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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding General Motors Account and Incorrect Credit Reporting of Cancelled Debt To Whom It May Concern : I am writing to file a formal complaint regarding an erroneous credit reporting issue involving my General Motors account , which has been closed and resolved through the issuance of a Form 1099-C for the cancellation of debt. The Form 1099-C, dated XX/XX/XXXX, was accepted by the IRS, and I have attached a copy of the form for your reference. 

According to IRS regulations and the U.S. Tax Code, once a debt is canceled and reported as income under the applicable IRS guidelines, the debt is no longer collectible and can not continue to be reported as outstanding on my credit report. Specifically, per **IRS Code 26 U.S. Code 61 regarding " Gross income defined, '' the canceled debt is considered taxable income, not an active debt. Furthermore, continuing to report this as an outstanding debt on my credit report violates 15 U.S. Code 1681c ( a ) ( 4 ), which governs the accurate reporting of debt information.

The General Motors account, in particular, was related to an auto loan that has been resolved, as evidenced by the cancellation of the remaining balance of {$39000.00}. I have also enclosed a copy of the supporting documentation for the account, including the 1099-C form, which verifies that this debt has been legally discharged and should not be reflected on my credit report. 

Sincerely, XXXX XXXX Enclosures : - Form 1099-C ( General Motors Account ) - Relevant IRS and U.S. Code References
Product: Credit reporting or other personal consumer reports

I filed an FTC report for identity theft because my personal information has been exposed in data breach of over XXXX XXXX consumers personal information. I would like to have and appreciate of all accounts showing on my credit report to be removed immediately. Two accounts showing negatively are from Jefferson Capitol Systems ( Original creditor XXXX XXXX  ) with partial account numbers showing XXXX, ( Original Creditor XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Hello, Sir/Madam.

I have been the victim of identity theft. I recently discovered that my personal information was used to open an account with the original creditor, XXXX XXXX. 

I did not open or authorize this account, thus I request that it be closed immediately. I also ask that you absolve me of any charges on the account and take all required steps to remove information about this account from all records as soon as feasible!!!! 

A copy of my Identity Theft Report, which backs up my claim, is provided, along with copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also given, which details your responsibilities as a provider of information to credit reporting bureaus. As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must stop providing identity theft-related information to any CRA. 

The Notice also specifies your responsibilities when a CRA tells you, in accordance with Section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft.

These responsibilities include refraining from providing inaccurate information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. Please investigate this problem, deactivate the account, clear me of any charges, adhere to the Fair Credit Reporting Act 's obligations, and send me a letter describing your findings and actions. 

IN ADDITION, I HAVE EMAILED, CALLED TO GET THIS ACCOUNT REMOVED WITHOUT FAIL AND THEY CONTINUE TO LIE LIE LIKE BUTTERFLIES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the following letter to XXXX, Equifax and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. 
Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracy. The XXXXcredit bureaus must validate this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The following account must be investigated and corrected for erroneous reporting in my file, as listed on my credit report : XXXX XXXX XXXX XXXX : {$18000.00}
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 U.S.C 1681 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 XXXXXXXX 15 U.S.C 1681 section 602 A. State 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 reports 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Check into cash attempted to take out {$530.00} on XX/XX/XXXX out of my checking account without warning or notice. No call, no email or text. I went into default with the loan due to financial hardship sometime in early XXXX I reached out to a debt relief agency to get my finances back on track after a long illness. I was finally getting on track and then all of a sudden and not hearing from them in Months they try to take that money. That wasn't even the amount I owed. Who knows what they were trying to charge me for. I had no break down of the charges, no contact, no nothing. I reached out to the local office with no luck. The line was busy for two days. I reached out to the corporate office in which they were no help either. It has got to be illegal to to take that large amount of money without warning or consent. That wasn't even in the agreement. If that payment would have cleared the bank it would have left us with no food or rent money. That is not right or ethical. I want to file a complaint on this company for unethical business practice and I will be contacting the district attorney for further action
Product: Debt collection

XXXX XXXX jail they put XXXX on my credit report told me I have to paid them because they took over the debt I didn't no knowledge of this was going to in facts my credit score. They put this on my credit without my knowledge didn't know nothing about into I talk to a private company call Allstate bureau they told me I got paid them or this will keep hurt my credit score
Product: Debt collection

RE : XXXX partial account # XXXX XXXX XXXX XXXX has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}. 

The above mentioned account is an old Capital One credit card which was closed due to fraud back in XX/XX/XXXX with the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old. 

I have written XXXX XXXX twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX. 

XXXX XXXX has refused to provide those records and alternately become more aggressive trying to collect. 

I will prove that XXXX XXXX has been engaged in fraud against consumers for years. 
I will prove XXXX XXXX intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit. 

XXXX XXXX has also provided untruthful statements to XXXX, XXXX & XXXX in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports. 

These and other willful schemes of XXXX XXXX has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One auto finance and XXXX XXXX XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord. 

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court. 

Through my research, it seems XXXX XXXX has a history of manipulating records and attempting to collect on debts they have no legal right to collect. 

I have requested records of this debt and XXXX XXXX has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
Product: Checking or savings account

XXXX/XXXX/XXXX three direct deposits were made to my checking account. Once made my available valance was shown as {$390.00}. 

At which time I withdrew {$200.00} from my account via the bank atm. 

After the withdraw my account balance showed XXXX XXXX.Which should have been accurate. However the next day I noticed a {$35.00} charge on my account for unavailable funds. 

The banking representative said while it may have shown I had the available balance, and by the way such deposits via direct deposit have always been available immediately in the past, I was told that the bank would not return the fee since while the account showed an available balance it was n't really available and was being processed on XXXX/XXXX/XXXX.
Product: Credit reporting

I have just received information from CFPB about a dispute I filed with the collection agency XXXX XXXX XXXX '. The response to my dispute is that the collection agency removed the erronious collections report BUT only from XXXX Credit Bureau, XXXX. The XXXX other Credit Bureau 's have not been contacted by this collection agency to remove these errors, XXXX and TransUnion - even after I acquainted this information on MY credit report to them XXXX times, which they agreed they reported in error. 
This has been an ongoing issue since XXXX/XXXX/2015 with many hours of work that I have done ( more than XXXX hours daily since XXXX/XXXX/2015 ) to correct this abusive and now malicious, incompetent reporting that has caused me a great deal of distress! ( XXXX credit Bureau informed me that my credit score dropped more than XXXX points because of this collection report! ). The collection agency XXXX XXXX XXXX ' have always agreed, each time that I have called and spoken with the secretary thru the manager, that it was a mistake and that they would correct it or have it removed from MY credit reports. This has NOT been done except the correction with XXXX and that was changed only because of myself filing my dispute. 
I have gone thru, in detail, the information with the FCRA and have found several discrepancies in the steps that are legally required for the collection agency XXXX XXXX XXXX ' should have adhered to with MY situation. They have illegally ignored or are very inept with any knowledge of the steps for credit reporting, removing the incorrect information, and many more innumerable legal required practices. I have discerned any and all steps I can legally attain because of their incompetent actions. I have the data that I acquired if needed. 
This is a very disconcerting situation with this collection agency XXXX XXXX XXXX ' and I am asking what steps, if possible, that you are capable of taking with their illegal practices of the FRCA?
Product: Debt collection

I've asked ( Transunion ) to remove a collection from XXXX XXXX XXXX I hereby dispute the alleged debt of {$420.00} which XXXX XXXX XXXX claims I owe them I requested a copy of the original contract agreement with the original creditor and sign by all parties which they failed to produce im not in any contract or business with XXXX XXXX XXXX whatsoever I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume no proof of the alleged that not there for any such that exist please remove this from my account this a violation of 15 USC 1692e and 15 USC 1681B 15 USC1692g
Product: Checking or savings account

They would deduct the highest charges in my account causing insufficient fees for all the smaller charges. Obviously created by design. If this was done reverse, there would be fewer fees. There times I was hit with 3 fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in 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
Product: Credit reporting or other personal consumer reports

My recent credit report review revealed errors involving late payments. These inaccuracies misrepresent my payment behavior. I request that you fix these mistakes and update my account promptly.
Product: Bank account or service

Opened an account at u.s. Bank online not even a month after opening the account my card was compromised I freaked out and called as soon as I saw the authorizations pending the guy on the phone told me they were just authorizations and that they would fall off in three days they did n't fall off a few days later they posted to my account so I called again this time livid that I had been lied to but this was only the beginning of the lies the gentleman shut down my card I told him I would not be comfortable depositing anything into the account until the number was completely changed he said that would n't be a problem and so did numerous customer service reps I even have an email where one of these reps acknowledged she saw that in the notes exactly but I 'm getting ahead in the story so back to the second call I told him to turn off my overdraft before he transferred me to the fraud department me and the fraud department went through all the transactions I told him I had a car payment pending out and he assured me that my car payment would not be returned and it was first fee hits I call fraud they said " overdrafts are paid at the banks discression '' but they did promise any fees related to this at all would be refunded XXXX XXXX they apply provisional credit I removed all funds until account number can be changed except a small amount of money on the XXXX my auto financier put through the car payment again and I 'm charged a second fee I call and explain what I was told over and over again only to be told too bad they do n't care that I was n't comfortable putting my money in an account that was compromised or that they told me all fees would be waived if related I would say me not being comfortable putting a cent in an account that I do n't feel like is secure basically we do n't waive overdraft fees we are US BANK so I begin emailing customer service only to be told repeatedly that it 's my fault my issue not a US BANK issue I get conflicting information from every other email they send and then they tell me their entire management team has reviewed it and I have to pay these fees I told them to close my account so I would stop getting charged " extended overdraft fees '' they said they could n't until I paid the balance remember I opted out on the phone when I reported the card stolen initially. So these are n't even fees I agreed to by this point. This bank needs to be broken up you can find so many blogs of similar or worse issues the one constant thing is lying. Integrity is extremely important especially in a financial institution. Taking ownership of issues is another thing you ca n't do you boast 5 star service it 's more like 0 star service your people are rude and hateful you do n't do what you say you 're going to do you definetly should n't be trusted with anyone 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Chased closed my account because they let fraud through and refuses to show proof where debit came from.
Product: Credit card or prepaid card

I closed my Capitol One Menards account XX/XX/XXXX after speaking to customer support regarding payments that were applied incorrectly and asked to have them reapplied to the correct Promotional Financing options. The rep told me they could not do it, I asked to speak to a supervisor to attmept the correction and was told by the supervisor that it could not be done. I stated to give me a payoff balance and paid the balance off by Credit Card. After that I never received any other bills or notifications regarding my account until I was called by Collections regarding an unpaid balance of $ XXXX that had accured fees and interest totaling {$140.00}. I spoke with another supervisor regarding the fees stating that I closed my account and had received no additional notification regarding any remaining balance. He stated that the best he could do was waive a certain amount and I settled for paying {$71.00} on XX/XX/XXXX to settle my account. I believe there was a breakdown in communication since I never received word that I still had a balance and then they sent me to collections which has resulted in negative impact on my credit score. Subsequently, I received a letter from Capitol One ( Menards ) stating that I had overpaid and have a credit on my account now and would be receiving a refund check in the amount of {$30.00} within 30-60 days Ultimately, they credited all the late fees and interest charged and I only charged me the $ XXXX. Respectfully request to have the negative impact of Capitol One ( Menards ) removed from my report.
Product: Credit card or prepaid card

RE : Citibank, N.AXXXX, XXXX South Corporate Place, XXXX XXXX, SD XXXX CitiBank Costo Card  My account closed in XXXX of 2021. 
I need my statements for the XXXX XXXX. 
I originally called for my statements on XX/XX/XXXX21. 
The rep stated it would take 14 days. 
I called 15 days later and the rep stated it would take 30 days from the original call. 
Now when I call to get a letter or email to show the XXXX XXXX the extended timeframe the XXXX department for Citibank states they can not share that and stated it can take 30-60 days to receive a statement. This is delaying my XXXX and may cause XXXX XXXX if I do not provide the statements. 
The reps will not allow me to speak to supervisor. Every time we call the supervisors are " busy '' and will be 30-60 mins to speak with someone. The reps do not allow us to hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just need my mortgage information reported by Experian Credit Agency, as it is reported by XXXX XXXX and XXXX. Back on 2016 that information was removed from my credit report and it is not being updated as of today because of the stupid reasons, such as reporting date issue. For more than a year I am trying to resolve the problem with help of my mortgage company XXXX XXXX XXXX and no luck. Experience representatives are confirming over and over again that there is nothing can be done, it is against the law to update my mortgage information with the same loan number. 
Please help me to resolve this ridiculous issue.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX  XXXX. : Ending in XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX