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

RE : Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX Claim ID XXXX This matter concerns a matter with Chase Credit Card services and a disputed charge which Chase will not investigate fully. I am getting form letters from Chase with denials but no explanation. I would like to speak to someone with the authority to investigate fully so they can truly resolve the matter. 

This is regarding a charge on XX/XX/XXXX listed as XXXX  for {$1100.00}. On XX/XX/XXXX, my company paid XXXX {$1100.00} using my Chase Credit card and sent to payment processor XXXX On my statement, I did not recognize the vendor ( Appears as XXXX on his statement, different than the vendor name ). I could not contact XXXX I cancelled the payment via Chase. In the meantime, I paid the vendor separately and have documentation. 

Chase determined the charge to be valid and reversed the dispute. Due to problems with their secure messaging system and fax machines, they made denials without looking at my full documentation. I finally sent my documentation via US mail in XX/XX/XXXX. I asked for a full review and for someone to contact me. Regardless, Chase is denying my appeal without a full review of my documentation. 

I have clearly paid this vendor separately. Chase has not paid my vendor separately. They are holding on to {$1100.00} and keeping it for themselves. 

They are using their internal problems with secure messaging and fax machines to justify a denial based on the length of time the that has passed. 

I sent Chase copies of the checks sent and letters from my vendor saying he has been paid separately. 

It is very clear to me that Chase is in possession of the funds. Wave has returned all the money. 

I attached copies of the check I sent to the vendor as well as a letter from my vendor stating that he has been paid.
Product: Debt collection

I have cleared/paid off a collection account with XXXX XXXX I, XXXX ( a debt collection agency ) for a credit card account originally with Citibank. This payment became official on XX/XX/2021. 

I have been told by XXXX XXXX XXXX XXXXXXXX that this collection account is eligible to be removed from my credit reports with XXXX XXXX and XXXX. I would like that done immediately since the debt has been paid.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp Block , INC due to inadequate customer and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cash app fail to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.Furthermore their dispute and resolution and process was unfair and deceptive as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E.These actions have caused significant and financial lost and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and see 2 late payment on the account that I was never late for the consumer report agency Have assumed vital role and have a responsibly To report information to the best of they ability with maximum accuracy I have never been late on payments for the account that I have included in the screenshot inside of this complaint and on dates of XXXX XXXX Please investigate and provide proof with statement that these late payments were late If proof can not be provided I demand that these Payment be updated to paid as agreed on time As they should be due to the fact I was never late. Account number XXXX
Product: Credit reporting or other personal consumer reports

i am a XXXX XXXX XXXX XXXX i have sent these complaints to the bureaus and they have not responded
Product: Credit card or prepaid card

I have a loan with SELF FINANCIAL INC / LEA I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$140.00}
Product: Debt collection

In review of my XXXX credit report, I noticed a collection account from a company by the name of LVNV Funding/Resurgent. I never received any written communication from this coming stating that they were attempting to collect a debt. 

I wrote to this company via Certified Mail requesting " validation '' of this collection. I received the certified green card in the mail which indicated that someone in their organization was in receipt of my dispute. 

On or about XX/XX/2022, I had not received any responses from this company and sent the another letter via certified mail to provide me information on this collection reporting on my credit reports. As of today, XX/XX/2022 I have not received any communication from this company and their collection is continuing to be reported to my credit file with XXXX and XXXX.
Product: Student loan

I attended XXXX XXXX in XX/XX/XXXX and was given a loan and reassured that I will have a job and be able to pay back my loans. That 's has n't happened. <P/>I went to XXXX XXXX on line XX/XX/XXXX-XX/XX/XXXX. My program was discontinued because the school was " closing '' I was told I would n't be held responsible for my loans because the school was closing and I did n't finish my program. Well all of that was a lie. School is still open. I should not have to pay for something that I did n't complete or get.
Product: Credit reporting or other personal consumer reports

In my consumer report Account Number XXXX XXXX XXXX of Account Name Lincoln Technical Institut is reporting inaccurate information. Account was previously disputed during multiple periods which are in 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all disputes returned as resolved by data furnisher. The inaccurate information reported is Date Opened which reports a date of XX/XX/XXXX. I have electronic records from Direct Loans Statement disclosure XXXX XXXX XXXX Federal Direct Loan Program indicating that this date is not correct and that the correct date is XX/XX/XXXX. Also to add to this complaint this account is reporting multiple late payments which are unlawful under 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( i ). This inaccurate information was obtained from XXXX. XXXX as well as Lincoln Technical Institut has failed to validate information during multiple investigations. For their willful negligence I seek relief from the CFPB.
Product: Credit card

On XX/XX/year>, I ordered a XXXX XXXX credit card with Synchrony Bank and placed an order with the store. Due to issues and inappropriate conduct from XXXX XXXX, I cancelled the order prior to delivery. XXXX XXXX confirmed that the order was fully cancelled. 
Nevertheless, XXXX XXXX charged me a delivery fee of {$240.00} on XX/XX/year> after the order was cancelled. XXXX XXXX advised me that they didn't charge me anything. I received an emailed bill from Synchrony. 
On XX/XX/year>, I contacted Synchrony about the charge. At that time, the charge still appeared on my credit card. I disputed the charge and also closed my account. 
On XX/XX/year>, Synchrony mailed me a letter stating " I am pleased to let you know that a credit in the amount of {$240.00} was applied to your account on XX/XX/year> in response to your inquiry submitted on XX/XX/year>. If applicable, interest charges, fees, and delinquencies related to this adjustment have also been removed. These adjustments may have appeared on a prior statement ; if not, will appear on your next statement. '' At that time, I considered the matter closed with XXXX balance. 
On XX/XX/year>, I received an email that I had missed a payment and owed money. The balance was {$280.00}. I contact Synchrony Customer Service via phone who advised me that the dispute was resolved in my favor and they are not sure why I still have a balance due. After several attempts, they transferred me to another department who also confirmed it was in my favor. They then advised me that it would take 1 to 2 billing periods to credit even though it has been 60 days since the matter was closed and their letter to me indicated all fees, interest charges, and credits were already issued.

At that time, I asked for resolution. The representative advised me that she had to open a ticket and I would receive confirmation of resolution in 24 to 48 hours. Although I questioned this, I acquiesced as this was the only option. It has now been over 48 hours and as expected, there is no resolution. Now I have been charged a late fee and a billing statement fee after Synchrony advised me in writing the matter was resolved and all credits issued. This is also likely reporting to my credit reporting agencies. 

XXXX XXXX and Synchrony have proven to be unethical businesses.
Product: Consumer Loan

This payment should be applied to the outstanding 'fee ' of {$99.00}. Understand this fee is fraudulently applied to my account, as the overpayment from XXXX XXXX satisfied all outstanding 'fees ' accessed to my account. XXXX XXXX ; following an overpayment, the agent advised the next month payment XXXX XXXX XXXX XXXX of {$190.00}. My records reflect no late payments, and no short payments calendar year XXXX ; despite this, Westlake accounting is has accessed to my account these fees, in part to the phone agent erroneously allocating overpayment to the principle ; rather than credit as requested. I have debated this since XXXX XXXX, and repeatedly requested management review the call that began this fallacy. Westlake refusal to accurately investigate and correct their mistake is absurd. 
This is my formal grievance. The process is flawed, accounting is flawed and sincerely do not appreciate being placed on hold 63 minutes by the supervisor ; waiting to speak to XXXX XXXX. Further being told by the supervisor " It is what it is '', completely unprofessional and inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; EDUCATIONAL Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX
Product: Checking or savings account

Name XXXX XXXX My Joint account with my daughter was deducted XXXX {$20.00} deductions from XXXX XXXX I am requesting for back office to actually review my bank statements. It appears that my TD app is completely different from the online TD bank. I've submitted a complaint to XXXX XXXX  since I am definitely not interested in paying anyone to view their account. I am requesting to be fully reimbursed asap.
Product: Mortgage

Ditech was collecting escrow from me without paying the state. At the end of the year, I was sent a check with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which Ditech mistakenly did not pay ). I accumulated interest charges due to Ditech 's complete failure in setting up my mortgage. While I was in the middle of fixing the problem, Ditech sold me to XXXX who I am STILL trying to fix the issue with.
Product: Debt collection

My Walmart credit card was closed. It was with XXXX XXXX. It was transferred to Capital One. They REOPENED it and designated it as delinquent, and reported it to the Credit Bureau, ruining my credit rating. They call repeatedly every day over and over and over to collect 'past due ' payments on a CLOSED ACCOUNT that they reopened. I have tried to make arrangements, but they ignore me. They continue to call after I asked them to stop. They continue to add fees on a CLOSED ACCOUNT that THEY REOPENED. I find their collection and business practices SKETCHY AS XXXX. 

If they continue to call, I will take legal action. I will sue them for a larger amount than I owe on this CLOSED ACCOUNT THAT THEY REOPENED.
Product: Credit reporting

On XX/XX/XXXX Barclay Card US : Incorrectly placed someone else 's bankruptcy on my Barclay credit card account, then ; Closed my account, then ; Removed my reward points for my account, then ; Notified all XXXX credit agencies that my account was in collections, then ; Did not inform me of any of the above. 
This caused my perfect credit score and report to drop to its lowest level in my life. 
Barclay refuses to send me documentation that they have corrected these egregious errors with all XXXX credit agencies. Barclay refuses to reimburse me for the cost of credit reports and FICO scores so that I can track the resolution of their error. 
Since opening the Barclay credit card on XX/XX/XXXX, I had paid every bill in full and on time, and continue to do so.
Product: Debt collection

I check my credit score on XXXX and see a debt from convergent which I have no idea what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes to verify incorrect information. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every month and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit card or prepaid card

I am XXXX years old and had many visas. Upgrade Visa is by far the worst I have ever dealt with. About 3 months ago There were discrepancies in billing @ {$230.00} was not deducted from my Visa after 45min.wait for customer service, and a letter They did reimburse me finally. Now I have a credit from XXXX XXXX Rental. Not showing where it was credited. Also, on the attached copies you will notice something called update Exported Disbursement???? Customer service did not know what this is and nether do the amount of credit was {$490.00} shows as a post payment but does not show that it was a credit from XXXX highlighted in yellow. Customer service insisted that I did receive my credit ( sorry I have 0 Confidence in ability. My question am I just a victim of circumstance or are they dishonest with many others. What needs to be done here a full-blown investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and XXXX
Product: Checking or savings account

I own a small business. We have Wells Fargo a business checking account. We opened a merchant account and received our first payments from a client on XX/XX/23. Since then, the payments have been on hold. We received an email from XXXX on XX/XX/23 requesting information. I replied. We called several times, but no one had been assigned. After much back and forth on XX/XX/23, we finally got a phone appointment with employee XXXX XXXX for XX/XX/23. She did not call at the scheduled time. Over an hour later, a man called to say she would not call, but that we needed to send invoices. I sent them again even though they had previously been sent. I scheduled another phone appointment with XXXX XXXX for XX/XX/23 at XXXX XXXX. At XXXX XXXX, the appointment was cancelled by Wells Fargo without explanation. I just called again. No one can help me. Risk doesn't take calls. They have no phone number. Supervisor XXXX is going to send another email, that will go nowhere. I can not have an appointment. We are a small business with thin margins. This hold is detrimental to our business. I started to cry and XXXX said that my being upset was only hurting me. The implication being that she does not intend to help me. I was in no way disrespectful to her. I am just supposed to tolerate this because she said we are not the only business going through this? WHERE IS OUR MONEY? I insist on someone explaining this to me at once as it's been a full week with no explanation or contact. Wells Fargo has been in the news frequently lately for allowing money to " disappear ''. Is that the situtation here? Why is there no one to help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report documents enclosed shows open with a balance and should show as closed included in XXXX  XXXX bankruptcy and the balance paid in full. Also on XXXX my account should show closed, not derogatory, as all my other account show that were included in XXXX  XXXX case ... Case : XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XX/XX/2022. XXXX in remarks shows XXXX  XXXX but doesn't show closed.
Product: Checking or savings account

I logged into my XXXX XXXX XXXX account and was looking at my charges and say a charge of {$44.00} to my account. The charge said " MONEYLION LOAN REPAYMENT ''. I do not have an account with them and when I contacted them they told me to send over my information so they can check it out. I did this and three days later they sent me another email saying they never heard back from me so they are closing my ticket. I called their customer service number and they said they would check it out and call me back. It has been three weeks almost and they have not contacted me. I have not taken out a loan with anybody. I think someone took out a loan in my name. I have student loans but they are through something else and they are paused anyway so I know it's not that. Please help me get this sorted out. I am trying to keep my credit score good and I don't want to pay for something I didn't sign up for. Thank you.
Product: Credit card or prepaid card

My spouse XXXX XXXX who is an additional card member booked the hotel- XXXX XXXX with her AMEX card. The hotel reservation was from XX/XX/XXXX to XX/XX/XXXX. When she reached the hotel she noticed that the hotel room was very dirty and not like how it was in the photos. The photos listed in the website and the actual photo of the hotel room was very different. 

I had opened a dispute with Amex earlier and the dispute reference number is - XXXX Transaction in question - XXXXXXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card Member : XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than XXXX years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud theft, and the following accounts are not authorized by me or done by me and i am requesting to be removed and as well have all my supportive documents to provide *******ACCOUNTS******* XXXX-Open date XXXX {$7300.00} XXXX-Open date XXXX {$21000.00} XXXX XXXX XXXX {$18000.00} *****INQUIRES******* 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: Credit reporting or other personal consumer reports

To Whom this may concern, Dear Sir or Madam : I am writing to dispute This fraudulent charge on my account by -XXXX XXXX XXXX in the amount of {$2300.00} OPENED ( XX/XX/year> ) I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Enclosed are copies of My ID, POLICE REPORT, FTC REPORT, AND FCRA 605B supporting my position. Please investigate this matter and correct the billing error as soon as possible.