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

Chase Bank sided with a credit card customer who created a fraudulent chargeback against my business. Chase Banks decision is apparently final and there is no human at the company who can discuss the matter. Multiple phone calls to Chase resulted in the statement " there is no one who can help you '' and Chase refused to respond to a letter. 

On XX/XX/XXXX, a customer using a Chase-issued VISA ending in XXXX placed an order on my website ( {$18.00} ) for a digital download product. The customer did not immediately download their product, nor did the customer click the " download '' link from their email confirmation. The customer did not contact me ( the business and the credit card merchant ) with any questions about their order or how to download the product. Instead, on XX/XX/XXXX, the customer created a chargeback with the reason " product not received. '' In fact, the product was received : the customer received the location where they should download the items in the order multiple times. 

I disputed the chargeback, explaining that the customer 's reason of " did not receive product '' is nonsense. The customer simply didn't download the product. An apt comparison : Imagine a scenario where a customer in a physical store decides which groceries to purchase, goes to the register and purchases them, and then walks out without taking the products. Then imagine that customer creates a chargeback. That is absolutely no different than what has happened here. Rather than take the groceries out and put them in her car, to complete the analogy, the customer decided to just leave her products at the register and then file a chargeback claim against the business. 

Chase ignored my dispute, and with no explanation they sided with the customer. As a business, I did nothing wrong. The customer 's complaint that they " did not receive the product '' is incorrect. The only issue is that the customer refused to communicate with my business with questions regarding her order, she did not attempt to download her products, and then she created a chargeback claiming they were not given to her. As a merchant, Chase charged me a {$15.00} chargeback fee that is absolutely unwarranted. 

I communicated with the customer after the chargeback notice ; she finally responded to a physical letter mailed to her address. She agreed that the chargeback fee was unwarranted and she wished she had reached out to me prior to filing the chargeback. She has contacted Chase to reverse the chargeback, and she says they agreed, however Chase still has my money. 

Chase bank has taken {$15.00} ( and a transaction fee, so {$15.00} ) out of my bank account. This is not their money by any legal standard. They have no right to take my money. They are the bank of a credit card owned by a customer who didn't click a download link. This is an injustice, and Chase refuses to offer any way of contacting a human being about this issue. 

I want my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccuracies on Credit Report To whom it may concern, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. I respectfully request that you investigate the following inaccuracies, and in accordance with the Fair Credit Reporting Act ( FCRA ), remove or correct the erroneous entries. 

The inaccuracies I have identified are as follows : XXXX. XXXX Account # : XXXX Discrepancy : Incorrect history payment Under 15 U.S.C. 1681i ( FCRA 611 ), I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency must investigate my dispute within 30 days, and if the information is found to be unverifiable or incorrect, it must be deleted.

Additionally, under 15 U.S.C. 1681b, a consumer reporting agency is only permitted to furnish consumer credit reports for certain purposes, including when the information is accurate and when the user of the report has a legitimate business need to access it. If an account listed in my credit report can not be verified or is found to be inaccurate, it no longer meets the criteria for permissible use under this section. Therefore, it must be removed from my credit file to ensure compliance with the law. 

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer 's credit report. If an inaccuracy exists that can not be verified or substantiated, the reporting agency has a responsibility to correct or remove it. Failure to do so constitutes a violation of this section of the FCRA.

Finally, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692e ( False or misleading representations ) and 1692f ( Unfair practices ), it is illegal for creditors or debt collectors to report inaccurate or misleading information to consumer reporting agencies. The failure to correct inaccurate data is a violation of these protections and may result in legal consequences. 

I request that you conduct a thorough investigation into this matter and correct or delete the inaccurate entries from my credit report as required by law. Please notify me in writing of the outcome of your investigation. 

Thank you for your attention to this matter. I expect a prompt resolution in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested. This same account has been removed from my other credit profiles XXXX and XXXX due to this information being wrong and inaccurate please remove this account from my credit profile. The account fingerhut is still listed on my report as well two of the following are both showing on my report how can a debt that is being claimed to be owed showing twice on one report this is against the law remove both reports from my file I did not give written notice or consent.
Product: Credit card or prepaid card

In summary, the case boils down to this : on XX/XX/2020 I paid XXXX ( " Merchant '' ) {$1900.00} for a seminar using my Southwest Chase credit card ending in XXXX " Chase Card. '' Issued by Chase Bank '' ( Chase Bank ''. ) Subsequently, I contracted XXXX and was unable to attend the seminar and cancelled my reservation. As per the merchant 's COVID policy, the Merchant issued a full refund/credit to my Chase Card. The problems begin at this point.

To this date, after my numerous phone calls, emails, and faxes Chase Dispute Department, they have failed to process a refund/credit. I am submitting this complaint to the CFPB with the goal of having my funds returned to me. Please understand between the Merchant and Chase Bank there is {$1900.00} unaccounted for and owed to me. As you can tell from the attached supporting documentation the Merchant maintains the was issued from them. Chase Bank should review their accounts for my missing {$1900.00}, I am certain that an internal audit of their records will prove they are holding an excess of {$1900.00}. In the event that Chase finds the merchant failed to properly process the refund, then the onus of collecting the {$1900.00} falls on Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I owed debts to XXXX for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but trans union still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX OF XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
Product: Checking or savings account

XXXX went into what appeared to be a legitimate business. XXXX XXXX where he said he could provide a intuitive statue custom designed. I was advised that it would be available the following Wednesday and hed provide an address where I could pick it up. The address provided doesnt exist. Reach put via social media. The store is closed. Wrote a letter. On XXXX after no avail to getting either the statue or my money. I opened a claim with my bank. Filed a police report and signed an affidavit attesting to pressing charges. I supplied this to my bank and they have not returned my money. It was sent via certified mail and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  GA XXXX
Product: Credit card

Ive had two old credit card charges recently pop up from LVNV funding. The amounts somehow are way higher than the credit amount was. And the dates are way off. The opening date appears to be after the closing date. Just all inaccurate information all around. 
XXXX XXXX- {$520.00} XXXX XXXX {$290.00}
Product: Debt collection

I moved out from a apartment complex following the proper procedures and never received any information that I owed anything until it popped up on my credit report that it was in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed Experian for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a secured account they had a deposit on the account for XXXX I stopped paying because the interest was crazy the balance was much lower than the XXXX originally put to secure account they kept the balance I should be considered even
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report I do Not recognize. I did Not authorize inquiries.
Product: Mortgage

We refinanced our VA loan through our same mortgage company, Village Capital & Investments, LLC, and closed on XX/XX/XXXX. We paid {$4100.00} to XXXX XXXX XXXX XXXX in XX/XX/XXXX. Village Capital & Investments, LLC then also paid our taxes from escrow. Village Capital received a refund of {$4100.00} on XX/XX/XXXX & we were advised that we would be refunded the duplicate payment. We received {$3400.00} on XX/XX/XXXX. Village Capital claimed there was an escrow shortage is why we did not receive the full refund, even though we had just closed on this loan. They never clarified why there was a shortage. Our current History of Escrow Account Transactions reflects there was a monthly charge of {$130.00} for Service Fee Paid Amt. that was never explained or authorized by us and not included in the final closing document. There was {$1400.00} transaction on XX/XX/XXXX Partial Settlement on Foreclosed Loan that was never explained. Our loan was refinanced not foreclosed. On XXXX, there was a charge of {$1000.00} for refund amount - this entry was never explained or refunded to us. We never received a copy of the closing documents 3 days in advance of the closing as required by TRID. We have made numerous attempts through phone calls to Village Capital, but our loan officer or any other department will not speak with us. The one time we did get someone to speak with us, she asked us to hold so she could check about the Partial Settlement on Foreclosed Loan, but when she returned to the phone, she stated she was instructed not to answer any further questions from us. She stated someone would call us on the following Monday, but no one has called us yet. We have asked for explanations to our questions through emails to various departments at Village Capital, and no one has responded to our questions to explain where the rest of our {$4100.00} went or why we have these charges as stated above on our escrow account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a former XXXX customer. In XXXX, I communicated with XXXX regarding account # XXXX. At that time, I the account balance was approximately {$1500.00}. The account was sold to Southwest Credit ( account # XXXX ), whom offered an approximate {$700.00} settlement. I accepted that settlement and made the payment to them on XX/XX/XXXX. XXXX email, I informed XXXX that the settlement was paid and attached the settlement offer and receipt of payment for confirmation. XXXX confirmed receipt of that email communication and informed me that it would take approximately 30 days for payment to be reflected in XXXX 's records. In XX/XX/XXXX, I reviewed my most recent credit report and Southwest Credit has still listed the balance of {$1500.00} as " unpaid. '' There are no monies due and the account should have been updated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : I have enclosed proof from my XXXX XXXX of it being over 7 years reporting on my credit Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX