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

Called about 5 consecutive times to get my money refunded for a plane ticket I purchased on XX/XX/2021 ( {$1000.00} ) for my mother to go to XXXX XXXX. ( Chase Travel reservation- Itinerary Number XXXX ) However, my mothers older sisters daughter got tested positive for XXXX which made all her family members to also be quarantined. My mom had to cancel her flight through me ( who purchased for her through Chase Sapphire ) and I made a call before the flight to cancel and get a full refund back. In order to get the full refund ( without the cancellation fee ) Chase told me to provided a required documentation for the airline which included my family members positive test result. I provided this information via email and havent received anything back. 

After waiting a few weeks and following up in the email, following up with a call twice, I called once again and wanted to get transferred to a supervisor from Chase. She told me she would get this handled within 72 hours and if I dont receive anything back by then, I would have to call again and provided me a direct number to call ( which was NOT a direct number to a supervisor, it was just a chase sapphire number Ive been calling the last 3 times ). I waited, got another email saying that Id need to provide the same exact documents that I have already sent. Sent over within a few hours, and waited MORE THAN 72 hours, didnt get any response back ONCE AGAIN. They have all the calls recorded, all the proof of our calls, they have them. 

I called Chase for the last time before writing this complaint. I told them, I dont want to explain myself again, and to go look for my case number and see why Im calling. They told me I have not sent the email and wanted me to send a proof that I sent the email. So I made a screenshot and sent the email back, asking them, what am I exactly waiting for and why is it SO important that I would have to send a proof that I sent an email back!? I waited more than 2 entire months for a refund on a plane ticket. I sent again the documents and the proof that I sent the email, and asked what exactly they are waiting for and why it takes 2 months for a refund to be processed and the supervisor said, I would have to call the airline to find out because they are waiting for the airline to approve the documents. 

After 5 calls, they are now saying I have to call the XXXX to find out. They told me theyll handle everything themselves and make sure I have the full refund back within time, but havent handled one single thing. 

Please report Chase Travel Center for not handling a client who has been waiting for a flight ticket cancellation refund to be processed for 2 months.
Product: Credit card or prepaid card

Customer care persons are refusing to provide me a separate itemized billing statements for the pay over time balances and fees interest charges which they are denying my rights to that information as which those charges was applied to my regular monthly charges. I ask on several occasions to review a separate itemized pay overtime and pay overtime direct balances fees and interest charges they refuse to provide me this information, because the numbers are not adding up. On today to my amazement I did get a return call from a supervisor stated her name was XXXX she also refused to provide me with the above information and refused to entertain another inquiry which only 2 dispute was done and she stated the reason why another inquiry wont be done is because 3 been disputed, which is not true only 2 was disputed and before I could respond the disputed inquiry was closed  out both times. Therefore I was not given a chance to be heard. XXXX still refusing to take my inquiry and dispute, she stated to me didnt XXXX tell you we was not going to do another inquiry? And she is teaming with XXXX the same information that she stated to me, No inquiry!! The minimum payment is due today which most of that bill payment is pay over time fees and interest charges all which Im disputing. Also she stated that they only report late payment to the credit bureau if a person is 60 days late, that is not true because they reported me 30 days late back in XX/XX/2020 to the credit bureau and I was not 30 days late at all, even though they corrected the error but did not change it with the credit bureau causing my credit score to dropped 21 points, and they refusing to change and correct the error with the credit bureau. CFPB please report this to the compliance/ complaint department to XXXX XXXX XXXX Vice Chairman. Email address is XXXX, I was given this information from the secretary at XXXX Head Quarter office the telephone number is XXXX
Product: Debt collection

I sent out a debt verification letter to verify that this was my actual debt on XX/XX/2018, a second attempt on XX/XX/2018 and a third attempt on XX/XX/2018. I have gotten no response back from the company. I would like to pay off this debt if they can verify that it is in fact my debt.
Product: Checking or savings account

Today i went to deposit the cheques returned by following companies to me directly by post ( rather than sending it back to bank ) a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX - cheque number - XXXX - dated XXXX XXXX c ) XXXX XXXX XXXX {$50.00} Wellsfargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied deposit service saying there is a stop payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person - denied deposit service saying it has already been deposited and they put a " credited to the account of within named payee '' stamp in endorsement area of the cheque ). 

I asked for a proof that the check has been deposited, they were unable to provide it. I asked for a statement saying cheque was not deposited, they were not ready to provide that either. 

They accepted XXXX cheque. 

Their denial of deposit of 2 cheques, sent by me to the companies mentioned below is illegal as that is my money. Companies sent it back to me, rather than sending it to the bank a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX  - cheque number - XXXX - dated XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear XXXX XXXX TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit card

On XX/XX/XXXX XXXX hires the XXXX XXXXXXXX XXXX  to do an expedited job on my bathroom due to a leak. During the initial DeposiXXXX transaction for the full job the merchant return the payment and sent me the receipt of return. ( i provided the text messages exchanged to Chase ) The owner and contractor of XXXX XXXX had to pay the employee doing that job same day and the card gave a longer holding period. The owner returned the payment and sent me the receipts moments from making the payment ( less than XXXX minutes ). He required another payment method. Instead of using another credit card due to the hold period issues. I opted to XXXX him the paymentsXXXX has a {$1000.00} limit so the remaining {$50.00} was left to pay the remaining one the job was done ( i had hires them before so I trusted them and they trusted me ). Despite payment was return the same day it was not credited to my card. I waited the XXXX bus days in the email sent from XXXX and payment was still not return. I submitted the dispute with Chase and they will not credit back the money. Stated they can not prove since the merchant do not match the XXXX payments. ( Despite provided the text message evidence of these being the requested payment option from the vendor ) I had the case reopen twice. They state the reason is the reason of the denial but Chase does not offer the option or Return Payment. I can not state services were not provided because the repair was done. I have provided the merchants contact info since they did not even attempt to contact him. Nor they are accepting the email that states he return the payment. If I enter another reason that those not apply they will also reject the dispute again plus System reopens the case an I can not elect another reason. I had escalated the Manager and I can tell they are not reading the case.
Product: Checking or savings account

My name is XXXX XXXX I closed my bank account last month in XXXX I think it was a fraud account I reported and today I got a bank statement in the mail for - {$18.00} money I owned an account Money -the account number is XXXX Joint with XXXX XXXX I want y'all to waive the - {$18.00} or give me an account credit for the amount, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

They said they contacted the mortgage company and gave them only the relevant information my complaint. and the company said they would update as necessary. I have not seen anything in writing with my name on it between myself and this company. no inquirers nothing. all I asked them to do is show me something in writing.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX, I received a letter from Professional Credit Services attempting to collect a debit in the amount of {$230.00} listed for collection by XXXX XXXX XXXX XXXX XXXX. I did not incur this debt. 

I immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on XX/XX/XXXX. 

In the meantime, I sent an email to XXXX XXXX - XXXX XXXX XXXX. I wanted to know how an account was established in my name when I never applied for it. 

XXXX XXXX XXXX at XXXX XXXX - XXXX responded to my email. She said someone drove into a transfer station on XX/XX/XXXX, dumped a load of solid waste, but could n't pay the fee. The transfer station had to open an account to collect the fee at a later date. 

The transfer station used a vehicle registration to open the account, but I no longer owned that vehicle. I sold it on XX/XX/XXXX. I informed XXXX that I had submitted a properly filed Report of Sale to the Washington State Department of Licensing on XX/XX/XXXX, and that I can not be held responsible for a debt incurred on XX/XX/XXXX. XXXX XXXX informed me that Professional Credit Services have to substantiate that. 

On XX/XX/XXXX, I mailed another letter to Professional Credit Services via Certified Mail. The letter included a detailed explanation of how the debt came to be put in my name. I also provided adequate proof that it was not my debt. I included a copy of the Report of Sale as evidence that I did not own the vehicle when the debt was incurred. I also provided a copy of the Bill of Sale bearing my signature and the signature of the new owner. 

I have a Return Receipt showing Professional Credit Services received my letter on XX/XX/XXXX, but on XX/XX/XXXX, I received another letter attempting to collect the debt. 

The collection notice included debt verification in the form of a receipt bearing a signature of the person who incurred the debt. The last name is not legible, but the first name looks like " XXXX. '' It 's not my signature and it 's not the signature of the buyer, XXXX XXXX, as it appears on the Bill of Sale. 

The debt verification also included a computer screen print showing the account information on file with XXXX XXXX XXXX XXXX. The driver 's license field is blank. XXXX XXXX admits that the transfer station did not obtain any identification from the driver. The account information shows a phone number, but the number has never been assigned to me.
Product: Credit card

Capital one is showing that I have or had a Capital one card. I have never had a Capital one account or card. When I contacted Capital one they had no record of my SS # or account #. I really need this taken off my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Atten : Consumer Support Services XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, I have recently received that Midland was zeroing account in their office that was falsely reported to consumer report. Since 2019 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they have started they had proof I owed anything to Midland. I have requested Midland 's contract with XXXX XXXX XXXX  as I know that company purchased that debt that " been written off and was attempted to collect it from me ilegifimately. I have never done business withMidland Funding, For them to park this inaccuracy and lie about investigation and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX agencies for roles in allowing you to furnish this information without my written consent and against my continued efforts to remove account. Now that it is removed, that it has removed, Midland pay me what is owed according to law. I have actual damages there are {$1000.00} violations at the time it was reported. Each month is separate violation, and I am giving the company one opportunity to cure th situation, or we shallallow a federal judge to look at all these deceptive forms that have mailed over the past year in support of your wrongdoing. It all stem from the false misrepresentation of all stems from the false misrepresentation of midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer r, I am willing to settle for XXXX and not have to pay attorney fees, or we my consumer lawyer to the situation under the FCRA you will pay him amount of Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed comments left by Midland on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this or further legal action will be initiated.
Product: Credit card

Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. 
I tried twice on or before XXXX/XXXX/16 I called Bank Of America, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Bank Of America claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called BOA and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. 
Something is fishy Bank of America has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.
Product: Debt collection

I have been disputing this account for some time now with RECEIVABLES PERFORMANCE. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. 
XXXX XXXX thats a fax i sent by email they recieved for my info they had requested for identification on XX/XX/2019 @ XXXX mailed by XXXX also sent fax from fax file XX/XX/2019 they recieved that fax @ XXXX to fax server XXXX 6 pages were recieved in both of those fax were the federal trade report and that report number is XXXX my bank statement from XXXX XXXX XXXX XXXX with my proof of address federal trade commision letter FCRA 605B { 15 U.S.C. 1681c-2 social secuirty card DL and the cover letter statement of having my addres updated as well as what was in the rest of the fax Are there any other witnesses or victims to this incident? 
I am the victim of them commenting federal credit report acts yes there are plenty of witnesses and i have plenty of audio recordings of them doing this and knowingly lieing to me If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
i have reported this to FBI FTC CFPB Ive contacted the attorney generals office and my states attorney generals office and have left messages and waiting to hear back ive contacted the white house comment line and also am looking for a lawyer ive contacted the XXXX police department and the city of XXXX AR which is who had me contact the XXXX police Thank you for submitting your complaint to the Federal Trade Commission. Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : 10 Ways to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number : XXXX to help us quickly retrieve your information