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

Chase Bank debit card information of XXXX XXXX was stolen and used at an unknown ATM on XX/XX/XXXX in XXXX XXXX, New York to withdrawal {$1000.00} unauthorized. The debit card information was used again at an unknown ATM in a location in California as an unauthorized withdrawal for {$1000.00}. Owner of card and bank account had not been to either location of the ATMs throughout their lifetime. Owner of card and bank account resides in XXXX Nevada and visited XXXX, CA XX/XX/XXXX- XXXX, XXXX. 

Owner of card recognized the fraudelent charges on XX/XX/XXXX. Unlike other online payments or charges on the checking account - there was no access to further information or ability to flag the transactions for fraud on Chase 's online checking account user interface. 

XX/XX/XXXX XXXX XXXX contacted Chase Bank 's fraud department and reported the transactions as fraudulent. Chase Bank then informed XXXX XXXX the location of the XXXX ATMs. As well as staring that the transactions were made using mobile pay technology on an XXXX XXXX and XXXX XXXX - devices the account owner has never possessed or used in conjunction with their banking or mobile pay. 

XXXX XXXX called multiple times for further clarification on the matter and was given reassurances by Chase representatives that the investigation was open and that the XXXX {$1000.00} charges would be reimbursed to XXXX 's account by XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX received an email from Chase Bank summarizing ( in unclear language that has to be clarified with chase representatives on the phone ) that the investigation has been teased and that no money adjustments would be made to her account. 

On XX/XX/XXXX XXXX XXXX, and her mother XXXX XXXX contacted Chase Bank, attempting to re-open the investigation and get reimbursed. The first call they made they were transferred between four representatives, placed on hold, and then disconnected inexplicably from the call. The second call they attempted they were helped by a supervisor, XXXX, who recognized that a proper investigation has not been held. Particularly because of odd locations which hadn ' been flagged by Chase internally.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. 
I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.
Product: Debt collection

Debt collectors at Iq Data International Inc. called from XXXX. They called my employer multiple times back-to-back and disclosed to my employers that they were collecting a debt. They also disclosed that they were looking for my husband. This was for a medical bill after being screwed by covered California. Trust me, if i could pay it I would. They did not need to disclose my debt to my employers. When I tried to talk to them they were extremely rude and combative. This is wrong and unnecessarily caused severe humiliation and embarrassment.
Product: Checking or savings account

On XX/XX/2019, I was the victim of identity theft. My debit card and personal information was used by a criminal to successfully complete a transaction on XXXX by ways of XXXX for {$1900.00}. I received a notification from my Chase app as soon as it happened in real time and so I called Chase to let them know it was not me. They said they would look into it and to open a claim so I trusted them to take care of it. I did my part by calling them to let them know it was not me however, they did not do theirs by protecting my money. If I was in another state, they will cal you to make sure its not fraud, so why was my situation not treated with the same urgency? The complete authorization was not completed on XXXX end until the next day at XXXX. Almost a whole day went by and Chase allowed it to be successfully completed without notifying XXXX to stop it or intercepting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I received a robocall from XXXX ( voicemail saved ) stating that the company calling has " important document with your name and social security number attached ''. The call back number XXXX, when searched on the internet, gave no credible business information. Additional calls from the number happened throughout XXXX, XXXX, and XXXX. On XX/XX/2021, the caller identified themselves as ARS. A letter was sent to ARS XXXX XXXX XXXX XXXX, XXXX, CA XXXX. ARS responded that it was not them calling. Additional calls from XXXX were received ( voicemails saved ). All were robocalls. In total, I received 11 robocalls. Finally, it was determined that ARS was Atlantic Recovery Solutions ( XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ). A certified letter was sent to Atlantic Recovery Solutions ( XXXX signed return receipt ). No response was received from Atlantic Recovery Solutions. 

On XX/XX/2021, Atlantic Recovery Solutions, called ( voicemail saved ) via robocall stating " This message is intended for XXXX. I am calling with the offices of ARS regarding a legal required notice that needs your immediate attention. Please call XXXX or press one to speak to a live representative. 

The company is not identifying themselves as a collection agency ; the company is using robocalling technology ; the company has repeatedly failed to correctly identify themselves and failed to respond to legally required requests.
Product: Money transfer, virtual currency, or money service

I sent money to a seller for a part for my car and the seller never sent the part. 

CashApp refused to give me a refund of {$100.00}.
Product: Vehicle loan or lease

After repossession of my vehicle, there was a XXXX  State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve consumers of owed debts. I purchased my vehicle in XX/XX/XXXX, and it was repossessed in early XXXX at the height of the Covid-19 Pandemic. 
As you can see in the attachments, Santander settled the case in early XXXX. According to the agreement, my debt was to be forgiven and the account removed from my credit report. Because of what they agreed to in the settlement, this has now become a violation of my rights as a consumer and needs to be corrected within 30 days of this complaint.
Product: Debt collection

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 


MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/2016 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I did not authorize. on my XXXX and Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Mohela Account Number : XXXX I am making this request based on the belief that the securities related to this account fall within the category contemplated in Section 2.05 of Regulation S under the Act. As such, I kindly request that you consider the following points in support of my application for debt discharge : Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation S, which pertains to offerings and sales of securities outside the United States. I request that MOHELA thoroughly assess the eligibility of my account under this regulation. 
I, as surety, do stipulate that if you the creditor does not apply the debtors security ( Promissory Note ) as tender of payment and collection, to the account as paid in full or state that you are disclaiming the tender or were unable to get collection from an insolvent debtor, then I shall be discharged as surety. 

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. 


Properly remit enclosed XXXX form by completing and providing me with a copy so I can properly complete my taxes because all cancellations of debt have to be placed on a XXXX tax form. Additionally, please provide copy and documentation that the XXXX has been transferred over to the treasury. Provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the USA
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The dates of activity are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number : XXXX XXXXThe dates of activity are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX account number : XXXX XXXXThe last reported date is incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account XXXX XXXX. The date last reported is incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number : XXXX XXXX. The date open reported are incorrect and does not meet FCRA. Please delete immediately XXXX XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

Self Financial Date Opened : XX/XX/2019 To who it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify this late payment and if you fail to verify I would ask you to delete permanently from my credit report, I also demand you show supportive documents that you are reporting this item as accurate, showing that its actually been late this is a violation of 15 USC Code 1681 a which violates my rights..
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Disputed Information from Credit Report Dear Sir/Madam, I am writing to formally request the removal of certain disputed information from my credit report. Since XX/XX/XXXX, I have been actively working to resolve these inaccuracies, but despite my efforts, the errors remain uncorrected. 
The accounts in question are listed with the following details : XXXX. Monthly Payment : {$120.00} XXXX. Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Balance : {$10000.00} XXXX. High Credit : {$11000.00}, {$11000.00}, {$11000.00} XXXX Credit XXXX XXXX {$11000.00}, {$11000.00}, {$0.00} XXXX. XXXX XXXX : {$1000.00} XXXX. XXXX XXXX : Late 120 Days XXXX. Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Date Last Active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comments : XXXX. Account XXXX : Dispute resolved ; customer disagrees XXXX. Account XXXX : Subscriber reports dispute resolved - consumer disagrees XXXX. Account XXXX : Consumer disputes after resolution The discrepancies I have identified include : XXXX. High Credit : * One account lists the high credit as {$11000.00}, while the others list it as {$11000.00}. 
XXXX Credit Limit : * One account lists the credit limit as {$0.00}, while the others list it as {$11000.00}. 
XXXX. Date Last Active : * The dates last active are different : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX. Comments : * The comments have slight variations in wording but convey the same overall message : * " Dispute resolved ; customer disagrees '' * " Subscriber reports dispute resolved - consumer disagrees. '' * " Consumer disputes after resolution '' * Additionally, the first two comments do not mention that the accounts were closed by the credit grantor. 
I have taken the following actions to resolve these errors : XXXX. Contacted the credit reporting agencies and the creditors directly to dispute the inaccuracies on multiple occasions since XX/XX/XXXX. 
XXXX. Provided supporting documentation and explanations to substantiate my claims. 
XXXX. Followed up with both the credit reporting agencies and creditors to ensure the disputes were being addressed. 
Despite these efforts, the incorrect information remains on my credit report, adversely affecting my credit score and financial well-being. I respectfully request that these accounts be thoroughly investigated and the inaccuracies be removed from my credit report. 
Attached are copies of my credit report highlighting the discrepancies for your reference. Your prompt attention to this matter would be greatly appreciated. Please inform me of the results of your investigation and any actions taken to correct the inaccuracies. 
Thank you for your time and assistance. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I learned about the Equifax security breach on XXXX XXXX 2017 and the details of the scandal imply that my personal information was breached and is now publicly available. I tried using Equifax 's online tool on XXXX XXXX 2017 to see if I was impacted by the breach, and they claimed I was so I signed up for one of their services. However, now there is news surfacing that I am now newly aware of that they are randomly generating answers for people and not giving actual results. This is improper use of my data, and it is terrible that Equifax was not forthcoming with the results of the data breach. My personal credit is at risk and I do not like being in this situation.
Product: Mortgage

In XX/XX/2024, my loan was sold to the servicer, RoundPoint. My loan currently has an escrow shortage payment plan. After the loan transfer to the new servicer ( RoundPoint ) was complete, I could find no information in their only portal about my escrow shortage payments and if the schedule my previous servicer had given me would still be honored. 

I called the RoundPoint CX line on XX/XX/2024, to ask this question. The rep on the phone, while friendly, was unable to answer my question and told me that that info didn't exist, but if I liked, they could run a report on my escrow, and that should get me the information that I would need, and then could call back if there still was an issue. The report should take no longer than five business days and will be mailed and emailed to me. 

It is now XX/XX/XXXX, and I have received no escrow information via mail or email. So, I got in contact with their CX department again. However, they do have the report, and this is when I learned what they actually did : run a new escrow assessment. Since I was already short on my escrow, they found the same, but due to a new assessment, my short payments were recalculated for a new 12 months. The result of this was utterly overriding and erasing the schedule I was already halfway through and the reason for contacting them. 

Suffice it to say I am upset, and the rep is just talking in circles about how the assessment is finalized, and there is nothing they can do, and also that somehow my taxes increased outside the tax window, so my escrow short amount due was increased. When I pressed them on this, I was offered to call my county tax office as they are just going off the info they have. I reminded the rep that I still have not received any of the information being cited, and I would like to escalate my issue with a supervisor, as I know that there is something more than nothing that can be done. 

Would you be surprised that no manager or supervisor ever joined my call? Well, they didn't. 

As of XX/XX/XXXX, I still have not received any of the escrow assessment information they referenced to me. I did call the county and township tax offices and they confirmed what I told Roundpoint : no taxes had been increased outside of the tax adjustment period, and no tax increases had happened since my regularly scheduled escrow assessment ( that everyone has every XXXX ). I even got a duplicate call back today ( from Tuesday 's request ). So I told this rep this story, and supposedly, a manager is supposed to call me back as they could or wouldn't do anything about an unasked-for assessment or the fact I was to pay more for a tax increase that didn't happen. 

I never wanted to do business with this company, and I have no say in who I am forced to do business with to repay my mortgage loan obligation. No other service or practice behaves this way aside from the government itself. At least I get to vote for my representative with the latter.
Product: Debt collection

This company has only this debt Since XXXX  2023 and they have sent XXXX  -pre legal notices threatening to sue but when i answered their call for the first time, they re first sentence was if this is XXXX XXXX by some lady said to me we are looking to pursue a legal matter against me by some " XXXX XXXX XXXX person. Then when I questioned if that was legal, the call jumped to this " XXXX '' lady. She not only admitted to threaten to sue but starting aggressively asking me about this debt and about how much letters they have sent and calls they made. 

Which I haven't received a call from them and if so it was most likely a robo call where they made a phony # called then ditched the phone #. That's been the extent of my calls lately. 

I told her at the time I hadn't received any letters. She tells me she sent me one through XXXX and like XXXX  other letters. I deny receiving any of them. Then she wants to me to validate my address but again I'm very hesitant on giving that. I ask for proof of debt and who were names I spoke with. She gave me XXXX guy name and her name but wouldn't tell me when the company bought the debt and for much and when. She kept referring me to sign up to their website. 

The call becomes more aggressive and she starts cutting me off when speaking. Telling me you own this debt and really pressuring me into admitting the debt. I tell her I'm not admitting nothing but I feel threatened that the first I speak with you guys is a legal threat. I also question the legality of it. Then she denies legal threat. I tell her I will get back to her on this matter. She keeps pressuring me. We eventually end the call talking about my legal representation and how I would be calling back.
Product: Student loan

Two XXXX  loans originated in XXXX. Entered bankruptcy in XXXX. Ch XXXX in XX/XX/XXXX followed by Ch XXXX in XX/XX/XXXX. XXXX  loans paid in full according to Bankruptcy Trustee in XXXX, XXXX. 

No communication from servicer AES for 5 years. In XX/XX/XXXX received letter from collection company XXXX. Contacted XXXX who explained XXXX loan transferred back to AES. Could not explain why no communication. Advised I needed attorney to address. I informed them would not be spending money on attorney when bankruptcy court sent servicer regular payments, ledgers. XXXX advised loan transferred back to servicer. What is XXXX ' role? To pad accounts w interest, fees, charges etc? 

Contacted AES which stated have two loans remaining with balances due. Loan 1 has balance of XXXX while Loan 2 has balance of XXXX. No statements provided. Documentation received upon my request to AES stops at XXXX. No statements provided after XXXX showing payments made, fees, charges etc. 

While I can easily pay both amounts, the point is these accounts have already been satisfied through bankruptcy court payments. Why is AES now trying to collect on phantom charges? Im receiving letters from AES on an almost weekly basis. 

Letters now stating payment will be late as of XX/XX/XXXX. Ive worked hard to recover from bankruptcy, hope AES wont destroy my credit with their " error ''. XXXX XXXX legacy tom foolery at work? I trust your agency can assist. 

Thank you.
Product: Bank account or service

On XXXX XXXX 2015, JP Morgan Bank deducted without authorization from my personal checking account {$300.00} listed as an ACH payment to XXXX XXXX. I have never authorized any ACH payments from my account. I have never used the Debit card to make a debit purchase in the years I have had the account with Chase Bank. On XXXX XXXX, 2015, another {$500.00} was deducted from my account without authorization as a new ACH payment. On XXXX XXXX, 2015, while depositing checks, I ran a statement of my last XXXX transactions from the ATM and received a print out. I went into the branch and alerted the bank to the fraud. The fraud division at Chase did not answer the phone for 28 minutes even though the call was from the branch. After several calls on the morning of XXXX XXXX 2015, I received the information that anyone with my checking account number and routing number ( which is on the face of every check ) can withdraw money from a person 's checking account in any amount! No written authorization from me, no notice to me of the withdrawal from my account. Nothing. Robbing people 's money at Chase Bank is as simple as taking the account number and routing number and submitting an ACH request to the bank. Is there no surety bond for a party taking an ACH. 
Is there any background check on the party requesting an ACH? I wonder if my XXXX year old mother would recognize an ACH debit from an organization that appears to be a utility bill ( in my case XXXX XXXX ) or an insurance bill ( XXXX XXXX XXXX ). 
This is the easiest method to rob the elderly and the majority of Americans who do not pay attention to their accounts. 

What has government done to stop this looting of accounts? It appears very little has been done. What is the purpose of CFPB if it can not protect the basic checking accounts of citizens. What is XXXX XXXX doing about this looting of accounts by simply submitting ACH requests? Does XXXX XXXX have the personal fortitude to correct this problem? Senator XXXX XXXX fought for XXXX XXXX to be head of CFPB - I am hoping that XXXX XXXX has the personal fortitude to make a difference in this matter and make his parents proud of his actions -- not just of his title as head of CFPB and his salary and benefits.
Product: Debt collection

i have reported harris and harris already because they were calling everyday i dont owe any debts so am not sure who they are calling for now they call let it ring twice and hang up the number is XXXX area code XXXX XXXX please make them stop calling period thanks