davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i HAVE A WALMART CREDIT CARD WHICH IS NOW BACK UP BY CAPITAL ONE. WALMAT ACQUIRED CAPITAL ONE. IT ; S SAD THAT I CALL CAPITAL ONE FOR VERY BASIC QUESTIONS. WHEN WILL A NEW CARD BE SENT THIS HAD BEEN GOING ON SINCE XX/XX/2019 AND STILL GOING ON. I HAVE FILED A COMPLAINT WITH WALMART. I CAN NOT SHOP IF I DO NOT HAVE A CARD! I CALLED AND SPOKE TO MANY PEOPLE. I SPOKE WITH A SUPERVISOR WHO WAS HORRIBLE. I ASKED ALL THE RIGHT QUESTIONS. I HAVE MY MAIL FORWARDED TO GO OT A P0 BOX SINCE XX/XX/2019. EVEN PRIOR TO CAPITAL ONE ACQUIRING THIS ACCOUNT. HOW HARD IS IT TO GET A CARD AND TO GO THROUGH SUCH POWER ABUSE BY THIS PERSON I SPOKE TO. I NEVER RECEIVED AN EMAIL THAT A CARD WILL BE SENT. SINCE XX/XX/XXXX THE CARD WAS RETURNED. THIS CUSTOMER SERVICE AGENT WOULD NOT MAIL ME A NEW ONE UNITL SHE REPORTED THE CARD AS STOLEN!!!!! THE CARD WAS RETURNED TO CAPITAL ONE. THE ANSWER IS THEY DO NOT FORWARD MAIL WHICH IS STATED ON THE ENVELOPE THAT THE AGENT DID NOT KNOW. I CAN NOT PLACE AN ORDER ON LINE DUE TO MY CARD NO LONGER WORKING! ITS NOT BECAUSE I OWE MONEY OR BAD CREDIT THIS IS THE SHEER INCOMPETENCE OF CAPITAL ONE AND THE SUPERVISOR WHO DID NOT SEND ME A NEW CARD OR HAVE THE KNOWLEDGE OR TRAINING TO ANSWER BASIC QUESTIONS! SHE SHOULD BE FIRED! HORRIBLE, IF SHE COULD NOT ANSWER THE QUESTIONS I ASKED TO GET ME HER SUPERVISOR. SHE WOULD NOT DO THAT AND STATED THERE IS NO ONE ABOVE HER! SURE! TO GO THROUGH ALL OF THIS. I WANT THE CARD MAILED DIRECTLY TO THE PO BOX I PROVIDED AND ALSO THE PO BOX SHOULD NOT BE REPORTED TO THE CREDIT BUREAU. IT IS A TEMPORARY PO BOX AT THE POST OFFICE DUE TO MY BUILDING BEING UNDER CONSTRUCTION AND FORWARDED, I WANT THAT REMOVED OF THE CREDIT BUREAU. XXXX XXXX XXXX. I AM FILINF AN OCC COMPLAINT. THIS IS BASIC ADMINISTRATIVE ISSUES THAT COULD BE RESOLVED. THAT PERSON WAS SUCH AN IDIOT TO REPORT A CARD STOLEN WHEN IT WAS RETURNED DUE TO NOT FORWARDING! I AM SO UPSET THAT I HAVE TO GO TO THESE LENGTHS. I FILED A CFPB AND A OCC COMPLAINT DUE TO THE SUPERVISOR NOT GETTING ME SOMEONE ELSE TO HELP ME! ALL OF THIS TIME AND AGGRAVATION FOR WHAT!!!!!! 

NOTE : I ALSO HAVE A CAPITAL ONE 360 ACCOUNT WHICH I WAS GIVEN WRONG INFORMATION FROM A REP AT STORE ON XXXX XXXX XXXX IN XXXX XXXX, FL. YOU CAN NOT DO A TRANSFER INTO ANOTHER PERON 'S ACCOUNT ( ach ) ONLY MY OWN. YOU HAVE TO USE A THIRD PARTY LIKE XXXX DEPENDING ON THE BANK. I NEVER RECEIVED A DEBIT CARD! ITS BEEN 3 MONTHS!!!!!!!!!!!! STILL NOT DEBIT CARD!!!!!!!!!!!!! A JOKE TO SAY THE LEAST!!!!! THIS IS WHY I DO NOT USE THE BANK ACCOUNT BECAUSE OF THE HORRIBLE PEOPLE THAT DO NOT KNOW THERE RIGHT FROM LEFT AT CAPITAL ONE! IT CLEARLY SPEAKS FOR ITSELF. SUCH NON SENSE.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Now comes XXXX XXXX, pursuant to the underlying case as to the Consumer Financial Protection Bureau v. Credit Acceptance Corporation, Case No. XXXX XXXX, XXXX. The CFPB, XXXX XXXX, has brought action against CAC for obscuring the true cost of its loans to its car buying customers and cutting back room deals with its affiliate car dealerships to increase their profits. XXXX XXXX asserts that he was and currently is a recipient of these unlawful acts committed by CAC and files this complaint while adding the XXXX XXXX XXXX. As CFPB 's suit asserts regarding CAC 's New York customers, XXXX XXXX is asserting the same happening to him in Maryland with three retail installment loans, two priors and one current. The first one was a XXXX XXXX XXXX sold by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ; APR 22.99 %, Finance charge {$5100.00}, Amount financed {$8800.00}, Total of payments, {$14000.00}, Total sales price $ XXXX {$15000.00}, Payments {$400.00} @ XXXX payments beginning XX/XX/XXXX. Second contract, XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX ; APR 22.99 %, Finance charge, {$12000.00}, Amount financed {$15000.00}, Total of payments {$27000.00}, Total sales price $ XXXX {$29000.00}, Payments {$420.00} @ XXXX payments beginning XX/XX/XXXX. And currently, XXXX XXXX XXXX sold by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : a XXXX search says this company is temporarily closed ; moreover APR 22.99 %, Finance charge {$10000.00}, Amount financed {$14000.00}, Total payments {$25000.00}, Total sales price # XXXX {$27000.00}, Payments {$410.00} @ XXXX, XX/XX/XXXX, XXXX all three contracts had XXXX XXXX XXXX  connected who did not honor their part of the contract. For example when XXXX XXXX 's current car needed his motor replaced which was totally covered by them, but they made him pay {$3000.00} and they paid the rest. This was money he did not have but had to borrow. However the results of these actions is nothing but fraud of contract which made and is making XXXX XXXX pay exorbitant cost for vehicle ( s ) beyond the dealership price and value. Moreover, CAC is making additional undisclosed money between the finance and credit sections beyond XXXX XXXX affordability thereby increasing their profits. This action violates Maryland 's usury laws. And again CAC is still doing it as XXXX XXXX continues to pay them a weekly {$120.00} toward his {$410.00} monthly payment. As a result of CAC 's fraud and deceit and other illegalities, XXXX XXXX seeks monetary relief of XXXX XXXX dollars for disgorgement of unjust gains they made and is making from all three of his Installment contracts. Additionally, he seeks to only pay the dealership cost of his current vehicle of {$10.00} and put the {$3000.00} deposit toward it which results in a balance of {$7000.00} owed and decrease his payments accordingly. Respectfully Submitted.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 XXXX XXXX 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.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion refused my dispute letter and said it appeared to be someone else when I sent it by certified mail. These accounts must be deleted immediately, and my attached letter needs to be processed according to the FCRA. I have also cc 'd my lawyer handling this on the attached letter.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/XXXX I called Golden 1 to let them know not to let XXXX XXXX XXXX rental manager XXXX XXXX, into my account, I informed XXXX of the fraudent activity I authorized my rent an amount Im on XXXX XXXX XXXXXXXX XXXX calculated affordable income a rent amount that is not to be changed only by XXXX XXXX, On XX/XX/XXXX I informed this apt manager XXXX XXXX she must of made a mistake i showed her the transactions she was taking was over my rent calculated by XXXX, this manager was aware she didnt stop, she kept taking the wrong rent amounts, XXXX credit union adjusted the wrong rent amounts taken, on XX/XX/XXXX then on XX/XX/XXXX I was informed by mail XXXX credit union stated the statue of limitations has passed and they can not cover the fraudent over charging of rent amounts after consideration, XXXX then took all the charges back, a Rep from XXXX informed me that they called XXXX  apt manager XXXX XXXX XXXX informed her of the overcharges, XXXX got back to me stated apt manager told the rep from XXXX to read the lease, the lease only states rules of the apartments nothing about overcharging of rent by XXXX its against the law. Only XXXX can change the rent amounts. XXXX took XXXX XXXX word for it only so XXXX dose n't have to cover the overcharges of course. I have moved from these slum apts on XX/XX/XXXX I informed XXXX I moved to change my address, I thought they did come to find out from informed delivery I could see image of my XXXX credit card was sent to my old adderess someone found it activated it charged {$550.00} the only one who could do this is the apt manageXXXX XXXX XXXX with all my personal information actiivated the credit card XXXX XXXX informed XXXX about my credit card sent to the old address XXXX stated to me " it must of been a Glitz in the computer as to why XXXX sent to old address I informed XXXX Police XXXX XXXX sending CFPB the police report.please send back all documetns I have court soon this is my proof. apt manager kept my deposit in bad faith also.stressed out.thank you.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$3000.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX ( Original Creditor : XXXX AT T ) XXXX XXXX  : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1400.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX  : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  : {$420.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$0.00} 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
Consumer complaint received 2019-12-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Repeated calls by CREDIT ACCEPTANCE CORP. 5+ daily even when given times and dates that are unacceptable to call durring Cold call, provide no verification they are CREDIT ACCEPTANCE CORP when asking for personally identifiable information. 

when asking for verification of debt, I'm asked if I would like my number removed from their system instead of complying with request. 

Trick/Ask without prompting or guidance if the consumer would like their number removed from their system to initiate a legal process which typically starts once a consumer asks to not be contacted. 

will cold call, lie about payment dates and arrangements made then hang up once given dates and times of said agreements. 

Does not record all phone calls, Blocks recordings from being accessed by employees to verify agreements made or cancelled. 

Deletes/wont acknowledge phone calls with given dates to verifiy agreements. Says they dont exist and then hang up. 

Calls roughly every 40 minutes from different numbers all marked by XXXX XXXX as high risk / spam calls.
Consumer complaint received 2021-12-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

This is a credit card / 2nd mortgage the previous server XXXX. The Superior Court XXXX XXXX XXXX XXXX Dismissed the case. This loan was apart of the global wide settlement with the Department of Justices. 
Its Ben 12 years since any activity on this debt. I dispute this debt. The loan was allegedly placed in a trust which as taken its losses. XXXX attempted to foreclose and the foreclosure was stopped about 9 years ago. 
I received a new Notice of Default from the new Server Specialized Loan Servicing and I am disputing this debt again. This was a XXXX and with definitely was apart of U.S.Global wide settlement.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION / XXXX  # XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX XXXX XXXX I call Experian credit Breau to file a complaint about one of my credit cards that was reporting as paid closed from XX/XX/XXXX until XX/XX/XXXX. After the first call Experian changed the months to pay on time, account closed. This is wrong because the account is open. After calling them on three different times they are only putting my current balance on my credit report and closed. I was told that if it was current and open that the points for paying on time would be updated on my credit report. Each time they close the investigation it is still reporting closed. After the first update to my credit report with a balance my housing credit score dropped XXXX points. I am seeking to have the points from XX/XX/XXXX through XX/XX/XXXX correctly added to my credit score. Also correct the points that was taken from me by reporting inaccurate information. My XXXX, XXXX credit reports are correct. I believe that they are just going to keep the wrong decision without actually investigating with the credit card company.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (RI)

XXXX XXXX denied us access to a cruise we had booked to commence from XXXX XXXX in XX/XX/XXXX. Following our arrival at the port in XXXX XXXX We were advised that we were late and access to the cruise ship at all its ports of call would be denied. As a result no service was provided to us by XXXX XXXX. To date no response has been received from XXXX XXXX detailing their reasons for denying access. Chase Cardmember services has been handling our defense but with such a long passage of time having lapsed since our original dispute filing, we are reaching out to you for help resolving the dispute. 
Attached are the following documents 1. Letter to Chase dated XX/XX/XXXX detailing my frustration with the still unresolved matter 2. Letter to XXXX XXXX XX/XX/XXXX detailing the full account of our dispute 3. XXXX XXXX letter handed to us at our arrival at the port of XXXX XXXX XXXX backup documentation such as tickets, photos, receipts etc can be provided should that be necessary.