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

On XX/XX/XXXX, I deposited {$3900.00} cash ( XXXX {$100.00} bills ) into a Chase ATM machine the ATM machine took the money but had an error saying " please call chase to make sure it went through '', there was no confirmation of anything and the cash was not returned by the ATM. See attachment I called Chase and they submitted a claim. Chased issued a temp credit of {$3900.00} to me the following week but with no guarantee the original cash would be found.

The claim on the website said the claim would be resolved within 10 days, now it still has not been resolved. I called the Chase every day and they do not have updates since XX/XX/XXXX.
Product: Checking or savings account

I went to the atm at chase bank and deposited XXXX. They gave me a credit for XXXX and the atm then said it was not accepting anymore deposits. Chase bank stated they would check the atm that week and provide me with feedback. They have not responded.
Product: Credit reporting or other personal consumer reports

I Want these 3 inquiries blocked from my credit profile
Product: Checking or savings account

Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for   XXXX   so you get with a {$35.00} fee.  XXXX  get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices
Product: Credit card

There was a 25 % transfer bonus for points transferred from Chase XXXX XXXX into XXXX XXXX and was scheduled to end on XX/XX/scrub>XX/XX/2023. I attempted several times to make a transfer on that date before the promo period ended and kept encountered errors with Chase 's system cancelling my transfers upon submission. I called into customer service that night several times ( on a recorded line ) and was told there was a system-wide issue with Chase XXXX XXXX and XXXX XXXX. There were many many people impacted because I was on hold for 3+ hours late in the evening and eventually at the end the representative told me she had added my name on a list of people to receive a follow up tomorrow and that I would be guaranteed resolution with the bonus points even though the bonus was going to end that night. Again, all of this was on a recorded line that I was being promised the 25 % bonus because the issue was due to a system error. All of this has been documented in my chase account as well, as told to me by the reps I of course did not receive any follow-up and when I called back the next day and i requested opening a case with the marketing team for the bonus points since they are the only ones who can manually credit for points issues. I was forced to transfer points without the bonus since my plane ticket was on hold with XXXX XXXX and I had to book the ticket before the price went up, however I was assured a second time that I would receive credit because the error was a system error. 

I received a follow-up letter in the mail related to the case opened and stating my transfer happened outside the promo period and I was not eligible for any bonus points. The only reason my transfer happened outside the promo period was because of Chase system outage and I was promised on multiple occasions the points would be credited. Again, this was all on recorded lines and with heavy heavy documentation notated in my account notes according to all the reps I spoke with I needed XXXX points in total transferred and I had accounted for a 25 % bonus, which means I intended to transfer XXXX points and receive a bonus of XXXX points. Since the transfer errored out I was forced to transfer XXXX points in total and I lost XXXX points supposed to be received as bonus
Product: Debt collection

I have tried repeatly in the last year more than several times to request this false information that was reported on my credit reports to be removed due to identity theft and these companies continued to ignore my grievances. The dates of request/contact for removal of this fraudelent information were XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. XX/XX/year> & lastly XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Per my conversation with Experian, they will be removing all inquiries that are fraudulent and related to identify theft, I have identified all the inquiries that are to be removed and has been speaking to their id theft customer service and they told me those will be removed unfortunately that's not the case and I'm a force to see help to get this resolve on top of the identity theft damage already done. 

Have also filed a FTC Report. 

Reference to the following info Case : XXXX - Fraud Resolution Please remove all the below noted Inquiries as those are fraudulent XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX  XXXX AUTO FIN Auto Financing Companies Inquiry date : XX/XX/XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX LBS XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX FED XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX/XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX All the above aren't mine and I never applied for those, please note a fraud alert is already in place on my account for 7 years due to identity theft. 

Thank you
Product: Debt collection

The company was calling random people in my distant family asking for me, people I have no relationship with and never have. Said people then contacted my mother to ask her to pass along that a debt collector called their house and cell phones looking for me. They do not have permission to call ANYONE. It is a total violation of privacy. To top it off they were calling about a debt I resolved five years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion of several attempts about accounts that was reported to them. As I have been a victim of fraud and identity theft, I have also sent them several copies of a police report asking for them to remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX These following accounts are fraudulent and does not belong to me I have also asked that all XXXX inquiries be removed due to them being unauthorized
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Never applied to any such credit product with any such company. I XXXX XXXX Never gave written authorization or permission to any company wishing to lend any such services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Experian Credit Bureau regarding XXXX XXXX account. I contacted XXXX to ask about late payments from XXXX XXXX XX/XX/XXXX. XXXX  reported that they did not report any late payments in the year XXXX due to account being closed XX/XX/XXXX. I had no late payments during the year of XXXX and have never been late with any payments to XXXX. XXXX rep said that they havent reported any late payments and that Experian must have reported those late payments in error. The late payments are effecting my credit score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is something I am submitting on my own initiative ; a third party is not involved. HOW IS THAT POSSIBLE IF THE OPEN DATE, THE DATE LAST ACTIVE, AND THE DATE LAST REPORTED ARE NOT ACCURATE? THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED. THEY VIOLATED MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL, AS WELL.

According to 15 U.S.C. 1681 Section 602 A, I HAVE A RIGHT TO PRIVACY.

It also states that a consumer reporting agency can not furnish an account without my written instructions ( 15 U.S.C. 1681 Section 604 Section 2 ).

SEE ATTACHED LETTERS, PLEASE.
Product: Debt collection

False inquiry about a collection debt from  XXXX   XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!
Product: Credit reporting

Here is what has been reporting on my equifax credit report : Type of account : open ( incorrect information ) Date opened : XXXX/XXXX/2012 ( as per XXXX XXXX and XXXX records and XXXX XXXX Bank, the account was bought on XX/XX/XXXX,2012, then the initial notification letter did not go out until XX/XX/XXXX,2012, this is well beyond XXXX days after XXXX started furnishing negative information in my credit report without my knowledge. This is a clear violation of regulations. ) The due balance was also being misstated. I have tried to get the record straight multiple times and no official verification or proof of documents come from XXXX and still my credit report keeps getting the bad end. I demand full deletion of credit line from all credit bureaus before I commence the legal battle on this.
Product: Debt collection

I have an auto loan with Wells Fargo. I received a call from them on Saturday, XX/XX/XXXX when I was out of town so I called back Monday, XX/XX/XXXX and setup a payment dated for Friday, XX/XX/XXXX to take care of my XX/XX/XXXX payment as well as pay extra towards the principal. This afternoon, XX/XX/XXXX, I received a collection call with them trying to collect and make arrangments on a payment I already setup. When I advised that I had a payment setup, I was told that I'm still delinquent and they have to ask why I'm late. I was never explained to why I received another call and was just told it will be taken as a promise and I won't be called back. It felt harassing to me after I have already setup arrangments and an apology for the call was warranted. If my payment was accepted by Wells Fargo, I shouldn't get calls asking for the same payment two days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard pulls from XXXX XXXX XXXX no way. plus the next one was a prequalified that hrrased me for years, then turned me down. 

PLEASE REGARD ME AND REMOVE THESE 2 -- ABSOLUTELY DISGRACEFUL CUSTOMER SERVICE WITH CHASE -- REFUSAL TO ATTEMP HELP
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by Ally financial! One on XX/XX/2022 and the other on XX/XX/2022. 
Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? 
The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! 
Moreover, one of these 8inquiries, which was made by XXXX XXXX XXXX XXXX i know nothing about.
Product: Debt collection

I am being billed {$800.00} by XXXX XXXX for a diagnostic XXXX  that my doctor did not order. My doctor ordered a routine XXXX, but they performed a diagnostic XXXX and are billing me for this amount. My doctor has already re-submitted the script to XXXX several times, but XXXX has not submitted the proper claim to my insurance company, which they should because a routine XXXX is covered at 100 %. Therefore this balance is not owed by me.
Product: Debt collection

I paid a collection account on XXXX XXXX to DIVERSIFIED CONSULTANTS IN located XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have called 5 times within the past month to obtain proof that the debt was paid, I asked to please email me something the first couple of times I called so I can provide the information to the credit bureaus and information is updated, they told me THEY COULD NOT email anything ; however it would be sent regular mail, so I waited, and weeks later nothing came. This past Saturday XXXX XXXX, XXXX, I called once again and explain the situation, the representative told me " oh yes, I see you have called, there is nothing I can do but submit a request to be sent out '' this time I asked once again if the information could be email, and to my surprise he said the information could IN FACT be emailed, but it will be sent Monday Morning. Today is Tuesday, and I have check my email, junk mail repeatedly and nothing has com through. This is to formerly complain that this company continues to hurt my credit score as it shows the account is still open in XXXX. I have contacted them several times ( is on their records ) and to this date they keep giving me the run around and I am unable to provide XXXX with an actual document which states the debt has been satisfied. I already filed a dispute with XXXX explaining the situation, however the results were " not change '' meaning the account still shows open and it still has a balance. This company is failing to assist me and failing to provide information I have requested over and over again. My address was verified every time I spoke to them, lastly I provided my email and nothing.
Product: Mortgage

The mortgage company was late paying both installments of my property taxes through my escrow account. They ended up paying the original balance but did not pay the late fees that came about from paying both installments almost two months late. They paid {$3700.00} on XX/XX/2023 when the payment was due by XX/XX/2023. Because of this late payment, a late fee was due by XX/XX/2023 that I got in the mail on XX/XX/2023. I contacted M & T and told them I felt more comfortable paying the fees and getting reimbursed because if they were not paid within the week then my property taxes would be sent to auction. I spoke with a representative and was told on the phone that I would get reimbursed once I paid the late fees and submitted the required receipt. I paid the tax fees to the county directly and submitted my receipt to get reimbursed. After submitting all paperwork, I received a letter saying the penalty was not charged to me, therefore there was no overpayment and I would not be refunded. I contacted them on separate occasions and asked to speak to a manager to clear this up and was told a manager would call back within 24-48 hours, however a manager never returned the calls, and I have been unable to speak to a representative to help with this matter.
Product: Mortgage

PennyMac USA Loans Loan # XXXX I have tried calling PennyMac and can never get through and only hold to wait for a representative to answer for over 43 minutes each time, total 1 hour 33 minutes. I have received conflicting statements regarding my escrow payments and total payment and total payoff. 
1. PennyMac continues to pay from my escrow account PMI for XX/XX/XXXX, XXXX XXXX scheduled to pay PMI on XX/XX/XXXX and the loan was closed XX/XX/XXXX and paid in full XX/XX/XXXX ; see attached documentation. 
2. The loan payoff amount was paid in full from XXXX firm and this did not include monies from our suspense fund. See attached documentation 3. I called XXXX  XXXX XXXX XXXX and was told an insurance check refund of {$330.00} was mailed BACK to PennyMac who will send us the {$330.00} check. But I have not received a check for that amount. The only check I received was {$2.00} ; see attachment. 
4. PennyMac continues to falsify information and documentation in an attempt to keep monies owed back to us. See documentation. 
5. The respondents own response to the previous complaint Dated ( XXXX ) XXXX conflicts the new documentation I have attached. 
Please help us recover All monies due back and keep PennyMac from harming us financially. Your attention is greatly appreciated. 
Respectfully XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank has closed my checking account based on a review by its fraud department in which a questionable check had been deposited for review and found to be a fake check Further discussion with the department went with why i had been receiving large deposits for example from new busininess government loans and used to send overseas. No fact was allowed to be seen just the opinion by bank fraud officers that my activity is considered fraudulent with no actual facts to back such decision Check proved to be fake and confiscated and i received no money from it. Account is now closed and i am told bank will no longer accept my application for new account Mere opinion by bank officers should not be sufficient reason for closure and my sensure as bad guy dates of activity XX/XX/2021 several dates
Product: Mortgage

On multiple occasion our mortgage company has caused financial and emotional distress. XX/XX/XXXX we requested a another escrow analysis after only receiving a check and no disclosure statement of the analysis. Today, XX/XX/XXXX after opening our mail read the disclosure statement that states we are required to have {$2200.00} in escrow which is deceptive and misrepresentation. We called Fay Servicing and spoke with XXXX and she said a reanalysis was completed on XX/XX/XXXX and the analysis on XX/XX/XXXX was correct. This is false because ( see understanding your monthly escrow payment amount # 2 ). Additionally, today is XX/XX/2019 and we are just now receiving the new payment amount due XX/XX/2019 only 10 days before the payment due date. We made multiple requests to XXXX to advise the required cushion amount and the only amount she would give is the {$2200.00} but when we called on XX/XX/XXXX we were advised ( 2 ) month of cushion is required. Our new escrow amount is {$360.00}, so a ( 2 ) month cushion would be {$730.00} which is stated on the understanding your monthly escrow payment amount # 2. Once again our current escrow balance is {$2200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from Experian regarding disputes I initiated about two alleged repossession accounts listed on my credit report : XXXX XXXX and XXXX XXXX. Shortly thereafter, I received a letter from Experian stating that they believed my dispute correspondence was not legitimate. The letter requested that I verify my identity by either calling or writing to them. 
I promptly called Experian on the same day, XX/XX/XXXX, to confirm my identity. The representative I spoke to assured me that my disputes were still under investigation. I received a confirmation number for this call : # XXXX. However, the following day, XX/XX/XXXX, I was notified that my disputes had been finalized. 
The timeframe between my confirmation call and the dispute resolution is extremely short, raising concerns about whether a thorough and accurate investigation was conducted. I was not informed of the specific steps Experian took to investigate my disputes, nor who they contacted to validate the accounts. Experian has not provided any documentation or evidence to support the continued reporting of these accounts. The initial letter questioning the authenticity of my dispute appears to be a stall tactic, designed to delay resolution and potentially hinder my ability to ensure my credit report is fair and accurate. 

Experians handling of my disputes appears to violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. Section 611 ( 15 U.S.C. 1681i ) Procedures in Case of Disputed Accuracy : Subsection ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed items. 
Subsection ( a ) ( 5 ) : Mandates the deletion or modification of information that can not be verified.

2. Section 609 ( 15 U.S.C. 1681g ) Disclosures to Consumers : Subsection ( a ) ( 1 ) : Entitles consumers to see the information in their credit file. 
Subsection ( a ) ( 2 ) : Requires the disclosure of the sources of information reported on the consumers file.

3. Section 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Furnishers of Information : Mandates that information provided by furnishers ( in this case, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) must be accurate and verifiable. 

Experians handling of this matter undermines my right to a fair and accurate credit report, as guaranteed by the FCRA. Their failure to provide sufficient documentation, conduct a reasonable investigation or ensure the accuracy of the reported information is a clear violation of federal law. 
I seek the CFPBs assistance in ensuring Experian complies with its legal obligations under the FCRA.
Product: Credit card

On XXXX, SynchronyBank wrote : " In addition, a credit for {$9.00} was also applied to your balance on XX/XX/year>, as resolution for a billing dispute opened by you on XX/XX/year>, in which you claimed you were overcharged by the merchant by {$9.00}, for the purchase in question ''. 

If true, why did you give this credit WHEN THERE'S NO INVOICE/Charge of {$1200.00} by XXXX XXXX ? ? A credit i could never request since there was NO SUCH Extra Charge. 

SynchronyBank Statement ( XXXX ) Attached ( also attached in my Complaint XXXX ) states : PAYMENT OF AMOUNT IN DISPUTE {$1800.00} NOT REQUIRED. SynchronyBank must explain this LIE and Fraud {$1800.00}. Where did you get {$1800.00} from?? 

Also, i didn't PURCHASE anything in XX/XX/year> as SynchronyBank continues to claim WITHOUT EVIDENCE for this {$30.00} PURCHASE of XXXX.