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

Mountain America Credit union has been pulling me in every so direction. Led me the wrong way when it came to financial situations. Its been over a year and I havent gotten anything. Resolve I just keep asking for help and they dont seem to get it. Some where it doesnt make sense as it is not getting handle. Its getting stopped or giving them more time to stall. I am very frustrated. I have been asking for help with payments and loans and business loan they kept saying they dont offer business or any relief or anything. They made us upside down on our auto loan. I dont know who else to talk to. They pulled our credit several times.they never offered help, we went in about 3 times and called over 5 times.
Product: Credit card

On XX/XX/year>, I received an alert from Experian that an inquiry, showing XXXX, had been added to my credit report. I became baffled because I had not put in a credit application with this company.and I was paying {$4.00} a month to have my credit locked, I also have an active consumer alert summary that advises creditors to please contact me through sepecific contact instruction to extend credit. Yet, someone by the name, or the name she made up, XXXX XXXX had opened a credit card via XXXX XXXX without my consent. How did Experian allow this when I had taken all the necessary steps to protect myself from Identity Theft? I immediately called Experian and filed a dispute. The address this person used to ship the card to is : XXXX XXXX XXXX, XXXX, GA XXXX and the bogus email address the person provided is : XXXX. None of this information is connected to me in anyway, yet, Experian allowed for XXXX XXXX to open this credit card account in my name? Experian sends alerts every week that my information has been found on The Dark Web and people have access to my important information but doesn't protect me against Identity Theft, and then offer for me to sign up for a Premium Plan, {$29.00} and then they will remove my name and information from the sites that show my information. That is insane. I want real protection against Identity Theft and I shouldn't have to pay for it, to receive it if I've provided proof that I'm a current victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
XXXX XXXX Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished
Product: Mortgage

Attempted to pay my payment online on XXXX XXXXXXXX XXXX. Payment would not go thru - said payment type not accepted and the amount appeared that i had not paid XXXX bill Tried again this am to pay online - same troubles - payment type not accepted ( debit card ). Since there was no warning at all that debit cards were not accepted - called SLS- the holder of the loan Called and 1st agent could not explain so I was transferred to XXXX in the XXXX section - he stated that the XXXX of XXXX was applied and the new payment was due XXXX XXXX ( with a 15 day grace period ) and the new payment included the XXXX of XXXX payment, which is not yet due. XXXX was unable to properly explain why a payment that was not due was due and it was not stated anywhere on the payment form. XXXX did not accept that a debit card is the same as a check and was attached to a checking account- they apparently want a checking account number in lieu of a debit card. I relinquish significant protections by not using a VISA number. I spoke harshly to XXXX about his not knowing a debit card is the same as a check i.e. a bank account number and was promtly hung up on 1 ) My XXXX payment was not correctly added to the current billing statement and made it appear that i was in arrears 2 ) The amount due was not properly reported in a manner that was understood by a typical user 3 ) A payment using a debit card is useable if over the phone but not if paying online with no notification of that fact 4 ) A demand of payment should be what is typically acceptable and not demand of a {$7.00} or {$12.00} charge to speak with an agent 5 ) Payments in advance should be clearly stated and not be demanded unless new terms are signed 6 ) This company has run me over the coals and i will no longer accept shoddy service
Product: Credit card or prepaid card

In XX/XX/2019, I made a payment with Capital One. I was told the amount due was {$190.00} by the associate. I was then advised later that the amount due was {$190.00}. I was then reported as 30 days late. This was their error and they will not correct.
Product: Credit reporting or other personal consumer reports

Im requesting this complaint to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Transworld Systems , Inc. assumed debt from XXXX XXXX XXXX XXXX XXXX. I questioned the amount of debt and requested confirmation of the debt. In XX/XX/2017, Transworld notified me that I had 30 days to set up a payment program through them, or they would garnish my wages. I sent them correspondence within the 30 day time limit requesting to set up a payment program, but they garnished my wages anyway, with no notice to me that the garnishment began. I became aware of the garnishment in the change to my paycheck, from which they are withdrawing about {$400.00} from each check. 

I also believe that they initiated collection and garnishment on this debt during the time frame that the federal court froze their collection practices during XX/XX/2017federal litigation against them. 

My file number with Transworld is XXXX. I am attaching correspondence with postmark showing I sent a timely response to their request within the 30 day limit they imposed on my account. I additionally called and left messages for them to contact me within that 30 day window of time, and they failed to return the calls, choosing to garnish instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing other laws in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the ORIGINAL signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I would like to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. They have failed to positively verify these accounts with PROOF and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I would like the following accounts to be removed immediately. Also 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All has violated my rights. 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. After their most recent reinvestigation they still show inaccurate information on my credit report.

I have attached proof of my credit report documents after their reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship has not resolved my concern. Flagship is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that Flagship provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX XXXX  XXXX This is an alleged debt that I am not claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have both violated my rights M15 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
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion XXXX and XXXX  for number of years letting them know that they're incorrect information on my account and they refuse to remove it I'm going through identity theft I submitted a police report and sent it to them like they requested they never follow back up with me about anything I have people in Arkansas and Texas using my information I'm a former Foster you that I guess that's how my information got out but they're doing nothing to assist me they ame. There are a number of accounts with inaccurate information that do not belong to me that should be removed negatively impacted my credit
Product: Credit reporting or other personal consumer reports

There are several unverified items on my report that I am requesting to be deleted per my legal rights under the FCRA - Fair Credit Reporting Act : XXXX Account No. XXXX This Account is unverified. Delete Immediately. 

XXXX Account No. XXXX This Account is unverified. Delete Immediately. 

XXXX Account No. XXXX This Account is unverified. Delete Immediately. 


Delete these unverified accounts immediately.
Product: Debt collection

SYNCB/WALMAR XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/WALMAR and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$590.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend  yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online
Product: Credit card

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( file no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. In
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information on all credit reports have my name ( s ) that are not mine, address where I did not live, and jobs listed at places that I did not work.
Product: Credit card or prepaid card

I have a valid unemployment claim under California EDD and entitled to receive unemployment benefits as an XXXX  XXXX under Pandemic Unemployment Assistance provisions of the CARES ACT. 

I have called BOA, and Bank of America says my claim is fraudulent because XXXX XXXX are not allowed to collect unemployment that is why they have debited my EDD debit card for {$16000.00} which is the total that they have paid me so far. 

California EDD department investigated my claim and has verified my Identification and has approved my unemployment claim. 

State of California is direct depositing my unemployment benefit money into my BOA EDD debit card, but BOA is keeping my unemployment benefit money and prohibiting me from withdrawing my benefits because they have taken the position that my EDD claim is fraudulent, even though EDD has investigated and found my claim to be valid. 

3 times I have called XXXX and was transferred to the claims department in order to file a dispute, and then I have been put on hold for about 3 hours each time. 

I am requesting Bank of America to give me credit on my EDD debit card for {$16000.00} as soon as possible.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Addressand SSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the following creditors and/or collectors have committed violations -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 XXXX15USC 1681 SECTION 602A states I have a right to privacy ***15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX  XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had XXXX XXXX dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

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

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated. 
Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX OF XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that Im unaware of.Ive been harassed by a collection agency and have been told to pay a debt that I have no knowledge of.I would like the following inquiries removed from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Recently I have pulled my consumer report and noticed that XXXX XXXX XXXX  has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX with the balance updated as of XX/XX/XXXX in the amount of {$450.00}. 

XXXX XXXX XXXX  has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead XXXX XXXX XXXX  charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by XXXX XXXX XXXX  is inaccurate. I also have reason to believe XXXX XXXX XXXX  is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I have reason to believe that XXXX XXXX XXXX  is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if XXXX XXXX XXXX  has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. 

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ). 

The following account beginning with # XXXX with the balance of XXXX is to be deleted from all credit reporting agencies.