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

On XX/XX/XXXX XXXX, around XXXX XXXX XXXX  I walked into Chase Bank located in XXXX, address : XXXX XXXX XXXX XXXX, XXXX NY XXXX. 

There are 3 ATM Machines there, I choose the left side one, Term ID. XXXX. ( Picture attached ) The machine screen did not indicate anything wrong, So I inserted my Debit card, entered my PIN, and chose the cash deposit selection. Then I take my cash out purse. For a total of {$5800.00} cash, I put them into the machine, and the machine starts counting with some noise. Then all of sudden, the screen shows some error that says it can not make the transaction and ask me to call the customer service number. Then the machine printed out a receipt for me : indicating all the information for me. ( Please see the attached ). My card last 4 number XXXX, Sequence # XXXX. Date and Time. 

I called customer service immediately, asking them to record my situation, and they told me I need to call the claim department, however, the claim department does not work on Sunday. I need to wait until the next day. 

On XX/XX/XXXX, I call the claim department in the morning at XXXX am, a lady took my call and filed the claim for me. My claim # is XXXX. Due to the amount I deposit, she can not give me a temporary credit. And I also went to the Branch at XXXX am and Speak to the branch manager XXXX about my situation, he made a copy of my receipt and write down my card number, said he will help me to escalate. And will call me back. I did get any callback... So I went to the branch again that afternoon, and speak with XXXX, and this time he called someone and said I will get the temporary credit the next day. Which I did. BUT the credit is only temporary, means nothing to me!!! 
And he also said, they will have the ATM vendor come and open the machine, and find my money. I trusted him, and go home. 

The next day XX/XX/XXXX, I got a call from the branch, a lady name XXXX, told me ATM vendor team did not come. And ask me to wait until tomorrow morning. 

Today XX/XX/XXXX, I got the same call from XXXX from this XXXX, She told me, they did not find my money in the unprocessed BIN??? She says, if the cash did not process, the cash will go to the unprocessed BIN, but there is nothing there. Therefore they need more time for the investigation. I am really getting freaked out!!! What does that mean my money is not there, I got the machine printed the error receipt. I am sure there are cameras there, footage there. The ATM eat my money, if they do the XXXX, there should be {$5800.00} extra cash!!! And in form of XXXX in XXXX bills ( XXXX ) and XXXX in XXXX bills ( XXXX ). There should be a machine log, they should match each transaction!!! the ATM needs to balance out. 

I do not feel safe about your temporary credit, especially getting the call from the Branch that says something about unprocessed BIN, it does not make logic! My cash did not process, that's why the machine printed out the error receipt!!!! 

I need help with my situation!!!! Please please please help!!!
Product: Mortgage

BBVA Compass Bank initiated an unnecessary legal action, by a XXXX manager that resulted in outrageous legal bills that I had NO control over. I should mention that prior to this incedent, I was a BBVA Compass customer for over 10 years without XXXX blemish through XXXX of loans and mortgages. During the litigation process, the bank and its outside counsel conferred frequently and needlessly known full well that under the original loan documents, I, as the borrower, would be responsible for the legal bill. I firmly believe that this legal bill was extremely inflated and I was forced to pay the full amount of {$50000.00} when I paid off the loan. What is disturbing is that the bank refused to provide any documentation or copies of legal bill at closing, stating if the full amount was not paid, immediate foreclosure would be executed. I repeat, I was forced to pay {$50000.00} WITHOUT any copies of legal bill. 
The bank claimed legal bill of {$50000.00}, My legal bill from an attorney I was forced to hire to defend this unnecessary action was less than {$14000.00}.
Product: Credit reporting or other personal consumer reports

When I first heard that something went into collections, the first thing I did was dispute it with Experian, 1st one was denied, and I tried 2 more times to only get same response, after I spent explaining my situation, sent documents, only to have them gave me the same outcome, its like their not acknowledging the documentation, or anything. I spoke to XXXX so many times, to where they do t want to resolve the issue, like i said before the policy was started in early XXXX. There were XXXX claims filed, due to mechanical issues that I thought were covered. I later learned that mechanical breakdowns were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was front end damage and also damage underneath the XXXX XXXX XXXX. The extensive damage was documented and an assessment at a local dealership was performed. The XXXX stated that there were aftermarket parts on the vehicle, which XXXX would not cover. There were never any aftermarket parts added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a BBB complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over XXXX months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. My Car WASNT DRIVABLE, hence why I cancel the insurance, and was going to cancelled my policy in XXXX for no reasoning, so if I would pay the money, if would of been no point, and that I was up to date with my XXXX payments.
Product: Mortgage

Starting in  XXXX    XXXX   I applied for a loan to build a house with regions mortgage in  XXXX  Al  XXXX  and the person I started with was doing a good job with the process of get every thing done in a timely matter. Then she left the company and I got passed on to someone else that was doing a great job with process also and then he left the company and I was passed to a  XXXX   XXXX  who has did nothing since I have spoke with her but lied as if she is working on my loan. So I asked to speak with her manager  XXXX   XXXX  and she did call me back after I called her abo ut three times and left a voice message on my phone. I called her  back and left a message for her to call me back. In the message she said she would me Monday the  XXXX  so I called her again. NO CALL BACK. My credit is good and I have my own money for my down payment. It 's now  XXXX  and still I 'm at phase  XXXX  so all I can say is maybe they do n't want to help me. So please tell me what do u call this issue that I 'm dealing with.
Product: Checking or savings account

I recently went to XXXX XXXX Puerto Rico on buisness and while there my phone was stolen. This was 4 weeks ago. When I returned home I immediately went to my branch bank ( Wells Fargo ) in XXXX, NC. to see if there was anything I needed to do to protect my bank accounts as I had been doing online bank business with my phone ( paying bills, transferring money between accounts ). The banker I meant with wanted me to change my PIN I used to access my accounts at ATMs. I did that. Then a few days later on line I seen unathurthorized transactions being charged against my accounts. I immediately went back to bank and told them about the problem. At that time they had me change my sign on name and password for online banking. This did not stop the transactions so I went back to bank with my wife and meant with a banker a 3rd time bringing with us transaction records I had printed from my on line bank records. The banker then called their fraud reporting people to go over some, not all transactions that I did not authorize. The girl never mentioned closing any accounts. As of now there is still unauthorized transactions occurring on my accounts and the bank has over {$10000.00} dollors of my money tied up that I can't access as they have froze all my cards and denied me access online at the same time charging me over {$1000.00} dollors in overdraft fees, interest on credit accounts and transaction fees for things I have had nothing to do with. The following day I went to get the money out that I could the intentions being to open another account with another bank. While standing in line waiting on a teller the branch manager confronted me saying I should have closed that account. This never given to me as an options in any of my previous meeting. I did not close the account at that time because I had my soc security scheduled to deposit in the next couple days. As of today I haven't been back to bank to see if my soc security has been deposited yet. I intend to do this asap with the intentions of withdrawing that money. Is there anything you guys can do to help me recover my lost funds and get reimbursed for for fees I should not have to pay..Thankyou
Product: Mortgage

I first filed a complaint with the CFPB XX/XX/15 in reference to my Wells Fargo home loan. I had repeatedly applied for a loan modification and or forbearance. I supplied Wells Fargo with endless amounts of documentation in support of my request and I was repeatedly told " I didn't qualify '' for a loan modification. Reasons given included ; 1. I made too much money 2. I made too little money.

3. I hadn't missed any payments and they couldn't work with me until I stopped making payments 4. They didn't have my documents, or my documents weren't correct In the end I lost my house to forcloser in late 2015 as a direct result of Wells Fargo 's unwillingness to work with me as is required. Instead, they intentionally delayed, deferred, and misdirected me with the express intent to cause me to lose my home. The home was sold at auction, and we lost everything. Per the recent settlement over this type of harmful behavior on the part of Wells Fargo I feel my family and I are due consideration for our damages.
Product: Credit reporting or other personal consumer reports

my Information was sold and bought illegally because I was a victim of the Eqifax data breach. I want these Items Deleted from credit Reports Immediately. I am attaching Proof that Equifax has admitted that I was a victim of the data breach and Equifax has done little to nothing. Please Help me delete the illegal accounts as well as different variations of my name and different addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I RECENTLY REVIEWED MY CREDIT REPORT AND FOUND A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. PLEASE DELETE THIS FRAUDULENT REPORT FROM MY CREDIT REPORT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High Balance : {$6900.00} ( XXXX, Equifax ), {$0.00} ( XXXX ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance Owed : {$0.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Paid ( XXXX ), Derogatory ( XXXX, Equifax ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( XXXX ), Settlement accepted on this account, Paid charge off ( Equifax ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$6900.00} ), XXXX ( {$0.00} ), and Equifax ( {$6900.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the XXXX of the Federal Bureau of Investigation, or the XXXX 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.XXXX2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

On XX/XX/2022 - I sent a letter to Veros credit to validate a debt that reported on my credit. I received no response. On XX/XX/2022 I sent a letter to cease collections and credit bureau reporting. They sent a letter back, asking me to give them all the information they I asked them to provide... which is my right under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
If they are reporting an account on my credit bureau they by law need to provide me with the information, I obviously dont know what the account is otherwise I wouldn't be requesting the information that they placed on my credit report. 

I have attached all supporting documentation.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

It is ridiculous that this account is even being reported as late as I have been set up for autopay during my entire payment history with XXXX XXXX. 

I am prepared to file a complaint with the XXXX  as well for both company 's if this situation is not rectified immediately. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to report fraudulent information on my credit report. they are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EXPERIAN. I am writing to reappeal that you block the following false information from my credit report. 
I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX  have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and Transunion. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.
Product: Debt collection

1. I didn't receive proper notification in the mail before this reported on my credit.

2. This false debt has been sold to 3 or 4 other debt collectors, none of them could validate the debt, so they sold it to someone else.

3. When this reported on my credit, I disputed it and requested verification. The company " verified '' the information to the credit bureaus, but their validation to me lacked the proper information to prove this is a legitimate debt, owed by me.

4. The name on the paperwork does NOT match my name or any name I've ever used in the past. It says, " XXXX XXXX '' - My name is XXXX XXXX, not XXXX. 

5. This company is using fraudulent methods to verify the debt, to report this on consumer credit reports and to keep it on the reports.

6. This company sent me a blank sheet of paper as a validation in the past, they did not meet the 30 day requirement to validate the debt, then a few days later, they sent me paperwork with someone else 's name on it.