23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear CFPB, I disputed a credit card charge with Chase Bank. The dispute process is supposed to protect consumers against rogue companies overcharging and wrongly charging consumer credit cards. However, Chase Bank 's dispute process is merely a machine that fails to ensure consumers are protected. 

In my case, I bought multiple tickets from XXXX for {$3300.00} per ticket, including their 20 % fee. I attempted to sell one of the tickets through XXXX, but the ticket never sold. So, I listed the ticket for sale on another website ( XXXX  ) and it sold almost immediately. So, using XXXX 's automated system, I requested that XXXX transfer the ticket to XXXX  to be delivered to the new buyer. XXXX charged me {$500.00} to transfer this ticket from XXXX to XXXX, so there is zero argument that they didn't know it happened. But, when XXXX transferred the ticket to XXXX, their system failed to remove the ticket from XXXX 's inventory, and XXXX then sold the ticket AGAIN, thereby double selling the same ticket. 

XXXX then charged me an additional {$3500.00} for their computer error ( not removing the ticket from their website ). So, they not only charged me {$500.00} to transfer my ticket to XXXX, but also charged me {$3500.00} for them selling the ticket again to another buyer. There system should have automatically removed the ticket from their inventory at the same time they transferred it from their system ( to XXXX ). 

Chase denied my charge back request because they don't have a process that cares to understand the circumstances. They have a " machine '' to process chargebacks without regard to consumer protection and common sense fairness. 

Chase is a giant multi billion dollar bank and they are supposed to handle disputed items fairly and with consumer protection in mind. But, they don't. And, they should be investigated accordingly. 

Sincerely, XXXX XXXX. Note the XXXX provided docs that I can't even read. And, you'll notice that none of said docs even address my dispute. Instead, they are just a regurgitation of their contract. But, they don't even touch on the glitch in their automated system that didn't remove my ticket from their inventory after they transferred it. It's an automated response by XXXX, and Chase just accepted the non-sense and didn't refund my {$3500.00}. It's unfathomable.
Product: Credit reporting or other personal consumer reports

Violation of My Consumer Rights!!!

This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Also {$1000.00} for each Violation commented 15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 



This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX15 USC 1681c-2 ( a ) XXXX : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
XXXX. XXXX15 USC 1681iXXXX : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

XXXX. XXXX15 USC 1681e ( b ) XXXX  : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
XXXX. XXXX15 USC 1681g ( a ) XXXX : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 
XXXX. XXXX15 USC 1681mXXXX : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 
XXXX. XXXX15 USC 1681nXXXX : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 
Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 


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 card or prepaid card

THIS IS NOT a DUPLICATE COMPLAINT!!! Do NOT CLOSE! 

READ below! 

We filed a complaint in XXXX and in the time it took Genesis to respond90 days! There is NEW information and concerns! 

We were told on the phone with Cfpb to file a new complaint as we could not add info to the original complaint! 

We have had multiple issues with Genesis. 
Before the first payment was due we called them to change the due date to a day of the month that would work better for us. 
The representative said it was changed. 
Then a few weeks later we received a letter that our account was past due and we had a late fee. 
I called Genesis back and they indicated the representative gave us the wrong information. 
Fast forward to XX/XX/22. I was offered a settlement by email to settle the account for half but it must be done/paid by XX/XX/22. I called and spoke to a representative and supervisor to ask if I could do this on or before XX/XX/22, they indicated it couldnt be paid any later than XX/XX/22 but said we may get another offer. 
On XX/XX/22 we received an offer that if we paid {$810.00} the account would be brought current. We paid {$810.00} on XX/XX/22. The account was not brought current. We called Genesis and they had no recollection of the letter. I filed complaints with the credit bureaus and Cfpb. 
On XX/XX/22 Genesis waived two late fees and brought the account current for the month of XXXX. 
They never brought the account current on their website. 
On XX/XX/22 they sent us a letter by us mail that they were going to then change our minimum payment from {$2000.00} to {$350.00} a month starting on the next billing cycle. They didnt honor this either. This never happened. 
On XX/XX/22 they indicated in a letter to Cfpb that they had sent the original letter regarding the {$810.00} in error. 
How am I as the consumer to know this letter was sent in error and not that it was an actual offer? Seeing as they told me the first week of XXXX that I may get another offer. 
How many other consumers did they send letters in error too? 
Why did they notify the credit bureau that it was current but not bring it current on their site? 
How many times do they get to make errors at the expense of the consumer? 
Another interesting fact is they report to the credit bureaus as the XXXX XXXX XXXX  but the letter to Cfpb says the bank is XXXXXXXX XXXX. 
Who is the actual bank?
Product: Credit reporting or other personal consumer reports

negative score due to incorrect information, XXXX to update info
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute
Product: Credit card or prepaid card

Comenity XXXX XXXX credit card. Originally made payment due XX/XX/XXXX - they received it XX/XX/XXXX and posted it on XX/XX/XXXX. They charged {$28.00} late fee and {$1.00} interest. Argued with them via phone. I closed the account and issued payment thru my credit union bill pay system to get them out of my life forever. Check went out XX/XX/XXXX. They posted it to my account XX/XX/XXXX. It was due XX/XX/XXXX. They charged YET ANOTHER {$28.00} late fee AND {$1.00} interest. Called today to complain XXXX. They could not remove the charges because the account is CLOSED! I  told them I would not be paying this charge EVER and this is some kind of predatory practice on their part. I am not responsible for when they decide to open the envelope with my check and post the payment and I can not believe that it took more than 5 days for my check to get there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on disability. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing disability checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a teenager that I gave up for adoption. It is not ok that the people I work with find out this way.
Product: Credit reporting or other personal consumer reports

It has come to my attention that items are not being removed despite being submitted with an FTC fraud report # XXXX. As a victim of identity theft, this is another request for the removal of remaining accounts from my credit file resulting from alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items not later than 4 business days after XX/XX/2023. I have previously addressed this matter in my prior complaint and am reiterating it here with a new FTC report # XXXX. Furthermore, the information provided on these accounts is UNKNOWN to me and has been REMOVED from other bureaus, casting doubts on their accuracy. The remaining accounts for removal are listed per bureau : -- -- -- -- -- -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
Product: Credit reporting or other personal consumer reports

3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only Experian continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like Experian to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.
Product: Credit reporting or other personal consumer reports

I believe compliance with FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies, causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Puget sound collections on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from Puget sound collections XXXX removed all and XXXX only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru XXXX XXXX and they still will not remove. Puget sound collections agreed and promised removal so I would like the remaining 5 Puget sound collections accounts that is reporting at XXXX balance and open on XXXX to be removed like promised. 

I also have another account with Puget sound collections for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru XXXX customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru XXXX it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and fradulent accounts that are on my credit reports. It has been over 45 days and I have not received a response from the credit bureaus. At this point I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) clearly states that failure to investigate these items in 30 days gives a reason to immediately remove these items from my credit reports. It has been over 45 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten my info into the hands of the wrong person. 
The accounts I am referring to are : XXXX XXXX XXXX {$0.00}, XXXX {$5700.00}, XXXX XXXX XXXX  {$2300.00}.
Product: Credit reporting or other personal consumer reports

I had a closed account with a XX/XX/XXXX associated with Synchrony Bank. My payment was past due in XXXX. It was brought to my attention by my ex-fiance. On XX/XX/XXXX I made a payment, added my new bank account, and was approved for a settlement to make payments to close the account. The payment did not get charged to my personal checking account. I had the opportunity and time to contact Synchrony about this situation on XXXX XX/XX/XXXX. I am currently XXXX and my time and the time zones are difficult. I was able to speak to someone on the phone to explain the situation. They said my account information didnt transfer over. Since they didnt transfer and the payment did not get charged, even though I agreed to the payments, nothing was in writing to call to make a payment, the card is defaulted. They said they can still honor the settlement. I filed a complaint within Synchrony bank due yo their business practices of losing my bank information, defaulting the card, and not notifying me of any issues. Miraculously a letter is generated in 3 hours, sent to my email, and mailed out to me, stating my account is defaulted and no payments can be made on the card. Now my credit score is affected due to their oversight and correcting their process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : 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

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$150.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May Concern : I am requesting that the following items be immediately investigated. Please delete this misleading information to show my true credit history. According to the provisions of 1XXXX XXXX XXXX section XXXX of the Credit Reporting Act of XXXX, XXXX demand that the following items be re-verified and deleted from my record Addresses phone number names XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYED XXXX PERSONAL STATEMENT ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 
Under federal law, you have 30 days from receipt of this letter to re-verify these entries. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Product: Credit reporting or other personal consumer reports

I have try to find a common ground on a dispute with Experian and also requested on reinvestigation with Experian and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent XXXX a 1099C and they never responded as well. At this point I'm not getting any answers from EXPERIAN nor XXXX XXXX XXXX. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my Experian consumer report.
Product: Credit card

I just called Wells Fargo bank Personsl Line of Credit. Tried to make a payment of {$360.00}. XXXX XXXX was rude and would take my payment.
Product: Debt collection

Hello, XXXX XXXX sold my debt to LVNV Funding LLC. I received a letter from XXXX XXXX after filing a dispute that the account should not have been in collections and as a result they removed trade line from my credit. They also stated that I should reach out to LVNV Funding to explain and provide the letter so that they can cancel the trade line. LVNV refused to acknowledge what happened and refused to do anything about it. I would like for the LVNV to remove the trade line off my credit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a citi gold account in XX/XX/2019 and I have referred 18 people to open the checking account. For each referral, I was told I will get {$200.00} bonus. So far I only received 17 bonus and I am missing another {$200.00}. The banker has confirmed I would receive 18 bonus back in XXXX Last month, I have contacted the banker who opened the account for me but no response so far. Below is the banker 's info : XXXX XXXX, Personal Banker NMLS # XXXX Citibank XXXX Branch XXXX XXXX XXXX XXXX  XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX
Product: Credit reporting

I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Product: Student loan

SIGHTING ALL IN ACCURACIES WITH ACCOUNTS ON MY REPORT AS WELL AS THE LAWS CORRESPOND. REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED 'NON MAILABLE'- PRIVACY ACT 1974. REMOVE ALL CHARGES OFFS. CHARGEOFFS ARE ACONSIDERED A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND IT MUST BE REMOVED. REMOVE STUDENT LOANS FROM CREDIT CONSUMER REPORT PER THE FAMILY AND EDUCATIONAL ACT OF 1974. ITS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE PROMOTIONAL INQUIRIIES SUCH AS PREAPPROVALS AND ETC. THE RIGHT TO OPT OUT 15USC 6802.