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

I am filing a formal complaint regarding Chase Banks faulty drive-through ATM ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX ) which caused financial loss due to repeated malfunctions and an unfair deposit discrepancy. 

On XX/XX/year>, aXXXX XXXX XXXX, my husband deposited {$8500.00} into the ATM. The machine froze, did not return the money, and instructed him to call customer service. He called immediately, and they temporarily credited the full amount. However, today we received an update stating that only {$8400.00} was counted, and the bank deducted {$100.00} from our account. 

On XX/XX/year>, at XXXX XXXX, I personally deposited {$220.00} using the same ATM, and the same issue happenedthe machine froze. I went inside the branch, but a bank employee told me : The ATM is just in our parking lot ; we dont maintain it. You have to call customer service. Again, I called, and they refunded the amount temporarily while starting an investigation. I have not yet received an update. 

This ATM is clearly unreliable and frequently malfunctions, yet the bank refuses to take responsibility. Their staff insist that their count is correct, even though the issue stems from the ATM. Customers should not have to absorb financial losses caused by faulty machines. 

This has now happened twice in the same month, and the banks response has been dismissive and passive. I request an investigation into this matter and action to ensure the bank takes responsibility for maintaining its ATMs and protecting customers from financial harm.
Product: Debt collection

Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day one to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that there are unlawful late payments being reported on my consumer report. TransUnioin has allowed the following companies to report this illegal act : XXXX XXXX XXXX Account # XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX The following law states what should be listed in consumer reports. 
Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for My rights as it relates to what is addressed on my consumer report are clearly outlined in the above paragraph. These rights are not being acknowledged by Transunion the consumer reporting agency that is reporting my consumer report.

The following law states what should be excluded from consumer reports.

Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The aforementioned law states that my consumer report should exclude the following : transactions or experiences between myself and the person making the report. 
Credit transaction means a transaction between a natural person and a creditor in which real or personal property, services or money acquired on credit and the person 's obligation is payable in installment. 

Currently these very rights are being violated in the form of what is described as Late Payments, and Payment after charge off/collection.

Pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 that the accounts listed : XXXX XXXX XXXX Account # XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX *Be changed to a status of Paid as agreed or Okay. * You XXXX have aided in the illegal reporting of late payments on my consumer report. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

A letter was sent to R.T.R Financial Service , Inc on XX/XX/XXXX, requesting the validation of the following debt in accordance with FDCPA, 15 USC 1692g : Account # XXXX in the amount of {$990.00}. In my letter I requested, the following : ( XXXX ) A detail description/charges of the alleged debt, original amount and creditor. As of today, XX/XX/XXXX no response has been received.
Product: Credit reporting or other personal consumer reports

I was a member on pinnacle XXXX back in XXXX for a short time in XXXXXXXX XXXX. A XXXX XXXX later, I made the decision to move back to XXXX XXXX to XXXXXXXX XXXX. I made the decision to close my account with Pinnacle and withdraw my remaining balance. After that I didnt give it another thought. I have recently tried to open a bank account and was denied on more than XXXX occasion and decided to take a look at my reports I saw that Pinnacle XXXX  had issued a XXXX XXXX XXXX XXXX against me for the amount of XXXX. I have never abused my account with Pinnacle XXXX and thought them to be a fairly decent financial institution until today. This kind of incorrect information was never sent to me an email or letter. I was never notified of this charge or that it would be put on my credit report and cause me to be unable to get a bank account anywhere else I am furious. I want something done about this immediately.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXXXXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$530.00} XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX about not being able to access all three bureaus report and the error message I was receiving " We can't show you today 's 3 bureau reports. This might mean Equifax has no record of your credit history.

The representative stated that it was an internal data quality issue and that she will submit a form to fix the issue.

I contacted Equifax and confirmed the information they had on file was correct and requested a copy of my report. 

On XX/XX/XXXX, I contacted XXXX again to advised the issues has not been resolved and that I was able to also pulled all three reports from another source. 

I advised that XXXX was the one, whom updated my file with outdated information, incorrect social, addresses and employer. On XX/XX/XXXX I emailed the memberships department as requested the error message and copy of Equifax information showing I had a credit file and my information correct. 

The rep stated the information was updated from a lender XXXX XXXX from XXXX which I never did business with. 

I asked to be reimbursed for they membership fees I have paid from XXXX to XXXX, since I haven't been able to receive the services I am paying for. For they lost time I was able to access all three reports was XX/XX/XXXX and that I have not been receiving monitoring and risk update. 

I was reimbursed for XXXX to XX/XX/XXXX, but was told I couldn't be reimbursed for XXXX XXXX, although I am not receiving the services. 

After speaking with a supervisor, I was advised many other were experiencing the same issue unable to access their reports. 

I explained that Equifax and XXXX has the correct information and XXXX had updated my file with outdated and inaccurate information and this seem to be the issue. 

A of today XX/XX/XXXX, this issue still hasn't been resolved. I have contacted to XXXX, Equifax and XXXX regarding the issue I am having multiple times too only be told by XXXX the case was closed and reopen. This has been the issue since XX/XX/XXXX. 

This has caused so much stress and XXXX.
Product: Credit card

Last summer in XXXX ( I dont have the exact day ) I made a payment of roughly {$800.00} to Navy Federal for my credit card which was intended to bring the card current after being behind on payments. The money was available in my account and the payment was confirmed, then it was returned back to my Navy federal checking account. Because the payment was sent back, it did not register my account as current anymore. In the subsequent months, the card continued to accrue late months and the card was closed. I was unaware of the card closure until XXXX  when I checked my credit report. I stopped making payments again because I didnt know what to do when a card is closed. I was under the assumption that I could no longer make payments on the card. Ive called numerous times about having the card reinstated as it was an error that led to the closure. Ive also asked if at the very least, navy would remove the late payments, but Im always advised that navy does not do this although Ive seen them do it for others. Im currently under some type of repayment assistance and paying down the balance, but because the card was closed, I can not use it. Theyve also reported the cards {$10000.00} limit to the credit bureau so it is registering as I have XXXX available credit for this XXXX card but over XXXX in debt so my utilization has increased to 900 % and my score has taken a XXXX point hit. Ive sent a certified letter to them in regards to the late payments at the very least & requested for my card to be reinstated numerous times over the past year since the late payments are due to some sort of system generated error after payment processing. I am 100 % sure the funds to make the payment were available in the account and the reason for closure was the late payment that eventually led to the account being past due XXXX days. Ive inquired about reinstatement numerous times but Im always told Navy doesnt reinstate cards unless it was their error. This is an instance where it was their error. Either way, I have to pay the balance down, but with late fees, interest and the original principle usage, it will take time to pay it down. My credit score is in shambles because of what the closure did to my utilization. Navy has been an amazing bank to me and I want to mend this but this credit card mix up has taken quite the toll on me.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$5200.00} US DEPT ED XXXX Balance {$7700.00} US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$3600.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$2500.00}
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me : 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. I have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am now XXXX XXXX XXXX on XXXX XXXX still throughout my whole XXXX due to XXXX. I called all credit card companies letting them know my situation of why I wouldn't be able to make a payment until I could get well from being XXXX  and contracting the XXXX XXXX  being put on XXXX XXXX  with a XXXX year old son while I'm extremely sick and unwell. I've always paid early keeping my balance very low. I was assured everything was well and to call and make a payment as soon as I was well. I called twice in two days once I got better and had paid in full to a {$0.00} balance on all credit cards. I asked for the late fees to be taken off and also for it to come off of my report of credit, to no avail did they help me with my credit report, after being told that everything would be fine and to focus on the health of me and mXXXX XXXX XXXX and my XXXX year old. Me and my husband were in the home buying process and with all of these late payments on our credit our daughter is about to be XXXX  and we don't even have the credit to get our home I advised them that I could provide any documentation from Doctors hospitals bank statements anything that they needed and so please contact me to provide anything that they would need to know avail. Please help me. Me and my husband are trying to buy a home for us and our children and we can't because of the hit that my credit has taken is so bad with these late payments I asked them for them to be removed because they said in the beginning that I wouldn't be charged any but I still was if you can please help me I would greatly appreciate it thank you very very much God bless you
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 15 USC 1681. 


Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX XXXX
Product: Debt collection

This company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Product: Checking or savings account

Chase has debited {$600.00} worth of {$34.00} overdraft fees from my account in the past 3 months. Im demanding they return this {$600.00} in fees back to me
Product: Money transfer, virtual currency, or money service

Chase bank is harassing me. I am attempting to use the XXXX function with a business bank account I have. My business name starts with a XXXX XXXX XXXX. Chase bank is trapping me in an infinite loop : ( 1 ) On the Chase mobile app, Chase demands I add an email address to my account in order to use XXXX. ( 2 ) When I add the email address, Chase refuses to go through with the addition of the email address and tells me to use a desktop/PC in order to add the email address. ( 3 ) When I follow Chase 's directive, Chase, on a desktop/PC, tells me I must call them in order to get the email address added. ( 4 ) When I call Chase, Chase claims they have added the email address, but they in fact have not. When I bring this up to the disgusting Chase rep who picked up my phone call, she plays XXXX or pretends she has added it when she has not. ( 5 ) As a result, Chase is refusing to let me use XXXX in any way even though Chase advertises that XXXX can be used with their accounts. I can not even use XXXX with any prior email/phone that appears to be in my account as this may cause entanglement of XXXX transactions with one business account with personal/different business accounts.