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

Used BMO ATM on XXXX XXXX in XXXX at XXXX XXXX 
Put in my card and pin for deposit of {$900.00} cash. ATM machine recognized the {$900.00} and the number appeared on the screen. 
Asked me which account I would like to make the deposit to : Checking or Savings. I chose Savings.

Machine said, error to account or somethinng similar and proceeded to spit the cash back out. The gate where I deposited cash is the same that spit it back out, then it closed after only returning {$700.00}. And I went and got the manager, by watching the machine, opening the door and yelling that I could use some assistance. 
The manager came out and we diacussed what happened. He then asked me to make a withdrawl of {$5.00} to see if my {$200.00} would be there when the metal door/gate opened to give me the {$5.00}. 
I proceeded. But this time the gate/drawer/doo where the funds come in and out opened on the right side instead of the left side like before. 
I received my {$5.00} bill amd thought I would try depositing it to see if that would open the other gate where my {$200.00} might be stuck. 
I went through all of the steps until I was to pick a transaction type and the only button that wasn't highlighted was the deposit button. I was not able to deposit the {$5.00}. 
I went into the bank and deposited the {$700.00} via a teller. I asked the manager when I would get my {$200.00} and he clearly said " by midnight or tomorrow morning at the latest ''. I asked for a written statement of what transpired and he refused and gave me his card. BMO is the worst bank! 
I posted my experience on XXXX and many people have come forward with their own terrible experiences. 
They also sent me a letter a month ago stating that they had overcharged me {$70.00} in transaction fees and would be depositing it into my account but they never did. When I called to ask about the missing deposit and the letter, the person the the line said they did not have access to letters I have been sent. And there was no record of this. I am XXXX and out of work so every XXXX counts. I will change banks as soon as possible. This bank is only out for themselves.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX, the other opened on XX/XX/XXXX, personal credit card account opened at XXXX on XX/XX/XXXX, personal credit card account opened at XXXX XXXX  Services on XX/XX/XXXX, and personal credit account for XXXX XXXX XXXX XXXX  XXXX opened XX/XX/XXXX, XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ), a mortgage account opened at XXXX XXXX on XX/XX/XXXX, XXXX separate mortgage accounts opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and the other XX/XX/XXXX, a mortgage account opened at XXXX Mortgage on XX/XX/XXXX, and a mortgage account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had a fraudulent debit charge of {$300.00} show up on my checking account on XX/XX/XXXX. The debit was to a gas station in XXXX Arizona. I live in the XXXX area in California. I have no other debits related to anywhere in Arizona. All my other debits are from where I live and work in California. I contacted Bank of America and they opened up a claim, canceled my debit card and issued a credit. Excellent service so far. On XX/XX/XXXX, I received a letter stating that my claim was denied and my account was recharged the {$300.00} fraudulent data. I tried to contact the bank 's fraud department 3 times to try to speak to a live person as to why the claim was denied. I could not get ahold of anyone. I tried a general customer service number and did get to speak to a live person who sent me to the same fraud department which hangs up on you unless you have a new claim. I'm sick of the run around. This is my first fraud claim I have had in 30 years banking with B of A. I at least would like an explanation as to why they denied it. They do state in the denial letter that they denied the claim because : " We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 days so we may reopen it. '' Just one big problem : the bank never reached out to me about this claim asking for additional information, no phone call, no letter, no nothing. 

I read the above quote as : Sorry, but we are going to sit on your fraud claim and not investigate for 3 months deny it and say it's your fault and charge back your account, Okay?? 

I am very disappointed that Bank of America can't keep my hard earned money safe and when fraud does happen one time in 30 years they decide to XXXX the customer. How many other people have they done this to I wonder?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian that an account ( XXXX ) showing on my credit report is not mine but my wife 's account. The account is not mine and never was and I wanted it removed from my credit report. Experian stated that : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' This simply is not true and is typical of this bank. Please investigate and remove if possible. Thank you dispute report number XXXX
Product: Student loan

I applied for the PSLF waiver as I have worked for the State of Missouri for over 10 years and made lots of unqualified payments. After they spent months reviewing my information ( despite my correct information being entered ), they said I actually had LESS qualifying payments than before. I have called will be on hold for hours and then who answers transfers me to PSLF person to only be on for HOURS more. No one has any answers or help and this is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # 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 card or prepaid card

My original amount was {$640.00} - XX/XX/XXXX, my monthly payments was approximately {$43.00}. I made payment of {$50.00} for the month of XXXX, XXXX, and XX/XX/XXXX, on time. Then in XX/XX/XXXX, I missed the due date and paid 2 days later, and was charged {$29.00} late charge, and that month I paid {$43.00}. I've continued to pay {$50.00} XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, either before or on the due date. But because I was late paying in XX/XX/XXXX, they have charged me {$40.00} each month as being late, therefore, although I've paid {$300.00} since XXXX, my account remains the same, because they take {$40.00} of my payment as being late. I feel this is FRADULENT and they should be made to post my {$300.00} I've paid to my account, plus the {$29.00} late charge for XXXX. This is considered HIGH CLASS STEALING FROM THE CONSUMER. I WANT MY MONEY APPLIED TO MY ACCOUNT.
Product: Credit card

This was a credit card that had no annual fee. A Prosper credit card. I received no email from them telling me that a fee would be attached to the account annually. When I applied for the card there was no annual fee which is the reason why I applied for the card. I've had the card for several years and I have never used the card. I checked my statements monthly and I noticed the {$39.00} fee. I canceled the card before the fee went into effect but the one he was taking by automatic withdrawal from my checking account anyway. I have tried several times through email and phone calls to contact this company and tell them I was charged and the account is closed. I get many promises from them that someone will be calling me back and several times I've been promised the fee would be reversed but I never hear from them I have to keep calling them and getting the same response. The account is closed and it was closed before the feeling into effect.
Product: Debt collection

I never pay any bill to this account because it fraudulent, i alway pay my debit on time my car, my credit card, my car insuranse usually 5 to 10 days early, y never want to pay any fraudulent account i prefer not having credit in my life remember me in my life pay this account
Product: Debt collection

hello, back on XX/XX/XXXX, I ran a credit check on my credit score and realized that a credit agency had placed a collection on my credit for XXXX The following days I called the collection agency, Collection Bureau Hudson Valley , Inc, and inquired on the charge which they stayed it was from a past-due bill from XXXX that was for XXXX  for equipment and XXXX for past due service. I asked the agent to provide me with a bill explaining the charges, to which the agent replied " you would have to call XXXX and request the bill from them ''. I called XXXX and requested the bill which they stated the bill could not be provided to me because it was an old bill and to request from the collection agency because they have a record of it. On XX/XX/XXXX, I went to XXXX and returned the equipment, and requested from them the bill that determined I owed them XXXX. The agent had a difficult time coming to the final calculation but provided me with the XXXX last bill statements that showed a final balance of XXXX as of XX/XX/XXXX. The bill for XX/XX/XXXX, showed XXXX, and the bill for XX/XX/XXXX, showed XXXX. The agent said the equipment was for XXXX which was cleared because I was returning the equipment which brought me back to the XXXX. I asked how did the bill get to XXXX, which she stated she was not sure and believed I got a credit. I left XXXX without a clear understanding of how I still owed XXXX. On XX/XX/XXXX, I received a notification from XXXX XXXX saying my credit went up and that the collection agency had taken out the collection. I called the collection agency for proof of the bill being wiped out, and they stated that it was not wiped out but instead sent back to XXXX. I called XXXX and asked for proof of the bill again, and they stated that I still owe the XXXX which I asked for an explanation of XXXX which I was on phone for about an hour and at the end of the call lady, was not able to explain the XXXX just saying I received a credit for something that she didn't understand the code of. I asked for a bill showing the final XXXX and she said she could not provide me with a bill because the bill is too old. I still have not been able to see a ledger showing that I owe XXXX other than them, XXXX  and Collection Bureau Hudson Valley , Inc, telling me I do.
Product: Debt collection

NATIONAL CREDIT ADJUSTERS , LLC is a debt buyer who previously bought an account from the original creditor. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute false information on my credit reports now for almost a year. The most recent letters I have sent were on XX/XX/2021. To this day over 30 days later I have not received a response yet. XXXX, Transunion, and XXXX  are reporting false and misleading information on my credit. This is in violation of the FDCPA section 807. These false items are preventing my family and I from being able to move forward with our life 's. Not only are they reporting bankruptcies with false information, they are reporting negative accounts that should have been removed due to the bankruptcy. My rights as a consumer are being violated and I am highly upset. It has been over 30 days since my most recent letter the the bureaus and I have not gotten a response. This has been going on for almost a year now. This is completely unacceptable. I demand the following items be deleted from my credit reports. 

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

I called Corelogic Rental solutions to verify if they received my request via fax for a consumer report, which I'am entitled to every 12 months. The gentlemen I talked to told me that me doesn't have my ss # on file and no info on my name and social security number. I think asked if he can see if I have my XXXX XXXX. He told me there isn't, but I have a letter from the company stating my XXXX is in place. I called back and spoke to a woman. She informed me that they did not receive any fax of a request for a consumer report because their fax isnt working. SHe told me to e-mail. I then asked her what e-mail? The fax for consumer report request only states fax and mail ( I did sent a certified mail request that hasn't been picked from from the post office ). SHe then hung up on me.
Product: Debt collection

I have been contacted by Gulf Coast Collection Bureau , Inc. of XXXX, FL about XXXX alleged medical debts I 'owe '. 

I have requested verification and all I received was the same 'bill ' they keep on sending me ( both before & after verification request ). They have not and can not verify the debt as I DO NOT OWE it. 

I have not been to the company they are saying I owe. I need help getting this collection company off my back and to delete all the collections they have placed on all XXXX national credit bureaus. They are illegally hurting my credit and it must stop.
Product: Debt collection

on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i would like them to remove from my credit report i cant get any type of credit or anything and uit has been yrs.it was last reported XX/XX/XXXX and they have it on my credit report is XX/XX/XXXX. i called them 2 times and they are very nasty with me so i won't deal with that company so i asking u for help im tired of fighting with this company because they are nasty and i even went to XXXX  and got no where with them please see what can be done i would like it closed and removed it is not an open account southwest systems just want money and they never in years contacted me ever
Product: Credit reporting or other personal consumer reports

I opened a Bank of America credit card in fall XXXX and had not used it for over 12 months. The annual fee was added to my account in XX/XX/XXXX, and I was enrolled in paperless billing. However, I never received an email notification about the charge. The first time I was made aware of the balance was in XXXXby mailafter it had already been reported as delinquent to all three major credit bureaus. This single {$59.00} charge dropped my credit score from approximately XXXX to XXXX. 

I have attempted to request a goodwill removal of the late payment from my credit history, but navigating XXXX XXXXXXXX XXXX customer service has been nearly impossible. This raises concerns about how many others may be affected by similar practicesbeing penalized without notice and without an accessible path to resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX Open date XXXX XXXX Equifax-XXXX Date last payment XXXX XXXX EquifaxXXXX XXXX 120 days late XXXX  XX/XX/XXXX 150 days late Equifax- XX/XX/XXXX 120 days late XXXX XXXX late XXXX 180 EquifaxXXXX XXXX XXXX - XXXX - Equifax-XXXX OK XXXX- XXXX XXXX Equifax-XXXX OK XXXX XXXX Equifax-XXXX  OK Since XX/XX/XXXX to XX/XX/XXXX I have sent multiple letters. With no response back. 
Attempted to dispute online but was unable to upload any documents. 
Attempted to get thru on phone after being on hold for hours. 
As a XXXX work XXXX hour shifts throughout the pandemic XXXX XXXX XXXX then coming home to care for XXXX children. This has been emotional draining. 
These derogatory errors on my credit report are preventing me and my family from building our dream home.
Product: Payday loan, title loan, or personal loan

with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obiligated too ), you all are gon na get investigated by the government, XXXX XXXX XXXX and the attorney general. You all aren't the only creditors im coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX
Product: Vehicle loan or lease

This loan was paid in full as of XX/XX/XXXX following a total loss insurance payment. During the insurance process was advised by credit acceptance that account referred to insurance department and account would be on hold. Credit acceptance received this payment prior to XX/XX/XXXX and yet proceeded to report the account as delinquent and open. The current reported balance, status, and payment history have all been inaccurately reported. We brought this to their attention and were advised to file a dispute with the reporting bureaus which has been done. These reporting actions directly violate the FCRA and show a willful and malicious reporting behavior.
Product: Credit reporting or other personal consumer reports

I attempted to send a certified letter to credit bureau and was advised that my dispute for remove was denied due to verification company that was used without my consent to send or receive any information or list to my credit profile. I requested item to be deleted and credit bureau declined my request. 

This is a violation to consumer reporting and I have been greatly placed at a disadvantage due to based on incorrect facts placed to my credit report.
Product: Debt collection

This collection agency is attempting to collect a fraudulent debt. XXXX XXXX has sold this company a fraudulent debt with no proof substantiating the debt except a bill. No signed agreement, no previous account statements, no previous payments, no nothing substantiating the debt owed. Even more egregiously, the company keeps fraudulently claiming to have verified this debt when the credit reporting agencies investigate my credit reporting disputes but neither the collection agency nor the credit reporting agencies will provide me with the methods and/or evidence relied upon in investigating my disputes and substantiating the debt.
Product: Debt collection

This phone number has called several other times on different dates, XXXX. Today, XXXX/XXXX/XXXX, received the call again at XXXX am. Called ID reads " 84 Lumber XXXX '' I answer the call, person on other end asks if they could speak to a particular household member, I stated that was me. Person on calling end stated they were a debt collection service and gave the whole spiel about collecting a debt. I did not understand the name of the company that the calling female stated she was from. She tried pronouncing the name of the company again but in a way that was faced paced and still not understandable. I then asked female why does my caller ID read that she was calling from 84 Lumber XXXX She stated that " this number was given to us after they were no longer using it. '' At that point I disconnected the call. I am submitting my complaint today because if a legitimate collection agency is calling to collect a debt then, regardless of when they acquired a phone number, anyone 's called ID should read what company the call is coming from. When this call came in from this number before on other days, I did not answer the call because I knew that I did n't have any dealings with 84 Lumber and the caller did not ever leave a message.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  : XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> : XXXX XXXX XXXX : XX/XX/year> : XXXX XXXX XXXX XXXX  : XX/XX/year> : XXXX : XX/XX/year> : XXXX XXXX XXXX XXXX : XX/XX/year> : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.