23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Nordstrom / TD Bank I been living out of the country for over 6 years, and I'm extremely shocked, I have return home from traveling XXXX  XXXX  in villages and 3 rd world countries. I see a debt that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because. I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent XXXXwo months doing my part and they are not complying with law
Product: Credit reporting or other personal consumer reports

I received a credit decision report or copy from a company that I do not recognize. It made me more suspicious because TransUnion is used as the reporting company. I would not want to explain more without attorney representation or professional help because it is apparent that my own words would be used against me and/or get sliced and/or butchered by a fearless bullying gang of unforgettable punishment which for some unknown reason is allowed to occupy my privacy rights by aggression and/or create fake jobs that would be added to the economy. Life is given to man by XXXX, Life is not given to man by man. What a wisdom?!
Product: Credit reporting

In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to all creditors involved.I have attempted to contact the companies many times to have our credit information to be updated. OUR Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by YOUR company and my credit score impacted further- this is in VIOLATION of the bankruptcy of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

It seems that I call and call, I try to opt out and all this for years now. 

I have asked Capital One to remove me from their mailing lists. I keep getting this XXXX ; What do I have to do to get them to stop? Do I have to go there in person? 

MY Name : XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX I WANT THEM TO STOP MAILING ME CARD OFFERS! ( OR ANYTHING ELSE )
Product: Checking or savings account

My wife received a text message on XX/XX/2023. 
The message read : CARD : XXXX Use this one-time verifi cation code to completesign-in. We'll never call, emial, or text you you for this code. Card : Welcome, XXXX! Stay up to date on your fi nances with our Premium Banking app. Easily download it here : cardpremium.app.link Last week ( XXXX XXXX ) we received a debit card in the e-mail, with a routing # and an account # listed in the letter. 
The sender address was : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX We suspect a bank account has been opened in my name. I would like the account closed. 

I visited the card 's website ( Card.com ). The website CARD ( premium back account by XXXX  ) had only one number I could find to contact them. In the FAQ section, there was an " Account Support '' number ( ( XXXX ) XXXX ). On calling this number, I could not go any further without entering my Social Security number. I did not want to enter this, and was stopped there. I have not found another way to directly contact these people. 

I have put a freeze on my Credit score with all 3 credit report companies ( XXXX, XXXX, and XXXX ). 

I have filed a complaint with FTC ( Feral Trade Commission ). 

I contacted my local XXXX XXXX XXXX  They suggested several courses of action. Filing this complaint was one of them. 

I have put out a Fraud Alert through XXXX.
Product: Money transfer, virtual currency, or money service

I was buying wheels off someone on XXXX and they sent {$600.00} dollars to someone and it wasnt him and I ended up losing XXXX dollars and wasnt able to get them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waypoint Resource Group LLC reported an account to the consumer bureaus before their 45-day policy of doing so due to a 7-day processing lag. When calling them out on this, the supervisor assured me that this account would not be reported and provided to me in writing that a request to delete the account from my consumer reports would take place. Surprise, it is showing on my consumer report. I have provided documentation here.
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent debt with XXXX and XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and I noticed information that belongs to some else Fraudulent statements. it's affecting my credit
Product: Debt collection

Trident Access Management is on my credit report. I had to XXXX the number and it took several days for someone to finally pick up. I did not have a file or reference number because I never received any information about the debt so I did not know I owed. The customer service rep informed me that they sent 2 letters out. One letter was sent 2 years ago and the other 1 year ago. She confirmed it was sent to the wrong address. An address which I have never resided. They have never contacted me by phone or email either. Although she confirmed having the wrong info, they still will not verify the debt and it still remains on my credit report. They said they will not remove it even if I pay although they know I was never contacted about the debt. I believe this is unfair credit reporting when the wrong address was verified to me. It has been 3 weeks since correcting the address and they still have not sent any verification that would give me a chance to dispute.
Product: Debt collection

Called me multiple times, explained to them that they are calling the wrong person. They also keep sending texts asking for a completely different person/name than mine.
Product: Mortgage

I made a mortgage payment to M & T bank on XXXX/XXXX/15 on their online website. On the same day, I made another payment for our escrow shortgage on their online website. I received a confirmation number for XXXX transactions and made printouts of the same. Now I am told I am behind a mortgage payment because I made XXXX payments on the same day so it cancelled out XXXX! The funds were in my account on the day I paid it, I have the confirmation of it and I do n't feel I should now have to pay it. There is NOWHERE on their site that it mentions not being able to make more than XXXX payment a day! What can I do?
Product: Debt collection

The debt supposedly is with the Utah State Tax Commission. I have sent several letters to the Utah Tax Commission, and XXXX XXXX. They refuse to provide information about the debt. Just a demand for {$280.00}. Now I have gotten a letter from XXXX XXXX  but again no explanation. I am not real familiar with Collection Agencies and what is required but to the best of my knowledge they have certain requirements set under the FDCPA. It is to my understanding that in those requirements the collection letter is to explain my rights and what to do if I disagree with the debt. Also explain what the debt is for or about. They merely sent a letter demanding I give them {$280.00}.
Product: Credit reporting or other personal consumer reports

I have filed several inquiries about the delinquent information on all three of the reporting agencies. I am a XXXX and don't have a XXXX account. That account is my mom and dads and he's been deceased since XXXX yet they won't take it off my report. The mortgage servicer also has reported incorrect information and has had lawsuits filed against them for their unfair practices. Due to system issues and the need to try to generate late fee income is why these services do the things they do. I had a complaint about why my mortgagee went up {$400.00} and I'm going around in circles with eh servicer saying to check with the other.The previous is stating per your site that it doesn't look like should be that much and the new servicer saying the old miscalculated the escrow. There has to be a better way.
Product: Debt collection

Upstart XXXX Inc is alleging I owe a debt that is not. The debt has been canceled and reported as income to the IRS since this is income it can not be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX 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.
Product: Student loan

This is the 3rd time it has happened and this is the 3rd time I am submitting a complaint on CFPB for the same fraud attempt by Navient ... ... .. Navient has again, wrongly applied my federal student Loan payments, ( Cashiers check # XXXX, cashed on XX/XX/2019 ) for loan ID ; XXXX, XXXX and XXXX, to loan ID : XXXX. I had both written the instruction on the check and sent in a separate letter with written instructions, as they instructed, but for some reasons, they again decided to apply the payment incorrectly. 

I am starting to believe that this is an attempt from them to fraudulently apply the amount on a loan without any authorization!
Product: Credit reporting

Improper inquiries were placed on report and not properly investigated by Transunion. 
As followed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Unauthorized accounts have not been verified after several request XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EXPERIAN permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EXPERIAN giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.
Product: Debt collection

Receivable management is falsely reporting a debt not owed on behalf of XXXX XXXX! In addition they are attempting to re-age the account on my credit report by increasing and decreasing the balance by {$1.00} multiple times a month. As a result, it updates the last activity and appears that this Is an open account instead of a charged off collection. This is against the law especially because theyve failed to validate the account and give me the right to dispute. Ive attached proof of their practices. 

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. 

My rights dictate my ability to obtain this information and until it is properly and factually updated, cease reporting to all credit bureaus and delete this account from XXXX  upon receipt of this complaint. Failure to do so Will result in legal action against your company for its predatory collection processes. 


A debt collector can not charge interest or fees that weren't defined in original contract. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). So, if this contract didn't include a late fee, then a collector can't tack one on.
Product: Money transfer, virtual currency, or money service

Money was send without consent or I sent money by mistake and lost money
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Federal student loans to attend law school. My diploma has been withheld since XX/XX/XXXX because I allegedly did n't pay tuition to the school. That bill was discharged in Ch XXXX filed in XX/XX/XXXX. Actual student loans were not discharged although I asked for it because I was never given my diploma although I graduated. My student loans are now at over {$160000.00} for a degree I never received. This year my payments were tripled to {$350.00} a month. I can not pay and applied for forbearance which has been repeatedly denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recentlyreviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report I'm also unable to get my XXXX report. I have multiple hard inquries from unknown sources as well. I have a current account with XXXX XXXX i don't owe them I don't know what the two accounts listed on XXXX are and its not on transunion. I have listed my current bill with XXXX XXXX in the documents. 
Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXX XXXX XXXX XXXX UNKNOWN ACCOUNT ) Inaccurate addresses XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE 44 HARD INQUIRIES ON MY REPORT SOI WILL LIST THEM IN THE DOCUMENTS ONLY
Product: Mortgage

*****THIS COMPANY IS A SCAM***** In 6 months of working with XXXX and XXXX, they have refinanced 0 out of 5 of our loans. They have lied about their process and told us in email multiple times that they were going to order appraisals and that loans were going to be approved " by the end of the week '' on several occasions. To this date in time, they have not refinanced any of our loans and they are refusing to give us a refund. 

XXXX XXXX has told us multiple lies which we have in emails from him. XXXX XXXX, the owner, briefly stepped in and said he was taking over the file but that lasted less than a week before he put XXXX back on it. 

After 6 months of waiting for them to just get one of our loans refinanced, something they never accomplished, we finally asked for a refund. Initially, they offered us less than half of what we paid them as long as we signed a release form and said that we were entitled to nothing. This was after XXXX induced us to sign a credit card authorization form for all 5 of our properties by telling us about their " Loan Guaranty ''. Now they are refusing to offer any sort of refund. 

We have already filed a complaint with Texas Department of Savings and Mortgage Lending and the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$0.00} CALIFORNIA XXXX XXXX ( Original Creditor XXXX WASHINGTON XXXX XXXX XXXX ) XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$97.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX