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

On XX/XX/2022 I went to the Chase Bank branch on XXXX XXXX in XXXX XXXX. I went up to the door at XXXX XXXX XXXX minutes before closing time- which was XXXX XXXX. The gentleman locked the door on me and would not let me in. I told him I had a deposit and he pointed to the ATM to use. Grudgingly, I used the ATM to deposit the first part of my two-tier deposit. I put in XXXX {$100.00} bills equaling {$1000.00} cash. I was not able to put in the check portion of my deposit which was the XXXX part of my transaction. A receipt spit out of the ATM. It said there was a problem with my deposit, and I needed to call an XXXX number. Needless to say, I was pretty upset about this and knocked on the window till the gentleman came back. I said the ATM just stole my {$1000.00} cash deposit. He had me go to the drive-through. The lady at the drive-through called the XXXX number for me on the receipt which I handed to her and she processed the other part of my deposit, the check part. Chase bank put {$1000.00} in my account the next day while this was being investigated. Here I thought all was good but without any notice AT ALL, 30 days later, they remove the XXXX dollars causing me to almost bounce my mortgage check - thank goodness for a friend who loaned me the $ XXXX Chase said they investigated the ATM and there were no overages. This is a lie and is 100 % a load of XXXX. My money ( XXXX XXXX dollars ) was indeed in that ATM and somehow someway they dont feel responsible for it. NOT ONE PERSON has tried to help at all - even after many years in great standing with Chase. I have been fighting with Chase since XX/XX/XXXX and it is now almost XXXX. The branch manager who I went to see in person completely ignores my calls and has not returned any of them over the last few weeks. I reached out to customer service several times and they also have nothing to say that will help me. They just continue to read the same info. I asked them to watch the ATM footage and they tell me thats not their department Are you kidding me? I asked for the footage and they told me I needed to get a lawyer and subpoena the info. Nobody at Chase is willing to help figure this out and rectify the situation. I would like to charge them my hourly rate for all of my time put into this. I would just like to end with this If that Chase banker worker WOULD NOT HAVE CLOSED EARLY - NONE OF THIS WOULD HAVE HAPPENED. There was NO REASON to close early, weather was fine, no holiday, etc! Chase stole {$1000.00} and they do not even want to rectify the situation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverified Accounts Dear Credit Reporting Department, I am writing to formally request the removal of these accounts from my credit report as reported by Equifax, XXXX and XXXX. This request is based on the recent deletion of accounts by XXXX, one of the four major reporting agencies. I recently disputed these accounts listed on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/year>. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers credit file. I am exercising my right to ensure that my credit report remains fair, accurate and free of unverifiable information. Since XXXX has deemed these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 1681s-2 ) Information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX
Product: Debt collection

I had a judgement made against me that I paid to a debt collector XX/XX/XXXX. XX/XX/XXXX I started receiving letters and calls from Midland Credit Management that I owed them the debt that I had paid to the other agency. I did not give them any money but they kept calling, sending letters and had an account added to my credit report until XX/XX/XXXX. Finally, I resolved the issue threatening legal action but a note should be made that they harassed me for years and would never just call and see that the debt was paid. I had to pay exorbitant interest on my car because of the account they made on my report and they refused to remove because they wanted me to pay. 
Thank you
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. XXXX XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of  XXXX   XXXX ,   XXXX   and spoke with a  XXXX  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  ,  XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   at    XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and Equifax which was was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

How it started in XX/XX/XXXX : I disputed some information via XXXX regarding the XXXX UniversityXXXX student loan account and XXXX deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history. 

Today : After multiple attempts and requests to both XXXX  and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED. 

This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by XXXX my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways. 

XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to XXXX the information of my payments and student loan. 

XX/XX/XXXX - XXXX answered " The data servicer XXXX University will need to submit an account reinsertion request to XXXX ''. 

Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.
Product: Debt collection

Received a collection letter for a {$970.00} balance of a XXXX account. I 've never had a XXXX XXXX Account.
Product: Debt collection

The medical account listed below is in complete violations of the NO SUPRISE ACT, Delete the account listed below from y credit report IMMEDIATELY. I have NOT received any notification via mail or email pertaining to this medical debt as required and it magically appeared on my credit report. This is a DIRECT violation of the NO SUPRISE ACT. 

Account name XXXX XXXX XXXX I Account number XXXX Recent balance {$1700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1700.00} past due as of XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX  Type Collection Terms XXXX  Months On record until XX/XX/XXXX Credit limit or original amount {$1700.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Account history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} XX/XX/XXXX : {$1700.00} / No data/ {$0.00} / {$0.00} The original amount of this account was {$1700.00}
Product: Debt collection

Today on XX/XX/year> I contacted XXXX and XXXX about a collection that has been put on my credit report From XXXX XXXX XXXX in .was removed from my credit report on XX/XX/XXXX and put back XXXX  days later XX/XX/XXXX with any proper investigation or verification from this collection agency expected credit XXXX XXXX XXXX just telling XXXX XXXX XXXX XXXX Ive sent XXXX all documentation of with my police report ftc report XXXX identification and proof of bill. Never received a response from contract with my name and signature nothing. They have violated so much FCRA code .. committing fraud on all levels. I will attach my recording of the calls
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, payment of {$140.00} was made through my XXXX XXXX Destiny credit card through my connected bank account and debit card. The correspondence address for Concora Credit, the issuer of the Destiny credit card, is : Concora Credit : XXXX XXXX XXXX, XXXX, OR XXXX You can also contact Concora Credit by calling the toll-free customer service number on your billing statement. The customer service number is XXXX. You can fax documents to Concora Credit at XXXX. To notify Concora. 
All my payments come back from this company as " PROCESSED ". 
What does processed status mean? 
Processed Status means that an Order has been submitted to the Website and payment has been received. All my payments from the company are processed. Money taken out of bank and paid in full. Not payment pending or processing. If my payment is processed my worries not given notice of any delays or time it may take to actually process doesn't state this during my payment and those finds are taken. It so happened that the company rationalizes intakes 2 to 5 days for processing. Stated it not say processing or payment pending. Explaining the definition and legality over years of vague word in Courts big difference in processing to processed. They hit me 3 days later was NSF from the XX/XX/24 and no notice hit NSF aa second time NSF on XX/XX/24 that payment was not processed. Explained the language they interpretation is incorrect by representative and supervisor they acknowledge the word meaning wrote it down, stated will make note of this and told them get rid of the negative impact on my credit report for their error for not informing me that it was not processed after all and charge twice for NSF is not my error. Once the credit card stated processed my obligations to any third party, bank, credit card company is moot. 
What is an example of falsification? 
Falsification is the act of deliberately misrepresenting or lying about something. Here are some examples of falsification : In research Altering data, misrepresenting results, or fabricating sources of information. For example, a researcher might falsify the results of an experiment to make it look like they got the correct results. 
In academia Unauthorizedly altering or creating information, such as documents, images, or data. 

If knew there was no payment, payment pending or payment processing it would in my world of realistic laws and definitions not be happening to customers or consumers. 
What does falsifying documents mean? 
Falsifying documents is the act of intentionally modifying or altering a document to deceive someone. It can also include passing on documents that are known to be false. Falsifying documents is a white-collar crime and can be part of a larger scheme to obtain financial gain.
Product: Checking or savings account

Wells Fargo Operations Complaint Management Executive Office. 
I lost my debit card along with the bank generated PIN mailer ( I tried to change the PIN but was unsuccessful ). Couple days later I logged into my account to see that there are some unauthorized ATM withdrawals made outside the country. I have contacted Wells Fargo and file a claim. After 10 days, I contacted them to know that they are denying my claim. Not happy about having my case denied, I contacted the operations complaint management executive office. They did a review on the claim and determined that the disputed activity was authorized by me or someone I had given permission to, and therefore the claim was closed. The reasons they gave was : Conflicting information regarding the security PIN. 
I have repeated told them that the only PIN that I had was the generated PIN mailer that was lost with my card. Also, I told them that I have attempted to change the PIN but was unsuccessful. They said that I changed the PIN with the automated system which is hard to believe because no bank allow client to change their PIN over the phone. Furthermore, they have not presented any evidence that the PIN used for the withdrawals is different that the generated PIN mailer, since they said that I changed it. ( I still have a photo of the generated PIN ). 
No attempts to use the card after it was closed. 
Again, not showing evidence that the card was not used after I reported lost. When I saw the unauthorized transactions, I turned the card off before even calling the bank. So logically after turning off the card and the bank blocking the it after I called, how would the bank know that the card was not used after I turned it off and they blocked it. I need a transaction history. 
Multiple successful online banking logins during the time of the disputed activity. 
Again, this is something that the bank can retrieve and provide the audit trail of the logins during the disputed activity. During the disputed activity, the only time I logged was when I turned the card off and called the bank to block the card. 
How come a bank can be so irresponsible just because they want to make money on the back of their customers. Wells Fargo is known for unethical practices and until we stop them, they will keep ripping people off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, an XXXX, FL based company has run a hard inquiry on my credit. This inquiry was placed on XX/XX/XXXX. This is an issue because I having been living in XXXX, TX since XX/XX/XXXX as a XXXX student at the XXXX XXXX XXXX XXXX XXXX. I still reside in XXXX, TX, where I am currently employed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXvia my credit monitoring service I discovered XXXX XXXX Account # XXXX had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Per my report number XXXX it does not reflect the previously deleted account so why on earth would you re-insert this account without notifying me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I ordered a shirt from a small online store XXXX. It did not ship for month due it being on backorder which I was fine with. A month later I had forgotten about it however and apparently around that time it was marked as delivered by XXXX " in/at mailbox '' but I never received anything. 

While watching one of their videos about another month after I remembered I ordered the shirt and contacted them to see if they could send a replacement as I never received my order. They stated they could only see that it's marked as deliver and to contact the local post office and/or check in with neighbors to see if they have it. The post office of course just says delivered and since I live in a very urban area of course neighbors aren't possible to get in touch with or they don't really care about it. 

I then proceeded to issue a dispute with my CC and it was only until then they say " we want you to have the best possible purchasing experience, and would be willing to make a one-time exception for you. In order to do this, we ask that you please close the credit card dispute that is currently open. We greatly appreciate your support and we are awaiting your reply. Thank you. '' If they had offered a replacement right away I would have been happy to accept as I still supported them and the work they do, but after this experience even though the quality of their videos is amazing their store experience is lackluster.
Product: Checking or savings account

I check my liittle that I have set up with Gemini. I don't invest a lot because it's crypto currency and I'm exploring but buy little amounts. The account last week was around {$500.00}, and all of a sudden my account has been frozen. 

I tried to call and can only email which I did to ask why. 

There has been no response and this AM I found a phone number and called. I got some recording. I'm sure there won't be a reply. 

Something is wrong. I can't even pull the funds out.
Product: Credit card or prepaid card

Every two weeks from late XXXX through XX/XX/XXXX, my alimony payments in Kansas which they fund to KeyBank have been hacked every two weeks. I have complained to the KeyBank, wrote a letter substantiating. They issued a new card. Today it happened again. So again they cancelled this new card which Ive had for just over a week. Last week, I received a notification from someone from XXXX XXXX XXXX  XXXX. It said it was a Notice of Data Breach. Indicated my personal information had been leaked/hacked from XXXX and XXXX had been breached between XX/XX/XXXX -XXXX  XXXX, XXXX. They didnt detect until XX/XX/XXXX. I believe this is connect. But only my debit card is being affected so far, not my checking accounts. Im very concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried freezing my credit with Experian out of fear of the recent XXXX security breech a couple of months ago. However, Experian was telling me the information I was providing them was incorrect, when it definitely was not. This got me worried that I might have bad information about me out there, so I wanted to see my credit report from Experian. However, they will not let me access it.