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

On XX/XX/19 I visited a bank of America branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX at approximately XXXX. I attempted to make a cash deposit for {$600.00}. The atm malfunctioned and attempted to take my cash. I was able to get {$140.00} back out of the atm the remaining {$460.00} was sucked into the atm. immediately a message appeared stating we can not process your transaction. No receipt provided, it just took my money and said error. 

I immediately called into the disputes dept to file a claim. The representative asked for an ID number for the ATM. I told her as I had no receipt all I can tell her is that it was the atm in the middle lane as this location has 4 ATMs in its drive thru. 

The representative advised she saw the atm that had malfunctioned around the time of my call and stated that was the atm she would make the claim for. I asked her how she could be sure she was filing the claim with the correct atm, she assured me that she had the correct one because the system could see which one had an issue. 

A month later I get a letter stating my transaction was located but no cash was found. I would be debited {$460.00} on XXXX. 

I escalated the issue to the CEO 's department and I was told that because my money was not located they could not credit me. I asked what means were taking to investigate. I wasn't given any details except that a cash count was performed. I asked on which day? they couldn't tell me stating Bank of America proprietary information. 

I was never given a transaction ID to prove that they actually located the transaction. I was never given any description of how they went about looking for my money. 
I told the representative to pull the video tape of me making the deposit. 
She stated she was unable to see what went into the machine. 


The representatives at Bank of America are telling me that my money is gone and theres nothing they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved and had all of my mail forwarded. Additionally, I was on an electronic statement with the company. I knew I had a balance and was waiting for the statement via electronic transmission or US mail. I never received either. I then received an alert from a credit monitoring service that a payment more than 30 days past due was posted on my credit report. I contacted the organization and they acknowledged that they had received the mailed statements back and that the electronic transmission of the bill did not process. They credited the late fee back to my credit card and I paid the bill. When I asked about correcting the credit report the customer service representative stated that it would be done by the end of the month. That was in XXXX, 2021. After XXXX months of waiting for the correction I filed a dispute with the credit reporting agencies. After 15 days they all came back and said that the information was correct. 

After all of this they increased my credit limit by XXXX dollars.
Product: Mortgage

I scheduled my permanent payment for mortgage. every XXXX of every month. XXXX  was paid normally for 5 years, but The lender, XXXX XXXX XXXX, started the practice of intentionally not charging me in due day, and then charge me late fee for not paying in time.
Product: Payday loan, title loan, or personal loan

I am emailing you so you can please have the company take this off my credit report it is still reporting on the XXXX  file, I just had this deleted from the XXXX report XXXX-18 and they found out it was open fraudulently the company is XXXX address mid wst recoverXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX tel # XXXX, this is showing up for amount XXXX which is not my debt, please have them remove as soon as possible, I have call and nothing have been done. I thank you in advanced to get this taken care of.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiry : XXXX XXXX XXXX XXXX/XXXX/2024
Product: Debt collection

Last week I received an email from Experian stating my report has been updated. When I logged in their website I found a Debt Collector XXXX claiming I owe {$300.00} and this amount they stated came from XXXX XXXX XXXX. Immediately I filed a dispute with Experian within its own website. 
I have to said this issue has been resolved last XX/XX/2020 because the fact never I owe any money to XXXX XXXX XXXX. I'm enclosing documents in regards Experian should respond to the inquire because this alleged Debt Collector did the report to them directly without even notify me. Please look CFPB Inquire # XXXX along with the dispute debt collection letters I attach it.
Product: Debt collection

Spring Collection at  XXXX  contacted my mother today asking for myself or my husband, as well as informing her of who they were and that they were collecting debt on our behalf.  <P/> I am currently at work, but then they also called my phone number, so why they called my mom after she told them she was not them and giving her our debt information is not the proper practice. I have relatives with my last name that I wish to not be notified of my financial issues and would like to speak with someone in regards to what I can do. I have not lived in Minnesota for 5 years now and do not know what this debt is regarding, and I do not want to call and give them any of my information, now that they just shared it with a family member of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent Equifax a certified letter disputing a late payment reported in XX/XX/2018 on an account with XXXX XXXX XXXX. The certified letter was delivered on XX/XX/2018 ( delivery confirmation receipt attached ). In that letter I stated this was a formal dispute & requested validation, made pursuant to the Fair Debit Collection Practices Act & the Fair Credit Reporting Act, within 30 days of the receipt of the certified letter. 31 days after the date of delivery ( XX/XX/18 ), I obtained another copy of my credit report to ensure Equifax had added a notice of dispute on the account, which they had NOT. Equifax is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and by not placing the disclosure within the REQUIRED 30-day period. I have sent Equifax a follow up letter stating the companys violation of federal law, by not properly marking the XXXX XXXX XXXX account with a proper notice of dispute within the required timeframe & that they now must remove the item from my credit file. FCRA 623 ( a ) ( 3 ) - Responsibilities of consumer reporting agencies of information [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Mortgage

SPS keeps dancing around the issue and the truth is not being told. 
SPS keeps going back to proof of income for XXXX  job I submitted this many times and each time they wanted something different, I never withdrew always resubmitting per there request. Finally on XXXX XXXX a rep from sps kept me on phone for XXXX mins and talked with underwriting about exactly how they want PT income letter written which was done. On XX/XX/2022 a rep called and said verbatim, SPS WOULD EITHER DO A RATE REDUCTION OR REDUCE BALANCE BUT PROBABLY WOULD DO RATE REDUCTION BECAUSE THEY WERE NOT DOING MANY BALANCE REDUCTIONS A ombudsman called me and claimed they had no record of my phone calls, SO I SENT PROOF OF THE PHONE CALLS with a copy of XXXX call logs showing SPS talked with me for twenty minutes both times I would like copies of what was discussed during these two long phone calls on the dates mentioned SPS is not telling the truth I WAS TOLD I WOULD RECEIVE A RATE REDUCTION
Product: Credit reporting or other personal consumer reports

I tried to get information proving that I missed a payment but never received the proof as there is none because I was never late
Product: Mortgage

XXXX, Fri., XXXX XXXX. C.S.T. 

I am resorting to this format in order to let CFPB know of my ongoing problems with the Ocwen and PHH mortgage companies. It is my understanding that Ocwen is the parent company, and PHH is a subsidiary of Ocwen. I would have used your feedback feature but was unable access it online. 

On XX/XX/2019, I emailed Ocwen that I could no longer afford to make mortgage payments on my cabin in XXXX, Michigan. The Ocwen relationship manager chatted with me by phone and recommended I enter into a deed-in-lieu-of-foreclosure process. His description of how that property surrender would work sounded good to me, and I agreed to doing the DIL. The relationship manager told me to make no more payments and send no more bank statements. In XX/XX/XXXX, I was contacted by an Ocwen rep who told me my cabin would be given an " external evaluation '' ( a walkaround ) in a week or so, after which the DIL process could be completed. However, shortly after, I began receiving mortgage payment requests ( going back to XX/XX/XXXX ) and was told that PHH was my new mortgage company, my mortgage had a new, PHH-assigned number, and a PHH relationship manager had been assigned to my account. I wrote to that man and explained that I had entered into a DIL process with Ocwen, and also asked him if he had any paperwork from Ocwen on that matter. He did not answer back. So, I wrote to PHH 's Escalation Group, which also did not trigger a response. I additionally wrote to the PHH Office of the Ombudsman, and got no response there, either. It certainly appears to me that Ocwen now has no intention of pursuing the DIL process with me, and I have formed a very negative opinion of both Ocwen and PHH. I would greatly appreciate hearing from someone at CFPB about this whole matter. Thanks, folks!
Product: Checking or savings account

I received an email stating that I needed to confirm my account and XXXX XXXX  so that I can receive my new chime debit card. I've never requested to open an account with chime. I called and was asked for my sensitive information to confirm whether or not there was an account in my name. I'm a victim of identity theft chime, I would like to confirm the email address that you sent emails to. I'd like to know if my name is attached to this account because I received an email and I've never asked for services from chime. I spoke with a representative yesterday evening who advised me that my email address was used when the account was open. I asked the representative if my name was attached to the account. And my call was disconnected. Every other representative that I'm speaking with wants to verify sensitive information such as my social security number for an account that I never initiated while I'm a victim of identity theft. I'm still unclear for whether or not I have money deposited in chimes XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts are inaccurate in their reporting, including the amounts and dates.
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquires on my credit report and I would like them remove and deleted due to 18 USC 1028A.

If you violate 18 U.S.C. 1028A, you are guilty of aggravated identity theft and will face a mandatory minimum sentence of two years in prison. 

HARD INQUARIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR UNAUTHORIZED INQUIRY ON XXXX SETTLEMENT OF CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transterred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on these without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , I do not have an `` account '' as defined under 15 U.S.C. 1693 ( 2 ) for review or collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Best regards
Product: Checking or savings account

{$4500.00} in fraudulent transactions on debit card ending in XXXX occurred, which is representative of Regions Banks reputation for allowing fraud to occur then resolving the situation afterwards. Much undue stress on the client with no temporary credit and probably the maximum 10 business days to resolve to the clients satisfaction.
Product: Credit card or prepaid card

I signed up for a Chase Southwest Airlines visa promotion in XX/XX/XXXX. I have contacted Chase on a number of occasions only to be told I " received my promotion ''. The promotion I received is NOT what I signed up for however. I believe a " bait and switch ''. I signed up for a promotion that ran from XX/XX/XXXX through XX/XX/XXXX after Chase relaunched the Southwest credit cards with new benefits, spending categories and welcome offers. The promotion offered XXXX points after spending $ XXXX in the first 3 months, and an additional XXXX points after spending $ XXXX in the first year. I signed up and started spending. I was not focused on the accrual of points until the end of the 12 month period as I had been spending on the card and had used some points flying my daughter home from college. I met all the terms of the promotion, spending over $ XXXX on the card in the first 12 months ( and over $ XXXX in the first 3 months ). In XX/XX/XXXX I noticed I did not have the points. I waited until XX/XX/XXXX to contact Southwest as I thought it could take a month to appear. There was several back and forth phone calls between Southwest and Chase as to who was responsible. Ultimately, Chase awards the points, and Southwest controls them after they are awarded. I have spoken with multiple members of the Chase team who initially claimed the promotion did not exist. Ultimately, they now claim that I " received the promotion I signed up for ''. Logically, why would I sign up for a card that would charge an annual fee only to receive LESS than my card I have had for 20+ years? I would not have. Why would I have signed up for a promotion for $ XXXX miles when XXXX miles were being offered? I would not have. I have contacted Chase through their secure message, phone, a personal banker.
Product: Debt collection

Allied Interstate calls 50+ times per day from multiple numbers and area codes. Calls start as early as XXXX XXXX and as late as XXXX XXXX. The caller ( s ) are from a call center ( XXXX based by accent ) and will call back immediately from a different number if the previous call is not answered.
Product: Checking or savings account

XX/XX/XXXX : My sister passed away Late XXXX : I met with attorney. Advised to keep one account open to receive any checks in sister 's name only. 
I notified US Bank via phone and spoke to XXXX XXXX to inform them of her death. 
XX/XX/XXXX : I went to XXXX branch of US Bank. I was told no beneficiary was listed on the checking account. They told us no further new transactions could come out of account and only pre-existing auto-pays such as her mortgage and utilities would continue. They told us the rest would have to go to probate. the plan was to request a small estate recovery once all checks had been deposited from sale of house. 
XX/XX/XXXX : ( date on letter ) XX/XX/XXXX : ( date of my phone call ) I received a letter stating that my stop payment request had been received. I never made any such request and obviously neither had my sister so I called to confirm they were aware she had passed. They would not discuss any information on the checking account or even discuss the letter but confirmed they were aware she had passed ( they transferred me to XXXX XXXX twice ). They did confirm no new business could come out of account. 
XXXX of XXXX : The house sold. 
XXXX and XX/XX/XXXX : Receiving checks from sale from real estate taxes and unused insurance. 
XXXX XXXX : Received statement from US Bank which showed an unauthorized withdrawal on XX/XX/XXXX of XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. I called US Bank again and once again directed to XXXX XXXX and told would sort these out once probate happened. 
XX/XX/XXXX : I spoke to attorney and started probate proceedings. 
XX/XX/XXXX : I received a statement from US Bank which showed an additional XXXX withdrawn on XX/XX/XXXX. I once again called and this was a repeat of earlier conversation. 
XXXX XXXX : I received statement showing unauthorized withdrawal of XXXX on XX/XX/XXXX. I did not call this time. 
XX/XX/XXXX : Probate hearing for small estate in XXXX XXXX XXXX. 
XX/XX/XXXX : Received paperwork from court. 
XX/XX/XXXX : Had an appointment with branch manager at XXXX XXXX. I presented my paperwork and was told I could only have what was left in the account. I wanted to discuss this further with the attorney. They assured me the account was truly frozen and no further transactions could occur ( even pre- arranged autopays ). I noticed even the XXXX to patreon my sister had coming out of the account stopped at this time. 
XXXX XXXX : I received statement showing another unauthorized withdrawal of XXXX from the account on XX/XX/XXXX. 
XX/XX/XXXX : I received Notice of Insufficient Funds in mail. They had actually given out more than what was in account. 
XX/XX/XXXX : I called and reported all above to OCC. 
XX/XX/XXXX : I filed my complaint. 
XXXX : referred my complaint to you by OCC
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Ive had a cash app account for over a year and always use direct deposit for work and school with this account. 

I started getting unemployment in XXXX and had my checks direct deposited as well. Realizing I didnt want to keep using cash app I opened a credit union and switched my checks over to be deposited into my new account. 3 weeks later cash app locked my account and was asked to upload my ID, letter from unemployment office, social security card and any information pertaining to my unemployment even though Im not using the direct deposit through them anymore. Ive hesitated but upload all my information to them and have been contacting them to no avail. They have no phone number and do not respond. I still have over {$600.00} in my account and am occurring overdraft fees because of them. Please help.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX XXXX  was opened, it seems twice with my information and my checking accounts, and I am now working with the banking accounts I do have access to to recover as much of the money stolen as possible. Have filed an FTC report, have filed police reports. FTC reports are under my name, same as police reports and none of these filings should be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.