23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This letter is regarding a dispute with Chase Sapphire and Chase Travel above. On XX/XX/XXXX we traveled to XXXX provided by Chase Travel in the amount of {$6700.00} under XXXX XXXX XXXX XXXXXXXX that was booked online on Wednesday, XX/XX/year>. 

Upon our arrival to XXXX XXXX XXXX XXXX on Sunday, XX/XX/year> we found out there were no reservation made on our behalf by Chase Travel for The XXXX XXXX XXXX XXXX XXXX XXXX. Therefore, we can not stay at that hotel around XXXX XXXX  in the morning with multiple luggage and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We were able to find another hotel with our own out of pocket money while driving around the city for XXXX hour in the taxi and were not settled in until around XXXX in the morning. This was the first issue with the first half of our itinerary. 

On our departure flight back to XXXX on XX/XX/year>, we were not allowed to board and the gate closed because we were told that our luggage would not be allowed to travel with us because the luggage crew left already and were not available at that time. Therefore, we missed the flight and were told standby seats possibly available the next day. We later tried checking with XXXX XXXX and Chase Travel and were told it was our fault for missing the flight. In fact, we were there but the airline luggage crew was not available. The airline declined to allow us to board due to their own operation. We spent hours on the phone with Chase Travel representatives with no help or resolution.

We spent 2 days at the airport and had to book a hotel and accommodation while we waited on our new reservation for the flight home. Due to the issue, we also missed work as well. 

Finally, this could have been resolved during that time with the help of XXXX XXXX and Chase Travel if they were actively involved and try to intervene in order to help us out. However, that was not the case with constant back and forth negotiation until there was no outcome at the end. 

Please see additional documents for the alternative arrangement regarding our return flight home. This includes the new itinerary and hotel information as shown enclosed. 

In conclusion, please dispute the charges and credit the above amount to my Chase Sapphire account ending in XXXX and XXXX reward points used for rebooking flight home earlier. 

Please take this matter into consideration and dispute the charges above. 

Thank you for your time, cooperation, and understanding. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am confused and mad at the same time. I'm really trying to figure out how this bureau is even verifying anything on my report when it is clearly inaccurate!!! Its so inaccurate that XXXX  deleted these items!!! I've reached out several times to this bureau with no response on the investigation. The dates were XXXX, and XX/XX/2020. This is proof of more than 60 days since I sent my dispute when they are required to supply results in 30 days. Please make this bureau comply with the FCRA requirements.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Request for Debt Validation and Cease Communication To Whom It May Concern, I am writing to dispute and request validation of the debt referenced above, as per my rights under 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ). I do not acknowledge this debt and am requesting proper validation, including : Proof that I owe this debt, including the original contract or agreement bearing my signature.

A detailed breakdown of the amount owed, including interest and fees applied.

Evidence that you have the legal authority to collect this debt.

The original creditors name, address, and contact information.

Additionally, under 15 U.S.C. 1692 ( c ), I am formally requesting that you cease all communication with me regarding this debt, except to provide the requested validation or to inform me of specific legal actions. Any further contact in violation of this request will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
If you can not provide adequate validation within 30 days, I demand that you remove this account from my credit report immediately and cease all further collection efforts. Failure to comply will result in me pursuing all available legal remedies. 
Please confirm receipt of this request in writing. 

XXXX XXXX
Product: Credit card

Your Message XX/XX/XXXX : Hello, I made XXXX payments XX/XX/XXXX to payoff my NFCU credit card, and I stopped my monthly auto-bill pay. 3 months later I got a phone call from NFCU saying that they only received one large payment from me. I then immediately made a final payment to pay off the balance. 
Today I noticed a 30-59 day late payment mark on my credit. Please remove this mark as I have paid in good standing for years. 
Thank you, XXXX
Product: Credit reporting

Original complaint filed against this CRA on XXXX XXXX, 2016 under case number XXXX. Instead, of acknowledging the complaint, the CRA sent a standard " boiler point response that they will check with the original furnisher of information ''. In fact, report number XXXX, dated XXXX XXXX, 2016 has XXXX accounts that are listed on the report as : " This account is scheduled to continue on record until XXXX 2016 ''.
Product: Checking or savings account

To whom it may concern : I am disputing 4 fraudulent ATM withdrawals made on XX/XX/2022 from my Chase Bank checking account totaling the amount of {$1500.00} and seeking reimbursement for the full amount.

The 4 fraudulent ATM withdrawal ( s ) that occurred on XX/XX/2022 were as follows : 1. {$60.00} ( not sure what time this occurred ) 2. {$800.00} ( XXXX XXXX  ET ) 3. {$400.00} ( XXXX XXXX  ET ) 4. {$300.00} ( XXXX XXXX  ET ) These withdrawals were made within minutes of each other at an ATM in New York, while I was in California ( where I live/work/reside ) while I had physical possession of my ATM card. 

I noticed the fraudulent withdrawals and contacted Chase Bank by the next day on XX/XX/2022 to alert them of this security issue, cancel my current card, have a new card issued, and dispute the ATM transactions. After 10 business days they have denied my claim despite my having physical possession of the card, and the withdrawals taking place XXXX miles away from where I live. 

I was surprised and disappointed that Chase denied this claim and could not get a satisfactory answer from their claims department as to why. Do they not have fraud prevention measures in place that protects me from excessive transactions being made within minutes of each other from another state and area from which I do not reside nor visit ( ever ). Additionally, is there no longer a daily limit for ATM cash withdrawals?

I am contacting this department to further pursue reimbursement of these funds in full ( {$1500.00} ). Under the circumstances, I do not think proper or just consideration has been observed by Chase Banks claims department with the denial of this claim. I appreciate any and all help in this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by Ally was totaled by XXXX insurance on XX/XX/XXXX. 
Ally voluntarily stopped drafting my checking account for payment. I contacted Ally on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
Ally has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with TransUnion as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 15 total. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Credit card or prepaid card

A friend of mine wanted to sign up for my credit card - the Delta Platinum Skymiles American Express. I sent him the referral link on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX which he used to sign up. He was approved and signed up, I have even seen his card since then. I called several times, including XXXX/XXXX/XXXX and they told me they did n't even see him as a member. He then called to verify his info and opened a ticket XXXX/XXXX/XXXX. He was given a ticket number XXXX and told we should follow up in 6-8 weeks. as of XXXX/XXXX/XXXX, my friend called back in and was told it was still active. I called in XXXX/XXXX/XXXX and was hung up on, called back in and was told that they deemed I did not earn the referral points. I asked to speak to a supervisor and they said someone would call me back, nobody ever did. Today XXXX/XXXX/XXXX, I called in and they said I did not earn the XXXX points because my friend did n't use the link ... which he in fact did use. I asked to speak to a supervisor again and was told they would call me back. I refused that given my prior experience and was put on hold and eventually transferred. The supervisor told me she can not help, that I would have to reopen another ticket that would take up to another 120 days to review and that I should call tech support at XXXX. At this point, I am so frustrated. I have another friend who wants to sign up but I refuse to refer her in to such a flawed system. I have been a member since XXXX and am beyond frustrated. This is for XXXX referral points!
Product: Checking or savings account

USAA likes to find magically ways to charge NSF fees. They will post some deposits the same day but other deposits the next day. NSF charges with most banks are charged the same day a transaction is returned, USAA will charge this fee on a day a transaction was not presented. This time I moved the money to cover the balance needed and instead of them paying the transaction, they sent the transaction back and posted a few the next day. The fee puts the account below the amount needed to pay the transaction of course, but had they posted the deposit as they should before any debits, this wouldn't happen. This is the 2nd time this has happened, oddly enough had an account with another bank and these types of things never happened. Please investigate the unnecessary fees being charged by this bank.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX after I closed on my home XX/XX/2022 the title company sent my Insurance agency a check of {$2400.00} that was stolen and cashed at Bank of America and now the Insurance agency is threatening to cancel my homeowners insurance the bank is XXXX XXXX who Is Handling the fraud case And they are taking too long, that money need to be deposited back into my escrow account for my Homeowners insurance Before I get canceled Here are our list of the parties involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX person in charge at XXXX XXXX XXXX XXXX XXXX Cell XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report despite your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are significantly affecting my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified this account, so I may follow up.

Please also send me an updated copy of my credit report following your reinvestigation.

Thank you for your prompt attention to this matter.
Product: Credit reporting

I recently went in to open a bank account with XXXX bank at the same time I was attempting to rent an apartment. I was taken by surprise when I was denied XXXX. I have been working on rebuilding and establishing good credit for nearly 8 months now. I have managed to get a starter credit card which I use and pay in full and on time each and every month. I also secured a line of credit, adding {$1300.00} to my utilization and having a debt of {$700.00} and an income of {$5000.00} plus Monthly. I have XXXX items in collections for medical bills {$400.00} and a very old credit card that I have disputed tirelessly because I applied for the card, realized they were charging me XXXX fee for a XXXX line of credit and I closed it that very next month. I am now being charged for that fee and refuse to pay as the company was sued that same year for those high fees. That will come of in XXXX anyway but nevertheless was denied removal. I was taken back when I realized that my credit score had dropped nearly XXXX points. This particular score of XXXX came from Experian, I believe when XXXX in XXXX was XXXX and has dropped to the low XXXX and XXXX whom also dropped my score over XXXX points raised it back up to XXXX this week. I have sent numerous letters and have not received much by way of communications. I have contacted an attorney because I feel that they agencies are not doing their due diligence in accurately verifying data as well as managing the livelihood of people fico scores. My daughter and I have been denied a home because of this sudden drop in score, where it should have been increased not decreased. I have a range in scores of a XXXX point difference between all XXXX agencies and I find that very strange as I HAVE NOT HAD ANY CREDIT FOR OVER 6 YEARS. I lived off of cash alone, assuming no debt. The XXXX medical bills and that awful credit card are the only items on all XXXX reports with different dates and amounts as well. I feel this is unfair and inappropriate conduct. In this case the agencies succeeded in keeping a family homeless and ripped to shreds by fear and stress. They must understand the importance of properly upkeeping someones credit history and score as it effects every area of our lives.
Product: Checking or savings account

Chase Account # XXXX Hello, my chase checking account was closed XX/XX/XXXX. Early XXXX, I found out I was a victim of identity theft in which my information was used to file for unemployment. Two of the direct deposits ended up going to the closed chase account. One of the payments was returned back to unemployment, the second payment was applied to a charge off on my account. I spoke with the Chase XXXX XXXX, to inquire on what exactly what the charge off was on my account. Since the charge off was more than 3 years, they do not maintain that information. The fraudulent money has yet to be returned to unemployment and my wages was being garnished by the state of IL due to the overpayment. Chase stated they are unable to give the money back to me or unemployment. Please assist. Thanks.
Product: Debt collection

I believe this is a scam, but have no way to confirm. I was contacted three times by XXXX at Eastpoint XXXX. On all three occasions, she called my employer phone number. 

The first was on XX/XX/2020 and went to voicemail. XXXX left a voicemail, no last name, no company name stating that she needed to talk to me about a " claim filed against me '' and requested I call her back. 

The second was on XX/XX/2020 and went to voicemail. She left another voicemail, this time stating her company name as Eastpoint. Calling regarding the " allegation pending against you in my office '' The third was on XX/XX/2020 and I was able to answer the call this time. I told her that I do not have a unpaid debt. She referenced an upgrade loan in the amount of {$30000.00}. 
I informed her that if it is legitimate, please send official documents to my home address via USPS. She said they already have. I have not received any documents. I informed her that I believe this to be a scam and instructed her to stop calling. 

I do not have a {$30000.00} upgrade loan. I've pulled my credit report and there is no delinquent debt on my account. I believe it is either a scam or they are calling the wrong person. I don't know how to stop the calls and/or resolve the issue.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. When I reviewed my credit report as I usually do, I was stunned to see unexpected discrepancies appear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I deposited a Cashiers Check in the amount of {$25000.00}. The bank made {$5000.00} available but put a hold for the remaining {$19000.00}. The hold is until XX/XX/XXXX. However, I called the issuing bank and they stated that the funds cleared on XX/XX/XXXX. This means that Bank of America has my money but will not release it to me. This is unethical. They are making money off my deposit while I am in debt and have zero financial resources. This is an abuse of their power and excessive to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXX XXXX  Balance : {$650.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 card

This is my second complain against this company. I request all late fees to be refunded due to their faulty interface that causes my payments to ring late even when put on automatic withdrawals. I attempted to fix the issue more than once and have not been able to follow the instructions given due to the faulty system. 

See complaint : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Mortgage

Due to Covid19 my business took a decline and I was unable to make mortgage payments.

I requested a forbarence and in XX/XX/2021 I was told by telephone to resume my payments and the balance I owed would be deferred. That was not true as I did as I was told =, made a payment and thsn recieved notice of forclosure. I called loan service company and requested another forbarence to figure out what was going on with my loan. 

Meanwhile, in XX/XX/2021 I did recieve a letter requesting I accept a derferment, I called to confirm the letter as my prior experience this was not true. When I called, I was told a modification would be a better option. I filled out the modification application which apparently cancels out the deferal request. 

XX/XX/XXXX I recieved notification that modification was denied and was offered options of short sale or deed in lieu of trust. My intention was to always keep my home. 

I am frustrated by the run around and misinformation, I was told repeatedly and only to recieve a response to leave my home.