23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/XXXX I made a {$600.00} cash deposit at a CHASE ATM at the outside drive thru ATM. After taking the XXXX bucks the ATM screen froze, and did nothing but have a frozen error screen. Now, this has happened to me TWICE in the past six months, except this time, this ATM did not give me a error receipt to call and make sure the money was accredited. FIRST WARNING of something gone wrong, besides the original technical difficulties. After waiting several minutes and being honked at, I reluctantly drove around to go inside the CHASE branch to speak to a manager, where he supplied me with the claims number and the ATM information. After about an hour and a half of waiting on hold and being passed around to representatives I finally was told by the gentleman " I see you making the deposit at the ATM at the time of your claim, your account with be credited the {$600.00} '' Which at the time pleased me and thought all was resolved. Until a MONTH later, on XXXX/XXXX/XXXX I check my account to see a " reversed credit dispute $ -XXXX '' I had no warning, no one tried to reach me to tell me the issue. NO, they went sneakily behind my back a month later and took the money out of my account. Since then I have made multiple phone calls, spoke to several representatives, and have spent agonizing hours trying to get MY money back from THEIR technical errors. I have been told " there is nothing we can do, your money has not been retrieved, we have sent out technicians to our sister locations to try to find the missing {$600.00}, which has not been accounted for ''. I am now at FAULT for their faulty ATM 's. After doing some research I have seen XXXX individuals suffering the same as me with CHASE. I feel as though I have been CHEATED, and STOLEN from. That {$600.00} was hard earned server cash I worked months for, to save for XXXX and bills. Now I am collecting over draft fees, on top of my money being STOLEN. 

I am angered that I have done all of the necessary steps in my claims to get my money back. I was told I was SEEN on camera at the ATM by their own rep on a RECORDED phone call. They have proof I was there, in broad day light making the deposit, they can see me going into the building, even asked me to tell them the actual increments of bills I deposited, and now all of a sudden, its like I never even made the deposit. 

The customer service I have received is XXXX, I suffer from XXXX and confrontations like this eat away at me. This WHOLE ORDEAL HAS BEEN A NIGHTMARE. Basically being called a liar and thief, after I have been a CHASE client for YEARS. After seeing so many other people dealing with the same obstacle I feel as if CHASE MUST know about their faulty ATM 's, and I am screaming FRAUD!!!!!!!!!! FRAUD FRAUD FRAUD!!! How many people is CHASE making more money off of, by allowing these poor functioning ATM 's to remain operative? This is despicable for such a large banking corporation, and frankly I am disgusted. ITS MY MONEY, and CHASE stole it POINT blank, they NEED to take responsibility for THEIR bad machinery I made on THEIR premises, with PROOF.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2900.00}, XXXX XXXX XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I paid my capital one credit card in full using my debit card on XXXX XXXX knowing I would have to have proof of a credit card when I picked my rental and be able to put deposit to get my hotel I booked for XXXX XXXX in XXXX The plan was to arrive in XXXX get a rental and drive down to XXXX because everything was cheaper that way ( I THOUGHT )... However upon arriving in XXXX to pick up the rental my capital one card hadn't recieved proof the money was available, which was a totally embarrassing experience I immediately called capital one and was given the run down by them, that it was a 4 day hold. I called my bank and was informed it was a direct deposit funds available immediately, I then called capital one back, and I explained to them by way of my bank that the money was a direct deposit not a check deposit I explained that my bank had informed me it was no longer pending as of XX/XX/XXXX and today is the XXXX They told me it was nothing they could do about this after they called and failed to speak with a rep at my bank, I offered and said I would call and merge the call and was told not an option I then explained to them I was stranded this company apologized and that was it... I explained again the seriousness and nature of the situation I told them I did my due diligence by paying 2 days early making sure it would post so I would be able to rent the car and gain access to the hotel. After all the pleading they said nothing they could do I asked them to refund they said they couldn't AND AS OF THIS PRESENT MOMENT XX/XX/XXXX THE FUNDS STILL ARE NOT AVAILABLE So Im stuck had to get Walmart dispatch in XXXX FL to send a XXXX for me so I could get a room... I am a Walmart private fleet truck driver and was SUGGESTED by Walmart legal assist to contact XXXX  and file a complaint which legalized the initial correspondence I want to be reimbursed for money I have already spent on rental and room This is my first attempt, no one had called nor returned my original correspondence with them They basically said it's not my problem you stranded in Florida after the web site starts its a 2 day hold only at most
Product: Checking or savings account

Bank of America charged my account a {$15.00} wire fee on XX/XX/XXXX. I did not send a wire from Bnak of America. I received a wire on the XXXX from someone but there isn no record of sending a wire. Attached is an image of the transaction history XX/XX/XXXX.
Product: Mortgage

I had the misfortune of having a loan serviced by the scam artists known as Caliber Home Loans. The company had secured flood insurance on my behalf. When I sold my property, I wanted to get my prorated insurance refunded, and that's when the nightmare started. 

For weeks, I tried contacting the company but to no avail. Their automated system has one and only one purpose : to make sure nobody ever gets to speak with a customer service rep. No matter what options you select, you get automated responses. 

Long story short, having spent weeks attempting to contact these scam artists to recover the funds they owe me, I had no luck.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file NO. XXXX ) against them for similar violations. I request that the CFBP take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( Auto loans, XXXX XXXX, and Mobile phones ) [ Ally Financial ] with a balance of [ XXXX on my credit report ], [ XXXX XXXX Bank ] with a balance of [ XXXX on my credit report ], [ XXXX XXXX XXXX ] with a balance of [ XXXX on my credit report ], [ XXXX ] with a balance of [ XXXX on my credit report. ]. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] # from FTC report ] as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

They took my money when they should have not and closes my accounts
Product: Debt collection

I received a debt collection letter from Eastern acct system of connecticut , inc. 
stating they are trying to collect a debt for XXXX XXXX  ; XXXX continues to sell my information to outside business without my knowledge and permission which is a violation of my consumer rights ; recently the same debt was trying to be collected by another company in which I disputed and it was closed because yet again they failed to prove to me how the alleged debt is owed ; and here we are again with XXXX trying to collect with a different debt collection company threating to place the account on my consumer report and ruin my credit ; I am tired of the harassment and the selling of my information ;
Product: Prepaid card

I received a XXXX XXXX card from a previous employer. The XXXX card was accessed via XXXX The card had an expiration date of XX/XX/XXXX. 

Today, XX/XX/XXXX at approximately XXXX PT, I attempted to use the XXXX card to purchase an XXXX XXXX order. I received an error message that it was an invalid card. 

I logged onto the website XXXX XXXX XXXX XXXX XXXX and signed in and verified that there was still a balance on the card XXXX XXXX XXXX. 

I attempted to get help via the " XXXX XXXX '' option on the website but also called the company at the number provided. While I was on hold with the XXXX XXXX, I discovered via the automated phone service that my card " had expired ''. I was unable to get on the phone with a live person. This was around XX/XX/XXXX at XXXX PT. 

When I finally got through to the XXXX XXXX on the website, I explained to the representative that I was getting an error while trying to use the card and that it was still XX/XX/XXXX so the card had not expired yet. The representative told me that the card was expired and that I could request a replacement. However the fee to request a replacement card was XXXX and I did not want to pay that fee, as the card had not officially expired yet! 

The representative told me that the card had indeed expired because the card followed XXXX time. I asked the representative to direct me to a place on the website that specified that the card expired on XXXX time. The agent responded that he was unable to provide that, as that information was not stated on the website. He told me to check my card holder agreement. 

I told him that I already had checked my card holder agreement and that nowhere was it stated that the card followed XXXX time. I copy and pasted the only verbiage on expiration dates, which states : " Expiration- The Card expires on the date printed on the front of it. Because funds on the Card expire when the Card expires, you will not be able to use the XXXX after the expiration date and a replacement Card will not be available. '' I pointed out that the card holder agreement only stated that the card expires on the date printed on the front of it ( which is XX/XX/XXXX in this case ) and since it was still XX/XX/XXXX where I am located ( XXXX time ), the card was not expired. 

The agent was adamant that he could do nothing and that my only recourse was to request a replacement for a XXXX fee. I stated that the fee was not warranted because the card is not considered expired under the terms of the card holder agreement. The agent disconnected the chat after that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX/transuion I am writing to address a matter of utmost seriousness regarding an alleged debt under my name, which I do not recognize. On XX/XX/year>, I submitted a debt validation request to XXXX XXXX XXXX regarding the aforementioned debt. In response, I received a statement from XXXX on XX/XX/year> of an account bearing a name that is not mine. It is evident that this account does not pertain to me. 

Furthermore, I must emphasize that a mere screenshot or bill does not suffice as proper debt validation under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX has failed to provide adequate validation of the debt, and this information is inaccurately reported, in violation of XXXX CFR notice of validation of debt regulations. 

Additionally, XXXX XXXX XXXX has neglected to furnish me with a signed contract for this alleged debt. As per Consumer Law Code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ), the unauthorized use of my information constitutes aggravated identity theft, requiring permissible purpose, which I did not grant to XXXX XXXX XXXX for reporting this or any other account on my consumer credit reports. This blatant disregard for my consumer rights has caused me considerable mental anguish, impeded my ability to obtain credit, hindered my prospects for employment, and tarnished my reputation. 

This letter serves as my final demand to XXXX XXXX XXXX to promptly delete this invalid collection account from my credit reports. As XXXX XXXX XXXX has failed to provide me with a signed contract agreement delineating the alleged amount between itself, the furnisher, and myself as the consumer, I am left with no recourse but to pursue legal action. I will proceed to seek damages against XXXX XXXX XXXX for its egregious actions. 

I trust that you will take immediate and appropriate action to rectify this matter. Failure to do so will leave me with no choice but to escalate this issue through legal channels. PLEASE DELETE THIS Inaccurate account from my credit profile! 

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

I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I requested a credit report from Experian dated XXXX ( Report # XXXX ) which incorrectly listed the following Public Records which do not belong to me : ( 1 ) XXXX XXXX XXXX ( Judgement in Favor of XXXX XXXX XXXX ). This is a XXXX judgment which appears to be in the name of my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. 

( 2 ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). This too is a matter related to my father ( XXXX XXXX XXXX, XXXX ) who lives at XXXX XXXX XXXX, XXXX XXXX, XXXX. I live in XXXX and have no knowledge of ( or obligation to ) this matter. Additionally, This is surely under a different SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report. I asked for source of information, and the source given to me does not provide information to credit services. I disputed information with XXXX and they responded in writing saying that the information is unverifiable. I then disputed information on XXXX and Experian. They said that they verified information via XXXX and the court. I have sent XXXX a screen shot of response from XXXX and email from the court, but they refuse to remove item from my account. Furthermore, I have never given consent ( as required by law ) for this information to be included on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent {$1000.00} to XXXX XXXX XXXXXXXX XXXX XXXX as a deposit for a new fence, with Zelle XXXX through XXXX Bank XXXX I called him several times at XXXX, he said he was coming, then nothing! I found him on the internet, because of many other people he has scammed. I filed a complaint with Zelle, they said it was my banks problem, I called and filed a complaint with XXXX, they said sorry, we are not responsible. I filed a Police report with XXXX XXXX, TX, I do not think they even looked into this. I know now that I should of been more careful, but I thought this would be protected like a debit card, or credit card transaction. Institutions should not be able to provide a service they do not claim responsibility.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I made two payments on my XXXX XXXX account of {$100.00} and {$330.00} which left me a balance of {$550.00}. In XX/XX/XXXX due to COVID related issues I was evicted from apartment on or about XXXX XX/XX/XXXX ( see attachment ) for specifics. I was officially released from apartment by the landlord on XXXX XXXX ( see attached voucher ). The account was closed per my request ( XXXX XX/XX/XXXX ) I have since paid off what I owed the landlord. However, in XX/XX/XXXX my electrical account was was reported on my credit reports as delinquent. XXXX and I could not come to agreement on the amount due because they had no record of my XXXX payments. The account was sent to a debt collector and palaced on my credit report. In XXXX, I got the debt removed from my credit reports however in XX/XX/XXXX, the account was transferred to another debt collector Transworld Systems and they have been reporting the delinquent date as XX/XX/XXXX under the amount of {$850.00}. When I requested information or any information, they had on file on the date... they sent a reply back to the credit reporting agency of " No Data Available ''. That in itself should have required the removal of the debt but it was not. I have tried every way possible to get this corrected. Sent documentation but to no avail.
Product: Money transfer, virtual currency, or money service

My account got hacked and there were fraudulent transactions made..Venmo refused to refund me or try to get my money back..they denied my claims without doing a full investigation
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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

Hi my name is XXXX XXXX. My complaint is in reference to Transunion reporting a plethora of inquiries on my report which I have disputed and made them aware that I did not authorize these inquiries. They refuse to honor my dispute, investigate, or remove these inquiries from my report. 

XXXXXXXX  ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX