23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Dispute Resolution and Customer Service Concerns Chase Bank Customer Service, I am writing to express my profound disappointment and growing distrust in Chase Banks ability to honor contract agreements and prioritize its customers. My recent experiences have left me questioning the integrity and competence of your dispute resolution process and the commitment to customer service that I once valued in my long-standing relationship with Chase. 

For years, I have been a loyal Chase customer, utilizing both personal credit cards and banking services without issue. This loyalty extended to my professional life when I opened a business checking account and business credit card with Chase after XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX However, my recent experiences with your dispute resolution process have severely tarnished my trust in Chase. 

I initiated two disputes with Chase regarding issues with merchandise purchased through my business account ( account number ending in XXXX ). The first dispute involved non-receipt of merchandise, confirmed by the delivery company as delivered to the wrong address and signed for using their name, not mine. The second dispute concerned merchandise that was not as orderedcompletely different from what was documented on the invoice. 

Despite notifying the vendor within minutes of delivery and requesting return labels, I encountered significant resistance and non-cooperation. Efforts to resolve these issues directly with the vendor failed, leading me to file disputes with Chase. 

I proactively followed up with Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. After receiving an email from Chase stating they needed more information, I called and provided everything requested. The email instructed me to call, not that I was restricted to responding by letter. During these calls, I provided all necessary information, including delivery confirmations from XXXX and detailed descriptions of the items ordered versus received. I was assured by Chase representatives that my cases were documented and no further action was required on my part. 

To my dismay, I later discovered that both claims were ruled in favor of the merchant because Chase did not receive a written response from medespite being told that my phone conversations sufficed. This miscommunication and mishandling of my disputes represent a blatant failure to correctly manage legitimate chargebacks supported by invoices and shipping documents. 

This experience reflects a severe lapse in Chases customer service and dispute resolution process, unfairly placing the burden of mistakes on customers who trusted the bank. I urge Chase to reconsider these disputes with the evidence provided and to take immediate action to rectify these issues. 

I hope for a swift and fair resolution to restore my faith in Chase Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Student loan

I have been trying to work with navient about lowering my payments, but they have offered me no other option but to go into default because I can not continue making the payments. I have found a company to help me refinance the loan once it defaults. The problem is that the navient keeps calling me several times daily, even though I have told them about my problem and that I can no longer continue to pay them at 14 % interest rates, which they keep increasing with no help. So I would like them to stop contacting me. But they continue every day into the evening, several times during the day. I tried to work it out with them but they offer not support so I am having to do this as the only solution to deal with this predatory private student loan.
Product: Checking or savings account

I signed a waiver to opt out of the bank paying for purchases whn the funds are not available. Wells Fargo allowed an XXXX charge for {$10.00} be paid with only a {$1.00} in my account. I have another checking account now Wells Fargo is charging me {$35.00} for a {$10.00} charge that should have been decline
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the XXXX of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.
Product: Mortgage

IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. 

ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? 

XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, Equifax & XXXX XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES. 
( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/23, charges I did not make or authorize posted to my account in excess of {$770.00}. I contacted Citicards numerous times to dispute these charges, however, they refuse to remove them. They keep responding to me with claims that they " investigated '' the matter, that I'm responsible for the charges, etc. They also asked me to send documents! Sorry, but I have no documents because these charges are not mine and I didn't make them! Citicards also claims the charges were for airline tickets which were " used, '' however, they were NOT used by me. Furthermore, one of the tickets is in a name I don't recognize. I have disputed these charges repeatedly to no avail. I'm not paying for charges I didn't incur. This is my final attempt at an amicable resolution before taking the company to court.
Product: Credit reporting or other personal consumer reports

I have attempted on many occasions to repair my credit even joining Experian credit repair program, requesting my credit report and other credit reporting agencies such as XXXX XXXX or through my bank portals XXXX  and XXXX XXXX. 
To this day no matter the disputes filed with credit agencies such as XXXX, primarily experian and XXXX. There have been no changes or updates. I cant get approved for credit. I feel discriminated against. All my attempts are not considered or resolved. I find that all three of these credit agencies are scamming people into becoming members of their repair agencies in the guise of credit repair and only collecting membership fees with no real intent to improve those ratings, statuses or information that has been collected and used inaccurately. I am consistently denied any actions on my disputes or the information is inaccurate old and worse completely false. My credit score should be so much higher and yet it reflects items that have been paid that state charge offs collections and lack of credit. Which how can you disapprove someone for lack of credit yet deny them the opportunity to obtain it.

I deserve the right to have fair and equitable opportunity for credit whether it be through a loan, credit card or any other form. And I have also reported that my identity was stolen no investigation was made and no resolve of the matter either. I understand you are suing the credit agency. I believe that is absolutely the best form of action at this point because they
are not doing anything for us but denying us our fair and equal rights to credit. They are in fact discriminating against us with their inaccurate reporting and lack of accountability for what is being requested as citizens. Please continue to move forward with your attempts and actions and know the public agrees with complaints and attempts for accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON   XXXX /17 a nd  XXXX /17,  two d ifferent lenders attempted to retrieve my Equifax credit report but was unsuccessful due to some type of fraud alert. I have contacted them on both occasions, provided case number and on the last call, was hung up on by the rep when requesting to speak with someone regarding this.   XXXX  Advised that all information needed to be updated so it match and there was no issue in retrieving, although sent in  one 3 prior o ccasions in the past 6 months but was refused.
Product: Debt collection

XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation. 
15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX Accnt : XXXX XXXX Late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : 7 late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 8 late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 5 late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX 9 late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Preferred lease 5 late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

LVNV FUNDING and Resurgent ( which I believe are connected ) have been on my credit report for quite some time. I never received anything stating who they were, how they were connected, or to which accounts. I do not see full account numbers on my credit report and don't have a way to verify anything. I sent debt validation requests to which no response has been made. I finally sent an offer to settle with LVNV just to get it removed from my report. It is hindering my credit score. However, there has been no effort on their part to respond to me.
Product: Credit card

Citibank Costco VISA is overcharging me for the amounts of {$140.00} and {$310.00}. These are Citibank charges, not a merchant. Citibank applied these as " Reverse '' charges, but never had issued a temporary credit for these amounts. The {$140.00} charge was on my XXXX XXXX statement, and the {$310.00} charge was on my XXXX statement. I had a dispute case open, but Citibank stated it was resolved without removing these charges. They provided a letter with the statement of resolution that contained an audit report that clearly shows this is still an issue. In addition, their customer service is terrible. I have made nearly a dozen phone calls to their customer service number. Each time I must spend approximately 20 minutes explaining the situation. I have discovered these are agents that can only send a message to the billing center, they can not resolve anything. Their supervisors have no authority either. I have sent several letters and emails directly to the billing center and have never received a direct reply. I only received a letter that says the dispute is resolved, allowing me no opportunity to interact, explain, or question the process or results.
Product: Debt collection

On my credit report there is an auto loan from XXXX XXXX that I no longer have a vehicle in my possession from XXXX  also I am being called by United Credit Bureau collection daily for collection that I do not owe
Product: Debt collection

In XX/XX/year> I reside at XXXX XXXX XXXX  and moved out using " Notice of Termination of Leas For Health and Safety Noncompliance by Landlord and sent all supporting documents via Certified Mail to Genesis Debt Collections and XXXX XXXX XXXX. a couple of weeks later Genesis Debt Collections CLOSED out that Collections and reopened the same Fraudulent claim this time using their LLC DBA Columbia Debt Collections for the same Fraudulent Claim. Columbia appears to be running a Collections Scam using both Genesis Debt Collections and Columbia Debt Recovery LLC DBA, also Columbia Debt Recovery to run the same Fraudulent Collections Scam.
Product: Credit card or prepaid card

I disputed a charge back in XX/XX/XXXX. Ive been back and forth with AmEx for 6 months now! Finally on XX/XX/XXXXXXXX  they agreed to refund my money. See final letter attached. Here it is almost two months later and AmEx has never sent the money. Each time I call them I get a person that barely speaks English and they promise the refund will be on my next statement. I would expect such horrible service from XXXX  XXXX but never Amex. This is simply a disgrace!
Product: Checking or savings account

On XX/XX/22 at XXXX at the 1stBank located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I withdrew {$500.00} from their ATM and only received {$490.00}. Of the XXXX - {$20.00} bills I received, XXXX was a {$10.00} bill. I went inside the bank and reported that I had been shorted {$10.00} in the transaction. I filed a report with the customer service representative and was told they would audit the ATM and contact me the next XXXX XXXX XXXX later I still had not heard back from them so I filed another complaint online. I received a letter dated XX/XX/22 from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that they denied my dispute because the transaction was successful and the ATM was in balance. My dispute with them was that the machine dispensed XXXX bills of which XXXX were {$20.00} XXXX  bills and XXXX was a {$10.00} bill. Naturally the machine would be in balance if it is only counting the number of bills being dispensed. I could care less about the {$10.00} they cheated me out of but it is the principle that matters to me. They need to scan every bill being dispensed or this can happen again to some other unlucky customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called in numerous of times and have also mailed in each document I have been asked for. There are unauthorized and unverified inquiries on my credit report that I didnt do
Product: Debt collection

Hello XXXX capital sent me a notice of garnishment of my paycheck. That's the only notice I received for an old account with XXXX XXXX. I did reply to them I left messages as well mailed and faxed over to response 2 days later. I also called back and asked of they received my fax. They said yes someone will contact you. Months went my no reply. Them in XX/XX/2023 I get another letter stating garnishment will start. I called the them on Monday XX/XX/XXXX I believe amd they told me I have to pay this I have no choice but to pay this or the garnishment will move forward. the rep was demanding that I have to pay unless I want my pay garnish I have no choice buy to pay this. So I paid it because I didn't want my job knowing my business nor monies deducted. So my hands were tied.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

US DEPT ED # XXXX XX/XX/year> -- {$500.00} TU UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I got the attached anonymous email from XXXX 's Chex Systems after I emailed them. They are being wholly evasive as to why their webportal did not/does not permit me to dispute what XXXX XXXX bank XXXX claiming is multiple, ( mysterious illicit ) " debit enquiries '' creating an unwarranted Chex Systems report on me. There should be no Chex Systems report on me at all.Chex Systems need to respond to the points herein and clear my name from their system or attach my Chex Systems report to their CFPB response and divulge the identity of whoever generated these mystery " debit enquiries '' and verify they are legitimate and were triggered by and authorized by me, and that their score they assigned me based on them, is legitimate and not disparate. I did not authorize them or, to best of my recollection, apply for any bank account except XXXX in recent years. 
Their email is deceptive in that it pretends I am not a verified user of the Chex Systems portal. 
As I already as stated in the attached XX/XX/2023 email to them, I signed up on their portal and verified my ID, which their portal acknowledged last week. 
I also on the portal requested my file last week and placed a freeze. Both of these facts were acknowledged and the portal stated that my file was en route to me by XXXX along with a freeze pin. This was last week. Nothing in my mailbox thus far. 
I then understandably tried last week to also switch my preference as to how to receive these documents, to online delivery, ( portal ), clicking on the portal button to change my preferences. I was dismayed to be rejected from that too, it demanded the pin that is supposedly en-route via XXXX Mail XXXX 
Aside from my initial question in attached email chain as to the mysterious multiple '' debit enquiry '' XXXX XXXX reportings that XXXX offered as cause for account opening denial, and apart from the still standing question of Chex Systems ' complicity in that, what is apparent now is a secretive company that implements catch XXXX circles of evasiveness and deception to avoid accountability and communication with consumers. 
c. 
XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my XXXX. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my XXXX. I have filed a police report and have also opened up multiple disputes with XXXX  that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to XXXX  also. My family of XXXX  will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX