23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon Trans Union and XXXX Credit reports to verify the information they are reporting. Trans Union responded in writing indicating the following accounts are not on my Trans Union Account and not being reported. XXXX has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, Trans Union or XXXX, perhaps all are working in concert to  deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my Trans Union, XXXX  and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 XXXX
Product: Credit card or prepaid card

There is a Khols capital one card reporting on my file. They are reporting the account with my social security number incorrect. 

They are reporting XXXX and my correct number is XXXX. This is causing a really big issue for me in the credit bureaus as my file has been suppressed for that reason
Product: Credit reporting

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all three reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all XXXX when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Product: Credit card or prepaid card

I have been a loyal XXXX  rewards credit card customer for 4.5 years. This card charges an annual fee of {$49.00} but it includes a free night in an XXXX hotel so I consider it an even trade. 

Due to COVID I was unable to use our free night from XXXX as it expired in XX/XX/XXXX. When my statement came in with the annual fee notice, I paid the fee because I did not want any late charges and thinking I could call them later and get the fee refunded. 

When I received a new card in the mail this summer, it was a reminder that I needed to inquire on the fee. When I finally called in to inquire about refunding the fee not only was I told it was too late to refund the fee but I also discovered they had cut the credit line on the account. The letter with the new card had a credit line 2x higher than the amount given on the phone so my credit line had been cut in half.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not allowing banks to pull my report, customer service says that there is no block and the account is open. But creditors still can not access the equifax file.
Product: Consumer Loan

I purchased a XXXX VW Passat TDI SEL XX/XX/XXXX. I took a 0 % interest 60 month loan with VW Credit. I made every month payment timely and was never late. On XX/XX/XXXX, VW announced that they had used " cheat devices '' in their TDI ( i.e Diesel ) vehicles. The intent of these devices was to violate American environmental standards. In particular, to cheat in meeting NOx emission output. VW immediately imposed a ban on its dealers from selling these effected new and/or used TDI vehicles. As a result, TDI vehicles have certainly lost significant value since VW has n't determined how, or if, the vehicles can be repaired to legally satisfy EPA emission standards. The matter is well know and rather than explain it further, I will instead address my complaint. I made a request to VW Credit to suspend additional loan payments until such time that the EPA accepts the remedy regarding the TDI scandal. I purchased the vehicle based on VW 's claim that the vehicle is a " Clean Diesel '' that provided efficient use of diesel fuel in delivering the rated MPG along with EPA complaint emissions standards. The sale was based on a lie and fraud on the part of VW. VW themselves do not deny the wrongdoing. I do not want to continue paying for this vehicle until I know that the vehicle satisfies all the conditions and expectations made to me when I purchased the car. 
I cite " 16 C.F.R. Part 433 : Federal Trade Commission Trade Regulation Rule Concerning the Preservation of Consumers ' Claims and Defenses ( The Holder Rule ). I am presently in a position of having to make continued payments for this vehicle in order to maintain my excellent credit ratings even though the vehicle was sold to me under fraudulent and possibly even criminal intent by the manufacturer VW. In addition, it is unknown if there is a fix for this problem. In effect I am being forced to pay for a what might be a worthless pile of junk to preserve a personal attribute that I 've worked hard to create ( i.e. my credit score ). I request your assistance in getting VW Credit to honor my request to suspend future payments until VW and EPA agree to a fix to this mess. I should not be held hostage, I am a victim of a fraud. VW is the perpetrator and probably even the criminal.
Product: Debt collection

I have a collection item from my previous apartment that was reported in XX/XX/XXXX. When the collection agency contacted me in XXXX of XXXX, I told them I would pay on XX/XX/XXXX. I sent a check at that time and the funds were removed from my account. 

I noticed that in XXXX of XXXX my credit report still reflected an owed balance. When I called the collection agency they told me that I needed to contact the office that I owed money and then fax them information. 

During the call, however, the representative was extremely rude, talking over me, and using legal jargon such as " on a recorded line, you are saying you are refusing to send proof of payment ''. And that if I refuse, she will be forced to terminate the call. She did not allow me to speak. 

I contacted the office I owe money to, and they called the credit agency and notated the account that we did pay in full. And that they would be mailing the check. This is on XX/XX/XXXX, nearly two months after I paid. 

My complaint is about the collection agency 's unwillingness and berating behavior and refusal to actually collect a debt that I have paid to the original debtor. And the inhuman way of berating me on a phone call by talking over me and not listening to what the situation is. 

The original debtor also never made any action on our check. They did not proactively call the collection agency or deposit the check. They placed it in a safe with a note " do not deposit '' for nearly two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.
Product: Credit card or prepaid card

I filed a dispute with my TD Bank credit card on XXXX XXXX in the amount of {$5800.00} against a moving company that was late, damaged my belongings, lost many of my belongings, didn't give me the discount as stated in the signed contract and also overcharged me after my belongings were loaded in the moving XXXX. 
I have given TD Bank all the documentation they request. Have spoken with them multiple times on the phone. Was told twice to expect to see a XXXX balance within XXXX business days. Also they accidentally closed my dispute and then reopened it, only after i called. The last time I spoke with TD Bank about the dispute was in XX/XX/2022 and it was and still is under investigation. In the meantime I have had to make 3 monthly payments of {$170.00} including interest. I was told that I would be credited back any payments I have made once the dispute was resolved. 
Today is XX/XX/2022 and my dispute still has not been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). Equifax continuing to report this information is collusion with XXXX XXXX to violate my consumer rights and is grounds for legal action/arbitration.
Product: Money transfer, virtual currency, or money service

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Navy Federal for Breach of Terms and Agreements, EFTA, and TILA Dear CFPB, I am writing to formally submit a complaint against Navy Federal Credit Union regarding serious breaches of the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ). These breaches involve unauthorized transactions and the handling of fraudulent activities in my savings and checking accounts. 

Despite numerous notifications to Navy Federal concerning unauthorized transfers of funds exceeding {$1000.00} to XXXX XXXX, as well as the deposit of XXXX fraudulent checks into my accounts, they have shown a blatant disregard for investigating these matters. Instead, I have faced significant financial repercussions, including multiple overdraft fees and returned fees stemming from the unauthorized transactions and insufficient action taken by the institution to rectify the situation. 

Furthermore, this is not the first violation by Navy Federal. A year ago, I experienced a similar issue where money disappeared from my account, leading to illegally obtained overdraft fees, as has been discussed in the latest class action suit against them. After numerous submissions and calls to seek accountability for my missing funds, those funds mysteriously reappeared weeks later, with no explanation, notification, or apology for being called a liar and incompetent in the process.

Additionally, after Navy Federal was made fully aware of another phone accessing my accounts fraudulently, a further breach was attempted, resulting in my account being locked. Regrettably, I have been unable to reach a human representative or banker to address this issue, as the only communication I receive is regarding the collection of the fraudulent debt associated with the transactions. This lack of support and assistance is deeply concerning. 
I believe these actions constitute a violation of the terms and agreements I entered into with Navy Federal. As a member, I expected the institution to uphold its responsibility to protect my account from unauthorized access and transactions and to investigate any instances of potential fraud promptly.

I request that the CFPB conduct a thorough investigation into Navy Federals practices regarding the handling of these cases. Additionally, I seek remediation for the financial losses I have incurred due to their inaction. 

Thank you for your attention to this urgent matter. I look forward to your prompt response regarding the next steps in this process. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Complaint regarding Delivery of funds using domestic wire transfer by Merrill XXXX. 

I am writing to express my deep concern and frustration regarding the wire transfer of {$320000.00}, which was processed on XX/XX/2023. Regrettably, despite the transaction being initiated, the funds have yet to arrive at my designated receiving bank. Despite providing the Fed wire number, Merrill XXXX representatives have been unable to offer any helpful information or assistance in this matter. 

I have diligently reached out to multiple representatives at Merrill XXXX XXXX, but unfortunately, none of them have been able to provide a satisfactory resolution or offer any meaningful assistance. At this point, I have no choice but to request an immediate recall of the {$320000.00}. After I submitted a recall, the bank can not provide any evidence or result of the recall besides asking me to wait for days. Since XX/XX/XXXX my fund has left the Merrill XXXX account, and I have not seen the fund show up anywhere. It is just disappear in the Merrill XXXX  system. 

I can not help but suspect that there may have been some mishandling or misappropriation of my funds by Merrill Lynch bank. Please investigate and contact Merrill XXXX to return my fund of total {$320000.00}.
Product: Checking or savings account

My account got hit with a bunch of over charges at once and they hit me with like XXXX over draft fees each time
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX XXXX at XXXX XXXX XXXX. It was with XXXX  & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/NEL NET was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Product: Debt collection

Conns Appliances Inc, has been sending Bills and payment request to My home .I have no Knowledge of this Acct # XXXX. I have asked several times to provide me with any documentation to show proof of Debt and monies owed or ownership of account # XXXX. I continue to receive Letters and Brochures to My home address asking for New Credit and to come Shop with Conns easy financing and terms. I believe their efforts to secure Business has landed a fraudulent account in My namesake, Due to the Quote " easy terms and credit Approval ''. This has made it simple for a Store employee to make an account in My Namesake and obtain Credit and damage my Good Credit Standing or Fair reporting against myself.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  - XXXX, XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED DISPUTE TO INCLUDE EVIDENCE I have attempted to dispute accounts with this company and they continue to respond with template responses that do not address the problem. I DO NOT RECOGNIZE THE ORIGINAL CREDITOR. Please send information about XXXX XXXX XXXX XXXX XXXX XXXX so I may dispute directly with them as well. 

Additionally, the State of Texas prohibits a third-party debt collector from engaging in debt collection unless the third-party debt collector has obtained a surety bond issued by a surety company authorized to do business in Texas as prescribed by Texas Finance Code 392.101. A copy of the bond MUST be filed with the secretary of state. 

The Texas Secretary of State has informed me that Account Resolution Services is NOT authorized to conduct debt collection in the State of Texas and therefore is in violation of state law ( see enclosed ). 

The company as an entity ( ARS ) is acting unlawfully with debt collection. The company name itself has been listed on the bond and not a DBA.
Product: Debt collection

Dear CFPB, I am writing to formally lodge a complaint regarding a debt that has been reported by PORTFOLIO RECOVERY. I would like to state that I have no knowledge of this debt and am entirely unaware of its existence. 

Additionally, I was not provided the opportunity to dispute this debt, as I did not receive any proper notification regarding it. If PORTFOLIO RECOVERY claims that proper notification was provided, I request that they provide certified documentation, including the mail receipt with my signature, as evidence that I received such notification. 

I find this situation extremely concerning, as I strive to maintain accurate records of my financial obligations. This issue is causing unnecessary stress and could potentially damage my financial standing. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that PORTFOLIO RECOVERY either provides verifiable proof of this debt and the proper notification thereof or ceases collection attempts. 

Thank you for your assistance. I look forward to your timely response to this matter. 
PORTFOLIO Filters XXXX XXXX Account # XXXX High Balance {$380.00} Last Verified -- Date of Last Activity XX/XX/XXXXXXXX  Date Reported XX/XX/XXXXXXXX  Date Opened XX/XX/XXXXXXXX  Balance Owed {$380.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account disputed Creditor Type Factoring Companies Account Status Open Payment Status Late 120 Days Creditor Remarks Consumer disputes after resolution Collection account Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$380.00} Account Type Collection Payment Frequency Credit Limit {$0.00} PORTFOLIO RC Filters XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance {$380.00} {$380.00} Last Verified XX/XX/XXXXXXXX XXXX- Date of Last Activity XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date Reported XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date Opened XX/XX/XXXXXXXX XXXXXX/XX/XXXX Balance Owed {$380.00} {$380.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account not disputed Creditor Type Other Collection Agencies Other Collection Agencies Account Status Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Creditor Remarks Dispute resolved ; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Payment Amount -- -- Last Payment -- -- Term Length -- -- Past Due Amount -- -- Account Type -- -- Payment Frequency -- -- Credit Limit --
Product: Credit reporting, credit repair services, or other personal consumer reports

My Sunoco/CBNA credit card has been closed for over 5 years and paid via settlement. Experience continues to report it as open with a {$950.00} balance. I've disputed this several times only to get results that's say " reported information accurate ''. This mistake by the credit bureaus as well as Sunoco/CBNA has affected my score negatively.