23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy Federal Credit Union apparently has sued me and is now trying to ask the court to garnish my wages. I have disputed this account because there are fraudulent charges that were made on this account, and it is not fair and illegal to not investigate and ask me to pay the bill. Please allow me the due diligence to dispute these items. Please resend me any and all transactions associated with this account, via email and USPS mail or respond back to this complaint with all charges. 
Court Case is Docket # Docket # XXXX. 
I have also contacted the Law firm that is representing Navy Federal Credit Union and the law Firm is Named, XXXX , XXXX XXXX XXXX XXXX , XXXX . and I have contacted them via email @ XXXX in reference to this Docket # and XXXX Responded back via email that I need to contact Navy Federal Credit Union in which I have been requesting information. So again it is not fair and illegal that a company can sue me AND deduct money from my paycheck without allowing me to dispute this or have this issue investigated.
Product: Debt collection

Recently on XX/XX/XXXX I filed a dispute with the credit bureau XXXX. I noticed this company showed up on my credit file as a loan account showing " IN GOOD STANDING/EXCELLENT PAYMENT '' history, I quickly filed a dispute with XXXX. I never approved of this loan, nor does it show up as an Inquiry on my credit file. They just popped up out of nowhere on my credit file. I never gave this company my personal information such as, date of birth, social security number, or address, and have no idea how they got it. Just after a few days of reporting I was making excellent payments, its now showing " delinquent '' payments, and " first payment never received ''. The attached document shows that I supposedly made an " on time '' payment in the month of XX/XX/XXXX which is not true. Very contradicting and suspicious company. I believe this is a fraudulent company trying to get money out of me. Please see attached supporting document.
Product: Credit reporting or other personal consumer reports

Previous attempt to the XXXX, XXXX and TransUnion to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,
Product: Debt collection

I first received a medical bill from XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of medical services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
Product: Checking or savings account

On XX/XX/2020, I opened a National Bank of Arizona checking account through their website. I funded the account with a {$50.00} electronic funds transfer from my existing XXXX XXXX  checking account. I received an email that said " your account has been approved and opened '' with instructions on how to verify two small deposits to my XXXX XXXX  account from National Bank of Arizona to verify the external account and instructions on how to set up online banking. I set up online banking and when the small deposits hit my account on went to sign in to online banking on the National Bank of Arizona app. When I went to sign in, I got an error message that said to call customer service. On XX/XX/2020 I called customer service and the agent I spoke to let me know that I needed to go into a branch to finish opening my account and verify my identity. I let them know that I am not comfortable going into a branch during Covid-19 because I have an immunocompromised child and we are self-isolating as a family. I asked if my account could instead be closed and the electronic transfer reversed. They said they would close the account. on XX/XX/2020 I received an account summary statement from National Bank of Arizona. I called customer service again that same day and they said the account was not closed and to call the local branch. I called the local branch and they said I had to come into the branch to close the account and reverse the electronic funds transfer. I told them I would have to think about it, as I don't want to go in and left it at that for the time being. On XX/XX/2020 I received an email that stated " If you do not validate your External Account within 60 days of opening the account, the account will be closed. '' so I decided to just wait that 60 days out and let the account close itself. On XX/XX/2020 I received the same email. The account was not closed after 60 days despite the fact that I never verified my external account. I received another account summary statement in the mail on XX/XX/XXXX. I called customer service again today XX/XX/2020 and was told that I had to go into the local branch to close the account and get the electronic funds transfer reversed " in this case '' when I asked what " this case '' was, they said they could not tell me anything " in order to protect the privacy of my account ''. So as of now, the account is still open even though the 60 days has passed since opening the account online and monthly maintenance fees are being charged.
Product: Mortgage

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my mortgage account with this bank. During the COVID-19 pandemic, I experienced significant financial instability, which led me to seek assistance from the bank in adjusting my payment plan. Despite multiple attempts to contact the bank, I did not receive any response, rendering me unable to afford the high payments at the time. 
It was only after the COVID-19 pandemic had subsided that I received a response from the bank. Subsequently, we were able to establish a new payment plan, and since then, I have consistently made timely payments, with no further instances of late payments. However, I have noticed that the late payments incurred during the pandemic have not been removed from my credit report. 
I understand the importance of accurate credit reporting, and I believe that the presence of these late payments on my credit report does not accurately reflect my current financial situation and payment history. I kindly request your assistance in reviewing this matter and facilitating the removal of the late payments from my credit report, considering the extenuating circumstances surrounding the COVID-19 pandemic and the subsequent resolution with the bank.
Product: Debt collection

X/XX/2017 Transworld Systems Inc. sending letter for extortion of {$240.00} For Creditor XXXX XXXX XXXX XXXX. These are illegitimate charges and are a form of extortion.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : US Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : CFPB Case Number XXXX ( Archived ) CFPB Case Number XXXX ( Disputed herein ) Illegal US Bank Business Practices Account numbers XXXX, XXXX, XXXX, XXXX To Whom it May Concern : I am writing to dispute the US Bank ( " the Bank '' ) response letter dated XX/XX/XXXX. On XX/XX/XXXX the Bank closed my credit card accounts and illegally seized my points without justification in violation of state law. 

1. The proposed settlement of {$480.00} represents a mere 50 % of the value of the seized Flexpoints, which are worth XXXX cents per point when redeemed for travel. 

2. The Bank violated XXXX Civil Code 1747.85 by closing the referenced accounts without prior notification. While the law does provide exceptions if the " cardholder is unable or unwilling to repay obligations, '' there is no evidence to support that claim. In fact, I have supporting documents which expressly contradict this claim and demonstrate the creditworthiness of the consumer at the time of closure. XXXX Civil Code supersedes the language found in the cardholder adhesion contract. Thus, the unilateral closure of accounts and seizure of points is without justification. 

I respectfully demand the reinstatement of all credit card accounts and the associated reward points. I intend to assert my rights until all accounts are restored or a more equitable settlement is offered. 

Thank you for your continued cooperation in this matter. 


Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX responded to CFPB complaint still opened with XXXX alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX XXXX, XXXX, and XXXX has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. XXXX reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. XXXX has been making new activity ongoing
Product: Credit reporting, credit repair services, or other personal consumer reports

RENT RECOVERY SOLUTIONS XXXX XXXX CLOSED ACCOUNT. 
DATE OPENED : XX/XX/2020 ORIGINAL BALANCE : {$6600.00} Collection This account is unauthorized and wasn't authorized by me. NO consent.
Product: Debt collection

On XX/XX/2020 I have sent letters to verified this derogatory this on my credit report and it is hindering my credit. The amount of Argentalre {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$630.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$650.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX. All three reporting agencies responded ; XXXX, XXXX and Transunion responded on XX/XX/XXXX, closed the complaint and did nothing. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Product: Credit card

Purchased around {$500.00} of merchandise from a company that never sent my order. I have tried to contact them about 6 times with no response. They will not refund me. Requested a chargeback with Discover, and they resolved the dispute in my favor for ONE charge from the company, but the other two were not resolved in my favor. I called Discover again in XXXX, and they said they would escalate my dispute and I have yet to hear anything. 

The company I ordered from, I learned, is notorious for taking money & never delivering their product. They have many bad reviews on XXXX XXXX. They are a XXXX based company, and their company dissolved in 2019 according to public XXXX gov company information. This business still operates on various social media platforms ( I'm assuming illegally ). My dispute has gone nowhere because the seller will not answer my credit card company, which means Discover automatically sides with the merchant.
Product: Checking or savings account

On XX/XX/XXXX, I went to the Wells Fargo branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX. I tried to deposit my check from my employer. I was told that because of possible fraud, my funds would not be available until two business days. The bank assumed that my actions were fraudulent and I believe it is because I am a XXXX person. I called Wells Fargo customer service and was transferred a few times. Each person at Wells Fargo I talked to had a different excuse as to why a hold was placed on my check. One person said fraud, another person said it was because of the previous Holiday, someone else mentioned that it was because XXXXXXXX XXXX declined the check, and another person said that the check was declined because the Federal Reserve declined. 

My check eventually was cleared and the funds were released to me but not after I was humiliated and told it was fraudulent. I want a detailed analysis of check holds and the XXXX statistics on people who receive these holds. 

I strongly believe Wells Fargo discriminated against me because I am XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Payday loan, title loan, or personal loan

Please reference my previous CFBP complaint # XXXX regarding Lending Club reporting my XX/XX/XXXX payment late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report. After correcting their latest attempt at reporting me late, they just did it again today, XX/XX/XXXX, for the 5th time, this time on my XXXX report.

I submitted email evidence with my previous complaint from Lending Club confirming that they corrected the previous 4 credit reporting errors.
Product: Credit reporting or other personal consumer reports

XXXX has no multifactor authentication methods for its accounts login. This is a severe security risk. Both XXXX and XXXX have some form of XXXX. There is no contact us or manner to address this posted publicly on their site. This should be a requirement and these companies to be held to a higher standard given the sensitivity of the information they hold. 

Please specify how to enable multifactor authentication for accounts? 

I will not provide account number or email as per CFPB guidelines on this comment state not to and such instructions should not depend on that info and apply to general accounts. 

If no multifactor authentication is available, provide alternative method to secure my account if available? 

I prefer to keep all communication within this channel and will not email you privately. These answers are in the general interest of the public.
Product: Vehicle loan or lease

Exeter Finance opened an auto loan on my behalf using my personal information on XX/XX/XXXX. I already called this company ( XXXX ) XXXX and spoke with the supervisor named XXXX with ID # : XXXX and filed this as a fraud account. It is under investigation by them. Also I'm trying to file a police report. 
Exeter Finance sold this account to XXXX XXXX XXXX XXXX on XX/XX/XXXX being reported as a collection account to the Credit Bureaus.
Product: Credit card or prepaid card

In XX/XX/XXXX, charges were made to my account number in the amount of {$580.00} which I told Wells Fargo were fraudulent. They asserted otherwise. On XX/XX/XXXX after I asserted otherwise they credited {$580.00} back to my new account as they found that the charges were made without my permission. Since that time I have not received any further statement from them they I owe this amount. In XX/XX/XXXX, a trip we had paid for was canceled and the trip provider, XXXX refunded {$3600.00} to the card I charged it on which was my old account number. Wells Fargo only remitted {$3000.00} back to me. The total refund was {$3600.00}. Apparently they applied {$580.00} to the fraudulent charges which they had previously refunded to me. I asked them to give me the entire refund which they refused to do. If they feel I still owe them the {$580.00} which were fraudulent why have they not billed me for that amount and why did they refund them? I feel they owe me {$580.00}. I would like my money back. They were very uncooperative.
Product: Vehicle loan or lease

My car was repossessed by credit acceptance I payed money to get it back and it came back with transmission damaged and because of warranty expired I couldnt get help so I gave it back to company now my wages are being garnished
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY XXXX CLOSE DISPUTE AS RESOLVED AND UPDATED ... XXXX ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH XXXX  XXXX LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD WHITE FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I stayed at the resort once but only paid for the room for the time I was there. I did not purchase anything from them. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXX took my information they had on file while I was staying there and fraudulently used it without my permission to open this account. XXXX & the credit bureau have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to Equifax and XXXX and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit card or prepaid card

I processed my payment with Citi bank on XX/XX/XXXX, the funds were electronically removed from my personal checking account on XX/XX/XXXX. On XX/XX/XXXX I attempted to use my card, though it was listed as a {$0.00} balance, the available credit was {$2.00}. 

In an attempt to resolve, I contacted Citi. The employees were dismissive and transferred me multiple times, including wrong departments, and long hold times. The ended with a Citi bank employee hanging up on me. 

As a result I filed a complaint here. 

Now, XXXX full business days later Citi is still failing to credit my account with the funds they have had in their possession since XX/XX/XXXX. 

While they have called me twice during my work hours XX/XX/XXXX and XX/XX/XXXX, they did failed to answer the phone during business hours when I returned their call on XX/XX/XXXX at XXXXXXXX XXXX CT, XXXX hour and XXXX minutes prior to the representatives state time out of the office in the voicemail they left me. I took the afternoon off to resolve this and they couldnt be bothered to speak to me when I called. 

Now they appear to be holding my funds hostage, for I can think of no reason in XXXX where a major bank would take XXXX full business days to process a payment they received electronically. Even my credit union sent the funds out Monday morning in response to a payment request processed on a Saturday. 

This bank is the only bank to have ever lowered my approved credit limit with no warning or communication. They are also the only bank to report a negative mark on my credit, a late payment that was the result of their failure to process automatic payments as they promised when I provided them my account and routing. 

I implore you, as the protection agency, please help. 

Attached below is a screen shot showing the credit available as of XX/XX/XXXX is at {$0.00} on the card, as well as proof of a posted ACH debit from my XXXX XXXX XXXX XXXX account. This ACH was processed in CITI BANKs application for my XXXX, so it was Citi that requested the funds from XXXX.