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

onXX/XX/XXXX or XX/XX/XXXX I came to Chase Bank which located in the XXXX XXXX XXXX XXXX, XXXX AZ XXXX, with my friend to deposit cash around {$1400.00} to ATM machine which stand in the lobby. We deposited two times coz one time can not deposit all of them, and when we do the second time, the machine was stuck and after 5-10 mins loading circle, the screen showed need the bank supports help, and the ATM machine didn't come out any receipt or paper to show what's going on. we called the staff from bank to help us, they suggested us to call the bank customer service to do the claim service, I called and built the claim case with Chase customer service, they just said they'll do the investigation process and will resolve within 10 business days, on XX/XX/2018, I checked my bank app, there is a credit added {$1400.00} into my recent transaction, but today when I logged into my online account, on XX/XX/2018, I saw there is a claim reversal transaction showed up, which is that {$1400.00} amount was reversal, then I called the bank, they said they can not do anything about this solution coz they already went through the claim process and their back office gave this result. but I'm definitely disagree with this, coz i deposited the cash in the lobby on that day, my friends and the lobby staff also saw that, coz there is one staff came to ask us is this machine works well, we answered yes, and they explained with us, coz some guest use this machine to deposit money but got in some trouble before so they questioned. that means they knew this machine got some problem. but i called the bank customer service to ask if there any other way can do it again, they said there is nothing he can do. i am so angry with this answer, coz i was depositing my money through your bank ATM machine, but is the machine comes out the problem not because i'm lied, according to he said can not do anything, the only thing i can do is to complain the bank.
Product: Money transfer, virtual currency, or money service

I need to send money to my XXXX account. Capitalone is blocking my efforts. They will soon loose me as a customer for this.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/2024. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Instead of responding back with the results. They sent a stall letter stating that I am working with a credit repair company in which I'm not. I did use a software to help with the letters. There is no law stating that I can not use a software or seek professional help if I choose too. I also submitted a copy of my drivers license, proof of residence and my social security card to verify my identity. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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

Portfolio recovery has been reporting improper information on my credit report. I have never sign a contract with portfolio recovery. On my credit report they are listed as original creditor.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX IL XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On CopyXXXX XXXX, Attorney General, and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with an issue between XXXX XXXX and trans union. Going back and forth since XX/XX/XXXX. My XXXX XXXX account dropped XXXX points the day one of the parties closed my account in error. Trans union is XXXX and visa versa. The should handle instead of placing blame elsewhere. My XXXX account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called XXXX and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to ensure that this information is reported with maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) .Equifax has violated 15 U.S.C . 1681i ( a ) by not conducting a reasonable reinvestigation of disputed information in the past, as evidenced by the CFPB 's findings.Reporting of inaccurate, incomplete, or unverifiable information violates my rights under the FCRA.
Product: Credit reporting

In XXXX 2016, I called my credit card provider, XXXX. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$230000.00}, which is about the same has it has been for the past XXXX3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$35000.00}. The woman either did not hear me or made a typo in submitting the request, leaving {$200000.00} off our annual income. This is solely based on XXXX error. I have repeatedly contacted XXXX about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest XXXX ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably XXXX ' mistake, and XXXX refuses to do anything?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had an ongoing issue with Experian and there lack of investigating disputes theres an account from XXXX thats still reporting on my credit eventhough Ive told Experian a thousand times its not my account. XXXX and XXXX have removed the account but its like Experian has a loyalty to the agency. Not to mention each time Ive contested this account Experian reported my late damaging my score why? Because I want them to honor my rights as a consumer this accounts doesnt belong to me please remove.
Product: Credit reporting or other personal consumer reports

I need your help regarding an inaccurate account on my credit report. This matter is affecting my reputation, and I require your assistance. I urge you to promptly block and delete these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has access to my personal information and its ruining my credit by applying numerous accounts and I don't have knowledge of what or who this could be.
Product: Credit reporting or other personal consumer reports

Someone has gain access to my personal information, And has been applying for different Bank requesting auto loans.I have 8 inquiries on my transunion profile and XXXX inquiries on my XXXX account that does not belong to me.i will list them below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I was expecting my weekly direct deposit from my job to my Capital one checking account and did not receive anything. I tried contacting Capital One Bank and havent been able to get anyone via telephone, so I decided to go to a branch XX/XX/year> and was unable to receive any help either. Capital one sent a email ensuring the issue would be resolved by Friday morning and its now XX/XX/year> XXXX XXXX  and still have not received my direct deposit. This is inconveniencing me and Im unable to pay the bills I have that are due at the moment.
Product: Credit card

I have a PayPal MasterCard account. I have been paying off a large balance the last couple of years due to a move. I was making extra payments and they were not being applied to the next months statement. They would still send me a bill. I called them once about it and said they ca n't do that and they need to return my extra payments. They sent me a check for around {$2300.00}. They never reversed interest on the years I have been doing that. They just refunded my last few extra payments. 
It just happen again. I sent a {$500.00} payment for XX/XX/XXXX and and extra {$2500.00} that one would think would be applied for XX/XX/XXXX. I just spoke to them and they said thats how they do it. 
I would like to know why they are allowed to do this and where is the protection for the consumer from these predators.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the late/delinquent payment CAPITAL ONE reported on my credit.

In accordance with the Fair Credit Report Act Capital One has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a letter from Dynamic Recovery today concerning a debt with XXXX XXXX, I have not had ANY business with XXXX XXXX, Its over 10 years since I did business with XXXX. I would like verification that this is valid and stop all communication from this Collection Agency. These agencies are buying old accounts and expecting that consumers just take their hard earn money to pay, because of the credit systems, families are being destroyed, agencies like this is ruining households with these types of letters.
Product: Credit reporting

I have made XXXX request with Experian to provide documentation that the credit bureau uses to verify the unknown collection accounts that are on my account. In the results of their first re-investigation, they stated in writing that they " verified '' that those collection items were being " Reported correctly ''. As of today, I have yet to be sent any documentation verifying those collection accounts. They have ignored my request to provide me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or CAN NOT verify any of those collection accounts and under Section 611 ( 5 ) ( A ) of the FCRA, the credit bureau is required to " promptly DELETE all information which can not be verified. '' I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

Money taken out of my checking account for a payment I didnt authorize and has put my checking account in the negative by almost {$800.00}. 

I called and made a payment for XXXX payment that was processed on XX/XX/2020 for {$1300.00}. This includes my mortgage payment plus a {$17.00} payment processing fee. 

On XX/XX/2020, an unauthorized mortgage payment for {$1200.00} was debited from my account. 

Why is the company taking money from my account without my permission? 

I was told that because Im paying my XXXX mortgage payment in advance, Im not authorized to pay on-line. And my only options are paying by telephone with a representative for {$17.00} or by mail. 

I didnt want to take the risk of having payment lost in the mail, so I chose the telephone option. 

Now, my checking account has unauthorized drafts.
Product: Checking or savings account

At the end of XXXX and XX/XX/2022 I had made cash deposits in both months, cash that was from a check that was made out to me as a referral fee for selling a new construction home. I had taken the checks made out to me directly to the paying bank and had them cash me out and deposited the cash into my Chase checking account. Neither of the checks were over {$2000.00}. On XX/XX/XXXX I was paid 2 more referral fees for selling a new construction home, both of those checks I also took to the paying bank and had them cashed which I then deposited into my Chase checking account. The next Monday on XX/XX/2022, I received a check from my occupation. It was another referral fee paid to me for selling a new construction home. Instead of cashing the check from the paying bank like I had done in the past I decided to to do a mobile deposit of the check directly into my Chase checking account. I may have deposited the check too early as funds had not become available to be redeemed. On XX/XX/2022 I was told there was a hold on the check deposited due to funds not available from paying bank. No information was requested from me. The following day XX/XX/2022 I was informed Chase would be closing my account due suspicious activity or because I couldnt provide information that they had requested. However I was never given the opportunity to authenticate the funds that were being deposited into my account and Chase never requested any information from me to attempt to keep my account open. Instead they informed an irreversible decision had been made to close my current checking account and never be able to open another account with Chase. When I asked why or if anything could be done I wasnt given any substantial information instead I was told there was nothing that could be done and my account would be closing. Since I wasnt given the opportunity to authenticate the funds or given a reason why my account was being closed I can only come to the conclusion that, because I am a young XXXX American living in a border town that is making large cash deposits into my account led the bank to jump to the conclusion that the funds I was placing in the account were not legitimate and not obtained from a reputable source. I feel I am being discriminated against for the previously mentioned circumstances as I was NEVER given the opportunity to authenticate my position and the funds that were being paid to me.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Mortgage

Complaint to denounce Wells fargo short sale team deceiving and business malpractices. 
On XX/XX/XXXX, I hired a realtor to assist me with doing a short sale for my property located at XXXX XXXX XXXX XXXX, NJ XXXX. Shortly after, Wells Fargo informed us I qualify for a short sale. 
Unfortunately, it has become clear Wells Fargo intentions are to sabotage and delay the short sale approval to eventually sale my house as an XXXX. These are the facts that support my complaint : 1.I have a cash buyer who has agreed to pay full asking price for my house AS IS. 
XXXX XXXX is in deplorable condition, it is falling apart, needs over a XXXX XXXX dollars in repairs and must be purchased in cash. 
Rather than approving the short sale, for over a year now, the team assigned to my loan has been giving my realtor the run around asking for the same documents we have provided to them over and over. 

2. The short sale for XXXX XXXX XXXX was approved at the beginning of XX/XX/XXXX, the only document missing was the signed addendum for purchase price of {$210000.00}. Before we could email the addendum, Wells Fargo unexpectedly closed the file and made my realtor start the process all over again. 

3.After this incident, a new home preservation specialist was assigned to my loan, XXXX XXXX . She assured my listing agent the short sale will be approved any day since it had recently been. 
Unfortunately, XXXX seems to have orders to gate keep my house. Since XX/XX/XXXX, she has been lying to my listing agent refusing to forward the HUD and short sale documents for final approval. 

4. On XX/XX/XXXX, without my permission, XXXX removed my listing agent as an authorized representative on my file. For a few weeks Wells Fargo kept telling my realtor that she did not appear as an authorized person and refused to give her any information about the status of the short sale. 

5. After being removed as an authorized representative, my listing agent filed a complained against Wells Fargo on the Consumer Financial Protection website. Since then, XXXX XXXX ( XXXX manager ) has been emailing back and forth with my agent. He was supposed to expedite the short sale approval. 

6. On XX/XX/XXXX, XXXX XXXX emailed my listing agent stating HUD has approved the use of the current appraisal through XX/XX/XXXX. If we dont close before then, a new appraisal will need to be ordered. He added : As soon as we receive the counter offer, we will work on the short sale approval ASAP 7. My listing agent informed XXXX and XXXX on XX/XX/XXXX, the cash buyer can purchase the house by XX/XX/XXXX, how XXXX and XXXX are not responding. It is clear they are purposely refusing to approve the short sale this week because they want the appraisal to expire and order a new one. 

My wife passed away a few years ago ; I am the sole provider for my teenage daughters. I was hoping to have completed the short sale by now so I can move on. It is very clear the home preservation specialist and her manager intend is to mislead. They have no respect for the stressful situation I am in. this is causing me harm.
Product: Credit card

I was notified through my banks credit notification of a new credit inquire on XX/XX/year> via email. I also received an email with reference number from Bank of America of my approval on XX/XX/year>. I contacted the Bank of America on XX/XX/year> stating I did not open a credit card and I had no knowledge of a credit card. The company said they closed the credit card due to fraud and said they will send me a copy of the application. I then added a freeze through all three credit bureau.