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

Money was transferred to my account from my girlfriends California unemployment account to my bank account at bank of America. I did not know that was not allowed at the time and my account was closed on XX/XX/2021. That was not the issue, my issue was the XXXX that was taken from my account that was transferred from her was never sent back to her. I was also flagged for fraud but nothing came from it.
Product: Credit card or prepaid card

The Bureaus did not respond to my request for the removal of an inaccurate account in my credit file. My account with CAPITAL ONE is displaying damaging and erroneous information. I have sent requests to the bureaus but I didn't receive any letter and according to FCRA 's law, if the bureaus does not respond to any of my request after 30 days, the account must be deleted or removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was apart of a litigation. This should not be reported on my credit report as it is forgiven.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerocollect collection agency put the same amount in my reports 6 times I have been disputing it for about two years XXXX. Amount of {$1100.00}. XXXX on my XXXX report 6 times 3 times on XXXX. Both credit companies agree that it is fraud on amerocollect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two inquiries on my Transunion credit report was unauthorized by me and I would like to have these inquiries removed immediately based on the federal fair credit reporting act. 

XXXX XX/XX/2018. 

XXXX XXXX XX/XX/2018 XX/XX/2018
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 XXXX : 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 : XXXX. XXXX/ XXXX 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 this fraudulent account in my report and EQUIFAX 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, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My ignorance of the credit laws should not be the reason the cra 's, creditors and collection agencies abuse my rights to privacy. I have been trying to get these accounts dealt with properly. Both accounts, Kashable and XXXX have repeatedly verified this information on my credit report. According to XXXX XXXX consumer law and factual disputing, these two accounts have violated my rights. I'm getting very frustrated with the way this is dragging on. And every dispute has copies, evidence attached. I was trying to get a refi, and was denied for these accounts. All they do is verify. If you look at my credit report, you see the inconsistencies I have the right to privacy. I didn't give any one permission to share my non public information. At this point, they are willingly and knowingly causing me harm.
Product: Vehicle loan or lease

Complaint Against : Exeter Finance LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint against Exeter Finance LLC for failure to provide legally required tax documentation, lack of response to a formal certified request, and potential fraudulent credit reporting practices. 
1. Failure to Provide Required 1099-C Tax Documentation On XX/XX/year>2024, I sent a formal certified mail request to Exeter Finance LLC requesting a 1099-C ( Cancellation of Debt ) form for tax year 2024. This document is required by the IRS when a lender cancels or charges off a debt. I requested this form to ensure accurate tax reporting, compliance with IRS regulations, and proper credit record maintenance. 

As of today, Exeter Finance has failed to respond or provide the legally required documentation, violating IRS regulations under 26 U.S. Code 6050P, which mandates that a lender must issue a 1099-C if a debt is canceled in whole or in part for {$600.00} or more. 

This failure prevents me from fulfilling my tax obligations accurately and could expose me to tax liability issues due to Exeters lack of compliance. 
2. Violations of Consumer Financial Protection Laws Exeter Finances failure to respond to my certified dispute request and refusal to provide documentation is a violation of federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) Lenders are required to report only accurate and complete information to credit bureaus. If Exeter has charged off this debt but not issued a 1099-C, they may be misrepresenting the account status, which is fraudulent credit reporting.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) If Exeter intends to collect on this charged-off account but refuses to provide documentation, they are engaging in deceptive collection practices. 

California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Cal. Civ. Code 1785.16 ( a ) ) This law requires creditors to investigate and respond to consumer disputes in a timely manner. Their failure to acknowledge or respond to my certified request violates this law. 
3. Potential Credit Reporting Fraud If Exeter has charged off the debt and refuses to issue a 1099-C, they may still be treating it as an active obligation while misreporting its true status.

If the debt is forgiven or canceled, it should no longer be reported as owed. By failing to clarify the accounts true standing, Exeter Finance may be artificially inflating my debt obligations, harming my credit profile in violation of FCRA regulations.
Product: Checking or savings account

XX/XX/18 : I was notified by email that my checking account was negative XXXX. The branch is closed but the ATM machine is open. It is down for accepting deposits today. I have a photograph of the deposit feature unavailable if you need it. 

I had XXXX $ cash in my hand to deposit so not only would I have covered the negative balance, I would have had additional money to cover direct debits that might hit my account from now until Monday morning when I can walk into a branch. The nearest branch right now is 40 miles away and I dont know if their atm is down for deposits too? This is the fourth time this happened to me at that location with Wells Fargo on a weekend. 

I called their XXXX number for customer services and asked if an automatic payment was going to hit my account from now until Monday morning at XXXX if they would reimburse me the overdraft fees. He said no because I have autodraft on my account. I said yes but I also SHOULD have the ability to deposit cash and you denied me of this. If you deny me deposit then charge me overdraft fees, that is illegal. 

This bank has done this to me numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with them, monthly payment was {$250.00} due ( XXXX of the month ) on XX/XX/XXXX a payment of XXXX was applied to the balance bringing the balance to {$2700.00}. A Lien release was also created. A car dealer purchase the lien vehicle. I had called multiple times because I told after payment was made a principle breakdown would be applied with a monthly payment lower payment. I called a few times regarding this principle breakdown agrrement-XXXX, XX/XX/XXXX, XXXX Finally on XX/XX/XXXX I received a principle breakdown and and now I am currently waiting for clarification on the amount and interest rate which was not provided on the the document sent to me. XXXX was paid on XX/XX/XXXX which in fact would cover a few months of payment, I am not late. Plus I said I would not pay anything additional to loan balance until this principle breakdown has been all cleared up. As of XX/XX/XXXX I am still waiting for that.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Checking or savings account

I have used my accounts regularly and adequately since I opened my checking account with bank of america. Somehow they closed my accounts without any further information regarding why they have closed my account. XXXX has also removed my account saying that they detect suspicious activity from my account, and in fact, I had only received money through XXXX  from my mom for XXXX XXXX. This is very unreasonable because I haven't done any suspicious illegal activity with my account. I think there are inaccurate information of me that make them think I'm a fraud. This is really frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX EQUIFAX XXXX XXXX & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( EQUIFAX, XXXX & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( EQUIFAX, XXXX & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.
Product: Debt collection

I am requesting that you provide verification of this debt. Please send the following information : The name and address of the original creditor, the account number, and the amount owed. Also I would like a debt deficiency form and 1099-
Product: Credit reporting or other personal consumer reports

XXXX XXXX has written balance off taxes and not provided me the 1099c. It was requested & its being reported on my credit report
Product: Credit reporting

I have disputed inquiries on my credit repeatedly and have only been advised that the persons stated that I requested the information. I am victim of identity theft/fraud and am looking for resolution. I have over XXXX inquiries on my credit, a broken lease that I did not authorize with XXXX properties and am unaware of the property, addresses and name changes that I am not aware of, accounts that are beyond the statue of limitations that I have asked to be removed and were not, as well as student loans that have been consolidated and should not show open on my credit report. I have called and received no assistance, long wait times, the inability to submit the full dispute online. I have XXXX and am only seeking a remedy in this situation. XXXX has been great with taking care of all that I have asked, except the name change. My name is XXXX XXXX XXXX, that 's it. I do not care if a copy of my driver 's license was provided or social security card, I did not sign for XXXX of what I am being accused of. I have not been able to remain stationary so that a police could come out to me to file the police report, but I have the affidavits filled out completely. I am livid that I can not get the things done through XXXX and Transunion, that I have to go to these lengths.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.
Product: Debt collection

Date of Debt Notice : XX/XX/2022. 
XXXX disputed : {$170.00}. 
Name of Collection Agency : Credence Resource Management. 

Summary : The following agency is attempting to collect a debt I do not owe. I have indicated to the that this debt was already paid and the information the they have is incorrect. I have asked them for validation and no proof has been provided.
Product: Credit card or prepaid card

I applied for  a Fifth Third Mastercard and was granted a card with a {$7500.00} limit. t 's been a nightmare trying to use the care ever since. Almost every time I try to make a purchase they decline it and shut off my card. The first 5-6 times this happened, I called in and answered some security questions and they reactivated the card. The 7th time it happened they were very rude and told me I had to go into the bank with my id documents and have the documents sent in from the bank. I did so. Once I did that, I called the fraud department back and they assured me that the card would be reactivated and that this kind of block would never happen again. My card was cut off again within 2 days. Then when I called in they kept saying the card was under corporate review. I asked who I could speak to about it and they said nobody. It 's been 6 weeks. I 've received 3 voicemail s from a lady apologizing that she has n't resolved it sooner and says cryptic things such as investigations and companies she needs to speak with. To date the issue has n't been resolved. What 's worse is now I am totally locked out of my account and can not see any information, do an online bill pay, etc.
Product: Checking or savings account

On XX/XX/year> I attempted to access my account from the Ally banking app. My password had not been changed recently and was automatically entered using my mobile phone. I received the message that my password was entered too many times incorrectly and that I had been locked out. I tried to call Ally customer service to get back into my account - after being told my phone wait time would be approximately 4 minutes, I was on hold for 45 minutes. I called back and opted to leave a message to get a call back. 90 minutes passed with no call back. I called into customer service again and the line was closed. It is now Saturday and the customer service line is not reachable on the weekend. I have no explanation as to why my account was locked ( a strange penalty for a wrong password entry, I can not access my funds or online account. I have several bills due as it is the first of the month, and no way to pay them - I will be late on these bills by Monday, when customer service is supposed to reopen.
Product: Bank account or service

I previously filed a CFPB complaint ( XXXX ) concerning a charge by a vendor, XXXX XXXX, and a debit transaction made against my checking account with Wells Fargo. To my knowledge, Wells Fargo is overdue on a response and never responded to the underlying complaint. Today, I received an email from Wells Fargo stating the amount in dispute in the underlying complaint with CFPB was being withdrawn from my account, and that the bank " lost '' the dispute. Today, Wells Fargo withdrew approximately {$580.00} from my account, without having provided me proper, prior notice ( other than today 's email ) ; and without Wells Fargo having even bothered to formally respond to my prior complaint by addressing CFPB. Wells has also, again ( twice now ), by today 's actions, failed to properly and adequately advise me of the reasons for their decision in writing. They have also apparently violated CFPB 's complaint procedures relative to the underlying complaint. 

This second complaint concerns Wells Fargo 's failure to address the first complaint. They apparently have now not only failed to address my concerns, but have failed to adhere to, and comply with, CFPB 's procedures and mandates regarding my underlying complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, Transunion, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report. I asked for verification thru certified mail so I can get a description of the procedure used to verify the info. I called and all 3 bureaus stated it was verified thru XXXX. That is not possible because my XXXX is frozen. All 3 bueraus lied.
Product: Checking or savings account

Chime closed my account without notice on XX/XX/XXXX. I could not reach them on the phone because I was not a customer anymore. After two weeks of emails back and forth i still have not received tracking information for my refund check. I have confirmed my mailing address three times. They owe me over XXXX $ and they are dragging their feet getting it to me. I have incurred credit card fees for canceled payments that I had no control over. I am racking up bank fees because I cant pay my bills. The sudden closure almost caused that weeks paycheck to be sent back. I was barely able to get my direct deposit switched in time. I had just worked two 60 hour weeks in a row to get ahead and now I am more behind than I was.
Product: Credit reporting or other personal consumer reports

I have attempted to identify an account that has been recently added to my credit report as of XX/XX/year>. The disputes I have filed through XXXX and XXXX XXXX show this as a medical debt but I have no knowledge of owing a medical debt to this company. The amount is showing as {$500.00} and is appearing as a collections account that has lowered my credit score by an immediate XXXX points which has affected my ability to obtain sustainable housing. I was told there are laws surrounding medical debt and how it appears or reports on credit reports and the amount of {$500.00} seems to be a significant amount related to that.
Product: Checking or savings account

I am submitting this complaint regarding Chase Banks decision to close both my personal and business accounts without providing any explanation or formal notice. I have been a Chase customer for over six years and have always maintained my accounts in good standing with no missed payments or outstanding balances. My XXXX report shows no negative information, and yet, I was informed by a branch representative that my name has been flagged, and I am no longer eligible to open or maintain any accounts with Chase. 

Despite reaching out to Chases customer service, they have declined to disclose any information regarding the closure of my accounts. I would appreciate the Consumer Financial Protection Bureaus assistance in obtaining an explanation and exploring any possible steps to resolve this matter
Product: Checking or savings account

Always have a XXXX business day hold on all deposit, today even put an account restriction with unknown reason and unknown resolution date. The account is just completely restricted, unable to pay my bills or anything like that.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND XXXX FAILED TO PROPERLY PROCESS MY DISPUTE ON THESE ACCOUNTS. 
XXXX XXXX HAS FALSELY REPORTED XXXX ACCOUNTS ON MY XXXX, XXXX AND XXXX CREDIT REPORT WITHOUT PROPERLY NOTIFYING ME AT THE CORRECT ADDRESS OR WITHOUT PROPERLY GIVING ME DEBT VALIDATION. I SENT A TOTAL OF XXXX LETTERS WITHIN A TOTAL OF 3 MONTHS BACK-TO-BACK AND TO NO AVAIL NO RESPONSE BACK TO ME. MY FDCPA AND FCRA RIGHTS HAVE BEEN VIOLATED AND I WANT THESE ACCOUNTS DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

im writing to complain about my credit report i ve recently checked it and noticed and there aree inaccurate items on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$790.00} portfolio recovery opened XX/XX/XXXX {$400.00} these accounts were not opened by me these accounts are violations of law 15 usc 1681s-2 nobody shall report to not furnish any information relating to a consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate these need accounts should be deleted and removed within 4 days of recieving this i also reqquest all writting statements to be sent to my email