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

On XXXX/XXXX/16 at XXXX, the Chase ATM XXXX ( located at XXXX XXXX XXXX, XXXX, New Jersey ) absorbed my check in a total amount of {$2100.00}, which I was depositing into my Chase bank account, without crediting {$2100.00} into my Chase bank account. The ATM machine did not display the check image on the ATM screen and did not credit my {$2100.00} Check deposit into my Chase Bank account. Most of all, due to the ATM Machine experienced technical problems, my deposit of {$2100.00} check did not go through this ATM machine successfully on XXXX/XXXX/2016 at XXXX. I observed that the ATM machine made some noises and beeps after my check was taken by the ATM, then the ATM machine was shutting down after a receipt was printed out and the system reboot itself, then stated " the ATM has experienced a technical problem '' and my {$2100.00} check was still inside the ATM Machine. I made a claim immediately on XXXX/XXXX/2016 at ( XXXX ) XXXX at XXXX and the Claim number is XXXX and Chase Executive Office Case number is XXXX. On XXXX/XXXX/2016, I went to the Chase Branch that has the broken ATM Machine ( ATM XXXX ) in person and spoke to the Branch Manager about this incident, the Branch Manager told me that they were not able to do anything since I filed the claim with Chase Claim department and got temporary credits. The tellers at this Chase Bank Branch located at XXXX XXXX XXXX, XXXX, New Jersey encouraged me to use their Chase ATM for depositing and now the ATM Machine is broken when I made my deposit. 

I am very concerned about the processes of researching/investigating that Chase Claim Department is currently using to handle this ATM technical problems. Chase is not doing this in a timely fashion. I appreciate the upfront temporary credits in a total of {$2100.00} given by Chase bank, however, it is not permanent and subject to return in case if JP Morgan Chase Bank is unable to find the {$2100.00} check that I deposited on XXXX/XXXX/2016. I am quite worried about this situation. It would cause me headache and ample time and energy to resolve the problem that was actually caused by the broken Chase ATM machine. It appears to me that JP Morgan Chase Bank takes their time for doing their research / investigations that I could not stand. As I have found out personally, the Chase Claim Department simply do not track any progresses of the claim and could not provide me with any concrete updates over the phone from any claim specialists ( junior to senior ) - it is helpless and hopeless! The timeframe is given to me with inconsistence answers from different claim specialists ranging from XXXX48 hours, to XXXX2 weeks, to XXXX XXXX deadline ( over a month ). The Chase Claim Specialists are not able to tell me why they take so long to research / investigate. 

Here are some online postings that I have found via XXXX Search Engine : Chase ATM Technical Problem - Online postings from the Chase Customers and their awful experiences. I am not sure if Chase has improved since these complaints from the Chase Customers posted in the last several years. 

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

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Checking or savings account

I lost my debit card and requested a new one I received one in the mail and their automated system wont activate it I dont understand I called them to notify them they refuse to help me first time Telling me to go to the bank when their closed and the pandemic covid 19 how can they do this to me when all Im requesting is my card to be activated unbelievable
Product: Mortgage

I applied for a mortgage refinance with Rocket Mortgage/Quicken Loans. I am at 95 days since application and the closing was scheduled for Friday, XX/XX/2020, at XXXX XXXX  PT. The signing agent did not show up and after attempting to determine what happened after speaking with 10 different people at Rocket Mortgage trying to figure out what happened, another agent was rescheduled for the same day at XXXX XXXX  PT. Again, the agent did not show up and there were attempts to reschedule the closing and signing agent on Saturday, XX/XX/2020. Again, there was a problem with closing due to lack of communication and preparation between Rocket Mortgage and the servicing company XXXX, so closing and another signing agent was yet again rescheduled for Monday, XX/XX/2020, at XXXX XXXX PT. The signing agent arrived without my closing papers. In addition, there were also several delays in the documentation verification due to a " technical glitch '' that delayed the process by over a week. Rocket should not be advertising services that it can not deliver in a timely and professional fashion.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I MAILED IN VIA CERTIFIED MAIL TO EQUIFAX MULTIPLE DISPUTE LETTERS REGUARDING '' FRAUDULENT AND UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE TO HAVE DELETED IMMEDIATELY SINCE I DIDNT CONSENT FOR THE SAID COMPANIES TO PULL MY CREDIT REPORT! I LATER CALLED EQUIFAX ON XX/XX/21 TO CHE6 THE STAUS OF MY DISPUTE! THE CUSTOMER SERVICE REPRESENTATIVE STATED THAT IT ALREADY CONCLUDED ITS INVESTIGATION AND THAT THE HARD INQUIRIES HAVE TO STAY ON MY REPORT FOR 7 YEARS EVEN THOUGH I DID " NOT AUTHORIZE '' THEM! I SENT IN SUPPORT DOCUMENTS THAT I DIDNT BUT YET THE CUSTOMER SERVICE SAYS THAT MUST REMAIN ON WHEN THERE '' FRAUDULENT '' THIS COMPANY HAS LACK OF EMPATHY FOR THEIR CUSTOMERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed XXXX on XX/XX/2019 to inquire them to do a debt validation but unfortunately never received any documentation back. I had pulled my report and tried calling the two cards " XXXX XXXX XXXX '' on XX/XX/2019 and customer service stated they had no recollection of my account and could not find any further info and unfortunately they could not delete something they could not find. It has been years I am trying to by a home and I want a resolution to this. Please assist thanks.
Product: Credit reporting or other personal consumer reports

I have tried disputing several times accounts that do not belong to me and I have also submitted a police report and Experian has yet to remove the negative items off of my credit report which is damaging my credit the following items are 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 These are not my accounts and Im asking that they please be removed
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to urgently request that you remove an account from my credit report. This account is causing me significant anxiety and stress, and it is affecting my ability to sleep. I have previously provided all the necessary documents to support my request for removal, and I implore you to take immediate action to remove this account from my credit report. I would greatly appreciate your urgent attention to this matter
Product: Debt collection

I have received a copy of my credit report by my mortgage lender and it shows that this account is in collections. I have never received a phone call, a letter or any information of validation of debt. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Provide a copy of my signature with the provider of service to release my medical information to you. This is the last opportunity I will give before filing a HIPAA complaint to HHS.gov and taking this case to my state attorney.
Product: Debt collection

A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is XXXX XXXX XXXX XXXX , XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : XXXX % discount payable in 2 payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, XXXX XXXX , XXXX *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC will not sue you for it, and LVNV Funding LLC will not report it to any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : 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 AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA,  that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Debt collection

I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  submitted false information to the credit reporting agencys this violates my consumer right. I don't think investigation was done thoroughly and accurately. Even after disputing accounts ( I have yet to receive any letters directly from said company providing proof account is mine ). How can credit reporting agencys verify as accurate please provide all letters sent from credit card company as proof that they mailed any documents to me after credit bueru did investigation up year 2022. I suggest credit card company don't provide false letters either all my XXXX account is set up that I can view all my receivable mail..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Dear Sir or Madam, I am formally disputing the accuracy and validity of the following accounts reported on my credit file. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a reinvestigation and the removal of any unverifiable or inaccurate information. 

The accounts in question are : XXXX. XXXX XXXX  ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Request for Verification Documents In compliance with 15 U.S.C. 1681i ( a ) ( 7 ), I am formally requesting that you provide all documents, records, and communications used in the verification process of these accounts, including but not limited to : The original creditor 's signed contract or application. 

Any written verification received from the data furnisher. 

All payment history and transaction records used in the investigation. 

Any correspondence between you and the creditor regarding this account. 


If you can not provide documentation verifying the accuracy of these accounts, you are legally required to delete them from my credit file immediately per the FCRA. 

Please confirm in writing once these accounts have been removed or provide me with all requested documentation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

The is in regards to Mr. Coopers loans, my mortgage loan servicer. My loan # is XXXX. 

On XX/XX/XXXX I received notice from Cooper loans that my final payment would be withdrawn in XXXX and once it was made my autopay would be turned off. 

In XXXX, Cooper drafted a full payment of {$2400.00} even though my final balance is {$610.00}. 

I contacted Cooper and their representative said it isnt their responsibility to get an accurate payoff if the payment is automatically drafted. I contacted my credit union and they said that is incorrect, it is Coopers responsibility to withdraw the correct amount.

Coopers representative said I will probably get a refund in 30 days. I said that is unacceptable, they can electronically deposit it if they can withdraw it. He gave me an email address to send the request to along with a voided check. They in turn sent a letter saying theyd research my email and respond in 10 days. When I told them Id contact the CFPB if they continued to provide evasive answers they sent another letter saying they have 30 days to respond. 

Cooper is highly uncooperative and unprofessional to say the least, and I believe they are breaking the law by withholding my refund, refusing to provide direct answers to my questions and evading contact with me.

Cooper has been the subject of several class action lawsuits since they took over servicing of my loan and I have received payouts before because of their illegal use of my funds. Please come to my rescue, the CFPB has helped victims of Coopers business practices in the past.

Thank you
Product: Checking or savings account

On XXXX XXXX, 2019, my husband applied for a loan online and was linked up with XXXX XXXX to process this loan. He was informed that several deposits would be made to his personal checking account and that he was too purchase gift cards, specifically 4 of them, in the amounts of {$500.00} each, with these funds that were being deposited into his account. By the time he realized that this may be some sort of scam, there had been {$2400.00} withdrawn from our joint checking account ( for which the information for this account had not been disclosed. ) We have addressed this issue with the bank and have filed a police report. Our bank will not work with us and is simply stating that the funds were legally transferred from the joint account to my husband 's personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a wrong account " XXXX XXXX '' on my Experian credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company Experian twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company Experian and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a XXXX XXXX XXXX department named " XXXX '' for settlement XXXX calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my Experian credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.
Product: Debt collection

Procollect , Inc XX/XX/year> Amount : {$3500.00} I am disputing this collection account because the collection agency is not licensed to operate in my state of Florida, as required by law. Under the Florida Consumer Collection Practices Act ( FCCPA ), Section 559.553, all debt collectors must be licensed to collect debts in Florida. Please investigate this account and remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XXXX, XXXX, XXXX and XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, XXXX and Experian ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.
Product: Credit reporting or other personal consumer reports

Equifax has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; When presented with correct XXXX report XXXX XXXX  as well as many other accounts are not present. This is because accounts are fraudulent and have been reported and removed. Equifax has failed to investigate accounts and remove accounts and has violated FCRA consumer rights by continuing to report inaccurate information and classifying it as verified or attempting to updated incorrect information that should be deleted
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), 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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX