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

At approx XXXX on XXXX I made an all cash deposit of {$1200.00} into ATM # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The atm took all of the cash, chugged along for several minutes and then instead of displaying the amount of cash I had deposited it was as if the machine had reset, the screen cleared and was asking me if I wanted to make a transaction. It was as if I had just driven up to the machine the first time. The machine handed me back my ATM card and kept my money and then did not deposit it into my checking account XXXX. I filed a claim with the people at BofA ( XXXX # XXXX Arizona ) although they refused to give me a claim number at the time of the call. I asked them what about the items that this deposit was made to cover, they told me they would investigate and issue a credit on my account within XXXX days ... XXXX days!! That means that everything this deposit was to cover will be returned which includes my Mortgage, XXXX credit cards, XXXX utility payments, XXXX paypal payments and XXXX payment to the IRS. I asked them what they would be providing me to give to these people to prove this was not my error, they point blank said they would give me nothing. They went on to tell me that it could take up to 45 days to give me my money back even though this was deposited into a BofA ATM machine located at the branch. I make my cash deposits at this branch every night like clockwork. This is the second time in XXXX years this very same ATM has taken my deposit, at least last time however it printed up a receipt that showed that an error took place. In this case I got nothing but a blank screen for several seconds and it was if the machine had rebooted itself. The robots on the other end of the phone showed XXXX empathy for the financial nightmare their machine has caused me, it was if they could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax Data Breach/ Identity Theft all is being investigated by the FTC XXXX According to FCRA 605B this information must be blocked immediately until the investigation over
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to TransUnion and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called TransUnion and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives.

I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

I resolved a debt with my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. I attempted to contact XXXX XXXX XXXX directly regarding the issue but the call was disconnected and I did not hear back from them. 

I began to receive calls from AFNI. On XX/XX/XXXX, I spoke with a representative and informed him that I had a letter from XXXX advising that the debt was paid. The collections agent told me that XXXX must not have told XXXX XXXX XXXX that the debt was not paid and it was transferred to AFNI, and that they had another situation like that with XXXX  just before contacting me. They provided me with an email address to email me the letter to and that they would send it to XXXX XXXX XXXX and clear the debt. The email address is XXXX On XX/XX/XXXX - XXXX from AFNI called me to collect the debt, and I explained to him that I sent the letter. He apologized and asked for me to resend it. I did so, and did not hear back. 

On XXXX- I received a call from AFNI again and the gentleman was very aggressive and abrasive. He told me that I owed the debt, and I attempted to explain that the debt was paid. He told me that the debt was not paid and that I owe the money. I told him that I sent two emails per AFNI 's instructions and he told me that I did not. I am providing proof of the emails attached.
Product: Checking or savings account

After trying for over a month to resolve this matter, I am writing to you to ask for help. Wells Fargo bank is holding my funds hostage. My daughter recently moved to XXXX to work on her XXXX XXXX degree. We opened a joint account so I could access the funds if she needed anything. She set up online banking so she could transfer between her Wells Fargo account and her bank in XXXX. On XX/XX/2018, Wells Fargo put two trial deposits into the XXXX bank account to verify the account. On XX/XX/2018, using Wells Fargo online banking, I initiated a {$3000.00} transfer from the XXXX bank account to Wells Fargo. The money was debited from the XXXX  bank account on XX/XX/2018 ; but has never been credited to the Wells Fargo bank. For the past month, my daughter and I have on many occasions either visited a branch or called a branch to find out the status of the money. I have been told that since a claim was made by my daughter, that they could not speak with me concerning the case. On XX/XX/2018, I visited a local branch of Wells Fargo to once again try and locate the missing money. After spending over an hour and speaking with three different people via the phone, all I know is that they suspected the transaction was fraudulent and returned the money at XXXX. They still can not say where the money is or when I should be receiving the credit for the deposit. They did tell me to check with the XXXX bank which I have but was told, " since the transaction started on Well Fargo 's website, they would have to resolve this issue. ''
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$7100.00}. Bank of America placed a hold on these funds. Aware of this, I proceeded to make payments of {$2500.00} to my XXXX XXXX card and approximately {$1500.00} to my XXXX XXXX card. Despite having been a long-standing customer, I later discovered that Bank of America froze these funds until XX/XX/XXXX without explanation. The core issue is not that the funds were returned, but rather that over {$4000.00} is now unaccounted for, as the funds are missing from both accounts. This appears to be a result of Bank of America 's failure to properly manage my money.
Product: Mortgage

Thank you for taking the time to review my inquiry. I am an Ocwen customer who suffered damages as a result of XXXX XXXX. My insurance co had mailed me a XXXX party check for repairs of my home. I sent the check to Ocwen, they endorsed it and mailed it back to me. I endorsed the check and deposited it in my personal bank account. I used the funds to pay my contractors as I was supposed to do. In XXXX of 2014 I attempted to make my regular monthly mortgage pymt and was not allowed to as I had been charged XXXX in " fees '' on top of my payment and was not able to make a partial pymt, The " fees '' they are referring to is the XXXX in insurance money that was never due to them, nor will it ever be due to them. I have complained multiple times and have reached out to Ocwen customer service and their research dept but have gotten nowhere. In an effort to save my home I applied for a modification which was recently approved however they still have not removed the XXXX in " fees '' and as such my payment has gone up considerably. While I am grateful for the modification offer, I can not accept it until the " fees '' are removed. I have contacted the XXXX for assistance with dealing with Ocwen as they do not operate in the XXXX and I was given this agency 's information for assistance. 

I thank you for your time and attention to this matter and look forward to working with you to resolve my mortgage issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reviewed my credit with XXXX and they have my fico score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX, Texas Federal Judge on XXXX XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, Equifax and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Michigan.XXXX pulled on XXXX/XXXX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled twice in XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XXXX/XXXX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XXXX/XXXX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XXXX/XXXX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX . XXXX.pulled on XXXX/XXXX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XXXX/XXXX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX.pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, XXXX and Equifax. <P/> Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on XXXX, XXXX and Equifax.This is Fraud.address
Product: Debt collection

I noticed a reported collection of {$800.00} from XXXX  Account XXXX XXXX on XXXX XXXX, 2025, related to unreturned equipment for XXXX XXXX. However, I returned the equipment on XXXX XXXX, 2024, including the listed serial numbers and a reference number, which I have attached for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a loan that was paid off with XXXX XXXX as a foreclosure. I have disputed the remark in my credit report 3 times both with Transunion and with the lender and they continue to fault each other for the mistake. In the three occasions, Transunion has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.
Product: Debt collection

I was in contact with the company. They offered a payment plan ( via their app ). Make three ( 3 ) payments of a certain amount, and the debt would be considered paid. I accepted that plan & made the first payment. I made the second payment on time as well. When it came time to make the third payment. They tell me that there was no payment arrangement and that I have to make an additional payment. 

Also, the account was closed ( at or around {$1000.00} ), the amount owed continued to increase aftwards. It is now at {$1400.00}
Product: Checking or savings account

i was offered a sign up bonus to open a checking and savings account and fund the account. My funds were all kept in savings for a short duration and the bank closed the checking account without warning or permission, invalidating the bonus promised since the account is no longer active before the period was over. I am told i can not reopen that account again and must open a new one but the bonus is no longer available. I feel this is a bait and switch by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or period thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX US DEPT ED # XXXX DEPTEDXXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX
Product: Checking or savings account

So I have a Chase secure banking account, and my account is currently reporting a negative {$620.00} balance, which is impossible because the account is set up so that I can never go negative. I have already tried calling Chase to get this situated, but they are not able to get it situated.They are telling me that an XXXX XXXX payment of {$630.00} has been processed on my account, but that is not possible because the transaction was declined.
Product: Credit card

VICTIM OF IDENTITY THEFT. ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  {$980.00}
Product: Bank account or service

Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time.
Product: Checking or savings account

All necessary information is included in my previous reports of PNC Bank. They have now blocked me from calling them, emailing them, and on all social media. All I want is MY MONEY BACK. They are avoiding dealing with any of this and continue to tell you, and the XXXX that they are " working on it. '' They are not working on anything, anytime I actually was able to talk to them, they just kept telling me they won't change their decision. They have never investigated the situation and have never tried to give me the money back that is mine. There is no way they are working on anything, they have not talked to me or tried to call me since XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor agreed to delete item off credit report and failed to do so.
Product: Debt collection

{$4000.00} is the amount.My information was sold to this company without my knowledge and they are damaging my consumer report file.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CBCINNOVIS credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CBCINNOVIS XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/year>, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Product: Checking or savings account

Someone call Citibank to get a new card in my name that went to another address my phone number was also changed Debitcard was send to a new address and a new phone number XXXX XXXX XXXX. 
On XX/XX/XXXX someone took money at XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX  XXXX, XXXX, XXXX. 
On XX/XX/XXXX XXXX from my saving from Branch XXXX XXXX XXXX XXXX XXXX my XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX at the same place XX/XX/XXXX XXXX  at the same place XX/XX/XXXX XXXX  at the same place A card was issue on XX/XX/XXXX delivered on XX/XX/XXXX my Phone, email address and home address via phone to customer service and I was charged a XXXX fee for them to send out my card to that address the bank never notified me until my money was gone the bank never alert me about the problem and another XXXX was taking from my savings due to Citibank negligence a lot over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE THE LAST FOUR OF MY SSN IS XXXX. I WAS UNABLE TO LEAVE THIS IN THE SPACE PROVIDED LATER IN THIS FORM ( ON THE FOLLOWING PAGE : PROBABLY DUE TO A COMPUTER GLITCH. PLEASE INCLUDE THIS IN MY REPORT TO THE CREDIT BUREAUS I have tried contacting all 3 major credit bureaus. I wish to dispute all the credit inquiries for the month of XX/XX/2022. I was told repeatedly by ALL the bureaus phone reps, and mutiple sales reps that I could get quotes for car shopping etc without it harming my credit. It did indeed harm my credit and drastically so for that matter. I was not wanting or aware of what I was supposedly consenting to. I thought the dealerships were basically going to do a soft credit pull. I wasn't aware that we going to submit in such a way that I would end up with over 40 hard credit pulls! 

I spoke with a sales consultant that explained often most dealerships do not care and will essentially tell the customer whatever they want to hear. I feel that I was sincerely mislead. I have tried calling and submitting dispute online. The credit agencies have very POORLY trained employees, seemingly. They have also informed me several times that shopping around for a car ( so long as it's with the same time span ie 2 weeks, won't ding my credit ) my score dropped XXXX points solely because of this. 

I am a XXXX veteran with head injuries and other XXXX XXXX. I really don't appreciate what feels like happened. This seems and feels a bit reckless what happened. The dealerships could and should have better explained themselves. This credit bureaus also gave me false information. Insult to injury the actually seem almost hell-bent on not helping to resolve these matters. 

It seems credit monitoring via their sites and credit lock services are a cash cow for them. I think they are purposely making things more difficult and not being through with their investigations. Even though it's a multi-billion dollar industry, it seems that greed is still blinding ( at least some of the employees ) supervisors are people in the legal departments where very difficult to reach. 

The one person I was transferred to who was supposedly from the legal department seemed VERY ignorant on what all the FCRA laws were and didn't seem to really care at all and didn't seem interested to hear an explanation of the code and statues I was trying to site. 

There have been several other serious inaccuracies on my report. They are also not conducting proper and through investigations as per my request. For example 0 details given about who they independently re-verfied with, the information in dispute.