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

This is in regards to 2 accounts that I have with XXXX XXXX. One  account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried over a year to access my Equifax report online through their website and annual free credit. I received the same error message from their site stating they can not verify my identity. I have submitted copies of my ID, pay stub and utility bills with my current address, name, and other important information. I made several calls to the company to gain access to my credit report online and been informed they can not give me online access but can send me a paper copy of my report. If I need to dispute anything on my report, I need to submit it back to them in paper format. I have disputed several items on my previous report but never received anything on a status of them. I have even heard them never received my request in the mail. I do not understand why I have not or am not able to gain online access to my credit report. No one can explain to me the reason why either. I need online access to my credit report so I can make documentations that the report was submitted with a potential deadline on my request.
Product: Debt collection

The company failed to notify me in writing of this debt. I found out due to it being reported on my credit. I never heard from the company at all and once I found out about it, I paid immediately. This account should have not put on my credit as it was reported to XXXX XXXX. I never applied for a loan or a credit card. This was over draft fees and etc.
Product: Mortgage

I was closing out my loan and I had to close later than schedule because of my wire transfer not coming in on time as of XX/XX/XXXX. So, I was already stressed out. On XX/XX/XXXX, I receive a phone call from XXXX XXXX stating that I never submitted docs for XXXX XXXX. However, I submitted the bank account activity in XX/XX/XXXX. XXXX admitted in her e-mail that she assumed that I was going to use my XXXX account because I had enough funds. But, the thing is I had more funds in my XXXX account. Why would she not assume that the funds would come from XXXX account? So, now, I had to drop everything to close on XX/XX/XXXX. I was faxing documents to XXXX like crazy, even into my lunch break! XXXX didn't even know that I had two accounts with XXXX XXXX. One account was closed. She didn't even know that and was asking for statement on the closed account when there was another account that was opened. I had to tell her that! She just asked for all the documents even the ones that I already submitted in XX/XX/XXXX! When I told her that I already submitted that she responded in her e-mail, " Okay, maybe we don't need that. '' She was asking for documents that I submitted in XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX! It was terrible working with her! 
So, I contacted the cooperate office and XXXX XXXX responded. She said she was going to do an investigation. She e-mailed me saying that she was concluding that I closed on XX/XX/XXXX because my wire transfer did not come in on time. However, I did not make a statement that I closed on XX/XX/XXXX because of XXXX. I was talking about XXXX being unorganized that she caused me more unnecessary stress. Secondly, granted that my wire transfer came in late, however, had I not dropped everything and jump on it to fax everything over to XXXX, I would not have been able to close even on XX/XX/XXXX either. Also, why does my wire transfer coming in late have anything to do with XXXX not being on top of her job and asking for documents that I submitted nine months ago? I believe had XXXX done her investigation properly, she should have known that XXXX only received the docs on XX/XX/XXXX which continued into my lunch break ; and she would have found out that XXXX did not have my XXXX XXXX   information which means, even if my wire transfer happened on XX/XX/XXXX, I still had to go through this process! How does XXXX not being able to provide proper customer service because she was not on top of her job have anything to do with my wire transfer not coming in on time? I would never want to work with Fiance of America Mortgage.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account DUVERA BILLING SERVI which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that DUVERA BILLING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICE ACCOUNTS THAT ARE NOT MINE AND SOME THAT ARE NOT LISTED PROPERLY SEE LETTER ATTACHED
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX, on a trip to XXXX XXXX I tried to use my Chase debit card to withdraw funds from an ATM. I tried to take out {$210.00}, I inserted my card into the ATM, selected the amount I wanted to withdraw, but the ATM machine did not dispense any cash or receipt. I checked my app on my phone immediately and saw that the amount was withdrawn, but then credited back immediately. I assumed that I had tried to take out too much money, so I tried again. This time taking out {$100.00}. Again, the same thing happened, the ATM did not dispense any cash or receipt. The next day I called Chase to confirm my money was secure and to notify them of what had happened. I talked to a representative who had me explain my story about 6-8 times, drilling me about the amounts I tried to take out and kept insisting I tell her the amount I actually received, even though I kept repeating that I got {$0.00} from the ATM. From the very beginning it seemed like she was on the defensive and did not believe what had happened. I explained to her that she could check my history with them, that I traveled a lot and never had I tried to submit a claim of this sort because this never happened to me. She eventually, after a very long call told me she would submit a claim and they would investigate the  matter. My money was refunded on XX/XX/XXXX. On XX/XX/XXXX they reversed the refund. I did not receive any notification that they would be removing these funds from my account, though they claim I did ( thankfully I had additional funds and my account was not in red ). I called and asked to speak to someone who could explain why my claim was denied - they said that they communicated with the bank in XXXX XXXX and they said their ATMs were balanced and the money was retrieved from the ATM. I asked them to please contact them again and explain that the money was not dispensed. I called again today on XX/XX/XXXX to receive an update, because again I am not being notified of any updates on this claim and they said that the bank claimed again that the ATM dispensed the money and they were able to provide a receipt. I asked if they could please ask the bank for the CCTV footage, because the ATM did not dispense any money or a receipt and they said that those could only be subpoenaed so they would not be doing that. The agent told me there was not much more I could do. I've asked twice now what I can do in the future to protect myself from this happening again and no agent can provide a response. I am very frustrated that {$320.00} were stolen without Chase taking any responsibility for their actions or even trying to advocate in my defense as their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon the investigation of these accounts the company XXXX, XXXX, EQUIFAX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i endorsed my paycheck for my daughter ( XXXX ) to deposit in her bank ( BB & T ). She did. Within 30 minutes BBT 's mgr. called XXXX 's to come back and get the check they can't deposit it cause im not on her account. We did. I then cashed it at XXXX XXXX XXXX, {$970.00}. On XX/XX/XXXX the check was returned to XXXX XXXX XXXX cause it was already cashed. BBT accidentally deposited it after giving it back to me/us. on XX/XX/XXXX XXXX XXXX XXXX called me w the bad news so I went there and paid them {$970.00}. I went to bbt they couldn't figure it out right away and said ( blamed ) me for fraud and closed XXXX 's checking account. After we argued 3 - 4 days bbt realized and had me bring the receipts from XXXX XXXX XXXX showing I paid them back. Then at bbt i signed a radification form to open XXXX 's account up w the deposited money in. All is fine until XX/XX/XXXX when bbt closed XXXX  's account. Taking {$970.00} out.Transaction says a Adjustment case - {$970.00} which put her account at - {$270.00}. Saying it was fraud on our part. So w my jobs assistance, their payroll co. ( XXXX ) and XXXX ( my company 's bank ) my check was traced and showed on XXXX bbt deposited it and it cleared through XXXX. bank on XX/XX/XXXX. Bbt denies this and On XXXX started their investigation. I personally handed bbt my/our proof of letters. On XXXX their results claim they don't know where it is or they sent the money back to XXXX. XXXX denies this.
Product: Credit card or prepaid card

I received my XXXX credit card statement from XXXX XXXX. Balance due was {$52.00} and due XX/XX/XXXX. On XX/XX/XXXX I returned an item and it posted to my account for a total credit of {$52.00}. I received my XXXX statement which notified me that I was past due and charged a {$27.00} late fee. I called customer service and was told that I should have still paid the minimum payment due amount on XX/XX/XXXX to avoid late charges and finance fees! I don't know what kind of accounting system they are using, but that is ludicrous. They have reversed the late charge but wanted full payment on my current balance ( which is not due until XX/XX/XXXX ). So I am assuming finance charges are still accruing. I was able to get the fee reversed, so I am happy with that. I've never filed a complaint with you before, but I had to wonder how many other people they are trying to take advantage of. I just assumed that I somehow had missed my payment on accident and was just going to pay the full amount. Thankfully I looked into it, but it concerns me about their credit practices and for that alone I felt this was necessary. Thank you.
Product: Debt collection

During my annual review of my credit report, I notice per XXXX a collection from Credence Resource Management , LLC on behalf of XXXX XXXX  for {$740.00}. I contacted Credence Resource Management at XXXX on XX/XX/XXXX on a recorded line, per my conversation with the initial rep and a person claiming to be a manager, I asked to verify the total amount and when and to where did they send me any communication regarding this account. The came back with an address that is not associated with me, nor could not provide a true history of the account balance. I wanted to resolve this matter as quickly as possible and I asked for a settlement amount as I do not agree with the balance of {$740.00} as I have maintain all invoices during the last year of service and the bill for service was not {$740.00}. They came back with a figure of roughly {$470.00} which is still double the amount. I asked the manager to please see me an invoice or documentation stating the settlement offer in an email which he stated he would do, however, I have not received any other communication. 
Since, I did not receive proper notification from the debt collector regarding the : 1 ) The amount owed 2 ) Name of Creditor and 3 ) Consumer rights I submitted a despite letter to Credence Resource Management , LLC on XX/XX/XXXX to XXXX. I provided a detail timeline of the invoice and the correct amount I owed this company along with a settlement offer and supporting documentation but the company respond on XX/XX/XXXX ( less than one week ) they have confirmed the debt with the creditor. I feel both Credence Resource Management and XXXX XXXX are in violation of state and federal law regarding debt collection. Upon requested of evidence supporting debt, none have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to any of requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXXXXXX
Product: Credit card or prepaid card

I have called and emailed repeatedly asking Chase to honor the terms of the balance liquidation agreement. Each time I speak to them I receive a different answer. They are reporting my account as 30 and 60 days late even tho payments are not over 30 days late. I have repeatedly requested to be sent the terms of this agreement which they have refused to mail and when then attempt to send it in the message center they send a corrupt link that can not be opened. I have been attempting to clarify this for over 90 days with no success.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have observed that some information related to these accounts is outdated or incorrect. I would appreciate your help in ensuring that my report accurately reflects my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I met With a person to purchase a product from them on XXXX around XXXX he acted as if he were getting items out of his car and pulled off I called Cashapp immediately they instantly denied the claim They did not complete an investigation or reach out to the party where the money was sent I told Them I had the cash tag it was sent to snd phone number still no investigation or resolution to help me at all. IIve never sent this much money or to this individual before
Product: Credit reporting or other personal consumer reports

This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report. The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX and Spring oaks capital are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

there are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT REMOVE APPLY FOR THEM PLEASE REmoval them.. I did not apply for those credit cards and called trans union on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.
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 U.S. Code 6802. Nelnet : # Account : XXXX, has violated my rights. 15 U.S. Code 6802. states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In previous communication with Nelnet I was instructed that " Enclosed is a copy EDs privacy notice which states that, for everyday business purposes- such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus, we do share your information and YOU MAY NOT OPT-OUT OF THS SHARING. '' This is clearly a violation of 15 U.S. Code 6802. B, I was not given the option to direct my information not disclosed furthermore I was not given an clear explanation how to exercise my nondisclosure option. I have attached their response and highlighted the violation This negative reporting has caused tremendous hardhship on myself and business. The negative reporting has caused me to be discriminated against due to credit worthiness and had adverse effects quality of Life. I am demanding this account be removed from consumer report immediately. In the event this matter is not resolved I will be forced to escalate this process and file a complaint against Nelnet and their Trustee with the FTC.
Product: Credit card

I have XXXX store credit cards with Synchrony Bank. Due to financial hardship I enrolled in payment plans for all of them. 

The payment amounts and dates due for the payment plan are unclear. Although the website shows the correct amounts for each payment plan, there is no due date listed for the payment plan. 

Instead, the account screens for each card shows information on the original payment date and past due amounts ( before enrollment in the hardship plan ) so I am confused about which amount to pay and when. 

Plus I could swear that when I signed up I requested XXXX of them be enrolled in AutoPay and I have had to pay manually. 

Additionally, I had XXXX other account with Synchrony ( for Amazon ) where I overpaid because the terms were unclear as I said above. I was concerned I was going to miss a payment so accidentally overpaid. 

Additionally, I receive multiple reminder emails per week for each account that a payment is coming due ( again no due date is mentioned ) ... this is incessant and unnecessary.