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

I bought XXXX tickets on XX/XX/XXXX in the amount of XXXX. I used my Chase debit card. But XXXX XXXX got worst and our safety is my priority. I requested for cancellation and get my Refund. I even purchased a protection plan in the amount of {$290.00}. I disputed a claim and submitted the supporting documents for both and CHASE CLOSED the case because of its almost two years? According to the merchant Asaptickets they did the refund but according to Chase they didnt receive on their end and the card that I used is not even on my profile?, and not even a closed card? How could it be? This is my earned money and saved it. Please help me to resolve the issue. I attached the message from CHASE BANK and XXXX. Thank you for the assistance. Much appreciated. 
Sincerely, XXXX XXXX XXXX XXXX FROM XXXX  : In regards to your refund for booking XXXX From XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX Dear XXXX, Hope you are doing well. 
On XX/XX/XXXX, the credit was reversed back to the issuer and they accepted Network Accepted XX/XX/XXXX XXXX PST Decision Final Issuer Accepted Account number : XXXX Amount : - {$3200.00} It is better that you provide them with the full CC number, Per the letter attached, your bank doesn't see a card ending in XXXX associated with your account. 
Looking forward to hearing from you. 
Thank you. 
Sincerely, XXXX XXXX XXXX  Special FROM CHASE BANK : Sent XX/XX/XXXX XXXX XXXX From Chase Online Subiect Re : Account inquiry Delete Reply Dear Retail Claims Customer, We have received your request and reviewed your claim. 
Your claim iS : Claim # : XXXX Claim Status : Closed Additional information : I ve check the account for the amount XXXX and I do not see that amount to be refunded. Once thing I did notice is the card used ending in XXXX is not on your profile even as a closed card. 
If you have any further questions please don't hesitate to reach out to uS. 
Thank you for choosing Chase.

Sincerely, The Retail Claims Team
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach and according to 15 usc 1681 my rights to privacy have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested this be investigated w/ Experian over THREE times. They have continued to list ALL of my Student loans as " PAID ''. They were NEVER paid. They were never due. They were never late. They were never past due. 
Before being due, they were MEDICALLY DISCHARGED. They do not belong on my Credit Report. Again, they were never paid on, therefore they're NOT a credit report item. 

Yet they keep on lying and saying they've " verified '' this. 

No, XXXX already told them it was medically discharged. 

Never " paid '' on, never late, never due. Doesn't belong on my CR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of The Home Depot at least 5 years, in good standing. However, I received a letter in the mail dated XX/XX/2018 stating that my account was now closed ( i.e., the entire {$140000.00} credit line ). Within a week or so of receiving this letter in the mail I called The Home Depots credit department to inquire a little further, because the reasons provided in the letter for the most part did not correspond to the actual findings in my credit bureau profile with XXXX. At that point I was informed that the card was actually closed due to inactivity. However, the letter I received from Home Depot said nothing about inactivity being a factor. The letter only referred to information that they received from XXXX XXXX XXXX XXXX. I then asked The Home Depot representative if my card can be reinstated, since it was just recently closed for inactivity, as I was indeed going to use for home improvements that I had put off for a little while due to among other things a very hectic schedule in my household, one of which included my pursuing and completing my XXXX just recently. 

The representative informed me that there is NO WAY my account could be reinstated, and that I would need to reapply for credit. I was also informed that I should take the issue up with XXXX regarding the information in my credit profile, which is what they also used to base their credit decision. I informed The Home Depot representative that I was so perplexed about the reasons they listed on the letter they sent to me that I signed up with XXXX XXXX  to assist with this issue ( among other things ). The paralegal from XXXX XXXX was also perplexed about the reasons the Home Depot stated in the letter ( e.g., insufficient length of credit history, number of accounts with delinquency, and so on ) because it did not correspond with the information they reviewed on my XXXX credit profile. Additionally, the XXXX  representative also informed me that the reason the information did not match was because there was another individual with the middle name XXXX ( my maiden name ), but with the same first and last name as mine, that may be causing the discrepancy. The representative than informed me that he will notify The Home Depot to inform them that my account should not have been closed ( or something to that affect ). Then I discovered that there was another odd entry on my credit profile from The Home Depot ; So not was my account that was in good standing that was in good standing completely closed, but The Home Depot included an entry on my credit profile that stated the following : Affected by Natural or Declared a Disaster. Therefore, at this point I have decided to reach out to the Consumer Financial Protection Bureau to determine if there are any Fair Credit Reporting Act violations that I would need to have investigated with regards to this matter.
Product: Checking or savings account

I received a letter from Wells Fargo Mediation several weeks ago, I replied requesting a refund of remaining fees charged to prior accounts, opened as a result of Wells Fargo high-pressure sales tactics ... The fees totaling XXXX, are overdraft fees .To date, I have not received an official response to my request..I received an email on XXXX from an XXXX XXXX with Wells Fargo Claims in regard to my mediation submission, requesting I call her. As explained in my email reply, I currently do not have a phone, I further explained the reason for my refund request of fees and complaints filed prior with CFPB. She replied back asking me to go to a local branch to call her, I replied stating I do not have a branch near me and requested an account of fees in order to work out a resolution via email, I closed stating no refund at all is unreasonable and no reason to discuss it over the phone, she did not reply as of yet ... It appears she was not able to offer any kind of settlement, I hope I am wrong ... I emailed her back today on XXXX, to follow up.. I received a reply via CFPB today, XXXX, to prior complaint filed about issue of fees charged to prior accounts and accounting of them. The reply states Wells Fargo stands by prior decision not to refund which is unfortunate as there is currently an investigation by one ore more law firms into charging of overdraft fees by several banks, including Wells Fargo. If Wells Fargo will not work this out directly with me, I can assure them I will get some sort of refund through any settlement which arises from investigation. I am still willing to work with XXXX, I do not have a phone to call her currently, I have been without a phone for several weeks..If she can provide me a offer of settlement via email, I will gladly take it into consideration and reply ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Always had perfect payment history never Gad a late payment, they had an issue with the auto pay and never notified me of anything until they reported late payment and when I called to dispute they said they will remove it and never have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit inaccurate information. They are reporting my balance is {$23000.00}, when in fact my balance is {$22000.00}. They are also reporting I have two missed/late payments, this is inaccurate and the dates are XX/XX/2019 and XX/XX/2019. 

I have sent letters to the company and disputed the information numerous times.
Product: Checking or savings account

On XX/XX/year> my debit card was charged {$52.00} from XXXX XXXX. I immediatedly told the bank that this was noit a vbalid charge anbd disputed the charge and ordered a new card. They claim that they were able to prove I made the charge and refrused XXXX refund the money. They also refused to provide me with any proof of why it was a valid charge. I even reached out to0 XXXX  and they state they cant find the charge evcen throughh i provided them with my banbk statement
Product: Debt collection

I pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.
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 XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 My phone was phished by calling XXXX XXXX  to discuss why my bank transfer from Washington Federal Bank had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband  XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my XXXX XXXX had XXXX purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX  with them trying to add {$750.00} to my XXXX XXXX account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in XXXX I had a money balance on my XXXX XXXX account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons Washington Federal Bank account and moved XXXX to my Washington Federal Checking account where they then were able to add XXXX dollars to XXXX XXXX  @ XXXX at that time they sold the XXXX  on XXXX XXXX for XXXX. There was another attempt to add XXXX to XXXX XXXX  which was declined and marked as fraud by XXXX XXXX @ XXXX XXXX  after that they cashed out XXXX to my XXXX  account see attached photos. at XXXX XXXX  they made another attempt to add money to XXXX XXXX for XXXX which failed. At this point the money was all gone from mine and my son 's Washington federal accounts and XXXX XXXX and was all moved to my XXXX  account see attached photos. Meanwhile they were doing the same thing in XXXX  they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX XXXX XXXX XXXX. At XXXX they moved the XXXX from XXXX XXXX to XXXX, at XXXX XXXX  they sent XXXX to XXXX  XXXX then again @ XXXX XXXX  they send XXXX to same person leaving {$5.00} left in my XXXX XXXX account. At which point I saw all the transactions and immediately started online fraud cases with XXXX XXXX and Washington federal. I called all 3 as well to inform them of what was going on so that they could freeze my accounts. 
XXXX XXXX has opened 2 cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from Washington Federal and XXXX XXXX. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Product: Credit card

I accidentally closed my Chase Hyatt Business Card ending in XXXX on XX/XX/XXXX. I immediately realized I had closed the wrong card on the same day. I called Chase automatically to reinstate the card and they needed to process it. Later on, they told me they need to pull my credit report. Unfortunately, Chase had an issue with the " back-end '' system as a representative named XXXX told me so they couldn't pull my XXXX report . He needed to create a ticket to escalate it. At this point, I was concerned since the first rep had told me I had 30 days to reopen or reinstate the card. However, he decisively mentioned on the call I had 60 days to reopen it. At this point, this back end issue on Chase 's end took the next few weeks to resolve. When they finally pulled the credit, I talked to a woman who said she had done the reinstatement and they just needed a final team to confirm the balance and it should be reinstated within the week ( week ending in XX/XX/XXXX ). Yesterday on XX/XX/XXXX, I spoke to a supervisor named XXXX and they told me they could not reopen the card since it was past 30 days! Every rep I had talked to prior to him said I had a 60 day window which I am still under. This is disingenuous and false information given by Chase across this reinstatement. Especially when the length of time was due to Chase 's backend problem and none of mine. This does not fall under proper reporting and customer disclosure under the regulations and FCRA. I am asking Chase to reinstate that account to properly resolve this situation. I had talked to over 30 different reps all giving varying amounts of information.
Product: Credit reporting

The company Trans Union had a system glitch that has violated the rights of their consumers under section 6.11 As a result I have been gravely affected and my score is suffering as this glitch result.No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX Date XXXX/XXXX/2016 XXXX- XXXX XXXX XXXX/XXXX/2016 XXXX -XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, XXXX, and TransUnion investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of XXXX  and XXXX  and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked and remove. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!