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

I am writing regarding the above-referenced account currently appearing on my credit report. As I am nearing the final payment of this debt, I would like to request a goodwill removal of this account from all credit reporting agencies ( XXXX, TransUnion, and XXXX ) once my final payment is received. I appreciate your cooperation in resolving this matter and acknowledge your assistance throughout the repayment process. I believe removing this account from my credit report will serve as a XXXX  gesture in recognition of my efforts to fulfill the obligation in full.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my husband and I went to XXXX XXXX XXXX to trade our company vehicles. 
On XX/XX/XXXX, I received a notification from the monitoring credit bureau that my credit has dropped over XXXX points. 
I had no idea what was going on and I started investigating the situation. 
On XX/XX/XXXX, I called Chase Auto to see why they posted that I was 30 days late on my truck payment when I traded the vehicle on XX/XX/XXXX to XXXX XXXX XXXX. They said they haven't received the payoff from the dealership. I said yes you have. I have the recipe they sent me from the pay off. The superior advised me to go to a chase bank branch and fax the payoff receipt to them. I did exactly as they asked. He then told me to call Chase auto back while I'm at the chase bank branch and let them know the fax was sent. I did that, but while I was talking with another supervisor from Chase auto, she started to accuse me of being late on my payment. I've never been late on any of my payments nor any of my chase credit card payments. I told her the payoff that the dealership sent paid the XXXX payment and the rest of the vehicles balance. I then, Ask her to back date my account and remove the discrepancy from my credit. She began to accuse me again of me not paying my payment and it was late. I could see that she was trying to entrap me. So, I explained to her again. The payment wasn't late and the payoff covered all balances owed on the vehicle. Needless to say, nothing was done and no back date was added to my account to correct the discrepancy on my credit.
Product: Checking or savings account

I am in a homeless shelter in XXXX XXXX and need medication I have an emergency. My debit card number is : XXXX. My name is XXXX XXXX XXXX. My email is XXXX. My phone is XXXX. I need medication and need to reach someone immediately. Preferably a supervisor. There must be someone in charge even though it is XXXX XXXX weekend and there is limited contact because of the virus. But there must be someone in charge for emergencies. My account was closed because I had a negative balance of {$290.00}. Which is fine. I don't want to bank with a bank that won't give a customer time to cover a negative balance. I am homeless and living in a shelter but was XXXX. A charity deposited {$5000.00} for me. I called to get the money from the deposited check released but they told me the check was no good. This is ridiculous. It is a reputable charity and credit union and the check is perfectly good. The validity of the check that was deposited can be easily checked with the head of the charity or the credit union it came from. Of course, the negative balance can be deducted. 
I need emergency access to the funds. I have called many different Chase numbers. At first, it's 24-hour customer service line answered. I called 3 times and explained the situation and to please get  me in touch with whoever was in charge of emergencies. I was switched to a department that was closed every time and got a recording and a disconnect. I called every other number I could find for Chase and they all had recordings saying they were closed. 
I don't know if there is a specific rule requiring banks to have someone on call at all times for emergencies, but there should be. Especially a bank as large as Chase. I posted what was going on on the XXXX  XXXX account by mistake and they responded within an hour. 
I do know there are many rules and policies requiring banks to make funds available from deposited checks. The FDIC policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. 
Under TheExpedited Funds Availability Act there are time limits too. 
I don't know what Chase used to determine that the deposit in question was suspicious for fraud, but whatever they did was obviously deficient. The supervisor I talked to only took less than 5 minutes to check. At least as a practical matter, banks should be required to be sure they have in place a reliable system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was researching my credit report as I do every month and noticed an account from XXXX XXXX It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in XXXX. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.
Product: Debt collection

Keep calling me repeatedly when I 'm at at and around XXXX. They said there is a problem with my account and they are represented some fitness company and there membership. I do n't have any memberships to any where.
Product: Debt collection

I have gotten an alert on my credit report that a collection was added. I looked at this collection and they say I owe XXXX. I do not owe any agency nor bank {$19000.00}. I did not receive any notice showing that I owe this debt. If this debt was purchased then I would like to see the full contract of this debt showing the amount that was purchased and what they paid for it. I would also like to see what fees are being attached to this. I never signed any contracts for this amount and If there were any contracts that was signed for this amount then I am considering this to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a notification from XXXX XXXX XXXX XXXX  and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with TransUnion, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.
Product: Checking or savings account

First Citizens Bank, XXXX, NC. did at XXXX XXXX XX/XX/21 institute a system wide protocol change that eliminated security code access VIA email for account holders. This was done with no advance notice and also done with no cause. Furthermore, FC entered into the respective account holders personal profiles ( in violation of FDIC, federal laws, and FCs own policy ) and changed/ removed personal account holder information. We have this documented with before and after screen shots. We also have this verified through FC personnel ( names on file ) who assisted us in re-entering our locked account. 

It would take over 2 days before FC personnel could provide us access back into our accounts. We held 4 accounts at the time with a combined amount of {$2000.00} - {$10000.00} dollars. 

Then, on XX/XX/21 FC did, without cause, elect to close all of our accounts without cause and provided only a 6 day advance notice before the accounts were taken from our control. One of those accounts handled a monthly SS deposit. The SSA requires 60 day notice to change accounts. So currently we are without that SS support for an unknown period of time. These actions are in violation of Title 63.2 and N.C.G.S. 14-159.12.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was assessed with a wrongful 30 day late payment. This was on the onset of covid when my hours at work were dramatically decreased. I made my minimum payment of XXXX on XX/XX/XXXX ( 29 days late ) my due date is XX/XX/XXXX. Since then I have paid off the card and my balance is zero. When explaining this to them they had no mercy and wouldnt make an adjustment to my credit report. Similar to in 2017 when I had auto pay to a different bank account and they wouldnt remove the late payment. I understand being firm on policy but for a customer of 3 years to not be understanding during a worldwide pandemic is not encouraging as a customer. This is preventing me to qualify for a mortgage and effecting my quality of live.
Product: Debt collection

I received preventive care from XXXX XXXX XX/XX/16. They submitted this to collections after I was told via email it was corrected as a result of being preventive care. My insurance classifies routine XXXX XXXX as preventive care. This was not due to a illness, etc. This was a yearly routine physical.
Product: Checking or savings account

My sons and I all had accounts under my name at Bank of America. XXXX XXXX had his account for some years with no issues. XXXX # XXXX, XXXX XXXX XXXX, had his account for a few months and reported his ATM card as missing/lost, and a replacement was being sent. In the interim, I noted activity in the account BOA was notified, and the account was to be closed. Despite the request to close the account BOA continued to allow transactions to occur. There were multiple transactions that were being disputed and investigated, but none of the claims involved a return of funds. The last letter stated they believed I made the transactions. Note a police report was opened related to these items as well. 
XXXX dollar charge to XXXX XXXX XXXX XXXX XXXX XXXX ( This is a utility bill of which they should be able to find out whose account benefited from this payment ). There was a check deposited for the amount of {$1800.00} in the name of someone not connected to the account but not questioned and somehow cased out of a teen account. There was a {$300.00} atm withdrawal, and 2 XXXX XXXX XXXX 1 for {$150.00} and 1 for {$200.00}. 
The biggest question/issue is Bank of America closed XXXX # XXXX account as they should have given the fraudulent activity that was occurring but moved the negative balance to son # XXXX account rendering his account negative and removing all access he had to his funds and still has not returned and continues to be at a negative balance as we try to figure this all out. It has been nearly impossible to speak with anyone at Bank of America regarding this incident, and not this is an account that I have had open and in good standing for over 25 years.
Product: Bank account or service

My name is XXXX and I used to have a checking account, money market account and mortgage with Bank of America ( via Countrywide ). Bank of America, now referenced as BOA, screwed me over with regards to my modification and then sold my loan to some 'off the wall ' trust. The real reason for this complaint was that I sent about XXXX letters requesting that the checking and money market accounts be closed immediately since the year of XX/XX/2014 -- probably more! My lawyer at the time also sent a letter and of course they state they never got it even though the executive office confirmed receipt. They keep sending me statements which I nicely mark 'RETURN TO SENDER ' because my checking account had only a {$.00} balance in which I told them to send to me if they chose to -- I do not want anything else from these crooks! It is a waste of their resources to continue to pester someone who earn/will earn them XXXX profit! I do want any correspondence -- NOTHING! I should not have to send in anymore letters requesting closure especially the way they treated me with regard to my injury and my past mortgage! I am done!!! Please assist me and tell BOA to stop bothering me. Post my name -- I do not care. I want as many people as possible to know how this scheisty 'financial organization ' can be to innocent citizens.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against EQUIFAX concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). Despite providing supporting documentation that substantiated my claim, EQUIFAX responded on XX/XX/XXXX, indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Equifax may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes.

Despite my attempts to resolve this issue directly with Equifax through certified mail, my concerns remain unaddressed. Situation.
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 medue to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking -Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -1002.142 ( b ) ( 7 ). I kindlyrequest that you block this information from my credit repot within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama victim of human traffi cking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Experian and XXXX. Please delete the following accounts : XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7400.00}, @ XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my rights, they are reporting late payments to the credit bureaus and under these XXXXXXXX XXXXodes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXXXXXX XXXX XXXX permission which is another violation. 

My complaint is also with XXXX, EXPERIAN and XXXX who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.I sent letters to Experian, XXXX XXXX and XXXX notifying them of the violation but they are still reporting the payments late as well
Product: Checking or savings account

Wells Fargo is double dipping. They take money once when a purchase is pending and again when it clears for XXXX and XXXX. I requested bank and transaction logs. 

They double dip. They clear things twice and deny it. 

Back in XXXX, WF decided to stop letting my account overdraft. I tried to circumvent them by transferring money into my cashapp. They dont like it. They clear it twice. I dont have bank logs, but the math adds up. I want my money back!!!!! I have {$8.00} right now and havent bought ANYTHING basically from my {$3000.00} paycheck XXXX days ago!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Law 15 USC 1681b ( a ) ( 2 ), my rights have been violated. Under this law, it says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give Experian written instructions or permission to furnish the late payment on my credit report. 
Account : XXXX If the credit reporting agency " Experian '' is not able to show an affidavit with my written permission to furnish this late payment, then I exercise my consumer rights to have this immediately removed from my report according to the law.
Product: Credit card

Chase sent promotional checks of 0.00 % interest for 1 year and I used one in XX/XX/ for {$1100.00}. I also have on this Chase credit card 'My Chase Plan ' balances that I set up months ago that if I pay a portion each month I avoid interest charges ( but I do pay a monthly fee that was less ). I recently received my bill and to avoid interest I must pay the promotional check balance of {$1100.00} in 30 days because I have an active My Chase Plan. I reviewed the paperwork of the offer with Chase customer service that states " Prior to taking advantage of this offer, if you did not have a balance or if you paid your balance in full each month, you did not pay interest on your new purchases. This is referred to as an interest-fee period ( also called a grace period ). If you take this offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ) you will lose that interest-free period. This means that you will begin paying interest on all new purchases even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' The agent at Chase stated that since I had an ongoing 'My Chase Plan ' active on my balance I was ineligible for this promotional offer because I do not pay my balance in full each month ( disregarding the My Chase Plan ). I disagree because I do pay my balance each month according to the My Chase Plan, and no where does it state that if you have an active My Chase Plan that the promotional checks do not apply. The language in their offer does not specifically state this and it is misleading. It should state that if you have an active My Chase Plan than this offer would not apply. The Chase agent noted my disagreement but did nothing to correct the problem.
Product: Checking or savings account

Company closed account, will not give me the XXXX $ in the account, American Express XXXX XXXX XXXX, I was told to initiate a recall with the original funding source, this does not exist, spoke with XXXX of XXXX for XXXX XXXX that was original funding source, recall funds does not exist, never has, and never will, American Express is holding onto my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( 9 ) hard inquiries to my credit are not authorized and I am requesting that they are removed from my credit repot. They are on my Equifax report but not on my XXXX XXXX report. * XXXX XXXX XXXX XX/XX/XXXX ; inquiries were made by XXXX XXXX  XXXX for the following dates:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would not keep applying for credit over and over again to these organizations knowing it would add more negative impact to my credit. I did not authorize these inquiries. Please remove right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information and inquiry that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information and inquiry not later than 4 business days. 
XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The Company reported my loan as 30 days late 3 times ( XXXX, XXXX, XXXX. ) on the report which it is not. The latest being for XXXX even though we are still in the month of XXXX. I contacted the Company and Bureaus to report it and it was verified by the Company. When I called XXXX they claimed they don't have a credit reporting department and therefore there was no one to talk to and to contact the Bureaus. It has jus been a back and forth...
Product: Credit reporting, credit repair services, or other personal consumer reports

I had printer issues and wifi connectivity issues i tried to print the report but was logged out i need to reprint it.