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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls undeXXXX XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.XXXX XXXX XXXX XXXX XXXX970.00}.
Product: Debt collection

Subject : Request for Assistance in Obtaining IRS Form 1099-C for Charged-Off Debt To Whom It May Concern : I am writing to formally request your assistance in obtaining a Form 1099-C ( Cancellation of Debt ) from [ Creditors Name ]. The company has reported a charge-off of the debt on my credit report, yet I have not received any documentation indicating that the debt has been canceled, forgiven, or otherwise settled. This lack of a 1099-C form is causing potential confusion and discrepancies in my financial and tax records. 

Details of the Account : Creditors Name : [ Mercedes Benz Financial Account Number : XXXX Original Loan/Agreement Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Reported Balance : {$51000.00} Reason for Request : According to IRS regulations and the Federal Credit Reporting Act, creditors are typically required to issue a 1099-C form for debts of {$600.00} or more that have been canceled or XXXX. Since this debt has been reported as a charge-off, it indicates that the creditor has either written off the debt or considers it uncollectible. As such, I believe I am entitled to receive a 1099-C form for this canceled debt to accurately report it on my federal income tax return. 

Despite several attempts to contact the creditor directly, I have not received any response or documentation. I am seeking the CFPBs assistance in ensuring that the creditor fulfills its obligation to issue the appropriate tax form, in compliance with federal regulations. 

Action Requested : I respectfully request that the CFPB assist in : Contacting Mercedes benz financial on my behalf to obtain the 1099-C form. 
Ensuring that the creditor corrects any discrepancies on my credit report if the debt has indeed been canceled. 
Providing guidance on how I may proceed if the creditor fails to comply with this request. 
I appreciate your time and attention to this matter. Please let me know if there are any additional documents or information required to support my request. 

Thank you for your assistance. 

Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).
Product: Credit card

I applied for a Wells Fargo credit card online around XX/XX/XXXX. I received the card in the mail and activated it. Immediately after activating I attempted to set the account up online. I could n't get it set up so I called customer service and they indicated that the card was deactivated by the fraud department. I called back to talk to someone else because it did n't make sense. And this time the customer service rep told me I would need to go into a Wells Fargo branch to confirm my identity and then it would be reactivated. I went into the Wells Fargo branch at XXXX XXXX XXXX, XXXX, TX XXXX, the next morning XX/XX/2016 and the branch manager ( XXXX -- not sure of the spelling -- -XXXX lady ) was on the phone for at least 20 minutes and afterwards told me that the card could not be activated and she kept the card. I asked her why it could n't be activated and she said I would need to call customer service. I called customer service and they just said it was a business decision. Yesterday, XX/XX/2016 I received a credit card statement dated XX/XX/2016 in the mail indicating I have a credit line of {$8500.00} with a {$0.00} balance. I called Wells Fargo customer service again and they told me to disregard the statement as it was a mistake and the card was never opened. I decided to check my credit report with XXXX and noticed there were XXXX credit inquiries on my account on XX/XX/2016. I put a fraud alert on my credit. Additionally, since I do n't have the original credit card I can not be sure that the account number on the statement is the same account number as the card since the branch manager took the card from me. I 'm confused as to why there were XXXX credit inquiries on XX/XX/2016. This also lowers my credit score!!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 
-account types are all inconsistent -account detail inconsistent - date opened inconsistent -payment status inconsistent - date last active inconsistent -date of last payment inconsistent
Product: Debt collection

Citibank account was closed accepted payment in full.

Call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX
Product: Student loan

I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.
Product: Credit reporting or other personal consumer reports

My husband has passed away in XXXX XXXX. The only credit card company that contacted me was XXXX XXXX. They left me keep our account with them and I charged the funeral and dinner for everyone on that credit card. As soon as I returned home, I paid that card off. The other companies did not even have the decency to call or notify me. My husband had been ill for almost 2 years, and I have been managing all accounts for years and with my own invested money. Quite a few of the companies were informed of my husband 's death by Social Security. XXXX XXXX, XXXX XXXX  ( that just closed the account ) My credit and his was actually in the high XXXX 's and XXXX. There are closed accounts that I was just a user and now closed but it gives no reason why they have closed al of the accounts in his name which are making my credit look bad and decreasing my scores. I am in the process of moving and wanted those accounts to honor me the cards because we have had 24 years of excellent credit and why should I have to suffer for him passing. I feel those accounts should be removed from my credit if they are harming my score. We have been a customer of XXXX since XXXX. We started out with using our XXXX XXXX at the time we opened the account. in my name. Then they did away with XXXX  and added XXXX XXXX. We have been a credit card holder with them until now. I applied for the card when they told me they closed the account and have now received a letter stating they are unable to approve my application because my credit report shows insufficient credit history. I have taken care of our accounts for the past 15 years and our credit is excellent. Experian is the one that has done the damage to my credit. I do not understand how they have all this ability to hurt people by their comments. It is so wrong. And you can't even speak to someone to get it corrected. Now a widow and trying move back to my home state, I hope they have not ruined my chances for buying a home too. I feel they have too much to control our lives. 
Thank you for your time and help with this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report I am writing to dispute the following information on XX/XX/2023 from the company XXXX. 

This is inaccurate becauseI did not authorize an inquiry. I am requesting XXXX be removed from my credit report. 

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

I submitted a complaint last XX/XX/XXXX and the companies responded. Some items got deleted but some are still reporting. I submitted a complain again last XX/XX/XXXX and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that XXXX, Experian, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

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

It was discovered that some online casino had taken funds out of my account without any authorization from me. The name of this merchant was luckyland Slots. Apparently they are out of XXXX. 

I filed a dispute and was credited {$250.00} in XXXX back onto to my USBank unemployment card. 

Their website states international transactions are not permitted, and online casinos are illegal in the state of Ohio. 

They issued the provisional credits, however, on XX/XX/XXXX I made a deposit and they took {$250.00} from my deposit. Nobody can tell me anything, or provide any information, other than something was mailed that will be received in 7-10 days.

I never authorized any online casino account, in fact because these are illegal and usbank states they do not permit these transactions I thought this would be simple. However, its becoming extremely frustrating, I cant get anyone to have a call with me. 

I have researched this company and it states there is a XXXX XXXX dollar lawsuit pending.
Product: Checking or savings account

on XX/XX/XXXX i deposited a check on the mobile app for {$1600.00}. I started using the app because in person the checks were depositing slower, then i started to deposit in the ATM and the same thing happened so now I used the mobile deposit and the official check from XXXX was on hold for 1 business day which turned to three and then my account went under review which they told me i had to go into a branch to find out why on XX/XX/XXXX. I came in on XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX NY XXXX. Branch manager said that they are closing my account because i endorsed the check. I was furious. I had no idea how this could of happened. He said because XXXX never made the check. My account will be closed and they rarely reopen it then he continued to inform me how to prepare myself to get money if money will be wired. He said I can try to come back in on Monday to talk to the fraud dept. I came in Monday and he wasnt there. I spoke to XXXX XXXX and said was able to get it reviewed again and ill find out by friday if TD Bank will reopen my account that's dated to almost a decade. I came in monday with a bank statement that my check was in a batch of two others that were made at the same time my boss passed out. The other two were deposited to other banks other than XXXX and TD Bank and did it instantly since its an official check but unfortunately for me its a fraudulent check and my bank is now closed after nearly a decade with no fraudulent check activities.
Product: Checking or savings account

Deposited CASH in the amount of {$1300.00} at a stand-alone ATM from Bank Of America , using my Bank of America Card , into my Bank of America Account . Performed this transaction on XX/XX/year> @ XXXX in XXXX NJ, XXXX, at location XXXX XXXX XXXX XXXX XXXX NJ XXXX. 

The machine received the CASH, took a while to process, then printed out a receipt saying : " We apologize for the inconvenience. We are unable to process your request at this time and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I contacted Bank of America immediately after and filed a claim. They told me the funds would likely be released by the end of the business day, if not within 2 business days. Thus far on Friday XX/XX/year> the funds have not been released. I have spoken to Bank of America every day and have received multiple different answers. 

I haven't received a clam ID number. 
i haven't received a uniform release of funds day after speaking with 9 associates on 5 different occasions. 
I haven't been given any further assistance or help. 
The only resolution I have been offered is to wait 10 days, and word for word " if it hasn't been resolved in that time, call back and we will look into it further. '' Which does not explain why they can not look further into it now. I have explained this is for bills and the money is direly needed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  XXXX XXXXXXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.
Product: Checking or savings account

I am writing to file a complain against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charded fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practice are unfair and request an investigation into my accounts transactions.
Product: Checking or savings account

My account was closed due to unforeseen events and now I have money in an account that I can not withdraw nor access. I have tried to contact support for appropriate accommodation and have not been given a satisfactory response as to how I can access my funds.
Product: Checking or savings account

On XX/XX/XXXX I made a online ( XXXX XXXX ) purchase of {$400.00} through my banking card. By XX/XX/XXXX identified that it was a fraudulent transaction. My first thought was to contact XXXX XXXX, who deferred me back to my bank- JP Morgan Chase to help me with this fraudulent activity. On XX/XX/XXXX I contacted Chase and spoke to a representative. He ensured me that Chase has my back, I am fully protected by my bank and that the funds will be refunded to my account within 1-3 business days and not to worry because this happens all the time and Chase protects their customers. 
I did not receive the funds in my account nor did I ever hear back from Chase. A week later ( XX/XX/XXXX ) I contacted chase again to inquire the status of my refund at which point I was informed that there is nothing that can be done, that chase reviewed it and that this transaction can not be refunded. The following day ( XX/XX/XXXX ) my husband who is also on our account also attempted to call chase to resolve it. It escalated to a manager who informed him that even though they previously told me that I am protected and they will refund me this promise will not be up held upon their promise. 
Me as a customer of Chase should expect to receive accurate and timely information, especially when it comes to a substantial amount of money and fraud. What I was told by the chase representative and the outcome of this was not the same, which is that this transaction is protected, not to worry and funds will be refunded. Outcome was that funds were never refunded and we were never contacted by chase.
Product: Debt collection

I called to notify Asset Recovery XX/XX/XXXX the debt was not mine and the woman I spoke with couldn't provide me with the information needed to ensure it didn't wind up on my credit report and when I indicated that the debt did not belong to me and asked when it was opened, XXXX and when it was charged off XXXX, I indicated that it was 13 years old and I also have never in my life had a line of credit and didnt open the account and she began to tell me how embarrassing it must be to know I'm not able to pay my bills and especially from that long ago and hung up on me. When I tried to call back the operator wouldn't connect me with a manager.
Product: Credit card

I tried calling to get my GM XXXX online account locked and it started with a computer hanging up on me twice before I finally got sent to a customer service representative. The representative kept calling me as XXXX and referring to me with male pronouns despite me telling them it is she/her pronouns and the correct spelling of my name as they need this to access my account. When the agent tried telling me I need to calm down I told her she needs to use the correct pronouns and use my correct name. She then put me on hold. A couple minutes later they called back saying they can not do anything and hung up. All I want is access to my online account. I can not access it when they are doing nothing but making insults to me because they chose to be prejudice against XXXX women!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX NUMEROUS TIMES I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED PER FCRA 605B ( 15 U.S.C. & 1681c-2 ) TO BLOCK THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This information is not mine I was a victim of the Equifax Data Breach and since then my identity was stolen and used in a variety of ways