23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against Chase Bank regarding their handling of an unauthorized charge on my account, which I first reported on XX/XX/2024. This complaint stems from their failure to effectively address and resolve the issue, leading to confusion, misinformation, and a lack of proper communication on their part. 

The sequence of events is as follows : Initial Report of Unauthorized Charge : During a business trip, I provided my credit card to a hotel to cover a potential charge of {$1000.00} for incidental expenses. I did not incur any such expenses during my stay. Upon my return, I discovered an unauthorized charge of {$1300.00} on my card. I immediately contacted Chase to dispute this charge. 
Follow-Up and Advice from Chase : After reporting the issue, I followed up a week later for an update. At this point, I was advised to cancel my current card, request a new one, and then report the incident to Chase 's fraud department. I complied with these instructions and requested that the details of our conversation be documented, expressing my concern over what appeared to be an internal passing of responsibility. 
Temporary Resolution : In XX/XX/2024, Chase notified me via letter that the charge had been reversed. However, upon checking my account recently, I discovered that the charge had been reinstated without any explanation. 
Lack of Communication and Misinformation : Despite Chase 's claim of having completed their investigation, I have received minimal information regarding the basis of their decision not to classify the incident as fraud. Their communication has been inadequate, with no calls received ( contrary to their claims ) and misleading letters sent. The most recent communication from the Fraud Investigations Unit, through an individual named XXXX, indicated that the previously reversed charge was, in fact, added back to my account under the guise of having " received a benefit, '' a statement both confusing and incorrect. 
Chase 's handling of this matter has been deeply troubling. Their refusal to provide detailed contact information for their representatives, coupled with a lack of accountability and clear communication, has only compounded the frustration and inconvenience caused by the initial unauthorized charge. The discrepancy between their actions and their verbal and written assurances has eroded my trust in their processes. 

I request a thorough review of this matter, including a clear explanation of Chase 's investigation process and criteria for determining fraud. Additionally, I seek an immediate and permanent reversal of the unauthorized charge, along with an apology for the mishandling of my case and the undue stress it has caused. 

Thank you for your attention to this matter. I am willing to provide any further information required to assist in the resolution of this complaint. 

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

XXXX XXXX Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals. 

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).
Product: Credit reporting

XXXX agreed with me and deleted the XXXX I think it was out of the XXXX that I disputed off my report but XXXX and Experian will not. Please help. They are from XX/XX/XXXX/XX/XX/XXXX and are over 10 years old
Product: Checking or savings account

I had someone gain access to my online account by way of stealing my phone which I reported, they also have my identification information and social security number. They tried to forward mail to intercept debit cards, and been unauthorized usage of these accounts. I'm in mediation with XXXX  XXXX but don't understand why it's taking so long when they agreed XXXX ago I went through identity theft, fraud and account was having unauthorized usage.
Product: Debt collection

in XXXX  i was in and out of XXXX XXXX XXXX XXXX treatment. while away my ex-girlfriend and her new boyfriend stole all of my credit cards and maxed them out. they also stole the RV i bought and was living in. i have had no contact with them since i went to treatment. i tried disputing the charges with the banks and collections companies but have been denied each time. all my info was in the RV they stole and my Ex girlfriend was the one to set up my credit card accounts. so she knew all the security information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, XXXX, AND TRANSUNION to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The east west bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX telephone number XXXX refused to cash a bank written by East West Bank for a XXXX XXXX XXXX account in care of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The bank representative claims that there are no funds inside of the XXXXXXXX XXXX XXXX  account, and I believe that he is denying or refusing to cash the check based on my XXXX and nationality. The check was written out of a bank that is primarily from the XXXX community and I believe because I have for an extended period of time dealt with XXXX issues with the XXXX community constantly denying me services at simple places like laundromats and public places like public gyms where I pay fees to enter therefore I believe that at this bank the same practice is being done with regards to the check that was presented to them today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  XXXX  ( Original Creditor : XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$120.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

Virtuoso Sourcing Group in XXXX XXXX attempting to collect non-existent debt from XXXX XXXX for fees not agreed to after not even using the gas service since I have no functioning gas appliances.
Product: Debt collection

this was owed to another company and unifund ccr ppartnerr said the bought the loan its been since XXXX I tried to make a payment but what I was able to pay they refused to accept now they have doubled the amount and twice the interest rate because unifund was after my house that I lost in XXXX do to illness I have XXXX had XXXX I need help in this matter
Product: Checking or savings account

cash app would not allow me to withdraw or send my money to another person nor to another account, I could not recieve money that was sent to me
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX - XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$6000.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX & XXXX - XXXX {$810.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXXXXXX {$6500.00} XXXX - XXXX {$5600.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of a collection company reporting incorrect information about me and causing harm to my consumer report. XXXX XXXX XXXX is reporting a collection that I owe a debt in the amount of {$1300.00} to their institution. I, XXXX XXXX XXXX does not have any obligation and or contract with the SECURITY CREDIT SERVICES. The company forwarded a communication addressed to XXXX XXXX XXXX BUT REFERRED TO A XXXX XXXX. I DO NOT KNOW A XXXX XXXX. 

IN accordance with 15 USC 1692g ( b ) I am requesting the validation and verification of this alleged debt, in which you shall cease collection of. 

Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a ) Be taken as tacit agreement to the claims set forth ; b ) Grant the consumer all demand remedies ; or c ) May result in litigation Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED DEBT and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ). that you cease all further communication through ALL and ANY MEDIUM except for communication of remedy as the original creditor is demanding the following : 1. XXXX out the balance of this account 2. Provide my name, a consumer and natural person, with the documentation showing the account was XXXX  out vial certified mail 3. Cease and Desist reporting of the alleged debt collection activity to all consumer reporting agencies before and after this date ; XX/XX/2022. 
4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under XXXX XXXX XXXX XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States XXXX Law ( XXXX XXXX XXXX Code XXXX ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And charge off accounts that is tag or labeled FDCPA Section XXXX Violation Misleading False Reporting should be deleted and collection account Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not grant permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I signed up for a MoneyGram account on XXXX the XXXX and used it to send {$300.00} to the XXXX  account of my partner. 

I used XXXX XXXX XXXX to log into the account and XXXX XXXX  with XXXX XXXX  to withdraw money from one of my credit cards. I was informed the amount would arrive in two days and then later that it would deposit in two hours.

The next morning I tried to log in to my money gram account to track the deposit to find out that I was blocked out of my account : I had three customer service interactions with them asking to be verified or have access to tracking my transaction : I was informed that they could not verify my financial identity inspite of them debiting {$300.00} from my account and they did no due dilligence to check my identity through passport photos. There was no recourse and all customer service interactions told me there was no turning back the decision has been made even though they are currently in the possession of {$300.00} of my money and have not returned control of it, reversed the charges or deposited the amount and have removed all ability of mine to track the transaction. I consider this theft and fraud. And terrible customer service and policy. 
I found all of the customer service to be unhelpful and full of fake platitudes like We are sorry you are experiencing this but making no effort to reveal the Details of the Account block or any recourse other than an invitation to use their physical locations. Terrible. I am angry that an institution can take my money and then block me from managing or seeing the transaction.
Product: Checking or savings account

I opened an Apple Savings account ( Goldman Sachs, GS ) in XXXX of this year ( XXXX ). I funded it with money from various other savings and checking accounts ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I own due to the better interest rate and advertised ease of use offered by GS. 
I am now trying to access some of those funds by transferring them to my checking account ( XXXX ) but I am being told I can not move those funds. I am told I can only move funds back to were they came from originally, for XXXX  days post initial deposit. I no longer use the original savings account ( XXXX ) I used to move most of the funds to GS. Moreover that XXXX account is not " linked '' to my GS savings account so I can not initiate a transfer. 
This GS savings account was promoted as transparent and easy to use. I planned on using this savings account as an emergency fund, easily accessible and with funds available to me within a reasonable amount of time ( XXXX business days ). I spoke with customer support today ( XX/XX/XXXX ) who told me that I would have to wait XXXX more weeks to access my funds without other recourse. Asked to speak to a XXXX but I would have to wait another XXXX business days, without resolution in sight. 
My funds are being held hostage by GS. 
Moreover I placed the order for transfer on XX/XX/XXXX and lost out on XXXX  days of interest while by money was still being held by GS. This ought to be fraudulent and extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey My name is XXXX XXXX, and ive just started checking my credit online and ive seen numerous things under my name that I had no idea about.
Product: Mortgage

We were in the covid forbearance program. when we went to reinstate the loan we were trying to get our payment down and refinance the loan at a lower interest rate. We were successful in that we got our payment lowered by XXXX dollars and the interest rate dropped to XXXX. The papers were sent to us and we had them notarized and mailed back to the company, This was the end of XXXX of this year. We started making payments and then received a call that the maturity date was wrong on the notarized copies. So they were going to send out a new set of papers. Well they sent us the very same papers with the same maturity date. We immediately called and notified them. Their response was to say that there would be a third set of papers mailed out. It is now XXXX and we have yet to receive them. They were called repeatedly every month several times. Their answer was it was going to underwriting or it was being checked into. We have spoken to many many employees a XXXX XXXX, XXXX XXXX, always the same thing. We actually just called them last Friday, everything was ok except that now the program we were originally signed up for was no longer available, so they wanted to raise out interest rate and make us pay thousands out of pocket for the loan to be current. That is financially not an option for us. So Monday We get a call that they are foreclosing, and the guy wants to come out to take pictures. We are not the only XXXX that this is happening to. We want answers and they are criminal in the way they have treated us. We have tried to get this resolved. One person told us on numerous occasions not to make payments till the contract was sent out, now we are being punished for doing what was told. We were not shirking our obligation we have been trying to resolve it for months. This Company is Criminal. They are not working on helping us they are trying to take advantage. There are many like us out there. Please put a stop to their shoddy practice.
Product: Debt collection

Sequium Gave out information without getting my consent this would be the second time they have Gave out my information to someone other than me. I have not spoken with Sequium for the bill that was sent out to them by XXXX XXXX XXXX. A woman called as stated by rep.