23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to request XXXX XXXX to remove the late from XX/XX/XXXX on my credit report. This was an accurately reported as the system was down when I tried to make my payment at the end of the month which would not have been late. I do that every month with no issues. I have snapshots showing that the system was down yet they are coming back saying that they have no login information for me during that day which is crazy because the system is clearly down and why theres a glitch and them not showing me logged in. I obviously have snapshots showing that the system was down which wouldnt have taken place after the fact because the date on the snapshots indicate the system being down on XXXX XXXX. They keep coming up with excuses why they wont remove it and at minimally I would requested to be done as a courtesy even though out of principle it should be done Ive been a loyal customer and Ive never been late on my payment to them. Is clearly was a system error and I refuse to let this go. I am correct and I am very upset and frustrated that they have negatively reported this on my credit report when I have been a loyal customer and have proven to them with many snapshots that I tried to login and was unsuccessful due to the system error and then going down. Hi again kindly ask that somebody please review this without giving me the response the system wasnt down because it was And remove my late from the credit report as I am trying to refinance my house and this is hurting me to do so I am trying to refinance directly with their company yet they still want to charge me a late. This is ridiculous and an unacceptable and I will not give up fighting this because I was not late nor have I ever been late. Please review this to be removed off my credit report and updated as the payment was made first thing the following morning when the system went back up. Please Remove the late off my credit report from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

First Citizens Bank Opened checking and savings accounts on XX/XX/2018 online. Not at a branch office. 
Issue : Regulation D charges to a savings account XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$90.00} XX/XX/XXXX - {$670.00} On XX/XX/XXXX I went and talked with a Service Rep at the First Citizens XXXX NC branch. I told her what had happened and she looked up my account to verify the charges. She then informed me that I was using my savings account improperly and suggested opening a second checking account to do the same thing with it that I was using my savings account for. She said she would look into the charges and see if she could do anything about reversing some of them. She called me on XX/XX/XXXX and said that there was nothing she could do because the account was created online and not at her branch. So she gave me a # XXXX to call online customer service. 
XX/XX/XXXX I called the online customer service and talked with a rep. They said the fees were required by the government and they could not refund them but did say they would give me {$100.00} back as a goodwill gift. 
I never received any calls or emails telling me of the fees they imposed or that I was using the savings account incorrectly. I do not deny that I was transferring multiple transactions out of my savings account. I was doing this to budget my payments from my paycheck which I had direct deposited into my savings account. There was never a large amount in the savings account, I probably never had over {$2000.00}. If I did it was just for a few days after my check was deposited until I moved the money to my checking account or a payment was drafted. I was just trying to budget bill payments from my paycheck for my house, car, student loan, utilities and other monthly payments. I did not realize that I could not use my savings account in this way. I probably did received the fine print regulations for checking and savings accounts and the restrictions on savings accounts may have been listed there. But it was never made a point of concern and I was never notified after any of the fees were debited from my account. 
I would like to see if I can get all of these fees returned. 
I did look up some information on the Regulation D and it states that Regulation D requires a depository institution to comply in one of two ways : either ( 1 ) prevent transactions in excess of the limit or ( 2 ) adopt procedures to monitor excess  transfers on an ex post basis and contact a customer who exceeds the limits more than occasionally. 
I never received any notification from First Citizens letting me know I was violating these Regulation D guidelines.
Product: Mortgage

On all three credit reports dated from XX/XX/XXXX SPS is reporting that I have a conventional mortgage loan. It was updated XX/XX/XXXX that I owe XXXX and I am scheduled to pay {$1700.00} monthly. I have not applied for a loan and I don't want this on my credit report. I have a mortgage that is being serviced by SPS and I am paying {$220.00} each month and it is current. This information is very misleading and wrong.. Please remove this from my credit. I have a balance of {$2.00}, XXXX or less due. I disputed with XXXX  but nothing happened account number XXXX. XXXX file number XXXX, dated XX/XX/XXXX. Thank you
Product: Checking or savings account

I have deposited 2 payroll checks this month. each time a 6 business day hold has been placed on my account with out any notice. due to this my account is over drawn with over draft fees. I checked with my employer the funds have left their account. I would like these funds released as I need to pay my bills and I am acquiring late fees due to TD not being transparent about holds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} FCO ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}
Product: Credit card or prepaid card

Dated : XXXX XXXX XXXX XXXX Attn : Consumer Dispute Dept. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX REF : Good Will Please! I'm Stressed! I Don't know! 

RE : ACCT # XXXX ==> I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear XXXX Management Team / Elan Financial SVC, I was advised to write to you by your customer service department concerning my credit rating with your company that was recently reported late on XX/XX/XXXX for 30 days and XXXX XXXX. I have enjoyed a credit account with you guys for a while now. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been! 

Unfortunately, last month, I was in a financial dilemma due to some unforseen and, may I say, unexpected emergency with some family issues, where I had to change my bank account and told the representatives there at the bank to notify the credit card department of such change due to automatic payment. As a result my payments to you were marked delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid and made sure to fulfill my obligation to ensure that your company suffered no loss. I'm actually in the process of closing on my new house within the next 30 days, and this is REALLY setting me back now. I really need your help on correcting this mistake which honestly I thought it would never happen because I had adviced my Banker to notify you guys with the New Account Info. I was told not to worry, as it was my first time that they would take care of it. Nonetheless, now have have those negative marks on my creidt report. 

I am thankful and appreciative for the positive credit history that I have obtained through your company but now those late marks on my credit reports are causing me tremendous stress : ( I am trying to purchase a better home for my family, but the negative remarks are hurting my efforts. PLEASE PLEASE HELP! 

This is where my " Goodwill Request '' comes in. I desperately need this and I would be extremely appreciative if you would please remove the lates from your records and request that the credit bureaus remove them from my credit reports as well. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction from you guys. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

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

Good afternoon I was reviewing my credit report and I dissolved unauthorized inquiries in which I never applied. Can you assist me with getting these removed today? 
Good afternoon my name is XXXX XXXX. I have evidence that my identity Was compromised at XXXX XXXX XXXX and the account opened at XXXX XXXX XXXXXXXX is not XXXX XXXX XXXX. This matter has Impacted my credit score in the worse way. I need for this Issue to be resolved as soon as possible. Attached are the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors has violated my rights : 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw in the collection that I am not aware of. This collection is fraudulently reporting on my account and it's completely inaccurate. Whatever this is agency is in violation of 15 U.S.C. 1692g. I do not validate this debt. Also, according to 15 USC 1681, my credit report should be 100 % accurate. The XXXX XXXX XXXX XXXX does not have the account number, which is a violation and it is inaccurate.
Product: Vehicle loan or lease

My car was involved in an accident and it was declared " Total Loss '' by the insurance company. The insurance company decided not to pay for my car but I never stopped making my monthly payments on time because I did n't want to damage my credit history. I fixed my car with a lot of effort, it took me 8 months. As a result Bank of America reported my account as a " charge off '' and closed it even though I am still making my payments every month. Please I need your help.
Product: Credit card or prepaid card

Company employee closed my account in retaliation to being asked to provide clarification to charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 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, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.
Product: Credit card

In all my years, I have never had a bank and its affiliates refuse to identify those making a financial claim and the reasons for it. So, Wells Fargos refusal to do such is a matter for the Federal Trade Commission. 
On the surface, it appears Wells Fargo ( and its representatives ) recently created a fake scenario ; they claimed that a person or organization tried to make a charge of {$300.00} against my credit card ( with Wells Fargo ). The bank refused to identify that person or organization who made the claim and when I forced them into a corner to do such, they then claimed they made a total recovery of that amount. Very suspicious behavior that lead to a distrustful relationship. 
Next, Wells Fargo ( or its representatives ) claimed I owed them a balance of {$65.00} ( a couple of months ago ) and refused over-and-over to identify the business or person making that claimed expense on my credit card ( with Wells Fargo ). Instead, they dragged out my requested information for 3 months ( and on-going ) so they could charge a 30 % late penalty fee ( their APR is 16.24 %, not 30 % ; their current bill went from {$65.00} to {$92.00} when late payment penalties are included ). Now, they threaten to increase the late payment penalty fee another {$40.00} if I refuse to accept their fictitious {$92.00} charge. From the get-go, all I have asked for ( repeatedly ) is the identity of the party making the original {$65.00} charge and their response is to provide concerned parties with insignificant, massive amounts of paperwork ( to purposely divert attention from the very basic question I am repeatedly asking ). 
Wells Fargos credit card agreement clearly states while we are investigating your suspected error amount, you do not have to pay that amount.. Yet the bank refuses to abide by that contractual obligation. Evidently, they believe there are no errors even though they can not identify who is making a charge on their credit card ; evidently, Wells Fargo believes dreaming up an unsubstantiated expense is not an error on their part. 
**********I am not asking for loads of paperwork that does not even comes close to addressing my grievance ; I am asking for a name only ( as well as the associated purchase date and reference number ). I would think a simple computer request would provide that information in seconds and not take forever to do so ( by their representatives ). This demonstrates how seriously Wells Fargo takes customer service ; they will waste hours to fight even the simplest of requests or to hide errors. ********** It is apparent that Wells Fargo will continue to drag things out so they can attach additional penalties on the fabricated original {$65.00} expense. I have spent hours writing letters and talking to representatives at the bank ( over the past 3 months ) and instead of answering my question ( as to the business or person who made the {$65.00} claim ), they just pass me onto another rep ; it is obvious Wells Fargo is purposely creating delays so they can continue to levy late fees and avoid admitting that they made an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on Experian as an auto loan and not an installment account. The balance is showing {$3600.00} on XXXX and {$3600.00} on Experian and XXXX. The terms are 51 months on Experian, but monthly on XXXX and XXXX. It was last reported on three different dates, XX/XX/XXXX with XXXX, XX/XX/XXXX with Experian, and XX/XX/XXXX on XXXX. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on XXXX, XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. There is also an inconsistency with the way the comments on the account are placed between XXXX and XXXX. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from one creditor, then why are all three credit bureaus reporting something different? Please delete this account from my XXXX, Experian, and XXXX credit reports for inaccurate and unfair reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a apartment based off of Experian Rent Bureau report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, Experian Rent Bureau reporting this information incorrectly is preventing me from obtaining a safe place to live, Experian is providing this incorrect information to XXXX XXXX XXXX which is preventing me from getting a home.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom it May Concern, I opened a Bank of America credit card account XXXX on XX/XX/XXXX. 
In XX/XX/XXXX, Bank of America sent me the attached letter and description of Amendments to my Credit Card agreement, including an increase to the annual percentage rate. 
Upon reviewing the information, I found that I had the ability to reject the amendment terms by following the instructions provided. 
Subsequently, I called Bank of America to notify them of my rejection of amended terms. I confirmed that my rate of XXXX would be locked in if I discontinued use of the credit card. 
I received the attached letter dated XX/XX/XXXX, confirming acceptance of my rejection. 
Since that time, until XXXX of XXXX only account activity was payments. 
I complied with all the terms and conditions set forth in the correspondence sent by Bank of America and was never late making monthly payments. 
In XX/XX/XXXX, I noticed an increase to my monthly minimum payment due. I contacted Bank of America and was told the higher minimum payment amount was due to an annual percentage rate increase to my account. I mentioned the letter from XXXX, but the Bank of America representative said they have no record of it. 

My remaining balance was paid as follows : {$13000.00} was paid on XX/XX/XXXX Residual interest of {$46.00} was paid on XX/XX/XXXX I recently found the letters from XX/XX/XXXX and called Bank of America. The customer service representative advised me to bring the letters to my local Bank of America branch in XXXX, CT. 
The bank representative used an internal service number and opened service case # XXXX. 
To date, I have not received any communication from Bank of America regarding this matter. 
On XX/XX/XXXX, I again called Bank of America. I was told that account records and statements older than 7 years are archived, however, the representative could not retrieve them. I asked who could retrieve them and was put on hold. The line then disconnected. 
I again called Bank of America on XX/XX/XXXX to get specific detail on the annual percentage rate increase history of my account. This is not a complete list due to ageing of statements, archiving and the BOA representative potentially missing dates as she reviewed my account information. 

XXXX XXXX- XXXX variable XXXX XXXX- XXXX variable XXXX XXXX- XXXX XXXX variable XXXX XXXX- XXXX variable XXXX XXXX- XXXX variable XXXX XXXX- XXXX variable XXXX XXXX- XXXX variable XXXX XXXX-XXXX XXXXariable XXXX XXXX- XXXX variable XXXX XXXX- XXXX variable I ask that you pursue this matter with Bank of America on my behalf. Based on the correspondence, it is my belief that they willfully breached my contract with them and overcharged interest since XXXX. I ask that you request copies of all statements since account inception to review and I respectfully request all overpayment refunded to me with interest. 
I can not help but think other Bank of America customers received this letter as well and took action to reject increase and may have had a similar experience. 
I appreciate your assistance regarding this matter.
Product: Debt collection

XXXX XXXX is who I am disputing. 

They never verified anything nor have they sent me any documents stating how I owed this debt or how I am legally bound by it? 

Here is the information : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX