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

Im writing to express my discontent about a matter involving my savings account. I received a notice recently informing me that my savings account would be converted to a checking account in 30 days due to exceeding a specific amount of withdrawals and transfers. In response to this notice, I contacted customer service to find out if its possible to make an exception to allow the account to remain a XXXX XXXX savings account. I spoke with several representatives and ultimately a XXXX by the name of XXXX who informed me that the bank is mandated to comply with Federal Reserve Regulation D which limits the number of withdrawals and transfers from the savings account and unfortunately there was nothing that would be done to intervene. I researched Regulation D and found out that the Federal Reserve Board lifted it in XX/XX/2020 which allowed banks to immediately suspend compliance with this regulation. 

Contrary to what I was told on the phone, banks are no longer mandated to comply with this regulation and it is up to their discretion as to whether or not and how it is enforced ( e.g. fee assessments ). Im more than happy to comply with the necessary fees if the account is allowed to remain the same type it currently is. As a long-time customer, Im requesting an exception be made to allow my account to remain a XXXX XXXX XXXX account and serve as overdraft protection for another account as is currently configured. The account has also been affected by fraudulent activity a few times which has affected its status. 

Ive spoken with several back representatives about this matter and am ultimately being told that it isnt possible to stop the account conversion process. If there is absolutely no workaround to stop the conversion process, Im requesting an accommodation to be made after the account is converted to a checking account. Im requesting that the checking account be converted back into a XXXX XXXX XXXX account or that I will be allowed to open another XXXX  XXXX XXXX account, with the same terms and conditions as the current savings account. 

I hope your organization is able to assist me in coming to an amenable solution. Thanks for your time and cooperation.
Product: Checking or savings account

XX/XX/XXXX recd 2 emails from XXXX -2 transactions auto pay did not go thru. XXXX and other XXXX. On XX/XX/XXXX I contacted chase checking I lost my card. They indicated to me would close & resend new card. Did not tell me anything as I had to ask questions on how this works. I asked about ability to receive funds, auto pay was told it would go thru. occuring will go thru ... so why did 2 autopays with XXXX go thru on the XXXX? Funds are available and chase refused to put2 XXXX transactions. Clearly 10 items came in ent thru after XXXX also asked chase if they would contact me if someone uses the debit card after XX/XX/XXXX as they stated I could set up online as I did. I did not receive any warning of the 2 transactions coming in nor a statement indicating the 2 debits even came in & denied! Nothing. Keep in mind since the XXXX, clearly my statement shows 9 transactions came in and went thru. TWO were auto pay ( XXXX  ). came in on the XXXX and cleared. Today XXXX XXXX and XXXX refused to assist and refused to transfer me to a manager, asked for manager to call me-no one called. They had no right to deny XXXX transactions and never provided notice in writing or over phone of autopay not going thru/denie due to lost card. Refused to assist and treated unfairly.See stmt/ltr
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my complaint to the three credit reporting agencies, XXXX, Equifax, and XXXX, because they are reporting inaccurate personal information of mine on my consumer credit report and infringing my consumer rights pursuant to 15 U.S. Code 1681 ( a ) for continuing to report information on my consumer report without verifying the accuracy of the information first. I want it deleted from my consumer report for it is harming my reputation and I can't receive mails in those addresses nor am I reachable in those addresses. 

They also violated my consumer rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Permissible Purpose for reporting information on my consumer report without my permissible purpose. They did not even reach out to me to confirm any personal information that only I can verify before they report it on my consumer report.
Product: Money transfer, virtual currency, or money service

" You sent XXXX XXXX via XXXX network To : XXXX " However it's been over XXXX hours and on https : XXXX or any other blockchain for this address " XXXX " it does not show that any amount of this such has been deposited to this address on XX/XX/2023. My account was also frozen/ blocked and I am unable to login to my account to view the pending transaction " If it even is pending, I am not sure at this point since they blocked my account ". I have also tried to re-verify with my passport and driver ID of XXXX / XXXX to unblock my account and they are denying me
Product: Credit card

This is about a problem with a credit card company. I live in XXXX, my son lives in XXXX. He is an authorized user on my credit card, which I provided him for emergencies. But because we live in different places, every time he tries to use it -- that is, during emergencies such as car problems -- the credit card company declines the charge. Even though he is an authorized user. I have called the company, even to alert them to charges, and the card is still declined. I 'm willing to do whatever I can to provide my son this safety net, but the credit card company makes this impossible. What is a father to do?
Product: Credit card or prepaid card

In XXXX I tried several times to make an online payment, and to call in and make a payment. They kept saying there was a system error and that I needed to go to a local 5/3 location to pay. I don't have a local 5/3 location. Every time I tried to pay them I got this same error. I called and spent hours on the phone and they could never help me resolve the problem. buy the time I was able to make an online payment. it was considered late. and they charged me a late fee and reported me delinquent to the credit reporting agencies. This has happened several times in other months as well. Unfortunately, in this case it was to late for me to mail a payment. I was finally able to make a payment XX/XX/2018 for XXXX. but I was trying to pay the balance in full. It would not let me make a larger payment. I feel like 5/3 is intentionally causing error to get late fees. or in the very lease being negligent in addressing the issues to help clients make their payments. I spent hours on the phone. I have never had a 30 day late. and this is the second time it has happened with 5th third. both surrounding the same circumstance. they refused to correct the credit, and told me they don't save the notes. I paid the remaining balance of by mail, immediately after.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX and it need my capital one bank statement and it won't let it pop up. I need that information. For the app to see so i can get my loan For rent
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a late credit card payment that is inaccurately showing on my Experian credit report. I believe this violation is in direct conflict with the regulations outlined in the 15 U.S. Code 1666b, which governs fair credit billing practices. It states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I hold a credit card with XXXX XXXX, account number XXXX. According to the information on my Experian credit report, there is a late payment listed for the billing cycle ending XXXX XXXX XXXX. I would like to bring to your attention the following points : Compliance with 15 U.S. Code 1666b : Section 1666b of the United States Code governs fair credit billing practices. It ensures that consumers are treated fairly and have the right to dispute incorrect charges or billing errors. It is evident that the reporting of this late payment is erroneous and does not comply with the spirit of this law. Negative Impact on XXXX XXXX : The inclusion of this late payment on my credit report has had a significant adverse impact on my XXXX XXXX, affecting my ability to secure favorable credit terms and causing undue financial harm. This negative reporting is unwarranted and violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding Equifax 's inaccurate reporting.The reporting account details differ significantly between both Equifax and XXXX, XXXX variations in account type, payment status, and inconsistent dates. The reported date of last payment also varies between agencies. The date of last payment reads XX/XX/year> but the payment history reads " OK '' on dates after. Equifax reports the account status as " XXXX '' consistently, which contradicts XXXX 's derogatory status. 
The account is reported as " Collection/Chargeoff, '' suggesting different stages of delinquency or debt resolution that do not align with the true status of the account. 

Despite attempts, Equifax has failed to correct this error, which is negatively impacting my credit report and financial standing.This incomplete and misinformation has significant implications for my credit report and financial standing. I request your assistance in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.
Product: Payday loan, title loan, personal loan, or advance loan

OK I applied for {$3000.00} loan and the bank said on their website that I was preapproved and for the {$3000.00} cash loan and then they ran a hard inquiry. I looked through all the information that they offered and it was just the cash and if I got approved, it would just be the cash when they made the offer they made only one offer that they would take over my car payment which I owed {$9000.00} on {$300.00} a month at XXXX XXXX interest and then, it would go from owing {$9000.00} to owing {$15000.00} and paying {$500.00} at XXXX XXXX interest which is Id never asked for my car to be touched and it doesnt say anything on the {$3000.00} loan that they could touch it, so they are trying to strong army and pretty much since I am about The inquiry on my credit score if I dont take this alone Im not gon na get the house that Im supposed to get in XXXX and its not that they know that and they dont theyre not I dont have no debt I make {$4000.00} a month and Im trying to help my credit score instead of that and said that theyre turning my car against me for no reason I never asked for my car to get put up
Product: Money transfer, virtual currency, or money service

Accidentally sent an significant amount to ( {$250.00} ) to someone and it was Accidentally sent to wrong person. Called bank and they said it was nothing they could doh
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am disputing inaccurate information currently listed on my credit report. Under the provisions of 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release or reporting of my personal information to the entities listed below. These actions violate my consumer rights, as there is no legal basis for these entries to be associated with my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, which may be indicative of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities. Therefore, I am requesting the immediate removal of these items and inquiries to ensure the accuracy of my credit report. 

I expect this matter to be addressed promptly, and I kindly request confirmation once the necessary corrections have been made. 

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

A {$500.00} amount was opened in an account at the company of XXXX XXXX XXXX last XX/XX/year>. The account was placed on collection on XX/XX/year>. I received an email coming from this company that is saying that I have an account with them that is already on a collection account.
Product: Debt collection

XXXX   XXXX  says that I owe {$900.00}, I had already paid the {$900.00} the time I was moving out of the apartment. Then they said the {$900.00} was for the carpet repair, it is impossible as I had already cleaned the carpets myself and paid someone to do that. I DO NOT owe this debt.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy XXXX and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or transunion any and all consent to XXXX, Trans Union and XXXX whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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. 

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title XXXX and trans union are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ;
Product: Checking or savings account

On XX/XX/2020, two unauthorized withdrawals were made from my Bank of America checking and savings accounts, totally {$9000.00}, from two branches in Maryland. I called Bank of America within minutes to report the fraud. I have filed police reports and reports with the FTC and submitted all documentation to Bank of America by both fax and certified mail. I have contacted the Bank of America fraud department on seven occasions hoping to have our funds restored. Bank of America has not reached out to me and will not provide a status update regarding the investigation other than to say they plan to take 60 days to investigate. I believe this time frame is in violation of the CFPB 's rules for investigating and restoring funds. I am requesting an immediate response from Bank of America about the status of the investigation into this fraud and immediate restoration of funds.
Product: Credit card

I was approved for the chase credit card with a balance transfer offer. I received the card. My balances have transferred over. 2 months later, I received an email that my account is going to be closed with no explanation And that I would receive a letter shortly. I contacted chase and spoke with a representative. They were unable to provide me with an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally was able to access my Experian credit report and see on XXXX XXXX without my knowledge and consent somehow accessed my experian credit report info I have never had anything to do with them and not aware of of this and it is all total fake and fraud. 
I am not trying to buy or get any financing for any car and if this is that it is fraud. 
I also never had anything to do with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the years of XXXX to recent ( XX/XX/XXXX ) Credit Karma provided me with approvals on credit cards and personal loans, however when I applied I was denied. This misrepresentation impactee my credit score by applying for credit I wasn't ever approved or pre-approved for.