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

On Saturday, XX/XX/XXXX, at approximately XXXX, we tried to deposit {$2000.00} into our joint account through ATM number XXXX, however the ATM swallowed all the bills and after an error message it accused the deposit of only {$300.00}. 
We called the number listed on the ATM machine ( XXXX ) and opened a claim number XXXX. 
The first call was at XXXX and after XXXX minutes the agent disconnected the call without a solution. 
The first agent acknowledged the error in the ATM machine and called a technician to fix the machine, however he advised us to not wait for the technician since it could take XXXX hours for the fix. 
We had to leave the ATM and drive to our destination, so we placed the second call at XXXX where to agent told us that a resolution would take place in the next XXXX. 
With no communication from the bank whatsoever, we called again on XX/XX/XXXX and after XXXX minutes we were told that a resolution could take 10 days. 
Since we have bills to pay with that cash and we can't wait that long for the release of our money ( and also every time we called a different information was given ), we called again on XX/XX/XXXX at XXXX for an update. 
The agent advised that we were eligible for a temporary credit for the missing {$1700.00}, however upon reading the notes for claim XXXX, a memo was added that their back-office rejected the request for the temporary credit. 
We requested to have that rejection escalated as Bank of America is holding our money without a proper reason. 
The agent advised that we needed to call back again to find out the response to her escalation in the next XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax reported that my credit score dropped XXXX points. The four changes that occurred were ( 1 ) My XXXX XXXX Credit Card balance increased by {$6600.00} ( 2 ) XXXXXXXX DBA XXXX XXXX account closed ( 3 ) XXXX DBA XXXX XXXX balance decreased by {$100000.00} ( 4 ) XXXX XXXX Credit Card number changed because of expected fraud. What I am questioning is yes my Credit Card Balance increased by {$6600.00} but my balance at XXXX DBA XXXX XXXX decreased by {$100000.00}. It looks to me like that would well over ride the {$6600.00} and make my score go up and not down. On XXXX the decrease of {$100000.00} did make my score go up so why did Equifax lower my score by XXXX points.
Product: Credit reporting or other personal consumer reports

I am disputing, yet another violation of my consumer rights. Under 15 US Code 1629c ( c ), it clearly states if a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector MUST CEASE ALL COMMUNICATIONS. I have been receiving constant phone calls, text messages and emails and at will to sue! 

I do NOT have a contract with these collection companies and have no knowledge of them. Therefore, you must DELETE from my credit report immediately. 

XXXX ) NCB Management Service Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

USAA SAVING BANK IS REFUSING TO RETURN TO ME THE INTEREST THAT WAS EARNED. 

THE CD IS TIED TO MY CREDIT CARD ACCOUNT TO SECURE A CREDIT CARD. 

THE {$1000.00} IS USED TO SECURE A {$1000.00} CREDIT CARD LIMIT. 
UNDER THE SECURED CREDIT CARD ENDING # XXXX. 

I RECEIVED NOTICE ON XX/XX/XXXX, THAT MY CD MATURES ON THE DATE XX/XX/XXXX AND THE NEW MATURITY DATE TO BE ON XX/XX/XXXX. 

ON XX/XX/XXXX I SUBMITTED A LETTER TO USAA SAVING BANK TO DEPOSIT MY EARNED INTEREST TO MY CHECKING ACCOUNT AND ALL FUTURE INTEREST TO BE DEPOSITED THE SAME WAY. 

ON XX/XX/XXXX USAA SAVING BANK ROLLED OVER THE CD BUT REFUSED AND ILLEGALLY DEPOSITED THE INTEREST EARNED TO THE CD ROLLOVER. 

THE ONLY GUARANTEE IS THAT I AM REQUIRED IS TO HOLD A CD IN THE AMOUNT OF {$1000.00} TO SECURE THE CREDIT LIMIT OF {$1000.00} FOR WHICH I MET. 

THE ILLEGAL ACTION BY USAA SAVING BANK WAS TO HOLD THE INTEREST EARNED. 


I DEMAND THE RETURN OF MY INTEREST EARNED ON MY CD AS REQUIRED TO MY CHECKING ACCOUNT. 

MY SECURED CD BALANCE IS {$1000.00}. 

MY SECURED CREDIT LIMIT IS {$1000.00}
Product: Debt collection

Convergent Outsourcing INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Wa XXXX Has been sending me collection notices. The collection has been reported as ast due balance. I dont not know this company. This company does not have a contact with my signature. This debt is a 2018 debt i was incarcerated at this time ive tried to resolve this error with convergent outsourcing inc multiple times.
Product: Mortgage

We to local Wells Fargo Bank in XXXX to refinance our home. We completed the paperwork and the mortgage manager looked at it and made us pay. {$500.00} to start process. He said it look great and they would call us back if we need to come back to do more paperwork! 5 days later a Denial Letter came in. They said they were sorry and they were keeping our {$500.00}. Dollars. No explanation. That day the had 10 others apply for a refince mortage and everyone was denied. I found out years later that the local Wells Fargo has been scamming Military Families for years. We look back and really felt that we were spam also as a military family!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a bankruptcy reporting on my credit file that shouldnt be there. XXXX, XXXX and Equifax has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to get the XXXX credit bureaus to accurately report my accounts. I explained that XXXX creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all XXXX credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. I also included an FTC in my previous dispute, and I am going to do the same in this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past spring, while applying for a refinance for my home, my credit score dropped causing our lender to require Private Mortgage Insurance.

Now I read that during that time Equifax sent the wrong scores to lenders.

I want Equifax to correct their error and either reimburse me for the additional costs or convince my lender to drop the PMI and refund the extra fees.
Product: Credit card

I request your assistance in investigating accounts reported by companies that have inaccurately listed late payments. After checking my credit report, I found certain accounts showing late payment remarks, which should not be there. These accounts should reflect no late payments.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX  XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX  : XXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Experian " Report '' number : XXXX, I disagree with Experian 's handling of my request and do not believe that Experian is abiding by California and Federal law.
Specifically, Experian is wrongly requesting, " one copy of a utility bill, bank or insurance statement, etc '', however, this is not a requirement on California law. Furthermore, I do not have a bank account, utility bill, or insurance statement because I have been effectively locked out of the financial system based off false information on my credit report.
In response to Experian 's request for a government issued identification card, attached is a picture of my passport. However, this was previously provided to Experian so I am uncertain why Experian is requesting this document again. It is not very consumer friendly.
In relation to the requests for identification information, please see the below : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA. ( If there are other addresses on my file, these should be removed, my address for the past 6 years has been XXXX XXXX XXXX, XXXX XXXX, California XXXX, USA ).
Furthermore, Experian should actually investigate my dispute, because despite the statements provided by Experian, I have given adequate information to request Experian verify the validity of the debt. Specifically, I previously stated that a record being reported by " XXXX XXXX XXXX '' for an amount of " {$360.00} '' is unrecognized and likely not valid because attempts to contact the reporting company " XXXX XXXX XXXX '' has resulted in no response. Indeed, " XXXX XXXX XXXX '' has refused to respond to any of my dispute letters or concerns and for months refused to provide any valid verification of debt.
Therefore, because XXXX XXXX XXXX can not provide a valid verification of debt, Experian should remove this information or conduct its own investigation into the record. Failure to do so would be a violation of State and Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately form 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with this collection agency on XX/XX/XXXX. I made them aware that I was not familiar with this account and I needed something to validate the amount owed and the other account information. They sent me an email that only listed their name and the amount owed. The lady on the phone said they were not able provide any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with XXXX and Equifax for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, XXXX had everything fixed in a week but XXXX  isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent XXXX a delete letter and they still didnt budge. 

Soc XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX and Equifax have failed to uphold the FCRA requires that charge-offs and related collection entries drop off credit reports seven years from the date of the first missed payment that led to the charge-off of my original lender. However, these entries continue to appear on my credit report, negatively impacting my financial standing. 

I have previously contacted XXXX and Equifax credit reporting agencies to investigate my original creditor, XXXX XXXX XXXX  for the XXXX in an effort to " drop off '' the old account. Unfortunately, they have concluded to keeping the collections on my report, citing the collections activity information is accurate, which is not the point. I believe this continued reporting is a violation of my rights under the FCRA. 

Moreover, XXXX did respond appropriately to the same dispute, and immediately removed and updated my credit report, on the same day of my dispute.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX, I spoke with XXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by XXXX XXXX to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. XXXX XXXX is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like XXXX XXXX to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to XXXX XXXX to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a XXXX XXXX XXXX. After that, I became irate. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.
Product: Debt collection

On Monday XX/XX/year> I received a call from XXXXXXXX XXXX XXXX is what the lady said on the voicemail. The number that came up on caller ID is ( XXXX ) XXXX. I called the number back to see what this is about and a woman named XXXX is working on collecting a debt for a payday loan. I told her my lawyer 's name and not to call this number again. I have filed for XXXX XXXX bankruptcy and have been officially discharged as of Friday XX/XX/year>. Debtors are now barred from reaching out to me whatsoever. She said she will take me out of the system but I have also received a call from a XXXX number that according to robocall killer is another number they have.
Product: Debt collection

Diversified Collections just reported that I have a balance owed to  XXXX   XXXX  on my credit report. On top of not having a balance owed to  XXXX   XXXX , Diversified never gave me a notice of my right to contest the debt, prior to it appearing on my credit report. It just showed up  one  day.
Product: Credit reporting or other personal consumer reports

This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Company sold ( XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX XXXX XXXX XXXX XXXX XXXX from my Coinbase Inc account to fraudulent investment firm ( s ).
Product: Debt collection

This company reached out to me and I informed them this credit card was apart of my chapter XXXX. The rep I spoke to notes that on the account. They still proceeded to add it as a collections on my credit. This is a violation and the company should be fined. I just received a letter from the company the day after it was added to my credit file.
Product: Credit reporting or other personal consumer reports

I got an alert from experian on Monday XX/XX/XXXX that I have an over due payment of {$40.00} and balance of {$310.00} on a XXXX account. Please note that I do not have a XXXX account and never had one. It shows that the account was opened XX/XX/XXXX account name is XXXX, account number starts with XXXX, account type is credit card and monthly payment is {$51.00}. Due to the afore-mentioned fraud account my credit score went down by XXXX pts. I reported a fraud dispute with experian and is now reporting it to FTC.
Product: Debt collection

In XX/XX/2019 I recieved a phone call from the above mentioned business. I answered and asked them not to call me again. In XX/XX/XXXX or XX/XX/2019 I recieved another call, which is in direct violation of the FDCPA but in good faith to make payments on the account I set up a payment arrangement for the XX/XX/XXXX of the month for XXXX via my debit card. In XX/XX/2019 I advised i would not be able to make the payment due to a job change and that my new pay period lands on the XX/XX/XXXX and my payment arrangement would need to be adjusted. A XXXX payment was drafted from my account successfully on XXXX. On XXXX a XXXX payment was drafted from my debit account that I did not authorize. I called the company and spoke to a XXXX who told me the charge could not be reversed and would need permission from the client. Thus, over drafting my debit account. My bank has assessed and applied a XXXX overdraft fee for a transaction I did not authorize. XXXX told me it's noted in their system that I did call and change the date to the XX/XX/XXXX, it was just never done. She then proceeded to tell me if I didnt want to pay it that they can reccommed to have this sent to the credit bureaus thus, affected my credit and intimidating me to pay a debt that i've never recieved a verification of debt for. When I called on XX/XX/XXXX I spoke to an XXXX, I asked for a supervisor and was told no. The above mentioned company is engaged in unfair and abusive tactics and I request that they be investigated.
Product: Credit reporting or other personal consumer reports

In XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Risk Solutions - XXXX XXXX XXXX XXXX, GA XXXX - XXXX sent my insurance company a claim that I was suppose to be at fault for the wreck that happened to me. My car was actually the vehicle NOT in question, but the other car involved was. It was a policeman that was at fault when my boyfriend struck him he just ran a red light and my car hit his police cruiser because it was unavoidable. 
Please check with this company and see why they put me as the driver at fault because it has caused my insurance policy to double in price. 
I am just a single recently divorced lfemale with no money to spare so when something like this happens it sticks out like a sore thumb. Let me knpw asap so I can maybe take care of it before my new premium is due, Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.