23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX- Please remove immediately. 
Incorrect DOB - XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately.
Product: Debt collection

Jefferson Capital Systems claims XXXX XXXX phone account in Oklahoma from 2013. 
Ive only lived in Michigan. 
This is past the 7 year time limit for Statue of Limitations as well.
Product: Money transfer, virtual currency, or money service

I received a Cash App debit card in the mail yesterday ( XX/XX/year> ) with my name which I did not apply for. I have never used Cash App or created an account. I believe I have been a victim of identity theft and someone used my information to open the card under my name. I have contacted Cash App and requested them to disable the card, and the account associated with the card because it was not opened by me. They have sent an email asking me questions and also ask that I upload a front and back image of the debit card so they can investigate and disable the card and close the account once they can determine it is open fraudulently and provided them all the information they were looking for. The case number I was assigned is XXXX. I already froze my account for the 3 major credit bureaus approximately 5 months ago, but somehow Cash App allowed an individual to open an account and debit card under my name without my consent. I have already filed a police report notifying them of the identity theft incident as well. I have messaged Cash App from the initial email they sent with the case number and questions they needed but have not received a response acknowledging whether they were able to close the account and disable the debit card. I called them and the person answering the phone was not able to provide any additional information as well on the case. I read online that a lot of people were encountering the same thing where they received a Cash App debit card without opening ones themselves and with most not even having used Cash App like myself. This is not an isolated incident and Cash App needs to address this problem of fraud and identity theft that persist with their company and using compromised information to open the accounts of unsuspecting victims. Those same people that have fraudulent accounts and debit cards opened under their name from Cash App also received 1099-K forms from XXXX, the parent of Cash App, most likely because these fraudulently opened accounts act as a Cash App business account and have bad actors transferring money into these accounts as a way of possibly laundering money I suspect. This also leaves the victims on the hook for taxes from the 1099-K form that XXXX sends out because the bad actors have used the victim 's social security number as a means to create a Cash App business account and transfer money to account as a way to launder money leaving the victim on the hook for taxes from those transaction. I hope to resolve the issue Cash App because I was a victim of identity theft and did not open the Cash App account or request for a debit card.
Product: Credit reporting or other personal consumer reports

Kia Finance- car loan on my account should be taken off. 
Bought the car in XXXX only had it for 3 weeks- got into a car accident- someone rear ended me and my car was declared total loss. For that reason I never paid any of the payments etc. My insurance failed to pay what they needed to pay for the car- that is why its under an attorney case. They are still working on resolving it. 

This account should be taken off my credit report - its not a resemblance of my financial ability because I usually pay everything on time. This is hurting me when I go buy a car or a house
Product: Debt collection

I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/XXXX. On XX/XX/XXXX Navy federal credit union transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. 

I filed a complaint with CFPB on XX/XX/XXXX. Navy Federal Credit Union responded to the complaint by stating that I owe {$13000.00} for a credit card. 
This is false. I do not agree with the amount Navy Federal is attempting to collect. I never received documentation regarding this debt and was never provided with an opportunity to dispute the debt. The only credit card I had with Navy Federal Credit Union was closed and charged off in XXXX of XXXX. I moved to Illinois in XXXX. The statue of limitations to collect a debt in the state of Illinois is 5 years. I Never agreed to make a payment toward this debt. 

Navy federal credit union STOLE my refund money from my savings account and fraudulently applied it to a closed credit card account from XXXX to reset the clock for the statue of limitations. I Never agreed to this and was Never notified. My consumer rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.
Product: Credit card

I applied for and was approved for a Bank of America Preferred Rewards credit card around XXXX XXXX, 2023. After receiving the card, I made some minor online purchases and also did some shopping in a nearby city on XXXX XXXX without any problems. However, after charging less than {$900.00} total a {$230.00} grocery purchase at XXXX was abruptly declined, and the card has been unusable ever since. 

Instead of asking me to verify the unspecified " unusual activity '' on my card as would be the normal practice, it and my account have just been totally blocked. I subsequently talked over the phone with two representatives and two supervisors in BOA 's fraud department, but none of them could explain coherently what the problem was, and they all ludicrously advised that the only way I could get my account functioning again would be to fly some XXXX miles to the mainland and visit a Bank of America branch there in person ( BOA has no branches in Hawaii ). 

I could just cancel this card in disgust, but I'm already on the hook for the {$95.00} annual fee and would have to forego the promised generous sign-up bonus, which was the main reason I sought this particular credit card in the first place. Applying for a replacement card from another issuer would also likely negatively affect my credit score.
Product: Prepaid card

I have an American Express gift card that keeps getting declined eyeywhere, I have enough money on the card for the purchase and no one at the company helps me
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed as past due with XXXX XXXX XXXXXXXX XXXX XXXXXXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXX XXXX  XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the collections account with XXXX XXXX online with Experian and XXXX in XX/XX/2024. This is a past medical account. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Additionally, XXXX XXXX is not XXXX  accredited and is listed as " no longer in business ''. I have attached a XXXX of this from the XXXX.
Product: Checking or savings account

Describe in detail the circumstances of fraudulent activity and how I became aware of the activity : I placed 8 checks in my home mailbox on XX/XX/XXXX in the morning and put up the notification that I had mail to be picked up. I noticed the notification was reset to indicate it was picked up on XX/XX/XXXX. ( XX/XX/XXXX was XX/XX/XXXXHoliday and no mail was delivered ) Normal pick up/delivery is between XXXX and XXXX. 
On XX/XX/XXXX, while reconciling my banking transactions with my XXXX accounting system, I noticed payroll check numbers XXXX and XXXX where posted for incorrect amounts. I immediately went to the B of A checking account to investigate. In reviewing copies of the checks, I discovered the fraud. The payee amounts and payee names were changed. While in my B of A account, I noticed three ( 3 ) additional checks altered. Checks number XXXX, XXXX and XXXX were altered and shown as pending. The following details the alterations for the XXXX checks in question : Check number Payee Amt. Altered Payee Altered Amt. 
XXXX XXX {$150.00} XXX {$2200.00} XXXX XXX {$160.00} XXX {$2200.00} XXXX XXX. {$45.00} XXX.  {$2200.00} XXXX XXX. {$80.00} XXX {$2200.00} XXXX XXX {$220.00} XXX {$2200.00} I immediately call the fraud hotline and started a claim to report and recover the funds, in addition, I froze / closed the account. I also, went B Of A to open a new account and obtain cashiers checks for the original payees and original amounts. I was told to return the next day to open a new business account as the business specialist wasnt not in that day. 

Please contact me if you need additional information. 

P.S. It's been ~45 days and B of A is no closer to resolving this than they were since I submitted complete claim information. They keep saying its being investigated and depending on who I speak with the timeline for resolution keeps changing.
Product: Credit card or prepaid card

The bank decided to close my account when I was still paying them on time through autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX ) XXXXBalance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$700.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

I REQUESTED FROM TRANSUNION TO REMOVE INCORRECTSPELT NAME OF XXXX XXXX AND INQIURY BY XXXX ON XXXX/XXXX/2015, THAT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS JUST EXTRA PIECE OF DOCUMENTATION PROOF OF MY IDENTITY THEFT. I TRIED TO UPLOAD TO service.transunion.com/ BUT I COULD NOT UPLOAD THERE FOR SOME REASON, I guess because of current dispute, SO I AM SENDING IT THROUGH THE CFPB PORTAL..BASICALLY IT IS THE DIGITAL COPY OF THE OFFICIAL POLICE REPORT! ..PLEASE ADD THIS DOCUMENT TO THE FRAUDULENT ITEMS THAT I AM DISPUTING ON MY CONSUMER CREDIT REPORT! ..THANKYOU
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 

According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. XXXX is not included in the consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX, ccount number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Credit card

There was some sort of fraud alert on my account and prevents me from accessing my account. I have them a call to authenticate myself, but they weren't able to authenticate me and while i didn't receive the card I decide to wait on the card a bit. 

Called them XX/XX/year> : about this issue they just said we can't authenticate you using the number. 

XXXX : finally received the card. Try to activate it, i have to log into my account which i can't at the moment. 

Gave them a call back again, same thing. getting frustrated with whole thing. I have account with other major banks and didn't have this issue. Feels like I made a mistake signing up for this card.
Product: Student loan

Requested refund for loans paid off during Covid-19 on XX/XX/2022 via support representative at Aidvantage. Total refund came to a total close to but under {$10000.00}. Was told to expect update to accounts in 10 days and expect a refund in full in 4-6 weeks. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts. Support representative told me that balance on Aidvantage would update when I get my refund in 4-6 weeks from submitting request. This information is completely different from what I was told when I put in my request on XXXX, XXXX, XXXX. At that date, I was told my account would be updated in 10 days from request. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts or communication. First aidvantage representative said my request was still processing and to expect refund in 10-12 weeks from request. This information was completely different from past calls which all told me to expect my refund in 4-6 weeks. I told current representative about conflicting information and they transferred me to another representative because they said they cant access specifics on my account. Second representative told my request was processing and that I should receive my full refund in 2 weeks. I was instructed by this representative to keep checking aidvantage accounts for any updates. I was also told by this representative that my account would update before I receive my refund which is completely different from what representative told me on XX/XX/2022. 

Called to aidvantage to check status of refund on XX/XX/2022. Representative told me that refunds take 10-12 weeks to process despite being told I would receive refund within 4-6 weeks. Representative also said that Department of Education hasnt made any updates to accounts requesting refunds. 

Today is XX/XX/2022, exactly 6 weeks since I made my initial refund request. There has been no changes to my accounts during this time. I am unsatisfied with the incorrect/always changing information I receive from aidvantage. At this time, it is unclear if I will receive the refund I requested at all.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized account that appears on my credit report under XXXX XXXX XXXX. This account was opened on XX/XX/year>, for the amount of {$250.00}. I did not authorize this loan, and I am requesting that it be removed from my credit report immediately. 

I became aware of this unauthorized account while reviewing my credit report. I promptly contacted XXXX XXXX XXXX to inform them of the fraudulent account and to request that it be closed and removed from my credit history. I have also taken the necessary steps to protect my identity, including placing a fraud alert on my credit file with the major credit reporting agencies.

Despite these actions, the account remains on my credit report, which is negatively affecting my credit score and overall financial well-being. I kindly request that this account be investigated and removed as it was not authorized by me. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I was a cosigner on a XXXX XXXX XXXX XXXXXXXX  via XXXXXXXX XXXX My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/year> the debt was cancelled and a XXXX was issued to my XXXX XXXXe. I have tried to contact XXXX XXXXk and XXXX XXXX to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When XXXX  occurred we were on a plan because we could not pay.
Product: Checking or savings account

I had wires sent directly into my account from my brokerage account. Multiple wires of XXXX and another for XXXX each wire was verified from. My brokerage account. When I went to wire payments for a car to a friend for XXXX my account was frozen. This has been more than a month ago and Ive costed a branch to verify my identity with all of my documents and the branch didnt submit any of my identity documents even though they said they would. Ive been submitting everything they ask for and m documents keep getting rejected and they have no explanation.
Product: Credit card or prepaid card

On XX/XX/2020 I could not link my PNC debit card to my teen 's CURRENT account. Issue still isn't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted an investigation results to all 3 credit bureaus regarding late payments reporting on my both my XXXX XXXX account and XXXX XXXX. These late payments are reporting in error and creating financial hardship. I never heard from the credit bureaus. I resubmitted my complaint again on XX/XX/XXXX by mail after calling them only to find out nothing had been done. I called them again on XX/XX/2023. The credit bureaus have no interest in assisting consumers and refuse to investigate. If you get someone on the phone within a half hour you are lucky and those that take the calls simply tell you to resubmit as there is no change. I attempted to get a supervisor or manager on the phone and was left on hold and then disconnected. The above happened with all 3 of the credit bureaus. The bottom line is that I was not late paying my accounts and want both XXXX XXXX and XXXX XXXX corrected immediately. Thank you