23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to formally file a complaint against XXXX XXXX XXXX XXXXXXXX regarding an unjustified charge-off reported on my credit report and the subsequent mishandling of my account. Despite maintaining an excellent payment history throughout the entirety of my lease, VW Credit has reported a charge-off on my account, which I believe is an error. The charge-off has negatively impacted my credit score and is unjustified, especially since I did not report any identity theft or fraud to XXXX or any other agency. 
I have contacted Volkswagen Credit XXXX times, XXXX via certified letter on XX/XX/year> and XXXX via fax on XX/XX/year> and XX/XX/year>, requesting written validation of the debt and clarification of the charge-off, but have yet to receive a response. The account shows as " closed '' on my XXXX report, yet it is marked with a charge-off, and no collection agency has provided me with written validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 
In addition, I have opened a formal dispute with XXXX regarding the charge-off. I have not received any communication from a collection agency, and the contact information on my XXXX report still shows Volkswagen Credit, not any third-party debt collector. This lack of transparency and failure to provide proper written notice is concerning, and I am uncertain which agency currently holds the debt. 
As the original creditor, VW Credit should take responsibility for addressing this matter directly with the collection agency, if there is XXXX involved. They have the authority to instruct the collection agency to remove the charge-off from my credit report if it was applied in error. 
I request that Volkswagen Credit take immediate action to : XXXX. Provide a full written validation of the debt and confirm which agency currently holds it. 
XXXX. Remove the charge-off from my credit report, given the lack of justification. 
XXXX. Ensure that the collection agency involved, if any, is directed to amend or remove the negative report from my credit file. 
This matter is being escalated to the Consumer Financial Protection Bureau ( CFPB ), and I expect a prompt and fair resolution to avoid further action. 
Thank you for your attention to this matter.
Product: Checking or savings account

I truly dislike doing this, however the encounter I received on yesterday from multiple of Chime employees infuriated me to a point of searching and obtaining an attorney. I'm a small business owner who owns a cleaning company XXXX XXXX XXXX XXXX ) and I currently have a contract with XXXX and obtain future clients for cleaning services. XXXX setup direct payments with the Chime account to receive both instant and weekly deposits. Each deposit was a success until yesterday, XX/XX/2023 when XXXX texted me and informed me that Chime rejected a payment in the amount of {$110.00} ( weekly pay ). I contacted Chime the first representative deemed unprofessional and terminated the call. I called Chime again at XXXX and spoke with XXXX. After my encounter with the first representative, I demanded to speak with a supervisor. XXXX became antagonistic and denied my request until I read him consumer law of denial a customer to speak with a supervisor. After XXXX grueling minutes XXXX ( supervisor ) finally merged on the call. I was overwhelmed with emotions and educated XXXX that Chime rejected a payment of {$110.00}. I continuously read the text message more than 6 times. XXXX informed me that he witnessed numerous deposits from XXXX ( now showing as " XXXX XXXX XXXX  '' ) and he was unable to located the rejected payment. Attached are proof of multiple instant and weekly deposits to the Chime account debit card ending in XXXX with text message from XXXX of rejected payment of {$110.00}. On Attachment XXXX will display the rejected payment of {$110.00} and a note of rejection.
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, your company is continuing to report unauthorized inquiries even after my dispute letter that was sent on XX/XX/2024. I did not grant any organization authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. The creditor and the CRA 's failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I am once again demanding that the following inquiries are deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN , XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX a debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE XX/XX/XXXX a second debt validation letter was sent to LVNV XX/XX/XXXX letter was received by LVNV via Certified Mail NO RESPONSE
Product: Prepaid card

On XXXX XXXX some items were purchased to a company called XXXX and paid for by my cash app card. I have looked at this site but did not purchase these items so I called cash app and explained I did not purchase these items. They said they would have to investigate etc. So I contacted XXXX myself and before the order had been filled, I was able to get a full refund back to my cash app card with no problem on he very same day the order was placed. I saw that a total amount of {$94.00} and another amount of {$120.00} was placed back into my account, but later that day there was a line through the amount and my account had a total of {$3.00} in it. I had not purchased anything or used my cash app account for anything. Later that day I got a notice from my XXXX XXXX bank account saying cash app had taken {$120.00} from my account, which made no sense to me, but by the time I was able to contact XXXX XXXX the $ had been put back into XXXX XXXX account. This transaction has nothing to do with XXXX XXXX, but I figured that cash app wanted to keep their " middleman Cut '' out of the deal and did not want to lose whatever they get paid for their services, that they decided to not give me the return, but before that they decided to try and charge my regular bank account to make up for their losses in XXXX way or another but realized that wasn't a good idea and put it back. My cash app account still shows the amount returned with a line through it. I have never seen this before and I have called cash app several times trying to get this resolved, but they refuse to give me a straight answer. I have even been hung up on before and when I asked them if I could record the phone call they told me '' no they don't consent to being recorded ''. But yer as customers we agree all the time to being recorded. I have proof of everything I am explaining. And have tried to work this out with cash app over XXXX times before contacting you.
Product: Mortgage

I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.
Product: Bank account or service

Approximately XXXX 2016, fraudulent activities transpired on my accounts with Wells Fargo through automatic tellers machines ( ATMs ). Since I am unemployed and no longer in school, there are no frequent activities made by me such as deposits, withdrawals, transfers etc. On XXXX XXXX, I was notified by my mother that I received an email from Wells Fargo stating my online log-in information ( ID and password ) had been changed. On XXXX XXXX, I was again notified that Wells Fargo forwarded another email stating a HOLD was placed on my account. Upon returning home later that next week, on XXXX XXXX, I received a letter stating fraudulent checks in the amount of {$4000.00} had been deposited and charged to my account. Amazingly, this account has never ever held that amount of moneys. I could not imagine any institution paying out that amount. I was a college student and had recently graduated. I called and after being transferred several times, spoke with XXXX. I filed a claim and stated I should hear something withing 5 business days. On XXXX XXXX, I received four separate letters ; each contained a copy of a fraudulent check. On XXXX XXXX, I forwarded a follow-up letter to Wells Fargo stating to close the account immediately ; not to wait for the scheduled closing of XXXX XXXX. I telephoned on XXXX XXXX, again transferred numerous times. Finally connected to XXXX of Loss Prevention. I had to summarize the situation. I asked did she see the communication with XXXX. She replied 'no '. Upon asking the status of the account, she responded, " The amount of {$4000.00} has been recovered. There is a negative balance of {$2.00}. There was a physical withdrawal in the amount of {$300.00} that needs to be satisfied and you as the account holder is responsible. '' It was then that I stated, " why? '' She emphatically stated that " you had to give your card and PIN to someone. '' No, I did not. XXXX ( Wells Fargo Rep ) refuted my " no ''. My mother listening informed her that she was giving out fraudulent information ; bank cards are skimmed every day. Apparently, that was the case. I had been 'skimmed '. I research information and Identity Theft Expert, XXXX XXXX proved it to be the case and recommended that customers access ATMs at banks only. Again, I informed XXXX from XXXX XXXX that on XXXX XXXX and XXXX XXXX, I received two emails and Wells Fargo should have been aware that my account had been compromised. The history on the account had never showed frequent deposits of any sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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

I am unable to pull my Transunion credit report or FICO score and have never been able to access it. When trying to create an account, I get a notice from Transunion saying that they are unable to confirm my identity. I have called three times only to be told that this issue is my bank 's fault and that it is due to how they are reporting my information. This is false because I have two credit cards from two different banks ( XXXX and XXXX  ) and two student loans from two different agencies. When I called them and asked, I was told they have no information for anyone with my name, social security, and address. 

I am able to pull my credit report from XXXX  and XXXX, indicating that my information is being reported correctly by my banking institutions. For some reason, my information got lost at Transunion and they are refusing to help me. I have tried opening an investigation through one of my banks, which came up inconclusive on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently divorced and as a result I was relieved of all financial obligations of a loan with NFCU that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. NFCU is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, NFCU is continuing to allow the financial abuse to continue. NFCU should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.
Product: Checking or savings account

Where do I start. On XX/XX/2022 Ally Bank Opened a Fraudulent Checking and Savings account. These account 's were not verified and I did not sign any account opening documents. Ally did not contact me to verify it was me opening these account 's and Ally did not send me a debit card or any account related documents, I have not received any financial transactions from these account 's. Then I further learn based on XXXX that Ally opened another checking account in XX/XX/2022. Again Fraudulent, and did not verify it was not me opening these account 's. These were opened by an identity thief and I did not receive any financial data or account related documents or items for these account 's. I find it interesting that I never received a debit card, checks nothing for these account 's Which I also reported to this company. On XX/XX/2022 These account 's were closed due to fraud. By me. Later I have learned that after the account 's were fully closed Ally Decided it was a good idea to go ahead and reopen the account 's once again not notifying me of this information. I received one letter dated XX/XX/2022 In this letter it says Here is a summary of the dispute ( Again no disputes were submitted ) In this letter it goes on to Falsely accuse me of having a relationship with this merchant of fraudulent transactions. Again, I am not sure where Ally is gaining their evidence but nothing has been provided to back their false accusations. It says this merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX this is the first time I have ever received a piece of mail from this company. In their reason for decline it says We've concluded that no error has occurred and is considered authorized the disputed transaction was completed with a merchant with whom you have an established relationship. Again FALSE Accusations and incorrect information. Ally has not provided any documentation to back their false accusations. I then received a letter from Ally proceeding to tell me that I owe them {$4600.00} and that the account was reopened. Again all of their reason based on that letter was I have established a relationship with a MERCHANT IN ANOTHER STATE without proof, and AGAIN without a single debit card being received for these fraudulent account 's. I am a victim of Identity Theft and Ally is falsely accusing victims. Ally is also falsely and fraudulently conducting activity and stating I have an established relationship with these merchants when I haven't ever visited a single merchant that they listed. I do not believe they conducted any investigation and the actions being taken on the fraudulent account by closing and then reopening and then falsely accusing someone who didn't even receive a single debit card without proof seems like shady business and not how a financial instituion should be conducting conduct.
Product: Debt collection

XXXX Mortgage paid off by XXXX XXXX/they requested pay off amount from Wells Fargo ( XXXX 2015 ) WF gave them a figure, check was issued, then WF called back to XXXX XXXX and said they needed additional money to pay off debt - XXXX XXXX sent second check in the amount requested - paperwork submitted shows account with XXXX balance. Then in XX/XX/XXXX an automatic charge appeared on my checking account for what was the monthly payment ... I challenged it with my bank XXXX XXXX XXXX, provided them my documents and they supported myclaim and refunded the money taken by WF. Then WF tried to debit my account again in XX/XX/XXXX - same procedure, challenged with my bank and they again agreed and the charge was reversed. Now WF calls this house 3-4 times a day, we have tried to block the number but they must be using a different number than what is showing on the caller id ... ..We can not get them to stop ... they call at XXXX XXXX every day, including week-ends, call later in the afternoon and at night ... .Have even answered once or twice trying to explain why we no longer owe this amount ... .they continue to call ... .we need help stopping this harassment.
Product: Credit card or prepaid card

I applied for the XXXX XXXX Chase rewards XXXX miles card, late XXXX early XX/XX/XXXX and was denied. I had a XXXX credit score. I currently have an ongoing collections dispute with XXXX which is the only negative on my credit report. I received the denial letter dated XX/XX/XXXX which is also the " Date calculated '' of my credit score on the letter. It stated if I have any questions to write to Lending Services at JPMorgan Chase Bank, N.A. XXXX XXXX XXXX XXXX DE XXXX of which I did approximately the first week of XXXX. The letter does NOT state to write back by a certain date. I called Chase XX/XX/XXXX to allow time for a response, as we all know USPS mail has been delayed. I sought an update on my letter but the representative told me that because it's over a month the record has been deleted and she could not help me further and stated I could apply again but of course that could hurt my credit so I declined. This is a blatant disregard, offensive and a vulgar lack or responsibility to the American consumer to not even provide a response to my letter. The reference # on the denial letter is XXXX. I have attached my letter which contains all pertinent information for Chase to reconsider the unfair decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inquiries on my credit report that were not authorized and were performed when there was an active credit freeze in place. 
I did not apply for a new credit account with this requester I didnt authorize the credit inquiry ( s ) Each inquiry occurred without my knowledge. 
Each inquiry occurred without my written approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has been reporting inaccurate personal information on my consumer credit profile for sometime now and all efforts by myself to get this wrong and inaccurate information completely deleted from the information housed by Equifax under my consumer credit profile has proved futile. i demand this inaccurate address information ( XX/XX/2021 CURRENT XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) be deleted immediately but Equifax for some weird reason is adamant on violating my rights guaranteed under the FCRA guidelines passed by the united states house of representatives. Their flagrant violation of the law and blatant refusal to comply with the guidelines set forth under the fair credit reporting act has exposed and made me vulnerable to all forms of fraudulent activities which i have grossly suffered for. i demand that Equifax cease and desist from its continuous and perpetual violation of my guaranteed rights which daily compromises by identity and Delete ( XX/XX/2021 CURRENT XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ) from my credit profile immediately. This information has been disputed, invalidated and deleted by both XXXX AND XXXX. Equifax is yet to live up to the same credibility. i have attached evidence of a screenshot with a highlighted portion of the information in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of XXXX or more points for some money that is not even owed.
Product: Debt collection

I called XXXX in XXXX 2010 that I wish to discontinue my service. They told me they would send me a box to return the receiver. A couple of months passed and I never received an authorization to return the receiver and I did not use my XXXX service after XXXX/XXXX/2010 since they told me I was paid up through that date. They began calling me to collect in XXXX 2010 and I will not pay the {$180.00} balance since I do not owe it. They have reported this on my credit. I need this taken off since I do not owe it.