

" During a phone call on XX/XX/XXXX, you clarified you were not asking for a copy of the Note, but rather you were requesting a document which showed the rights of this loan was transferred from Countrywide to Bank of America. Due to the MERS HELOC Deed of Trust, we are unable to provide a paper Assignment of Mortgage. However, this is public information, and you can contact the XXXX XXXX XXXX XXXX for the Assignment of Mortgage, if needed. For your convenience, we have enclosed a copy of the Deed of Trust and Note. '' Please refer this response above from Bank of America from my last complaint. 

I was not asking copy of the deed of trust and note. I already have those in my file. I again rechecked that XXXX XXXX XXXX does not have any paper assignment recorded from Countrywide to Bank of America when Bank of America acquired this MERS HELOC Deed of Trust as you are mentioning. Also I am not sure whether Bank of America did any assignment to another bank even thru MERS and not by paper when the servicing was transferred to XXXX XXXX XXXX on XX/XX/XXXX. Please disclose that information if any assignment was done to another bank. This information is very important for me as consumer in the context of NRS 106.210 which is as follows : XXXX of assignments of mortgages or beneficial interests in deeds of trust ; constructive notice ; effect of unrecorded assignments. [ Effective XX/XX/XXXX. ] 1.Any assignment of a mortgage of real property and any assignment of the beneficial interest under a deed of trust must be recorded in the office of the recorder of the county in which the property is located, and from the time any of the same are so filed for record shall operate as constructive notice of the contents thereof to all persons. A mortgage of real property which has been assigned may not be enforced unless and until the assignment is recorded pursuant to this subsection. If the beneficial interest under a deed of trust has been assigned, the trustee under the deed of trust may not exercise the power of sale pursuant to NRS 107.080 unless and until the assignment is recorded pursuant to this subsection. 

2.Each such filing or recording must be properly indexed by the recorder. 

So Bank of America is requested to answer specifically as follows : a. Any paper assignment recorded from Countrywide to Bank of America. answer yes or no? 
b. Any subsequent paper assignment recorded from Bank of America to another bank or debt company. answer yes or no?
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX and again in XX/XX/XXXX I requested both XXXX and Experian remove XXXX XXXX XXXX XXXX from my consumer report. As a federally protected consumer these agencies have a duty to report complete and accurate information. Despite it clearly stating in the data reported by XXXX XXXX XXXX XXXX, I opened the account in XXXX nothing was reported until XXXX when because of the pandemic I was unable to make the XXXX payment. Although I had not ever had a late payment until that time. XXXX had never reported the positive payments from XXXX only the negative ones. The total debt was almost XXXX, I was forced to do a warranty in lieu of deed for just under XXXX in XXXX. I contacted the company to seek relief before falling behind and found No assistance was offered even tho people could not even travel or use timeshares at that time. My only option was the Warranty in Lieu of deed. I did strongly state that this should not be reporters to my credit report now especially in light that it was never reported before. I then contacted the reporting agencies to remove the inaccurate information once I saw it was in fact reported and they refused to do so. This is my personal information and I have a federally protected right that it be reported accurately. Under 15 USC 1681 pure accuracy is what is expected in consumer reports and the reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Further there is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness, impartiality, and a respect to the consumers right to privacy. It is clear from my 2 attempts to have these entries removed that these agencies have not done what they are supposed to be doing. It is the purposes of this subsection to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR and EQUITABLE to the CONSUMER, with regard to the confidentially, ACCURACY, relevancy and proper utilization of such information in accordance with this subsection. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX violated this subsection and has done so thru the consumer reporting credit agencies XXXX and Experian. Violating 15USC1681 as well as 15USC1681b the privacy Act of XXXX and 16 CFR 433.2 as they have both twice now dismissed my complaint, a clear violation of the above referenced federal consumer protections. In addition I reported to both agencies that XXXX, another consumer credit reporting agency does NOT have this information anywhere on my consumer report. Under 15 USC 6802 I the consumer choose to opt out of this account to be reflected be anywhere on any of my consumer report files. The XXXX report should be identical and currently they are NOT.
Product: Credit reporting

I received XXXX letters in the mail, from Experian and XXXX, respectively, that informed me that an initial Security Alert had been placed on my credit report " at your request ''. I did not request such an alert. The phone number associated with the request ( XXXX ) has no relationship to me and is in another state ( California ). Attempts to reach someone at this number were unsuccessful - the number connects immediately to an answering machine ( my messages have not been returned ). I was able to view my credit report on Experian but there is no way to change the information about the security alert. I will be unable to receive credit for the next 91-120 days because all potential creditors are being instructed, through the credit report, to call this number to verify my identity. I am preparing a letter to Experian but I am not sure how successful this will be. Are there other steps I should be taking?
Product: Bank account or service

I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.
Product: Mortgage

missing a payment by a few days shell points auto attendant is a nitemare calling as many as dozen times a day usually with someone that can't speak good English and refuses to identify themselves told them covid has affected my work past 12 weeks and now just a few days late they are pest asked them as to not call will make payment within couple weeks and will be caught up to date still call dozen times or more to home and work site ( which I am no longer there ) and leave messages with operators urgent personal business must call immediately
Product: Debt collection

I did not consent to authorize nor benefit from any of the listed account ( s ). Block and Remove.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX
Product: Credit card

Identity Theft, I saw lots of people 's information, credit card or acct information got stolen or maybe got sold to someone else on social media. All Transaction are out of state in TX and out of county in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I communicated with Synchrony Bank - Lowes In the month of XXXX due to job loss, they were great on setting me up on a fix payment amount of {$37.00} made a payment on XXXX XXXX I am a XXXX and was hospitalized on XX/XX/XXXX after extensive testing was admitted for XXXX spent about 10 days in the Hospital. The first week of XXXX I contacted a Synchrony Bank -Lowes XXXX explain I was in the hospital and the rep offered me a program to defer the current months payment ( XXXX ) to give me enough time heal and re pick up payments in XXXX, she explain this " deferement '' option was directed to people with hardship due to XXXX and explain Synchrony/Lowes will not charge me a late fee nor report any negative payment history on my credit profile, I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./Lowes. Communicated with Synchrony/Lowes and they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls.. This 30 day late should of never reported on my profile as the Synchrony bank/Lowes agreed to do deferment.
Product: Bank account or service

Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times
Product: Debt collection

This is a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Mortgage

In XXXX of XXXX my husband and I closed on a loan with Rocket Mortgage. 
First problem was the lenders fee was over XXXX more than he had quoted after promising that amount. We have never received any documentation about interest paid on the mortgage loan for XXXX. Never received any information on the appraisal. I don't think I have ever had a home a appraisal where someone walked in with their cellphone waiving ( literally ) around taking photos and left in no more than 10 or 15 minutes. That was done by XXXX. 
About 10 days ago I arrived home from a XXXX XXXX. Which I have been enduring since late XXXX. Up pulls the XXXX with an unkind letter from XXXX XXXX with XXXX, claiming we have been unresponsive to her emails ... ... .SHE HAD THE INCORRECT EMAIL. Also commenting we had been incorporative. We have had the same cellular phones for over 15 years. She needed a copy the warranty deed, they didn't have couldn't find. She is titled as a Post Closure Specialist. We have complied with every request. They wanted an Ariel View of the property we did it, whatever they have needed we went down to the courthouse and found it not the title company. We have now sent them a copy of the warranty deed. THIS IS BEYOND BELIEF. THE LOAN CLOSED LAST XX/XX/2020. I will not be doing business with them in the future. Just received a closing paper in a pretty red and black box last week. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with CitiBank in XX/XX/XXXX, and funded the account approximately 3 weeks later in XX/XX/XXXX. On XX/XX/XXXX, the account was closed without my knowledge and I was not contacted. I logged into the online banking system on XX/XX/XXXX and the money was gone from the acct and it showed closed. I have called more than 5 times and gotten 5 different stories that the account was closed due to suspected fraud, even though I transferred the funds from another bank and verified my account and personal information with them multiple times. 2 weeks later I dont have access to the money and am being told it will be longer. At one point customer service told me they would be reopening the account but that was a week ago. I have waited on hold for hours and gotten nowhere. I would like to have access to my money that I deposited.
Product: Debt collection

I was a victim of identity theft a few years ago-it was with XXXX. I reported it then and froze my credit reports, but now a collection agency-Jefferson Capital Systems is trying to collect this debt that isn't mine. It is ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : 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 XXXXXXXX. YOU, XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Product: Debt collection

I received seervice at XXXX XXXX XXXX, after the invoice was genereated we agree to payments debted automatic from my account, after XXXXXXXX XXXX had passed a collection agency was taken my paymnets withouth any explanation ( Gobal Receivable Solutions Inc XXXX we concluded that a new agreement was settle to make payments of {$140.00} starting XXXX XXXX after XXXX XXXX they accepted know a new collection agency is trying to collect the money without any knowledge