23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made a ( 2 ) transfer on XX/XX/21, a total of {$7500.00}, to another Member of the Navy Federal Credit Union. It was later realized this individual is a scam/fraud. This individual did not render service and has been avoiding me. I have called Navy Federal several times to submit a dispute, but they have denied me. They have stated that this is not considered an ACH or credit card transaction and that it is considered " Cash to Cash ''. Navy Federal stated that since it is Cash to Cash, they can not do anything for me. I have informed Navy Federal I have proof of the fraudulent activity and the Member 's failure to render the service, they still denied me. I have asked Navy Federal several times if they can provide in WRITING the disclosure that states I waive my rights to any recourse of fraud and scams when performing a Cash to a Cash transaction, they have yet to provide it. Every time I call, they state they are waiting for the " back office '' to reply with the information. They have yet to provide an explanation for why they can not investigate this transaction as they do any other transaction. They have yet to provide any disclosures or literature that informs consumers that transactions between Members are considered " Cash '' transactions.
Product: Checking or savings account

I opened up my Ally Bank account this morning ( XX/XX/2022 ) at approximately XXXX am PST. My personal checking account was {$730.00} in negative, and my shared account whim I share with my partner was {$690.00} in negative, after calling Ally and speaking with a representative they told us there is a known issue where customers accounts are being double charged and they have no XXXX on when it would be fixed and there is no way for them to reconcile it. This is unacceptable, my banking institution should be trusted with my money. Its a wide spread issue and even after waiting on hold for XXXX they could not help me. So now Im stuck with very little gas and absolutely no money to do anything today, like get to work, drop off my dog at doggy daycare etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my Consumer Credit Report.

By Definition the IRS Clearly says a Cancelled debt or charge off/written off debt is Income. The reporting of this account as a debt is in accurate.

INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain Credit for personal and house purposes. PLEASE delete this inaccurate account within 10 business days.
Product: Debt collection

I have paid in full and they will not take the time to release of record. This paid debt is being held against me because it is an active judgement with a XXXX balance. I am trying to purchase a home and all my other paid liens were released of record within 30 days per compliance. This company say they do n't have to do anything now that they have their money. This has a negative impact against me and is effecting my opportunity to purchase a home for my family. I have completing my due diligence in payment, now I am demanding that they complete their due diligence in release of record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I reviewed my credit report over last few months and the following items reporting do not belong to me : XXXX  - showing on ( XXXX and XXXX ) with bal of {$1000.00} XXXX  XXXX - showing on ( XXXX, XXXX, Experian ) with a bal of {$2400.00} XXXX XXXX XXXX  - showing on ( XXXX, XXXX, and Experian ) with a bal of {$5900.00} XXXXXXXX XXXX XXXX XXXX showing on ( XXXX, XXXX, and Experian ) with a bal of {$170.00} XXXX - ( Experian ) with a bal of {$0.00} ; opened XXXX XXXX - ( XXXX  XXXX, and Experian ) with a bal of {$0.00} ; opened XXXX XXXX XXXX  - ( XXXX and Experian ) with a bal of {$3900.00} XXXX  XXXX - ( XXXX, XXXX, and Experian ) with a bal of {$5700.00} Please assist me in getting these accounts removed these are not my accounts. I have sent police reports and ID Theft reports to these companies. Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with VW Credit   was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. VW Credit account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with VW credit, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with VW credit to not report this to credit bureaus - Received call from VW credit customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of XXXX and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX Mr XXXX and VW Credit Biz Dev Rep Mr XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
Product: Credit reporting or other personal consumer reports

I turned my vehicle into XXXX ( XXXX ) Finance into the dealer after my lease was paid in full in XX/XX/XXXX. Reported to my credit as paid in full. In XXXX I received a bill for a lease turn in fee ( paid in full in XXXX ) and {$640.00} for excessive tire and wheel wear and tear. I had insurance in my lease that covered any damage of this kind. Multiple calls to dealers and XXXX finance and kept being assured the claim was filed and I did not owe this amount. 

Still checking on the claim and still no resolution. I never owed this money as it was included in my lease. Finally the claim is paid XX/XX/XXXX and I see today that they reported a 30 day delinquency for the {$640.00}, which I never owed and was paid by the agency insuring the wheels and tires package. I need this off of my credit report ( all three bureaus ) immediately. First of all I never owed the money and the account was settled with the claim. I understand XXXX Financial was fined for this very behavior in XXXX and apparently has not changed business practices.
Product: Student loan

I have submitted my PSLF forms since XX/XX/year> when I hit XXXX payments. After making the final XXXX payment on XX/XX/year> I faxed XXXX of the forms initially because my employer is not able to use the online tool. I waited and called and requested updates during this time and was repeatedly told that they 1. Couldn't find the fax 2. Couldn't tell me if they received the fax 3. A combination of both. On XX/XX/XXXX, I filed a complaint Case # : XXXX. I received a standard boilerplate response that was a non answer and replied to that email without a response. I continued to update my forms and found a way to upload the file on their website in XX/XX/year>. They apparently did not receive this form and I was given the same reply about how they could not look it up or find it. Again in XXXX I submitted the form and this time on XX/XX/year> I received an email stating " XXXX! Your XXXX document was uploaded. '' I again submitted a complaint Case # : XXXX and still have not received a response to that. I received an email " XXXX needed for your XXXX form '' on XX/XX/year> - there was no information on the website. On XX/XX/year> I received an email " Public Service Loan Forgiveness ( PSLF ) [ Case # : XXXX ] '' that noted my XXXX application had a status of " closed incomplete. '' There was no further information available on the website. I called again on XX/XX/year> and was finally informed that they were not able to open my XXXX form or that it was not readable. So, I printed it, rescanned it and uploaded it again on XX/XX/year> and received an email " XXXX! Your XXXX document was uploaded. '' Again I called to follow up today XX/XX/year> and was told they can not tell me if they have actually received this form, if there are any issues with opening/reading it. So again I submitted the same form on XX/XX/year> with the same response email " XXXX! Your XXXX document was uploaded. '' I called again on XX/XX/year> when I received an update that showed my counts were still incorrect at XXXX counts. This time they told me that because I submitted it in XXXX that it was not correct and that the document probably did not upload even though I got an email that said success the same as the other times. They told me to go and do the same thing under XXXX XXXX and log into my account and then search for XXXX upload document and go to the first link and proceed through there to upload the document. I did so and received the same email again regarding " XXXX! ''
Product: Debt collection

On XX/XX/2019, I mailed a Validation of Debt Letter to the collection agency, IC SYSTEMS COLLECTIONS. 
They are reporting to the credit bureaus that I have a debt for XXXX. 
I have NEVER received any information about this debt in the mail or via phone call, before it showed up on my credit report. 
It has been 30 days since IC SYSTEMS COLLECTIONS has received my letter, and HAS NOT RESPONDED.
Product: Credit card or prepaid card

I have tried to dispute a charge on my Bank of America credit card ( Visa ) for {$310.00}, 3 times. The vendor 's name is XXXX ( XXXX ) and what I purchased was a voucher for 7 nights stay in XXXX. After several attempts ( emails and calling Bank of America directly ) BofA has declined my claim. XXXX went out business and filed for bankruptcy ; so I tried to get a refund from them before contacting Bank of America. I provided Bank of America all the information requested, the bankruptcy notice from the website ; emails ; my certificate, etc. and Bofa declined my claim 3 times. 
First, they claimed they did not receive any information ; then they said my dispute fell outside the timeframe to retrieve the funds from the merchant ( which is moot given XXXX is out of business now ). I contacted XXXX XXXX  regarding a different voucher ( XXXX ) and I was provided a refund immediately and without jumping through hoops. Bank of America has rejected my claim 3 times. This is unacceptable! 

Account number ending in : XXXX Case number from Bank of America : XXXX Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this complaint because I have tried working with the company and the credit bureau to resolve the fraudulent accounts that are on my credit report. I have provided them with a copy of my drivers licenses and a copy of my Social Security Card as proof that I never open any of the accounts listed and they are saying that because they have my personal information and the wrong address that this is my account. But this is truly Identity theft and under section 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. Of 15 U.S. Code 1681c2 - Block of information resulting from identity theft The following accounts must be removed and permanently locked from my credit report. 
The accounts are listed as : 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 I am asking that your company make them comply with the FCRA or fine them and I will also file a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

some time around mid 2017 I went in to XXXXXXXX XXXX XXXX XXXX XXXX to purchase an item. At this time I signed up for what was presented as a 0 % apr credit card. I signed digitally for the card. I went back some time after and wanted to add an additonal purchase on the 0 % apr card. 

After several months of making timely payments i started receiving collection calls. I found a second fraudulent account was created rather than putting the purchase on the original account. After looking closer into the staments I also found rather than being 0 % interstet rate they had signed me up for an extremely high APR card. 

When i went in i was told they sold the account to the company below and could not do anything. They said i should have put down {$1000.00} in order to receive to 0 % which was not diclosed to me. 

XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX When i called XXXX  they said all they could do is settle the account in full. This has damaged my credit and has made it so I can not afford to pay it off.
Product: Credit reporting or other personal consumer reports

I provided them proof of the incorrect information on my report to them and asked them to deleted it for incorrect reporting.
Product: Debt collection

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called MIDLAND FUNDING LLC any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with MIDLAND FUNDING. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with MIDLAND FUNDING or any of it affiliates. 
I am requesting that MIDLAND FUNDING LLC or any of their affiliates should remove such negative statement from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit investigation request over 30 days ago, but I have not gotten a response yet. The FCRA states that credit bureaus are supposed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included First Progress Card, XXXX, & Possible XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address on file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX. I received information regarding a claim for out of pocket expenses traced to the Capital One Data Breach. My record was located by the settlement administrator. The out of pocket expenses occurred beginning with a claim I filed in XXXX with the CFPB regarding a car loan from Capital One. I did not receive out of pocket expenses and instead the car was charged off and still remains on my credit report due to the Capital One Data Breach. 
In XXXX of XXXX, I applied for a Capital One Credit Card and was given a {$300.00} Credit Limit. I was mailed the card and the auto loan was connected to the account. I was asked to send my ID via a text and a email. I was told they could not confirm my identity after three weeks of contacts from Capital One representatives in XXXX and other countries. I asked because the representatives asking me to text an email my Id to me seemed as if they were phishing and also had access to my account information including DL information. I was told my account was closed in the similar fashion I was given information about the charge off of my car loan after contacting the CFPB. Capital One has not reconciled the charge off or addressed the information disclosed from the breach, nor have they addressed why a credit line of {$300.00} was issued along with a credit card, and then the account closed. Capital One has access to my current DL information, address and social security number. The reason I applied for the credit card is because I received a pre-qualification email that stated I could apply without a credit check hitting my credit report. 
Because my personal information was breached through Capital One, I received a notice from XXXX stating that I had until XX/XX/XXXX to address any other cost related to time spent, account closures, credit and account closures etc. I am filing a claim with CFPB and will also file a claim with XXXX since I did not receive out of cost expenses from Capital One. My credit score has been impacted as well as the implication of fraud ( not being able to confirm my ID ), also the physical loss of a line of credit and the possibility that more Id theft has occurred due to Capital One Representatives requesting multiple times my ID while my account was open.

There is also an issue with Capital One causing restrictions to my account before they closed by restricting my phone number. I have had to file a police report and escalate the matter to risk management of my phone carrier XXXX. All of this has created a trickle down effect and has left my personal information vulnerable for Id theft.
Product: Vehicle loan or lease

I did leased a XXXX XXXX from American Honda Finance , the lease number is : XXXX, it has been paid off since XX/XX/year>. It is still shown on my Credit report. This morning I called the XXXX Credit bureau to request that debt to be removed from my Credit report, they asked me to contact the creditor so it may report the paid in full letter to them, Which I did. But the XXXX XXXX sent the letter to me instead sending it to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as 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 ... ..there is also a car loan from XXXX XXXX XXXX  that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...