23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted XXXX XXXX to pay an old debt, they referred me to Cavalry Portfolio Services, I contacted them from a place of business not my employment. When asked if this was a good contact number I specifically told them it was not and I was using someone's else phone and not to save this number. I spoke to XXXX XXXX XXXX, XXXX XXXX who says her initials are XXXX ( Convergence their outsourcing company ) and XXXX XXXX. When I called them they told me the debt was inactive from XXXX and they couldn't accept payment. XXXX XXXX told me they sold the debt to them. I was then advised by XXXX that she had to give me a new address of XXXX XXXX XXXX XXXX, XXXX, WA XXXX and I advised her that is not what is reporting on my credit report as what is reporting on my report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I'm confused if this is even the same or correct company. 

I feel violated and embarrassed that they call my realtors place of employment for me for a debt that is 10 years old, charged off that I called to pay. No one seem to be able to help or take payment. When I spoke to XXXX she asked me to call her back in one hour then shortly thereafter XXXX XXXX called my realtors office and had no idea I had spoken to her. She put me on the phone with a XXXX but now. How do I know I owe these people no one seems to know anything or be in communication with anyone. The number that called me was XXXX at XXXX on XX/XX/XXXX.
Product: Debt collection

Optimum Outcomes has been reporting a fraudulent collection on my credit reports. I have a fraud alert on my credit reports. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit reports. Optimum Outcomes continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints against Optimum Outcomes with the TX Attorney General, the BBB and the NC Attorney General. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have X 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & NC Attorney General offices.
Product: Debt collection

On XX/XX/XXXX, I found a notification stating that I owe a debt to XXXX XXXX XXXX in the amount of {$1300.00}. The letter was dated XX/XX/XXXX, and it was from Viking Client Services , LLC. I spoke to a lady named XXXX and I gave her the reference number of XXXX. She refused to recognize my call as an official dispute for the debt because I would not give her my name. After continuing to talk over me, she hung up on me stating that it wasn't an official dispute.
Product: Checking or savings account

I opened an business checking account with Bank of America on XX/XX/XXXX with the promotion of {$1000.00} bonus for depositing {$30000.00} within 30 days and keep above {$30000.00} until XXXX day after account opening. The promotion is within my Bank of America personal account online banking offers page. I clicked on the promotion link to open the business checking account and meet the terms and condition for the promotion as of XX/XX/XXXX. The bonus has not been posted as XX/XX/XXXX. I contacted Bank of America XXXX XXXX Customer Service at XXXX on XX/XX/XXXX and was told that the offer was not found on my business checking account.
Product: Checking or savings account

On Monday XX/XX/XXXX, I deposited a check at my local Bank of America branch. Later that day, I received and email from Bank of America saying that a hold was placed on my account, and I was also unable to log in to my online banking account. This check is for a class action lawsuit against a ride share company for owed payments, and the check was issued by my lawyer. After waiting a couple days for the check to clear, I called customer service and they told me that my account was being closed, but they wouldn't give me a reason. I went to the branch where I deposited the check, and all they were able to do was give me the number to the risk department. I called the risk department, but they refused to give me an answer as to why the account was being closed. All they said was the account was going to be fully closed by XX/XX/XXXX or XXXX and that they will mail me a cashier 's check for the balance of my account. I called the third party check issuing company that was working with my lawyer and they said that on their end, the check has been cleared as of Tuesday XX/XX/XXXX. Today XX/XX/XXXX, I called the Bank of America Risk Department to see if the cashier 's check has been mailed out yet. They told me they are still working on closing the account and it won't be until XX/XX/XXXX that they mail the check. They also verified that the check cleared on their end. They also refuse to give me a reason as to why they are closing down the account. They pushed back the date from XX/XX/XXXX to XX/XX/XXXX, and they are holding on to funds that have already been cleared. This has been an absolute horrible experience with Bank of America!
Product: Credit card or prepaid card

I'm an XXXX  This problem has happened more than once. 
I regularly receive offers from Bank of America to use their personal checks. A 4 % fee currently applies, but then no interest is charged for at least a year. I did so in XXXX by depositing a check in the amount of {$2500.00}. My XXXX bill was in the amount of {$5200.00}, and it included the {$2500.00} check I used, meaning the net of {$2700.00} was all I should have had to pay to avoid interest charges. I called BOA and so confirmed on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. On XX/XX/XXXX, I paid ( online via BOA ) {$3000.00}, meaning I had paid more than I needed to pay to avoid any interest charges. Yet, I recently received an interest charge of {$12.00}. I called BOA and complained. I was told the charge would be removed, and it wouldn't happen again. However, as noted above, this has happened in the past. I wish for something to be done about it, and I don't wish to file a class action lawsuit to get something done. I think a lot of businesses do things like this, seeing what they can get away with. Some people are too old or feeble or otherwise unable to do anything about it. Others are too busy to notice. Please do something concrete to stop this abuse.
Product: Checking or savings account

As consumer and natural person, was denied when I applied for checking account by CHASE BANK, on XX/XX/2022. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C XXXX CHASE BANK, are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CHASE BANK,. due to the response I received. CHASE BANK, is in violation of 15 U.S.C Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but account was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of CHASE BANK. I, the " consumer '', '' principal ', " surety '' '' beneficiary '' of the application. The application should've been approved.CHASE BANK also monetized the application. Which is FDIC insured $ XXXX. CHASE BANK is in multiple violations.15 U.S. Code 1602 ( i ) in regards to using my SSN which is a credit card. The application that was filed is also being securitized and proceeds have been made without my knowledge. 15 usc 1601 ( TILA ) Credit 15 usc 1692 ( FDCPA ) -Debt 15 usc 1681 ( FCRA ) -Consumer reporting/reporting/reports. 15 usc 1691 Equal Credit Opportunity Act Aka Discrimination from your creation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I tried to close this account a few months ago but lost my phone and could never sign back in. I tried to close it some time in XXXX but never was able to retrieve my log in. This isn't a credit card or anything of that nature but its affecting my credit as if it was. Considering I couldn't sign in since XXXX is there a possibility to get it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies ( XXXX XXXX and XXXX ) have added a collection to all three credit bureaus and I do not owe the original creditor who is XXXX XXXX. My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof. I requested proof from both collection agencies and this is what I received from both of them. Equifax, XXXX and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit. I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
Product: Money transfer, virtual currency, or money service

In addition to my previous case XXXX that was closed, Id like to open a case with new information as explained below : Robinhood has complicated this dispute case over the past four months by opening new case numbers and repeatedly asking for the same documentation I have already submitted. I can assure you that in regards to our phone conversations, Robinhood has ended the call twice after asking me to wait as your team reviews my account. I can also assure you that I have provided the proper bank statement and identity documentations ( Drivers ID, SSN, Passport, live selfie ) many times and received notification through your secure links that all documents were successfully submitted. I can confidently say that with proof, Robinhood has failed to properly investigate my dispute case. I ask that this dispute case for fraud is to be reopened and handled by an upper level case manager, in person, so that we can have this matter resolved. I am able to drive to your office in DC to work with Robinhood and provide all of the necessary documents that you may need. I understand that Robinhood may follow a strict procedure for dispute cases but the way my case has been handled is unacceptable. I look forward to your response as I hope to settle this matter ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Checking or savings account

Last year as I was starting a new job, I was forced to sign up for automatic deposit. After giving my employer the account number and bank information, I thought I would be able to access my money on the date I was paid. 
Due to an error with the routing number, the funds were not made available to me. However, when calling to check what the issue was, I found that they had already accepted the funds but they just wouldnt make them available for me. So I couldnt ask my employer to send me my check again with the correct account because as far as my employer knows, I was already paid. 
Adding insult to injury, my account had just gone negative and I was charged an overdraft fee. This wouldnt have happened if they had moved the funds appropriately. 
To make matters worse, I was tossed around from department to department while calling chase about it until they closed on that Friday. 
I was not able to get my paycheck until that Tuesday at which point I had been harassed by the bank over the overdraft fee.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681, emphasizes the crucial role of fair and accurate credit reporting in maintaining the integrity of the banking system. It unequivocally states that inaccurate credit reports directly undermine the efficiency of the banking system and erode public confidence, which is vital for its sustained operation. 

Yet, despite these clear mandates, violations of the FCRA persist, causing significant harm. When my privacy is infringed upon through unauthorized inclusion of accounts in my consumer report, it feels like a blatant disregard for my rights. After all, I should have full control over what information is disclosed about me. 

Such violations are not only a breach of trust but also tantamount to identity theft under the law. Sections 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are explicit in requiring written consent for the inclusion of any accounts. The failure to obtain such consent opens the door to civil liability, as outlined in 15 U.S. Code 1681n. 

It's deeply frustrating to think that my privacy and financial well-being are jeopardized by these lapses in compliance. Each instance of noncompliance represents a violation of my rights, for which the law allows for substantial penalties. It's high time that credit reporting agencies are held accountable for their negligent and willful actions, as the consequences extend far beyond mere inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed for chapter XXXX bankruptcy and it was dismissed in XX/XX/XXXX. I have an open mortgage with XXXX XXXX ( VETERANS UNITED ). My mortgage was not included in bankruptcy, interest rates, payments, etc were not affected by the bankruptcy. I opened this mortgage in XX/XX/XXXX of XX/XX/XXXX and only 4 payments show on my credit report as being made. I have made on time, full payments for the past 2 years. The account is now reported closed as of XX/XX/XXXX due to bankruptcy. This account is open and in good standings. This account greatly impacts my credit score and my ability to purchase home in the future. I have tried to resolve this matter with the company with no luck.
Product: Credit reporting or other personal consumer reports

Names 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15U.S.C 1681 section 602 A. States I have the right to privacy. 

15U.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 advance 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.