23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the CARES act, XXXX Student Loan removed my accounts, then put them back as new accounts causing my credit score to plummet.
Product: Credit card

XX/XX/XXXX I received a statement from my Chase Slate credit card with a {$500.00} charge from Chase Home Lending. I did not authorize the fee be billed to my credit card and have been asking the customer service department at Chase Cardmember Service for proof that I authorized the charge be made to my credit card. 

As of the most recent correspondence from Chase Cardmember Service ( CCS ), dated XXXX XXXX, the company asserts that the charge is valid, but has failed to address the question regarding the unauthorized charge to my Chase Slate credit card. 

Here are the actions which have transpired thus far : 1. XXXX XXXX, XXXX - Called CCS to dispute the fee. 
2. Received notice in the mail that a temporary credit was issued to my account by CCS. 
3. XXXX XXXX, XXXX - received correspondence from CCS with documentation from Chase Home Lending with documentation demonstration the fee was for a home appraisal taken of my home. 
4. XXXX XXXX, XXXX, XXXX XXXX - left a message with XXXX XXXX XXXX, my assigned Customer Service Specialist regarding the charge. 
5. XXXX XXXX, XXXX - Faxed dispute form to CCS stating that I had not authorized the fee charged to my credit card, nor had I received an invoice or payment options from Chase Home Lending for the {$500.00} fee. 
6. XXXX XXXX, XXXX - Left a voice message on XXXX XXXX 's work asking him to confirm receipt of the fax. 
7. XXXX XXXX, XXXX - received a letter from XXXX XXXX at CCS asking us to take the matter up directly with Chase Home Lending as the charge would remain on our credit card. 
8. XXXX XXXX, XXXX - Faxed an XXXX page document with the history of this dispute to the attention of XXXX XXXX asking once again for documentation authorizing the charge to my Chase Slate credit card. 


For the record Chase Home Lending did not send us an invoice for the appraisal fee, nor notified us that the fee would be charged to one of our Chase credit cards. Contrary, XXXX XXXX XXXX XXXX, our lender at Chase Home Lending, informed me there would be no charge for the appraisal fee since I had paid for an appraisal fee in my previous attempt to re-finance my home with Chase. 

Furthermore, the Chase credit card that was charged has been inactive since XX/XX/XXXX, set aside strictly for emergencies. The last credit card mailed to me is still attached to its original paperwork, having never been activated. I received the statement in XX/XX/XXXX and have been disputing it every since. The account, which had a XXXX balance has now accumulated {$82.00} in late fees.
Product: Money transfer, virtual currency, or money service

I want to turn over the cash of cash app stealing money. They allowed {$2000.00} taken out of my account and all they can do is hang up the phone when you call to report it or they tell you it's not there money not there problem. I have reported this to the better business bureau and there reply to them was the same not there money not there problem. I want to file any charges I can to get my money back and I do have screenshots of the emails to the better business bureau as well as to XXXX XXXX XXXX XXXX. The bank still denied my case even after an appeal and more information submitted The transaction took place on XX/XX/2023 at XXXX XXXX  to a XXXX XXXX
Product: Checking or savings account

I contacted Chase bank multiples times and visited some of the branchesaround me to notify of the fraudulent activity in my accounts. I described to them of my XXXX payment that i did not approve as other activities. I tried to put a police report but Chase bank would not provide me with one. I notified the chase employees of my situation, and they did not do anything to provided me with any assistance on what steps I should take. The obly response I received from chase was that they did not what to do anymore business with me. I shows the employees multiple screenshots of the unusual things I was seeing in my mobile banking.
Product: Money transfer, virtual currency, or money service

In early 2022, I helped organize my best friend 's party. No questionable activity happened. After receiving funds from a variety of parties, Venmo randomly permanently banned my account and gave me no recourse to either access the funds in the account or resolve any questions about transactions they were unhappy about. When trying to resolve the issue, Venmo appears to purposefully not provide any meaningful support so solve the issue. I've reached out to support agents, and have opened a ticket number with them, but haven't gotten any meaningful response.
Product: Credit reporting, credit repair services, or other personal consumer reports

spoke with XXXX at XXXX XXXX on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt. I have asked equifax to send me proof and validate this account but they only update the status as account verified but does not send me proof.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address a matter concerning my closed account with XXXX XXXX XXXX  XXXX Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am requesting that XXXX XXXXXXXX XXXX take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of Account XXXX XXXX to reflect that it has been paid in full. The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account XXXX XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

I've been a Bank of America client for over 20 years. Until XX/XX/22 I had three checking accounts opened and in good standing. Two of these checking accounts only belong to me, and the other checking account was a joint account I shared with my husband. 
Yesterday I was trying to use my debit card to pay a metered parking and it didn't work. I called the Bank of America customer service line and they told me that the accounts were closed. I asked the reason for this and they told me, that an invalid check ( or something like that ) was deposited in the joint account. I told them that I didn't know what check they were referring to and that I need access to the money I had in one of the checking accounts that belongs to me. They were totally mean and didn't even listen to my reasons, I couldn't even access the online bank to check on my accounts, nothing worked, and the debit cards didn't work either. The worst thing is that at this point my money has disappeared and nobody from the bank has contacted me to explain anything, in addition, my husband and I have direct deposits in two of the accounts, my husband on the joint account and we don't know where the money is going to be deposited and how we are going to get access to our payroll. The bank clearly failed when they didn't notify us ahead. We didn't receive any warnings about what the bank was going to do and we didn't have enough time to report the situation to our jobs in order to change the direct deposit information. The supposed " invalid check '' was received by my husband in the mail with a letter explaining. This check was supposed to pay initial charges for a job he applied online where they wrap your personal vehicle with advertising of a company and pay you for it. If the bank considers this check as a scam should : 1. Investigate the company where the check came from 2. Avoid any checks that don't have all the signatures on jointed checking accounts to make sure both account holders agreed with the deposits 3. We are the victims in this situation because we are only normal citizens and bank account holders. We are no experts on financial fraud or anything like that and we couldn't differentiate a good check from a bad check. The only way for us to know the difference is to deposit a check and see if the bank considers it a good check. We know banks have the experts to identify illegal or fraudulent documents, even paper money and at the end each account is protected and insured. Bank of America hasn't lost anything here, we are the only victims and the bank is stealing our money.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/ RE : Discrepancy and Billing Issues with Flexshopper - Urgent Resolution Required Dear Flexshopper and XXXXXXXX XXXX in XXXX, XXXX XXXX XXXX I am writing to address a concerning issue I have encountered regarding my recent transactions with Flexshopper. I have reached out to your customer service on numerous occasions, both through phone calls and emails, with no satisfactory resolution. The handling of this situation has left me deeply dissatisfied and frustrated. 
Upon reviewing my bill, I noticed a significant discrepancy. I have attached the invoice from XXXX XXXX in XXXX, Mississippi, dated XX/XX/2023, which clearly shows my purchase with an Invoice Total of {$330.00}. However, Flexshopper 's records indicate a significantly higher amount, which is both inaccurate and unacceptable. 

Furthermore, my credit has been checked three times for a single bill, which has negatively impacted my credit report. This was caused by an erroneous charge on XX/XX/2023, when I did not receive any service due to the unavailability of the tires at the XXXX, Mississippi XXXX location of XXXX XXXX  These issues have caused severe inconvenience and distress. 

I have made multiple visits to XXXX XXXX in an attempt to rectify this situation, which should not have been necessary in the first place. I believe that this discrepancy, coupled with the impact on my credit, reflects poorly on the professionalism and integrity of your company. 

I have attached my lease agreement with Flexshopper innpurchasinf tires with XXXXXXXX XXXX XXXXXXXX # : XXXX, as evidence of the actual transaction. 

I am determined to settle this bill promptly, but I refuse to pay the incorrect amount of {$670.00}. Additionally, I intend to dispute these inaccuracies with all relevant credit bureaus. 

It is imperative that this matter is handled promptly and efficiently, as it is evident that some individuals within your company are not fulfilling their responsibilities. 

I request an urgent resolution to this issue, and I hope that this letter will serve as a catalyst for addressing these discrepancies and restoring my faith in your services. 

Sincerely, Email : XXXX Phone : ( XXXX ) XXXX [ Attachments : Invoice from XXXX XXXX  ] CC 'd : * Corporate Office * XXXX XXXX XXXX XXXX XXXX * XXXX, NY XXXX * Customer Service : ( XXXX ) XXXX * XXXX * XXXX * XXXX * XXXX * XXXX * XXXX
Product: Credit reporting

XXXX XXXX XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I had late payments on accounts that I was never late on. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these were late. 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts and delete the following late payments from my report XXXX, XXXX and TransUnion Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX However, they stated everything was complete and accurate. Even after uploading proof should be deleted, they still remain on the bureau illegally. 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 or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach which has resulted in unauthorized accounts and credit inquiries appearing on my credit report. Under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit file. 
The following accounts have been identified as fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 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 XXXX XXXX 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 card

- XXXX XXXX XXXX I opened the XXXX XXXX XXXX XXXX after an offer was presented while purchasing a ticket on XXXX XXXX. 
- The AMEX credit card offered {$300.00} statement credit after spending {$1000.00} in the first 60 days. - - I was instantly approved and I applied the card to purchase the airline ticket. 
- The requirements needed for the {$300.00} bonus were met. 
- XXXX XXXX, I checked for the bonus and the representative stated the waiting period of 60 days. 
- Today, XX/XX/XXXX, I contacted AMEX customer representative via chat on the mobile application ( copy of screenshot is available ). He stated that the offer is declined. When asked why, he stated There is no specific reason. 
- I also inquired about interest charges of {$12.00}. I paid my statement balance in full. The representative answered I can see you paid in full, but the system wont let me refund it - When asked if he can fix the system, seek help from a supervisor, he stated that a supervisor would state the same. Its the system that wont let him fix it.
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only one listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only one listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in two ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.