23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Sir/Madam, I am compelled to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing dispute with JPMorgan Chase Bank , N.A . ( " Chase '' ), which has been marked by inaction and a lack of resolution. This concerns two credit card charges totaling XXXX ( XXXX each ) from XXXX XXXX XXXX, a merchant that has failed to render contracted services. The charges were posted to my Chase credit card account ending in XXXX on XX/XX/2023. 

Case Summary : Initial Charges : Two separate charges of XXXX  each posted on XX/XX/2023, for services contracted with XXXX XXXX XXXX, which were never provided. 
Dispute Identification : The ongoing dispute, identified as XXXX, was reported to Chase on XX/XX/2023, following the publication of the merchant 's notice that they were ceasing operations. 
Chase 's Inaction : Despite numerous attempts to resolve this issue and providing ample evidence of the merchant 's failure, including their legal bankruptcy, Chase has neither updated nor closed the dispute since XXXX. This inaction is in direct contradiction to their stated resolution timeframe. 

Additional Context : Previous Correspondence with Chase : Copies of the WARN notice and the bankruptcy notice have been provided to Chase in my correspondence regarding other charges on different cards for the same merchant and services, yet there has been no acknowledgment or action from Chase. 
Contrasting Experience with XXXX XXXX : XXXX XXXX promptly refunded charges related to the same merchant on the day I filed the complaint, highlighting the unreasonable delay in Chase 's dispute process. 

Recent Developments : Merchant 's Bankruptcy : XXXX XXXX XXXX filed for bankruptcy under XXXX XXXX, as confirmed by the United States Bankruptcy Court of the XXXX XXXX of Texas, demonstrating the impossibility of the merchant delivering the services I paid for. 
Lack of Resolution from Chase : Despite providing all necessary documentation, including the merchant 's bankruptcy details, Chase has not resolved the dispute. The case has been pending for an excessive duration, significantly exceeding Chase 's advertised dispute resolution period of 35 days. 

Request for CFPB Intervention : Closure of Investigation in My Favor : I respectfully request the CFPB to direct Chase to close the ongoing dispute in my favor. The comprehensive evidence, including the merchant 's insolvency, clearly shows that the services for which I have been charged will never be rendered. An immediate and favorable resolution is imperative. 
Refund of Disputed Amount : I seek assistance in securing a refund of the total disputed amount of XXXX, as it is evident the charges are for undeliverable services. 

Enclosed are copies of all pertinent correspondence with Chase, the bankruptcy notification of XXXX XXXX XXXX, and supporting evidence detailing the dispute 's history and Chase 's lack of appropriate action. 

I appreciate the CFPB 's attention to this pressing matter and look forward to a resolution that respects consumer rights and adheres to fair practice. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting or other personal consumer reports

SEE ATTACHED CREDIT DISPUTES THAT WAS SENT TO THE CREDIT BUREAUS ON XXXX OCCASSIONS WITH " NO RESPONSE ''
Product: Credit reporting or other personal consumer reports

I noticed a new collection on my credit report, via my score going from XXXX to XXXX. 
XXXX XXXX/Payliance was the collection tradeline which intentionally poisioned my report. 

After research and numerous communicating with Payliance and XXXX bets, and explaining I did not bounch a payment and was either the victim of an account take over, and/or ID Therf, my complaints fell on deaf ears. 

The bank I use has refunded my money, however, Payliance/XXXX XXXX refuses to remove the tradeline. I was " told '' I had to file a police report. 

I took off a XXXX from work and filed a police report and even an ID XXXX affidavit. I sent both to NYRA BetsXXXX, and again explained I have not bounced a check/ACH from my check and to please research the bank, routing number, and account # of the alleged bounced payment and they would easily see it was not I that made and/or authorized said charges. 

I have jumped through incredible hoops by closing my bank account and reopening another. I filed disputes with my bank ( success ), the CRA " big XXXX '' and copied Payliance and XXXX bets on all communications. 

I even articulated the actual damages this was causing as I have to sign for my daughter 's studen loans and now my interest rate has gone up. 

I have even given them a reasonable deadline to have have their posion of my consumer reports, or I will litigate. 

That deadline passed and the posion remains on my credit report. I have already drafted my federal and state lawsuits, which will be filed this week and service should be easily perfected. 

I have the knowledge and ability to stand up for myself, and be Payliance/XXXX XXXX worse nightmare. However, I am in a very small minority. 

How can a company not provide a copy of the alleged check/ACH and the account number and bank the alleged debt " bounced. '' Answer- they play the odds. They are losing big time with me, soon, but I'm sure it will be a " cost of doing business ''. Your agency has the authority to make that cost of doing business sting badly. I'm restrained to statutory and actul damages. 

Over {$200.00} this is the hill they choose to die on? From a stand alone single consumer perspective, they just got their wish, but they need to be stopped and your agency has that authority and ability. 

Thank You!
Product: Debt collection

Zwicker & Associates ( XXXX ) has called me XXXX, telling me that I have outstanding XXXX XXXX credit card debt. This is NOT my debt. I shared basic info about myself ( address, last XXXX of social ) and they confirmed it is not my debt. But they continue to call. I am worried they will use my information to do more damage to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  financial-delete line paid in full, never late-as show delete line from the report Consumer Disputes This Account Information Charged Off Account Account Transferred Or Sold Fixed Rate
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Regarding Capital One Case # XXXX Spoke to an agent back about a month ago about disputing a charge from back in XX/XX/XXXX from yet another lawyer who scammed me. He put me on hold to see if he could open up a disputes process. He got back on the line and proceeded to tell me that we could proceed. Three weeks later I receive a letter requesting additional information, no later than XX/XX/XXXX ... I sent them all the information and documentation they needed, more than a week before before the deadline ... I then received a letter back from them dated XXXX, which means they responded as soon as I sent them everything, which means they didn't even take the time to review my responses and documentation. The letter stated, " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute '' ... Oh, but that's only half of it!! Then they proceeded to tell me, " We are unable to assist with your claim because we have a limited amount of time to reverse a charge on our customers ' accounts. Unfortunately, that timeframe has expired. " ... So, as you can see, Capital One has gotten so deep into lying to their customers, that now they've gotten to a point where they can't even get their stories straight. They completely contradicted themselves!! First they tell me that they're denying my dispute because my responses lack all of the requested information, but then in the very next sentence they say the reason they're denying it is because I didn't dispute the charge within their timeframe!!! Unreal!!! Do you not see what these people are doing?? They claim they're there to protect their customers, yet they don't want anything to do with forcing the merchant to pay back the customer after they wronged them in whatever way!! And even if they didn't contradict themselves by giving two different stories as to why they've denied my dispute, neither reason is sufficient. My responses to their questions can not possibly lack all of their requested information needed to validate my dispute, because I responded to just about every single question they asked sufficiently, along with documentation ... As far as their " limited amount of time to reverse a charge '' -- Number one, the agent I spoke to over the phone back in XXXX told me that they could open up the dispute ... Number two, Capital One sent me a letter three weeks later on XX/XX/XXXX requesting additional information. If it was too late to dispute, why would they be asking me for additional information? Why would they have not just said right then and there that they could not assist me with my claim due to the timeframe expiring?? Makes zero sense, doesn't it? And number three ... They allowed me to dispute charges from a different lawyer that were a year and eight months old. This one was only a year and one month old! So, yeah. Capital One is corrupt and needs to be punished!
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$22000.00}, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX  {$250.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00}, XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

I subtmited a dispute with my bank PNC for 3 transactions on XX/XX/XXXX, until now I didnt receive any letter or notification about the case, or if they need more information for this. 
The case numebrs are : XXXX XXXX XXXX I called today XXXX to the bank asking about this, and they told me that they sent the letters on XXXX, but I never get it. So they will close the case because I never answered the letters.
Product: Checking or savings account

XX/XX/XXXX If you are a JPMorgan Chase customer be aware!!!!!! I was a victim of a non-authorized wire transfer within my JP Morgan Chase banking account. JPMC bank is refusing to help me get my {$9200.00} that was fraudulently stolen from my account because they say there is nothing they can do, that the $ was NOT stolen from them-JPM Chase but from me personally. I have spent numerous hours, time & effort dealing with the Chase Claims department, Chase Fraud, Chase Wire Fraud, Chase Customer Claims Specialists, Chase Wire Fraud Recall Department, Chief Fraud Department, JPMorgan Chase branch Complaint Escalation Group, etc. Each department transfers me - more like passes me off to the other/next department and NOTHING HAPPENDS!!!! They are treating me like I am the criminal and not the VICTIM. I have had the only $ that I had, STOLEN from me within my banking system that I have had for years by someone who was able to clone several of the banks XXXX # XXXX and present themselves as a JPMorgan Chase Bank employee of the Fraud department and my bank-JPMorgan Chase, wont help me. I went to the Bank on XX/XX/XXXX because you cant just walk into your bank anymore, you have to make an apppointment and none were available on XXXX, they closed the account, and talked to several people, and the banker told a co-work that it happened again, more Chase XXXX XXXX XXXX are getting cloned, they are getting better., meaning these criminals and that JPM Chase banks are aware of this. I was also informed that we were the XXXX account in the past 2 months to be compromised, victimized, financially XXXX. I DID NOT give this criminal my information, he somehow obtained it. I DID NOT authirize a wire transfer transaction and my bank allowed this to happen. 
Ive filed a police report on XX/XX/XXXX and still waiting for a detective to take my case. DO NOT become a victim like me and GET OUT of JPMorgan Chase as fast as you can!!!!! I WILL get my {$9200.00} back even if it means I have to live on the streets. I am so tired of these huge companies worth BILLIONS & BILLIONSs of $ getting away with these actions!!!!!
Product: Debt collection

In XXXX til XXXX I had XXXX  wifi and cable. XXXX I got new service For free because my phone was in school. Then I receive a over XXXX XXXX bill from XXXX  for the wifi and cable box. I call to let them know that I send the boxes off and email where I had send them off at XXXX. My balance became back to {$0.00} XXXX. In XXXX I had a collection on my credit report for att. I called The creditor I. C system For the original bill. The bill had XXXX different amounts The XXXX XXXX and something which someone scratched it out and put XXXX. It's not saying how I owe XXXX. I do not owe XXXX XXXX.
Product: Debt collection

I received a notice to collect a debt from UNIFIN for XXXX forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from 2008 so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX  & XXXX. I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.
Product: Credit card

There is a large amount in dispute on my card ( {$1600.00} ). The company did not receive my documentation to support the dispute and closed it prematurely. I called back numerous times and they sent me a link to upload supporting documents, which was not done at first. They told me they would reopen the dispute and during that time the amount would not be on my account and would not accrue interest. I uploaded my documents. However, the company never reviewed them and left the charge there. I called back XXXX more times and each agent told me they would remove the charge while it is in dispute and it would not accrue interest while the investigation was going on. However they never actually reopened the investigation. I kept calling back and each time it takes half an hour at least to go through their menu loops. When I called yet again on XXXX the person told me that my documentation wasn't sufficient because it did not contain photos, even though it did, which tells me they did not review the photos. That person then transferred me to someone else who then said something completely different, that I didn't submit any documentation and they never reopened the investigation and used only documentation submitted by the merchant. They can't keep their story straight. Then they transferred me to another person who said they can not open a dispute because the time frame has passed, even though I submitted all the documentation back in XXXX and XXXX and they either say that they don't have it at all or it's not what they need, even though they list the items they need and that's exactly what I uploaded. I will not pay for fraudulent charges and I will not pay for interest on these charges that is not supposed to be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Equifax continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Equifax have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and TILA laws and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

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

Capital one XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXXXXXX XXXX : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed XXXX XXXX  XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPB ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform., leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Was given a line of credit but it wasnt my credit that was used for the loan. I asked for a personal loan and was given a consumer loan under another company name using my social security number. I called them twice and was told that they were going to fix it never got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXXDate OpenedXXXX Balance : $ XXXXLate/Closed Late Date XX/XX/21