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

During a review of my credit report a few months ago, I found mistakes related to the SYNCB/XXXX XXXX  account ( XXXX ). This violates my rights. I have challenged these errors with the three credit bureaus and the creditor, but the responses were generic. Therefore, I am filing this complaint based on my research. The company is violating sections of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

This ( XXXX ) XXXX Account XXXX that is reporting on all XXXX credit bureaus is inaccurate, I requested an investigation with all XXXX bureaus, and the account came back as " verified as reported '' the first time. I asked for a re-investigation as it is inaccurate, or removal from my report. I asked for a copy of the 1099C as well from all parties. This is also Fraud to the IRS from XXXX. Equifax came back on 2nd dispute within 24 hours came back as " updated. '' XXXX says " remains '' same with XXXX. I stated it should reflect a XXXX $ balance and because they charged it off how are they reporting month after month when it is a closed account!? It should be charged off XXXX time. This is a violation of my rights under FCRA with the furnisher 's allowing it! 15 U.S.C. 1681 states they should have to pay me {$1000.00} for them causing me damages on my Credit Report and still not fixing the inaccuracy after several disputes of me telling them the account is reporting inaccurate information!
Product: Credit card or prepaid card

I had a Costco Anywhere credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report.

Costco Anywhere did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card.

Costco Anywhere did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.
Product: Credit reporting or other personal consumer reports

This account is involved in litigation. This has been going on for over XXXX year which is a violation of the FCRA and FDCPA. This has caused me harm in trying to buy a house and a car because they are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights to privacy.

15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written consent.

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, 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 accurate.
Product: Debt collection

I was not properly notified, by Midland funding LLC/Midland Credit Management INC, in Michigan, they went through a third party. Illegally placed a garnishment on my credit report to garnish my federal income taxes and the account is currently occurring interest. Lack of verification that this debt was assigned or sold to collector. Lack of verification that this debt was assigned or sold to more than one collector. Midland Funding LLC has multiple class action lawsuits pending due to unfair debt collection practices.
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts. 

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

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, XXXX, and TransUnion are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...
Product: Debt collection

I am trying clean up my credit history. In XXXX, I called XXXX XXXX to enter into a payment plan to resume payments on a {$14000.00} debt. XXXX XXXX said they wrote the account off in XXXX or XXXX. I can no longer access my XXXX account online or by their automated phone system. In am no longer able to pay {$500.00} per month since I have been unemployed since XX/XX/XXXX. My financial situation is further complicated by the coronavirus outbreak. I had attempted to make payments from my unemployment benefits. XXXX XXXX XXXX, XXXX is attempting to attach my bank account. 
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a civil complaint against me for judgment in XXXX XXXX favor for {$8700.00}. XXXX XXXX XXXX, XXXX states that they are attorneys for XXXX XXXX. Correspondence from XXXX XXXX XXXX, XXXX discloses that they are debt XXXX. XXXX XXXX will neither confirm nor deny XXXX XXXX XXXX, XXXX claims. XXXX XXXX, XXXX has entered a Praecipe for Substitution of Counsel on XX/XX/XXXX. 
On XX/XX/XXXX, I wrote a letter to XXXX XXXX requesting confirmation the XXXX XXXX XXXX is representing them in this suit. I have paid to date {$2300.00} on a settlement amount of {$6000.00} to XXXX XXXX XXXX. Although requested, XXXX XXXX XXXX, XXXX never validated the debt. I have not received a statement of account. I have not received a payment history from XXXX XXXX XXXX, XXXX. The documentation submitted with the complaint contains incomplete and misleading documents. 
In this day of debt collection scams and in the abundance of caution, I am trying to determine who I should pay to resolve this debt. I have been contacted by numerous debt collectors and an attorney, who claim they are collecting the outstanding balance in XXXX XXXX named.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, NAVY FCU - XX/XX/XXXX, and NAVY FCU - XX/XX/XXXX
Product: Consumer Loan

I have a vehicle loan through Volkswagen Credit for a XXXX XXXX SportWagen. This vehicle was included in the VW XXXX Liter diesel settlement agreement, and I entered into an agreement with VW XXXX XXXX to buy back my vehicle under that settlement. The amount of cash I was entitled to receive in that settlement included payoff of the remainder of my vehicle loan balance with VW Credit as the balance stood at the time VW XXXX XXXX confirmed my outstanding loan balance which was sometime in either late XXXX or early XXXX XXXX. However, I was not able to obtain an appointment with VW XXXX to buy back my vehicle until XXXX XXXX, XXXX. In the meantime, XXXX payments on my auto loan became due and I paid both on time. I was assured by VW Credit and VW XXXX that VW XXXX XXXX would transmit the full amount of the balance due as of early XXXX and the amount of payments I made in XXXX and XXXX would be refunded to me shortly after VW Credit received the funds from VW XXXX. The VW Credit representative I spoke with initially told me it would take 2-3 weeks for VW Credit to receive the funds from VW XXXX XXXX, and would initiate a refund of overpayment to me within 2-3 business days following the account closure. VW Credit confirmed that it received the funds from VW XXXX XXXX to payoff the loan and closed the loan on XXXX XXXX, XXXX. I called today XXXX XXXX XXXX XXXX to determine when the overpayment would be refunded to me, and they confirmed I had a refund of about {$820.00} due to me, but would be holding those funds for 17 days following the payoff date of XXXX/XXXX/XXXX. This means that VW will effectively have held my money for nearly a month and a half after I turned in my vehicle to VW and satisfied all my obligations to them. I believe I ( and other VW owners who are similarly situated ) be entitled to a speedier return of our funds. Shortly after I got off the phone with this representive, he called me back and let me know they could expedite the process by about 4-5 days if he submitted a check request. However, this will still result in VW Credit holding funds due to me for over 1.5 weeks following payoff of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the account is Charge off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXXXXXX Balance : {$69.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$770.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I got approved for the SBA EIDL LOAN, per SBAs eligibility and qualification requirements I got approved as a XXXX XXXX   XXXX. I went through thorough and complete underwriting process and SBA approved me for the loan, I stated that because I am XXXX XXXX and do not have a business account, they stated that it is ok. and they also disburse funds into personal checking accounts for people who are XXXX XXXX and they have no problem. Chase on the other hand froze my account and is requiring me to have an EIN number, when legally I do not have to have an EIN number, and all I do is file a schedule C. They have no right to request such documentation from me when I am working as a XXXX XXXX individual and they are not the ones that are issuing me the loan. SBA is funding and determines qualification and eligibility. I have spoke to countless attorneys, and they all stated that Chase either must reject the funds back to SBA if they are not accepting in a personal checking account, or must release the funds back to me. They have no right to hold my money hostage.
Product: Debt collection

Creditors Bureau USA, collecting on behalf of XXXX XXXX XXXX in the amount if {$1200.00}. Got in contact with a Mrs/Ms. XXXX ( no first name ), she can't give me any information besides the interest on the charges has raised my account up to a little over {$1900.00}, she can't send out the original copies of the bill or credit slip because they don't do that. She did say she could send a revised copy that tells me how much Creditors Bureau USA paid for the account but she couldn't do it unless I provided an actual address or XXXX XXXX not mailing address or email address. The same with XXXX XXXX XXXX, no one can provide a reference number, date of services, procedures performed, claim number or anything that can help me resolve this issue. I research on XXXX  and both companies have complaints for fraudulent charges against people with similar if not exact situation as mine, which leads me too believe that this charge is a scam. By me being a XXXX XXXX XXXX my insurance would have covered these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was submitted to Capital One asking for a goodwill removal of a 30 day late payment. I believe this company is being " unreasonable '', I offered to submit pertinent documentation as to why I was late ( medical reasons-XXXX ), the response given to me is unacceptable, Capital One cited the FCRA will not allow them to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XX/XX/XXXX XXXX  Dispute Department XX/XX/XXXX XXXX, TX XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Bank of America Master Card - XXXX Publication XXXX  ( 2023 ), Canceled Debts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Bank of America, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that XXXX delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XX/XX/XXXXSSN : XX/XX/XXXX DOB : XX/XX/XXXX Enclosed : 1099-c Cancellation of Debt Copy of Drivers License & Copy of Bank Statement to show proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; DEPT OF EDXXXX XXXX .... Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$2000.00} ; DEPT OF ED/XXXX XXXX XXXX ... XXXX Balance : {$1400.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance XXXX {$2600.00} ; DEPT OF ED/XXXX XXXX XXXX .... Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX .... Balance : {$1900.00} ; XXXX XXXXXXXX XXXX. Balance : {$1900.00} ; XXXX XXXX XXXX .... Balance : {$410.00} ; XXXX XXXXXXXX XXXX .... Balance : {$3700.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these Accounts have 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 XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I submitted a dispute towards unverifiable items on my credit report, asking for proof of Original documentation of the transactions in question. I received neither proof or response in regards to any progress of reconciling and removing the improperly reported accounts.
Product: Mortgage

I received a collection call at XXXX XXXX this morning from Roundpoint Mortgage. They hold the mortgage on my investment home. I had n't paid the mortgage this month because the website was down. It would not let me in. Mind you, the loan is up to date and paid every month. It 's a courtesy for them to do this. I find it insulting. I have never been late and my credit score is over XXXX. They could have cared less. They carried on about if there is a problem, they want to be there to help. I continued to tell them about the website and said I had just gotten out of bed and had n't tried today.
Product: Credit reporting or other personal consumer reports

I have items on my credit report that i did not open. I have already got a fraud alert issued to my credit report and disputed these negative/inaccurate items. I want these items removed from my credit report immediately. They are stopping me from getting an apartment and also holding me back from my credit goals. Please remove these items thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Cunsumer Financial Protection Act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I responded to a XXXX XXXX for a piece of scuba gear for sale. The sellers name was XXXX XXXX. He gave me Zelle information for the payment using the number XXXX and name XXXX XXXX. It verified and I sent the agreed upon {$200.00}. He then blocked me. Zelle and my bank refused to refund. I subsequently found that the number provided for Zelle belongs to someone named XXXX living in XXXX who had no clue what I was talking about. Additionally there have been multiple accounts found with the same person under different name of XXXX XXXX. I have opened a police report and filed with FTC. I have screenshots and proof.
Product: Debt collection

Repeated calls starting early in the morning and occurring all days for two to three days at a time. Repeated at least 10 days during XX/XX/XXXX and XX/XX/XXXX.